WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX is still showing on my credit reports, this is a debt that 's over XXXX years old and should automatically be removed from my credit report, the debtor has written this debt off and due to new law ruling passed effective XX/XX/XXXX, no judgments are to be reflected on your credit report also due to : Federal Trade Commission, Office of the Attorney General, Department of Banking and Finance, Office of Thrift Supervision, Better Business Bureau, Advocates for Fair Credit Reporting this must be deleted from all 3 credit bureau 's effective immediately and to date this has not happened after several letter attempts to Transunion, XXXX  and XXXX by law this is illegal. Please remove from all 3 credit bureau 's immediately. I was advised from a free legal counsel service which advised it is against the law for XXXX XXXX to attempt to sue for garnished wages of which they attempted to do in XX/XX/XXXX, even the court advised they are not allowed to attempt to ever sue for garnished wages again.
XX/XX/XXXX I called XXXX to make payments on four private student loans that I co-signed for my daughter. I advised that the payment the service agent quoted was incorrect. After being transferred to three different agents I was advised that the payment was correct and one of the loans had been in deferment and now due. Ask when did the loan come out of deferment they advised XX/XX/XXXX. I  immediately advised that I was not aware and nor had the previous payments made XXXX thru XXXX was I told a different amount was due. I requested that they review the recorded conversations to confirm that I was never advised that the payment had come out of deferment and I paid exactly what the agent quoted. I made repeated attempts to get the notices re-aged but to no avail. XX/XX/XXXX I sent a certified letter requesting the history be examined, the letter was signed for on XX/XX/XXXX and as of today I have not gotten a response. The notices caused my credit score to tank and which subsequently resulted in my equity line being closed and the payment increased, Visa closed along with an increase in my mortgage insurance and credit limit on another card slashed from {$3400.00} to {$250.00}. This has caused a total melt down and I have yet to get a response. Please help
I applied for a personal loan at Wells Fargo. I have had an account with them for several years now and I 've never taken out any type of loan with them in the past. I got denied because I have bad credit which is understandable. My banker then recommended me getting a co-signer to reapply. I went and got my sister to help me out noting she has excellent credit. When we went back and reapplied, the banker notified us we had been denied again, acknowledging the good credit my sister has but the reason we got denied was because my sister " was not associated with the bank '' meaning she does n't have an account there. Even the banker herself thought that was a " ridiculous '' reason. I think that is unfair and misleading. Why they even told me to get a co-signer in the first place if I was going to get denied regardless. I felt betrayed by the bank I 've been loyal to for years. I do not want to change banks but I 'm losing faith in this bank. Hopefully this issue can be resolved.
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX-XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never lived here please remove these address from my credit file XXXX XXXX XXXX XXXX # XXXX, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Creditor : XXXX XXXX Account closed and XXXX loaned signal boosters returned to them on THEIR prepaid XXXX shipping labels. Several calls to XXXX with the " XXXX Proof of Delivery '' acknowledged. 

A month later, started receiving letters from a collection agency. I replied to letter requesting that they send me proof that they are the " creditor in due course. '' I did provide them with the " XXXX Proof of Delivery '' info. As of XX/XX/2017, no reply. 

Called XXXX again, provided the return " XXXX Proof of Delivery. '' I was told my case would be turned over to their Executive Response Team and I would hear back from them in a few days. 

What I got back was a letter masked to look like a collection agency attempting to collect a debt but is really from, I believe, XXXX Executive Response Team. 

I would like from XXXX XXXX : 1. A letter admitting their error. 
2. No further contact from any outside collection agencies or XXXX XXXX internal collection department " attempting to collect a debt! '' 3. In the event this appears on my credit report they ( XXXX XXXX ) will immediately remove it. 

Thank you for your assistance.
I have had continuous issues with PNC over the past year on this short sale. One episode if erratic behavior and requests after another. I am being told they will not allow an extension on the approval because they only allow up to 60 days to close. Reference a past approve issued in XX/XX/XXXX. We could not proceed with closing until the approval was revised to include the payment toward the UCC lien. Which that approval was issued on XX/XX/XXXX, this was not an extension but a complete corrected new approval. I even had to RESUBMIT the complete packet and it was reviewed for a month and then reapproved to include the UCC lien and issued on XX/XX/XXXX.  We were then able to proceed with closing at that time, with that said we are only in a little over 30 days and extending to the end of XX/XX/XXXX with be under the 60 days you are referenced to. 

There isn't any reason why they shouldn't issue an extension on the approval until XX/XX/XXXX as that is within their 60 day to close policy. There is a foreclosure set for XX/XX/XXXX that It feels like PNC is jeopardizing the file to pursue.
I received a flyer in the mail about being pre-approved for a loan of at least {$400.00}. I applied for the loan online at bigpictures.com, within 10 minutes I received a phone call from a rep at big picture loans. I was informed I was approved for a {$800.00} payday loan and my interest would be {$280.00}. Total loan amount {$1000.00}. So I agreed to that term which seemed fair. What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure was not visible at the time I accepted this loan and the loan had been processed and funds deposited in my account, it showed a APR of 739.9891 % making my total pay back amount {$6800.00}, finance charge amount is {$6000.00}. Big picture loans has debited a total amount of {$840.00} from my account my past three paydays.
On  XX/XX/XXXX , I purchased a new vehicle from  XXXX   XXXX   XXXX  in  XXXX , Oklahoma. I had secured financing through my own bank for the transaction. I told the dealership that my bank had ran my credit for my approval and they should NOT run my credit. They said, no problem.  <P/> On  XX/XX/XXXX , I was contacted by the dealer requesting I complete a credit authorization form. The dealer stated my credit union required the form to be signed in order to complete the file. The dealer then sent the form to me on  XX/XX/XXXX  for my signature. Once again stating that the form had to be signed in order to fund my loan through my bank. I have a voicemail and emails to confirm this.  <P/> I noticed the evening of  XX/XX/XXXX , a credit pull showed up on my credit report from CredCo. I called CredCo to confirm that in fact the dealer had pulled my credit report.  <P/> Based on my research : Under the Fair Credit Reporting Act, a car dealer may pull your credit -- if you consent by filling out and signing a loan application. However, when paying with cash or prearranged financing, a dealer has no right to coerce you to agree to a credit check by invoking t he USA Patriot Act, the  XX/XX/XXXX  federal  anti-terrorism law.
They reporting that I owe a debt but I asked them to send me the original contract bearing my signature and their and I still have not received it
I made an on-line purchase from XXXX back in XXXX 2016. The charge was made on-line to Paypal. I never received the item and contacted Paypal. So Paypal put in a dispute. Paypal says the payment was returned but because it was entered wrong I should pay the XXXX so it can move over. That made no sense to me at all because it still sounded like I 'm paying for something I did n't receive. I keep getting a bill for {$12.00} which I refuse to pay. Have had contact with Paypal several times.Last contacted them on XXXX XXXX
On XX/XX/2018 I called the XXXX XXXX hotline at XXXX to make a Loan Cancellation Payment. I gave the representative my correct bank account information : I clearly stated the routing number on my bank account and XXXX XXXX account : XXXX. I asked him to make a Loan Cancellation Payment of {$4200.00} and he told me that he submitted the payment using the bank account information stated above. He also informed me that XX/XX/XXXX was the deadline for my Loan Cancellation Payment because it was 120 days after the loan disbursement. 

On XX/XX/2018 I received a message on my XXXX  XXXX account stating that the XX/XX/XXXX payment was rejected because my financial institution was unable to locate my account. However, I had given the information for the same bank account I have always used to make loan payments and I have never had a problem doing so before. I called the XXXX XXXX hotline for guidance and a representative told me to make the payment immediately and that she would submit the case for review. I made a payment of {$4200.00} from said bank account through my XXXX account on XX/XX/2018 as the case was submitted for review. 

On XX/XX/2018 I received an email stating that XXXX   XXXX had conducted a review and could not make a Loan Cancellation Payment because I had submitted my payment through my XXXX account on XX/XX/2018, the day after the 120 day cutoff for a Loan Cancellation Payment. However, I had actually made the Loan Cancellation Payment through a telephone representative on XX/XX/2018 with the exact same bank account information, which mysteriously failed to go through. When I made the payment with that exact same bank account information on XX/XX/2018 the payment went through. I called the XXXX   XXXX  hotline to contest the decision : If the Loan Cancellation Payment did not go through on XX/XX/2018, it was neither my nor my bank 's fault because the payment successfully went through when I made it 8 days later. The error is on behalf of XXXX XXXX   and its representative. Therefore, the {$4200.00} payment I made on XX/XX/2018 should be scheduled as a Loan Cancellation Payment. I should not be penalized for the mistakes of XXXX XXXX and its representatives.
Since I last reported Experian to the consumer financial protection bureau I haven't heard anything different from them. I have asked them on the last report as of XX/XX/2018 they haven't tired to provided me with any updated information according to what the bankruptcy letter stated. In the letter that was sent to them it states that according to the FCRA laws and guidelines, " Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature ''. As of now they don't have a direct line for you to talk to anyone all you get no is a recording instead of speaking with a live person.
On XX/XX/2018 and XX/XX/2018, I sent letters to TransUnion disputing incorrect public record, Bankruptcy Chapter XXXX-dismissed Texas. XXXX and XXXX were also contacted, they investigated and determined that the information was incorrect and the accounts were deleted from XXXX and XXXX. I requested for TransUnion to send me the name of the person that verified the information at the Bankruptcy court, the date it was verified and the name of the third-party person that was used to provide them with a verification. I called TransUnion on three occasions to follow up on the disputes and was told by specialist the information was verified. I was told by XXXX, Supervisor, that he could not provide me with that information. I called the court and wrote the court and I received a letter that they do not provide a debtor 's full social security number. So how did the third-party the credit bureau verify this as my account without having the full social used from the court?
WORKS & LENTZ was contacted by us on the WORKS & LENTZ website at XXXX on XXXX/XXXX/2016, by email on XXXX/XXXX/2016, and by phone on XXXX/XXXX/2016 to stop contacting To stop contacting contacting us. WORKS & LENTZ was informed if they continued they would be in violation of the FDCPA Guidelines for Collectors. We requested for WORKS & LENTZ to send list of all debt owed within 30 days. Once debt was validated they would be paid in full within 90 days. We received a ambiguous and vague bill via court summons ( lawsuit ). WORKS & LENTZ contacted local extended family and extended family several states away. We settled out of court paying full amount owed. WORKS & LENTZ then tells us we have to pay there fees for the lawsuit filing. Yet if they had sent us a bill that requested withing 30 days they would have been paid in full. We believe WORKS & LENTZ used this as a tactic to get extra money. We have website print out if needed of attempt to contact WORKS & LENTZ on there website. We also have email if needed where we attempted to contact WORKS & LENTZ by email
I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, XXXX, and Equifax to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with Equifax because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.
I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved
XX/XX/XXXX I divorced XXXX XXXX XXXX, she went on to open credit cards and loans in her name. One of the cards that she open was with US Bank, which she charged up to the sum of at least {$15000.00}. She failed to make payments to this institution and was turned over to their collections department. Since XXXX XXXX did n't make the payments they tried to get me to. I explained to them that we were no longer married and have n't been for several, the debt is not mine. I have sent them copies of my divorce papers and they still placed it on my credit report as a debt that I owe. I find this very unfair and would like it removed from my credit report. I ca n't get US Bank to do anything about this matter. I am hoping that you will be able to resolve this matter with me. It is the only bad mark on my credit report, it is hurting my chances of refinancing my home.
On this account I made my request for validation, which I have not received response by the corresponding processes, if the agency does not have the necessary documents to prove I m obligation on it shod be removed from my credit reports under FDCPA 15 USC 1692g Sec. 809 ( b ) can not keep unverifiable data in credit bureaus, also they violate the FCRA Law passed 1970 I request 1- What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3- Provide me copies of any papers that show agreed to pay what you say I owe 4- Provide verification or copy of any judgment if applicable 5- Identify the original creditor 6- Prove me the statute of limitation has not expired on this account 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent
I submitted a request for the removal of PMI after my loan reached XXXX % LTV ratio in XX/XX/XXXX. I received confirmation of my request on XXXX XXXX, 2015. This stated that they received my request, and that I would receive a written determination within 30 days. 

On XXXX XXXX, 2015 I received a phone call stating that I had submitted the FHA form, and I needed to submit the conventional. While on the phone, I brought up the form, and confirmed that I had sent the conventional. I placed on hold and the customer representative came back and stated that I had filled out the correct form, but I had not checked any boxes. I confirmed that I had not check any boxes, because none were relevant to me. 

Again I was placed on hold, and when the customer service rep came back on, she stated that the requirements for removal were a XXXX %, LTV. I stated this was incorrect, my loan documents stated it could come off at XXXX pct, with automatic removal at XXXX pct. Again I was placed on hold. When the representative came back, she asked that I email a copy of my loan documents, which I did. 

On XX/XX/XXXX, after 3 months of no reply, I called to check on the status. The representative stated that they did receive my request, but needed me to fill out a new one. When asked why they needed a new one, the representative stated some of my information may have changed. I stated the form only asks for my loan number, address, and SSN, which have all stayed the same. Again I was placed on hold. After 5 minutes the representative returned and said they did not have an image of the request. When pressed whether they lost it, she would not comment. 

After 100 days, I am still at the beginning process of the removal of my PMI. Due to this delay, I have paid an additional 3 months worth of PMI.
I had XXXX assistance for a XXXX with XXXX in XXXX XXXX Mo. When it was all done l received a bill for $ XXXXfrom northwest financial a company owned by XXXX. I went to thete office with my assistance they discounted. I made payment by check {$150.00} they avcepted. A week or so later they sent my check back to me refused payment said l owed more and was attempting collection. It is now on my credit report. I have all documents and the check l tried to pay but was refused. I do n't feel l owe this debt
After reviewing the falsified documents provided to me from Select Portfolio Servicing INC thus far, we conclude that they nor the Trustees have a legal right to be servicing/foreclosing/collecting on my property.
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties. THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
I received an email in regards to collection debt which does not appear to be mine. First of all, I never lived at the following address listed on the account. I never had cable from XXXX. I noticed 2 errors found and I am contacting you in regards to that matter. By law I am contacting you through this portal and upon receiving this message please be advised that Ive filed a police report, contacted the FTC and filed a report. I have also filed a lawsuit at the civil county courthouse located in XXXX TX. I am giving you less than 3 days to remove this error from my credit file by the ending of the week. If not I will contact my lawyer immediately upon your response.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
i recently noticed on my credit report a debt collection. This collection is for {$78.00} and was added to my credit report on XX/XX/2018 from IC System. A collection company I have never heard of. This reporting is inaccurate and laws have been broken. Now we all know that collection companies buy debt and do such illegally. Also, we know collection companies will call, harass and threaten consumers to get money they paid another company for your debt. Also, even though a collection company buys debt, the consumer can still pay a debt to the original company. However, this company that added this supposed debt did not follow the law. According to law, you must first contact the consumer and make them aware of any debt to that is owed and be sure a debt is even owed, then you must send something in writing and give the consumer time to agree and make arrangements. Furthermore, this company failed all aspects. I know nothing on this debt, was never contacted by any means and I have not signed any legal document in regards to this company. I have contacted my local postal carrier and it shows nothing from this company. Now I have contacted my local attorney general office and family attorney on this matter.