WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern : This is my second request to your company about some late payments from XXXX to XXXX. 
I would greatly appreciate if you could make a goodwill adjustment these late payments are affecting my life, I'm a trying to pursue a career in business which would be a more financial rewarding career, as you may know these late payment with XXXX XXXX XXXX XXXX are negatively affecting my credit score and my good name. 
I'm also trying to get a mortgage, and because of these negative masks i'm unable to obtain. 
I have been on time and have enroll in auto pay to prevent this from happening again. 
In light of my renewed focus and demonstrated commitment to rebuilding my trust with your company, I am requesting that you give me a second chance at a positive credit rating by revising the late payments as reported on my three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope XXXX XXXX XXXX XXXX believes in their customers and i humbly request your consideration to allow me to pursue the career of my dreams.I appreciate your time and look forward to receiving a favorable decision from you department soon. 

Regards, XXXX XXXX XXXX
I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XX/XX/2017, since then the battery has died on the vehicle 3 times already. I have had the battery checked and the battery cells are fine. So on Monday XX/XX/2017 I called and spoke with XXXX who stated that it sounds like the alternator is going out and that they can finance the repairs which will be in addition to the {$380.00} I already pay a month!!!!! That is totally unacceptable seeing that I just paid to register my vehicle XX/XX/2017! I would not recommend this lot to anyone. I have to choose between paying my truck note or paying for repairs which I can not do every 2 weeks! Let a long can I afford either missing work or being late to work especially when I am making my payments consistently on time! 

After going back and for trying to figure out what was wrong, being told by the delearship and others who had tested both my alternator and battery that stated there was absolutely nothing wrong with my alternator and allowing XXXX XXXX to replace the 2-3 batteries that they replaced I was tired and over the whole situation and allowed them to have the truck back after 11 months of XXXX ... .So before they picked it up the manager over XXXX called and tried to rectify the situation by saying.. '' Mrs. XXXX as I understand you are a highly valued customer with a great payment history and we want to try and help you ''. Yes of course they want to help after they are not going to receive another payment. However at that time I was able to obtain a more reliable vehicle from a lot I know for an absolute fact will get the job done. 

I am upset at the fact that after paying on time for 11 consecutive months I have a repossession on my credit that I totally disagree with. Not to mention the text messages from 'XXXX  '' after they had already had the vehicle to try and prove a point to say it was nothing but the alternator after so many times of me either missing work or going later for an alternator their shop said was fine. 

I would like the repossession that is being reported moved off of all my credit buerau reports that it is being reported to.
Company placed trade lines of {$3600.00} and {$130.00}, i have requested proof of debt and company has procrastinated with a request of an account number, which I do not have because it is not my debt.
On XXXX XXXX I called Navient to get my XXXX XXXX payment drafted out of my account on XXXX XXXX because that is when I got paid. On XXXX XXXX they tried to draft my account and left me with a {$32.00} Non-sufficient Funds fee. I called them and let them know what happen and one of the reps name XXXX said that she can either refund the money or skip XX/XX/XXXX 's payment. I chose to skip XX/XX/XXXX 's payment. So, on XXXX XXXX {$50.00} came out for the XXXX XXXX payment which was fine. So, on XXXX XXXX I received a letter from Navient stating that a payment for the {$50.00} would come out XXXX XXXX. I called Navient again and explained to them that I am now receiving a letter stating that in XX/XX/XXXX a payment would be coming out XXXX XXXX instead of XXXX XXXX. They said everything is OK on their end, and that my payments will come out on XXXX XXXX. All of a sudden Sunday Morning XXXX XXXX I look into my account and see that my account was overdrawn the {$32.00} Non-sufficient Funds fee again. They tried to take another {$50.00} dollars out on XXXX XXXX. So, I called and Spoke with a representative by the mane of XXXX XXXX, I explained to him what happen and he told me that he does not see where a payment came back to them, I told him I would email you proof that Navient drafted my account for XXXX 's Payment after I was told by XXXX that they were skipping XX/XX/XXXX payment. I email him the same day : XXXXXXXXXXXX and gave him my bank statement showing proof what I Navient did. And also, when I was explaining to them what happened from the beginning, XXXX act like there was nothing in the notes from when I spoke with XXXX from the beginning. No one looked at the notes to see what was going on. He just went back in forth with me about what he did not see. So, I emailed him Monday and called him back Monday to see if he received my email. I was told by a rep that he would call me back with in an hour on Monday, XXXX the XXXX. XXXX never returned my email or call. It is now Thursday and XXXX has not interacted with via email or phone. 

