WillisBack/dataset-financial-user-claim huggingface dataset:
filed an dispute with XXXX XXXX XXXX on. XXXX XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised, XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX XXXX XXXX.
On or about XXXX/XXXX/2015, I received a voice mail from XXXX ; they were looking for a party other than myself. I promptly contacted the number, inquired about the company ( MAC ) and informed the representative that I would very much appreciate if their company made no further attempts to contact me, and to do so would be considered as a violation of my right to privacy. On or about XXXX/XXXX/2015, I received another call from the same number. I repeated the steps taken in the first call. On or about XXXX/XXXX/2015, I received several calls from an " unknown '' number. Contacted XXXX ; was informed that they had in fact called and would continue to call. So, I continued to call them. After s-e-v-e-r-a-l calls, I began being threatened with law enforcement, litigation, and was even threatened with calls at XXXX XXXX.
Payments are current. Have not received escrow or account information since XXXX, XXXX. Today is XXXX XXXX, XXXX. My payments have also been fraudulently inflated for the same period. Mortgage account transferred from XXXX to NationStar property services in Texas. NationStar continues to cash my checks without sending me any accounting of my payments. I have reached out to XXXX XXXX, Investor ; but still have no results. I have a federal HARP loan modification.
Wrong employer on Transunion Credit Report. My current employer is XXXX XXXX XXXX. They have wrong employer information.
Equifax Security Breach : I called Consumer Financial Protection Bureau ( CFPB ) regarding this fiasco. According to the representative, the CFPB is responsible for the credit bureaus and will be addressing this issue in respect to policy, etc. I explained to the rep ( although she has no power ), that this is the perfect opportunity to change the game on how these types of agencies conduct business and impact individual lives. Per the rep, individuals can go to the CFPB website and submit comments, complaints, suggestions, ect., to CFPB for consideration. I would like to recommend that TYT  address this issue on your show and provide the link for the CFPB to be bombarded with consumer requests to address our concerns with the credit bureaus in general and not just this specific breach.
ISSUES : 1 ) I did not agree to my information being shared with these credit bureaus.
2 ) I do not agree that these bureaus should be able to make money off of my personal information.
3 ) I believe that XXXX was negligent in their responsibility to protect my information 4 ) Credit bureaus have too much influence in my life on all levels.
5 ) Credit breaches should be corrected and individuals made whole by the agency where the breach occurred and not be the responsibility of the individual.
I request debt validation fro m ARS   whe n I noticed it appeared on my credit reports. I never received any notification from this company, and it was showing up as a medical debt which should never be the case, because I have health insurance. I sent my initial request on   XXXX   XXXX   XXXX   They responded without providing debt validation. They provided not documentation with my signature or any paperwork showing that I agreed to this debt. I sent a follow-up notice on   XXXX   XXXX   XXXX     stating that this debt had not been properly validated and that I wanted it removed from all of my credit reports. They have not responded, nor has the collection been removed from my credit reports.
I filed a previous complaint against Equifax case number XXXX which has been resolved, but since I filed the complaint Equifax blocked me from assessing my credit profile. 

1. Equifax placed security questions on my credit profile that has nothing to do with me.
2. I called them several times and can not get the issues resolved. 
3. One of the security questions say that I open an auto loan/lease, I have no car loan or lease.
4. The payment for the security question says I that the auto loan/lease is between {$700.00} - {$1000.00}. Now the change the payment questions to {$75.00} - {$270.00}. 
I have no open credit, but my student loan. 
5. The security says that I have open credit cards, which I do n't. 

This only occurred after I submitted my complaint against Equifax.
My issue is related to the creditor XXXX XXXX. I have notified XXXX XXXX in writing and also by disputing on my credit report a claim that is not accurate. I have n't ever had a mortgage as reported by XXXX XXXX I 've disputed this with them over the phone with minimal results. I 've asked for a copy of the contract bearing my signature or any documention proving my knowledge of account without any results. I 've asked for verification of the alleged debt and XXXX XXXX has n't provided me with anything. Please help!
XXXX account was closed and last bill was paid. But for unknown reason XXXX kept billing me and placed the account to Diversified Consultants , Inc collection agency. They imminently start calling me. I asked them to send me a letter of verification but was never received.
EOS CCA XXXX Phone number ( XXXX ) XXXXThis company is trying to collect a debt from XXXX XXXX XXXX social security number XXXX address XXXX they have reported this on my credit report. I am not and never have been XXXX XXXX XXXX. How the hell can these XXXX report someone else on my credit report? The name, address, and social security number are completely different. I just got XXXX to correct this and now the dishonest XXXX are reporting it to XXXX XXXX. I have spoken to XXXX at length on this issue and I do not have any outstanding debts with them. 
If sticking other peoples debts on my credit report is n't illegal it should be
This is my 5th attempt to get this information corrected. Please help me!!!!! It is an obvious reporting error based on the documentation from THEIR OWN COMPANY. I 've included the copy of the credit report as well as the deferment verification letter that the company provided me with. 
The reporting errors listed below are : XX/XX/XXXX-90 in XX/XX/XXXX and 120 in XX/XX/XXXX/my loans were deferred from XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX 90 and 120/My loans were deferred from XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX for 90 days/ my loan was deferred from XX/XX/XXXX-XX/XX/XXXX
Chase received the short sale offer on XXXX/XXXX/16. Due to Chase 's stall time in reviewing the file, the appraisal has expired and new appraisal needed to be ordered. USDA will not review shorts sales if the sheriff sale has occurred. Sheriff sale is scheduled for XXXX/XXXX/16. On XXXX I requested that Chase postpone the sheriff sale. As of today XXXX Chase still has not postponed the sheriff sale. This is unacceptable as we have a short sale offer for the property. We consistently have issues with Chase and their review process for short sales. File has been escalated through Chase as well and still no postponement of sheriff sale. Sellers are trying to do the right thing by doing a short sale and not letting the property go into foreclosure and Chase is harming our clients. Please submit this complaint to Chase to have them postpone the sheriff sale date ASAP!
My accounts have been charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't 3 weeks after I presented the issue to them and up to their legal department and several trips to their local branch office. 

I want the bank to refund all monies that is owed to me through these unauthorized charges since the opening of both accounts.These accounts were both checking and savings, only one option is being allowed in the drop- down field below.
I received a notice from Wells Fargo Home Mortgage in the middle of XX/XX/XXXX that there was an escrow shortage and I could pay it in advance. Otherwise, my monthly mortgage payments would increase. ( I have received these notices in the past with other mortgage lenders, including with this lender, have paid the escrow shortage and my monthly payments remain the same ). But in this case, I paid the escrow shortage on XXXX XXXX by check, but my mortgage payments still were increased effective XX/XX/XXXX! I called their Customer Service number in XXXX, inquired why my mortgage payments still increased when I had payed the escrow shortage in advance? Their response was that they may not have gotten all the advance notice of increase in property taxes in time and that was the reason for the increase in mortgage payments. I responded that this didn't make sense. They apologized but that was their explanation.
When my mortgage loan was taken over by the new servicing bank ( Fifth Third Bank ), I immediately signed up for electronic notifications via e-mail for new statements. That was XX/XX/XXXX and since then, I have never received an e-mail, text, or phone app notification when my statements were ready for viewing. I've repeatedly reached out to the company for resolution but have yet to be provided with any. Furthermore, the statements are generated on a random cycle without change to the payment due date. This leads to an unreasonably short window of time to make the payment for the amount listed on the statement. Below is a history of statements.

- Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date ofXX/XX/XXXX - Statement generated onlineXX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXXfor a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX - Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX- Statement generated online XX/XX/XXXX for a payment due date of XX/XX/XXXX.

- Statement note yet generated for a payment due date of XX/XX/XXXX.
I had a consolidated student Loan through XXXX, made payments on it over time. When my son was born, he was in the hospital for four month, I got a deferment. The deferment ended sooner than expected and I went into default. I made XXXX payments to Transworld Systems Inc to get my loan out of default. After that, they said it would be up to 60 days before someone bought the loan. It has been four months, I continue to make payments to Transworld, and I am still listed as in default. In addition, it was a 15 year loan and I now owe more on it than when I started. Because of my family 's unique situation, we need to apply for a mortgage immediately, and we have built our credit up to do so, but are unable to do anything until this gets resolved. All XXXX of us ( wife and XXXX kids, XXXX with XXXX ) have been living in my in-law 's basement while Transworld continues to list me as default even after I complied with my end of the agreement.
I was alarmed when " Late Payment '' notifications began appearing on my XXXX Credit Report in XXXX 2016. They were listed as a collection by Stallings Financial Group, on behalf of XXXX XXXX XXXX XXXX ( XXXX in the state of XXXX ). I am not their patient nor am I a resident of XXXX. I 've lived in XXXX for four years, and XXXX for two years before that. Three separate attempts to contact Stallings Financial via the email listed on their website were ignored. I contacted XXXX XXXX directly, and they expressed interest in helping me resolve the error. XXXX, a representative of their office, replied to my message, and was successful in reaching Stallings Financial. XXXX instructed me to contact " XXXX '' at Stallings Financial. When I did so, " XXXX '' directed me to contact a different number. When I attempted to reply to " XXXX '', her e-mail suddenly came back as " undeliverable ''. A subsequent attempt to contact the generic information e-mail listed on their public website regarding the disappearance of " XXXX '' returned another " undeliverable '' error message. I 've never received a " letter of validation '' for this debt, and my attempts to request one are being blocked.
My account with XXXX XXXX XXXX XXXX, XXXX. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and Experian. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You
I am writing this letter today, to inform you of an egregious error that appears on my credit report. Seterus INC is reporting that I have an active mortgage account with their company that is actively past due. The account number this account is listed under is XXXX. 

The Seterus INC ( XXXX ) account was included in a Chapter XXXX bankruptcy that was discharged on XXXX XXXX, XXXX. I am attaching a copy of my bankruptcy discharge letter, as well as section D of the filing documents, which lists the original name this account was under. 

The bankruptcy that resolved Seterus INC XXXX XXXX XXXX has already fallen off of my credit report due to time. This begs me to ask : If the bankruptcy that resolved the account has already been deleted, why is this account still reporting? The discharge of this bankruptcy would make the date of last activity in XXXX, which was eleven years ago ; so I am demanding that Seterus INC ( XXXX ) be removed from my credit file immediately. 

Worst case scenario, if the Seterus INC ( XXXX ) account does remain on my credit report, I would at least ask that accurate information be reported about this account. It should report at resolved through bankruptcy in XXXX, and should report absolutely no delinquent pay history after XXXX of XXXX.
This is a rental collection for a lease on an apt i had with my husband we were both lease holders, the collection agency was initially reporting the full judgement amount of {$3900.00} + some {$400.00} in interest ( not mentioned in court ruling ) as an individual responsibility which is outright incorrect. 

I started a negotiation with them and they told me that my part of the {$4300.00} was {$1900.00} ( they took off the bogus interest and my husband 's responsibility amount ) so i negotiated that amount down to {$1500.00} with the condition that the account be reported to credit bureaus as deleted and even received a letter from them in writing acknowledging that. 

I did my part and paid the amount in XXXX and contacted them to confirm, and they confirmed to me that the account will be deleted on XXXX. At the end of XXXX i received a letter from them saying that my part of the account is paid in full and that it will be reported with the appropriate paid status, so i called them again to confirm that it 'll be reported as 'deleted ' and not just 'paid ' and they confirmed that to me again. 

Now due to the fact that no building will approve a leasing application with a rental collection on my file, i had to rent a sublet where i live an work in XXXX which is extremely expensive now during tourism season but i had no choice and I am currently approaching the end of that short term lease and with the thought that the item was reported deleted i submitted a rental application that is currently pending that i 'm sure to lose, because not only did they not report it as deleted, or even paid, it is still being reported as unpaid with the full amount again minus what i paid them. 

I have called them over 5 times and each person i spoke with confirmed to me that they reported it to XXXX and XXXX as deleted and they even claimed that after that only the credit reporting agency can delete an account, so i contacted XXXX and managed to get to a helpful person that confirmed % 100 to me that the account was never reported deleted or paid AT ALL, and the collection agency is being unresponsive and today i ca n't reach anyone there.
Called XXXX Suntrust HAMP Settlement Friday evening XXXX XXXX in Refrence to Suntrust Hamp settlement. My question was WHY do n't I qualify. It is a XXXX Loan. I waited on call back from XXXX neutral party XXXX XXXX XXXX XXXX on Wednsday XXXX XXXX. Got an email from XXXX XXXX on XXXX XXXX XXXX stating that I am eligible to participate in the settlement and a Participation Packet would be mailed to me at address on file. I received another phone call and email on XXXX XXXX from XXXX saying " sorry for the confusion but the person that sent me the email saying that I 'm eligible made a mistake '' and now I do n't qualify. I sent another email yesterday XXXX XXXX asking to give detailed explanation of why do n't I qualify when my loan meets all the requirements to be eligible for settlement. A lot of confusion going on. I would like to know why I 'm not eligible when my loan fell in between the time frame for the Suntrust HAMP Settlement. I filed XXXX loan modifications in XXXX and XXXX during the HAMP settlement time frame.. They asked for documents that I had sent repeatedly leading up to my foreclosure date. I made XXXX trial payments. The loan was a XXXX loan. My loan # XXXX. Property address was XXXX XXXX XXXX XXXX XXXX XXXX.
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to Chase numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called Chase over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking Chase to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the Chase personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
XXXX XXXX XXXX refuses to provide my consumer report to me. I am trying to request my report to verify that all of the fraudulent information has been removed from my report, as stated from EWS they stated in several letters the fraudulent information was blocked, however i am trying to confirm. I did attempt to request the report by the online portal, by phone. It seems that no one is willing to assist me in obtaining a copy of my report. I have a legal right as a consumer to request a report. Please review and send me a copy of my report by email, and please confirm that XXXX XXXX XXXX XXXX is not listed on my report. They have attempted to add numerous fraudulent accounts to my credit reports and i want to confirm if they are on my EWS report that these are blocked as fraudulent. I never opened any accounts with them, never opened membership and did not authorize any accounts with their institution. I have sent them an FTC Affidavit and notified the local police department, yet someone within XXXX XXXX continues to use my information. I do not know whom in their institution is fraudulently using my information but it concerns me.
This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$3800.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Paid student loans to Sallie Mae ( I 'm co-signer for my son ) - XXXX separate loans beginning XX/XX/XXXX. XXXX began XX/XX/XXXX when I paid the installment payments for the the XXXX loans through my banks bill pay system. Sallie Mae lost XXXX of the checks and asked that the bank send photo copies of issued checks to which my bank said it was unable. Sallie Mae requested the checks be voided and reissued. To avoid the problem repeating itself ( lost checks ) I submitted payment electronically in one lump sum for the XXXX loans whose payments were lost. Between the XXXX check for XXXX of the loans they did receive and the lump sum electronic debit for the XXXX loans whose checks were lost, Sallie Mae applied incorrect amounts to the loans. So they applied larger payment to loan requiring smaller payment and applied the smaller payment to the loan requiring the larger payment. Consequently, XXXX loan shows that I 'm behind and the other that I 'm ahead. I 've have spent hours - approximately over 7 hours with countless customer service reps - each time having to hear how I 'm late and need to pay and no nothing about my situation. I was required to send copies of my bank statements to prove I had paid. I have visited with managers who say that they can not redirect already allocated payments. I continue to receive emails saying my account is past due when it is not. It has been over 3 months now and it is still not resolved.
I have requested numerous of times for a permanent modification in order to obtain a long term solution for my mortgage loan. However, PNC Bank refuses to offer such assistance in order to modify my loan from a " balloon '' to a fix rate mortgage. XXXX I was in the process to refinance with them in order to obtain a new loan with a fix rate, but I became unemployed. PNC " denied '' my application to refinance and for a modification because I was unemployed. I 'm back to work now and I still do n't qualify for a permanent modification because now I have income. PNC has been " Deceptive '' in their practices to make a decision for my application to obtain a modification. Not only has PNC been " Deceptive '', but " Discriminatory '' towards the location of my property since it 's seems most of the residents in XXXX, IL are being denied assistance.
XXXX sent a letter to TransUnion disputing a bankruptcy that is listed in my credit file requesting validation that it belongs to me. 
XXXX received a letter from TransUnion stating that they " verified '' that the bankruptcy and that there would be no change, but did not provide proof used to validate that it belonged to me. 
XXXX sent a letter to the US Bankruptcy Court requesting confirmation of what their procedure is for verifying records to credit reporting agencies. 
XXXX received letter from the the US Bankruptcy Court stating that the Clerk 's Office does not report information to credit agencies. 
TransUnion found this information on third party research and did not get the information they are reporting from the courts as they do not verify information. Therefore the bankruptcy must be removed.
I receive collection calls before XXXX ( my time zone ) at least once a week from XXXX regarding a XXXX XXXX Credit Card.