WillisBack/dataset-financial-user-claim huggingface dataset:
Since XXXX of XXXX I was on a repayment plan with Nation Star mortgage that was to end in XXXX of XXXX. The payments were for XXXX due to the fact that I also had monies in suspense. Now that the re payment has been fulfilled, Nation star mortgage is stating that the repayment plan was set up incorrectly with XXXX XXXX, whom is supposed to be a " dedicated loan specialist. '' Nation Star is reporting to the credit bureaus that at this time I owe since XXXX of XXXX. This is incorrect and I have fulfilled the five months and total amount due of XXXX. Nation Star has claimed today, XXXX XXXX, XXXX, that the repayment plan was set up incorrectly- they should have certainly noticed this during the five months they have been receiving the funds for this repayment plan. If, indeed, their representative set this plan up wrong this is their error, not mine. I want the credit fixed and updated on my credit report reflecting current. Furthermore, if they made a monetary error, as well, this is their error, and they need to fix it, whether that money has to come from their bank or their representative I do not care. This is their error to fix and correct promptly. I am currently trying to receive a car loan and Nation Star is the only company that does not have me current on credit reporting. Now that I am current with Nation Star, they need to update the credit ASAP.
This ( {$90000.00} ) XXXX XXXX XXXX Credit card ( ending in XXXX ) debt of more than ( 6+ ) years having no dialogue and or activity has been passed on over and over to numerous collection agencies and has now been passed onto the most recent collection company by the name DYNAMIC RECOVERY SOLUTIONS ( their account # XXXX ) located at XXXX, XXXX. XXXX ( XXXX ) XXXX. 

Conclusion : Because of the expiration of the statute of limitations to legally collect in XXXX ( 4 years ), I 'm asking Dynamic Recovery Solutions to remove this debt from my XXXX credit reporting agency and or other agencies and issue me documentation on my behalf that this time barred statue can not be legally collected any longer because of the non activity of over ( 6+ ) years and because of the expiration of the statue of limitations for the ability to collect.
My mortgage is with Beneficial Finance. EVERY month this year I have REPEATEDLY called as I DO NOT receive any statements!!! My due date is the XXXX, of course, the sooner you pay the less interest. I am at my wits end with this company trying to get them to send me statements. It is now the XXXX and still no statement. Mailing my payment takes a XXXX to arrive at their office, then more time for them to post the payment. As such, at times my payment is late and interest keeps building.
THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR 1 ) PLEASE PROVIDE ALL PAYMENT HISTORY FROM INCEPTION OF LOAN TO PRESENT Previous history sent starts with page XX/XX/2007, which is incorrect 2 ) PLEASE PROVIDE HUD 1 SETTLEMENT STATEMENT FOR THE CLOSING OF THIS LOAN not included in documents sent 3 ) PLEASE PROVIDE ALL CLOSING DOCUMENTS IN LEGIBLE FORM, previous documents not clear not readable MISSING DOCUMENTS 4 ) PLEASE PROVIDE NAMES OF ALL INDIVIDUALS INVOLVED IN PROCESSING AND CLOSING OF LOAN AND LOCATION 5 ) PLEASE EXPLAIN IN WRITING HOW ALL FUNDS RECEIVED TO BRING LOAN CURRENT XX/XX/2007 WERE APPLIED, THIS INCLUDES LATE FEES, ATTORNEY FEES, BPO, INSPECTIONS AND ANY AND ALL OTHER FEES PAID, LISTING ATTORNEYS AND FIRMS 6 ) PLEASE TAKE NOTE OF ATTACHMENT DOJ V WELLS FARGO HOME MORTGAGE 7 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING FROM DOCUMENT THAT SHOW THAT WFHM HAD NOTHING TO DO WITH SELECTION OF HOMEOWNERS AND LOANS 8 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW ELIGIBILITY FOR THIS LOAN AND HOMEOWNER 9 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW INELIGIBILITY FOR THIS LOAN AND HOMEOWNER
From XXXX I had a AAA Financial XXXX Card issued by Bank of America. In XXXX XXXX, I called to notify them I wanted to close the account and was told the account balance was {$3900.00}. I made a payment in that amount and considered the account closed. After sending the {$3900.00} payment, a late fee of {$35.00} and {$9.00} of interest was charged to that account. At some point thereafter, Bank of America put my account into charge-off status and put negative information on my credit report. I did not realize that until XXXX of XXXX and called to complain/request that be cleared up and corrected. I was told over the phone that it was an error and could be cleared up. I thought the matter was settled. Nope. I received a letter stating that i owed them the now {$56.00} and to pay it. Disgusted with the situation I ignored the issue. XXXX I noticed my credit report showing derogatory language concerning this account as BAD DEBT BAD DEBT BAD DEBT. I called in to B of A to complain and ask that this issue be removed and corrected. On XXXX/XXXX/XXXX I spoke to XXXX XXXX XXXX who said he could see the issue and how it came to be. He spoke to his supervisor and after that consult I was told that the fees/charges would be waived and the chargeoff be removed from my credit report. 1 week later I received another letter stating that I owed them {$56.00} and to pay it. On XXXX/XXXX/XXXX I spent 2 hours disputing this charge, and discussing my continued hassle and frustration with this issue. I was told once again that this was a valid charge and needed payment. Disgusted and angry, I paid the {$56.00} and informed them I would be closing all my other accounts with bank of america and refinancing a home mortgage they hold. 

