WillisBack/dataset-financial-user-claim huggingface dataset:
Collection agency ( NCC Business Services ) is actively reporting on my credit report a false debt, on behalf of a realty company ( XXXX XXXX XXXX XXXX ) that was used by my former landlord. Even after several attempts to resolve this issue, including letter from realty signed with balance due was {$560.00} ( before my payments of {$730.00} ), proof of deposit paid, original rental agreement ; they insist that client is firm on debt of {$6600.00} which included repairs charges never done to the house for {$4300.00} ( the house was not damage at all ), security deposit of XXXX ( they said I did not paid ) XXXX is trying to collect on a debt without a judgment and the property is not managed by them on the present time. They are aware of this but they still reporting to the credit bureau actively damaging my credit. 
XXXX XXXX has XXXX reviews that shows that I am not the only victim of this company practice.
I have been with Mariner finance for many years. Have had many loans and the current one i have. I have had nothing but problems. I put my collateral up got the money. And made payment on time every month!. Then a deer ran out and i totalled the collateral. No problem i have insurance. Hey i even have gap insurance which i paid for.This happened on XX/XX/2018. XXXX got a pay off amount of around {$2600.00}. What was left of my loan. After all was said and done XXXX offered almost {$2500.00} for the car. Yeah me! Not. So i contacted Mariner and informed then the payment XXXX was offering about the value of the loan. Iasked if i could use my gap to cover the rest. I was informed that he would look into it and get back with me. No one called me back so a few days later i called again to check the status on the gap coverage. I was told i was not aloud to use my gap coverage because it was less then the {$500.00} value. Really? So ok my thought was its around {$100.00} i will still owe. Less then my normal payment. So i waited. XXXX reached out 3 times. I called Mariner finance of XXXX every few weeks got a diffrent story each time.. XX/XX/XXXX or XX/XX/XXXX time i talked to mariner they advised me they still havent recieved a check this was XX/XX/XXXX. So i call the salvage department with XXXX. They had me on hold as they once again contacted Mariner Finance of XXXX Md to fond out when they would recieve the letter of guarantee. This is a standard practice between every finance and insurance company. XXXX informed me that they once again faxed the letter and stayed on the phone with XXXX. They didnt recieve it. So she preceded to email and waited untill he recieved it. XXXX did return my call after he finished his call with XXXX. We had a heated comversation of the inability of them doing there job properly. And i asked to speak with a manager and was denied. Ok. He called me back the following day to inform me the letter of guarantee was being summited back to XXXX.. i paid me XX/XX/XXXX payment of {$170.00} on XXXX XXXX. I didnt know what was going to be ledt on the loan since every time i called the number changed. They refused to tell me what the $ amount would be untill they recieved the check from XXXX. Ok on XXXX XXXX they recieved the check. XXXX then contacted me to inform me i have a balance of almost {$80.00} for added interests on my acount to pay it off. ..what? If i did the math correct and my pay off was {$2600.00}, XXXX paid u just about {$2500.00} plus i just paid you {$170.00}. How to i have more intrest to pay. When i have gap insurance and should never have had to come up with {$170.00} in the first place!. 
This is why i paid for gap and i cant even get my money returned on a insurance policy they provided to me at a cost in the event of this exact thing happening. Heart broken.
Looking at my Transunion credit report it shows that XXXX XXXX  account and credit acceptance account " NEEDS ATTENTION ''. That comment needs to be removed. Both of those accounts are in Chapt. XXXX. No bankruptcy account needs that type of comment because the account is closed showing wage earner and a XXXX balance. There should be not other comments on these accounts.
XXXXDear sirI would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX would like you to help me to find the fund that I lost into WachoviaBelow is my XXXX in historyMy XXXX on the move : Step XXXX : Info from XXXX " We are continuing to review your request regarding your XXXX account. XXXX XXXX moved their funds out of XXXX on XX/XX/XXXX to XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IA ). The amount moved for you was {$67000.00}. " Person found that fund is : XXXX XXXX XXXXSr. Retirement Plan Distributions AssociateXXXXXXXX XXXX, NE XXXXToll free : XXXX Ext. XXXXDirect : XXXXXXXXFax : XXXXXXXXEmail : XXXXXXXXXXXX I made an application with Wachovia broker to move my XXXX to my Ira account ( please see the attached file ) Since from that date ( XXXX ) I left US for XXXX My account was inactive until now and this account was insured by FDIC so I hope you help me to have that fund backPlease give me a guide line what need to doThank youXXXX XXXX
I am a real estate working on a short sale for an XXXX borrower who is currently in a XXXX. I began working on a short sale XX/XX/2016 with Wells Fargo. Throughout the entire process, Wells Fargo has failed to communicate. They have made the process as difficult as possible. For example, it took over a month to get an authorization letter approved because they would n't accept the borrower 's power of attorney from her daughters. She is unable to make financial decisions and care of herself ( hence why she 's in a XXXX ), but Wells Fargo insisted I obtain an authorization letter signed by her. In the mean time, we wasted over a month. Then the file was closed out without anyone being notified even after I repeatedly called and emailed my negotiator. A foreclosure sale date letter was mailed to the home which is vacant ( again, the owner is in a XXXX ). And so neither myself or the owner 's children were notified properly. As it now stands, we have a solid cash buyer with at a fair market value price. There is no reason this short sale should n't be approved ASAP.
Equifax, XXXX & XXXX. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX  XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

