WillisBack/dataset-financial-user-claim huggingface dataset:
I have endeavored on several occasions to reconcile these errors to no avail. I recently obtained correspondence from XXXX XXXX that supports my claim. Transunion, XXXX and XXXX   insist on reporting these inaccurate inquiries indeed. Litigation will now surely follow, because I have proof now.
Transuinion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering. No notice was ever received, which is also a violation and I am requesting that the following inquiries be deleted and/or removed : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XXXX
I have a HELOC with XXXX XXXX XXXX and I was approved for a trial loan modification with payments of {$3100.00} starting XXXX XXXX, XXXX through XXXX XXXX, XXXX. I made the first trial payment to XXXX XXXX XXXX on XXXX XXXX, XXXX for the XXXX XXXX, XXXX payment and on XXXX XXXX, XXXX for the XXXX XXXX, XXXX payment. I received a transfer notice from XXXX on XXXX XXXX saying my loan was being transferred to Selene Finance effective XXXX XXXX, XXXX. 
Selene would n't accept my third trial payment due for XXXX XXXX, XXXX. A new assignment of the Note was recorded on XXXX XXXX with XXXX XXXX as the Trustee for the Note. Selene approved of a loan modification with payments starting XXXX XXXX, XXXX and a payment of {$4400.00} a month, an increase of {$1200.00} a month from the trial mortgage payments that XXXX approved. Selene never gave an explanation as to why the increase in the permanent loan modification. Also the Principal balance of the loan modification is {$840000.00}. However, the loan started off as a Home Equity Line of Credit for {$500000.00}. After requesting an explanation in the {$340000.00} in charges, Selene could n't give an explanation other than saying its a modified interest bearing amount on a Home Equity Line of Credit ( HELOC ) After I rejected the offer, Selene said that would proceed with foreclosure and Selene recorded a 20 Day Notice of Sale on XXXX XXXX, XXXX
I purchased a XXXX XXXX XXXX  with over XXXX miles on it, in XX/XX/XXXX for {$8000.00} from XXXX. The vehicle was repossesed in XX/XX/XXXX. It is being reported by collection agency as account opened in XX/XX/XXXX with a $ XXXX account balance. I have been disputing the correctness of this reporting with XXXX and XXXX with no luck. I am being denied credit because of this. I just want it removed from all credit agencies.
I did a transaction on shapeshift.io on XX/XX/XXXX, Order ID: XXXX. The tx type I used was "Precise" and it gives 10 min to send the payment before expired. I sent the payment in about 5 min and got confirmation very quickly, but the tx was not completed and I got refund for the payment I sent.I was confused as to why the tx wasn't completed so I opened support ticket XXXX. Shapeshift rep XXXX responded my ticket and through our correspondence, he revel that my order only had 5 min for sending the payment. I confronted him why it was only 5 min instead of 10 min like how their instruction still said and if there was any communication to customers on this change, he did not respond to that. Then I asked him to manually handle this tx again to make right for me, he told me Shapeshift wouldn't do that.This is a very unfair case where Shapeshift can change how their order works however they want without making any communications to the customers, and the instruction page for Precise order still shows 10 min deposit time https://info.shapeshift.ioXXXX. When I asked them to manually to the tx again to make this right, I failed to see they had any intention to make right on this.
I have an American Express Serve card. On XXXX XXXX, 2016, I loaded {$120.00} on my card at XXXX. Before the load, I had a XXXX cent balance on the card. After the load, the card balance was XXXX. 

I contacted them to inquire why the load amount did not post. I was told they took their system down for upgrades, and they did not know when the load would post. Twenty-Four hours later, I called again to discuss the problem. I inquired why they would take their system down, but still accept cash loads. I also inquired again when the load would post, and was told they did not know. 