THE ATTACHMENTS THAT YOU SEE ON PRODUCT INFORMATION ARE SHOWING WHEN THE TOOK ON THE XXXX XXXX PAYMENT XXXX XXXX AND THEN THEY TURNED BACK AROUND AND TRIED TO TAKE OUT ANOTHER PAYMENT ON XX/XX/XXXX-THE ( XXXX CHECK ) SHOWS THAT NAVIENT TAKES THE {$50.00} OUT EACH MONTH. THE WEIRD PART ABOUT IT THAT IF YOU LOOK AT MY NAVIENT ACCOUNT IT SHOWS THAT THEY TOOK OUT A PAYMENT ON XXXX XXXX BUT I DID'NT PAY ANYTHING XXXX XXXX, WHEN THEY TOOK A PAYMENT OUT XXXX XXXX THAT PAID XXXX XXXX. THEY BILLING SYSTEM IS FISHY TO ME, AND SOMEONE NEEDS TO DO AN INVESTIGATION NAVIENT. THEY ARE BEING SUED OR HAVE BEEN SUED AND HAVE MULTIPLE COMPLAINTS FROM THESE PEOPLE. 

I HAVE ATTACHED THE COMPLAINTS FROM OTHER CONSUMERS AND A SNAP SHOT OF WHEN I PAID THEM AND HOW IT SHOWS THAT I PAID THE XXXX XXXX. I PAID THEM XXXX XXXX FOR XXXX XXXX, BUT NO PAYMENT CAME OUT FOR XXXX XXXX.
From XXXX all times of day into evening, going on for months, did not leave messages till this week. Said they are national enterprise a debt collector. You must call back etc. We do not owe anyone. 
Please advise
In XX/XX/XXXX I received a letter from Portfolio Recovery trying to collect an alleged debt of XXXX that is not mine. I called inmediately to the phone number provided to inform that there was an error because that debt was not mine. I talked to an operator named XXXX and gave me the address to write to the dispute department. I inmediately disputed the alleged debt and they send the evidence they have that consisted of some copies of statements that are not mine. The statement is from a person named XXXX XXXX who lives in XXXX, Florida. I have always live in XXXX XXXX and my full name is XXXX XXXX XXXX XXXX. I called and wrote Portfolio Recovery disputing the debt and they refused to accept the information given, after receiving various letters and unwanted phone calls I decided to send them a certified letter telling me to stop writing and calling me. After I sent that certified letter in XX/XX/XXXX, Portfolio Recovery in reprisal notified credit companies in XX/XX/XXXX that I had a alleged debt which is not true and affected my credit score from XXXX went to XXXX. I want this information to be removed from my credit report because this alleged debt is not mine. The information given by this company is inaccurate and false.
The Facts Are : 1. I vacated my apartment at the end of XX/XX/XXXX after giving enough written notice. 

2. I received a bill for the alleged damages in the amount of {$1400.00} ( {$1700.00} minus my security deposit of {$300.00} ) in XX/XX/XXXX, in a letter dated XX/XX/XXXX. 

