WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX XXXX Attn :  Dispute Department, I am writing to dispute the following information contained in my credit file. I circled the item I dispute on the enclosed copy of the credit report that I received. 

The 30-day late payment being reported by XXXX XXXX XXXX is inaccurate because I have never paid 30 days late. 

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX. I made timely payments to XXXX XXXX XXXX beginning XX/XX/XXXX through XX/XX/XXXX, and have never paid 30 days late. After making 12 timely payments on the XXXX XXXX XXXX XXXX, I upgraded to a XXXX XXXX XXXX XXXX purchased from XXXX XXXX XXXX of XXXX on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX/XXXX XXXX XXXX XXXX, on XX/XX/XXXX. I spoke with XXXX, a representative at XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. Customer Service Call Center, regarding the 30-daXXXX late payment being reported on my credit file by XXXX XXXX XXXX. 

She advised me that they were reporting the 30-day late payment accurately. I advised her of the new car purchase on XX/XX/XXXX, and XXXX XXXX XXXX of XXXX had paid off the XXXX XXXX XXXX XXXX. She then stated that according to their records, a check was received from XXXX XXXX XXXX of XXXX on XX/XX/XXXX, to pay off the XXXX XXXX XXXX XXXX. She advised me to dispute this matter with the credit bureaus. 

Below is the account information on the XXXX XXXX XXXX XXXX : Account # XXXX Purchase Date - XX/XX/XXXX XXXX XXXX XXXX XXXX VIN # XXXX Lienholder VT XXXX XXXX XXXX I am submitting a letter from XXXX XXXX XXXX of XXXX as proof acknowledging they are fully responsible for the 30-day late pay off and not me. Therefore, XXXX XXXX XXXX should no longer report this inaccurate information to Experian. 

Please correct this accounts inaccurate, negative status of 30 days late, to a positive status such as Pays as Agreed, immediately and send me an updated copy of my credit report reflecting this correction. 

Sincerely, Enclosures : Copy of credit report Letter from XXXX XXXX XXXX of XXXX
Dear XXXX. 
In XXXX of 2017 I was hospitalized and asked my spouse to make my Toyota Motor Credit payment for me. My wife 's English is not so good and we do not have children or other people that help us. So she called Toyota Motor and made a payment for the XXXX account which is less than our Toyota Motor account payment. The payment was received by Toyota Motor Credit for less and I was reported late on the payment for that month.