XXXX XXXX XXXX
I submitted an application to open a checking account on XX/XX/XXXXunder a promotion to where I was supposed to receive {$50.00} by using my debit card to make 10 transactions of at least {$3.00} each for the two months following my opening deposit posting to my new checking account. The minimum opening deposit for this account was {$100.00}. I clearly chose to fund my opening deposit at the time of the application with a {$500.00} credit card deposit. That deposit posted in XX/XX/XXXX. I subsequently made the required 10 transactions in XX/XX/XXXX and 10 more in XX/XX/XXXX to meet the terms of the promotion. My account was opened on XX/XX/XXXX and I decided to link this new account to an existing checking account at another bank. They subsequently sent trial deposits totaling XXXX cents to my new account that posted on the last day of XX/XX/XXXX. The bank insists that this XXXX cents counted as my opening deposit despite them clearly being trial deposits and not even meeting the minimum amount for an opening deposit. They then claim because I did not make the debit card transactions in XX/XX/XXXX that I did not meet the terms. I believe they are both factually incorrect and being extremely unreasonable in refusing to honor their promotion. This has been an extremely frustrating experience.
I had a car loan with XXXX in XX/XX/XXXX, I totaled the care in XX/XX/XXXX. When the car was totaled, my insurance company paid the loan as well as my gap coverage. My mother, XXXX XXXX, co-signed this loan with me and was checking her credit report in XXXX and it showed the XXXX   XXXX was written off as a bad debt, not as a paid off or written off as a loss. I have repeatedly asked XXXX to send me the complete payment history including the payoffs and keep getting told they have sent it or its in process. I did receive a letter from gap showing their payments. this has completely dropped my mothers credit score from the 800s to the 600s.
I have tried contacting Pinnacle Credit Services LLC for the past year and a half to verify a debt that has been reported on my credit report and have not received anything in writing. Whenever I dispute the items on my credit report, they come back 3 months later and report back again. They hired another company that has been calling me and unable to verify the debt either. Apparently this so called debt has been in existence for 8 years which has already passed the statue of limitation for them to collect. The credit reports are also still reporting it even when I have disputed this item numerous times. Please help. This organization is in violation and they are ruining my credit.
AAFES ( Army Air Force Exchange Services ) has incorrectly reported my payment status on my credit report for the past 4 years. AAFES states my late payment status was reported due to the minimum payment not being accurate. AAFES never notified me that there was an issue and refuses to correct their mistake, the lack of communication, that led to the faulty reporting. I have reconciled account problem with customer service with no issues, but the credit reporting department refuses to come to any sort of amicable resolution on the matter.
I found out through my credit report that there is a collection from XXXX XXXX XXXX for a medical collection from XXXX hospital. This bill was for my son who is XXXX years old and is XXXX. I contacted the collection agency because I had started a payment arrangement with the hospital itself immediately after receiving the 1st bill. The hospital stopped ticking the funds from my bank account for no reason. I call the collection agency in explain this I even offered to borrow funds from a family member to settle the account but I only hide half of the balance at my disposal. They refused to do any settlement on the account and they said they would continue to report the account of the collection to my credit report. They also said that even if I started on a repayment plan as I originally had with the hospital it would still report me negatively to my credit report. 
Having a special needs child on the XXXX XXXX it's very difficult especially because insurance doesn't cover the majority of any emergency expenses such as his. We were a charge over {$13000.00} just for a one and a 1/2 day stay at the hospital and the insurance covered a portion of it and we were responsible to still pay {$3600.00}. We do not have those funds and have attempted every possible option to avoid this impacting my credit report.
As part of ongoing disputes wih Equifax, where no such dispute was XXXX with FRAUD - Equifax inserted a FRAUD statement on my report - and then sent/shared it with XXXX and XXXX. 