They took a cash load for the card, but did not post the balance on my card. They have not offered a refund or will not give a date if or when the funds will post.
I had a store Credit Card with XXXX for the purchase of my engagement ring for my wife. I always made my payments in the store. I am self employed and some months make a lot more than other months, so when I went into the store I gave them payments in advance quite a few times. I gave the cash personally to the store employee and told her to I was making 3 payments at a time. She said she would put them towards the next 3 payments as requested. She never did and applied it to one payment with extra principle reduction. Because of this, I received late payments on my credit and fees. I called them and they were very apologetic and said they would remove the fees, fix it, and I paid off the balance. Instead of " removing the fees '' they reported to the credit reports that I " settled for less than the full balance. '' I tried to dispute it with my credit bureaus but they said there was no proof that I requested that of the store employee as we spoke in person and would not remove. I was recently denied for a home loan because of this account! They lied to me, committed fraud and I can not get credit extended to me because of 120 late on their credit account! I have attached documentation showing I paid 4 advance payments within 30 days of opening the account and made payments the next few months as well as 2 months payments another month later. I was way ahead on on my payments and should never have been charged lates or received any fees.
I 've requested via online disputes as well as calling the credit bureaus to delete  XXXX  incorrect and out dated address that are listed on my report. I in turn reach out to the said creditor to make sure they have my correct information and requested they update their records and they have assured me they have done so but the credit bureaus insists on still reporting the wrong info, please have them delete this incorrect information
Equifax still shows that I have defaulted on my federal student loans when, in fact, all of my federal student loans have been successfully consolidated with XXXX. I have documents that can prove that, as well.
To Whom it May Concern : XXXX is furnishing inaccurate negative information to the credit reporting agencies in violation of the FCRA. On XX/XX/XXXX, I pulled my credit report in connection with applying for a mortgage. My credit report indicated a collection from XXXX for a debt with an alleged date of first delinquency of XX/XX/XXXX that was assigned to XXXX from XXXX XXXX XXXX on XX/XX/XXXX. This debt is not valid. I do not owe this debt and it is being reported illegally. I fully complied with my lease with XXXX XXXX  and left my rental apartment in the same condition that I received it, per the terms of my leasing agreement. I did not owe any outstanding balance when my lease ended and I vacated the apartment. When I received a cleaning bill from XXXX XXXX, I contacted the management company ( XXXX  ), as well as its Attorney, XXXX XXXX. I sent several emails attaching photographs of the apartment as I had left it and asking for evidence that the apartment required a cleaning fee for anything beyond normal wear and tear. XXXX XXXX  provided no evidence to justify its bill despite our requests. My wife, an attorney, also left two voice mails for Mr. XXXX, as noted in the attached email chain. 

Since XX/XX/XXXX until XX/XX/XXXX, I heard nothing from XXXX XXXX XXXX or XXXX. I never received a debt validation notice despite the fact that my wife and I have had the same phone numbers and emails since XXXX. 

