WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  REFUSE TO UPDATE THE PAID ACCOUNT AS PAID EVEN WITH PROOF We have opened your Account Dispute The dispute for the account with XXXX/XXXX XXXX that starts with XXXX has been received and should be completed by XX/XX/XXXX. We will process the items that you questioned with the furnisher of the information or vendor that collected the information from a public record. Youll receive an alert when updates are available and when your full results of your dispute are ready to view. 

Alert Details Alert Date XX/XX/XXXX Source XXXX Date Submitted XX/XX/XXXX Estimated Resolution Date XX/XX/XXXX Report Number XXXX Account Number XXXX Company XXXX/XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX Monthly Payment - Past Due Amount {$0.00} Highest Balance - Terms 6 Months Responsibility Individual Your Statement - Comments Transferred to another lender or claim purchased Contact Information XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX30 XXXX 60 XXXX 90 XXXX FP XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FP XXXX On Time 120 120+ Days Late 30 30 Days Late FP Failed to Pay 60 60 Days Late N Negative 90 90 Days Late Data Unavailable
I have numerous times requested my PMI to be removed. The company continues to state my LTV must be under 78 % from the origination appraisal. The company has never been able to supply me with the origination appraisal, yet they state the amount is {$130000.00}. I have a current UPB of {$100000.00} as of my last payment made on XX/XX/2018. Through every calculation I have found to determine the Loan to Value, including the XXXX XXXX  website directly, this shows my LTV at 74.6  %, which is well below the 78 % requirement.
My Td bank debit card was charged for Unauthorized items. 

{$22.00} on XX/XX/XXXX XXXX  {$130.00} {$210.00}. On XX/XX/XXXX. XXXX
This agency is currently reporting a debit on my credit report without proper licensing and documentation. I have written multiple letters directly to XXXX XXXX staying that I was unaware of the debt. I was not properly notified before the accounts were sent to collections. It also states in the letter that the information reported is incorrect please validate the debt and stop reporting until the debt is validated by myself/ please delete due to inaccuracy of reporting. Instead of deleting the accounts from my credit report due to incorrect reporting information and no proper notification of debt. They decided to update the incorrect information that was being disputed at the time. 

The state of Texas also requires a license or surety bond for debt collection purposes. National Credit Sysyems is currently collecting on credit report in the amounts of {$140.00} and {$500.00}. The address reported on my credit report is XXXX. XXXX XXXX XXXX, Ga. This company and address is currently not registered to collect from this address in the state of Texas. I would like these accounts to be removed from my credit report.
I received a Pay Day loan of {$550.00} and could not pay on due date so I started to pay little at a time until I was left only with {$180.00}, on XXXX XXXX 2016, Advance America deposit my check withdrawing from my account {$550.00}, I immediately went to the office of Advance America and they told me that 's the way they do business. Question, is this legal procedures? I was planning to take care of the {$180.00} the end of the month.
I requested that this company validate the debt that was sent to me and proof that they were licensed to collect this debt. This company did not fully validate the debt and they are not and they are not licensed to operate in my state.
I have been in contact with Discover since XXXX when a card was fraudulently opened under my name in which case i was not notified until the card had been charged up well over its limit. I was very upset that i was never notified about the opening of this card. My information was compromised and a card was sent to an address I have never been associated with. Upon asking Discover for a validation of debt and proof of how this account was opened and WHY it was sent to an address that I have no association with, the answers I got were appalling. I received several statements, the first which had my address on the front, and all of the statements behind it were addressed to the unknown address THEN CHANGED EVERY SINGLE STATEMENT TO REFLECT MY ADDRESS!!!! They manipulated the paperwork to reflect my address how is this not illegal!!!!!! Every single time I ask for answers as to why the card was sent to that address, I get the same response. This time, as of XX/XX/XXXX, after i spoke with a " Credit Bureau XXXX '' who claimed they would call me back regarding this information, but never called. The newest letter reads " A review of our records indicates that you are responsible for the balance on the account. We have responded to your previous debt validation responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Our position on the matter remains unchanged. '' This is after I was told i would get a call back to discuss the matter, and never did. Now, the mistake on my behalf, I paid a few months on this card because I was going to be denied a government job as a XXXX agent in an airport and could n't have more than a certain amount of outstanding debt. I paid in order to get myself out of a financial crisis and into a better job to support my family. I was a newly college graduate and scared and desperate I did n't know what else to do without losing the position I worked so hard to get. Prior to this arrangement, Discover will have notations of me calling very disgruntled that they would allow someone to use my personal information. I also had a situation at the same time where an account was opened with XXXX XXXX however, I was lucky enough to get that rectified and removed. I am so frustrated, I can not get any answers from Discover whether i call them or not and I have reached a dead end with the bureaus. Transunion has removed it however, XXXX and XXXX are refusing to investigate further. As I began to do my research I started saving all of the letters and information I was sending as proof. Please help me with this matter and what I can do to get my credit back so I can move on with my life in peace. I am always on time with my credit and payments and have been working on establishing my credit since high school for it all to be taken from me in the blink of an eye. XXXX ADDITION I NEVER HAD THIS CARD IN MY POSSESSION IT WAS NEVER EVEN SENT TO MY ADDRESS WHEN THE ACCOUNT WAS OPENED!!!!! ***
I do not owe this " security '' company, XXXX, anything. Our service contract with them ended many years ago. They have failed to submit any paperwork to me to back up their claim that I owe them anything, after numerous requests, because there is none. Re quests to speak with management are declined. They just keep sending this off to different collection agencies, to whom I am sick of reiterating these facts. Then they just sell it to another company, hoping I guess, that i will just give into their extortion. 