Thanks for listening thus far. It is very frustration to deal with an entity like BofA and have them smear my credit report through no fault of mine. I have about XXXX accounts in good standing on my credit report, this was the only negative entry and was over {$56.00}. Bank of america has my phone number, then and now, I 've had the same number last 9 years and not 1 phone call to me on their part. I did over {$87000.00} in business with them last year alone. I refuse to accept being treated this way by any financial institution. 

I am attempting to dispute this issue with the XXXX credit reporting agencies. Please let me know if there is anything you or I can do furthermore to counter this situation and repair the tarnishing of my credit report. 

XXXX XXXX XXXX
This Complaint is against Equifax XXXX XXXX  XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and the letter was received by Equifax on XX/XX/2018. I waited 40 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me letter on XX/XX/2018 stating the identification I sent them does not match their records on file and they needed a utility bill and I.D and social security card and the letter they sent me so I sent them copies they needed on XX/XX/2018 certified via mail tracking # XXXX of the old disputes letters that has a notarized letter saying that its me and my address is correct on the dispute letter. It is now XX/XX/2018 and I have still not received a response from Equifax with an update on my credit dispute.
I disputed a collection letter from eastern account systems representing XXXX XXXX. I did not receive a formal response to my dispute.

I had internet/ phone service with XXXX from approximately XX/XX/XXXX to XX/XX/XXXX. I NEVER received an accurate monthly bill having been required to call each and every month I had service to dispute the charges. Some months the bills were adjusted, some months they werent.

At the end of my service, I was asked to return there equipment in postage paid boxes which I did. I was billed for that also. All this information was provided to eastern credit which they apparently ignored? I have copies of all my bills with dates, names and resolution each time I called. No one has asked for any of this information! 

