WillisBack/dataset-financial-user-claim huggingface dataset:
This is to show that XXXX XXXX that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted XXXX 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that XXXX will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by XXXX. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. XXXX can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from XXXX . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. XXXX ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX
I was promised graduation, a job & becoming certified. It spent XXXX for a XXXX program. I successfully finished my program but did n't receive a graduation or a job to pay off my loan. I am currently unemployed with a loan of XXXX that I can not pay off. They did n't help me get a job or find XXXX. I was left basically by myself to look for a job when XXXX was suppose to be promised. I 've wasted time and a lot of money on broken promises on bettering my future. I would like my money back or my loans forgiven. I do n't want to be in debt.
I had made a verbal phone settlement of the debt for XXXX of the original amount of XXXX and requested the company to give me the settlement agreement on this, and they refuse to give me something in writing stating we agreed on the 3 payments of XXXX + XXXX processing fee per transaction and once i make those payments the remaining balance will be forgiven and I would have settled for 50 % of the payment. The company refuses to give me something in writing and states that their company doesnt provide anything in writing untill the amount is paid off and is refusing to give me proof that once i pay the settlement amount the loan will be closed. They has made rude comments on the phone, and have been very degrading when i asked for documentation for an agreement of settlement, i told them i understand it is not paid in full but i need to know what amount im paying back and if they will uphold their end. 
Please help, I feel bullied with this company.
I have tried and tried to get Experian and my creditors by disputing through both to correctly report the accounts that were in bankruptcy. I noticed that XXXX and XXXX have made more of an effort but Experian has not. My spouse is having the same issues with Experian. Our Ch XXXX discharged. Post discharge, creditors are not allowed to report us a having a balance due or late. I have attached some print screens of my credit report with Experian report as of XXXX. They are telling me that I have 6 negative and delinquent accounts with bad payment history affecting my credit score. How can this be when 100 % of my debts were included in my Ch XXXX bankruptcy ( except the older, good credit ones that were paid off prior to our filing on XX/XX/XXXX ).? I have attached a discharge letter, claims history, and other evidence. If you will note, XXXX XXXX XXXX XXXX is showing a failure to pay in XXXX ( see the red FP ). They are not allowed to show me late in XXXX. You cant show lates or balances past my petition on XX/XX/XXXX. I have the legal right to open my bankruptcy case up again and file injunctions against all XXXX credit bureaus and every single one of my creditors, as they are all in violation of the bankruptcy discharge order. Might I remind them there is case law to support my position and claims : There is case law to support this : XXXX vs. XXXX XXXX XXXX and XXXX, XXXX ( Bankr. XXXX ). Here, the court relied heavily on two of my cases, XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX  XXXX ( Bankr. XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( In re XXXX ), XXXX XXXX XXXX ( Bankr. XXXX XXXX ), This willful refusal to correct my record post-discharge is robbing me of a fresh start. Also, both XXXX and Experian are now refusing to allow me to dispute accounts online. They are requiring me to send in all of my personal information and dispute by mail. This practice should be outlawed as it goes against what is supposed to be their purpose and that is to protect the economic system and the creditors. They are asking us to put everything in an envelope that someone could steal our identity with. I am not going to do this and I am surprised that the banking industry, who loses XXXX every year to identity theft, has n't lobbied against this practice by the credit bureaus. I will NEVER be putting my social security card, drivers license, birth certificate and other requested identification into one envelope in the mail. That is not only the stupidest thing anyone has ever asked me to do but also a risk that I should not be asked to take and the credit bureaus should be obliged to handle my disputes regardless of this.
On Thursday,  XX/XX/XXXX , Chase shut down all of mine and my wife 's credit card accounts (  XXXX  in total ) without any prior notice and we were sent notice a few days later that they will be shutting down our checking and savings accounts on XX/XX/XXXX . After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : '' The banks exercised its right to shut down your accounts. '' After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all  XX/XX/XXXX . At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.
An account appeared on my credit report with a balance of {$950.00} When I disputed this on XXXX XXXX which is how I found this account. I was not able to get a resolution. since then I have received letters stating that this debt is beyond the statute of limitations yet the company is still reporting this debt that I have knowledge of ever obtaining or raking up.
I received a phone call XX/XX/XXXX @ XXXX from a private number. The caller stated that she was with XXXX County courts and was calling in regards to a civil suit involving US Bank. When I began asking for specific information about this case she provided me with a phone number and reference number as follows XXXX ( XXXX ) XXXX Reference # XXXX. The caller then proceeded to transfer me to the agency. When the agency answered the phone I provided them with the above listed reference number. I was transferred to a woman named XXXX XXXX. XXXX proceeded to tell me that this case was in regards to an account that I had in XX/XX/XXXX with US bank. She stated that there were 2 separate checks written that totaled the amount of {$2300.00} and that with collection fees and attorney fees the total now exceed {$3000.00}. I then asked XXXX what agency she was calling from and she refused to provide the information. I asked XXXX for an address in which I could mail an inquiry letter and she stated " we are a national company so you are not able to mail however I can provide you with a fax number ''. During this conversation XXXX began to raise her voice and cut me off while speaking. I requested to speak to a supervisor and was told that I could not. When I asked why I was not able to speak to a supervisor XXXX informed me that she was the supervisor. At this time I informed XXXX that if she was not able to provide the information that I needed that I would have to contact a lawyer. At this point XXXX hung up on me. 
After I got off of work at XXXX I called the agency back. A gentleman named XXXX answered the phone and after providing him the reference number XXXX informed me that XXXX had left for the day and would return tomorrow. I asked to be transferred to XXXX 's supervisor and he stated that XXXX 's supervisor was also out of the office. I asked for XXXX 's supervisors name and he stated that he was not permitted to provide this information and hung up on me again. Both instances in which I was hung up on there was no warning regarding termination of the call. I have since been calling the above listed number multiple time XX/XX/XXXX and have only gotten answering machine. The message that is recorded does not provide information on what agency I have called and I am unable to leave a voicemail as the mailbox is full.
HELOC account involved in short sale XX/XX/XXXX. Republic Bank still reporting to my credit that it is late even after the bank charged it off XX/XX/XXXX. Stating payments of $ XXXX per month with {$28000.00} past due. During settlement, they got {$3000.00}. Prior to that I gave them XXXX and XXXX. I did everything I could to stay above water. I had several mortgages with them totaling over {$500000.00} and paid them all off. The HELOC funded those mortgages. Called Republic the other day and have had to call them back again and spoke with XXXX representatives, XXXX tried to get screen shots of my credit and the other, debt collector, did n't disclose as such and tried to get my divorce decree and said that once child support order is over for my exhusband he has a motion to garnish his retirement waiting. Needless to say, my husband and I got divorced over this, he left his job of 20 some years as he had to have high security clearance, we have lived in poverty with XXXX kids, they wiped out my bank account XX/XX/XXXX. They said the XXXX is missing. When I asked for an appraisal years ago, it too, was missing. I have a feeling the property was over appraised in the first place in order to facilitate me getting more mortgages with them. The second representative said I was faced with paying or bankruptcy again. I did n't file the first time when I easily could have, ditching about {$500000.00} worth of loans with them and I did n't. I paid them XXXX a month on that loan for many years. This is never going to end. I am trying to get into a low income housing program, and I ca n't because of this thing on my credit. Foreclosure would have provided me more protection. I bailed it out of foreclosure at least once in hopes of selling it, I rented it out trying to buy time, etc. At the time, Republic was so fierce and yelling at me all of the time. I have emails documenting some of that. They would call my husbands work about collections which is why he left. They were very difficult to work with trying to come up with a settlement. I also have those emails from the short sale person. I have managed to turn things around for the kids and I but now this is back.
hello, I 'm having trouble every month making my payments to the capital one buy power card on their 24 hour customer center phone number on the back of the card XXXX XXXX when ever called to make a payment around the end of beginning of the month the recorder goes on and on like if it does n't hear me or cant understand me, when pass on to a live representative they say it will take 5 minutes because of high volume, of course their automated service is not responding, so every customer has to go thru to the live representative which in turn charges a process fee or a late fee when card payment is not made on time. I got so mad I told the customer service agent this was my ( 2 ) second month calling and that the electronic system is not working properly and it passes me down to them so they can charge a fee for processing my payment, he acted like he could n't hear me, and when I said your answers indicate you can hear me he hung up. I called back and the call magically went thru without a hitch goes to show me they 're manipulating the system so people can use the live customer service agent and charge the fee to process a payment or late fees when payments are not made on time.
I do not have a signed contract with SENEX SERVICES CORPORATION, I am not liable for collection of this debt from XXXX XXXX XXXX. I am not responsible for this debt. 

Filed a complaint with BETTER BUSINESS BUREAU XX/XX/XXXXof 2017. SENEX SERVICES CORPORATION did not send back a VALIDATION OF DEBT containing a signature. Simply sent a piece of paper disclosing medical services that we recieved that I do not recognize. The debt is in the amount of {$1300.00}. 
Desired outcome to be DELETED FROM CREDIT REPORT. 
Reporting this onto my credit report was not legal.
RGS Financial is reporting a medical debt in the amount of {$300.00} that belongs to my minor step daughter. My step daughter does not live with me and never has. I have never taken my step daughter to any medical appointment and have never signed anything saying that I would pay for medical expenses for her. The name listed on the bill that RGS Financial sent me belongs to my step daughters biological mother. The name on the invoice is that of my step daughter. I think when my step daughters mother took her to the dentist office and they used my insurance policy, the dental office attached my step daughter to my established account that I have for my biological son. This company can not and does not have documents where I signed and agreed to pay for medical expenses for my step daughter. I am not my step daughters guardian and HIPPA would prevent me from even obtaining information from a medical provider in reference to her. Please have this collection account removed from my credit report immediately as it does not belong to me.
I received confirmation from Equifax that the Historical account information would be deleted ( see attached documents ) The items were not deleted. Please permanently delete.
In XX/XX/2008 I took out a student loan with XXXX XXXX. I defaulted on the loan. Now the contract has been breached because it has changed companies. Navient has the contract and they are using another collection company to get me to pay.The company is XXXX XXXX XXXX XXXX. The amount owed is $ XXXX account is over XXXX years and needs to be deleted from my credit reports.
Upon reviewing my credit report I noticed a collection agency by the name of Commonwealth was reporting collections for me that I had no idea who they belonged to as I have no knowledge of this debt the company claimed I owed. I disputed the collections with the credit bureaus several times and they have instructed that I contact the collection agency directly. I attempted to contact Commonwealth by certified mail requesting validation of debt and as of date the company has failed to respond to me and continues to report inaccurate information despite my notices.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are  required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX  , XXXX, OH XXXX XXXX XXXX CT , XXXX, OH XXXX
Hi, Citibank act ending XXXX, with customer reference # XXXX has conacted me via phone and now thru this letter stating I havae previously enrolled in a credit protection an optional debt protection program for a monthly charged fee. 
However, I have n't had a citibank credit card in the last 10 years. I am concerned because 1- I never signed up for a citibank credit card and I never signed up for this protection plan. and 2- I am concerned that someone trying to be me is using my info and has established my identity. Can you please see what this situation is about. I don ; t feel comfortable giving any of my info to citibank. 
Thank you, XXXX XXXX
This has been a 12 plus year ongoing saga with the credit reporting agencies Equifax, XXXX, and XXXX XXXX. They have been complicit in reporting inaccurate, outdated, and incomplete information on my personal credit report. This inaction or outright complacency has aided fraud to be displayed and reinforced on my character. I have suffered great pain and harm by their hand, so I am seeking relief and the opportunity to finally live the American Dream. My latest attempt around XX/XX/2017 to fix these huge issues were basically ignored. I have attached the letters that were sent to the above organization with the hope that you can free me from this virtual fraudulent debtors prison. I want to buy a home, I want to start a business, I want to take trips, but I cant because of this oppression. Please help me!!
I entered a loan rehabilitation program over a year ago with a company Performant. I was told if I made 9 consecutive payments that I could a avoid going into default. I made those payments and did n't hear back from them so I called them and they told me that I was n't in their program, that I had signed a paper that I did n't want to be in their program, which I found out later that I had. The paper was entitled Confirmation of Agreement and towards the bottom it did say that if I did n't want to be in their program that I should sign it. However, I never knew I was n't in their program. Those payments were going to them and they never told me I was n't in their program. So I went into default and now they have been garnishing my wages for over a year. Do I have any legal recourse at this point?
Did an installment loan with XXXX XXXX for XXXX. The Rep informed of the amount that was going to be taken out of my bank account every 2 weeks. I called to inquire about my balance and learned that I still owed them XXXX. I became upset because the Rep did not explain to me that they charge a daily fee plus interest. I was told I would paying XXXX every 2 weeks until XX/XX/XXXX. They didn't tell me that I would be paying the interest and other fees first. I feel they owe me some money back.
On XX/XX/2017 I was notified by a credit monitoring service that your agency placed an account on my credit files for collection. I have not received a dunning notice or had any communication with Commonwealth Financial Systems, which is a direct violation of the FDCPA Section 809 ( a ) because your agency never contacted me within 5 days of initiating collection activity against me. More so, it is also a direct violation of Florida Statute 559.715 because I was never given a written notice of bill assignment at least 30 days before any action to collect the debt.
My old pay off Student loans All pay off XXXX XXXX loans And Transunion XXXX XXXX Three reporting companies Will not remove from my report all Account that are old and pay off And written off account are all pay
On XXXX XXXX I called XXXX XXXX Bank to inquire about a debt that I had. My call was re-routed a customer service representative at Resurgent Capital Services who stated that the debt owed to XXXX XXXX Bank was not handled by that financial entity. She proceeded to tell me ; however, that I owe {$1100.00} to XXXX XXXX Bank, an account that had been opened in the year XXXX. 

I proceeded the tell the customer service representative that I had already paid the debt to XXXX XXXX Bank approximately 10 years ago and that I had closed the account. Furthermore, I told her that the deb to XXXX Bank showed as Paid on my credit report. She told me that it did not matter and that I still had to pay the debt. 

On XXXX XXXX I received a letter from Resurgent Capital Services stating that I have a current balance of {$1100.00} which is not accurate. I spoke with XXXX at XXXX Bank today and she confirmed that my previous balances were paid and that I do not owe any thing. I checked my credit report today and it states that XXXX accounts with XXXX XXXX, each for {$250.00}, were satisfactorily paid in the year XXXX. Upon completion of the payments, I closed both accounts. 

XXXX also mentioned that former and current XXXX XXXX card holders have complained about Resurgent Capital Services mailing them letters regarding erroneous outstanding debt.
First off my credits are non transferable. Which they lied and told me the wer accredited and that my credits would transfer. The credits do n't transfer. Second they never told me how much my program was going to cost. I did n't find out how much it costed till the day I got the letter in the mail from the loan company after I graduated. Plus now the program in took is XXXX dollars cheaper than it was when I attended.
XX/XX/2018 : A debt collector has reached out to me via phone to collect a debt for XXXX from 5-1/2 years ago. There has been no prior billing for this fee. I asked them for written verification of the details of what this bill is for and they stated that they could not provide but I needed to pay the bill. 
XX/XX/2018 : Received a USPS mail communication dated XX/XX/18 providing the requested information. Attached was a bill from XXXX showing a payment received of {$360.00} with a balance due of {$140.00} from XX/XX/18. 
XX/XX/18 : called Southwest Credti at XXXX and spoke to XXXX XXXX. She reviewed the collection and was not notified in her system of a 5 year statute of limitation in Illinois and they have a policy not to dismiss any debts. I asked her to verify that they would no longer be contacting me on this debt and she agreed. She then told me she would transfer me to the Executive Relations Manager as I told her I was filing a claim with the CFPB. I was put on hold for several minutes and then directed into a voice mail for the Executive Relations Manager. I did not leave a message.
On XX/XX/XXXX my father XXXX XXXX XXXX opened an acct. with XXXX XXXX for a loan of {$7400.00}. My father passed away on XX/XX/XXXX. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX via being served to appear in court for this debt. I contacted XXXX XXXX and XXXX XXXX   stating this was not my card and they told me my credit was used to obtain the card which i find hard to believe because my credit score has  been below 550 for several years. My info is : XXXX XXXX XXXX XXXX / XXXX Address : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Ph # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX