WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Whom it XXXX concern, This is a formal letter to dispute and ask for removal of this account off all of my Credit Report. The Account is listed as XXXX COLLECTION BUREAU OF XXXX. It 's a medical debt claiming I owe {$460.00} but they refused to provided documentation to me. I filed a complaint against them back in XXXX of XXXX they failed to respond to my complaint. I 'm tired of them reporting false information. I want this account removed off all my credit reports right away. 

Respectfully, XXXX XXXX XXXX
We have lived in and made our house payment for 20 years. 10 years ago we filed bankruptcy but kept our home. Since then we have gotten ourselves back on track and rebuilding our credit. We set up automatic draft so our payment would never be late or overlooked. The mortgage company we had was awesome throughout the process. Last year, our mortgage was sold to Specialized Loan Servicing LLC. As we had before, we called to set up automatic draft. We were told because we had bankruptcy their company did not allow us to participate in automatic draft. It doesnt hardly seem fair that just because we fell on hard times in the past we should be punished 10 years later! Meanwhile, we mail payments which they now want to say are late and one time even returned our check cut completely and perfectly in half with a note stating they received it damaged when clearly they had sliced it in opening the envelope. I just want to know how they can prohibit people who have filed bankruptcy from being set up on automatic draft. Seems like discrimination to me and I dont appreciate it one bit!!
- I opened a Citi checking and saving account in response to a promotion.

- I learned that the accounts were not right for me ( poor service, long call center hold times, high fees, and non-competitive interest rates ).

- On XX/XX/18, my account balance was {$0.00}. I spoke to an agent at XXXX central time ( extension ID XXXX ) and requested my accounts be closed.

- The agent would not provide any form of a confirmation number.

- I received a letter dated XX/XX/18 from Citi indicating I am in collections for an account that should have been closed on XX/XX/18.

- After receiving the letter, I contacted Citi again requesting my account be closed and the agent said they would take care of it.

- Today ( XX/XX/XXXX ) I have started receiving collections calls.