3. I objected the bill in writing by sending a registered letter on XX/XX/XXXX. 

4. I did not hear about my written objection at all.

5. In XX/XX/XXXX I received a collection letter from I.Q. Data International Inc. ( dated XX/XX/XXXX ) for the amount of {$1500.00} ( {$1400.00} + {$59.00} interest )
Midland Funding has taking me to court and continuously updated my credit with negative information. I have sent them 2 letters asking them to validate this debt in which they have not sent the information requested. I have spoken to them on the phone, in which I have the recording, asking them to validate this debt with a signature showing I have a contractual agreement with them and they 've responded verbally saying they do n't have that informatiom.
Chase is discriminatory in their lending practice. It is very distasteful that they treat United States XXXX XXXX Veteran Service Members in this matter for property purchased while on XXXX XXXX. 

For over 6 months I have tried to process an assumption loan. Chase mortgage denied my assumption package although I qualified for all of the requirements of XXXX. 

I provided Chase with every piece of information requested and the criteria for information changed or contradicted their preceding request for information. This will be my 5th complaint on the matter. 

My denial stated I had insufficient funds. ( XXXX XXXX ) After an inquiry back to Chase in XXXX XXXX thru the CFPB. I was told that the new reason my file was denied was because my documentation was too old and I did have sufficient assets. 

The recent bank statements that were provide ended the period XXXX XXXX and were submitted to Chase on XXXX XXXX XXXX. I can not provide a XXXX bank statement if the month had not ended. Furthermore, all of the reserve requirements were met at my initial application in XXXX XXXX when 1 year of bank statements, IRA, and investment account balances were presented. The additional bank statements requested and provided on XXXX XXXX were of the same account or greater when provided in XXXX XXXX. 

Chase held onto my documentation for over six months and then told me what I provided was inadequate, even with providing documentation for the prior month. 

All of the calls at Chase are recorded, so you can hear what instructions were given to me. I have spoken to the same representative from Chase, XXXX XXXX, where he told me what to provide. The final piece of proof I was told to provide additional proof of funds. And I did that. 

Now the reason for my denial has changed from insufficient assets to inadequate documents. I do n't understand how the same documents that demonstrated adequacy of funds are now not adequate.
I sent {$700.00} to XXXX XXXX XXXX on XX/XX/XXXX. They confirmed it had arrived on XX/XX/XXXX. Coinbase claims they can not find the {$700.00} and has not credited my account or sent the money back and it has been 53 days.
I have been disputing a charge off account with Transunion and XXXX  for months. I have even given them a letter from the creditor on their letter head stating what social number they have on file for this person with the same name as mine. They still are saying this doesn't meet their criteria to remove it off my report. I asked what is the criteria and the response is they can't provide it to me. 

What else can I do to get them to remove this negative item?
I went to XXXX XXXX from XXXX XXXX XXXX by XX/XX/XXXX i was employed full time at a non profit company. apparently partial amount of my loans went into repayment in XX/XX/XXXX and the rest in XX/XX/XXXX. i went on XXXX XXXX XX/XX/XXXX for which i continued to make payments regardless. around that time ( XXXX - XX/XX/XXXX ) i applied to be put on the IDR repayment plan and WITHOUT my consent/knowledge nelnet put my account in forbearance although i made normal payment that month and at the normal amount. 

in XX/XX/XXXX once again nelnet put me into forbearance WITHOUT my consent/  knowledge when i enrolled in their autodebit and they still received their normal payment at the due date. 

I transferred into a public service loan forgiveness program through XXXX in XX/XX/XXXX and my loans. After contacting nelnet I found out that WITHOUT asking/knowledge they put my account once again in forbearance when i continued to make normal payments. 

then there are a period of approximately 8 months where they say they have no record of payment BUT at the same time say there was no forbearance or deferment but refuse to answer my question as to why there would be no payments and the lack of negative reports/delinquency notes on my account. 

