WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX Hunter Warfield was sent another request for validation and all account info and notified that the debt is not owed. Tracking # XXXX XXXX XXXX XXXX - As of today no response has been received. 

Previous request for debt validation tracking # XXXX XXXX XXXX XXXX XXXX Many other requests in writing however documents not accessible at this time. 

Their claim of over {$12000.00} for XXXX XXXX is a fraudulent amount and impossible. I submitted the signed and approved by XXXX XXXX `` XXXX XXXX Notice of Intent to Vacate '' on XXXX/XXXX/XXXX for move out on XXXX/XXXX/XXXX. XXXX was paid in full and an overage for XXXX. Later an attorney acknowledged that there was only a partial balance for XXXX and XXXX of {$4300.00} however that is AFTER and the case was dismissed because they were attempting to evict me when I had already moved out and provided notice with management signature. 

XXXX XXXX continues to ignore requests for validation and report inaccurate information and a debt that is not owed. They have not responded to recent request for removal 30 days ago.
I had a mortgage with XXXX ( XXXX XXXX ) that was transferred to another lender XXXX XXXX XXXX ). XXXX is reporting I was XXXX days late on my credit report. I signed an agreement to start trail payments with XXXX XXXX and the payment was higher then what the actually mortgage is. I have never been late with XXXX as agreed. I also asked to have XXXX removed from my credit report because it has been 7 years since I defaulted on the loan.
It has been two years and equifax does not allow me to pull my credit report. They told me that it is in the Dept of consumer affairs indefinitely. It has ruined my life. I can not shop for a mortgage or car or anything. And it is very difficult. They allow a thirty minute window for someone to pull it and then that window is closed. 
Please tell them to release my file. Thank you
I have been asking my mortgage company GREENTREE LENDING for a loan modification several times and they deny me for no reason at all. They never give me the chance to fill out the application. They just say that they ca n't give me a modification. My payments are over XXXX a month. This is causing great stress. This is a XXXX account. I never wanted my mortgage with GREENTREE LENDING. However it was transferred right under my nose
The loan was in deferment, not delinquent, with XXXX XXXX. Loan was sold to XXXX/Dept of Ed Student Loan Services. Then to XXXX/Dept of Ed Student Loan Service. XXXX, of each year, a deferment was applied for and awarded.
I have XXXX small business accounts with XXXX. On XXXX of the accounts I utilize PayPal as my merchant service account. I have experienced inconsistent issuance of credit of deposits on my XXXX account. For example : I transferred money from PayPal on XX/XX/2016 and it was updated as completed on XX/XX/2016 at XXXX. Several hours later and at the time of this email, I 've yet to get credited for the deposit by XXXX. My first concern is that the deposit is being used by one or both of the institutions to skim money for themselves. My second concern, is that the money is intentionally held because I have pending auto transactions attached to the XXXX account. By with holding the deposit I will be assessed late fees for the insufficient balance when the auto transactions come due. The deposits are credited at different times and dates with no rhyme or reason. This leads me to think that XXXX is engaged in fraud. Along with the knowledge that XXXX has been assessed millions in fines for fraudulent banking practices recently by setting up bogus accounts and loans.
I previously submitted a complaint ( Case Number XXXX ) regarding American Express 's lack of cash back rewards on my account. Their response was that they would start accumulating cash back going forward ( i.e. from the end of XXXX 2016 ) and handle the missing months ( XXXX 2016 - XXXX 2016 ) separately. Unfortunately, not only have I not received any relief for the missing three months, the accumulation I was promised from XXXX 2016 forward has not happened.
There are XXXX issues that is so frustrating. I have a freeze on my credit report since 2008. However, I am receiving credit cards, and loan offers from companies. The second issue is with XXXX and Experian : Each time I want to lift the freeze from my credit report temporarily I have to send a letter, copy of my ID, bills, copy of my social security card etc., despite the fact I was issued a PIN NUMBER number and I was informed that I could remove the freeze temporarily online. Finally, it is most difficult to speak to a representative over the phone regarding such matters. It is not difficult to speak to a representative for services that the consumer reporting agency is selling such as credit tracking. 

