WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
I have had a PNC checking account for many years. I am a service member in the XXXX and have had my direct deposit with them for quite some time as well. In late 2015 I unfortunately got XXXX to serve the country in XXXX with my unit. While XXXX  there were many fraudulent transactions that occured on my checking account that brought it to a negative balance and closed it out completly. There seem to have been debit card usage and my acount number may have been compromised as well. i do remeber my last direct deposit of my job was a deposit of {$1200.00} and i was under the impression that the amount would be available once i returned back stateside after XXXX. Once I arrived stateside I was notified when I called into a local PNC branch that I no longer had a active checking account and that it was charged off for a few dollars meaning that my funds were taken as well.
I received a letter from " XXXX XXXX and XXXX XXXX '' stating that I owed {$200.00} to the health club " XXXX XXXX ''. I was a member of this club from XX/XX/XXXX - XX/XX/XXXX in XXXX XXXX, SC. In XX/XX/XXXX I cancelled my membership in accordance with the membership contract I signed in XX/XX/XXXX. The contract stipulated a year 's membership ( 12 months + a down payment ) after which the membership moved to a month-to-month basis. So after satisfying the 12 month requirement ( XX/XX/XXXX - XX/XX/XXXX ) and continuing my membership for 3 more months, I decided I did not want to be a member anymore. So after paying the month of XX/XX/XXXX in full, I notified XXXX XXXX in XXXX XXXX, SC, that I wanted to cancel my membership. 4 months later, I receive notice that I'm 4 months behind my membership dues and this " debt '' has been sent to collections, i.e. XXXX XXXX and XXXX XXXX. 

This debt being pursued is entirely false, and all attempts to resolve this with XXXX XXXX have not been effective. They have not even responded. All inquiries to the debt collection firm disputing the validity of this debt have been met with this statement, " Please be advise as per our letter XX/XX/XXXX we have directed you if there is anything else you are requesting or need to discuss you are to contact XXXX XXXX at XXXX. '' I do not deserve this so called " debt '', I dispute its entire validity. I have copies of my membership contract showing that I acted in explicit accordance with its terms. I do not deserve to have this " debt '' collections record show up on my credit report, which is otherwise stellar.
My mortgage lender of less than 5 months, Specialized Loan Servicing ( SLS ) filed a NOS on my property. They approved me for a loan modification and did not allow me the timeframe needed to complete the approval process before they filed a sale date of XXXX/XXXX/16 on my home!! The minute I told them I was working with KEEP YOUR HOME CA, they escalated their sense of urgency to foreclose on my property. I was given 3 weeks notice they are going to sell my home on XXXX/XXXX/16. They refused to postpone the sale date to allow KYHCA to process the payment to them that will reinstate my mortgage loan balance and allow me and my XXXX kids to stay in our home. THE SITUATION WAS MANUFACTURED INTENTIONALLY!!!! 
There is no reason for SLS to foreclose on my home! I experienced a brief financial hardship. the financial hardship is over. My job is strong and my income is strong. THIS IS ALL ABOUT THE GREED OF A BANK WHO IS TRYING TO CIRCUMVENT THE VERY PROCESS DESIGNED TO HELP HOMEOWNERS, ALL IN THE NAME OF GREED. 

I am approved by KEEP YOUR HOME CA and they refuse to withdraw or postpone the sale date on my home to allow KYHCA to bring the loan current This was absolutely MANUFACTURED! And CRIMINAL BETWEEN XXXX XXXX XXXX AND SPECIALIZED LOAN SERVICING! 

Only a bottom feeder purchases loans in a delinquent status. Because they smell PROFIT! My loan is owned by XXXX XXXX and there is more than {$200000.00} equity in my home. Please stop another greedy bank from profiting off the backs of a single mother and her XXXX children. This is our home of the past 17 years! 
Please contact this bank and help me and my children keep our home. 
SPECIALIZED LOAN SERVICING XXXX, CO XXXX XXXX p XXXX f XXXXXXXXXXXX Please call me anytime at XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LOAN NO XXXX
I have tried to get answers from transunion on why these inquries are coming up on my credit. i have sent multiple letters to transunion and the have not answered anything i have asked them to do.
The company has not provided proof of the debt. I have asked for a copy of the contract between the collection agency and the original account owner, a detailed contract between myself and the original owner, and a detailed print out of all payments and outstanding debt as well as proof of signature from this agency and it has not been received.
On XX/XX/18, I submitted credit dispute letter number two to Transunion Consumer Contact Department. The letter informed Transunion that I had recently submitted two debt validations letters to both XXXX   XXXX and XXXX XXXX XXXX. However, both agencies were unable to validate the debt as being mine. XXXX XXXX sent me multiple statements ; however, they failed to submitted the requested documents needed to validate the debt. I submitted documents to Transunion supporting the companies responses ; however, Transunion stated that when they disputed the credit on their end, it came back validated. I questioned Transunion as to how they were able to validate the debt and they stated the companies responded to a computer generated question, stating that the debt was validate. I then questioned Transunion as if they received supporting documents as requested in the letters that I had previously sent them and the representative responded, " no '' they had not. Transunion and the collection agencies ( XXXX XXXX and XXXX XXXX XXXX ) failed to validate that the debts is mines despite my numerous attempt. But yet, Transunion failed to remove the accounts from my credit report.
I have reached out to the bureaus in regards to this problem multiple of times about the vehicle that is not associated with, I had to recently file bankruptcy due to it, I also have documentation from the company itself stating we have no association and that they have reported to bureaus to remove the inaccuracy from my credit reports. I want this item deleted immediately I am tired of dealing with this same issues and not getting any positive result.
valer enterprises at XXXX XXXX XXXX, XXXX XXXX XXXX ny  XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying coscto had called his FIRM and retained him. I still have that tape. 

yours truly XXXX XXXX
B ank of america has said that they cancelled the repayment agreement because I was n't paying. Well here is a copy of one  of the recent payments of the {$740.00} that I have paid. And  Bank of America d id n't apply it to my balance or payments or recent transactions on my statement. It will be check number #  XXXX  for the amount of {$740.00} on   XXXX    . This is proof that I have been making the payments that was agreed on.
Equifax has re-inserted a chapter XXXX Bankruptcy and Chapter XXXX Bankruptcy on my credit file. I have previously disputed a chapter XXXX Bankruptcy and it was removed in XX/XX/2017 and then re-inserted in XX/XX/2017 along with a chapter XXXX Bankruptcy. Equifax is reporting they received this information from XXXX which is not true. I have my XXXX report dated XX/XX/2017 and their is no Public Record on my risk view report. This information is inaccurate and is stopping me from getting a mortgage loan. I have requested validation with my original signature on documents but Equifax has failed to provide me. These XXXX items needs to be removed.
Wells Fargo Bank charged XXXX insufficient fee on a checking account when money was in the account to cover the XXXX transaction. At the end of the day customers account was in the positive and was thrown into the negative with a transaction that posted the night at close. They also received a deposit on the XX/XX/2015, allowed customer access to it the money which kept account positive. Then stated that there was not money in the account.
For the past 2 years, I have been attempting to get the full details of any Student Loans and my taxes have been seized due to a frivolous loan statement that is sent when I request for full documented information concerning me trying to borrow money for a Student Loan ( s ). I have requested a full detailed paper trail of the loan, the schools my full signature on any and all paperwork and XXXX and NAVIENT both failed in providing the accurate description. I feel now that I must file for a hearing to deal with this problem.
XXXX XXXX has a accounts an my credit report on my Equifax that should not be there. Account number XXXX showing an opening date of XX/XX/2016 I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this fraud information removed from my report
Account # XXXX - XXXX Equifax is reporting my XXXX account as 30 days late for XXXX & XXXX of 2016. I have contacted XXXX and they confirmed that the account was NOT 30 days late XXXX & XXXX of 2016. They advised it was the credit bureau reporting it in this manner. This delinquency needs to be removed. Equifax refuses to correct the issue.
Reference to Case number : XXXX ], Bank of America charged me a XXXX NSF fee because they held my certified funds cashier 's check funds for 9 days. This is an additional complaint for the XXXX Hide additional information for activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... 