ALL of these issues have caused me to loose out on over 12 qualifying payments for my loan forgiveness.
In XXXX XXXX I disputed account # XXXX from creditors XXXX and XXXX XXXX in the amount of {$730.00}. Transunion completed the investigation and updated my report with the result of the account belonging to me in XXXX XXXX. I have contacted Transunion, XXXX, and XXXX XXXX concerning the details of account # XXXX and how it supposedly belongs to me. The account does not belong to me and it has plagued my credit report for several years. I spoke with Transunion 's customer service concerning the investigation process because the account does not belong to me and I have never received any billing for this account. Transunion customer service explained that they contacted the creditor through XXXX and XXXX XXXX responded that the debt belonged to me but outside of that they were unaware of any investigation or how the information allegedly belonged to me. Transunion continues to report the creditor and the negative information but there has been no reasonable investigation to confirm the account belongs to me. Between XXXX to XXXX XXXX XXXX negatively reported an account in a similar amount that did not belong to me. I had the account and XXXX XXXX removed from my credit reports but it appears that they have re-aged fraudulent debt and used a different account number in order to collect on a debt that does not belong to me. 
Transunion also reports account # XXXX from XXXX XXXX XXXX in the amount of {$900.00}. I contacted the creditor and based on my conversation with the creditor debt belongs to a male in XXXX Tn at address XXXX XXXX XXXX. The debt does not belong to me I am a single unmarried female living in Georgia. XXXX XXXX XXXX admitted that they only have partial information and the services rendered for the account belong to man. 
Transunion also reports account # XXXX from XXXX XXXX in the amount of {$1300.00}. This debt and creditor has also been regularly reporting negative information which also belongs to a resident at XXXX XXXX XXXX XXXX Tn. 
These accounts have some how been transposed to my credit but none of these accounts belong to me and no reasonable investigation has been completed by Transunion or these alleged creditors to assert that these debts belong to me. I want these creditors and debts removed from report. I would like Transunion to conduct a reasonable investigation instead of just taking the word of creditors through XXXX. My credit has suffered significantly due to the Transunion 's failure to conduct a reasonable investigation.
Actions taken by Receivables Performance violate the federal Fair Credit Reporting Act and have had negative impacts on my credit worthiness. I cancelled service with XXXX in XX/XX/2017, sent equipment back, but still received bills in large amounts with invalid billing. Issue has since been resolved with XXXX, invalid billing was credited by XXXX and I paid valid charges, attachment, proof of XXXX balance. I contacted Collection Agency, Receivables Performance, who were informed initially that this was not valid, but attempted to collect debt from me anyway and damaged my credit rating by adding to my credit report. I advised them of error, dispute and resolution with XXXX and I requested corrective actions be taken, in the form of zeroing out this balance in their systems and removing this invalid debt from all 3 of my credit reports. Receivables Performance indicated that I still owe {$700.00} and refused to remove from my credit report, despite resolution actions taken by XXXX.
Original loan in XX/XX/XXXXwith bank XXXX XXXX, sold to secondary servicers, from XX/XX/XXXX until the other servicers went under and XXXX XXXX XXXX brought all their loans. In XX/XX/XXXXXXXX sold my loan to XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX to XX/XX/XXXX.
Then Ditech XX/XX/XXXXtoXX/XX/XXXX. Now another servicer ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX currently. I have had only two modifications : one in XX/XX/XXXX and then one just recently XX/XX/XXXX. Now they have sold my loan to another servicer. One thing that I discovered when I had my last modification, was that XXXX still owned the mortgage ( ditech ). Just recently, I received a email stating that I sent a letter to request to pay my own escrow? I have never given anyone nor have I sent a letter to request to pay my own escrow. Question, why are they doing this and do I have any recourse to stop the continuous selling of my loan? Attached you will find supporting documentation.
SLS - XXXX XXXX XXXX denied recent loan modification on XX/XX/XXXX after referral from Attorney Generals office affiliated community agency. The home modification affiliated agency attempted to assist me. SLS had promised me last year and in XXXX that they would give me a modification with a lower interest rate of 2 % and balloon payment at the end, when I was struggling with work related injuries, discrimination since XXXX at work resulting in a civil case filed last month. SLS stated I owed {$190000.00} dollars and total principle is {$570000.00}. I had chapter XXXX filed. In XXXX. 
