WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed this account several times The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 

1. Payment history is inaccurate and incomplete.
Transworld Systems Inc XXXX TSI XXXX., a collection agency ( XXXX ), has not contacted me regarding a medical debt that this CA is reporting on my consumer credit file. This agency is in violation of the FDCPA for not disclosing my rights to dispute this debt. 

TSI is in violation of XXXX laws pertaining to reporting " medical debts '' to the ( XXXX XXXX Credit Reporting Bureaus before XXXX 6 XXXX months of last payment and not allowing sufficient time for my medical insurance to cover the bill.
Nationstar Mortgage claims XXXX XXXX XXXX transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when XXXX XXXX XXXX transferred it. However, Nationstar indicated the loan was greater than {$80000.00} past due when transferred. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XXXX. Notwithstanding, the loan history does n't show any delinquencies after XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to Nationstar. At the very least, Nationstar 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since XXXX XXXX, XXXX.
XXXX has erroneously posted an auto loan under my social security number and has caused significant damage to my credit report. On XX/XX/XXXX I notified XXXX customer service that an erroneous entry on my credit report showed an auto loan that I did not have. After several phone calls to XXXX they promised a call back but never did. On XX/XX/XXXX I called XXXX offshore customer service ( in XXXX ) which they advised they had confirmed with the auto dealership where the loan was opened, and that the social security number was correct. I knew this was not true, so I asked the rep for the name of the dealership where the auto loan was opened. The XXXX rep gave me the information and I called the dealership and spoke to the finance manager. He confirmed the Social Security was miskeyed by XXXX. I then called back XXXX and advised them of my investigative findings. XXXX promised a call back and I never received one. Last night the rep stated that I should just get a lawyer, which is a horrible response to solving this problem. I would like to file 1 ) complaint regarding the issue with incorrect SSN displaying on my credit report 2 ) I would like to file a complaint to your executive managers regarding the false investigation that was conducted on your part. 3 ) I would like to file a complaint to your executive managers regarding every representative who promised to call me back but did not. Per FCRA law the item must be removed from my credit report immediately. The customer service that I received from this bank is horrible. All calls are contracted out to a call center in XXXX, and their customer service skills are horrible. I am not even a customer and I am glad I am not.
I was called on XX/XX/XXXXin regards to a debt with a leasing company. When I initially got the letter I tried to call to set up a payment plan to get the debt payed off. No one ever returned my call. On XX/XX/XXXX I received a call from IQ DATA INTERNATIONAL. The rep stated that I had until XX/XX/XXXX to make the payment in whole or they would be forced to put the debt on my credit. I explained to her that I would not have {$1100.00} by XX/XX/XXXX and could I arrange To make payments to have it paid off by the end of XXXX. She told me no that they could not do that and that she would put a senior account associate on the call. The senior account associate asked me if I could write a check my phone for the full amount on XX/XX/XXXX and that they would cash it on XX/XX/XXXX. At that point I didnt feel comfortable so I asked if he would hold on while I called my husband. Once my husband got on the phone he stated that he could take the debt down to {$800.00} if we paid by the end of XXXX and my husband told him we wouldnt have it by then. He then proceeded to say that it would be considered failure to pay and it would go on our credit. I asked once again could we not make payments and he stated we couldnt and he hated what was about to happen to us. So at that point I got upset. I asked what do you mean what is about to happen to us. He said he was an at liberty to say. I asked was he gon na garnish our wages and he stated more than likely. I then asked him why would they just call and and want payment immediately like that. This is the first time they have tried to reach us. He then began to yell and he got very volatile with us and hung up in our faces.
I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is XXXX due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX.

I have also disputed with Transunion XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with XXXX  XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018.

I have called XXXX XXXX several times and they keep telling me they sent the information over to 3 credit bureaus.

This item XXXX XXXX is inaccurate or because I have made all on time monthly payments from XX/XX/2018through XX/XX/2018. I am requesting that the item be removed because you XXXX  has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you XXXX and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXX XXXX is indicating you XXXX  are the party in this matter not reporting information accurately.

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted.

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency.

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018
Experian will not let me dispute a judgment. It stated they already investigated it. I want this judgment deleted from my credit report. There is no such document in XXXX County Clerk 's office.
I tried to pay my rent they refused it do to me calling code enforcement on them so they didnt have to fix it they sold it for XXXX cash so the new family was responsible for the code enforcement fine so they lied and filed a eviction
In XX/XX/2018 I received a notice of and inquiry from XXXX   XXXX  XXXX. I contacted them right away and they communicated to me I was People 's United Bank who submitted the request. They advise me to go into the branch and disputed with them. Which I did. Per Peoples United Bank staff my credit was not ran by them. I never give any permission or authorization to any staff or People 's United Bank to run my credit for a Mortgage.
I have provided documentation to citizens bank that a charge from my credit card was false. Despite several conversations with the dispute department where they acknowledged the receipt of the documentation, they failed to respond in writing and failed to resolve this issue in their allowed time.     I filed a complaint and was contacted on  XX/XX/XXXX    by  XXXX   XXXX  of citizens bank who told me he would investigate this matter and " make me whole '' Since this call I have received numerous calls from citizens ' bank dunning me for a minimum payment. I explained the situation to the first collection person and gave them  XXXX  's phone number.     This did noting as I have received several more human and robo dunning calls.     I have left several messages on  XXXX  voice mail telling him that I am being dunned and he has not returned any of my calls.     I think that such collection calls and the failure of Citizens to resolve this issue as mandated are clear violations of consumer law.
I had a credit card from XXXX that was charged off back in the year XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XXXX XXXX to XXXX XXXX I was on a duty XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX XXXX XXXX, neither have I. On Monday XXXX XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you.
The United States Treasury Department and other federal agencies established the Home Affordable Modification Program ( henceforth " HAMP '' ) as part of the Making Home Affordable Program as authorized and enable by 12 USC 5201 et seq. The HAMP are incorporated in the terms of the subject contract between parties. The Making Home Affordable, Handbook for Servicers of GSE and Non-GSE Mortgages, 4 2MP Process and the Supplemental Directive 13-05, G. Section 4 of Chapter V, 2MP Process state in relevant part : " When a borrower 's first lien is modified under HAMP ( Tier 1 or Tier 2 ) or a Standard Modification by XX/XX/XXXX. The 2MP servicer must offer to modify or extinguish the corresponding second lien ... .. In addition, if the borrower 's first lien is modified under HAMP or a qualifying GSE Standard Modification, the 2MP servicer must dismiss any outstanding foreclosure action on the borrower 's second lien.

On XX/XX/XXXX, I enter into a loan modification agreement, therefore as per the mentioned Treasury Rules, the second lien holder One west Bank was supposed to either offer a loan modification or extinguish the debt. Ones west bank failed to do either and instead sold the loan to XXXX XXXX to enforce the debt.

These actions are in violation of the precedent stipulated Rules set forth as part of the Loss mitigation Resolution by the treasury department. The record reveals that i entered into a loan modification agreement prior to XX/XX/XXXX, and that the lien holder one west bank failed to abide by the Treasury Rules in regards to the debt. At this time debt collector and its affiliates XXXX XXXX, can not enforce a debt that should have been extinguished at this juncture.
On XX/XX/XXXX spoke to Chase Credit Card about promotional check, spoke with representative XXXX. I asked about what the minimum payment would be if I wrote a check. She explained it would be 1 % of the amount wrote. I wrote a check No.XXXX on the promotional on XX/XX/XXXX for {$15000.00}. She told me the minimum payment would be {$150.00}. there was a 4 % sevice fee added to that for a total of {$15000.00}. On receiving statement on XX/XX/XXXX on line, the minimum payment was {$780.00}. I called Chase at this point for an explanation. I spoke with representative XXXX, that looked at it and said that is not correct. She transferred me to Manager XXXX that explained the bill was 1 % of the balance plus {$600.00} service fee to be paid on the first payment up front? I received my next statement for XXXX and the next minimum payment was for {$740.00}, not the {$150.00} that she quoted. On XX/XX/XXXX I drove to the local Chase Bank where the representative their looked at the paper work I have received and she could not make any sense of it. She called and was also told they can't do anything about it. She was told that I signed an agreement back in XX/XX/XXXX to pay back 5 % of the balance for the minimum payment. I do not have any paper work from 23 years ago. They send these checks to me all the time. I would think these checks or paper work would give you some kind of an idea what the minimum payment would be. The local bank representative agreed and filed a complaint. She said the manager was going to file a complaint. I spoke with a man name XXXX again and he said the will not do anything. I am XXXX years old, on a fixed income, and an extra {$600.00} added to my payment is killer. I never would have wrote the check except I was assured the payment was {$150.00}. I have been totally mislead by the reps at Chase. the local bankers also agreed, who has kept paper work from 23 years ago. Help!
I am a single, XXXX mother of an XXXX, XXXX child. My XXXX XXXX was being repaired, needed a new seal put in. 

Meanwhile, XXXX XXXX, XXXX had come to stay with us because he had XXXX and asked if I could help take care of him until he was better. He ended up being hospitalized for almost a week, but came back here until he could regain his strength. His cousin would come and pick him up most every day to go to the store for us. I gave XXXX my debit card to get groceries and such from the XXXX, grocery store, and convenience store when he 'd go. I NEVER gave him permission to get money from the ATM. That was my only way of getting our necessities at the time. XXXX had gotten better and left my home on XXXX XXXX. 

I began receiving Overdraft notices from the bank, but knew that I had not even paid all my bills for the month. I checked my mobile banking and found that {$75.00} had been taken from the ATM on XXXX XXXX, which sent my account into overdraft for XXXX. I ended up being charged {$72.00} overdraft fees due to XXXX transactions that I 'd made without knowledge of his withdrawal. I usually get paid on the XXXX each month, but it fell on Sunday, so I got paid on Friday, XXXX XXXX. 

I went to the sheriff 's dept. and did a police report, which I took to XXXX XXXX. I signed an affidavit stating that the money was stolen from my account. The outcome is that my claim was denied due to " Negligence to safeguard my debit card. ''
Equifax mishandled my sensitive personal information, putting me and hundreds of thousands of other Americans at risk of having our identities stolen. I am listed as a potential victim of their security breach on their website http : //www.equifaxsecurity2017.com.
I sent a payment  to Wells Fargo ( Home Projects loan ) electronically from m y  XXXX    XXXX   Checking Account for several months now. I got enough money recently to pay off the loan amount and sent in the enough money to payoff the loan of {$1600.00} electronically from my  XXXX   XXXX   Checking Account to Wells Fargo Bank on   XXXX   XXXX . I checked my account on Friday  XXXX   XXXX  and noted it had not applied to the balance. I contacted them on Friday  XXXX   XXXX  using the websites message center and got a reply today that they never received my payment. I contacted  XXXX   XXXX  just to be told tha t Wells Fargo refu sed my electronic payment and so they sent a check to the  XXXX  address that I had for  Wells Fargo Financial National Ban k to pay on that loan. According to the  XXXX     XXXX   representative,  Wells Fargo ac cepted receipt of the check last week at the  XXXX  address. However, as of today it still has not be applied to my account and the payment is due today,  XXXX   XXXX ,    2017.      I sent a message  to Wells Fargo asking  that they review their records and verify they received the check ASAP. I have made copies of the communications that I have received and sent in their message center. They still do n't show the message I sent out today but I have the others.  XXXX  agreed to send me a copy of the information regards to the check and I 'll receive it within 7 days. They will put a stop payment on the check if I ask them but I do n't want to that because it is proof I sent the payment and it was received   by Wells Fargo.
Could you please help me ensure that Wells Fargo does n't   mess up my credit?     thank you
Garnished for {$2200.00} but no record of any account with that amount due.
Per the FCRA, you are required to provide complete and accurate information to the credit reporting agencies. In regards to complaint XXXX, you referred to my account as a loan, not a credit card. This is blatant misinformation and is potentially illegal if you are referring to my account as a loan to the CRAs. This needs to be correct and the late payment on my account needs to be removed immediately due to your company 's negligence.
I have disputed this information with XXXX several times. National Credit Adjusters continues to list an account on my credit report in collections after I filed bankruptcy XX/XX/17 and this creditor had listed the account duplicate times on my report and continues to only update one account but not this account and it is affecting my credit negatively.
SUB - I want Creditors/Banks and credit bureaus to consider my case and remove all the derogatory statuses from my credit report that got reported from XX/XX/XXXX. 

Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors. ( The payment includes the total Credit Debt $ + Lower interest rate ). 
I was asked NOT TO PAY a single Penny to credit card companies from the day XXXX signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying XXXX $ + to this company every month fromXX/XX/XXXX. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
XXXX XXXX XXXX For all this time as the company " XXXX XXXX XXXX XXXX never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.
Can't get XXXX but experian can sell me on all of their other products and it is no problem accessing any other product but XXXX   When inquiring about the error you always get transferred to membership dept which is nothing but a sales department for you to upgrade to a monthly membership vs the {$1.00} trial membership.
On XX/XX/2018 I sent a certified letter to XXXX, XXXX and Equifax to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from XXXX saying they will not investigate my disputes.
Received a letter in our on XXXX XXXX. Letter from collection attorney was dated XXXX/XXXX/2016 given me an opportunity to respond. Upon further investigation the envelope it was sent in was dated XXXX/XXXX/2016 this explained why I received it so late. I responded in writing on XXXX/XXXX/2016 and sent it via XXXX. Now today I am served a suit for the money amount dated XXXX/XXXX/2016 and filed XXXX/XXXX/2016. It was filed 3 days before I received the initial letter. I believe the letter was deliberately held 5 weeks and then mailed in an attempt to claim I never challenged the claim or responded to the claim.
I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
There is a collector by the name of M. Leonard & Associates reporting a closed account on my credit report that is not mine..I have repeatedly disputed this account to no avail.
I spoke to Santander my Creditor regarding my car and we agree if I would pay this bill off with a legal settlement they would removed off of my credit bureau reports. When looking at my credit report its states that I have been late and negative from XX/XX/XXXX until now. I have been trying to speak with them repeating ; they told me that they couldn't do anything to take off this negative reporting off my credit report, but I paid them over {$10000.00} in one lump sum. I have negotiated with them over and over again, even when i paid they still did not help. This creditor is paid and its showing negative on my report and is hurting me a great deal. PLEASE HELP ME
I have tried to pay Synchrony Bank ( formerly GE Capital ) and they have no after hour support to take may payment. As a result, they continue to tack on late fees in newinterest charges. I am a senior on a fixed income. This is very troubling to me that noone is available after hours to help me.