Edit Description activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX Type : Bank chargeDescription : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXX Merchant name : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXXSelect to Editthe merchant name Transaction category : get more information about transaction categoryUncategorized : Pending
Out of the blue I received a letter stating I owe this company money. I phoned to see what this matter was in regards to. After being transferred to 3 different people, I reached someone claiming to be a XXXX XXXX @ XXXXXXXX CST. XXXX XXXX stated I had a car repossessed in XX/XX/1997.

I explained to her I never had a car repossessed. She tried to find further information and stated she could not find anything. I started laughing and asked her if this was a joke. She got upset and put me on hold and never returned to the phone. XX/XX/1997 is 21 years ago and out of the blue I receive a letter. Not sure what is going on here but this is absurd and needs to be reported
Man by the name of " XXXX XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through XXXX. He used tactics such as illegally trying to persuade me that he was speaking to XXXX as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.
NO PROPER TRUST ACCOUNTING/DOCUMENTATION per OFFICE OF THE CONTROLLER OF THE CURRENCY CONTROLLERS HANDBOOK. I am a surviving spouse and mother of decedent 's only XXXX children by decent, minors. My spouse passed XX/XX/2014.Being that we had a significant age difference I always went along with my husband 's financial decisions as he was the one with all of the financial assets. I never demanded anything in writing from him as he was a fair man, always kept his word and loved his daughters more than anything. He was a street wise man, very charming, and had common sense. He ran XXXX very legal in every sense of the word and was generous, especially with XXXX employees. The mistake on my husband 's part was to assume the key employees were going to reciprocate his good will, kindness, and care for his family, meaning us. Two years prior to my husband 's death he finds out his longtime Attorney of over 39 years has embezzled over {$100000.00} and a lien had been put on our home. XXXX my husband had of over 20 years never bothered to look into the lawsuit and make sure funds were being disbursed properly. At the time all of this embezzling was going on my husband was going through XXXX. There 's more to the story but fast forward to XXXX 2014, XXXX he never transferred any business assets or anything else for that matter. So now I have the CPA and the purported successor trustee around me like vultures, but again keep in mind if my husband trusted people then I did too, he passes away and I find out that I had POA all this time up until his death, the CPA never notified me and the rest was downhill. Now the " new '' administration has been running my husband 's XXXX and basically my husband 's trust money has been bennifiting the trust, not the beneficiaries, our daughters. They are going off a trust that was executed 5 days after he found out about the embezzlement, in addition they switched his XXXX XXXX IRA. So basically the girls and I have been living off peanuts. At the end of the day, all my husband wanted was control of the money, again due to our age difference he still felt I needed some back up in case of any trouble. Little did he know that the people he trusted to take care of us were going to throw his family in the trash.
My insurance company, XXXX, contacted me on XX/XX/XXXX before they were going to cancel my policy on XX/XX/XXXX due to an unpaid premium. I immediately contacted US Bank, my loan servicer, to make sure they had paid the bill from my escrow account. They assured me that they had sent a check on XX/XX/XXXX to XXXX. The check number they gave was XXXX, they sent it to XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX California, XXXX. Neither company can give me any information about who has made a mistake. My home insurance has since been cancelled.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ONEMAIN FINANCIAL on XX/XX/2017 which l have no idea about it at all.
I have contacted the company LVNV Funding on  XXXX / XXXX /   2017  and contacted them numerous times up till  XXXX / XXXX / 2017  and have explained to numerous representatives that I have paid the company  XXXX  on  XXXX / XXXX / 2017  and stated I have a receipt paid of the balance owed and I was told by LVNV representative that they can not update their collection records with my receipt and they were not going to update this on my credit report I have contacted  XXXX  which stated they are going to transfer my debt payment to th e LVNV Funding deb t collector and I have not had any progress on a debt I fully paid as this still is affecting my credit in a way that banks think I still owe and I do not have a balance owed to  XXXX  and LVNV is still trying to make me pay a second payment to their company and does not want my receipts of full payment from  XXXX .