I contacted Hope program on XX/XX/XXXX after getting the loan modification denial from SLS. Hope program told me that my loan was neither generated from XXXX XXXX or XXXX XXXX and referred me to a Hud affiliated agency on XX/XX/XXXX. The Hud Agent took my income information and found a surplus of over $ XXXX monthly and was surprised I had been denied a modification by SLS. 
The Hud affiliated Agent got my permission and made a 3 way phone cal, to the SLS Representative in attempt to assist. The SLS was arrogant and would not budge and kept saying that I had an interest rate of 2 %, to which I replied no, my interest rate is currently listed as 4.75 % on all bank mortgage statements from SLS. The SLS agent then resorted to mentioning a supposedly prior modification done in XXXX which had fluctuating integrate from2 % during first year to 3 % ; to 4 % and then kept climbing. 
I told the Gentthat SLS had not been honest and led me to believe that I qualified for a loan modification after completing my Chapter XXXX plan / discharged in XXXX in a very satisfactory manner. They ( SLS ) waited and dropped the terrible news of a loan modification denial and they are sneaky about what they are actually planning to do so that time lapses. I have lived in the home for XXXX years and worked hard prior to my work related injuries and now I have a good income to cover all expenses with more than a {$1800.00} monthly surplus. I have 2 cases related to my work injuries in state court and 1 in federal court. Please help me and my family. Thank you. 
Conclusion : SLS can show their commitment to serving communities and struggling home owners by following through with their promise to modify my home. Just because I received XXXX loan modification by a different servicer, XXXX then XXXX XXXX XXXX, should not be a factor according to law. It has been more than 8 year to date. Their terms can be looked into so that they lower my interest rate to 2 %. Deceptive practices hurt communities and the very foundation of building our lives from the bottom up through hard work.k
I keep on getting calls from XXXX XXXX I dont have anything in collections and they keep on calling me.
My son went to a XXXX on XX/XX/2018. They filed my insurance for the visit and my EOB showed that I owed them {$100.00}. I never got a bill for the visit but tracked it on a spreadsheet like I do all of my bills so that I know when the visit was and how much my insurance company says I owe. I waited and waited for a bill. Finally got bill # 1 with a statement print date of XX/XX/2018 with a due date of XX/XX/2018. There was no urgency to the bill- nothing that noted that this was an attempt to collect an overdue amount or that I was 90 days past due etc. Just looked like a routine 1st bill. I had not had a chance to even write a check or attempt to make a payment when I get a letter from a collection agency dated XX/XX/2018. The letter from Transworld Systems Inc stated that it was a courtesy notice from a debt collector and I had 30 days to dispute the validity of the debt. I called the XXXX phone number about the bill on XX/XX/18. I was told that the bill dated XX/XX/18 was my 4th notice and that 3 others had already been sent. I told her that was not true and there is no way that I missed 3 bills from them. I also asked why this current bill didn't show that I was 90 days past due and that if I didn't pay that it would be handed over to debt collection. There was nothing on the bill to indicate that it was past due or near collection. She said she had no idea why and that her system shows the 4 letters were sent it and it was my problem and very rudely wanted to collect a payment. I told her I would pay her. That I had a Health Savings Account and that I worked for an XXXX XXXX and track all of my bills on a spreadsheet and I had been waiting on this bill. She still continued to stand by the fact that is was my fault and there was nothing that they did wrong.
I have reached out to this creditor several different times to request the validation of a account in which they claim I owe XXXX dollars, I ask them to provide me with copies of any documentation associated with this account bearing my signature and they have yet to provide me with this information. My first letter was sent certified mail on XX/XX/2018 and my second letter also sent certified mail was sent XX/XX/2018. By this company not validating the debt in a reasonable time frame they are in violation of the FCRA & FDCPA therefor I am requesting that the company delete the entry from all credit reporting agencies.