WillisBack/dataset-financial-user-claim huggingface dataset:
I noticed the company reporting on my report late this summer. I called the company several times and ask them to provide me any documentation that the account was actually mine. This is a account with XXXX that I had ten years ago I switch my service for XXXX to XXXX I had to pay my bill in full. XXXX never sent me any other bill and all of sudden last year XXXX XXXX a collection agency started reporting on all three of my reports. I sent letters and letters and finally early this year the account was removed from my reports. Then late this summer it was right back on my report. I was given no documentation or letters from the credit bureaus that the account was mine and would go back on my report. So lately I been calling the collection company and XXXX and asking them to send me any documentation and I still received nothing. XXXX ca n't find anything when I give them my information to look up. Still today it is still showing on my credit report. I am in the Military and this can hurt my Security Clearance.
I have submitted several disputes regarding the balance on XXXX, XXXX, XXXX, and both XXXX accounts. I have sent verifications from original creditors and the bureau has failed to update. This is a violation of my rights and defamation of my character. Please update or remove entirely until you can verify updated records.
XXXX XXXX XXXX is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with XXXX XXXX XXXX but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with XXXX XXXX XXXX. I have requested XXXX XXXX XXXX to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but XXXX XXXX XXXX has been unwilling to correct the matter. I would like for XXXX XXXX XXXX to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and XXXX XXXX XXXX to report the same data and it is inaccurate for both creditors to report the same data.
Hello, my name is XXXX XXXX. I took out a loan in XXXX of XXXX from XXXX XXXX. In XXXX I started paying it back so I can get out of it being defaulted but stopped paying about 6 months into my payments. Last years tax return ( XXXX ) I filed my taxes and was supposed to get it back but when I never received it I called their offices and was told it was used to payback my student loan ... The debt collectors had garnished my wages since XXXX of XXXX and then they took my tax return and I finished paying off the rest of that loan of XXXX something. Well I 'm sure they 're allowed to garnish my wages but take my tax return? Any help would be appreciated.
I have tried on numerous occasions to get the XXXX credit bureaus to accurately report my accounts. I explained that XXXX creditor XXXX XXXX would deceptively change the account numbers every time I submitted an account verification request. They have sent me letters all XXXX credit bureaus that they would no longer investigate my previous claims which is a direct violation if the fair credit reporting act. This had drastically hindered my ability to obtain credit. If it is not handled appropriately I will be forced to take legal action. I also asked for proof of verification methods of my alleged accounts and I was never provided with it.
XXXX  is reporting my bankruptcy inaccurate. The date filed is in accurate and the discharge date is wrong. The bankruptcy was filed in XX/XX/XXXX and the discharge date is XX/XX/XXXX. They are reporting this information in accurate on my credit report and I want this bankruptcy removed the law clearly states in info being reported inaccurate can be removed.
Your options do not include the problem in this issue. This XXXX procedure was in mid XX/XX/XXXX. It became past due no later than XX/XX/XXXX. It was submitted to Account Resolution Services in XX/XX/XXXX. 

Federal law requires that this item can not remain on my credit files after XXXX years from the first delinquency prior to Charge off. That means the date of obsolescence on this debt would have been XX/XX/XXXX. 

