WillisBack/dataset-financial-user-claim huggingface dataset:
One XX/XX/XXXX, I received a letter from XXXX, XXXXstating that I had an escrow refund check issued in XXXX and it was canceled. I followed the instructions on the letter to fax a form stating to reissue the check. On the letter, it stated requests would be completed within 7-10 business days The form was faxed on XX/XX/XXXX. After sending several emails and leaving voicemails with the contact on the letter to follow up on the request, I did not receive any response. I then resorted to send a secured message through their website which got me the same result, no response. I finally was able to get in touch with someone through their customer service center, " we know it stated 7-10 days but we have received over 60, 000 requests '' and I should be getting a check now in mid XX/XX/XXXX. However they never would verify that the fax was even received. So I am not confident that mid XXXX will even be reached. 

If they knew the amount of requests was XXXX they should have known they would not have been able to meet the turnaround time-frame stated. Also, I am having a hard time believing that many customers did not receive or cash a refund check and am led to believe they never sent those checks thus trying to cover their tracks. This process feels deceptive on several levels.
On XX/XX/XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XX/XX/XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XX/XX/XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
In XX/XX/2017 I was contacted by a company called XXXX XXXX. They told me that they have been sourced by the government to help implement an Obama administration debt relief program. I was explicitly told that by signing up with them they would consolidate my student loans and turn my monthly payment towards my loan into one third of the price of what it had been. I was explicitly told that after making this smaller monthly payment to XXXX XXXX for 4 years my loans would be paid in full. I was explicitly told that these monthly payments would be put towards the towards the principal of my loan. They said they were part of a government program. I received paperwork that was intentionally misleading. I have made the smaller monthly payments to XXXX XXXX for 12 months now. I was contacted by my student loan servicing company recently and told that my payment was past due. 