Thanks XXXX XXXX
Continuous phone calls sometimes XXXX XXXX XXXX daily 7 days a week. From various numbers. Have never sent Paperwork or documentation. Which should have been sent within 5 days of first call. This has been non stop harassment for months. Calling XXXX which is home phone. We only use this phone to track calls. And save call history. I use my cell phone for all calls. Due to harassment such as this.
EXPERIAN IS ALLOWING AN AGENT OF A DEBT COLLECTOR /BUYER TO BECOME A SUBSCRIBER AND CREATE A COLLECTION ACCOUNT BY CHANGING THE DEBT AMOUNT BY XXXX DOLLAR AND CHANGING THE NAME ON THE ACCOUNT TO THE AGENTS NAME BECAUSE EXPERIAN HAD PREVIOUSLY DELETED THE DEBT COLLECTOR/DEBT BUYERS ACCOUNT FROM MY FILE. 
THE ACCOUNT REPORTING ON MY FILE IS XXXX XXXX, ACCT NO XXXX.THIS SAME DEBT WAS DELETED AS XXXX XXXX, ACCT NO. 
XXXX. 
THE ORIGINAL CREDITOR IS XXXX XXXX
MY home equity loan was sold to Rushmore Loan Management Services LLC on XX/XX/2018. They called me on XX/XX/2018 in regard to my XX/XX/2018 payment. That payment was made to XXXX XXXX as instructed before XX/XX/2018. It was made on XX/XX/2018. Yet XXXX XXXX contacted me about this payment. I informed them that the payment was made and they should be following up with the institution that they bought the loan from. I also asked them where my payment coupons were for all payments going forward as none were sent to me. I received another call from Rushmore on XX/XX/2018 in reagrd to the same exact queries, where was my XX/XX/2018 payment? I informed them AGAIN that it was sent to XXXX  XXXX as instructed by Rushmore 's  only and first letter to me. I again stated to them that I have not received any payment coupons for what would be a XX/XX/2018 payment and here it is XX/XX/2018. I do not want to pay these clowns on line as I am not trusting them and they have very bad reviews online. I want to make my payment via US Mail but they wont provide me with a payment coupon to do so.
XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires
On XX/XX/2017, the bank was closed due to observance of XXXX. I went to the drive-thru to deposit cash. I deposited {$800.00} in the denominations of XXXX {$100.00} dollar bills and XXXX {$5.00} dollar bill. Once I deposited, the machine screen showed out of service and only printed me out a reference number sheet with no documentation of the money I had just deposited. I called the number and let them know the drive-thru ATM machine located on XXXX in XXXX went out of service after depositing my money. I let them know that {$800.00} was deposited but the machine only gave me a reference number as a receipt. They credited me the {$800.00} on XX/XX/2017 as a temporary credit. However, this week they took {$400.00} from my bank account leaving in the negative and gave no notice to me on what happened on XX/XX/2017. So, I call on XX/XX/2017 to find out what vendor took {$400.00} out of my account thinking it was a fraud deduction. They stated that they checked the machine and only found {$400.00}. I stated that was incorrect, and maybe the branch needs to check again since I was the last person to use the machine before it malfunction. Then they stated that they gave me {$400.00} already, and I stated the {$400.00} was deposited by me at the same location, inside terminal, and on a different day. I told them they need to gather their facts and find out a resolution, because I ca n't give them {$400.00} for free and if they ca n't find the extra {$400.00}, then they need to look internally as there might be fraud within. I also let them know that around the same time every month I make a deposit of {$800.00} or more, and that I would not lie to them about the amount of money I deposited. With their machine going down it left me defenseless, because I have no proof that I even put in a dollar, and for them to state I only put in {$400.00} and that there is nothing they can do to get me my money is not my fault. They putting the blame on me for their malfunctioning machine and I lose {$400.00}. This is a very defenseless situation for me, and as a veteran this should be something that protects the consumer in these situations. The only reason I have an account with Chase is because my primary bank XXXX does not have cash deposit locations in my area. Chase should acknowledge that their machine messed up and grant me my funds, I have not ever made a claim with Chase, and I have always deposited the same amount of cash every month without problem. They are really devaluing me as a customer, and this may strain my future business I do with them based on their " it 's nothing you can do about it stance, and you take the loss ''. It should be a federal crime for this to happen to me, and just wonder what if somebody livelihood depended on that cash, Chase would state " our fault, but you ca n't have your money ''. If that is the message they send to the consumer, then the public should be aware of this, and take action, just like I am going to do if there is no resolution. This is unjust, and they should be ashamed.
This debt is not mine. I was never seen by XXXX XXXX XXXX XXXX in XX/XX/XXXX. This collection agency which is SA-VIT Collection statingi was a joint responsibility. Never heard of such terminology for a medical bill. I have no idea how they got my social security number and put this false information on my credit report. I have tried several times to contact them. My latest attempt was on XX/XX/XXXXin which i send them a letter and also contact the credit agency. Was informed by XXXX  that are still stating this information is accurate. Was informed by divorce attorney this is illegal and fraud. I am not a cosigned for a medical bill and not responsible for this debt. In addition i was not the patient for this service. This is a frauduelent attempt to get this bill paid by me. This matter needs to be resolved and has cause me tremulously stress. Thank you for your assistance
The following accounts do not belong to me. I have contacted the individual companies about the fraudulent accounts. I am requesting signed contracts that obligates the following accounts to me. XXXX XXXX   XXXX / XXXX Card opened on XX/XX/2018. This account is fraudulent and does not belong to me. XXXX opened on XX/XX/2018. This account is fraudulent and does not belong to me. Police reports have been mailed to the credit reporting companies.
A few years ago XXXX XXXX had not credited two payments I made on their online system. They reported I was over 30 days late to the credit agencies. This was not true. I had proven the payments were made. 
XXXX agreed and sent me a letter to corroborate this. I had to make a prior Complaint to your agency to get this off my credit report. Now I applied for a Mortgage and it was denied due in part to this false entry still existing on the credit report from Transunion.
Upon reviewing personal credit report, found entries from XXXX XXXX. I had received no information from this company referencing the debt, or letting me know that I owed a debt. Mailed a letter to company at the address listed on the credit report entry, and company has failed to respond or give any information as to the validity of the debt claimed.
This company continues to report incorrect information on my credit report. This account was XXXX and no longer can report on my credit file.
I made a deposit in my savings account at a Navy Federal Credit Union ATM. I went to withdraw some money from my account a few days later at the ATM and the transaction was denied. The receipt read, " do not honor. '' So, I called the credit union to find out what was going on. I was told by customer service that after reviewing my account, nothing was wrong. Later, I attempted to make a withdrawal again and the transaction was denied again. I called back to customer service a second time. I was told that my account was frozen because of fraud. I had to ask what felt like 10 times, what fraud had occurred exactly? Only after becoming irate, I was told that a {$1700.00} deposit was the issue. Last time I checked, I 'm free to deposit and withdraw MY money as I see fit. Since when did deposits become fraudelent??? The rep. tried to dismiss me by saying the individual who had done this to my account was off so, nothing could be done. I escalated the situation to a manager who refused to give unique identifiable information about herself, like her name. She told me I needed to go to a branch to show identification. I told her I WILL NOT be doing that. She thought she could remedy the situation by rationing my own money to me and offering to XXXX XXXX me {$500.00}. I vehemently declined. I told her what she could do was remove whatever block is on my account so I can access MY funds the way I see fit because there is nothing fraudulent about a {$1700.00} deposit that was made at an NFCU branch ATM WITH a card AND pin # that I am confirming I completed! She refused. In another attempt to resolve this matter, I called back to speak with someone from the board and all that information was denied. At this point, I have been unable to access my money for almost a month, which has forced me to have to borrow cash to cover the basic necessities of life. If this is not resolved expeditiously, I will file a lawsuit.
Have disputed attached items over and over and still get the same old generic letters stating they have been verified. I want verifiable PROOF that they have been or I want them deleted immediately.
Hi I was billed around 1200 USD for Emergecy services, it was only 2 tablets which I was administrated .Hospital involved was   XXXX    hospital in NJ,   XXXX   .
This was on  XXXX  2015, I agreed onto a payment plan, then it was given to collection agency.
The agency sued me and caused major dip into my credit history.
I want to pay this amount to hospital or the collection agency, biggest problem is they do n't have an automated debit system. Every month I have to call them and then make payment. This causes delay or I miss the deadlines in case I am not in the town or country.
Please let me know how you can help me and I want to pay this amount.
Please help me to restore my credit rating.
All my mortgages, credit card payments, bill payments are in time.
In last 7 years I have never faced such issue, please check my credit history.
The Collection agency is   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX  NJ  XXXX  Thanks  XXXX
I was a victim of the 611 of the Fair credit act. This states that anything deleted and then re-inserted on my credit report needs to be followed by a 5 day notice from the credit bureau. I was a victim of this an issue that occurred with TransUnion. Basically I my inquiries were deleted from my account and then they were added back to my account without any notification. By law I need to be within notified 5 days mail. I did not receive any notification. I am a victim of this issue. I called the Transunion customer support on XX/XX/XXXX and informed them that they need to remove inquiries below, in order to conform to Section 611 Victims. Inquiries in question are below : -- -Inquiry details -- - XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX   XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX
On XX/XX/XXXX I started receiving notices that my credit was being checked by XXXX XXXX XXXX XXXX. On that day I was at work and did not authorize anyone to run my credit nor am I in the market to purchase a new vehicle. I attempted to contact the manager at the XXXX XXXX XXXX XXXX and he hung up on the phone on me and after repeated calls, I was left on hold for no one to return to the phone. Ive attempted to reach out to the banks and I was told to submit a letter to the credit companies which Ive done. After calls and letters each company keeps referring me back to the other and ultimately Im getting no where. I even ask them to update my employer because on the same day XX/XX/XXXX, XXXX XXXX was added as my employer and Ive never worked for XXXX. All other inquiries are mine eco the one from XX/XX/XXXX. Ive added the fraud alert to my report but Im not having any luck getting the unauthorized inquiries removed
I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the  inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These address do not belong to me my address is XXXX XXXX XXXX XXXX XXXX XXXX just like it is listed on my credit report. Anything else other then what I stated above do not belong to me and is not my address.