The statement is wholly inaccurate, and not in any way shape or form warranted. 

Please remove this statement from my reports - and then - request that the same CRA 's you shared it with - as you ARE the owner, remove the same. 


" Company respondedXXXX said : Explanation of closureIn order to protect your privacy, we have mailed an updated copy of your credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX - XXXX ET. Please visit XXXX for frequently asked questions about your credit report. 
ReliefWe received your complaint about the Initial Fraud Alert in your credit report, and apologize for any difficulty you may have experienced. Initial Fraud Alert identified in your complaint has been deleted.. 
DisputeResponseWe have reviewed your complaint along with the information you provided regarding this issue. In response to your request on XXXX/XXXX/2015, we received a request from Equifax to add an Initial Fraud Alert to your XXXX credit report. As a result the alert was added and a notification was sent to you via mail on XXXX/XXXX/2015. Please be advised under the guidelines of the Fair Credit Reporting Act, " Each consumer reporting agency that receives a request to add a fraud alert or active duty alert from another consumer reporting agency shall add the alert as though the agency received the request from the consumer directly. '' At your request we have deleted the Initial Fraud Alert from your XXXX credit report.
XXXX XXXX XXXX XXXX is listed as a derogatory items on my credit reportXXXX is reporting wrong information on my credit report for a debt that was paid in XXXX 2015 in flagrant violation of the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX is reporting a rating of XXXX on a scale of XXXX on my credit for a debt that was paid off in XXXX 2015. It is a wrong credit rating because the debt was paid off. XXXX XXXX is intentionally reporting wrong credit information on my credit report and it has negatively affected me.
I had a judgment on my credit report with XXXX XXXX which was paid off in 2014 through a garnishment on my husbands paycheck. Having this on my credit reports is preventing me from obtaining a mortgage and moving on with my life. Also none of the amounts of the judgments on any of XXXX reporting agencies is the same! I want it removed from all XXXX reports please
I obtained a copy of my credit report and observed that there are fraud items on my report. I have disputed with Experian and it's still not resolved. This fraud items are severely impacting my life and I can't get a apartment rental or car rental and my car insurance premiums is high as well and they all tell me it's because of credit report and what is causing this issue is fraud account and inquiries. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF as well as XXXX XXXX  XXXX XXXX Date opened : XX/XX/XXXX I did not authorize or open this two accounts above and have in several letters provided Experian with affidavit and police report and have not received a response. This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. 


Lastly their is an inaccurate late payment reporting on XXXX XXXX XXXX  - XXXX opened XX/XX/XXXX account, I did contact XXXX XXXX and they said they sent an update to the credit bureaus so this 2 late reporting should be removed.
I was first called by Diversified Consultants, not sent a letter. They left a message. I returned their call. I asked them what they wanted and they started to bore in on me and just yell and talk over me. I was very unappreciative of this and told them it was customer abuse. When I told them that I had a letter from XXXX that said I was not to contact anyone related to XXXX XXXX and this incudes them ) they got mad. It was as if to say that I should violate law and the letter. They also told off my husband and he never spoke to them before that one time. 