I wrote a letter to Toyota Motor Credit with explanation as what had happened but they refused to correct it as they complied with Fair Credit Reporting Act. 
My point is why they should agree to a partial payment when that is not the amount due. Had the system rejected the payment we would have known that there was a problem with the payment. But they gladly took a {$100.00} less payment and reported me late on the XXXX payment. I think that is not fair as they collected the payment, a partial payment must not be accepted and their system should somehow say that payment was not satisfied or a letter should have followed that only a partial payment was received and that the payment made did not cover that month 's payment due.
This is my second time reaching out to XXXX, XXXX, Trans Union to request a investigation on the following account. XXXX I am not requesting XXXX to validate the information that is reporting. I was a Victim of Identity theft I have provide the police report and FTC regarding this account. After contacting the first Collection that was reporting the account XXXX XXXX XXXX XXXX this company sold the account to XXXX XXXX XXXX. After I requested the company to remove this account due the fraud. I am requesting XXXX to BLOCK the reporting of this account from being reported and resold by debt buyers.
I was called by someone that said ace cash express gave them my info and that I owed them money for a loan. He asked me to make a payment over the phone I refused because I did n't know if it was a scam. He then became very disrespectful and vulgar calling me various names.
In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this account.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
XX/XX/XXXX-exhausted my going back to school defermentXX/XX/XXXX-ca n't lower payments because they take my cosigners income in consideration to my income. Wo n't try anything because his income needs to be added into financial hardship. Which wo n't help because two incomes wo n't show that I 'm i ca n't pay that much. We do n't speak anymore and his income is not my income it 's supporting his family and their expenses.
Dear XXXX ID # XXXXThis is another QWR being filed. SLS has not taken care of sending documents to the county for recording and sending us the relocation assistance. 
In response to your letter dated XX/XX/2015, you made a statement that the paperwork has been internally approved and will be executed and forwarded to the county for recording as soon as possible. SLS is unable to advise as to the time it will take for recording once the document has been forwarded to the county for recording. The funds for the relocation assistance will be provided once we have confirmation of the recording at the county. 
XXXX, the issues are as follows : ( 1 ) For months I 've been told it has to go to recording. Each time I 've asked your agents and XXXX XXXX, who is the person to talk to, your agents and/or XXXX XXXX would tell me that 's not their department and have a supervisor call me, and a supervisor never calls. 
( 2 ) Since SLS has not sent the documents to county for filing, you have not sent the relocation assistance. 
XXXX, I need for you to tell me the person who 's responsible in having the deed/title processed to go to recording and why is it taking so long for your company to send to the county for recording and send the relocation assistance? 
For months, I 've been getting bureaucratic answers and no one has sent or processed the documents to go to recording. As you mentioned in your letter, there is no liens on the Deed/Title, so the next step is to go to recording. 
Now, I know you SLS do not process the recording documents, but I 've talked to the supervisors in county recording, and they told me that it would take XXXX hours to process, once they receive the documents from SLS. 
Again, I 'm asking you to provide me the name, phone number of the person, who is processing the documents to go to county for recording. 
SLS has not been truthful with me and sending me through your bureaucratic process, which I should not have to go through. 
Per your letter dated XX/XX/2015, we have met all of the requirements and the DIL was approved by SLS. 
Again, I asking for SLS to send the documents immediately to the county for recording and send us the relocation assistance, that we 're entitled too. 
Awaiting your response. 
XXXX XXXX
Mortgage lender, XXXX XXXX, of Bank of Albuqurque, recently sent me an email stating he wants me for his new home improvement line of credit program, after he recently refinanced our home through the XXXX His assistant urged me to apply, and reluctantly I did, stating to her I would be turned down. She said no, I would not. I went ahead, and she called back and said I was turned down. So that burned me pretty good. And it was apparently mean-spirited. Or just incompetence.
XXXX XXXX has a collection entry added to my credit reports. But after further research, I have learned this collection agency is not licensed to collect in my state. In the state of Louisiana, debt collectors are required to be registered in order to collect. Also, I have never received any type of notice from this company in reference to any bill. I had absolutely no knowledge of this company until they added an account to my credit reports. Since they are not licensed in Louisiana, they are now in volation of the law. Therefore, I am now demanding that this company delete all of their entries from all three of my credit reports. Their reporting has led to serious damage to my credit reports.
I received a notice letter from the XXXX XXXX XXXX regarding garnishment of my wages by Capital One. I have no idea what this debt is in regards to. The notice says XXXX XXXX XXXX XXXX, but there is no account information listed on the notice. The notice then says " to view the document, click the link below, '' which is impossible to do on a hard copy letter. When you type into a web browser the addresses given, there are two separate documents : a court order dated XXXX XXXX, XXXX and another document that appears to be dated XXXX XXXX, XXXX. Both of these documents have a judgment date listed as of XXXX XXXX, XXXX. Neither of these supplemental documents lists an account number either. 

I have checked my credit report for information regarding this debt and the only thing that shows for XXXX XXXX XXXX is a credit card I opened approximately a year and four months ago with a " Current '' payment status as of XXXX XXXX, XXXX. There is no other mention of a Capital One account. I have not received any other documentation on this garnishment order other than this unofficial-looking, so-called notice. 

Why would Capital One extend a new line of credit to me if they were still pursuing previously owed money from me? In addition, if a judgment was issued for this on XXXX XXXX, XXXX that would mean the debt is at least 8 years and 3 months old. The statute of limitations for the state of Indiana regarding open-ended accounts, which includes credit cards, is 6 years. Any debt collection of a debt that is beyond the statute of limitations is in violation of the Fair Debt Collection Practices Act. Also, why was this filed in the XXXX XXXX court? I do not even live in XXXX XXXX. 