Thank you.
I would like to know who owns a home equity loan. I keep getting correspondence from XXXX banks. This loan was originated by a different bank and has been sold numerous times. I want to know which company OWNS this loan not which company services the loan. When was this loan acquired and what is the balance.
I had a checking account from before I was XXXX XXXX XXXX until now with U.S. Bank. Normally US Bank has been very good with taking care of any issues that arose but this time they were not. I truly do n't think I have ever overdrafted my checking account before this past year ( maybe once ) but either way it happened for a total of XXXX. I did n't even realize it until I got a letter in the mail. I went straight to the bank to deposit some money the minute I saw the overdraft and I saw I already had multiple fees on it when the letter that was sent to me that took XXXX business days to receive didnt have any attached. Knowing that the bank has always taken care of me and my family I called them and they told me they had nothing they could do. Each time fees keep adding on each week I talk to multiple people via a website inquiry and it takes days and days to be responded. FInally the total reached XXXX and the account was closed and sent off. After I begged and begged to get this fixed a person finally responded to me again saying she was sorry but already sent off to internal collections which took 9 days to receive. I fully take the blame here for the $ XXXX that I overdrafted by accident but not giving me an adiquite amount of time to pay it is bad business practice.
I have XXXX student loans in TPD at NelNet under the 3yr monitoring period which XXXX began XX/XX/XXXX and other XXXX were XX/XX/XXXX so XX/XX/XXXX instead of discharging the XXXX XX/XX/XXXX I was notified that all XXXX were being reinstated so after a couple phone calls helmet put the loans back in monitoring discharging XXXX and leaving XXXX until XX/XX/XXXX. XX/XX/XXXX helmet reported my loans to the XXXX credit agencies but have made a huge error and refuse to fix their mistake. Basically my XXXX loans are reported to experience, XXXX as XXXX desperate loans and to XXXX as XXXX delegate loans with XXXX account # XXXX being being reports to all XXXX burueas 5 times with different amount that total {$14000.00} bringing my overall credit as being serious delinquency and dropping not only my rating but my wife 's as well from XXXX to XXXX. I have contacted helmet and have been told by them they have done no wrong but there is o excuses for this company to take XXXX loans and report them as XXXX loans then be informed of their error an ignore it. I have since filed disputes with all. XXXX credit burueas and will be going back and putting fraud reports with documention showing how wrong nelnet is and hope that I do not have to file bankruptcy because they refuse to properly do their job. Help make them do their job correctly nothing more nothing less. XXXX XXXX
On XX/XX/2018 I mailed 2 certified letters to XXXX XXXX XXXX XXXX XXXX to have them validate 2 different collection accounts that they are reporting on my credit bureau report. One is in the amount of {$2900.00}, and the other one is in the amount of {$2600.00} In my certified letters I included copies of the area on my credit report where it shows all the information for them to validate the debts. The response I received back from them was they were unable to locate and validate the debts. Because they are unable to locate and validate by law they are supposed to remove the debts from my credit report, and as of today they are both still reporting.
Following up on case # XXXX Bank of America has responded via mail date XXXX XXXX, 2016 enclosing multiple copies of the ( 1 ) promissory note and security agreement ( 2 ) Affidavit of lost note. 
( 3 ) Settlement statement and service notice. 

However, they failed to include : ( 1 ) Name of investor/ promissory note holder prior to BofA losing the note and after they lost the note. 
( 2 ) BofA states that they indeed filed a XXXX but did n't include a copy of the document as well as did n't indicate whether it filed for release or not. 
The XXXX system does n't reflect any XXXX ever filed by BofA
Sometime around XX/XX/XXXX I unfortunately took the advice of a loan broker and purchased an adjustable rate home mortgage. Sometime thereafter I took out an equity line of credit with XXXX XXXX XXXX in the amount of {$200000.00}. Unfortunately because my interest rate doubled, I lost my home. XXXX XXXX XXXX foreclosed on me XX/XX/XXXX. In addition, because I no longer owned the home,  State Farm Bank made a demand for the {$200000.00}. Since I had no property with equity at the time, I was unable to pay. State Farm Bank and I agreed to a payment of {$500.00} a month until I could recover financially. ( I did not want to file bankruptcy as I had other debt and an IRS bill because of the foreclosure. ) I paid the {$500.00} a month faithfully and in XX/XX/XXXX State Farm and I agreed to {$1000.00} a month payment ( our agreement is attached. ) I have paid XXXX XXXX dollars a month faithfully from the time we executed our increased loan repayment agreement. In reviewing my credit file recently I came to learn that State Farm Bank is reporting me with a serious mortgage late record. The State Farm Bank loan representative told me on two different occasions that because the loan was charged off in XX/XX/XXXX, they would continue to report me as mortgage late. This is in spite of the fact that I 've paid them faithfully every month since the loan was charged off. What I do n't understand is that State Farm Bank started to report me late in XX/XX/XXXX. Prior to XX/XX/XXXXall that was indicated on my credit file was a loan foreclosure and mortgage loan charge off. I have  attached a copy of my credit report and have indicated on page 3 where there is no mortgage late reported.
Because the loan was charged off seven years ago, and I have paid as agreed since our XX/XX/XXXX agreement, I am requesting that State Farm remove all the derogatory credit reporting they have filed on my credit report.
In the past 7 years I have been submitting the same paperwork in order to get a modification and an assumption. I have been thru XXXX employees and now im in foreclosure, however, I just got a notice that there are documents I need for the assumption,,, But I got served with foreclosure paperwork, I am a veteran and they have ignored my certificate of eligibility to make it a guaranteed va mortgage,, I do n't know what to do, but I plan to protest at their headquarters to get my message across
my client needs help getting the payoff on her 1st mortgage. the loan is delinquent and is part of a short sale and we can not get the lender to provide us payoff figures so we can get the sale closed
I disputed a medical bill with Transunion and I did not receive any information within 30 days. I was informed that if they did not contact me within the 30 days, then the debt should automatically be disputed. I then called Transition and they need told me that they did not send me any mail and that they then would. It has been past the initial 30 days and I feel as if they were never going to email me, until I called. The man also had me verify my identity several times, which I had no issues giving the information, and had trouble even finding my account or the initial dispute, until I provided him with the information. I feel as though I should not have to pay the bill that I had disputed because they never sent it to my insurance. I also should not have to pay more than {$500.00} out of pocket, which the bill is more than that. Overall, the initial dispute has been past the 30 day window where they should have reached back to me and should be disputed from my account.
I am attaching the investigation request that my husband and I sent in to the credit bureaus onXX/XX/XXXX They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.
IN REGARDS TO : NAVIENT, ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX I HAVE SENT A CERTIFIED LETTER BACK IN XX/XX/XXXX AND XX/XX/XXXX AND I HAVE NEVER RECEIVED A RESPONSE OF THE PROOF I ASKED FOR. THE AGENT THAT RECEIVED THE LETTERS HER NAME IS XXXX XXXX. THEY ARE REPORTING ME LATE WITH A MAXIMUM DELINQUENCY OF 120 DAYS FROM XX/XX/XXXX 90 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE, XX/XX/XXXX 120 DAYS LATE AND XX/XX/XXXX 120 DAYS LATE. I HAVE NEVER BEEN LATE ON Y STUDENT LOAN DUE TO THE FACT THAT I HAVE ALWAYS HAD THE ACCOUNT IN FOREBEARANCE OR ON A DEFERRED PAYMENT. IN MY DETAILED LETTERS I REQUESTED FOR NAVIENT WHO IS REPORTING ME LATE MULTIPLE TIMES TO THE CREDIT BUREAUS TO SHOW THEIR PROCEDURES PUT IN PLACE TO VERIFY THESE LATE LISTINGS FOR MY ACCOUNT? I ALSO AKED THAT THEY PROVIDE ME WITH A COPY OF THE ORIGINAL CONTRACT/APPLICATION WITH MY SIGNATURE? ALSO INCLUDED IN MY LETTER I REQUESTED THAT THEY SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE CREDIT BUREAS IS ACCURATE? IF YOU CAN NOT PROVIDE ME WITH THIS INFORMATION THEN YOU MUST REMOVE THESE INACCURATE LATE PAYMENT LISTINGS AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER!!! BUT IM ASKING FOR HARDCORE PROOF I WAS LATE AND BASED ON MY RESEARCH ON THE FTC WEBSITE, I KNOW THAT THEY HAVE STRICT POLICIES WHEN IT COMES TO YOU ( NAVIENT ) REPORTING CONSUMER DATA. I KNOW FOR A FACT THAT NAVIENT BEING THE FURNISHER REPORTING MUST BE 100 % ACCURATE. PLEASE SHOW ME PROOF THAT YOUR REPORTINGS IS 100 % ACCURATE? I WOULD LIKE TO SEE A COMPLETE BREAKDOWN SHOWING THAT MY RIGHTS ARE NOT BEING VIOLATED? ALSO ACORDING TO THE FAIR CREDIT REPORTING ACT ANY FURNISHER THAT WILLFULLY REPORTS INACCURATE INFORMATION WITHOUT TAKING THE NECESSARY STEPS TO FIX THE ISSUE COULD BE IN VIOLATION OF THE ACT WHICH CARRIES A FINE OF {$1000.00} PER VIOLATION. STOP REPORTING THIS WRONG INFORMATION TO ALL THREE CREDIT BUREAUS BECAUSE I AHVE NEVER BEEN LATE AT ANY POINT IN TIME I HAVE HAD STUDENT LOANS.
In XX/XX/XXXX I contacted my phone company, XXXX, to notify them that I had recently joined the military and would be sent overseas for my assignment. 

