WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, XXXX I sent a letter to a collection agency by the name of XXXX XXXX. I wrote to them after seeing they are reporting a collection account on my credit report for a balance of {$530.00}. It is reporting an original creditor by the name of XXXX XXXX. I never had a debt with that lender and I requested copys of statements and signed credit application for this account. As of today XXXX/XXXX/XXXX, no response has been received from this company.
Capital One is stating I was late to the Credit Beau On XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX which i was not. I have bank statements to show otherwise.
My husband was out of work for over 18 months. We fell behind on the mortgage by a few months. The bank told us we could make partial payments which we did but they did not tell us the funds would not be applied to the mortgage until a full payment was received. My husband started work XX/XX/XXXX. We fell over 120 days ( since they were not applying funds ) Now they will not accept payment, our credit is plummeting and the debt mounting. We have applied for modification 3 times starting in XX/XX/XXXX.  Chase has consistently made errors on the application, not returned phone calls, is vague when answering questions, difficult to reach and only offers 2 solutions -- foreclosure or short sale. Chase 's latest letter XX/XX/XXXX does not even give a reason for the denial of a request for mortgage assistance. Chase did not include my income on the application even though they had my pay stubs. Chase also has our net income at XXXX cents a month. When we questioned this, Chase told us that it did not matter.???? What is going on??? Chase has been incompetent in handling this application and has made a difficult situation worse. We can now afford to pay the mortgage and what should have been an easy solution has now become a mountain.
date : XX/XX/18 Chase bank will not release transactions occurring in the pending pay period with basic documentation ( name + last 4 digits of account number ). They require 7-day turn around time to release this information. 

The impact this has to me personally : I have a {$5000.00} business expense that I am unable to get reimbursed for an additional 30 days. Based on timing, this will force me to either pay the {$5000.00} credit card bill with my own funds without my company 's reimbursement or pay additional APR.
Hello I've recently in XX/XX/XXXX attempted to dispute incorrect information on reporting on my credit report number XXXX directly with Experian. To no success this information is still being reported and representing me unfairly. I attempted to have the empty fields from my XXXX account number XXXX furnished and to display the following : Incorrect and Missing form my credit report XXXX Account XXXX : Balance? 
Balance Updated? 
Recent Payment Amount? 
Monthly Payment? 
Original Balance? 
Highest Balance? 

Also, it list the Terms as " 1 Months '' which is incorrect. It list the Date Opened as XX/XX/XXXX but first reported as XX/XX/XXXX five years later which is incorrect. 

From the viewpoint of someone pulling my credit and looking at the XXXX account with all the missing field leaves a lot of unanswered questions about this account. I believe that this is unfair and leaves me at a disadvantage. I believe if Experian is going to report details about me that they should tell the whole story and not just a part of it.
XXXX  ID : XXXX State : VA Capital One representatives continue to lie and provide misleading information and refuse to escalate the call to the executive relations so that they may assist me with my consents. 
Yesterday they were able to comply with my request but today they reason regulations and laws of the company and they continue to refuse to have the appropriate department to speak to. 
XXXX ID : XXXX ( VA )
In XX/XX/2016, my account with XXXX XXXX was closed for default. Rather than sending the account to collections, XXXX chose to forgive the debt and I was sent a 1099-C. As A result, I paid Federal taxes on the forgiven debt of {$690.00}. To this day, XXXX continues to report the account balance as {$690.00}. I called requesting that the account balance be updated to XXXX, and they refused to do so. I even went as far as to offer payment for the account, which was also refused.
My original loan was for with Sallie Mea at XXXX college I was paying my loan XXXX College the school was discredited making my schooling useless They are on the hook not my family ... I never got a job as a XXXX XXXX XXXX which I was at the top of my class .Navient is the new creditor harassing me.
I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$290.00} because I have sent several dispute letters to this company and they remove it from one credit bureau then list it with another. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. This item needs to be deleted immediately from ALL 3 Credit Bureaus and never reentered on my credit reports again.
Experian won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX  not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with XXXX they have a XXXX card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts
I've been receiving a call from this phone number for CitiBank every day on my work direct line. It is always an automated call. I tried calling CitiBank. I have never had any affiliation with this company what so ever. It took serious digging to find a number that would put me in touch with a human rather than a machine. They told me I needed to register on the do not call registry. I tried registering my work number with the National do not call registry; however, when verifying, their database picks up our 1-800 number and not my direct line. Therefore, it is impossible to register my direct line with the National do not call registry. They also confirmed I was not the person they had intended to contact, but they could not take my phone number off their call list. I received a call on the following dates and times:

XX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX XX/XX/XXXX XXXX
XX/XX/XXXX XXXX

Today is XX/XX/XXXX XXXX.

I've been in touch with the company IT team. They will have to change my phone number because of this issue.
SYNDICATED OFFICE SYSTEMS IS REPORTING XXXX COLLECTION ACCOUNTS. CENTRAL FINANCIAL CONTROL IS REPORTING THE SAME XXXX COLLECTION ACCOUNTS. THIS DOUBLE ATTEMPT TO COLLECT ON XXXX ACCOUNTS LOOKS LIKE THERE ARE XXXX OPEN ACCOUNTS. THEY NEED TO DELETE XXXX OF THE SET OF XXXX. EITHER SYNDICATED OR XXXX NEEDS TO REMOVE THEIR ENTRIES.
This is a XXXX XXXX loan. According to XXXX XXXX guidelines, a streamlined loan modification is supposed to offered at the 90th day of delinquency. No loan modification was offered and instead foreclosure proceedings have begun
I was owed a refund. Check was sent to an old address. By the time I got it, it was no good ( bounced ). I wrote a letter to the company XX/XX/2018 with my new address requesting another check. They said they sent it ( to the wrong address again ). Eventually i went to the XXXX XXXX XXXX of XXXX. The repeatedly said they sent one but didn't. This time they said they sent it XXXX to my current address over a week ago ( so they lied again ) but said " the CFPB now has the funds '' and I need to contact you! 

XXXX, XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX , XXXX, MA XXXX XXXX {$170.00} owed to XXXX XXXX by XXXX XXXX XXXX XXXX. XXXX  Case # : XXXX.
I am at the end of my short sale on my home. It is owned by XXXX but is a XXXX Loan, it was submitted through XXXX and has been approved. I have several other liens on the property and although multiple attempts have been made and it has been made clear that this is a XXXX loan and they are not giving anything to the Judgement liens on the property, I and the agent along with the real estate broker have been able to put some money together and pay some of the judgements in an attempt to settle for less then the original amount, however, XXXX Midland Funding or XXXX is not willing to take a penny less then the full amount plus accruing interest. The XXXX position is not getting the full amount, hence the need for a short sale, traditionally they dictate the jr lien payoffs. I do n't know what else to do to get this passed through and my agent has run into a dead end. We have to close the sale by XXXX XXXX and I am out of options.
XX/XX/XXXX AMOUNT I DO NOT OWE IS {$1800.00} AND XX/XX/XXXX AMOUNT I DO NOT OWE IS {$670.00}. THESE AMOUNTS WERE ILLEGALLY PUT ON MY CREDIT REPORT BY XXXX XXXX ( {$1800.00} ) ALSO MIDWEST RECOVERY SYSTEM ( {$670.00} ) MY CREDIT REPORT HAS BEEN DISRUPTED BECAUSE OF THE FALSE IMPLICATIONS OF THE AMOUNT OF MONEY I DO NOT OWE. 
I AM BEING HARASSED BY THESE PEOPLE AND IT IS NOT RIGHT.
On XX/XX/2017 I tried to use my temporary debit card as my card was frauded on XXXX XXXX. It was decilined both in and out of the gas station. We then call customer service at XXXX XXXX to be told my tempary card has been shut down only good for 30 days saying I have to go to bank to get another temporary card a 25 mile trip one way. That is unacceptable as we called about permant card and not having it on several occasions. was told hurricane delayed things jusdt wait nothing again about the temp card only being good 30 days. This is not right at all never informing me it was going to be shut off. Not giving me access to my money costing me money to have to go get another temp card. Very upset.
Allegedly XXXX bought my mortgage in XXXX. I have yet to receive any statements in the mail. XXXX keeps calling my phone and hanging up. I filled out autopay fax form and sent it in with no response. XXXX fails all security setting. Site does not allow me to use a username name to login. They require me to fax stuff, it not 1980 anymore. And I get zero responses.
I am writing this letter to you regarding the service that I received from the credit reporting bureau Experian. Beginning in XX/XX/XXXX, I have been working with Experian Credit Bureau to dispute items that are posted on my credit report that are being reported in error. These items are drastically affecting my credit score in a negative manner and is causing me to be denied credit opportunities. I have sent four letters by certified mail within the past nine months to Experian Credit Bureau requesting that any, and all disputable items on my credit report be verified properly per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ). 


Certified letters were delivered to XXXX on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

According ; to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit reporting bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract on all accounts that are disputed on a consumers credit report. Along with the verification process, I demanded to see Verifiable Proof of ( an original Consumer Contract with my Signature on it ) for the accounts that were being disputed on my file Under the FCRA, disputed accounts must be removed, if the credit bureau is unable to provide a copy of verifiable proof ie. ( Consumer Contract with Signature ), then the disputed account must be removed from the credit report. I have sent Experian several letters demanding that the accounts be verified per the FCRA. In their response to me ; Experian has stated that the accounts have been verified and updated. However ; Experian has yet to inform me on how they verified the disputed accounts and they have not provided me with a copy of the original contract with my signature on it as proof that the disputed account has been accurately verified. 



I have enclosed a list of the disputed accounts that remain on my credit report, as of the last credit report that I received from Experian dated XX/XX/XXXX Name of Account Account Verification Status per Credit Bureau XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXXXXXX XXXX XXXX XXXX Paid Closed/meets requirement FCRA XXXX XXXX XXXX Charge Off XXXX XXXX XXXX XXXX Purchased by lender XXXX XXXX XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA XXXX XXXX XXXX XXXX Collection/Meets Requirement of FCRA
I 've been living in my home with my wife and XXXX children since XXXX of 2010. Everything was going well as planned until we ran into some financial issues. Our current mortgage is thru Bank of America and after falling behind a few months on my payments, I reached out for assistance. At first they tried to give me a 3 month forbearance, but after completing all paperwork required, and XXXX payment submitted, they decided to return my check and tell me that I did n't sign the last XXXX sheet in time, so I 'm no longer approved. Since then I 've been in touch with a representative who was trying to work with me on submitting more paperwork to be reviewed for help, but they came back again and tried to say I made a few XXXX more than I did. I was advised to resubmit the paperwork again with the figures that were exact ; I was told that if I do n't get approved then my only choice will be a short sale or foreclosure. I ve repeatedly expressed that I 'm willing to do anything and make payments but they do n't seem to care. I thought they 'd want to help someone willing to make payments but they 'd rather try and foreclosure or make me do a short sale. I do n't know where to go from here if I can not get assistance
I called on XX/XX/2016 at XXXX. Montana time, XXXX eastern time. 
XXXX Operator ID # XXXX was argumentive, refused to send a copy of the alleged judgement or garnishment. ID # XXXX implied that I have no rights to compel them to send any legal documents verifying that they have a valid judgement.
In XXXX spousal support {$500.00}. for 9 years. End of XXXX ' that ceased and I tried to work with creditor for the {$3000.00}. I owed. But they kept adding fees and continuing calls some XXXX x a day. I filed bankruptcy in XXXX that got lost. My kids unknowingly paid them in XXXX. I again tried to work with them to no-avail. Every time they sell the loan I get harassed. I explain everything XXXX times. The last company every day, threatening to come after me or take me to court. Which I am all for! Then I learned about Cease and assist no communication.so each time in writing I give it to the people. The last time was maybe 6 months ago. Today I got a phone call from the same number XXXX XXXX from a XXXX XXXX from XXXX Recovery. He said my balance was $ XXXX on a {$3000.00}. debt. In XXXX every day multi calls they harassed me so much I had a nervous breakdown. I did everything in my power to work with them to no prevail. My credit in XXXX was XXXX I paid my bills. In XXXX ' I lost my ; spousal support, lost my business, had my regular job cut, was paying {$1200.00} a month on health benefits and my son XXXX while living with he dad. I am a XXXX senior on {$1500.00}. a month. I make too much to get any benefits. I have no credit cards since XXXX ' I owe nobdy nothing and my credit score is XXXX all debts are over 7 years.