After communicating with the student loan company it became clear that no money had been put towards my loans in the past 12 months and that the company XXXX XXXX is a scam. I called XXXX XXXX to clarify the situation and cease payments immeadiately. I was told that they had nothing to do with my loans and are not a part of the government. It was explained to me that a bank called XXXX XXXX XXXX  had submitted a debt consolidation form to my loan company on my behalf and charged me a fee for this " service '' ( this is free to do on your own behalf through your loan servicer ) and that XXXX XXXX had purchased the loan from this bank and I am now paying off the new loan. When I communicated clearly that authorization for automatic payments has been withdrawn they refused to provide me with documentation that they had adhered to this cancellation and threatened me that if I stop these payments they would not just " go away ''. 
When I contacted the company, they said my file was incomplete & they needed more information. Every time I contacted them ( even after submitting all the previously requested information they needed ) I was told they always needed something else. I have paid {$440.00} to this company ( XXXX XXXX ) and owe {$1100.00}. And they have done nothing on my behalf to settle the student on debt. The contact number they have online is fake, when you call, it immediately disconnects. XXXX & the number used in email messages does not work either XXXX, the person that I would correspond with, his name was XXXX XXXX.
This charge from XXXX was never supposed to be added to my account. I have spent 6 months getting XXXX to remove this charge and clear my balance to {$0.00}. I was told the charge was removed from my account over 5 months ago. I have been released from this erroneous charge. They guaranteed me that this would never be an issue on my credit report, as I pride myself with keeping a very high credit score. Someone needs to get through to this company and confirm the charge was removed.
1. In XXXX 2016, Fifth Third Bank provided me and my husband with a prequalification letter for a construction to permanent mortgage loan on our primary residence. After notifying them at the end of XXXX 2016 that we were ready to proceed and supplying them with sufficient info for an application, we did not get a loan estimate until the end of XXXX. 
2. Without our knowledge, our loan application was made inactive by Fifth Third even though we were actively communicating with our loan officer for an XXXX XXXX closing date and repeatedly being told the loan closing was on target. Construction on our home had been scheduled to start the day after closing. Five days before the target closing date, our loan officer informed us that the closing would not occur on XXXX XXXX and our file had become inactive due to Fifth Third not setting up our contractor in their system. We were told by our loan officer and her direct manager that the only way we could proceed with a loan from Fifth Third was to reapply. All scheduled construction work had to be halted and our project was delayed through no fault of our own by 7 weeks.
payment sent out on XXXX XXXX, 2015 not credited to my account.
PNC Mortgage, XXXX I purchased my house in XXXX XXXX, XXXX. I been having problems with my home since purchased it. In XXXX XXXX me and my spouse separated and we agreed that i was not responsible for the monthly payments nor the interest on the home. My credit score is poor because of nonpayment reports and inquiries.
I have called Equifax several times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to advise them of the inquires on my report from XXXX XXXX, XXXX XXXX XXXX. The Bureaus in collections for the amount of {$460.00} Not only have I spoke with rude associates but have been told that there is nothing they are able to do about the unauthorized inquires and I have to call the company. I called XXXX XXXX XXXX XXXX  XXXX they have no information in regards to these inquires and was referred back to the credit reporting agency. I have disputed the collections with The Bureaus to validate my debit with my permission to place this alleged " debt ' on my credit file and Equifax continues to tell me that my debt is validated and will not advise me of how. I am a victim of their recent and previous security breach and they will not assist me. I have contacted the collection agency on XX/XX/XXXX and they will not provide proof that I gave them permission, instead they keep telling me that I have to pay them in order to get any information.
This company keeps calling about a debt apparently owed by someone else. Although I already told them I am NOT affiliated with the alleged debtor, they have continued to call me trying to obtain information I do not have. They are cynical and rude.
This is my third attempt with Experian trying to resolve this matter without involving legal action. May this complaint serve as legal documentation for litigation purposes. I have sent in several documents including my original police report to Experian about fraudulent accounts on my credit report and Experian has again recklessly failed to follow reasonable procedures to ensure the accurate reporting. I asked Experian to provide me with a reasonable answer to why and a method of verification in which Experian has failed to do so. Experian continues to show disregard for the FCRA. These accounts were opened as a result of identity theft and i provided this information with my police report to Experian but they have failed to remove these accounts nor have i received information as to why they continue to report these fraudulent accounts grossly effecting my credit abilities. Congress enacted FCRA in 1970 to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. Due to Experians negligence of this act, I'm unable to have fair market value in applying for new credit. My next step is to contact my Attorney General in this matter. Im a member of the XXXX XXXX serving my country proudly, to be a victim of identity theft and having a private company like Experian not comply with Federal Law. I feel i have been victimized twice in this matter. May this complaint serve as a legal document for litigation purposes.
I have contacted Louisiana Recovery Services on many occasions to validate a debt that the company claims i owe to them. There are several accounts that are listed on my credit report that i have no knowledge of. After properly disputing the accounts i received a letter stating that i owe them an amount that is not listed on any of these accounts on my credit report. I was told that i need to validate my own debt and that they would not remove it. The company has not sent me any information as to where these debts come from or proof that they belong to me.
Navient : I was paying the agreed {$250.00} a month ( which was what they said was a garnishing of wages which I agreed to ) and when I checked my auto pay they had pushed it up to around {$380.00}. Along with multiple times kicking me off  of Auto pay.  Which I should not be liable for due to their fault in system.
You Guys Are Showing Up On My Credit Report As A Repossession But Law Once You Sell The Car By Law You Have To Remove Repossess From Credit Report
I received a letter on XX/XX/18 that I owed {$670.00} to a XXXX company. I had no idea what this was until I XXXX the name. Its a satellite internet company. The address on the letter was not my address and I have never had satellite internet where I live. I then sent a debt validatation letter through certified mail on XX/XX/18 with a return receipt that was accepted on XX/XX/18. I still have not heard anything and we are in the end of XXXX. I am concerned because this is not my debt and this company refuses to give me proof. From the laws and speaking to my attorney they had 30 days to respond. It has almost been 90 with no  response.
The credit file belongs to the consumer not the credit bureaus, and all the information therein. They do not have the right to decide whether or not to dispute it. I have tried sever times over the course of a couple years to dispute the wrong information that is contained in my report and they just flat out refuse, and say its erroneous. This is not right.!! plus all three companies should be uniform and held to the same standard so there is n't misinformation and so many different scores out there. I am tired of fighting with theses people about my credit report.
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 Lexis Nexis, 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. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX Please Remove the following Numbers : ( 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
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information. '' I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 10 years. 
My name is : XXXX XXXX XXXX My SS is XXXX My phone : XXXX Please remove all other variations of my personal information. 

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
On XXXX XXXX, XXXX I mailed a check # XXXX in the amount of {$2800.00} to pay in full statement due on XXXX/XXXX/XXXX. This check was cashed and never applied to my credit card account. A letter dated XXXX XXXX, XXXX from XXXX XXXX a collection company was sent to me stating they were collecting on a past due debt. I responded with a dispute. On XXXX/XXXX/XXXX, I received a letter from XXXX services stating they investigated how they were reporting my information. They confirmed the information as accurate that my account was closed by the credit grantor on XXXX XXXX, XXXX. They received my last payment on XXXX XXXX, XXXX and my account has a XXXX dollar balance. After they continued to report my account as past due with a balance I again disputed the information. The executive office first claimed they never sent the letter stating the account was paid so I sent them a copy. They they sent me a letter dated XXXX XXXX, XXXX stating they never received the payment and only issued a temporary credit on my account and reversed it because the information was illegible. This is all 8 months after sending me a letter saying its a paid account and closed. They have been paid and I have a letter from the company stating just that. This account should not be reported as past due, delinquent or have a balance. This is only damaging my credit score and credit history.
On XXXX XXXX, 2017, I tried to make my auto payment to SierraCredit.com ; however, the password reset and register option just would not let me do it. Unfortunately ; it was after hours ( I work until late ) and the office was not open to call. I called in on XXXX XXXX, 2017, and let them know the website still will not let me in and I need to make a payment. I called my mother whom was making this payment for me with her card and conferenced her in. First issue, was they just began talking to her without making sure I was who I said I was and second my mother asked if the late charge ( approx. {$16.00} ) could be waived as the website is down and she was told " nope ''. The unprofessional-ism in this company is astonishing. After the payment was made my mother had asked about being able to log on in the future since this late charge in no way should be charged to me and the rep did not offer to assist me getting logged in once. She stated she would put supervisor XXXX on the call. As we waited over 10 mins on silence another very unprofessional supervisor by the name of XXXX got on the line and continued to over talk my mother. She says to my mom XXXX is authorizing you in which I say I do ( again they dont check to see I am who I say ) At one point my mother said can you let me finish talking when XXXX responded " I was talking first ''. Where do they hire these people? My mother has been a manager for corporations for 20 years and if her staff spoke to anyone this way they 'd be out the door. My mother then asked XXXX to remove my only late charge in 17 payments. XXXX then told her that I have FIVE lates which is absolutely untrue and can prove it as my mother makes the payments for my every month on the XX/XX/XXXX ( my grace period is until the XX/XX/XXXX ). My mom ask where on the website does it say that, and XXXX responds its on the statement. Where? Im looking and it does not say that. XXXX stated if you make your payment on the weekend the grace period days arent counted because it will apply on Monday ( WHAT ) thats not legal at ALL. My mother then ask for one of those late charges to be waived and she again is told no. This will be going to an attorney as well. No one gave me my mini miranda which they should know is illegal.
At the end of a lease from an apt . when my son was in college, balance was suppose to be paid by all tenants. I paid my sons part and XXXX other other men paid their part but XXXX of the boys did not pay his part and it is showing up on our credit because the lease was signed by all XXXX guys. The guy refused to pay the difference and it has been sitting as a bad debt on my credit even though the collection agency agrees that they show that it is owed by the XXXX party but they want me to pay his debt to clear my credit.
AFTER NUMEROUS COMPLAINTS,, BANK OF AMERICA REFUSES TO ANSWER SIMPLE QUESTIONS, THEY ARE EVASIVE AND ACT WITH CRIMINAL INTENT!!! 
ANSWER THE QUESTIONS!!! 

CAN YOU SHOW A CURRENT VALID CONTRACT WITH ME,? YES OR NO?? 

CAN YOU SHOW VALIDATION OF THE ALLEGED DEBT.? YES OR NO?? 

WHY ARE YOU REPORTING ON AN ALLEGED DEBT AFTER 7 YEARS,?? WHY WHY WHY????? TELL ME WHY YOU HAVE VIOLATED THE LAW SO MANY TIMES AND DO NOT SHOW ME AN OLD CONTRACT FROM XX/XX/XXXX-XX/XX/XXXX, ITS NOT VALID!!!!!!!!!! 

AND DO NOT SHOW ME A STATEMENT!!!!! A STATEMENT IS NOT A BILL YOU XXXX
On exactly XX/XX/2018, I sent a letter to each company listed on XXXX, EQUIFAX and XXXX  regarding inquiries on my credit profiles that were not authorized. I never received a response back neither were the inquires removed from my credit profile. 

On exactly XX/XX/2018, I sent a letter to XXXX  XXXX and Equifax requesting assistance in removing the inquiries not authorized by me, informing all three bureaus that I contacted each of the creditors by phone as well as by mail. No response has ever been received by XXXX  or XXXX regarding. 

Equifax responded back informing me that the inquiries were valid and will remain and although a proven signature document with my information and signature were requested, Equifax failed to provide this information to me.
This dispute involves XXXX XXXX and their collection subsidiary GC Services Limited Partnership. I entered into a payment plan with GC Services Limited Partnership to reduce my interest rate, waive late fees, and pay off my debt. I was told it was a 27 month program where I paid {$200.00} per month which would cover my balance. At the time of this arrangement I had a past due amount owed. I was told that the past due amount was rolled into the balance and that the payments would cover the past due amount as well as the remaining balance. I checked my credit report however to find that since the arrangement in XX/XX/XXXX, I have still been receiving late payment reports on my credit report each and every month even though payments have been made each month. I was also told that the program of reduced interest and waived fees only in fact lasts 12 months, not the 27 months I was promised when I agreed to the payment arrangement. None of my {$200.00} payments had gone toward the past due amount. ( i 've paid {$1200.00} so far ) the past due amount was {$700.00} approximately so it should be paid at this point. Now I just get passed back and forth between XXXX and this collection service and no one can help me.
I have sent several letters to all three credit reporting agencies requesting that the Bankruptcies that are reported on my account should be remove do to the fact the the federal courts do not report any of this information to them. They receive this information through a third party. Upon ordering a copy of my credit report, I see two entries listing Bankruptcy Chapter # XXXX one in XX/XX/XXXX and one in XX/XX/XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.. 

I have sent three letter to the credit agencies and have never received anything back again under the FCRA they must send validation with in thirty days of the dates of the letters. I have also call the credit agencies and still do not know if the have put a dispute on the account because they have not told me but I do know that they have not removed the Bankruptcies Chapter # XXXX. Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate.. The agencies have found information on bankruptcys through third-party research. 
I would like to have the name of the person that has worked this case and copies of letters they have sent me. Because I have the copies of letters Ive sent then but no reply but a copy of the credit report Dated XX/XX/XXXX.
XXXX XXXX posted a 30 day late on my credit report for XXXX, Equifax and XXXX. My payments were made on XX/XX/XXXX. I posted two separate payments as my first payment was incorrectly entered as {$240.00} on the XXXX system. I then went in soon thereafter and posted another payment for {$400.00} to ensure my acct would be current also on XX/XX/XXXX. I then received a call on XX/XX/XXXX indicating my acct was still past due as only the {$400.00} was entered in the system. I then immediately made the payment. I was always under the assumption that both of my payment had been made as I had received the confirmation email from XXXX.
I sent a letter to XXXX with confirmation of my email confirmation as well as the debit from my bank. XXXX denied the confirmation and stated that it was incorrect even though I sent proof of the email as well as where the debit had taken place on my account. XXXX asked me to dispute the amount with my bank as they had never received it. I put a dispute in place with my bank account and asked XXXX to at least remove the 30 day late from my credit as the error had been on their end and as a goodwill as I have been a good customer. They once again denied everything and told me they would not remove the 30 day even after providing all the proof. I am asking that they remove the 30 day late from the 3 credit bureaus as i am unable to qualify for a good rate for a home loan that I am pursuing. Even though i urged them, they are not cooperating and when I ask to speak with management they tell me there is no one in that department i can speak with because they do not take calls.