When speaking with to the collections department and customer service, they were unable to offer any resolution.
XXXX XXXX XXXX listed multiple 30/60/90/120/150 day late payment on my credit report from XX/XX/2015 to XX/XX/2015. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
In XXXX XXXX, I was contacted along with my friends regarding being taken to court for a debt from ACE Cash Express. They refused to give me any information regarding proof except to continue to threaten me and the individuals they claimed were listed on as references. Even when I made arrangement to pay {$150.00} and gave them my bank account # out of fear they would file with XXXX courts, they continued to call and harass me and my friends. I spoke to a young lady by the name of XXXX XXXX who was very helpful in explaining that they would adjust the date to ensure funds were available when they withdraw. The payment schedules were in line with my pay dates. However for the month of XXXX the payment schedule was changed to be the week after my pay date which is a conflict with other bills. I contacted the agency on several dates this week to ask why the payment had not been withdrawn. After XXXX XXXX. I was provide the contact number of XXXX and XXXX answered. When I requested proof of the debt, She stated it would not be provided until after the debt was settled. she said I had a balanced of {$1200.00} left to settle the debt. When I asked to change the date back to this week she said it would not be changed. She then said I had the option to not continue to work with the company and the matter be forwarded to the courts. I told her I was not trying to be difficult but I have paid over {$1800.00} to this company already without any proof due to scare tactics and do n't want it be that they had no legal authority to collect this debt when I finish making payments
I saw on my credit report a derogatory mark for a place called Bull City Financial. They then told me i owe money for a bill at an address i never lived in. I then told the debt collectors to remove the debt from my credit because it is not mine. i sent them the proper information to prove that it was not mine. I had the person who was responsible for the bill ( my father, we have the same name ) tell them it was his bill, they still said i am responsible for it. Now upon telling them numerous of times i have sent the the proper paper work to prove it is not mine they still keep telling me it will remain on my credit report until it is paid. If it was my bill i wont have any problem paying for it, but unfortunately for them it is not mine. My credit is getting lower and lower because of this situation.
I am a cardholder with AMEX. I recently had a plantinum card, but was receiving marketing and promotional items on their new Gold Card. I was enticed to switch because I use my card for work. The majority of my purchases are for entertainment and travel. The new gold card   provides better rewards and benefits for what I use my card for on a daily basis. I contacted AMEX before switching to make sure everything was good and was confirmed with the rep that everything would be taken care of. I had initiated the change on XXXX. On XX/XX/16, I received an email saying they were removing XXXX points or {$600.00} from my rewards account for downgrading/misuse of the rewards program. No one ever made me aware that this could happen or I would have stayed with the card I had. Moreover, I reached out 3 times over the follow three weeks to inquire or get this fixed. They said there was nothing they could do. I asked if they could at least honor the promotional offering for the new card and they said no. I was told they took the points because I didnt stay with the platinum card for a year. Its been 9 months. They also said I couldnt get the $ XXXX/XXXX point offer after spending {$2000.00} because I downgraded. I filed a corporate complaint weeks ago and have not heard back and continue to get the run around with employees. Theyre treating me like a thief when all I did was switch to a card they were advertising and marketing to me. Worst part about it is that they continue to send me mail reminding me about the new promotion for the gold card and every time I call in they say sorry, everyone gets that mail, but we cant give you the promotion. I need help since they wont do anything nor put me in touch with the right people. This all could have been prevented if they warned me this might happen before making the switch over to their new credit Card that they were marketing to me! Please help!
I received notice from XXXX ( the originating lender of my student loan ) that my loans were being sold. However, I 'm now paying two companies : XXXX and XXXX. XXXX claims that they own my loan, but when I ask XXXX for documentation, they only provide me with information about the original bill and claim that they are only " servicing '' the loan, which appears to contradict what both XXXX and XXXX have told me.
I graduated from law school at the XXXX in XXXX, after finishing XXXX at the XXXX in XXXX. During my time at both of these schools, I had to take out private student loans in order to cover my cost of living, books, food, etc. Now, I am facing upwards of $ XXXX in private student loans. I have another $ XXXX or so in federal loans as well, but these are not the problem. My experience with the private loan companies has been XXXX. They are very rigid on your options for forbearance and deferment. They allow of short term and long term hardship options, but they are always in tandem with super strict requirements that you are unlikely to meet. I pay roughly {$1200.00} a month in student loans currently. My hardest payments being to the private loan servicers. I simply can not afford to keep making these payments and the companies will not work with me in any way to get the monthly payment more manageable. I also have a cosigner, but she 's my mom and honestly can not afford to be making these payments either. I 've been considering bankruptcy as an option, but I do n't want to force my parents into bankruptcy. I 've also been considering just defaulting on the loans with the hope that maybe they will be more willing to negotiate once I stop making payments or we are in court. I really do n't know what to do, but I feel stuck and suffocated by this debt.
I found XXXX tax liens on my credit report filed XXXX stating that I owe XXXX for the year 2010 based solely on the fact that I had a XXXX XXXX license. According to the XXXX the average licensees paid {$3900.00} in state income tax, so they figured I owe them {$3900.00} in back taxes. I moved out of XXXX in XX/XX/XXXX, so I was n't a resident of XXXX in the tax year XX/XX/XXXX. I did n't have any XXXX transactions XX/XX/XXXX. The department XXXX indicates XX/XX/XXXX that my license is issued in non-working status and may not perform licensed activities. The XXXX filed XXXX tax liens in XXXX XXXX and XXXX XXXX that should n't be there in the XXXX place. I will attch copy of my passport ( I left XXXX in XX/XX/XXXX and moved to XXXX XXXX I have not been a XXXX resident since XX/XX/XXXX ) and IRS transcript showing that I had no income XXXX XX/XX/XXXX. Also a copy of my XXXX license showing my license status. I started looking for a job since I moved XXXX, with this false credit report/public record, it makes it really hard if not impossible for me to find a decent job. I do n't know what I should do at this point. Any advice would be greatly appreciated. Thank you.
I disputed XXXX XXXX for the amount of {$320.00} & {$520.00} on my credit report as I paid the original creditor XXXX XXXX XXXX XXXX and it should have never went to collections. I contacted original creditor XXXX XXXX XXXX XXXX who had reported it to check cashing agency XXXX. Once I contacted XXXX, they agreed and had XXXX remove from my file and reinstate my check cashing privileges ( see Attached ). I contacted trans-union to have them remove from my credit report stating that I paid the original creditor and it should have never went to collection agency. Trans union sent letter stating that XXXX XXXX will not delete and says information is correct. I contacted XXXX XXXX and told them I had paid original creditor and this should be removed from my credit report. XXXX said that XXXX was the one that reported it and they were working on their behalf. I called XXXX and they sent me a letter stating it had been resolved and removed from my file. I sent letter to Trans-union and XXXX. ( see attached ) Trans-union just informed me that XXXX will not remove because it states now that trident bought it from another agency, XXXX that is not on my credit report and new to me. XXXX also sent me a letter stating that they bought this account from another agency. They are reporting false information and I have proof that the checks were paid and resolved according to XXXX. ( see attached ) I have no knowlege of another agency because the XXXX said they only report to XXXX. This trident agency is a scam because I paid these checks already and they are refusing to delete it off my file. It is not my fault if they bought an account that had already been paid for, I should not have to pay twice for there mistake!!!
portfolio is showin on my credit report with an account opened date of XXXX 2015 I have only opened XXXX account in XXXX 2015 and that was XXXX auto loan which was paid off in XXXX from an insurance company due to toal loss, ive disputed this portfolio many times and I keep getting same outcome that says they verified accuracies consumers still disagrees, well yea because I did not open a credit card in XXXX 2015
Bank of America is holding my work check which I 've deposited multiple times before. They wo n't make my funds available for 2 weeks. They 've caused me to go overdraft on bills that I need to pay.
On the month of XXXX my debit card was lost, the chase bank call me to confirm is several transaction going on on my account was made it from me, I educate them, that i did not did such of transaction that i did not have my card on my posession, they submit various claim on the account and the credit the amount of the claim to the account. I educate them that my card was atach to entities that i do montly payments and expesify wich entities so they accept the withdraw, they stated that wouldnt be a problem and they rejected all the claim because payment to mentions entities got into the account, i did have to call again so they can resolve issue and correct their mistake, they filed new claims and credit again the account, then they decide to cancel all my account and hold all my money and take away the money back from the account.
I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from XXXX  XXXX. It came back as verified by the court and reporting that the court is the furnisher of the information. After this investigation was completed, I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification/validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I further bring notice of the request for verification and or validation requested not only the verification and validation but also the process and or systems used, any furnishers, persons and or entities used in the collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
I have no recollection of this collection. NATIONAL CREDIT SYSTEMS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
why are these account reported twice on my credit report? I asked for an explanation to the credit bureaus but until now, I got no response from them.. Furthermore, the account was never paid late. I am faithfully paying my account with this creditor, no late payments. Fix this error please since Experian and XXXX couldn't help me XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
I obtained a new mortgage through XXXX XXXX for the purchase of a new home. We closed on the property located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, 2015. Our XXXX mortgage payment in the amount of {$1500.00} was due on XXXX XXXX, 2015. On XXXX XXXX, 2015, I logged into the XXXX XXXX website and made our XXXX payment for {$1500.00}. This transaction cleared my bank account via ACH transaction on XXXX XXXX, 2015. On XXXX XXXX, 2015, I received a letter in the mail dated XXXX XXXX, 2015 from XXXX stating that our mortgage had been sold to them from XXXX XXXX. After XXXX XXXX, 2015, I contacted XXXX to determine whether my payment had been received. I was advised at that time that it can take some time for that to happen, however, my credit report would not be negatively impacted as they allow a XXXX grace period for mortgage transfers. Since that conversation, I have received collection calls from XXXX XXXX during which I advised the payment was received on XXXX XXXX, 2015. Once I provided this information to the representative, they stated " oh yeah, now I see it ''. I 've talked to representatives in the loan department at XXXX that have assured me the payment would be sent to XXXX within a few days, then a few weeks and on Monday, XXXX XXXX, 2015, I was advised the payment would be there by XXXX XXXX, 2015. Well, today, XXXX XXXX, 2015, I received a call from an extremely rude collector for XXXX stating that not only has my payment not posted but they are going to report to the credit agencies that I am 30 days late. I was treated as though I was worthless XXXX and told that " if '' my payment does in fact arrive from Homestead, I could dispute the derrogatory information that was reported. This is completely unacceptable. I not only made my payment on time but paid it early and yet I am receiving harrassing phone calls. Also, oddly enough, I received notification from Homestead dated XXXX XXXX, 2015 that stated my mortgage was being transferred to XXXX effective XXXX XXXX, 2015. I thought I was supposed to be notified 30 days in advance if my mortgage was sold???? Clearly this did not happen. I have no confidence in either financial institution.