I disputed this with XXXX, XXXX and XXXX XXXX accordingly. This means they sent this to the Account Resolution Services and they returned the dispute leaving it on my files.
Credit report from transunion and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from transunion stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine
I used the BBVA app to make my loan payment on my car, {$290.00}, on XX/XX/2018. As is standard practice, I received a confirmation code to use to submit my payment. Because of the holiday the payment dud not pist immediately to my checking account. Finally, on XX/XX/XXXX I was horrified to see there were 3 car payments in pending status on my bank website. My balance was overdrawn by more than {$400.00}. I immeciately called XXXX. The rep took my number and assured me only 1 payment would go through. He said he would call me back that day as well. I also called my bank, XXXX XXXX. They told me since the transactions were in pending status they could be cancelled by the merchant so to wait for 24 hours and call back if needed. Today, XX/XX/XXXX, I saw that in spite of my their error, BBVA had processed all 3 payments! My checking account balance was almost - {$500.00}. I called them again, irrate. I received the same promise that paperwork would be sent up the ladder, and eventually a check would be remitted for 2 payments and mailed out to me. In spite of me demanding it be electronically deposited back immeciately into my account, they insisted that could not be done and it would be over 10 days before a check could be mailed. I called XXXX XXXX to update them on the reason for my increasing negative balance. I have other bills and automatic payments coming through my account and dont want them rejected, or my account closed. They are aware of the horrible position BBVA has put me in and will hopefully make the automatic payments as they come in in spite of my growing negative balance. The overdraft fees are astronomical, in the meantime. I pay my bills on time and did nothing wrong. BBVA took 3 payments from my XXXX XXXX checking account and put me in a desperate financial predicament. I have no money to buy food for my children, gas for my car, or pay other bills. I am at the mercy of BBVA until they decide to mail me a check. They claim they can not electronically refund my money even though they took unauthorized payments from my checking account. I dontmake a lot of money but Ive always been able to meet my responsibilities to my children, my creditors, and landlord ... until this week. Im pleading for your help and thanking you in advance for anything you can to do help me. I dont know where else to turn. I dont know if I can recover from a financial blow like this. 
Respectfully, XXXX XXXX XXXX
In XX/XX/XXXX XXXX offered to extend my contract and move my payments for XX/XX/XXXX and XX/XX/XXXX to the end of my contract. I agreed to the arrangement and made a payment of over {$1100.00}. Instead of marking my account as " paid as agreed '' for the month of XX/XX/XXXX as originally stipulated, XXXX has erroneously marked my payment for XX/XX/XXXX as late. This is negatively impacting my credit score and I need it fixed immediately. Additionally, XXXX has failed to report my last two payments in XX/XX/XXXX and XX/XX/XXXX which is also negatively impacting my credit score. Finally, XXXX is not reporting this account to Equifax which is also negatively affecting my credit score.
I have send transunion several letters disputing inquiries that I did not authorize for the following companies. 1. XXXX XXXX XXXX-XX/XX/XXXX. 2. XXXX-XX/XX/XXXX. 3. XXXX/XXXX XXXX-XX/XX/XXXX 4. XXXX/XXXX-XX/XX/XXXX. 5. XXXX/XXXX-XX/XX/XXXX. The last letter I send certified with return receipt and they have ignored my letters and disputes. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and serious breech of my privacy rights. Transunion has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
In the month of XXXX, 2017, I opened an account with Coinbase, under email XXXX. I linked it to my bank account and was able to make some purchases of virtual currency. One day suddenly I found that my account was restricted and could n't transact anymore. I contacted support via their online form, and waited, and waited ( several days ). I sent an email to XXXX ( as directed in several of their pages ) just to get an autoreply that the email was no longer being used for support. At any rate, despite my multiple attempts I never received a response, and I incurred losses as I was unable to trade virtual currencies ahead of what I had anticipated ( correctly ) would be drops in value. In the end, after many ( at least 4 ) attempts to contact support, I gave up. I transferred my devalued virtual currency to another exchange. 