I requested my account with them be put on hold until I returned to the USA and the agent I spoke to agreed to put my account on hold for up to 24 months. I was told that if I needed to use my phone service again I would need to contact them to reactivate the account. 

In XX/XX/XXXX I returned to the USA on leave and I contacted XXXX to ask them to reactivate the line so I could use my SIM card while at home. The account was reactivated and I paid to cover one month of service. I informed the agent I spoke with that I would only be using it while in the States and was told that I needed to call back when I left the country to put the account back on suspense. 

On the XX/XX/XXXX or XX/XX/XXXX I called back to XXXX as I was returning to my duty station and requested the account be put back on suspense. After speaking with that agent she confirmed that the account would remain suspended until XX/XX/XXXX. 

Approximately 3 months later my mother notified me that I had received a bill from XXXX in the amount of {$380.00}. I called customer service to resolve the issue and was told that the account was never put back on suspense because XXXX had no record of me calling and they had continued to charge me because I was on a post-paid account. 

I assured them that I had called but since it was essentially my word against the companys records, the agent I spoke to ( XXXX - # XXXX ) checked the account usage and confirmed that there had been no activity on the account since the dates I provided. 

We got on a conference call with a Care Team manager and his best solution was to suggest that I pay the balance, and they would switch me to the military plan. I told him that I was not going to pay for services that I have not used and that the records clearly reflect that I havent used, and I needed to be pointed in the correct direction to resolve this issue. I needed the account cleared and put back on suspense. 

That was the extent of his assistance so we ended the call to him and XXXX sent me an email with his information and suggested I call back at a later date and try to get through to a different manager. 

I called back a few weeks later and spoke to a different agent ( XXXX - # XXXX ) and she went through all the notes from my convo with XXXX and said she would be submitting the account for review, and I should log in online and check the account on the XX/XX/XXXX. 

When I logged in on the XXXX the account was clear, all the balances were at XXXX, and it seemed like everything was resolved. Now as of a month ago ( XX/XX/XXXX ) Ive started getting collections notices from the offices of XXXX XXXX, Attorneys at Law trying to collect debt on the account that was supposed to be cleared, in the amount of {$380.00} and Im reaching  out to all available avenues for assistance contacting XXXX and getting this resolved once and for all.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. I have addresses that are not mine appearing on my report. Please remove the following addresses. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX, XXXX, OH XXXX
In XXXX, XXXX XXXX XXXX, XXXX, and XXXX issued a XXXX ( Cancellation of Debt ) for the credit card accounts I had with the banks. Therefore, per Debt Buyers ' XXXX v. XXXX ( XXXX XXXX ), the banks are prohibited from " pursuing debt collection and enforcement activities after such forms are issued ''. The issuance of the XXXX creates a XXXX balance with the banks for me. And, I had to pay taxes on those funds. But, the banks keep reporting to Equifax, XXXX, and XXXX ( credit agencies ) that they are actively pursuing payment for the accounts. Their reporting makes it look like I have open accounts with monthly payments due and account balances. And, I do n't. 

