WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money.
I put in an insurance claim on  XXXX   XXXX  for a property I have I Virginia, due to the extent of the damage a check was issued in the amount of {$8100.00}. The check was issued in both my name and the mortgage compa ny Ocwen Loan Servicing. I paid the contractor with my own money in order to speed up as I had to send the check to Ocwen to be endorsed, I notified them that the contractor wa s paid and provided proof of doing so. I also made them aware that the check for the full amount need to be made out to me, they assured me that would be done. They then sent me a check made out to The Estate of  XXXX   XXXX , The Estate of  XXXX   XXXX  and myself. After a lot of back and forth they sent me an envelope to return the check because The Estate of  XXXX   XXXX  was no longer on the loan and there is no way the check could be deposited. It has now been an additional  4 weeks and Ocwen Loss  Draft division has not returned the check with the corrected names, I spoke to a manager on  XXXX   XXXX  and was told that the check was cut and just waiting on shipping. Called on the  XXXX  and was told that it take s 3 to 5 bus iness days to process shipping, called on the  XXXX  and was told to call back on the  XXXX  for my tracking number. Called on the  XXXX  and was told that it 's still waiting to be picked up by  XXXX  and I should call back on Tuesday  XXXX  to get my tracking number, when I called today I was told that the check was not printed because their printer is not working and there 're not sure when it going to be up and running. I feel like the are just giving me the run around and do n't want to refund my money.
Pursuant to section 611 the Credit Reporting Agency did not have completeness of record for the inquires in question. The credit agency did not have proof I initiate the inquiries, pursuant to section 609 the FCRA, the Credit Reporting Agency did not prove the procedure of their investigation. I want the items ( inquiries ) on the attached demand letter deleted immediately.
what happened is i think my bank is charging me twice for transactions. when i go online with my bank i will see transactions posted with one balance and these are supposedly cleared. but when i go on to the website i see those same transactions on a different day with another balance and even when i have had another payday.i would like to have a rundown of my account done and would like to have the bank stop moving the transactions around. i think that there is a discrepancy in their banking practices. and they could be charging us double on our line of credit also. all i know is that when this practice happens the differences in the amounts are hundreds of dollarsl.
XXXXXX/XX/XXXX is a collection agency for the XXXX XXXX and is trying to collect a debt that has been discharged through bankruptcy more than 9 years ago. In addition to the discharge on Chapter XXXX, the house was foreclosed on XX/XX/2018 completely clearing me of any debt that's owed. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to Experian and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX BANK XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$460.00} XXXX BANK Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$670.00} XXXX DEPARTMENT OF XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payment {$7300.00} XXXX XXXX XXXX Student XXXX XXXX, XXXX Closed XXXX Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}
This is a strange complaint that did n't completely fit into the categories noted. I finalized a difficult divorce on XX/XX/XXXX. As part of the divorce I agreed to pay for a {$25000.00} debt to a credit card company.
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On XX/XX/XXXX I contacted the credit card company several times. I asked about setting up a payment plan to address this debt. I also wanted to get this debt resolved as I have three pending Parent Plus loans for a set of triplets ( going to three different colleges ). The U.S. Department of Education had declined me for the loans until I could set-up a payment plan for this one company. <P/>On XX/XX/XXXX when I talked with three different representatives, they told me that they could not talk to me about a payment plan as I was at " day 159 '' and had to wait until XX/XX/XXXXwhen I was at " day 180 ''. I have no idea what this means except maybe they are going to charge me more money on " day 180 ''? My credit is damaged from this, and they will not assist me at all. I even asked for a letter on company letterhead to send to the U.S. Department of Education/Financial Aid folks - and the credit card company has refused.
<P/>I am now a single parent, and my credit is damaged and my XXXX 's college loans are being held up due to this company. I 've never heard of anything like this happening. And, I 've been a client of the company for over 20 years. <P/>I need some help as my kids college has to be funded by the end of XX/XX/XXXX. As I told the credit card company, I was much happier to be making payments to them to take care of the debt versus having to start making large college tuition payments. <P/>Please help me with this situation.
i disputed court information in my credit report with Trans Union credit Burea on XXXX/XXXX/2016 did not hear from them until XXXX/XXXX/2016 the took longer than 30days
I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and DISCOVER BANK with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
I 'm continually getting calls from an agency called XXXX collection. I 've told them repeatedly that the person they are calling for does n't live here that they have the wrong number. They assure me they will remove my number then they will call back the next day. They call very early in the morning, weekends, and it 's really causing me XXXX. A few of the representatives have been extremely rude and and insinuated that I was lying about it being a wrong number. This has been going on for almost.a year.
I have XXXX late payments reflected from XXXX bank which are in error. They were suppose to take the money out on automatic payments which they did not. This derogatory information is listed on my credit report and should not be there.
See attached letter of XXXX/XXXX/15 from me to Bank of America for more detail. On XXXX/XXXX/15 I answered an internet ad for a sample of a product that was advertised as free except for a shipping charge of {$5.00}. I provided my XXXX card number for this charge ; but, when I received the credit card monthly statement there were charges for not only {$5.00} but another charge for {$1.00}, also supposed " shipping '' as well as XXXX products charged at {$89.00} and {$85.00}, totaling {$170.00}, which total later somehow became {$230.00}. I immediately telephoned XXXX card member services, and the agent said these charges would be placed in dispute and credited to my account. The next billing statement still showed the disputed charges as {$180.00}. I called XXXX again on XXXX and was told that this amount would be credited and a check would be issued to me for {$53.00}, supposedly for an additional credit, and that the account balance was then XXXX. However, I then received a letter from Bank of America dated XXXX saying that the vendor did not agree to this and requested " documentation '' from me such as a " date you canceled with merchant, '' " their response, '' " proof, '' " date merchandise returned, '' etc. Bank also required me to sign and return their letter if I still disputed these charges, and I did so. Bank 's letter and my response were faxed to them on XXXX/XXXX/15. Then in a letter with postal date of XXXX/XXXX/15 Bank of America said that the vendor of the second item disputed the credit to my account and requested the same type of information and return of Bank 's letter by XXXX/XXXX/15 indicating whether I still disputed the second charge. I intend to do so and continue to dispute the charges, providing the same response that I provided on XXXX/XXXX/15. I have complied with XXXX/Bank of America 's requests in addition to contacting the so-called merchants about these disputed charges. Today I tried to research the merchant and could not reach their XXXX XXXX office by telephone. The person answering the number I telephoned merely transferred me to a line that provided for only a recorded message. It 's apparent to me that the so-called merchant ( s ) are merely fraudulent scam artists and that Bank of America is aiding and abetting their scam. This constitutes harassment, and I request your help to stop it.
Back in XX/XX/XXXX I applied online for a US Bank Cash+ credit card with a bonus offer of XXXX if you spend XXXX or more. This card also offered 0 % interest for an entire year. I had also received a brochure for this same credit card with the XXXX incentive and 0 % APR offer in the mail, im assuming because US Bank is the lienholder of my mortgage.

After US Bank called to verify information with me about a week later I was approved and received the card in the mail. I made the requisite purchase amounts on the card of over XXXX but had not received the funds. At the end of XX/XX/XXXX or beginning of XX/XX/XXXX, I called US Bank Credit card services to inquire about my reward as it had been well over the 6-8 week process time.

When speaking to customer service they indicated that I was not eligible for the reward even with speaking to a supervisor. The online offer did not come with exceptions and I was even given a full years worth of 0 % interest which was also a part of the offer.
Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notfications
In XXXX of 2017 XXXX XXXX sent me alert that XXXX placed XXXX  delinquent reports on my credit report. I have never been late making a payment, and my credit report shows this. As soon as I got the alert I called XXXX and set up a payment arrangement on XXXX of my student loans. I then filed a complaint with the BBB, which triggered XXXX XXXX from XXXX to call. At first he led me to believe he was going to get the XXXX negative marks taken off my credit report. I have over {$90000.00} in student loans and am a person with a XXXX who recently lost his job. In XXXX of 2017 I applied for Forbearance with XXXX and was approved. XXXX led me to believe ALL of my loans were in forbearance, however XXXX XXXX  advised me XXXX of my private loans were n't looped into that forbearance. XXXX never sent a letter, never placed a phone call, and never sent an e-mail advising me that I was delinquent. I provided them with copies of my cell phone records to prove this. XXXX XXXX in the executive offices of XXXX never followed up with me, and I had to call him on XXXX XXXX, 2017 to see what had happened. I was told when setting up the payment plan in XXXX of 2017 to write a letter to XXXX XXXX credit reporting area of the mistake and that they would fix it. They never responded to my letter. All I am asking is that XXXX correct the inaccurate reporting.
I use an app formerly known as XXXX XXXX and as of XXXX/XXXX/XXXX they have changed their name to XXXX. They are great but need my bank to send information in order for me to be able to recieve my XXXX XXXX XXXX but because chase is taking more than the few hours they were suposse to have done it by my money isnt there and i was depending on having that money.
The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXXXXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from  getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.
I had XXXX accounts through Paypal Credit. I was shocked to receive a letter the other day saying I owed some money. I had previously contacted Paypal and was told my account balance was at XXXX. I thought everything was fine. This was the FIRST letter I ever received from Paypal. I did not know I had any kind of balance. I took care of it immediately and tried to reopen my account. Now, Paypal is refusing to open my account even though this was through no fault of my own. They told me I did n't owe anything and I believed them. I asked for a Supervisor today at Paypal thinking he could straighten this out. He said he could n't. I am extremely upset because I pay my bills on time every month. I am trying to reach someone at their Corporate office that will understand. I need to get my credit line reopened. Again, I called them and was told I had a XXXX balance. I need help.
i have been a good customer here. for some time. i received a letter from them after i asked for a XXXX time good will credit. in addition to XXXX XXXX of medical bills i had a bad summer and wanted to give them the chance to help me after years of loyalty. well i call as the letter i received from citi said to call to give more info about what i need. i held on the phone only to be told i would need to be in a program in order to get help. i do not need or want that. i want loyalty something other banks have given. The message from this bank resoundingly is they do not value me. realistically i could if i chose get my debt discharged and i have not done that nor plan to.It is frustrating to waste my time. i can not use my cards from citi til things change. i should not be asked to call for no reason only for run around. Additionally i am supposed to have til XXXX to pay with no interest. that was done for me at least even though they are too greedy to help a cusotmer like me which means i will be unable to use the card again. please confirm its XXXX. not XXXX. i cant waste my time calling going nowhere fast. so disappointing we are all people life is short and the greed is so thick i could not use the card again. dont tell me to call to waste my time big deal helping me with XXXX or XXXX dollars you will not feel but would make a difference to us. i could be on food stamps right now due to my son and bills. i can pay but needed help
I was sent a letter by Lazega & Johanson, Attorneys at Law in XXXX stating that they are attempting to collect a debt on behalf of XXXX XXXX, XXXX for a debt I allegedly owe to XXXX for account number XXXX. 

I had a third party credit reporting agency contact Lazega & Johanson to obtain the account number and verify the debt. The resulting report is attached. The account at XXXX XXXX XXXX was reported to the third party credit reporting agency as Charged Off. I assume because they were not able to verify it was mine. 

The third party credit reporting agency also contacted XXXX on my behalf. XXXX was not able to produce any such account. This account does not appear on any of my three credit reports. It does not exist.
My husband is XXXX XXXX XXXX Veteran. We live in the state of Pennsylvania. We are Tax Exempt from paying Property Taxes since XX/XX/XXXX. We did a refinance several years ago with a Mortgage Company and then was bought out from another Mortgage Company. We have never had any problem with the Property Taxes being exempt for us since XX/XX/XXXX. We have been trying to get this solved with them since XX/XX/XXXX. We have forwarded them letters from the County Office of XXXX Assessment and Taxes. We have forwarded them letters from the VA XXXX Veteran Real Property Tax Exemption Certification. They have increased our mortgage payment from {$1600.00} to {$2000.00} which includes the property taxes to used from their Annual Escrow Account Statement from XX/XX/XXXX. We have been in contact with this Mortgage Company every month since XX/XX/XXXX. It is now XX/XX/XXXX and has not yet been solved. We pay our mortgage payment always on time and never late. I need help immediately regarding this matter.
Ive requested that AES/NCT stop reporting information to my credit report for accounts that I am not liable for. I have never held an account with National Collegiate Trust If NCT holds paperwork from previous loans listed below, that information should be provided, showing a complete assignment of the debt from the original creditor. 

National Collegiate bought and securitized student loans. These securitized notes were then sold to debt investors. National Collegiate then hired XXXX to pursue debtors for collecting what they considered to be outstanding debts. 

Federal laws mandate collectors to possess the documents that prove debts they want to collect are indeed owned by the people they 're pursuing. Over 2,000 collections lawsuits that were filed on behalf of the trusts were in violation of the laws. 
In these lawsuits, the trusts do not have or can not find the documentation necessary to prove either that they own the loans or that the consumer owed the debt. 

Valid affidavits must be signed by a witness with personal knowledge of the consumers account records. But such affidavits dont exist for any of these lawsuits. XXXX employees completed and notarized sworn legal documents for lawsuits brought on behalf of the trusts. 

National Collegiate also filed at least 486 collections lawsuits after the statute of limitations had expired, including one against myself in Florida and due to the judges lack of knowledge regarding the private loan process, I decided to settle with the company for {$19000.00} to end all communication and put this behind me. Although, NCT does not legally possess any debt owed by me. 

If there is a class-action lawsuit to help those negatively impacted by National Collegiate and its debt collector, XXXX XXXX, who sued thousands of students by relying on false or misleading legal documents and could n't prove that those being sued were the actual owners of the loans in dispute I would like to be included, compensated for damages, and have the following AES/NCT accounts removed from my credit report : AES/XXXX Bank account number XXXX. 
AES/NCT - account number XXXX. 
AES/NCT - account number XXXX.
I have been dealing with Experian on numerous false items on my credit report and they are refusing to complete the investigation according to the information I have given them. Each time I give them the information they ask for, I get a form letter saying " Frivolous dispute '' we will not complete, which is false. I have numerous items from XXXX on my report that are XXXX reporting as late accounts, which is false, and as public judgement s, which is also false. I contacted the Court and they told me these records are not being validated properly yet each time I get a letter from Experian, they say the investigation has resulted in the items being mine. Case in point is the name of the co-signer listed on these records. The person does not exist and the social security number does not match the name of the person listed, therefore making these records ALL false and they all should be deleted. Yet, each time I bring this to the attention of Experian, I get a form letter saying they are under NO obligation to investigate because they already did an investigation. This is complete nonsense, as they are clearly using a computer driven data drive to match only my name and information listed with a record of another person and they never investigate the co-signer information, as I told them it would clearly show these are false.
I had my credit pulled for house loan application. However the credit score was quite lower than expected especially since I use credit karma to somewhat monitor my credit. I am aware that there are going to be differences, but with XXXX and transunion ( the ones XXXX uses, the gap was over XXXX points. ) XXXX had my score at XXXX about XXXX, transunion around XXXX, the credit scores that were received my home finance were XXXX and XXXX respectively. I reviewed the reason for the " low '' score and found the reasons. 
1.derogatory public record or collection. 
I was in the hospital ( XXXX XXXX XXXX in XXXX ). After not receiving a bill I called and asked. I was informed that bill was payed and no payment due. I was surprised and queried if info was correct. I was assured that no payments are due. About 2 months later I received from a collection agency a notice that I owe about XXXX $ to XXXX. I immediately called XXXX and was told, that there were XXXX accounts for me and that they had made an error. I told them that I have now a collection agency chasing me down for their error. I called the collection service and paid the outstanding amount. That was over 5 years ago and clerical errors have kept my score low!!! 
2.length of time credit has been etablished. 
I have been living for over 20 years in the US. I have had house payments since XX/XX/XXXX, car payments since XX/XX/XXXX, electric, gas, tv, cell phone bills for over 15 years. Credit cards and what have you. How long doe they want me to have credit.?? 99 % of the time I pay my bills on time, that 1 % I missed the due date which happens to the best of us. 
3.proportion of high credit on bank revolving. 
I have about XXXX $ in outstanding credit card bills, the total max/ credit limit on my cards is way over XXXX {$.00} that means I owe 20 % of maximum credit limit, how can this be a high revolving proportion of balance. 
4. Recent inquiries. 
In our days nobody has the cash to buy house or car outright. I refinanced my home, to have lower payment and pay credit cards off, and purchased a car, 11 months ago .... I ca n't see how that is a high amount of inquiries. The reporting agencies love for us to open credit cards to see that you pay them and pay on time to show you are responsibly managing your money. But then you get punished for having an inquiry on your record/ score. 
I hope you can help me out and have the situation rectified. These agencies have so much control over ones life, it 's almost criminal. I can see where people have several collections, maxed out credit cards, unpaid bills, inquiring about credit every two weeks that the score is low, but in my case it 's absolutely not the case. 
I appreciate your help!