They have now fraudulently placed a collection notice on my credit report. How can they do this? I have contacted the FTC, Department of consumer affairs, and next will be the State Attorney General 's office. I also believe I may take this to small claims court, and am considering joining a class action suit.
Specialized Loan Servicing ( SLS ) services my mortgage which is owned by XXXX. I had a temporary interruption of my income ( lost my job ) in XX/XX/2018 which rendered me unable to make my mortgage payment in XX/XX/2018 to SLS. On XX/XX/2018 I submitted a request for mortgage relief ( RMA ) to SLS, requesting that the missed payments be added to my loan principal and that my account to be re-aged in anticipation of regaining the lost income ( which I have now ). Subsequently, I received from SLS a notice of default and their intention to foreclose. SLS requested additional documentation, beyond that which was submitted with the original application, from me which I submitted per their instructions on XX/XX/2018 and XX/XX/2018. On XX/XX/2018 I received a notice from SLS admitting that they had not evaluated my application claiming they did not receive the documentation I provided. On XX/XX/2018 I requested escalation and reconsideration of my application from the Customer Care Manager ( XXXX XXXX ) ; to date I have received no response. On XX/XX/2018 I requested escalation and reconsideration of my application from the Vice President Customer Experience and Executive Services ( XXXX XXXX ) ; to date I have received no response. Finally, On XX/XX/2018 I requested escalation and reconsideration of my application from the Chief Operating Officer ( XXXX XXXX ) ; to date I have received no response. I assume that they are still in process of foreclosing on my property. We would like to stay in our house and have been attempting to negotiate with SLS in good faith in order to resolve our situation, but they have not responded in kind. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Paypal withdraw {$410.00} in XXXX XXXX 2016 to pay for a computer that have purchase in Ebay but here is the problem ... computer was bad so i return the computer back to the seller so the seller suppose to send me a refund but intead the seller send the computer back to me again but i do n't want it so i send it back to the seller the second time for a refund ... now the seller got the computer back again but this time the seller have my money and my computer and i have nothing ... so i complaint to PayPal and they told me that there is nothing they can do about it ... so i losing {$410.00} plus the computer ... paypal is the only one that have access to the seller account and can get my money back ... in another word the took the money from me and the have to put it back in my account ... ( note : Paypal have the tracking number of proof seller receiving the computer back )
I 'm am a XXXX veteran, My home was foreclosed XXXX XXXX, XXXX. I have the copy of the Deed Under Power of Sale. Recorded in XXXX XXXX, page XXXX of the XXXX County, XXXX, deed records. 
The address to this property is : XXXX XXXX XXXX, XXXX, XXXX. XXXX. This trade line should have been deleted XXXX XXXX from my credit reports. I been inform that this trade line will remain on all XXXX credit reports until XXXX XXXX. The company 's name is : Select Portfolio Servicing Inc. XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. 
Select Portfolio Servicing has falsified documents, stating that I had paid them after the home was sold XXXX XXXX, XXXX. The original creditor : XXXX XXXX. Subsequent creditor : XXXX XXXX. This Loan was a predatory loan.
I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.
I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit.
Scottrade : On page XXXX of the attached draft letter, my son warned your compliance and security department that you were storing security questions in plain text and allowing them to be transmitted via plain text as well. 

I am writing today, considering the recent Scottrade data breach to seek clarification of what items were encrypted and what items were stored in plain text. 

For example, in Scottrade 's notice to security breach victims, Scottrade advised clients to take appropriate security measures such as changing passwords, however, there is no recommendation on changing secondary security questions. 

Because the secondary security questions were stored in plain text, I assume they have been breached, thus, I am curious as to why Scottrade has failed to advise customers to change these questions as well as take additional action such as getting a new account number.
On XX/XX/XXXX we closed on our home after much frustration with the lending agent, XXXX XXXX who is with the company XXXX XXXX. The house was built in XX/XX/XXXX and needed to be brought up to code with the mechanical aspects ( Electrical, Plumbing and HVAC ). We asked for a XXXX loan but was told we could do a Conventional Rehabilitation Loan. Prior to closing we were told that we needed to provide the monies for the contingency reserve as well as the monies for closing. This money was self-funded by us. It was stated that the monies in the contingency reserve would be returned to us after the work for the renovations, outlined in the contract, were completed. However now that the renovations outlined in the contract have been completed we are not receiving the self-funded contingency reserve monies back. We received documentation, to be signed, stating that the monies would be applied to the principal mortgage. This was not our understanding nor the understanding of our Real Estate Agent. When asked for the paperwork to review that showed that we didn't provide the contingency monies, it was not provided to us. XXXX XXXX at XXXX XXXX then stated that they would now leave out the contingency reserve and that we could get that back from XXXX. Our loan was sold to XXXX two months after we closed. After asking again for the paperwork to review that shows that we didn't put down the money for the contingency reserve, we still have not received it. This money amounts to almost 6K. We feel that this is a dishonest and misleading practice. XXXX XXXX required us to put these monies in reserve. We have reached out to our Real Estate Agent and they are very unhappy with how we have been treated in this whole process. They are currently looking for the closing agreement to show that we did self fund the monies for the contingency reserve. We wanted to start this process of complaint as we feel that they are not intending to return the monies we funded for the contingency reserve. Dishonest business practices like these can not go unnoticed and no one should have to go through this.
I make multiple attempts to reduce my monthly payment. Do to my current income and living expenses I 've been forced to put my loans into forbearance which subsequently accrues interest.
I recently received a copy of my credit report and I noticed that theres an account with collections on my report. I sent a certified letter to the collections agency asking for debt validation in XXXX 2017 I have not received a response from the agency and again i sent another letter asking for debt validation since I have no knowledge of this account or what it could possibly be for or from. I tried reaching out via phone with no success and this negative account is damaging my credit
My home mortgage has been with Roundpoint Mortgage. 

In XX/XX/XXXX, I paid {$270000.00} in addition to my monthly payment. That brought my loan to a total of just over {$2000.00}. 

Roundpoint turned off my autopayment without notifying me. They called to say I was late on my XXXX payment. This was a surprise. I requested the payoff letter. Roundpoint provided the  payoff letter. I then completed payment of the remaining balance for {$2100.00} per the payoff letter instructions ( removing the XX/XX/XXXX late fee amount per the customer service rep 's instruction - as she entered a request for it to be waived on XX/XX/XXXX ), going directly to XXXX XXXX XXXX to complete the transaction on XX/XX/XXXX. 

Roundpoint Mortgage continued to call, stating that I was delinquent in payment from XX/XX/XXXX. I then submitted to Roundpoint the transaction receipt from XXXX XXXX XXXX as payoff proof and requested that Roundpoint research this matter on XX/XX/XXXX to the email account that one of their customer service agents suggested. Roundpoint Mortgage sent an automatic receipt of reply, and they also sent a paper letter stating that they were reviewing this. 

To my ongoing surprise, Roundpoint continues to call me multiple times per week stating that I am delinquent in payments from XX/XX/XXXX. I received a letter dated XX/XX/XXXX that I am in default in the amount of {$4700.00}, which is greater than my remaining balance prior to payoff. 

Today I spoke with customer service at Roundpoint Mortgage. The agent was very helpful. He found my previous correspondence along with the payoff receipt, and apologized for the issue ( it is unclear why research was dropped ). He said he will work with accounting to locate the wired funds and reconcile payment for the remaining balance. He said he would follow up with me on this accounting issue. 

My concern is that I have spoken with multiple agents at Roundpoint Mortgage, the ball has been dropped more than once, and my credit is being threatened. 

I would like Roundpoint Mortgage to show that they have not inaccurately reported delinquent payments against my credit. 

Thank you for any help you can provide in this matter
I have sent 2 letters by certified mail, return receipt to Transunion. The first letter was dated XX/XX/XXXX return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Transunion received and accepted my letter through registered mail dated XX/XX/XXXX. To date I have not received a response. A second letter sent datedXX/XX/XXXXreturn receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB was received and accepted by Transunion datedXX/XX/XXXX. To date I have not received a response.
This complaint is about Coinbase. On XXXX XXXX XXXX XXXX I initiated a transaction to buy bitcoin. Total amount was {$7500.00}. 
This amount was withdrawn from my bank on XXXX XXXX. But this transaction is still pending as of XXXX XXXX and bitcoin has not been deposited yet. 

I have contacted customer service several times and no response yet. Due to lack of response for CS I am wary of doing any transactions with Coinbase. If a transaction gets stuck there is practically no recourse with this company. This means that all my money from in the account is stuck. 

Customer Support Case id is XXXX.
XXXX XXXX I sent to all XXXX bureaus FTC affidavits and notarized form of identity theft, and the bureaus in response sent letters and the information along to all the questionable things on my report. Contrary to the law, capital one has instead of blocking their reports, went ahead and now sold the information to a credit collections agency when it is illegal to sell information reported as fraudulent particularly when an investigation is pending. I want this information properly blocked and removed from my reports.
There are XXXX accounts still showing on my credit report as negative impacting items that should not be there, as the date opened is more than 7 years old, which is longer than the allowed period for a negative item to be reflected in accordance to the law. I have disputed the credit items with experian and will attach the documentation as needed. I request for them to be removed, as they should no longer show on my credit report. XXXX item is from XXXX XXXX and another XXXX is from XXXX
XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX/WalMart. The account was not opened however the application yielded a fraudulent related inquiry on his XXXX credit report XX/XX/XXXX and XX/XX/XXXX. An official dispute of this inquiry was sent to XXXX/WalMArt XX/XX/XXXX via their fraud department fax number however as of this date they have failed to remove the fraudulent information from the credit report, which is a violation of the FCRA.
XXXX XXXX ran two Hard Inquiries on my credit report ( XXXX ) XX/XX/XXXX and XX/XX/XXXX. First of all, I did not apply for a personal loan within those dates and most importantly i did not authorize nor sign off on a Credit application for a hard inquiry.
The document XXXX XXXX has uploaded is NOT VALID. I have mailed XXXX XXXX  a copy of my correspondence that they should have received in 2016 along with recent identity theft report made with the FTC as well a copy of my LEASE amendment that was signed and dated in XX/XX/XXXX 2016 along with a summary billing statement that I received upon request from XXXX XXXX. My utility company at that TIME when I RESIDED IN NEW YORK STATE. I DID NOT EVEN LIVE IN THE STATE OF ALABAMA. The signature on said document does not even match the signature on my LEASE. HENCE, the reason its called IDENTITY THEFT. My RELATIVE had another Photo ID, birth certificate AND social with MY name on it. HER ACTUAL license has been suspended for YEARS hence the reason why she probably had to steal my entire identity just to get a vehicle and auto insurance and gas and cable. I will be consulting a lawyer on this matter should this information wrongfully remain on my credit report. By all means feel free to contact the apartment complex management office AND utility company to verify the documents presented. For all I know she has an employee at XXXX and at the dealership who worked with her to cook up this fabricated MESS
After multiple attempts through the credit bureaus ( XXXX  and XXXX  ) and through the company Omni Financial I have been unable to come up with a resolution to my issue. Omni Financial is reporting inaccurate information on my credit files ( XXXX  and XXXX  ). As seen in the provided documents the account number as well as the balence owed and the last payment are all inaccurate and is yet to be verified. This trade line needs to be completely removed for the multiple inaccuracies.
Do not owe Credit collection Services a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations. They can not validate with my signature that I have a contract with them or anyone else for that matter. I sent a certified letter asking for validation and they can not provide it!
I have tried reaching out to this company regarding debt that they say I allegedly owe to Credit Collection Service several times via postal mail and have yet to receive a response. I would like this removed from all major credit bureaus immediately.