WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, 2017, is when I last sent this company a letter disputing several incorrectly reported items on my credit report. including XXXX XXXX Acct # : XXXX which was removed from my report by XXXX. I am not asking this company to base the investigation on XXXX 's investigation results. I am just stating a fact, that an item being not verifiable to one bureau, should be the same with the other bureaus. I am requesting copies of documents used in the investigation by this company that Transunion is not able to obtain. I also request that Liens ref numbers : FEDERAL TAX LIEN Ref # XXXX, FEDERAL TAX LIEN Ref # XXXX and FEDERAL TAX LIEN Ref # XXXX. Verified with the courts last XX/XX/XXXX, that these liens have been withdrawn. No citation of my name, SSN or DOB. Please reinvestigate properly all the items I have disputed, from the inaccurate account opened date, highest balance, status, inaccurate payment history.
I was called and asked to pay a minimum payment of  XXXX  by a certain date and i Payed that amount the person i talked to said that my next payment was due on  XXXX   XXXX  of  XXXX  I re ceived a phone call that next Monday stating that if I did n't pay  XXXX  by a certain date that the vehicle would be repoed I feel that i was miss informed.
On XX/XX/2018, I recently had a Credit Karma account and I have had it for years. So my OLD XXXX email were compromised, which is the email that were linked to my credit karma account. So I deleted/deactivated my old XXXX account and made a new one. So I changed all of my email addresses on all of my important accounts. Credit Karma were one of them. Unfortunately, when I deactivated my OLD XXXX account it deactivated my Credit Karma as well. Which I had no clue that, that would happen. So during the process before my credit karma were deactivated without me knowing I were trying to update my login/email address on Credit Karma. I were receiving emails to my new email stating, " Confirm your new email address ''. I clicked on the link and I figured that it worked. So I attempted to log on and it said that my account were deactivated. Even when I tried to log into with both old and new XXXX address. I reached out to Credit Karma " Support Team '' and the representative XXXX stated that since I DEACTIVATED MY old XXXX   associated with my XXXX account it deactivated my Credit Karma account. How is that possible? So I told him that all that I wanted to do were UPDATE my login/email and he said that there was nothing that he could do. I feel uneasy due to how I am suppose to keep up with my credit score and open accounts now? This seemed very fishy to me. I just want my Credit Karma account back. I have used it for years. I don't understand how or why this would happen.
I had XXXX XXXX completed in XX/XX/XXXX/XX/XX/XXXX at XXXX XXXX XXXX, XXXX, PA. Unfortunately, a few of the billing codes were wrong and some payment was denied. I called the insurance company and received the codes that they will pay this bill under. The hospital told me to have the doctor send a new script to the lab for the purpose of rebilling. <P/>My doctor sent the new script to the lab on XX/XX/XXXX and confirmed receipt of the new script. As far as we knew they rebilled the insurance company. The. In XX/XX/XXXX, I received a call from Medical Data Systems stating that the bill went to them for collections. I told them what was going on and gave them  the new codes to have the hospital bill under. I had n't heard that anything was n't paid or done by the company. <P/>On XX/XX/XXXX, I checked my credit report because we are a victim of fraudulent use of our social security numbers ( caused by a breach at XXXX XXXX ). I saw that Medical Data Systems is now on my credit report. I called XXXX XXXX XXXX billing and they tell me they have never rebilled the insurance company, never received codes from the collection agency and that they do n't have the new script. I told them I will fax a copy of it over to them. And will do so later today. Unfortunately, they wo n't pull this from the collection agency. <P/>I then called Medical Data Systems, XXXX XXXX, FL to find out what is going on and why they never forwarded the correct information to the hospital. They told me that they they personally rebilled the insurance company and 48 hours later the insurance company told them that three of the codes were unbillable. I gave them five codes. They also billed a year after the second script was sent to the hospital so the codes may have changed. That is not my problem. This should have been done right from the beginning. <P/>The hospital billing dept. has been reported to the insurance various times for fraudulent billing resulting in us supposedly owing them money. The insurance company has been able to fix those " errors '' but ca n't this time because of it being an issue with coding. This company is single handily ruining my credit for issues that are really their own fault.
I wanted to receive my free annual credit report online. Went to annualcreditreport.com and chose TransUnion as the company to receive my report from. This transferred my request to the TransUnion website where I could only get my report by PAYING {$1.00} for the report and score. {$1.00} is not much but I do not want to give out my credit card information as it has been compromised several times, so I could not use the website. Called TransUnion customer service. They said I could use the phone service ( having to give my Social Security number over a cell phone, not secure either ), or write. If TransUnion will not give the free annual credit report online, then that should be noted via annualcreditreport.com. I believe TransUnion is making it difficult to get a free credit report on purpose. Please investigate.
I had a XXXX account back in XXXX. I ended my relationship with XXXX in XXXX and was told I was paid in full. Flash ahead to XXXX. I noticed there was a Pinnacle Credit Services account on my XXXX and XXXX Credit Reports. I have disputed both accounts on both CRA 's I have called numerous times to Pinnacle in attempts to find out how I can still owe this and why they are still reporting on my CR 's 10 years later. I have never received a response from Pinnacle regarding this. Every dispute comes back verified from the CRA 's. I am trying to buy a house and this is the ugly elephant in the room preventing me from doing so. Please have Pinnacle remove this tradeline from both my XXXX and XXXX credit reports as they can not and have not verified this debt that I supposedly owe. 

Thank you
On XX/XX/XXXX I made a regular payment of {$400.00} by check. Wells Fargo Dealer Services misapplied this as a principal payment and charged me a late fee. 

XX/XX/XXXX LATE CHARGE ADDED - {$16.00} {$0.00} XX/XX/XXXX PRINCIPAL RECEIPT {$400.00} {$11000.00} Description Details Effective Date XX/XX/XXXX Principal {$400.00} Posting Date XX/XX/XXXX Next Due Date XX/XX/XXXX XX/XX/XXXX REGULAR PAYMENT - OTHER {$400.00} {$11000.00} I called and was bounced around their call center as they stuck to the claim that I had requested it be applied to principal only. I asked for a copy of this and was refused.
out of the XXXX SENT a letter saying through they loan XXXX from the government to help pay my bills the only bills i had was XXXX XXXX credit card which was a XXXX no savings but talked me into years old i have no car no assetsand XXXX cable i have no good cridet no job just my SSI check XXXX permonth i am XXXX and i have severe health problems and i am going XXXX this is being type daughter i am XXXX they had me intial my name no signature and life insurance in amount of XXXX but the insurance company me down because i am so sick mental and body now they trying to make pay a XXXX loan and i only XXXX XXXX she wrote a check for XXXX and told me to go to there and cash and bring the money to her now they are sending collection letters saying i owe XXXX i am being robbed and i did not get that money only XXXX i have no asets no money this was predatory loan and thy sought me out and now they are tring to robb me and they are harassing me for a year
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX GA XXXX Account Number : XXXX [ XX/XX/2018 ] To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains [ a 30, 60, or 90 days past due date, was past due 120 days or more.

I want you to know that I understand my financial obligations, and if it werent for [ My mum was in a bad medical state and I had to put everything on hold to take care of her ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ I have gotten a better job and I am in a better state financially ]. I will like to make payment arrangement in return to have my late payment history deleted and I promise not to miss one payment going forward.

Im planning to apply for [ a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on [ date ]. 
Thank you for your consideration, and I hope youll approve my request. 
Best, [ XXXX XXXX XXXX ]
I have called and written numerous time to XXXX about hard inquires on my credit report. I do not have an knowledge or remember having these companies pull my credit or applying with companies. XXXX has stayed these inquires are factual and to contact the creditor. This inquires are not factual.
I have sent letters to Ideal Collection Services seeking that they validate the debt. They have failed to do so. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. How does this company list this entry as data factoring when they are a 3rd party collection company and did not assume the debt prior to charge off? This company did not prove that the statute of limitations has not expired. Where are the documents that reflect my signature? Where are the documents that provide proof of ALL charges, invoices, or slips that prove my indebtness to them? Ideal Collection Services is blatantly violating my consumer rights as well as totally disregarding the mandates set forth in the Fair Debt Collection Practices Act. This erroneous, unverifiable, inaccurate item should not be reflected on my credit reports.
I was denied assistance for mortgage relief when I attempted to apply. Citifinancial does not participate in the mortgage relief program that was sponsored by the federal government. My state received funds for mortgage relief through the S.C. help program. I was denied help because citifinancial does not participate. I was also denied adequate deferment. Citifancial was also very rude to me, unprofessional, and uncaring. Other individuals have experienced the same difficulties that I have. Citifinacial wanted to foreclose on me and others for a profit.
to start with, i put a complaint in your company back around XXXX or XXXX when i spoke to someone at that office he did see the complaint and at the time, your office did nothing about it. he now told me that the office has gotten better and something is done about it. the items i am attaching maybe some of what i sent the first time. i was ejected out of my home that was worth more than what i owed. they have sold my house for more than what was owed and i have not recieved XXXX cents for the overage. i want my house back or i want double the money they sold it for. the documentation i am sending you shows how i was trying to get a loan modification under the XXXX program, ( which i attached the guidelines ) and they did not follow any of the rules. they were over and over asking for conditions or as you may know them as documentations and on the same day, asking me for conditions. i never ever recieved anything stating i was denied and the proof is how they are autioning off my home and asking for conditions. I hope this is not just another runaround like i got all those years. FROM XXXX XXXX, OCC, XXXX XXXX XXXX, XXXX, Legal Aide and even your office at the time. the sad part was I had no extra money to hire an attorney and that is what the banks knew and of course all the offices i just mentioned just bounced me and did nothing. I had just lost my husband and put out on the street. for answers below, foreclosure YES, concern about foreclosure THEY DID IT, FYI, i have done modifications for people, if your home is worth more than what you owe, they will not give you a modification!!!! i saw it happen including mine. I would just like to see if anything changed and if I really get HELP this time! I did not get any help from XXXX till XXXX.
I just turned XXXX in on XX/XX/XXXX. I wanted to start building credit and i noticed that I have a collection account on my credit report being reported by XXXX. I never had any accounts to have a collection I was a minor! 

This account does not belong to me, I have no knowledge of this account Also there is incorrect DOB and address being reported for me My address IS and ALWAYS been is XXXX XXXX XXXX XXXX, PA XXXX my address has never been different. 

my DOB is XX/XX/XXXX i just turned XXXX 3 months ago
This compliant is against XXXX XXXX I have disputed this account that is currently listed on my credit report. I sent a mailed correspondences to XXXX XXXX and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with XXXX and I have asked them to verify the proof that I owed the debt.
<P/>
When I dispute these items with XXXX, Transunion & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.
<P/>
Currently the furnisher XXXX XXXX is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXXHow can the account 1st delinquency which is XX/XX/XXXX, occur a year before the account open in XX/XX/XXXX.
<P/>
This information is false and I have requested all three 3 credit bureaus XXXX, XXXX and Transunion to delete the account.
OnXX/XX/2018 a short sale package was sent to this lender as homeowner 's are unable to afford their mortgage due to financial hardship and separation. XX/XX/2018 an offer was received from an investor and the Offer as well as est HUD & proof of funds were sent. By XX/XX/XXXX the file was advised it was sent to short sale department and 2 BPOs/appraisals were conducted and completed. XX/XX/XXXX The investors/buyers agreed to extend while the file was still being reviewed and sent to a negotiator to counter/accept. ByXX/XX/2018, upon speaking with lender 's loss mitigation department, they advised the short sale was closed out as they did not have a divorce decree!! I explained to them that both parties are on board to short sale and chose this loss mitigation option to ensure they do not experience a foreclosure. I inquired why a divorce decree was needed when both parties should be qualified for a short sale option ; and the lender said they needed the husbands ' signature/a copy of the divorce decree. I continued to express that the homeowners are married to each other ( XXXX XXXX  ) and the short sale file should NOT have been closed out! This put us severely behind in the loss mit process. As ofXX/XX/2018 the file since then has been referred to a foreclosing attorney and Dept of HUD. Lender has started file over from scratch XX/XX/2018 and advised of another 30+ days for review! We are starting over and now homeowners are in serious default with a substantial chance of foreclosing and derogatory payment history. Due to LoanDepot 's negligence and insinuation that they are married to men and needing a divorce decree from both XXXX in order to negotiate this short sale is nothing less than presumptuous, unprofessional and disappointing to say the least. Homeowners as well as myself as their agent, are concerned and truly need this resolved and moved towards the best methods of foreclosure prevention possible as we have tried everything and provided everything as they requested.
XXXX XXXX XXXX XXXX The basis for my dispute is ALLEGED balance of $ XXXX was required to notify me prior to XX/XX/XXXX, or no later than 30 days after XXXX XXXX XXXXfailed to notify me about reporting derogatory info. to XXXX, Experian In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, XXXX XXXX XXXX '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of LA allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve, also XXXX XXXX 's deletion letter for all credit bureaus XXXX XXXX XXXX is held liable as well for defamation and in the state of LA a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.App-XXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
XXXX XXXX XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX
I have a checking account with Bank of America from which a scheduled monthly payment of {$900.00} is paid monthly to XXXX XXXX, formerly XXXX XXXX XXXX located in XXXX Texas. This payment is due on the XXXX of each month. In XX/XX/XXXX, Bank of America failed to make the scheduled payment, which led to XXXX XXXX 's attempt to collect the mortgage amounts of {$900.00} plus an additional 28.75 %, from my checking account, without contacting me. This happened on XX/XX/XXXX, when I saw that XXXX XXXX was trying to take {$1200.00} from my checking account, an additional {$360.00}. I intervened and called Bank of America to find out what the problem was ; at that time having not ascertained any reason for their action, I cancelled the automatic payment schedule and decided to do it manually on a monthly basis. XXXX XXXX has never made contact to let me know what the problem was. 

On XX/XX/XXXX, XXXX XXXX reported my name to the XXXX Credit Bureau that I failed to keep my mortgage payment agreement. XXXX immediately contacted my bank services at XXXX XXXX XXXX in XXXX Wisconsin where I lived and worked previous and still maintain an account. At first I contacted XXXX and asked that they investigate the claim. However, I have since learned that Bank of America was the company at fault for failing to pay my mortgage on XX/XX/XXXX ( see lay out provided ).
I contacted care credit mid XX/XX/XXXXto offer a settlement on my account they informed me it would be charged off sold XX/XX/XXXX ( somewhere around that time ). I offered them XXXX to not continue with selling it they said they would have to review the offer so I called back a few days later and they countered with XXXX. I requested them to send me a letter stating they would settle for XXXX and not be sold they told me they could not offer a letter as being paid but with the recording there is nothing to worry bout then after it was paid they would send a letter out stating settled paid in full and they would not sell. On XX/XX/XXXX I called and paid the XXXX via credit card. My credit was updated and I see that they had indeed sold my account after they specifically said they would not I contacted care credit and filed a complaint and report to be reviewed. I have not received a letter stating it was paid or anything. I feel lied and taken advantage of all at the same time. 
I am requesting for whoever it was sold to not to report it to my credit and for care credit to delete it completely off of my credit due to them not holding up to their end of the deal
I have been making automated payments for several years. I am being charged an APR of 29.99 %. On numerous occasions I have requested my APR to be lowered. On each and every occasion they have responded that nothing can be done because my account has been closed. This seems unfair as I now have a long string of timely payments and the APR should be reduced to reflect this fact.
Appeal for loan modification denial was declined with servicer stating appeal response was not received on time. However, borrowers emailed and mailed response to servicer on the due date. The servicer failed to open the appeal email from the borrowers.