PNC Mortgage is demanding that I provide documentation of cash deposits ( which I can not since they were cash amounts I saved over years ) even tho I have an amount for the down payment from clearly documented sources.
We tried to pay off all my sons student loans when he graduated, we called got pay off info, sent checks, and then we started getting calls that there were loans not paid for. Over the next 5 years XXXXNavient kept us forbearing our loans while we " figured it out ''. In XXXX they finally told us the problem was interest capitalizing on all the loans in XXXX of 2011, why then when we called for pay off information at the end of XXXX, beginning of XXXX, and end of XXXX was this never reported.? They do n't have an answer, and they insist I am responsible for all charges that accrued. I do n't think that is fair since they made the mistake in the first place, and compounded the mistake by taking 5 years to be able to explain it. These are very shady dealings and I feel they are just trying to XXXX us over.
On XXXX/XXXX/2016 I was trying to shop around for a new apartment. I had my credit report pulled and I discovered that someone has been using my name for medical service and have utilies in my name. I filed a police report and started a investigation. I have the following items reported to the local authorities ( XXXX Police Dept. ) My Name and SS was used to open several accounts for business or services. There was a Medical bill from a XXXX XXXX # XXXX, XXXX XXXX I never received service in XXXX . There is a XXXX XXXX XXXX # XXXX for a XXXX account that I never opened. There was a XXXX XXXX XXXX XXXX # XXXX I have never done business with this company. XXXX XXXX system # XXXXThere was an account opened at XXXX XXXX XXXX not XXXX account. XXXX XXXX XXXX # # XXXX for a XXXX XXXX XXXX I have never lived at the address listed I do not know who is using my personal information at this time.
Ocwen Loan Servicing placed insurance on my house ( XX/XX/XXXX-XX/XX/XXXX ) while I had it insured and will not reimburse me even though I have provided them with proof of this again now and provided them with proof throughout the years as well. The amount they owe me is {$1900.00}.
Loan # XXXXIn reference to the above account and my refinancing under HARP. I started this process in XXXX 2015 by going to my local branch and calling and speaking to Chase agents on telephone..where I was ultimately told at all times that it was not possible to refinance my 30 year loan to a 15 year under HARP. I had to write a letter of complaint, before Chase would respond to my request. Their response was to send me several letters stating that they were " researching the issue '' .. ( I attached XXXX of those letters to this complaint ). It took Chase over 4 months to process my request for a refinancing and in the interim, interest rates rose substantially. As a result on the delay on the part of Chase, I am requesting that Chase offer me a lower " discounted '' interest rate than the 4 % rate currently allocated to my loan.
There were XXXX charges for {$590.00} from XXXX on my XXXX cc. I contacted the cc company and they told me they would take care of it. We canceled that Platinum card and I was issued a new Rewards card, but not a Platinum.The charges were reimbursed on my XXXX statement. I received a letter on XXXX XXXX saying the " were unable to accept my claim for the following reasons : 1-cust. benefited from use of card/participated in the purchases ; 2-Cust released acct info to third party and 3-cust. accepts responsibility for the charges. '' I called them that same day and asked for a re-investigation. A lady called me on XXXX XXXX and said they were not going to take care of the charges and the next day ( XXXX ) I recd my bill and there were the charges ( again ) {$590.00}. I DID NOT MAKE THESE CHARGES. I then contacted XXXX and because it was over XXXX days, they would not do anything about it. If I had KNOWN the cc company was going to deny my claim, I would have contacted XXXX. The cc company said " they would take care of it '' so I believed them and let them. Now I am stuck with {$590.00} in charges I did not make. Can you help?
Navient finances  my Signature Loan which h as interest rates at 10 % ; the interest rates are variable and the rate is set by the lender. I spoke with a Navient representative some time ago to see how I could get an interest rate reduction, and I was told to enroll in the automatic payment program for a slight reduction in the interest rates. I 've always monitored my interest rates and while they are variable, they have always been constant at 10 %. I enrolled in the automatic payment program for the reduction after enrolling in the program for the first time over the life of this loan, the interest rose just enough to put my rates back at 10 %. I calle d Navient to req uest its interests rates for this term and the last term and I have not received that yet. I 'm concerned that my interest rates increased to keep my rate at 10 % and Navient therefore lied to me about the incentives of its program.
I tried to withdraw {$700.00} from my bank account and the ATM only gave my {$540.00} but receipt still says that I took out {$700.00}.
On XX/XX/XXXX the first credit card account was opened and on XX/XX/XXXX the second credit card account was opened. I had 2 credit cards with XXXX XXXX XXXX XXXX and the XX/XX/XXXX account was closed with {$1800.00} owed and XX/XX/XXXX account was closed with {$1900.00} owed. The actions the company took was to close these accounts as charge off 's. I understand that I owed the amounts and during the time I was going through hard times and did not have any income to pay for these accounts. I did try to work with the company and they are indeed a great company, but I could not hold my end of the deal to make payments due to my situation. I am now trying to repair and build up my credit so I am able to have a chance to earn lines of credit in the future in society to help me establish and build my own business. It requires me to clean up my credit, so I am wanting to ask the company to remove my closed accounts from my credit report completely so I am able to move forward. Hope you will consider this as it will be very helpful in my endeavor. Thank you for your time.