I filed complaints with Equifax, XXXX, and XXXX in XXXX of XXXX but the credit agencies sent back very vague replies that I did not understand ( and I am a college graduate with extensive work experience ). And, the inaccurate information is still on my credit reports. 

If the banks discharged the debt, then the accounts should not appear as " open '' on the credit reports and they should not indicate that I have monthly payments due, and account balances ( meaning, the banks are expecting to have the balances paid down ). 

Everyone knows that posting debt information on a credit report is an act of pursing debt. Since the banks are prohibited from pursuing the debt ( because of the XXXX and statute of limitations ), then they should not be reporting that they are doing so. 
Dispute Report Numbers : XXXX : XXXXXXXX : XXXXXXXXEquifax : XXXX
Bank of America offered me a cash back deal with the following description, " Offer expires  XXXX / XXXX / 2017 . Must make  two sep arate transactions with  XXXX   XXXX   XXXX  on wireless products or services of at least {$15.00} on the card associated with this offer by  XXXX / XXXX / 2017 . Your {$75.00} cash back is earned within 30 days after making your second transaction. " I made a {$20.00} transaction with  XXXX  on  XXXX , and {$32.00} transaction with  XXXX  on  XXXX  with my eligible credit card. I filed an inquiry with Bank of America on  XXXX  and they said I should see the cash back showing up as pending on my account within  5 to  7 days. As of today, I still do n't see it being tracked on my account as a pending cash back.
Gulf Coast  Collections sent me a collection notice the month I contacted  XXXX   XXXX   XXXX  Hospital,  XXXX   XXXX   XXXX ,  XXXX  Florida to pay my out standing ER visi t copays.     At the same time I purchased my current credit reports from  XXXX , as well as XXXX  and  XXXX . I found that  one  payment eliminating {$75.00} worth of copays had not been reported to the credit reporting companies. A hospital bill for {$960.00} was reported as unpaid while  XXXX   XXXX   XXXX  billing department said it was completely bogus and nothing existed in my account for that amount let alone that a {$960.00} bill was in arrears.  Gulf Coast Colections in sisted It was my bill. Plus they insisted instead of the original  XXXX   ER visit s once unpai d Gulf Coast ad ded  XXXX  more, making a total of  XXXX   ER cop ays unpaid. Originally  XXXX  were unpaid. As mentioned above I had just paid  XXXX . I made a payment of {$100.00} to  Gulf Coast Collections an d told the gentlemen I was going to contact the hospital 's billing department to verify what was truly unpaid. Now my outstanding bill I owe to  XXXX   XXXX   XXXX  should be {$120.00}.     My intent was to infor m Gulf Coast C ollections of the correct amount in arrears and ask them to correct my credit reports with all the Credit Bureaus.     I call ed Gulf Coast Col lections who previously refused to remove any of the erroneous debts. This time they told me  XXXX   XXXX  took their account back fr om Gulf Coast.I I asked Gulf Coast Co llections to remove their records from all  XXXX  credit bureau reports since they are no longer handling them.  Gulf Coast Collections refused to advise the bureaus of the errors. GULF COAST COLLECTIONS   REASON FOR NOT REPORYING HONESTLY : They said I had not paid the ( erroneous ) bills so, they were sorry but they would not remove them. I told them that since they , Gulf Coast Collections,  are no longer responsible for collecting those debts, to take them off my credit reports.They said NO! They refused to even correct the errors which existed prior to their having the account removed from their business.     WE HAVE A BROKEN SYSTEM OR CRIMINALS DESTROYING OTHERS CREDIT STANDING.   WHICH IS IT?   OR IS IT BOTH?     PS. Your form has a software but in it! Social Security field cross not recognize  XXXX  digit  XXXX  if entered correctly. You have to deselect checkbox for providing your double-digit SSN to continue.
This loan was originated from XXXX XXXX College in XX/XX/XXXX. The school was shut down by the Board of Education on XX/XX/XXXX. With no notice, heads up. Just Abruptly shut down. All other loans were discharged. Why not this one. 

Total : XXXX as of XX/XX/XXXX @ XXXX