As a result of XXXX inaccurate furnishing and other FCRA violations, I am suffering monetarily and emotionally. I am currently trying to get a mortgage and have been advised by my bank that this collection is negatively impacting my credit and resulting in a significantly higher interest rate. I need this invalid collection to be deleted from my credit reports immediately.
Apply for a loan and wait for months to say the lender got fired and not call me to let me know and I left several messages and emails
Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I was charged 4 times for a product I did not order AND did not receive. This issue has been going on for 6 weeks. I have talked with their fraud department twice, customer service 12-15 times and sent very long detailed letters about the issue. I called the fraudulent company and they tried Let 's Make a Deal by  reducing the price several times. I said I do NOT want the product, did not order it. I have had product disputes in the past but this is the clearest case of fraud and the credit card keeps putting the charges back on my account. The credit card was even replaced so the fraudulent company could no longer charge me. The credit card company must stop this immediately!
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed STERLING : Inquiry Date XX/XX/2018 XX/XX/XXXX
I made a balance transfer as an authorized user from my wife XXXX XXXX XXXX ( XXXX XXXX ) to my XXXX XXXX XXXX ( XXXX XXXX ) for XXXX dollars. 
The money was posted on my XXXX XXXX account and since I had only a balance of {$33.00} only I asked XXXX XXXX to mail me a check for the difference They told me we can not and the {$19000.00} that I have as a credit in my account has to be sent back to the exact sender which is XXXX  XXXX  ( affiliated with XXXX XXXX ). This amount of money was not posted in my wife XXXX credit card account., I called XXXX  XXXX and, they said we did not receive anything. 
I contacted XXXX XXXX ( XXXX XXXX ) they told me that a check for the amount of {$19000.00} was received and cashed by XXXX XXXX ( which originally sent them the {$20000.00}. check ) and they sent me a copy of the cashed check that they received on XX/XX/2017 ..I filled a couple of disputes for {$19000.00} that XXXX XXXX received though their XXXX system. and they rejected both of them. I spoke to a higher management at this bank her name is XXXX XXXX, she told me that they got the money and they are working on it to put it in the account and promised me she will call me when it is fixed. I tried to contact her and I am getting an answer ( she is not available ) all the time .I am not getting anywhere with this bank I have the proof that they cashed this check from XXXX XXXX on XX/XX/XXXX.I want this problem to be fixed as soon as possible it is almost 4 months now since they received and cashed the check. I never experienced and expected something like this happens in the USA. There is something wrong going on in this bank and has to be corrected.
In  XXXX   2017 I g ot a credit report pulled and it was showing that I had been   XXXX  t imes late on my car payments with   XXXX   XXXX   I call them that day and they told me that I was behind on my car payments  XXXX  difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for  thos  payments there was two payments that they told me that I did not pay I fax a letter to  XXXX  and told them they must report to all  XXXX  credit agents that I had not been late. But they never did. I have been on them since  XXXX   2017. I g ot a call today from  XXXX  saying they wanted to let me know that they was going to have  XXXX  late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in  XXXX    XXXX  . The lady said so there is nothing that I am going to do about that. I call the head office of  XXXX  in  XXXX  IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called  XXXX   XXXX   XXXX  that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all  XXXX  credit Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from  XXXX   XXXX . Please help me.
I do n't make enough to make money to repay my loan fast enough. I 've tried calling them to lower my payment but all I get is " there 's nothing I can do for you '' I owe more then $ XXXX and I feel that I 'll be paying this along with interest until I 'm XXXX.
On XX/XX/2018 they received a complete application and onXX/XX/2018 they came to a decision that I was not eligible for a home retention loss mitigation.
To Whom It may concern I do not believe that I owe this debt or what you say I owe. XXXX, XXXX Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
This account was is under a LLC. and entity that is separate from my Person XXXX XXXX XXXX. 
I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.  Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
The exact situation is that I am attempting to contact the collection agency, not the other way around. Agency - Collection Technologies Inc. Student loan debt defaulted, but I am in a position to attempt to resolve the issue. I requested their assistance in XXXX for debt rehabilitation. They advised me to send them information via a form on their website that I would print out, fill in, and mail to them. Since XXXX, I have resubmitted the form with the same information in XXXX, but I have not received a response from them, and my attempts to call them to make sure that they 've received my info, or what the next steps are for the loan have gone unanswered. When I call their number, I only get an automated recording telling me to contact the Default Management Collection phone number. When I call that number, I am prompted to enter my info, and then am told that I need to contact Collection Technologies Inc. There is never a live person that I speak with on either number, and I still have not heard anything from CTI in three months. The debt is being garnished from my wages, but my attempts to resolve the situation feel as though they are being ignored. I want to get the loan rehabilitated and put this behind me.
The account is under " The Estate of ''. As soon as this servicing company took over the loan, they deducted homeowners from escrow and raised the payment. We supplied proof of homeowners several times, ( which we pay on our own ) to no avail. It took 2/3 years to get them to do a correct escrow analyasis. During that time we overpayed by {$2000.00}. They sent a check but it was made out to " The Estate of ''. We could not cash the check because the estate is closed. We got authorization to pay only principal and interest until the credit was sufficed. However, the entire time we paid principal and interest we were being charged a late fee and a balance was accruing since the entire payment was not made. I spoke with my rep every month numerous times and was promised this would be corrected. Records show we have been in default for over a year however we made our authorized payment every month. Now all of the sudden we get a certified letter saying foreclosure will start after XX/XX/2018 if we do not remit the entire balance owed which we do not owe. We have been trying to assume this mortgage once records were corrected and now they are trying to force us into forclosure.
Please review my attachments below and my correspondence with both HUD and FHA. Our MIP refund monies were not handled correctly nor given back to us how they should have, how we were promised, and how we were lied to about finding the monies and sending a check to us which did not happen. We closed on XXXX/XXXX/2015 and it took to all the way until mid XXXX before Caliber Home Loans would try and fix their mistake. We put our trust in them with handling our finance transaction and listened to their advise and our loan was not written correctly according to FHA guidelines. We would like to hear back from someone in regards to what is happening and what will happen about this situation please. We are filing a complaint against Caliber Home Loans with RESPA as well. There should be a penalty for what they have done and what we have had to go through with all of this. Caliber Home Loan kept our MIP monies that were due to credit or be refunded and after months of us looking into where our money was and contacting their corp. office, HUD, and FHA and filing complaints they finally just made a payment on our account towards the principle and told us that will have to do. What they did not only violated FHA guidelines but it was fraud. The first of this is what I submitted to XXXXXXXXXXXX which has opened a case for us against Caliber Home Loans. I have the attachments that are mentioned above it you would like us to share then. 