As a Financial exchange, Coinbase should have a way to be reached via phone to address urgent issues, yet, there 's absolutely no way to do that. There is no phone number and their support simply does not respond, despite following the proper channels.
received multiple phone calls on phone # XXXX from phone # XXXX. They are leaving voicemails for me to contact them immediately on my wife 's phone. They are disclosing that they are a debt collector in the voicemails. I called them today to find out what the call was about. I advised 'Ms. XXXX ' that no one ever disclosed that they were a debt collector in any of the voicemails and that they were left on a phone that was for XXXX XXXX and not XXXX XXXX. XXXX clearly states " XXXX XXXX '' and therefore they were in violation leaving a voicemail for me on someone else 's number. I advised her that I would be contacting an attorney and her response was " Is you attorney going to pay your bill? '' I said " Excuse me? You ca n't say that to a consumer '' and her response was " I can say whatever I want ''.
I sent letters to XXXX XXXX and Experian asking them to verify and validate XXXX XXXX for two accounts with different balances but the same account number. I was never informed about the debt and didnt ever know that it existed. Both are under account number XXXXxxxx balances of XXXX and XXXX. I was sent a letter that say account were verified but with no proof of documentation that I asked for.
I called XXXX and filed fraud alerts + disputed the items in the negative on my Credit Bureau Reports. I was fortunate to get a supervisor who provided me with a phone # to get the erroneous XXXX & any school loans that are NOT me off as I paid my school loans off in full @ $ XXXX ... YAY!!! Now, years later, most recently I was told ( via phone conversation ) that its up to the companyXXXX & affiliates for the {$68000.00} as to whether THEY will REMOVE!? They are NOT my school loans!!! I did co-sign approximately 8-9 years ago but in the amount of {$2000.00} in my daughters senior year & she told me that XXXX XXXX XXXX ( where she is employed ) was taking the money directly out of her pay!!! I received NO correspondence for entire time & believed my daughter!!! I didnt get anything until 3-6 months ago -approximately ) informing me that I owe {$68000.00} for co-signing??? I learned to never lay out, co-sign, etc ... unless you can afford to pay!!! 1st of all, my daughtr was in her final semester after the co-sign aforementioned, 2nd id Never co-sign for that amount out of nowhere COMPOUNDED BY THE fact THAT IT WAS NOT DONE BY ME never/not CO-SIGNED as stated above & via several phone conversations in recent months! My daughter would NOT have needed a CO-SIGNER as ( like I stated ... she only needed a co-signer ONE ( 1 ) time!!! It WAS PAID!!! 
( As far as I knew ... especially by the sheer fact that I received NOTHING/no correspondence in any form by any company to the contrary!!! ).
I bought my house for {$250000.00} and currently owe {$230000.00} on it. I realize that I do not have 80 % equity to remove the PMI, however I am confident that my house will appraise for {$330000.00} which will give me the 75 % equity that LoanCare requires in order to remove the PMI. On XX/XX/XXXX, I emailed the escrow department at LoanCare stating that my house recently appraised for {$330000.00}. I asked if I could submit that appraisal report or if I needed to order a reappraisal through them. I received an automatic response that they would get back to me within 5 business days and that my reference number is XXXX 

On XX/XX/XXXX, I called LoanCare because I did not receive any follow up within the 5 business days. Customer service rep # XXXX apologized for this and said that he would make sure that someone wrote me back by the EOD on XX/XX/XXXX.

As of the morning of XX/XX/XXXX I still have not received any correspondence so I called LoanCare again. This time they said that they guarantee a response by XX/XX/XXXX. The customer service rep said that I would receive a denial or acceptance to remove the PMI. I explained to her that I do not currently have 80 % equity in the house and would need a re-appraisal. She said that I would have to wait to get a denial letter and that would explain how to file the paperwork for an appraisal. 