The company that is servicing my loan ( Shellpoint ) holds money in an escrow account. They are supposed to disburse my property taxes and homeowner 's insurance from this account when due, but so far they have not done so. The XXXX XXXX County tax collector website currently shows my tax as past due and my XXXX insurance agent says a payment has not been received, which would essentially mean my home is no longer insured. I have called them repeatedly to discuss this situation and no action has taken place. How can they hold my funds and not make these scheduled disbursement, the result of which is increased risk to me.
I have no clue to where this collection came from I never had XXXX ever in my life nore did I ever sign up for XXXX and I want this off of my credit report
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
I have contacted Transunion of several attempts about accounts that was reported to them. As I have been a victim of fraud and identity theft, I have also sent them several copies of a police report asking for them to remove the accounts : XXXX XXXX XXXX XXXX XXXX XXXX These following accounts are fraudulent and does not belong to me I have also asked that all XXXX inquiries be removed due to them being unauthorized
I see XXXX hard Inquires on my report that I didnt file for some are from states ive never lived in and or even visted
hello i have tried sevrel times to get experian to delete negative info that the company agreedto delete no response and there system will not allow me to do an online dispute
Credit inquiry glitch from TransUnion did n't fix the process. They refused to remove inquires on the credit report No 5 days notice. 
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
I have a a unverified account from XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatXXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Dear Consumer Relations, The reason for me filing this complaint is due to Equifax blocking me from getting a update copy of my annual free credit report from XXXX XXXX and order sites. The information on XXXX XXXX shows Equifax has block forwardong a updated report since XX/XX/2017. I have contacted Equifax several times to tried to resolved this issue to no avail. When I spoke to a representative about removing the credit freeze from my credit report, " she stated I don't care if you want to remove the freeze from your credit report '' because Equifax decided to keep your report block. I told her this is a violation and that I should be able to have access to my credit file. I am requesting your assistance in helping to resolved this matter.
I purchased a vehicle and was given a due date of the XXXX of every month.XXXX/XXXX/XXXX I called them and advised them I get paid on the XXXX of every month. I asked if I could change my due date. They said yes after the XXXX installment is made. I said ok. On Monday XXXX/XXXX/XXXX I made the payment online. I received a call around XXXX later that day and was asked for my last 4 of my ss #, full name, adrs, etc ... .. I told them I did n't feel comfortable doing that since I already made the payment online. I understand a call the same day if the number was already loaded into a phone dialer. So I called back and asked if they called and explained the situation. The guy who answered the call advised me that I would not get anymore calls, and made notes about the payment online as well as emailed me a payment date change form. Tuesday XXXX/XXXX/XXXX, I was n't comfortable giving my info out so I asked for a supervisor, I was transferred to another agent instead. I told the agent I wanted to speak to a supervisor, they refused said they were n't available. I told them I was at work and could wait any longer. I told her the whole situation, she advised me that a supervisor would call me back. I never received a return call. XXXX/XXXX/XXXX I still get a call.. I 'm being told for the third time that I will not receive calls anymore.
I had XXXX lines I cancelled XXXX line ( main ) then kept the second due to I would get charged early cancellation fee. However the main line was and had control of the second line thus I could n't change/pay or control my account. So I had no choice but to go to another company.