As a result of health conditions ( approx. X/XX/16 ), I was hospitalized and placed in a skilled XXXX facility. Reverse Mortgage Solutions views this as a violation of the vacancy clause and has reposed my home. When I visited my home recently, I saw a sign stating that my home was listed for sale.
On XX/XX/2018 i discovered Experian re-inserted an old XXXX XXXX collection account that was removed and deleted from my credit file several months ago that couldn't be verified and that clearly did not belong to me. Experian is required to notify me with 5 days of reinserting a previously deleted item. I did not receive any such notification. Please Delete this immediately.
XX/XX/2017 I received an alert that these items had been added to my credit report so I called XXXX  to find out what it was so they gave me the info. So I called AAMS to find out what it was about they told me they purchased a bill so now I owe them I informed them that this wasn't the right information and I need validation of the debt by mail they said they had mailed me the bill got returned each time. I never got anything so I disputed with all 3 credit bureaus first they said it was verified then I asked to see the method of verification with XXXX  a supervisor let me call on 3 way to the company but no matter what I do or how I do it XXXX will not remove it I had sent letters They said they are not going to investigate again I sent them the statement of procedures that was said done and cost of each and they updated it to a because they saw that all together it didn't equal the amount of the first charge they had 3 Mark 's against me so the made it 1 deleted 2 because it was added with the 1sti sent my first letter XXXX, sent my 2nd letter XX/XX/XXXX 3rd letter XX/XX/XXXX, my aught letter was when they told me they wasn't going to investigate it again
XXXX XXXX as well as several other companies have reported inquiries on my credit report which are fraudulent. these inquiries are impacting my credit.
I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}
Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2016 even though I received a XXXX Cancellation of Debt from XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
On XX/XX/XXXX, XXXX XXXX placed a negative report for a collection account on my XXXX credit report. I have no idea who the original creditor is. I mailed a request for verification of the debt to XXXX XXXX, and they never responded.
I am requesting that XXXX XXXX XXXX remove and delete this fraudulent account because used my personal information to open this account without my permission. My rights have been violated by XXXX XXXX XXXX. Please remove this fraudulent account immediately from my Equifax credit report.
I would like to speak with anyone who can explain the reason for the time frame set for reporting credit history. It I were to commit XXXX I would not go to jail for 7 to 10 years. We had a financial and medical difficulty between XX/XX/XXXX and XX/XX/XXXX which caused serious problems with our credit. We are in our XXXX now and we will be nearly XXXX years old by the the time these credit issues fall off of our report. Who decided the time frames for reporting this on the credit reports? Our credit was excellent for over 40 years and then we are " tainted '' for many years after " falling from grace '' due to circumstances beyond our control. We were told to get rid of as many credit cards and other open credit to make our report better. 
this resulted in erasing 30 years of excellent credit. We, the consumers, are at a loss as to controlling our own lives when the credit reporting agencies are reporting our every hiccup to home and auto insurance companies, employment possibilities. We do believe that poor credit needs to be reported but certainly not for 7 years or more. This is at least tyranny if not completely unfair. We have no recourse. Credit bureaus rule our lives everyday. I would like to ask if there is someone I could contact to have this chan type of power changed for me and all Americans. 
thank you,
I would like the application XXXX to have access to my account but Amazon.com is blocking my ability to enable external applications.
My father whom is XXXX, has an auto lease with Honda Financial Services that is coming to an end and wants to pay off the car to keep it. He was instructed in their XXXX that he can do the pay off at a Honda car dealership. The payoff amount is {$13000.00} which includes sales taxes and any possible fees. 
I arrived at the dealership in the middle of the transaction where they were charging the payoff amount of {$13000.00}, sales taxes of {$910.00} ( which is already in the payoff, ) dealer fee of {$790.00} and title registration of {$490.00} - for a car that already has a registration. Fortunately, we were able to stop the transaction. 
In addition to elderly abuse, this is clear deceptive, unfair and fraudulent practices of Honda Financial Services and their dealerships. I contacted their XXXX line and the representative mentioned that this is normal practice and the fees are " customary. '' The dealership is XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX.