WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   XXXX    XXXX    XXXX  shows me as 90 days late on a payments from  2015 . All   XXXX   credit reporting agencies show different months however I have never been late on a payment. In fact I have paid more than the amount due every month so a delinquent amount is not possible.
I pulled my report to dispute and I came across this address. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address IdentiIfication Number : XXXX I have no idea how this address surfaced, and I've never been to this city before.
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX contact XXXX who is a Collection Department/Attorney/Agency who threatened to put this particular debt and another on my credit after I told them that I do not know who they are, I do not have an account with them and NEVER had an account with them. I have seen at least XXXX times in 1 month where they have attached derogatory remarks and collections to my credit which i'm sure is illegal. I have attempted to dispute the information which is damaging my credit. I am filing an official complaint because my debt was sold to this agency from Florida XXXX XXXX, which I never received an invoice or bill for {$560.00}. I explained that to them on a line i record and now my credit is being damaged and i never even knew i owed them until recently! I have a copy of the credit report where they are putting derogatory remarks and collections on my account.
As a consumer on multiple instances, I have written several letters to all 3 credit bureaus, exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g I have repeatedly asked for evidence to support their reportings, but yet again they have failed to provide me with a copy of any viable evidence submitted by ( XXXX ) and ( XXXX XXXX ) substantiating their claims. Furthermore, I have requested their method of verification, and they have not complied, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). and allowing the negative items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX Account # XXXX as well as XXXX XXXX Account # XXXX. And XXXX  XXXX XXXX Account # XXXX, as well as XXXX Account # XXXX, are all in violation of the FCRA ... 

I have sent certified mail to the credit bureaus named Experian and XXXX 3 times to validate and verify 2 accounts on my report. They come back with " verified '' or updated on my report. I asked for proof of verification to show me how this is indeed my debt and they never have any signed contracts or proof to send back.
US Bank home mortgage agreed to accept XXXX Funds. I had not known when the funds were applied and when my normal monthly payments would start. I have been paying late unable to catch up now for four years. Since I am a XXXX teacher and now not working a part-time job during summer ; during summer I sometimes fall behind and need time after the school year starts to catch up. US Bank has offered assistance by mailing me applications and I had completed XXXX consecutive applications and provided supports requested only to be told my handwriting was sloppy so they were n't able to approve it. I got caught up on my own without help. Recently, I 've come to need their mitigation process again and they are not keeping their word to provide a reply within 30 days and to keep me informed despite having my email address, mailing address, and phone. They have made a demand for payment by XXXX/XXXX/16 without giving me a disposition on the request for assistance. I made contact to communicate this and was told my employer 's WORK NUMBER code to verify employment was insufficient. I had to get a letterhead document stating the number of months I am paid as a substitute. XXXX XXXX XXXX XXXX directed me to WORK NUMBER again. I can not produce a letter they are not willing to write although I have other documentation to show my yearly income over the past 6 years and current year ; and, I have applied for unemployment benefits during summer months when school is out. US Bank wants the appearance of offering help only to stymie the process by failing to communicate and asking for documents when other evidence provided gives them proof of what they are needing to verify. If I do not pay the balance in full by the due date they will start foreclosure without giving me a fair opportunity to have help. The help I request is to put late fees on end of loan due to the HARDEST HIT circumstance and to give me time to pay the unpaid payments which are only XXXX at this point because of the length of time they have dragged on not giving me a decision. US Bank needs to be reported for not being forthright and honest about they mitigation process, which is basically to cause undue stress and anxiety in an already anxious circumstance.
I recently disputed an error in my credit report under the public records section and have since contacted ALL 3 MAJOR credit bureaus and in return have gotten the disputed items not properly corrected on my report. Not only is it affecting my report but my life as well which deems me financially irresponsible so the automated letters I receive tell me. It even does n't show in the comments section under the items marked as Disputed By Consumer which under the FCRA is a strict violation in correspondence to my rights as a consumer. I 've written numerous CERTIFIED letters to the Bureaus AS WELL as the creditor themselves. In return the creditor only responded to my letter with a letter of verification stating they do n't even report to the credit bureaus. I have that burden of proof to support my claim as well. These public records do n't contain any large sum amount or an amount at all to my knowledge it is just a negative and bad reflecting mark on me as a consumer and person which is definitely Defamation of Character, which I am certainly not. I Placed a Security Freeze on my file and Opted out of Services Provided by XXXX XXXX. I have also proceeded with filing a small claims suit against these Bureaus for the Defamation of Character as well as my rights protected under the FCRA AND Injury to myself & my credit report seeking no less than {$1000.00} per violation under the FCRA Sections 604 ( A ) ( 3 ), 623, 611 also US Court of Appeals, Ninth Circuit, No. XXXX. ( XXXX vs. XXXX XXXX ) To avoid these proceedings and drop the lawsuit I figured give one more dispute a try I 'm just looking to have this matter cleared up. 

Best Regards
I found this address on my credit report and i have never stayed in Colorado i think somebody trying to open an account using my information XXXX, CO XXXX
I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called XXXX. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/ 2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
Vehicle was purchased on XX/XX/XXXX and first repair was on XX/XX/XXXX mileage was under 12k. We have been to the dealership 4+ times to fix the issue XX/XX/XXXX we went into the dealership for an oil change they found a leak which the could not find the issue first said it was the transmission leaking then they said was a leak in the oil line kept car for a month finally replaced the transmission case. Car was said was fixed. We brought car back in XX/XX/XXXX for a noise which car started to vibrate GM got involved and had them run a test which now the said it needed new breaks which they replaced. Brought the car back in on XX/XX/XXXX for the same noise and dealership could not find the problem again they contacted GM again  as I did and updated of my issues and they said they cant find the issue but could here the noise brought car back in again 6 days ago and still cant find the issue GM said to run the XXXX again which was completed and still no resolution now the car sensors are going crazy. Dealership has tested everything and cant find the cause of it could be transfer case again not sure. This is a new car and we have had so many issues its has been in the dealership for over 60 days looking to get out of this lease and get into a new car I'm pregnant we have XXXX kids already and not feeling safe in the car. We have been complaining to XXXX and GM FOR MONTHS to help us get out of this car. As you can see the car has issues was going to file this car as a lemon with the lemon law because I have all the docs to prove and times I have been in the dealership. Need help on getting this resolved as we are not feeling safe in the car as GM and XXXX have been fixing the same issue and car is still not fixed.. The car is again at the dealership and we have no updates and GM is saying we cant repurchase because its still under warranty which hi have an email from GM saying this.. The car has been in 4+ times on the same  issue and GM is not helping to replace this vehicle
I was unable to make the payments due to low wages for my job choice. I defaulted, brought the loan out of default paid on and off, took many forebearances, adding interest to principal. Since I was unable to make the payments, I believe the lender ( VSAC ) should not have provided all these ( 17 years worth ) forebearances, making my debt even less affordable. I borrowed {$30000.00}, paid back the expected total amount of the loan, but not on the originally anticipated schedule. I now owe, according to the nonprofit lender, an additional amount over {$60000.00}. But, I did make enough payments to pay the total amount I would have paid had I paid on time. I feel this type of situation is not much different from what payday lenders and their ilk do- force people into further debt. Somethings should be done to stop this and allow me at XXXX years old to get this " debt '' behind me.
Nationstar refuses to postpone Trustee sale despite the fact I have a signed contract and approval from Nationstar to short sale the property. One two separate occasions, the agents lied to me ( borrower ) by telling me that they are unable to postpone the auction without approval from XXXX ; however, XXXX told me that it is the servicer who requests the postponement of the trustee sale. It was n't until I spoke to XXXX at Nationstar today, XXXX XXXX that explained that Nationstar will NOT postpone a sale despite a signed contract if Nationstar has already postpone it twice. My XXXX seller 's offer of $ XXXX backed out after the short sale process took 2 months to even get a counteroffer from XXXX which XXXX turnaround is 3-5 days. My XXXX offer of $ XXXX was signed on XXXX XXXX, 2016 ; however, it was n't until XXXX XXXX Nationstar submitted the offer to XXXX, which XXXX counteroffer came in on XXXX XXXX. When I asked the agent why it took that long, the agent agreed it took too long and could n't explain why. Remember this is the XXXX offer Nationstar has submitted on this property, there 's no reason why it needed to take 16 days to submit an offer on a house they have already submitted to XXXX. Furthermore, the Trustee Sale is approved to start at $ XXXX, but Nationstar refuses to push back the Trustee Sale when I already have a signed contract with a Buyer for $ XXXX. A nice family is going to learn that they lost the house they put down XXXX % in escrow because Nationstar is unwilling to postpone the Trustee Sale. Nationstar needs to postpone the Trustee Sale and allow me to short sale the home which is what they agreed me to do.
Every year I contact Navient Rate Reduction Program, I struggle to make the payment and currently my hours have dropped to 8 hours a week. My hours have been sporadic. I went two weeks without any hours. I have taken out cash advances on my XXXX XXXX, XXXX, XXXX XXXX XXXX credit cards in order to make the payments. These are things I 've explained to them, well there are no more cash advances available and I ca n't sign up for the Rate Reduction Program for XXXX 2018. I need a forbearance. Why is n't there an extension for XXXX who 've fallen on tough times, but have been paying for years as part of their rate reduction program? I 've chosen paying this loan over buying food. It 's been tough and mostly because I 'm trying to get a XXXX XXXX in XXXX, I know that a defaulted loan on my credit report would disqualify me from so many careers. It happened the last time when XXXX XXXX reported me late, a company rejected me just based on my credit report after 3 job interviews.
Experian is reporting the same account on my report multiple times. It was charged off from the original debtor and sold to a collection agency. There are XXXX agencies reporting the same information.
On XX/XX/2016 I checked my Huntington account and noticed XXXX charges of {$25.00} which I did not make. Also I noticed on XX/XX/2016 I had XXXX late charges of {$37.00} when I had money in account and did n't have any purchase.. I called to get charges which were unauthorized and the phone customer service person who gave her name as XXXX for customer service number XXXX at XXXX said I have to send in documentation to remove unauthorized account for complaint number given to me XXXX XX/XX/XXXX. I also asked for email documentation of my request to remove unauthorized items and XXXX first said they would sent me email verification but did n't then said it would take 45 days to correct iten not ten as she said before. Huntington continues to remove monies from my account without my authorization. They continue to charge me late fees without cause and the only way you can now contact have phone operators who refuse to provide fixes to errors and do n't correct errors and false charges on account. Also I received a notice that people have had unauthorized access to my account checking my balance without my permission, denied by Huntington customer service rep. XXXX.
After pulling all 3 of my credit reports, I 've notice a collection debt from National Credit Systems INC after my own research for an apartment complex that do not exist said XXXX XXXX is called XXXX XXXX XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no  judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the National Credit Systems has reported and it is not mine. I request that NATIONAL CREDIT SYSTEMS INC IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED INACCURACY MUST BE DELETED BY LAW!
I found out that  XXXX  has a judgement against me when I was trying to get a mortage ... .I knew nothing of this-it was a complete shock.On  XXXX / XXXX /  XXXX   a judgement was filed in court..I have tried calling and writing  XXXX , and no one answers me -- -- I do n't even know where this debt is from-I became  XXXX  10 years age so I always rent and have only got a car, so there is no big items I bought. There is also some lawyers on the judgement named  Rubin and Rothman  who I also tried contacting and again no answer. The amounts from the  XXXX  also varies. R and R has {$1200.00} per the  court  house -- -- - XXXX   is  a little over {$1000.00} ... ..How can I deal with these people -- Thank-you  XXXX
I checked my credit on XXXX on XXXX XXXX and my Transunion report only showed XXXX hard inquiries. The next time I checked it, around the middle of XXXX, XXXX inquiries showed back up. I was not notified that they would be reinserted. I 've called transunion several times to get this resolved and they have been very rude and will not help me.
Our firm, XXXX XXXX, XXXX has been monitoring our client 's request for mortgage assistance to SPS to ensure SPS 's compliance with Regulation X. Despite having received a complete package from the Borrower, SPS has continued to make burdensome and duplicative requests for documents in an attempt to stall the Borrower 's request for mortgage assistance. For over a year now, the Borrower has continued to cooperate in every way possible and has continued to respond to all of SPS and opposing counsel 's document requests. Since our client has retained our services, we have submitted every document, explanation, and break down that has been requested. More specifically, we have provided the Borrower 's bank statements, your request for an explanation for deposits on the Borrower 's bank statements, and now a breakdown of each deposit by property. Each request has been in response to our production of the previous requested document. The piece meal requests are inappropriate and a violation of SPS 's responsibility to act diligently in their processing and review of the Borrower 's application. 
Furthermore, it is our contention that opposing counsel has hijacked the process from the mortgage servicer and has inappropriately hindered the review of our clients ' application. In addition, on these facts we would contend that SPS has received a complete package and opposing counsel has continued to move forward with the trial in violation of XXXX CFR XXXX. Since our client had in fact submitted a complete application to SPS at least 37 days before a foreclosure sale date was scheduled, they should not have taken any affirmative action that could cause or result in a judgment of foreclosure or a foreclosure sale. Even though opposing counsel is attempting to continue to move forward with trial, SPS is responsible for promptly instructing counsel not to proceed in such a manner once a package is received.
I opened a payday loan with XXXX XXXX Loans at the XXXX  XXXX location. The Loan was opened on XX/XX/2018 for {$750.00} at 299.000 % and my loan number is XXXX. Due to going into overdraft on my accounts- causing major household bills payments to bounce for insufficient funds. The representatives will call 3 to 5 times daily and has called my place of employment several times, even though, I specifically asked them not to call due to my employers guidelines. This information was notated on my original application and in person to the representatives. I have paid to date {$650.00} towards this {$750.00} loan and still have a remaining balance of {$820.00} from the original {$750.00} loan.
I opened an American Express Business Platinum Card on XX/XX/XXXX. At the time, there was a 50 % bonus on points redeemed for airline travel with my selected airline ( XXXX ). American Express does not have an online or phone system set up to redeem points at that rate, and I have had to spend hours on the phone more than a dozen times over the past year to get that redemption and bonus. In XXXX of XXXX, American Express announced they would be reducing the 50 % bonus to 35 % ( though I never was informed directly, I read online ). American Express then said ( again, not directly, had to read online ) they would grandfather in the 50 % for card members who signed up before XX/XX/XXXX for a  year. I called in during XXXX to inquire whether that 50 % bonus was from the time I opened the card ( XX/XX/XXXX ) or the time of the change from 35 % to 50 %, and I was told it was a year from the announcement ( XXXX of XXXX ). When I called XX/XX/XXXX to redeem the points and request the 50 % bonus, I was told it was grandfathered in from the open date of the card ( XX/XX/XXXX ) for a year ( so until XX/XX/XXXX ) and they would not honor the 50 % redemption.
This item showed up on my credit report .I have never had a contract with them not have I ever received an itemized bill from day one or a contract that they own this.i have no signed contract with them.
I check my credit report with XXXX XXXX daily. I recently received a unsecured credit card from XXXX XXXX to build my credit. Today XX/XX/XXXX I checked my credit with Equifax and my credit score went down 19 points. I called Equifax to find out why and the representative could not tell me why. The inquiries I have on my credit report are inquires from last year and there were only 16 total. According to Equifax there have been recent inquiries I am unaware of and I would like to dispute the inquires with Equifax, she told me that she could not file a dispute and that I would have to contact a the lenders that made the inquires. I told her that I only had 16 inquires last year in XX/XX/XXXX not 34. Equifax is cooperating with this complaint. my credit score went from XXXX to XXXX because of this. Please contact Equifax and address this matter. XXXX
TD AUTOFINANCE approved an auto loan with a substantial down payment ( {$15000.00} ) on XXXX XXXX, 2016 and delivery of the truck was that date. Afterwards they spent over a month asking for more information and in fact refused to fund the dealer for over 30 days. The loan was pre-approved. TD Autofinance also refused to take an online payment by debit card on the date of the first payment even though it was only 8 days after the loan was funded. This after they actively advertise online payments. They are now reporting the payment late, trying to collect a late fee, and should n't even have a payment due yet. They took a check payment online charging us over {$500.00} in unearned interest. Of course, by doing so they forced the payment to be late since they would not submit it until the day after it is due. Contrary to a debit card which will clear by midnight on the day it is due. We contacted TD Autofinance over a week ago inquiring into the whole transaction and were told that our payment was due no matter what. I 'm convinced that this is an ongoing criminal enterprise! Based on my research, interest is due in arrears and only earned interest at that. I requested a reset of the first due date to properly reflect interest earned and TD told me to stuff it.
I have contacted XXXX, Experian and XXXX XXXX multiple times via certified mail requesting they remove inaccurate accounts.
I was considering a loan modification with Ocwen Loan Servicing. Once receiving the terms of the proposed loan modification, I decided not to go forward and declined the modification. During the 4 month time frame that Ocwen was working on the terms of the modification I made my regular payments to them on time each month as shown in my payment history. They advised this as it would ensure I continued to meet my contractual obligations. Nevertheless, Ocwen has been reporting me as delinquent to the credit bureaus. I asked them about correcting this multiple times. However, it has still not been corrected. And they continue to report inaccurate information.
On XXXX XXXX, 2016 Equifax send me a letter stating that my disputes regarding disputed inquiries have been removed ( Confirmation # XXXX ). I recently viewed my latest Equifax Credit Report and unfortunately the inquiries that I was told were removed are still reflecting on my Equifax Credit Report. Here are the following inquiries the Equifax stated were removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX ( ALL, Furthermore XXXX XXXX send me a letter that they requested for the inquiries to be removed - I will provide the letter upon request ) XXXX XXXX ( ALL, Furthermore, XXXX XXXX send me a letter stating that the requested for the inquiries to be removed I will provide letter upon request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM REQUESTING THAT EQUAFAX UPDATE MY FILE WITH MY NEW TELEPHONE NUMER. XXXX, Thank you.