I feel LoanCare is purposely making me wait 30 days before helping me remove PMI. In addition, I am upset that they never followed up within 5 days as their automatic email reply stated. Also, both customer service reps told me something different so what is the real policy?
Title Source on behalf of XXXX Bank contacted SLS to obtain a subordination agreement and proof of assignment regarding a secondary mortgage it has on my property. I recently learned that SLS has requested that the subordination document be signed " SLS on behalf of XXXX '' ; however, per Title Source 's title search, there is no record that XXXX is the current holder of the mortgage. Title Source and I have been informed by SLS that it will take 2 to 3 months or more to respond to the request. This timeframe is unacceptable and will likely to result in cancellation of my pending application. As a result of this delay, XXXX Bank has notified me that I will have to pay XXXX point per month to extend the application with a two-month maximum. In addition, if the subordination document is not properly executed, I will have to wait 60 days to reapply at almost certainly a higher interest rate. 
I am extremely concerned about the quality and lack of urgency expressed by the SLS customer service staff that I and Title Source have received to date and would appreciate receiving proof of the XXXX/SLS assignment and completion of the subordination document so that I can close my application and avoid financial penalties.
I began my refi mortgage application on XXXX XXXX, XXXX. Today is XXXX/XXXX/XXXX and I am no further closer to finalizing the mortgage. I have been bombarded with requests for more information. Each time I am told that we have submitted all documents, I get requests for more. I purchased this house with hard lender money in XXXX of XXXX. I had a clear title search completed in weeks. 1st Alliance is claiming that it took 5 months to get a clear title from their title company. This property was built in XXXX and has only had XXXX owner, not a tough title search. The company has also confirmed that my file has been passed through XXXX different underwriters. I have lost my rate lock and had to pay extra to get a new rate. My appraisal had expired and had to order a new XXXX. I have had to submitt all of my documents and a few different occasions because they have waited too long. Last week I was told that we would close today or tomorrow, and much to my surprise ... .I was greeted with another email asking for more documents. I am in the business of buying and selling homes for a living, and I have never heard of, or experienced such a poorly run company. This experience has greatly effected my finances and how I have been able to run my businesses since XXXX. I have been unable to operate my life as normal for fear of raising issues with having to provide more documentation.
I have a few complaints about my home and I feel that it was sold to me with undisclosed defects. When we purchased our home, we soon noticed that the roof in the master bedroom had a leak. We also found the original warranty request from the original owner informing the builder of the defect. The builder XXXX XXXX sent a roofer out but the problem is still not repaired. Next we 've recently had a soap dish in our upstairs bathroom break off. When the repair company came out they informed us that any repair made would only be temporary since there was sheetrock behind the shower tile and is was soft and would not hold. The repair company also informed us that sheetrock in the shower is out of building code and should not have been used, that there is a sturdier substance that is made for wet applications and is approved by building code. My attempts to contact XXXX XXXX XXXX to repair have been unsuccessful. So I 'm filing a claim against my mortgage company since : 1. ) The leaking roof was a preexisting problem which I was not made aware of when purchasing the home, 2. ) The sheetrock in the shower is out of building code and should not have been approved and changed before home was sold.
My mortgage Co, Nationstar has not given me credit for one of the monthly mortgages payments I made this year. 
Between XX/XX/XXXX and XX/XX/XXXX I made partial payments which were misapplied to my account by Nationstar. I have been on the phone multiply times with their representatives in an effort to correct this without success. 
At my request they sent me a transaction history on my account it confirmed that through XX/XX/XXXX my records agreed with theirs. However after XX/XX/XXXX it is impossible for me to decipher the transaction history they sent me. 
But the bottom line is this, between XX/XX/XXXX and XX/XX/XXXX I paid a total of 6 payments and their records only give me credit for 5 payments As of XX/XX/XXXX they say that I was past due for the XXXX XXXX payment and that 's not true. At that date I was next due for the XX/XX/XXXX payment. 
Please see attached the transaction history they sent me, together with my notes listing the payments I 've made since XX/XX/XXXX
I contacted American Express about numerous unauthorized charges on my XX/XX/XXXX-XX/XX/XXXX statements, and requested they investigate these charges. In two or three instances, after months of investigation, they apparently determined that my objections were correct, and removed the charges. However, they have continuously demanded through phone calls, robocalls and letters that I pay the full balance. When I requested that they cease their robocalls at strange hours of the day and night, and instead continue to investigate the disputed items, they declined to do so, and instead reported my alleged delinquency to the credit reporting agencies, denied me the opportunity to continue charging even though I have a Platinum Card for which I pay an annual fee, and finally cancelled the card. I spoke to them about 2 weeks ago and urged them to continue their investigations of disputed items, and told them I would pay what we would agree as to the amount owed, minus a sum for the unwarranted damage to my credit reputation caused by their irresponsible actions. Their response was to continue the robocalls, cancel the account, and then offer me a new ( but inferior ) card only if I paid their bills in full, plus usurious interest charges and late fees.
XXXX  has been non-compliant with removing the unverified account ABILITY RECOVERY SER XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that ABILITY RECOVERY SER was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
AMCOL SYSTEMS, INC sent me multiple letters on XX/XX/XXXX stating my account was closed and they would be deleting all the information regarding there company off of my credit report. As of XX/XX/XXXX there are still AMCOL SYSTEMS, INC accounts on my credit report with XX/XX/XXXX and XX/XX/XXXX.
I received a letter with the mailing address of FBCS , INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX - attached Letter XXXX XXXX XXXX XXXX is the principal agent for FBCS, INC. ; and I believe XXXX XXXX XXXX is XXXX in the same as FBCS , INC. 

In Letter A, there is an offer to settle an unverified DEBT at 75 % off with some company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX XXXX is acting as President and Chief Executive Officer of XXXX XXXX XXXX XXXX XXXX. ; and i believe XXXX XXXX is XXXX in the same as XXXX XXXX XXXX XXXX XXXX. 

I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', XXXX XXXX XXXX XXXX attached Notice A. 

I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 

30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. 

On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. 

I believe Letter XXXX is absolute rubbish. 

On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter XXXX. 

I believe Letter XXXX is an attempt to collect on an unverified DEBT sent through the XXXX XXXX, which is fraud. 

I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.