Caliber Home LoansBranch NMLS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX, Area Manager Email : XXXXXXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX worked with XXXX XXXX which is our neighbor and who was supposal lied to my her area manager and company on our refund or either she was lying to us herself in all the text and email messages.
Received alert today of a negative item was posted to my credit report. Contacted Midwest Recovery Systems to find out what this item was. I talked to XXXX XXXX, who was rude, distrepecrltful and very unprofessional who told me the creditor was XXXX whom I had a payday loan with in XXXX 2012. I have never heard of nor did any business with company. Told him I never received anything in the mail regarding this collection. He said no they did n't send anything in the mail and they did n't have to because this was there 1st contact and this was all that was needed. I said no it was n't and by law I have 30 days to respond and I was n't given that time to respond, so please remove this item immediately from my credit report. He said they were not going to remove anything until this account was paid in full and hung up on me..
I recently received an unsolicited Amazon.com Rewards Visa Card in the mail issued by Chase Bank VA, NA. The card has moderate to generous reward options. I subsequently received a letter in the mail from Chase ( again unsolicited ) referring to the issued card saying they would need more financial information in order to approve me and that I was to call XXXX with a Reference Number. I am not sure if this is a XXXX XXXX type incident where someone is getting bonuses for issuing cards, a spear fishing style scam or if my ID was compromised but in either case it is concerning. I did call Chase Bank to cancel this card and inform them of my concerns ( not revealing any of my financial data ) but they told me to call back tomorrow to XXXX which on reverse lookup is listed as an unlisted mobile number - not calling it.
On XX/XX/XXXX I made my first mortgage payment to Caliber Home Loans, which included an additional principal payment of {$420.00}, which was credited to my account. The unpaid principal balance following this payment was {$650000.00}. 

On XX/XX/XXXX, the loan was set up with XXXX after having been sold to them by Caliber. 

On XX/XX/XXXX, XXXX created a statement showing an unpaid principal balance of {$650000.00}, which is approximately {$420.00} less than the closing balance with Caliber. This is essentially the amount of the additional principal payment. 

On XX/XX/XXXX, I contacted XXXX and was advised the balance number they received from Caliber was {$650000.00} and that I should contact Caliber.
On XX/XX/XXXX, I contacted Caliber and was advised they were unaware that XXXX even had the account! I was advised that the transfer would not actually take place until XX/XX/XXXX.
I have since attempted to follow up with Caliber for additional  information/clarification/assurances via fax and social media, but have received no response.