WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : I received a copy of my 3 credit reports and I found several items listed incorrectly on every one of them. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], as a consumer, I can dispute the items listed incorrectly.

I've disputed the method of verification by requesting from TransUnion, XXXX, and XXXX the following : The name of the courthouse The person 's name they verified the dispute with The documentation used to verify the dispute The process of Missouri Federal Bankruptcy Courts disburse consumer public information to credit bureaus I've received a response from the Missouri Federal Bankruptcy Courts relating to correcting inaccurate errors from credit bureaus. Missouri Federal Bankruptcy Courts as the original creditor, does not provide any information to credit bureaus. I've question the inaccurate information and I've believe my rights are being validation. Im planning to apply for a VA mortgage loan, and this unverifiable inaccurate information listed on TransUnion, XXXX, and XXXX is negatively impacting my ability to qualify.

Thank for your time and assistance, XXXX XXXX
My mortgage payments fell behind due to a temporary loss of paid hours at my job. The loss of the hours was because of an unpaid internship requirement for completion of my XXXX 's in XXXX.I lost 25-30 hours per week I could have been working at a paying job. I have since graduated with XXXX and have received many job offers. I 'll accept one of the offers on or before late XXXX early XXXX after my license application is finished in State review ( I must be licensed to XXXX. ) I 've also gotten extra income from my XXXX XXXX daughters and an online business. 

Wells Fargo has repeatedly ignored my requests for assistance of any kind. I 've been working with my State and local consumer specialists/ legal aid was was directed to attend the foreclosure meeting and request a 60 - 90 day extension. I was advised it was my legal right to have one extension. I went to the hearing on XXXX XXXX with even more documentation than my counselor advised. At the meeting I was told that I was not allowed to provide any evidence, no explanations would be accepted, no questions answered, and no extensions given. I explained that the State/county representative had told me I had the right to one extension. I was told, " Well, he 's wrong, you do n't. '' The only information we 'll take from you is documentation that Wells Fargo had an accounting error and you have been paying all along, and the payments and are not behind. A representative of the law firm representing the bank was there but I was not allowed to ask her any questions. No representative of the bank was present. 

I was asked if I had been in the military in the last 90 days ( I had not. ) I asked if I could offer the documentation about my permanent XXXX status with SSI. I was told " no. '' Today, Saturday XXXX XXXX I received a notice that Wells Fargo was going to auction my home off on XXXX XXXX. 

I 've worked with the bank multiple times and in multiple ways to correct the situation and/or ask for help. I 'm always denied. 

I believe that Wells Fargo is discriminating against me for my XXXX, and possibly for my XXXX daughters ( XXXX XXXX ). I have been denied my right to appeal, to have a time extension, and assistance. 

I also need information on any program that would allow me to stay in my home as a renter for two to three months, until I am able to accept one of the offered XXXX jobs and resume paying mortgage payments. I have and my family have no place to go, no extended family here, and no extra funds for moving and storage help. I am not physically able to move the contents of the home, especially with such short notice.
I used Paypal to purchase XXXX from XXXX. XXXX never sent the XXXX I purchased. I contact Paypal to open a dispute. Paypal reviewed the case and denied my claim and did not allow me to appeal their decision. When I paid for the XXXX purchase it was paid as a good purchased but Paypal processed the transaction as a money transfer.
We bought a XXXX with the payment agreement to be with XXXX Finance XXXX Al. XXXXXXXXRe : ACCount # XXXXXXXXThe terms we agreed to were 6.90 % with payment for {$66.00} for the XXXX 12 months and {$100.00} for the remainder of the loan. 

As soon as the tub was installed we received a letter from XXXX Finance that they had transferred the loan to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Wi. XXXX XXXX is trying to charge us an interest 0f % 19 for the entire loan. We never agreed to this.
On XXXX XXXX XXXX I contacted an ad on XXXX for a XXXX XXXX pickup truck. I left a message and XXXX XXXX XXXX XXXX called me back. He said he was a sales manager for XXXX XXXX XXXX in XXXX Kansas. He gave me all the info I asked for along with a copy of the title, video of truck running and specific pictures I had asked for. We negotiated and agreed on a price. They offered a shipping company who worked for them to deliver the vehicle to me within 72 hours after payment was received. On the XXXX we agreed on {$15000.00} plus shipping. At that time he wanted my drivers license in order to process the state paper work and to title the vehicle. He then emailed me a buyers order and all the account information to wire the money to their bank. On XXXX XXXX I went to our Huntington Bank and wired {$15000.00} to his XXXX account. After that he contacted me to tell me he received the money and that they were loading the vehicle on the truck and the truck driver would be contacting me. That evening the truck driver did contact me and said he would be here early afternoon on Monday XXXX XXXX. He would call when he was close. When I never got a call on Monday afternoon I began calling them and and never received any calls back. I started XXXX and realized it was a scam. They are still running XXXX other antique cars on other websites including the same truck I already was scammed on.
XXXX XXXX ( working on behalf of American Express ) has  continued to contact me at my work number even though I have expressly asked them to stop on XX/XX/18, XX/XX/18 and XX/XX/18
I filed a report with FTC.gov concerning Identity Theft ( # XXXX ). This is concerning two credit card debts with Synchrony Bank. They turned it over to XXXX XXXX XXXX. I sent them a copy of the FTC complaint. Additionally, I filled out all the paperwork they sent me concerning the debts. These are not my debts! They continue to call and harass me. Additionally, these are still showing up on my credit reports. One credit card is for {$680.00}, the other is for {$340.00}. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ga. XXXX XXXX
XXXX XXXX is attempting to collect a debt from a company I know nothing about. She threatened me and stated " she was going to contact my employer and there was a warrant out for my arrest from check enforcement. I asked for her to submit a document to show I owe this debt but was unsuccessful. She calling from XXXX. Not sure what to do becuase she harassing me at work.
All of a sudden in 2017 I saw a collection on my credit report from a company called Portfolio Recovery. I had no idea who they were or why as I had entered into a debt collection program ( XXXX XXXX XXXX ) that was taking care of my debts and the amount stated was not an amount I owed. I had XXXX and had to put bills on my credit card which then got to overwhelming. They claimed they sent me paperwork ( which I had never received ). I was also getting calls at all times of day and night but when I picked up noone was there, they called from different States with different numbers. I disputed the entry on my credit report numerous times ( it now states resolved, customer disagrees ). I asked them to verify the debt ( which they claim they got from US Bank, however the amount they are asking for is not in accordance with the amount owed ). And I never received sufficient paperwork according to the law to verify the debt. I also received threats I was breaking the law. 
As I never got the verification I never agreed to anything with them.
On XX/XX/2018 I received a refund from XXXX in the amount of {$12.00}. The refund had been credited to a Chase Bank account that had been closed. I contacted Chase and asked them why they would credit money to a closed account in the first place. I requested that funds be made available immediately and was told a check would me mailed out. I did not receive any check, and get no answers when contacting the bank. I have dealt with this kind of service from Chase Bank in the past, which is why I closed the account in the first place.
I am filing this complaint because Equifax has ignored to provide me with documents that their company has on file that were used to verify the accounts I disputed. Being that they went past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- THEY ARE REQUIRED TO " PROMPTLY DELETE ALL INFORMATION THAT CAN NOT BE VERIFIED. '' that I have disputed. Please resolve this manner as soon as possible. Thank You
I have a vehicle financed with Prestige Financial. I noticed within the last few weeks they have reported my principal balance as being higher than in previous months, while making my payments. After inquiring with them, they have NOT had this information corrected with the credit bureaus, as a matter of fact, they told me the credit reporting agencies report what they want. I have asked them since I have brought it to their attention for them to fix this issue. In the meantime, I also noticed that my " principal '' balance online ( when I log into my account ) increases daily. I inquired as to why that is and was told it is a per diem fee .... What is a per diem fee? I do n't recall that as being part of my contract ... XXXX Why do these companies think they can just take and take and take from their customers and if a customer schedules a payment 6 days after the due date, they are harrassing you even though they can see the payment is scheduled and will process in a few days .... With most companies, normally there is a minimal grace period. I just want my account and the reporting to the credit bureaus to remain accurate. I do n't know if there is anything I can do to just transfer my car loan to a different finance company as I do n't want to do business with companies are are dishonest and not trustworthy. Not sure what my options are at this point, but any advice on what I can do legally is greatly appreciated.
On  XXXX   XXXX    XXXX  , I received another collection call for a debt owed by a  XXXX   XXXX . There is not and never has been a  XXXX   XXXX  at this number. I have received monthly calls from multiple debt  collectors, and feel very harassed by this. Not one debt collector will divulge the originator of this harassment. I do not feel that these debt collectors are using due diligence when they continue to co ntact persons not affiliated with the debtor.
MAS telephoned a neighbor of mine regarding an old medical debt that my daughter has. It is not even my debt. I believe this is completely illegal. The representative from MAS was a XXXX XXXX.
Mrs XXXX at Island Finance frequently attempts to contact me at work after Ive told her on many occasions for months now that Im neither able to attend her calls during business hours and that my employer prohibits personal calls while on duty. Ive been clear that all communications must be made through my personal phone number and voicemail but she still insists on contacting me at work in spite of my requests. This practice is jeopardizing my employment and may in the end impact my ability to pay back my loan.
I was initially notified of AFNI, Inc., had placed collections on my credit report via credit monitoring. On XX/XX/XXXX, I contacted AFNI, Inc., to discuss and the collection notice and they asked if I had documentation to dispute what XXXX XXXX XXXX XXXX submitted. I provided this information via email and received a response they would investigate and respond in writing. I also contacted the credit bureaus to dispute the debt. <P/>On XX/XX/XXXX, I received a letter from AFNI , Inc., dated XX/XX/XXXX for a collection notice. On XX/XX/XXXX, I contacted AFNI, Inc., as to the purpose, since Id provided them documentation XX/XX/XXXX via email, and the response was that they have 45 days to investigate and are currently awaiting XXXX XXXX XXXX XXXX decision. They also indicated they would do a courtesy deletion until the investigation is over. <P/>I am providing documentation to support my assertion and would appreciate resolution with this matter. XXXX XXXX XXXX XXXX should not be able to continuously try to collect on a debt that was settled in XX/XX/XXXX. I cancelled my phone service in early XX/XX/XXXX, and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available. <P/>Complaint against AFNI , Inc., a third party collection agency that has filed false claims with the credit bureaus and not properly notifying me of collection notice prior to reporting to credit bureaus.
I have a medical bill that was supposed to be paid by the VA from 4 years ago. I received two threatening phone calls within 1 minute from Profit Services Group ( XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ). I explained to the extremely rude woman that the VA was supposed to take care of that bill and that I would contact them again to find out why it was n't paid. She told me that it was too late and that I better have it paid by Friday or I was not going to like the end result and she hung up on me.
Around XXXX of 2005 I applied and received a Home Equity Line of Credit with XXXX XXXX. I started making my payments and was paying a little more than the required amount. Shortly thereafter, I received a statement from Specialized Loan Service ( SLS ) dated on the XXXX of the month with a due date of the same XXXX of the same month. It has been a nightmare since then. I started receiving statements with fees, codes, and my payments going to unapplied funds, I have no idea what they are or what they are for. I tried to contact SLS several times attempting to get clarification an to have the issue resolved with no luck. When I called I would explain the problem get transferred several times, get cut-off/hung-up and some were just downright rude. When I wrote I got no reply or a letter stating " we found no error ''. This became tiresome and frustrating. I continued to send my payments, each one with a Post Office COM and they continue to go to unapplied fund. On several occasions they threatened to take action. As crazy as it sounds, I was so frustrated, I thought I might be able to get answers then. Earlier this year I discovered that SLS was not the owner of the loan. I knew that I needed to get this issue resolved before the loan became due in order to have it settled with the correct balance. I called SLS to get the contact information for the Lien holder. My first XXXX calls I was told they did n't know who owns the lien and that they do n't have access to that information. I thought that was strange. On my XXXX attempt the gentleman advised that I write in to request the contact info. I wrote to SLS informing them that the account is been disputed and requested the lien holder 's info. They then sent me a statement adding another {$3600.00} to the already disputed balance. I just learn about CFPB and hope that it will help me to put some closure to this nightmare.
I have sent full amounts to Chapman Financial Services couple months ago for past due collection and they refuse to apply it to the debt amount balance.
This complaint is a restatement of the fact that Ocwen Financial Mortgage refused to acknowledge any court documentation, subpoenas or correspondence from their lawyers XXXX XXXX XXXX to my lawyers XXXX XXXX and XXXX XXXX of XXXX, Ohio. All of these legal forms were submitted from attorneys with loan numbers and the XXXX County Court of Common Pleas seal at XXXX.
Ocwen assigned XXXX XXXX of the Florida location who demonstrated no interest to the correspondence from CPFB and closed the case with a letter stating there was no lawsuit against me. The paper work indicated that XXXX XXXX XXXX owned by XXXX XXXX  had assumed mortgage assumption and refused to pay the bank for the property. I presented the contract and I was sued by Ocwen.
Finally, I was responsible for the legal fees, the homeowners insurance, the utilities and up keep of the property as this suit remained in court for almost two years. I have records of the amount of monies that I spent at XXXX XXXX XXXX XXXX, Ohio parcel # XXXX.
Conns is repeatedly calling from different numbers and have called 7 times today alone, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX the bill is only 4 days late and will be paid tonight but they are harassing us over 4 days.
Experian is reporting specific information on my report that is wrong. I have notified them of these items and they have not resolved or corrected any of them. Under the negative items, the XXXX XXXX they are repeating does n't or belong to me and is a fraudulent account. I need this removed from my credit file. Under the accounts section they are reporting a XXXX XXXX XXXX XXXX card card as closed when in fact it is open and being paid on time. I have notified the, of this error for now numerous months and the fraudulent account for over two years now. Then they have several inquiries I did not authorize and would like removed.
On XX/XX/2018 I visited XXXX XXXX XXXX, XXXX for an in office procedure. I used no insurance and signed paperwork that all debts were paid in the office at the time of the procedure. The agreed price was {$180.00}. This was paid in person at the time. There was no later billing option, the price was established, paid in full at the time of the procedure, a receipt given, paperwork signed that all debts were to be paid at that time ( unless insurance was involved ), and the office billing person confirmed in person that everything was paid and nothing new would be charged. 