I am being threatened to appear in court and my current employer to appear before the court or answer interrogatories about me in regard to garnishment. This is an aggressive, coercive tactic that is attempting to scare me into making payments on a debt that either does not belong to me at all or is so old it has expired so that it may be reactivated and therefore have collection processes resumed.
Equifax response to my complaint : Initiated a reinvestigation which is they sent a letter to XXXX XXXX to respond to my complaint. XXXX XXXX ( the company that has been reporting incorrect negative information on my credit ) sent me a letter which will be uploaded saying that back in XXXX their company was formerly XXXX XXXX. Since Equifax had XXXX XXXX send me this letter they will mail me a credit report and it will say the same thing. The account has been verified as belonging to you, no additional document have been received from the consumer and they will close this complaint because XXXX XXXX has clarified that they were formerly XXXX XXXX in XXXX. I have never had an account with XXXX XXXX. I have never had any contact or dealing with XXXX XXXX. I have never applied for an account with XXXX XXXX. My complaint is that from XXXX to now, incorrect negative credit information is being reported to my credit report. I have uploaded current court documents to support this. This account does not belong to XXXX XXXX and has not since XXXX XXXX. It was disposed, court documents to support but I guess XXXX XXXX is a higher authority.
I opened a new checking account in XXXX with BMO 's  promotion for a {$200.00} account sign up if you had two direct deposits within the first 90 days. The terms specifically listed that the direct deposit included government payments. I went out on XXXX XXXX in XXXX and started receiving XXXX payments from the state of california. These are processed electronically through XXXX XXXX XXXX as they are loaded onto a debit card. You can then direct deposit ( the website specifically shows this term ) into your checking account online. After receiving benefits I direct deposited the amounts to both my new BMO account and my older XXXX XXXX account. On my XXXX XXXX account it shows up as a direct deposit for the category type. For BMO they are telling me it is a fund transfer and I am therefore not eligible for the account promotion, despite them listing government payments as a valid direct deposit. After much interaction with their customer service online I have not been helped.
Attempting to refinance a mortgage. Lender indicated there were some derogatory marks from old credit cards that, based on Equifax retention policies, must remain on file for at least 7 years. Derogatory marks were due to a business partner 's XXXX and medical issues. In the last 5 years, all debts have been paid/resolved and current debt service payments have been paid on time. Credit scoring does not give any weight to financial hardships brought on by involuntary circumstances. This places an undue burden on individuals. Someone in the credit reporting field needs to take a look at this and come up with a scoring model that takes into account these kinds of medical/financial hardships. I believe this is a failure of the credit scoring process that unnecessarily impacts many individuals in this country.
The calls started in early XX/XX/XXXX and I didnt speak with them until XX/XX/XXXX.

On XX/XX/2018 at XXXX, I received a call from XXXX XXXX an Account Manager from XXXX XXXX , XXXX . She explained a debt was placed in their office. THe debt that was placed in their office was originally held with the XXXX XXXX XXXX, another credit agency. I was resolved from the debt in XX/XX/2017 because the Bureaus could not verify that I owed the debt.

Although I explained the debt is not valid and since it can not be verified, it is removed from my credit report, they still call me and still send me letters.

I don't know how to keep them from reaching out to me about a debt I do not owe.
I called Ability Recovery Services Llc, on XX/XX/XXXX because I have alerts set up concerning my credit report due to identity theft. I asked to speak with a supervisor and advised them that this isnt a valid debt and please remove this from my records. The supervisor XXXX then asked me to send proof and I did and he said he can have it removed the same day. After spending {$15.00} faxing and printing paperwork for them, I called to see if they received it and they said yes. I asked how long will it take to show as removed and he advised me to call and check at the end of the month because they report once a month. I called today XX/XX/XXXX and asked to speak with a supervisor and I explained my situation and the agent was very rude and stated that supervisors don t  just come to the phone. I called back again and got another agent who hung up on me and said they mailed me an updated bill, and then finally after calling a few times I got a professional agent who got me in touch with XXXX when the other agent stated he was out of the office. I also told XXXX that his agents arent professional and he said he will deal with that and apologized. He also stated that his client hasnt responded back yet and to call in another week. I dont feel I should have to wait this long on a fraudulent account and I never did business with either companies. This company is very unprofessional and they feel as if they dont have to follow the laws. I can say that XXXX was nice, but his whole staff needs to be re trained and they need to remove this fraudulent account immediately because its really affecting my credit.
At some point in XXXX, Chase Bank closed a long-standing credit card of mine ( opened XXXX ) without warning of any sort, or notification after, purportedly because I did not use the card enough. While they state they mailed a written letter regarding closing the account, they were not able to give me a date it was sent, nor did they post any duplicate of this letter online on their website or send me an email that there was a message waiting for me online. I have banked online exclusively with Chase for over a decade, received all accounts statements paperlessly online, and all past letters or notifications have come to me online.
I am a current customer of Chase in other products, namely an auto lease, which is paid regularly and never late. Similarly, I have a spotless credit record, with a high FICO score, no negative information reported, and a favorable income to credit ratio. Thus, it does not appear the closure was for a credit-related reason. 

At the time of closure, there was a cash rewards program balance of {$220.00}, and this balance was eliminated and never paid out to me. When I called on XXXX XXXX XXXX to find out what was going on, I was told by the telephone representative that I only had 30 days from the account closure to have this balance paid out. As such, Chase converted a significant amount of money that was owed to me through their rewards program without any sort of notification that it was going to do so.
Convergent Outsourcing Inc calls my office phone and leaves automated messages several times a week indicating that I call XXXX XXXX. I have called this number and their corporate number XXXX XXXX to request that they remove my number from their call list more than 10 times in the last 3 months. They always assure me that my number has been removed from their robot-dialer but I am still receiving calls. What 's more, they are not even trying to collect a debt from or reach me specifically.
Navient holds my student loans and we 've recently set up a income based repayment plan with them. However, their website is an absolute mess. I am billed over {$600.00} every month, but they insist that I just pay the agreed-upon repayment plan amount of {$300.00}. 
Our payment for XX/XX/2016 was recorded for {$300.00} but we 're seeing a lot of red and " Past Due '' notices all over the main page of my account. 
Not only is this happening, but every month when we go to make a payment, I have to decipher their bill payment form because they have 4 different Stafford Loan lines and 2 consolidated loan lines and they do n't know what to tell us when we ask how much we need to pay for each one to add up to the {$300.00}. And simply changing the total payment field does n't work. We 're trying to stay on top of this but nobody at Navient is hearing us. Please advise us. Thank you.
My home loan has been categorized as a Veterans or VA loan. 
I am not a Veteran. I have never served in the United States military. I did not sign a VA loan, nor have I ever submitted documentation to Wells Fargo that I am or have served in the United States military.
I ORIGINAL APPLIED FOR THE APARTMENT ON XX/XX/XXXX.
I FILED FOR BANKRUPTCY ON XX/XX/XXXX WAS DISMISSED XX/XX/XXXX. IN XX/XX/XXXX I NOTICE THAT CREDITOR WAS STILL ON MY CREDIT REPORT, I DISPUTED WITH XXXX AND IT WAS REMOVED XX/XX/XXXX. THAN ON XX/XX/XXXX I  NOTICE CREDITOR WAS STILL ON MY CREDIT CONTACTED COMPANY AND THEY STATED THAT EVEN IF I FILED FOR BANKRUPTCY IM STILL RESPOSIBLE FOR THE DEBT AND IFWOULD NOT CLEAR OFF UNTIL DEBT WAS PAID IN FULL.
In correspondence dated XXXX XXXX, XXXX, I wrote a letter to this company disputing several incorrect information being reported on my credit file. I also wrote to several collection agencies asking for validation to no avail. I did not receive any validation documents and yet, this company continues to report those invalid entries on my credit report. I do not recognize the disputed items, nor the account opened date, closed date, highest balance, payment history reported and requested an investigation on each item. These pieces of information are either inaccurate, invalid and incorrect. Attached is a copy of my second letter I am sending this company today.
I have recently been made privy to TransUnion 's widely know glitch that illegally caused information on people 's credit report to disappear and then reappear without notification. This affected me, and in fact it 's been more damning than I could ever imagine, as it put new information in the form of credit inquiries that I never authorized. After speaking with a supervisor on XX/XX/2016 and confirming that they in fact had a breach on XX/XX/XXXX, I was informed they would remove any and all unauthorized hard inquiries on my file from XX/XX/2016 moving forward. 
The ONLY hard inquiries I should have ( that I authorized on my own volition ) are : 1. XXXX XXXX XXXX XXXX XXXX, XX/XX/2016 2. XXXX, XX/XX/2016 3. XXXX XXXX, XX/XX/2016 Transunion needs to remove the remain onslaught of inquiries that appeared from nowhere. Furthermore, as this breach only affected Transunion, I do not want unwarranted freezes or fraud alerts as this was a Transunion error. No other CRA has had recent breaches, therefore contacting them is not necessary. 
My drivers license and social security card are attached for purpose of permissible file access only.
On XXXX XXXX, 2015 PHH Mortgage was faxed Notice of representation for XXXX XXXX XXXX requesting all correspondence be directed to our office as their legal counsel. On XXXX XXXX, 2015 a financial package was submitted to PHH Mortgage. PHH Mortgage did not send a confirmation of receipt of the financial package as required due to it being submitted 37 days prior to a sale date. A missing documents letter was not issued or sent to our office until XXXX XXXX via email from the banks attorney. PHH Mortgage has prevented the client from being reviewed for a loan modification by placing the file in a litigation status which prevents the client from communicating directly with PHH Mortgage. Our office has repeatedly requested updates from opposing counsel XXXX, XXXX and XXXX, XXXX. to no avail. After repeated request I was emailed a denial dated XXXX/XXXX/2015 on XXXX XXXX, 2015 almost 2 months after the denial. This also prevented the client from filing any appeal for the denial as it was provided well after the allowable dispute period. PHH Mortgage has not reviewed the file for a loan modification, has not provided a proper missing documents letter, did not provide the denial letter in a timely manner and has proceeded to schedule a sale date. Sale date must be postponed while the client is reviewed for a loan modification since PHH Mortgage has prevented the client from being reviewed for a loan modification since XXXX XXXX 2015.