WillisBack/dataset-financial-user-claim huggingface dataset:
Grateful for this service. Thank you. Let me begin by saying I have correct and accurate correspondence on all that I will report below. I am asking your assistance after two years of effort with no satisfaction. I believe the issue is a lack of clear understanding at the bureaus. Perhaps, you can help them to a better understanding. 
I had a balance on a XXXX gas card. I was XXXX in XXXX and ultimately declared " XXXX '' by XXXX Court in a lawsuit against the XXXX. In XXXX XXXX corrected XXXX and I am now back to work and fully solvent. During my XXXX I was in active touch with XXXX XXXX XXXX Bank asking them to work with me XXXX. They said they would. Subsequently, they became XXXX - the reporting that I want to dispute. 
When next I called XXXX to accomplish a settlement, they took my information and said they would respond to me. After 30 days I called to inquire about the progress and they informed me that the account had been sold to XXXX XXXX XXXX. I voiced my anger with XXXX in calls and in writing to no avail. 
I shortly heard from XXXX XXXX XXXX. They sent me an completely out of bounds letter that violated the FDCPA in several letters. My complaint to them resulted, oddly, in them dismissing the debt and deleting they reporting from all of my bureaus. 
I was surprised by that, but not happy that my opportunity to resolve the debt and rehabilitate my credit score was now shut down. 
I called the original lender and again offered to settle the debt for a good will deletion. They said the debt was sold and they could not to that. 
I reached out in writing, with documentation, to all XXXX bureaus and asked them to delete the XXXX account. They said it was correct reporting. I said it was a violation of FCRA because I have no opportunity to resolve the debt and, therefore, no way to improve my credit scoring - despite the fact that the original lender knew I was disable and said they would help with with a work out when my finances recovered. 
I am asking your guidance regarding my options on how to resolve this issue. I have an account I would like to settle to improve my report, but the lender says they no longer own the debt. Ok, then delete it from my credit report. 
I look forward to your response.
I have been making payments on my mortgage to Nationstar Mortgage XXXX XXXX XXXX XXXX. I paid extra and requested that it be applied to principal. Instead of applying it to principal, they have applied it to future payments, so that as of XXXX XXXX, XXXX, I do not have a house payment due until XXXX, XXXX. 

I am in a Chapter XXXX bankruptcy in the XXXX of XXXX. Nationstar Mortgage filed a {$45.00} arrearage claim for a possible escrow shortage. They have applied a {$360.00} fee for administrative expenses for the bankruptcy, but for some reason have not included that amount in their proof of claim. They are basing their refusal to apply the extra payments to principal on this {$360.00} fee. They have not said why they just did n't pay the fee out of the excess funds. There should be between {$160.00} and {$260.00} in the suspense account at this point. 

The failure to properly credit my principal payments has increased the amount of interest I am paying.
I have contacted XXXX XXXX XXXX XXXX directly as well as the 3 credit bureau 's. I have requested that this lending company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. My I have maintained copies of these notarized letters and dates. 

Your assistance and investigation of this matter is greatly appreciated.
XXXX18 - received call from XXXX XXXX XXXX XXXX advising of past debt and stated they were pre-legal department and that if i did n't take care of the debt they were going to send to my states legal department. They continued to tell me this over and over and offered a lump payment to keep me out of legal trouble ... i declined and asvised them not to call me anymore.
Hello I sent out 609 letters to c.f. ERC sent me a copy of Bills none with my signature sent a bill that Dates XXXX tho XXXX XXXX sent about 3 bills with different amounts. I do not have a account with ERC they did not send me letter 5 day before placing me in collections and looks like they started my bill over I do n't have XXXX since XXXX I would like this deleted off my credit report asap.
In XXXX of XXXX I received correspondence offering assistance from Student Assist Plus, a student loan forgiveness program. I received a welcome letter, a client agreement, XXXX form, form authorizing automatic debit from my bank account, as well as a Student Discount Plan Enrollment Agreement. Student Assist retrieved $ XXXX month up until cancellation on XXXX of XXXX. Student Assist was asked two months prior to stop ACH debit and continued to take money until current stating they had no knowledge of my request. They also stated that XXXX, whom I pay my loan to, was under investigation and that I could not maintain my current payment status without their assistance. It is unfortunate that we attend school and make barely enough to live an repay the high loan costs only to be additionally duped by an agency that alleges to help.
I received a letter from Debt Collector for LVNV Funding several years ago and in response within 30 days requested validation of the debt. LVNV has never responded or provided requested validation in accordance with the Fair Debt Collection Practices Act and continues to report to all XXXX Credit Reporting Agencies that the Debt is a Collection Debt. In accordance with the FDCPA this reporting and all debt collection actions was to cease until LVNV provided the validation. The debt is now time barred. I contacted the Credit Reporting Agencies and they will not remove the collection action even though it vioates the FDCPA and is time barred.
On XX/XX/XXXX I tried to submit a dispute on line with XXXX. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XX/XX/XXXX. I do not have a bank card from XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XX/XX/XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XX/XX/XXXX. The car was a XX/XX/XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.
XXXX XXXX XXXX XXXX is committing fraudulent acts in regards to reporting inaccurate information. I had a 3rd party company to dispute on my behalf, the validity of XXXX XXXX XXXX XXXX   claim over the student loan accounts on the week of XX/XX/XXXX. XXXX XXXX XXXX XXXX responded by sending me a letter dated XX/XX/XXXX.

The question is WHY is XXXX XXXX XXXX XXXX asking for more information from me to investigate, when they are supposed to allegedly have my information to report to the credit Bureaus on a monthly basis? The Credit Bureaus, myself, and XXXX XXXX XXXX XXXX are aware that the accounts have been closed, transferred, and no longer in their possession since XX/XX/XXXX. How are Experian, XXXX, and XXXX  accurately verifying this information presently when all parties mentioned knew the accounts have not been in their possession for almost 3yrs? XXXX XXXX XXXX XXXX  has continuously reported the accounts closed and transferred since XX/XX/XXXX and was previously known as XXXX XXXX XXXX on my credit reports. But even that, the credit Bureaus are allowing this inaccurate information to stay on my credit report, continuously harming my economic wellness, in which is impacting my life.

Enclosed is a sample capture of 1 of many accounts, in regards to what is being reported on my XXXX  and Experian credit reports. XXXX is not releasing my credit report just yet. But I was able to confirm the accounts are on XXXX just as well.
Trying to use XXXX XXXX to borrow money but the bank is n't allowing it
Upon discovery that Pinnacle Credit Services had placed a negative item in my credit files with XXXX, XXXX and XXXX ( Open Date of XXXX for an address at which I did not reside on at said Open Date and Balance Owed {$760.00} ) I made written request for debt validation via USPS Certified Mail Return Receipt. This was delivered to Pinnacle at XXXX XXXX XXXX, 2016. Pinnacle did not respond with debt validation yet continued to report this unvalidated debt to XXXX, XXXX and XXXX on XXXX. 

The Federal Trade Commission ( FTC ) clearly states in an opinion letter that a debt collection agency can not report an unvalidated debt to the credit bureaus and that such reporting constituted a continued attempt to collect a debt. ( FDCPA Staff Opinion : XXXX ). Pinnacle is thus non-compliant with Section 809 of the FDCPA. 

Since I discovered the alleged debt was claimed open at an address where I did not reside, I also have sent an Identify Theft Police Report, Proof of Address on Open Date and signed affidavit to original creditor XXXX.
My current credit report reflects two Kentucky Higher Education Student Loans with the same account numbers, open dates and closed dates. They both state that the account was transferred, closed/Never late. They have to different loan amounts Kentucky Loan 1- Closed XX/XX/09 for {$10000.00} Kentucky Loan 2- Closed XX/XX/09 for {$8500.00} Could not submit dispute because I had to wait until others account disputes were settled.
CBE Group sent a letter verifying that the debt was valid. However, XXXX has verified that there was never a past due and has corrected the balance to XXXX. I spoke with a representative at XXXX office of the president ( XXXX XXXX XXXX now ) and the balance was removed. I have attached the initial account cancelation email, as well as the email showing that the balance was XXXX and a refund was issued for the remaining balance. XXXX has credited the account with the inaccurate balance to make the balance XXXX again. That email has also been attached.
I opened an account with Ace Check Cashing services about 8 years ago. My spouse XXXX XXXX and I both were depositing our paychecks and her social security checks into an account the last four digits of that card being XXXX. XXXX passed away XX/XX/XXXX. I tried using the card on XX/XX/XXXX and the card was declined due to the account being closed. I visited the store on XX/XX/XXXX and was told the account had been closed down due the person whose name was on the social security checks ( XXXX XXXX ) was not deceased. I asked them how was that possible when I was the primary information on the account and the person that opened the account. They only told me, the remaining balance of XXXX would be held for 120 days and I could come back then to discuss. I recently visited the store and requested the XXXX balance but was told they did not have any information on me in their system.
On XX/XX/XXXX, I requested a copy of my credit report from Equifax, after being denied credit to purchase a vehicle. Upon receiving the report and information from the dealership, I found status error 's on paid in full accounts. Specifically XXXX XXXX. I disputed the errors online with Equifax. I sent certified letters on XX/XX/XXXX which were recieved on XX/XX/XXXX to Equifax and XXXX XXXX, disputing the status of XXXX accounts. Equifax made an error saying that I was disputing ownership of the accounts. I have attached the XXXX and XXXX letters, which CLEARLY show I was disputing the late payments reported, more importantly the status of XXXX as a " charge off '' and the other as a " redeemed repossesion ''. I also requested the proceudre in which they used to verify the information with XXXX in which no procedure has EVER been completed, much less evidence of the person, process and factual information as required by the FCRA law. I have waited over 90 days, I have sent XXXX letters, each time with copies of the previous letter ( s ). Each time, Equifax LOWERS my credit score and is not responding the my requests. I can not get credit I deserve because of the erroneous and irresponsible behavior of Equifax and XXXX XXXX. I have attached ALL correspondence with copies of return mail receipts to this complaint.
XX/XX/XXXX My name is XXXX XXXX and I am filing this complained against XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX On or around XX/XX/XXXX I started a mortgage application with Assent, but canceled the process because the refinance charges were too much, the interest rate was to high, and had to pay mortgage insurance. 
I called XXXX on XX/XX/XXXX and spoke to XXXX XXXX, and asked him to cancel the application and the loan. 
On XX/XX/XXXX, I called my current lender, XXXX XXXX, and they started a new application for a loan that met my needs and with a discount on lender fees. They were going to send an appraiser. 

On or about XX/XX/XXXX I received a phone call from XXXX XXXX, ( XXXX ) saying he was an appraiser and wanted to come over, I asked him if he was from XXXX XXXX, and he said yes. 
XXXX XXXX came to do the appraisal on XX/XX/XXXX, my friend XXXX XXXX was here and in front of her I again asked XXXX XXXX if he was sent by XXXX XXXX, and again he said yes. XXXX XXXX did the appraisal, and the next day I got another call from the real appraiser, from XXXX XXXX. 

I immediately call XXXX XXXX, and confronted him with lying to me. He said he had already completed the appraisal and needed to get paid. At that time he had not sent the finished product to XXXX XXXX, so I asked him to cancel everything. He said no, and went ahead with his plan. 
On XXXX XXXX I sent an email to Assent complaining about XXXX XXXX and the charge on my credit card. XXXX XXXX also called and a lady with the name of XXXX, left a message that there would be a refund to my credit card. 
On XX/XX/XXXX and XX/XX/XXXX I called the XXXX, girl and said she would look into it. 
Last week XXXX called me and told me I would not get a refund, so I called XXXX XXXX and when confronted hang up on me.
Hospital is reporting collection on my credit report. I have disputed and investigation has only said verified. I have never received a bill, phone call, or inquire from the hospital concerning this bill. The date of service is reported as XX/XX/2013 but I did not have service at this hospital on this date. I requested proof of debt in my dispute and it was never provided. It continues to show on my credit report.
I got myself involved with business opportunity fraud.Ipaid three companies XXXX, XXXX, and XXXX.I called Wells Fargo for help and received none.These companies did not render me the service i was promised.I told the bank I have no functional online business, no way to earn money, and ended up heavily in debt Wells Fargo seems to agree with these merchants without even contacting them.How is this fair? Me being the customer along with the bank should be able to ask these merchants for proof of what they did.Im out XXXX and the bank says to bad.These merchants should be put in jail for robbing the elderly.I was also told by the attorney general i had the right to dispute these charges as claims and defenses. What good are laws if the bank does not follow them.I do not feel i am asking the bank to do something there not suppose to do.
XXXX XXXX from Equinox has repeatedly called my workplace two to three times a day every day even after being told i could not take personal calls, He even went as far as to lie and claim to be my client in order to be transferred to my work line that is for work purposes only! I gave him a specific date to call my personal phone and i would pay the debt he then proceeded to call me at work several more times over the last three weeks before the arranged date we agreed upon! I may lose my job over his harassing behavior and if i do someone will be held responsible!
I have a 3 American Express Platinum cards which cost me over {$600.00} a year in annual fees, providing the highest level of benefits and service Amex offers to consumers. On XX/XX/XXXX, I created a hotel reservation using my rewards points by accident and called the back of my card immediately. The hotel charge was worth {$440.00} but I used points for the entire purchase. I explained that I was just trying to look at how many points the reservation would cost and that I accidentally clicked on the book button. The call was only 7 minutes long and the person I spoke to from Amex ( his name was XXXX ) said no problem and gave me my points back. I assumed that meant that the reservation was also canceled since I clearly stated at the beginning of the call that I was only trying to see how many points it would cost and did not mean to book it. A couple hours later, I realized that the original hotel reservation I made was the best deal and used my points ( which had been reserved immediately ) to book the same hotel again. 

When I reached the hotel in XXXX, XXXX on XX/XX/XXXX, they said I had 2 exact same reservations in my name. They would not let me check in until I took both rooms even though I only needed one. I immediately called Amex and explained the situation. They opened up a ticket and said they would investigate. One supervisor from membership rewards even admitted on a recorded line that it was an Amex issue about 65 minutes into the call, stating that the membership rewards rep should have contacted Amex travel to cancel the reservation. Over the course of XX/XX/XXXX - XXXX, my wife and I spent over 4.5 hours of call time speaking with Amex. We had 7-8 different individuals ( reps and managers ) tell us they would open a dispute and personally promised to get back to us, but none of them did except the last one. No one gave us a timetable for resolution, no one followed up, and we had to call every 2 days asking for updates to no avail. We finally spoke with a supervisor on XXXX who read the transcript of the call on XX/XX/XXXX and said they would not be refunding, even though in the beginning of the call I stated that I accidentally booked the hotel and was just trying to see how many points it would use. 

I was naturally furious and canceled the card immediately. I have no trust in Amex after this experience and never will work with them for a personal card again. They had no remorse, no offer of trying to fix the situation, no acknowledgement of the horrible customer experience, and no satisfactory resolution.
To whom it may concern, My complaint is that I am making payments of {$460.00} per month to Navient and have paid over {$26000.00} into a Student loan ( Parent Plus ) loan in which the original loan disbursement was {$37000.00}. and I still owe {$57000.00}.

This loan was in deferment and forbearance as long as was allowed as we were counseled by the student loan administrator at the school. It was disbursed in XX/XX/XXXX and I began making payments in XX/XX/XXXX. 

I have discussed lowering the balance with Navient and of course they will not. I wrote a letter to my congressman in XX/XX/XXXX who in turn contacted the U.S. Department of Education Federal Student Aid. They sent me a packet giving me all the scenarios for student loan forgiveness which I do not qualify for. I don't even qualify for lower payments given my income.

My greater complaint is that our Federal Student Aid Department will, one, allow a loan like this to be made at all, and two, it would allow a loan like this to be made to students and their parents without insuring that the parties understanding exactly what they are getting into.

When we went into the student aid office, we were in there for all of 20 minutes. The online process was very short and easy. There was no discussion of capitalized interest and what that could look like after several years. We were also told that we could easily transfer the account into his name at a later date. This was not the case.

The amount of interest we are paying is astronomical! This would qualify as loan sharking! I don't believe there are the checks and balances or required education in place for students looking to get a higher education. We are under the assumption when getting Federal Student Aid that the government has our best interest in mind and would not allow us to be taken advantage of in this way.
I received an urgent notice about my mortgage in an official looking envelop. This was unsolicited and did not indicate that it was a marketing flyer. It refered to 'guideline changes ' and that I was selected for a 'reduction progarm ' which will 'lower my monthly payment significantly. ' This, it turns out was untrue, but assumed they would pay off my fixed rate loan for a variable rate loan, however, the variable rate was n't much better than my fixed rate and did not amount to a 'signficantly lower payment ' compared to my current mortgage. This letter was alarming, deceptive and felt predatory in its design. In the fine print I see that it is a solicitation from XXXX XXXX XXXX and XXXX XXXX ( contact information in the attached pdf file ). I feel their tactics are the type that regulatory reform was intended to eliminate.
EXPERIAN CREDIT REPORTING AGENCY WILL NOT REMOVE INFORMATION THAT IS TOO OLD TO BE ON FILE. I HAVE DISPUTED RECENTLY AND THEY HAVE REFUSED TO REMOVE IT
This issue involves XXXX XXXX XXXX XXXX XXXX. There is an account for {$840.00} XXXX XXXX started reporting, then XXXX XXXX is reporting the same account as a collection. 

I never heard of either company until I checked my credit. It's stopping me from buying a digital label printer. In my line of work I need to upgrade my printer, it costs {$13000.00} and I want to finance it. But these accounts are costing me business. 

I wrote both XXXX XXXX & XXXX XXXX to let them know they are reporting this information on the wrong person and please delete from my credit report. I have no middle name and this individual appears to have one. Plus, there are 2 different addresses on my credit report that I have never lived, nor do I know the occupants at those addresses. 

XXXX XXXX sent a letter and said, " We are in receipt of your recent correspondence regarding an account with XXXX XXXX XXXX. Please be advised that we were unable to locate an account with the information that was provided. '' The information I provided XXXX XXXX regarding this issue, is what XXXX XXXX reported on my credit ... Yet they have no information on what was provided. 

How does that happen? 

XXXX XXXX replied and provided a statement for {$840.00}. The statement is addressed to a place I've never lived. The only reason they have my address is because I wrote to state my address to quickly resolve this matter. Where I receive mail, I have been doing so, since the age of XXXX. 

How does that happen? 

I wrote XXXX XXXX back explaining they are reporting on the wrong person. That letter was dated XX/XX/XXXX and I have yet to hear anything from him relating to this subject. Furthermore, I included two invoices showing my legal address back in XX/XX/XXXX & XX/XX/XXXX. 

I don't know what else to do ....
My mortgage account was paid in full with Mr. Cooper in XX/XX/XXXX. I never received a paid in full letter or a copy of the Satisfaction of Mortgage. I requested this information from them in XX/XX/XXXX and it was never provided.