WillisBack/dataset-financial-user-claim huggingface dataset:
I have no idea who MERCHANT ADJUSTMENT SERVICE is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MERCHANT ADJUSTMENT SERVICE is indicating that an account with AN UNKNOWN account # was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MERCHANT ADJUSTMENT SERVICE as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ MERCHANT ADJUSTMENT SERVICE } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to MERCHANT ADJUSTMENT SERVICE, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
In XXXX 2016, my plastic surgeon recommended I get a Capital One credit card to cover my XXXX. The main benefits of the card they recommended were 0 % interest and XXXX due till XXXX 2016. Capital One did not inform us of a minimum payment due till we were XXXX months late with a minimum payment. Once informed in XXXX 2016 that there was an issue we promptly payed the minimum and and penalties. On XXXX XXXX, the full balance was paid off. This error on XXXX XXXX part is affecting my ability to secure a mortgage on my dream home. I respectfully request that Capital One remove this blemish from my credit report immediately.
I am currently in a lower payment plan with Navient, but in a month that is going to change. It took me months last year to get into a lower payment plan with them, as they told me I did this with them once. I explained to them I have other loans and they are not the only ones. I do not make a lot of money to be able to pay a lot each month. I am not sure as to why I have such hard time with company, as I know many people do. I originally had XXXX who was alawys such a help, until they sold my loan to Navient and I wasn't aware until I received bills from Navient. Is this allowed with out my knowledge? Since XXXX is still servicing loans? If I would have know having private loans would be so difficult to maintain or receive help from I would have never have gotten any. The school financial aid department DO NOT explain anything to students. I was XXXX when I started going to college and I was never explain such information, other them getting student loans is a great thing, which clearly its not. I do not know how people going into school now will be able to afford going and paying off loans. If i would have known now what I know then I would have never have went to school. I know Navient has a law suit against them, is their anything with the law suit that will help me? and is there any resolution to the law suit?? Navient is not a help at all, I would advise people to NEVER have a private loan and NEVER with Navient as they DO NOT help anyone and can careless. I have had countless conversations even with supervisors who told me that it is what it is and they can careless if I can afford the payment or not. I have tried so hard to get help in assisting paying these loans and their is nothing they will help with. Their customer service department is horrible and they are so rude, I've even been hung up on and yelled at. Please get back to me. 
Thank you
i applied for a modificaiton/workout in XX/XX/XXXX to see if they could assist with reducing the payments since I don't have enough income to refinance ; In XX/XX/XXXX they presented me an offer that i declined - because it was only a reduction in payment for 3 mos and then would only reduce my payment by $ XXXX/mo ( this was not in any of my paperwork either ). 
I have not been late with my payments during this review period and declined it. They reported me late and/or in modification to the credit bureaus and have a " repayment '' payment option for me on their website when I make a payment. I remained current during their review, I continue to be current, i declined their offer, therefore, i'm not late and I am not in modification/workout. I have called 2x for a letter stating same and they won't send it. I want something in writing since so i can fix it with the credit bureau as my score dropped 30 points due to same, which is why i don't believe them, only mortgage reporting drops it that much in a 1 month period.
Hello, To whom it may concern The reason for this complaint today is I have incorrect information reporting on my credit report. I disputed the process three times. They still have failed to show me proof from the original creditor to report the information and no signed contract. I disputed this information XX/XX/2018 WITH XXXX AND EQUIFAX. I received a letter from XXXX on XX/XX/2018 stating that they would look further into and investigate the information provided by me within 45days. I still haven't got a reply as of today 's date XX/XX/2018. It has been two months and more since i received the letter. I still haven't received anything from EQUIFAX SINCE I MAILED THE LETTER OUT. They have went over and beyond 45days violating my consumer rights. I will ask for ALL the information that i disputed must be deleted immediately. If this information is not deleted in 15days i will file suit against these two bureaus. I have proof of USPS receipt as well as documentation of my disputes. Hopefully we can get this matter resolved with no further action.
Hello, I am currently unable to withdraw any of my XXXX currency from XXXX. 
One of the requirements for Coinbase to allow withdrawals from it 's site is to 'verify ' your account, by depositing an amount they specify in their FAQ. I completed this deposit 2 months ago, however the website did not 'verify ' my account. 
On XXXX XXXX, I opened a support ticket with Coinbase regarding this ( see attached ). They verified that the deposits had been received ( as can be seen in the attached email ). My last communication with the company was over a month ago ( XXXX XXXX XXXX, with further emails from me being ignored. 
Please could you assist with the validation of my account, in order to allow me to make withdrawals via the Coinbase website. 

Kind Regards, XXXX XXXX
I sent letters to XXXX and Experian on XXXX/XXXX/XXXX with information from the courts that they do not/ nor did they verify a bankruptcy. I requested information from the credit bureau asking who verified this information, the date as well as the proof that was furnished. It has now been almost 2 months and both bureaus have failed to provide this documentation. Experian is reporting a charged-off account from XXXX XXXX that they maintain was verified. I requested a copy of the alleged contract. Also the person who furnished this information. I have not received a response on requested documentation. XXXX is reporting an account that is not mine. They stated in complaint # XXXX that the account was removed from my credit listing. The account was never removed and is being reported incorrectly. This account needs to be removed. The credit bureau continues to say that the account was verified but has yet to furnish the requested ( original contract, person who furnished information, date info was provided )
in a letter from Pennymac dated XXXX/XXXX/2015 I was approved for a HAMP XXXX with Principal reduction Trial modification. My XXXX trial pmt was due and paid by XXXX/XXXX/15 my XXXX pmt was made on XXXX/XXXX/15 and my final trial payment was made on XXXX/XXXX/15. I have not received any permanent mod doc 's and no one at pennymac can tell me what the new terms are. 
Pennymac is in breach of the XXXX month trial agreement. 
They want meto make more trial pmts which is an unfair and deceptive ploy in order to partially collect on a debt
I am a victim of identity theft and have fraudulent and unauthorized credit inquiries and a account that do n't belong to me. I sent Equifax a copy of a police report from XXXX XXXX Police Department in reference to the unauthorized and fraudulent credit inquiries and account. The police report case number is : XXXX. The following credit inquiries and account are fraudulent and unauthorized : XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX credit card account
I have disputed with Transunion on several occasions the following accounts ( see attached ) that are reporting inaccurately on my credit report : * XXXX XXXX XXXX XXXX XXXX I provided documentation to this bureau that XXXX XXXX is not licensed nor bonded to act as a collection agent in the State of Texas where I reside. Transunion did not respond within 30 days of my initial request as to the validity of this debt and what their investigation consisted of and who they spoke with at this company. The reporting of this account is in violation of Texas consumer law and my federal consumer rights under the FCRA. XXXX XXXX should be deleted as well due to the nature of its reporting. If this account is truly legitimate and they are the original creditor, why is there no payment history reflected nor the terms, or my high balance, or limit or payment status. All of these things must be reflected for accounts with the original creditor. Again, my rights are violated as a consumer ; therefore, both of these accounts should be deleted.
I have 3 accounts that I paid off in settlements that are still showing negative on my credit report. 1 lending club account which I paid off in the amount of for {$2000.00} ( paid off XX/XX/XXXX ) and is showing election of remedy and hurting my credit score. 2nd lending club account which I paid off for {$2100.00} ( paid off XX/XX/XXXX ) showing purchased by another lender. 3rd account is XXXX, which I paid off in the amount of {$630.00} ( paid off XX/XX/XXXX ) and is showing election of remedy. I wish to have all these accounts removed from my credit report since I have paid all of them and the companies refuse to remove them after I have contacted them.
I have XXXX knowledge of this account. According to my XXXX credit report, this debt is from XXXX of 2014. I have not received ANY correspondence from this company in the mail, not have I ever received a phone call regarding this debt.
XXXX did not provide enough information. I am in too much pain, I am currently injured due to a surgeries I had a couple months apart. Why should I have to do a lot of running around spending more money and stopping my bed rest because this company are unable to comply with my request. They have send letters to me about a debt they are trying to collect and call me, but it so hard to screen shot take a picture, scan and send they documents here. Its not hard for them to do this? You are the company reporting on my credit report, you are the company trying to collect a debt I should not have to get a police report, go to the places you want me run around to that is out of my county in windy cold air that causes more pain to my infected wound from recent surgies for they debts you are trying to collect may get dismiss because you have no additional proof. You do n't have the most important part of the debt ( s ). Please provide the documents here : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay or a contract? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 


State the amount of the debt when you obtained it, and when that was. 

Best regards XXXX XXXX XXXX ( currently injured ) If proof is needed I will open another complaint here to prove it. Now you prove these debt ( s )
I originally submitted dispute XXXX in reference to taking more than 30 days to respond to a dispute that I sent to Equifax. In my original dispute I submitted documentation to support my claim showing that Equifax did indeed exceed the 30 day window. Per my rights as a consumer, I must receive some type of response within 30 days. I did not receive a free credit report so therefore they should have been able to return the report within 30 days. They did not mail to a physical address, they submitted it to my email which should have been quite simple and quick. If they were finished on time, it should have been submitted back to my email with no problems. I am disputing the reason that they need 60 days to determine that they did not complete within 30 days and am possibly looking at pursuing legal action against Equifax because of their unprofessional conduct.
My Freedom Chase card was closed without my consent, which harmed my credit score greatly. I tried to call them back to re-open the account and they said no. 

Once they decided to close it there was nothing I could do because they gave me no other options. 

This card was my oldest card and now it appears that I practically have no credit history, which is false. 

I just really want this card reopened because I plan to purchase a home but with my current FICO score it is going to be more difficult for me. 

I have attached a statement of the credit card that I am referring to below. 

Thanks, XXXX
I have contacted Equifax in regards to XXXX of the inquiries that show up on my credit report. They stated that they had investigated the matter and confirmed that they are valid and to contact the company myself. I have used the address that was provided by the credit bureau of which they used to verify. However when I tried to write the company to verify the document. I received a XXXX. Therefore, it brings up a red flag on whether the Credit Bureau ( Equifax ) has actually investigated the matter.
When I paid off my automobile lease charges were added that I was not told about either verbally or in writing.
I signed up for an American Express XXXX credit card that offered XXXX points after spending {$3000.00} within 3 months. I confirmed that I was eligible for the offer via telephone and than applied and was approved online. 
Yesterday I secure chatted with Amex to find out the status of my points. I was told that I was not eligible to receive bonus points because I had had a XXXX credit card over 2 years before. I was not aware of this exception and it was never mentioned to me when I first called Amex to check eligibility. I would like Amex to honor the offer and award me the XXXX XXXX bonus points.
I have called Navient multiple times to reduce my student loan payment on my signature loans. Every time I call I get the same old they can not lower my payment and my payments keeps increasing. The interest rate is insane. They really make it unaffordable
Afni Inc is reporting on all XXXX of my credit reports as a paid collection. I paid the outstanding balance of {$460.00} directly on the orginal creditor website which was XXXX XXXX. XXXX is not reporting the debt to the credit bureaus. Since I am current with the orginal creditor and they are not reporting to the credit burreaus ; I do not understand how the collection agency who did not collect the funds from me can report this as a paid collection. 
I have tried to correct this by disputes on my XXXX credit reports. I also filed a better business Bureau compliant. All responses from Afni indicated this will stay on my credit report.
I started getting calls from XXXX XXXX XXXX at XXXX a month ago. They said I had an overdraft with US Bank sometime around 1995. I did not remember an overdraft so they told me to call US Bank. US Bank said they had no records left, had sold the account to XXXX XXXX, XXXX. I contacted XXXX XXXX. and told them how many phone messages and emails I had sent XXXX to verify debt and they said they would contact XXXX for me. Then a week later I get a call from someone who would n't give me their name saying I was going to receive a summons. I asked why and they told me to call XXXX XXXX. I called and they put the " guy in charge '' on the phone who told me that XXXX did n't have to return my call and since they were taking me to court and plan to win they did n't have to give me verification of debt. They also said I would go to jail for writing bad checks. I do not ever recall writing a bad check. Then the guy said I had one chance to accept a settlement and my answer would be recorded for court and jail. I said without verification I did n't feel comfortable settling for sending anyone money. He was rude and scary and said they will win in court and I was going to jail. I 'm frightened. All I wanted was paperwork confirming this debt.
I have sent Numerous notices to Equifax to delete the inaccurate Inquiries accounts they could n't verify or Validate to me. These accounts are not mine & need to be delete from my credit report.
I am constantly being billed for a little over XXXX from a private loan company. I attended school for 17 days and I never received a transcript or credit transfer before they closed the school to students without days notice. I did not receive any money from this loan nor an education from this school. All money was dispersed to the school.
Recently my credit application was dismissed, and the online credit report that I recently recieved, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting.

In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have accounts listed that are not accurate, they are as follows : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX XXXX XXXX XXXX. 
Reason for Deletion My credit application was denied : when I reviewed my credit history I notice there were no details and I have no documentation or paperwork of ever doing business with the above companies.
I have reached out to XXXX XXXX XXXX/XXXX to dispute inaccurate information on my credit reports. On the year of 2016 they have a total of 36 late payments reporting on my all my accounts that I have with them. I do not call recall having late payments with Nelnet. I have always made sure that I update all my information to make sure that I never have to experience what I am going through now. As of today I am in a deferment status and in XX/XX/XXXX I will be starting the income based repayment plan. I am in the process of repairing my credit and the late payments are causing me a hard time purchasing a house for my family.
Last night I made XXXX desposits to my Wels Fargo checking account back to back ( XXXX in the amount of {$100000.00}, the other for {$950.00} and the XXXX for $ XXXX totaling {$2100.00} ) I received email confirmations of all XXXX deposits and was told my checking account balance at the time was {$2100.00}. I then submitted a payment to my credit card for {$2100.00}. This morning I received an email alert from Wells Fargo confirming my deposits, but it only confirmed XXXX of my XXXX deposits- the XXXX deposit of {$200.00} was not credited. I immediately called in and was advised by the Wells Fargo agent that he could see the {$200.00} but that it was showing on my " bank card '' but not in my checking account.. I have no idea what that meant, I depsoited all XXXX deposits in my checking account and told him I have the email. He transfered me to the claims department, who set up a claim for me and gave me the claim # XXXX, I then asked that since they saw my {$200.00}, that someone issue a provisional credit for the {$200.00} so that when my creditor presents the payment I authorized that it would not return unpaid. So they transfered me back to customer service to get the credit issued. While in Customer service I was told that credit is issued by the claims deptartment, not customer service, I became upset because I had just been on with the claims department who transfered me to customer service so I asked to speak with a supervisor, XXXX came on line and advised the claim that was set up for me was the " wrong type of claim '', so she closed out that claim and opened another one and gave me a new reference number XXXX ... she then told me someone in claims had to give me the provisional credit and got me to claims again, I spoke w. XXXX ( who was very rude ) she got me into the consumer phone bank in XXXX Texas who was also very rude and unhelpful, she transfered me over to another supervisor who i spent another 1 hour and a half with trying to get in touch with the claims department. At this point, my creditor has put through the intended amount of {$2100.00} and my account is now over drawn as a result. I am so furious! I find it appauling that Wells Fargo held on to my money and did not appropriately credit my account and caused me to remain on the phone for hours and now an over draft to my bank account. I 've attached the receipt for the {$200.00} deposit that was omitted from my account along with the balance that should have been on my account of {$2100.00} ( Which would cover my payment to my creditor for {$2100.00} )
Background : My property is scheduled for foreclosure sale on XXXX/XXXX/XXXX per communication from Chase. This said property was included in chapter XXXX BK XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Issue : For XX/XX/XXXX interest payment ; I received a XXXX interest income. Please see attachment. 
How does previous BK ( where said property is listed ) be impacted by this XXXX? 
How is this going to be reported to the credit bureau? 
Can Chase XXXX a property in foreclosure process? Will I get a XXXX for XX/XX/XXXX when the foreclosure is complete?