About a month later XXXX XXXX XXXX sent a bill for the procedure for which I had already paid. I attempted calling XXXX XXXX XXXX but were only able to leave a voicemail. To to best of my knowledge, no response from them was received. I continued to try to call, but only was able to get to voicemail, there was no person to whom to speak. 

The debt was then " assigned '' to Merchants & Professional Collection Bureau who attempted to collect on this falsified debt. We contact MPCB and explained that the debt was false and submitted a dispute to XXXX XXXX XXXX who provided the original paperwork that stated that all debt was to be paid at the time of the visit, along with a bill for the service again. MPCB decided that even though the paperwork showed that we were not a customer at the time of the latter, false bill, and had no debt to XXXX XXXX XXXX, refused to clear the debt. 

We called today to MPCB to discuss why they were continuing to pursue a bill now that they were aware that it was fraudulent and they hung up on us and provided no recourse for their pursuance of a debt that they knew did not exist. Even though XXXX XXXX XXXX provided no supporting documentation as to the debt attempting to be collected, and even though they had provided paperwork showing no debt could exist!
I disputed a collections account from XXXX XXXX with Transunion on XXXX XXXX 2017 because I have never received any correspondence from this company, the account just appeared on my credit report. The dispute still shows open as of today. 3 weeks ago the account was deleted from my credit report only to be added again 1 week later. I have still not received anything in writing from this creditor.
I have contacted Navient several times to have a lower monthly payment. However, the best option the offer me is the one I have to do every year depends on how much money I am making. The difficult part is that they do n't understand that you have other bills to pay and it might look that you are getting pay a lot but after taxes and everything you dont get anything. I have explained them that I have a car, a mortgage, and other regular bills and that the amount I have right now it is too high for me, at the end of the month I am struggling with no money. The should have into consideration other expenses that the student may counter, the same way when you are trying to apply for a loan or mortgage they see all the expenses that you have and they will only approve you a certain amount of money.
On  XXXX   XXXX ,  XXXX , I owned a property located at  XXXX   XXXX   XXXX   XXXX , NJ  XXXX .    Wells Fargo  claimed they completed a sheriff sale in  XXXX  of  XXXX , while I was still living in the home and while I was on a modification arrangement with the m. Wells Fargo  used dual tracking to foreclose on the home through an Attorney  XXXX ,  XXXX  and  XXXX  whom I sent payments to that were cashed by the law firm tha t Wells Fargo  had hired.  XXXX   XXXX  and  XXXX  were admonished in  XXXX , however they still collected payments from me through  XXXX , while i was still the owner of the property.    Wells Fargo  never confirmed a sherriff sale. On  XXXX   XXXX ,  XXXX  I contacte d Wells Fargo  who confirmed that I am eligible to do a short sale, the short sale documents were sent to  Wells Fargo and  were excepted by them. On  XXXX   XXXX ,  XXXX , the deed was filed 3 years later by the firm of  XXXX   XXXX   XXXX  who were NOT the original attorneys on the file. Also the Indenture date of the  Sherriffs Sale  is 5 days before the actual sale.    Wells Fargo h as clearly committed several frauds. I am requesting a full investigation into this matter prior to me hiring outside counsel.
I opened a proper dispute with Equifax to dispute there is no such judgment of record for # XXXX or XXXX from this court for this date for this amount from this creditor. I have documentation from the XXXX XXXX XXXX XXXX that supports my dispute of these erroneous entries on my report.