When I would try to speak to them they referring to everyone I spoke to, would talk over me even after asking a question. They would not listen to my answers so I stopped talking. at one point I asked a question and they answered with a question. I asked them to please answer my question with a statement and not a question. They refused. They continued this pattern of behavior and to this day now I have them blocked in my phone. so they try restricted calls but my phone blocks those as well. Therefore I am requesting ALL communication in writing. I also informed them I had no further interest in talking to them and am sending them a cease and desist.
I opened my CitiGold checking account at the end of XXXX XXXX. I signed up for it because I was lured in with a bonus promotion that promised XXXX XXXX XXXX miles would be credited to my AAdvantage account that was linked with my Citi XXXX XXXX credit card. To receive the bonus, I was supposed to use the bill pay feature in two different months and I was supposed to spend {$1000.00} on the debit car within three months of account opening. After I completed these requirements, I asked Citi customer support when I could expect to receive the promised airline miles. I received a response that contained this : " After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX promotion offer. The promotion states that you will receive the miles within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements in the month of XXXX and the 90 days began on XXXX/XXXX/XXXX. You can receive the miles no later than end of XXXX. There is a certain processing time for XXXX XXXX to credit the miles to your account. If you do not receive the miles, please contact Citibank and we will submit an investigation to the missing miles on your behalf. " In this message I was told I would receive the miles at the end of XXXX. Also in the same message was this : " Please be advised that the Citigold account has a $ XXXX monthly service fee if you do not meet the {$50000.00} average balance requirements. The {$30.00} fee appears on the first business day of the month. If you see a {$30.00} fee, this will be the monthly service fee for the Citigold account. '' No problem, I thought, I am happy with the account so far I will just keep paying the monthly maintenance fee. 
Anyways, the end of XXXX came and passed an I still had not received any airline miles from the CitiGold promotion that I was enrolled in. No problem, I thought, I will just send a message to customer service to see what the hold up was. I received a response that contained this : " I regret any confusion and inconvenience this has caused. Our promotion offers are available by invitation to specific targeted clients to an email listed on your account and/or letter sent by mail from Citibank. 

I understand you received secured message XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with promotion attachment and promotion requirements. However, this is not a guarantee of eligibility of promotion incentives. In review of your eligibility, an invitation for this promotion was not targeted. I will have our Marketing management team re-review your account and promotion eligibility and send you a response by secured message. " As you can read from this message, Citi has back stepped from what I was previously told. Apparently, I am not the only person this has happened to.
XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from XXXX / TD auto finance. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX was filed in XXXX they was only notified XXXX closed my account in XXXX and reported me late and discharged through bankruptcy. 
i reported them as inaccurate. I had a XXXX  balance at the time that i filed in XXXX owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed XXXX any money never late and never was discharged under chapter XXXX TD paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account
I have disputed unauthorized inquiries  on 2 occas ions with the credit bureau and requested they be removed. The credit bureau responded with a form letter explaining what an inquiry is, yet did not address my concerns nor delete the inquiries.     XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX
My mortgage company is reporting that I have paid over 30 days late. XXXX times. This is false.
I just filed a complaint against equifax because, after repeated attempts with no results to get my report changed, I contacted CFPB and filed a complaint. Thanks to your good work, Equifax now shows that I filed for bankruptcy in XXXX. They do n't show that my petition was also discharged in XXXX. Also, the date of reporting is currently listed as XXXX but I first sent this information directly to Equifax in XXXX so I 'd like my report to reflect that the bankruptcy was reported several times in XXXX. Without notice of discharge, my loan officer ca n't give me a better interest rate on my car note. I 'm trying really hard to reduce my monthly payments in order to make my expenses more manageable. I 've attached the notice of bankruptcy discharge.