WillisBack/dataset-financial-user-claim huggingface dataset:
I have an account with XXXX XXXX XXXX XXXX. I have always made payments to them either by sending in a check or making a phone payment. 

My due date is always on the XXXX of every month. On XXXX XXXX I called in and made a phone payment for the min amount due. 
After monitoring my bank statements I noticed that it took a couple of days longer than normal for the payment to process. At that point I signed up for the online access to my account so I can investigate, and find out that there is a cut off time for the payments. 
During my online investigation I was then made aware that there was a XXXX deadline on the due date Now no where on their paper statements or on their automated payment system did it ever mention that there was a specific time that the payment was due by. Therefore I was not informed and made unaware of a time specific deadline. 

My payment was technically made on XXXX XXXX, XXXX at XXXX. Which is technically considered by date XXXX XXXX, XXXX. 

I had called Kohls multiple times to dispute this and just received a letter stating that the must report the late payment to the credit agencies. 

My dispute is that since they do not inform of a specific time frame dead line on all of their forms of payment, then they should not report a late payment to the credit agencies.
This is a complaint in reference to a credit card account ending in # XXXX that was sold from Capital One to XXXX. XXXX removed the credit card account ending in # XXXX from all XXXX credit reporting bureaus after I filed CFPB complaint because of fraudulent add on charges. This complaint does not include XXXX as they fully address the situation and I thank them for that, reference the original CFPB complaint # XXXX. On XXXX/XXXX/XXXX I disputed Capital One with the XXXX CRA 's, Capital One continued to make updates to this account as if they still own it. They made an additional update on my credit report even after I disputed showing it was 30 days delinquent in XXXX XXXX. Yet they sold the account to XXXX prior to XXXX XXXX, I do not know the exact date Capital One sold it to XXXX but XXXX sold the account to XXXX in XXXX of XXXX. I have attached a letter from XXXX showing the transfer to XXXX. I have also attached a prior statement showing Capital One account number matches the account number listed on the other documents, XXXX shows the original creditor as XXXX. Yet Capital One continues to report on my credit report updating with current activity that happen after the date of there sale to Capital One. Again XXXX has removed this account from all XXXX credit reporting agencies and I have enclosed the letter from XXXX dated XXXX XXXX stating this. 
Yet Capital One continues to add current updates to this account as if they still own it.
XXXX   XXXX   financed a car I purchased from   XXXX    located at   XXXX   XXXX   XXXX  . I was under   XXXX   XXXX   when the   XXXX   XXXX   I had was totaled. The case number was  XXXX , I was discharged in  XXXX . The Trustee was   XXXX   XXXX   XXXX   Chapter  XXXX .   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  TN  XXXX . Attorney   XXXX   XXXX   mishandled my case terribly. He filed the law sue that I filed in  XXXX , as workman 's compensation.   XXXX   XXXX   brought this to my attention. He made my personal records public. I did a substitute of collateral. He allowed payroll deductions to continue to be applied to a car.   XXXX   XXXX   posed as a paralegal and had access to my records.  XXXX  attorney was   XXXX   XXXX   XXXX   (  XXXX  ) &   XXXX   XXXX   XXXX   (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX , TN  XXXX . I paid the courts {$18000.00} from the medical malpractice law sue in  XX/XX/XXXX . I do n't know what the courts did with all the money I paid. The vin number on the   XXXX   XXXX   XXXX   XXXX  as  XXXX . I was laid off of my job on  XX/XX/XXXX , payments continued to be payroll deducted until   XXXX    when I was discharged. My insurance was with   XXXX   XXXX   XXXX  . I purchased a warranty with the  XXXX . The warranty was stole by   XXXX   XXXX   and   XXXX   XXXX   to service a series of cars without my knowledge. I learned of this theft when I pulled my bank records with   XXXX   XXXX   XXXX  .
I apply for a credit line with XXXX and I was approved. But on my credit report with Trans union appear a credit inquiry, like it was n't aproved. My dispute with Trans Union is, if I was aproved why I have the negative inquiry in my report. Thank you for taking care of this issue. 
I been working hard in rebuilding my credit. Please remove it from my credit report.
I have disputed these account entries with the credit bureaus and The XXXX XXXX alike. Per my credit report, these entries were opened with The XXXX XXXX in XX/XX/XXXX. They began reporting these entries on my credit report in XX/XX/XXXX ; however, I never received any communication from this company that they were attempting to collect this alleged debt. I have never heard of this company nor have I ever did any business with them whereby a contract was signed. By not receiving a dunning letter, this is a direct violation of my rights. How am I to dispute the validity of an account if I am never notified. Had I not retrieved a copy of my credit report recently and noticed these inaccurate, unverifiable account entries, I would not have known they existed. Upon retrieving my report, I sent a certified letter with return receipt to The XXXX XXXX requesting that they validate this debt. I received correspondence from the XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX whereby they attempted to respond to my dispute. 

Preferred Collection and Management provided copies of documents that are in violation of HIPAA as well as only reflecting a balance of XXXX which is contradictory to what they are reflecting on my credit reports. The balance for the 2 account entries are {$210.00} each ( Total {$420.00} ). How then are they saying they are verifying the account entries. THIS IS A LIE AND DECEITFUL!! Further, if XXXX XXXX XXXX XXXX XXXX has access to private information regarding the nature of the visit and exams and the facility ; where is the financial responsibility page that they should have whereby I granted permission/consent for XXXX XXXX XXXX XXXX to disclose this information? I requested a copy of all paperwork that was sent to me regarding this alleged account as well as a copy of any documents that bore my original signature. To date, to no avail. How then is this company reporting that these account entries are valid? 

I am aware that HIPAA allows for certain information to be shared with 3rd party collection agencies for the purpose of collecting a debt but NEVER does it allow them to disclose confidential information without written consent. Preferred Collection does not have this information and were negligent in their reporting this entry as well as in the information they sent. 

This company continues to blatantly violate my rights. I am requesting that this erroneous, inaccurate, unverifiable entry be DELETED from my credit reports IMMEDIATELY!
This bill is for lab work as part of a physical that would be covered @ 100 %, however, it wasnt billed correctly. The doctor was to bill this as well visit, I have advised them several times that they need to re-bill this, however, they have refused too and sent to to collections.
I am a victim of identity. The following inquiry is unauthorized and fraudulent : XXXX XXXX XXXX.
I have disputed this account via this website and have not received a response within the allowed timeframe. It was given 30 days to dispute.
Dear XXXX XXXX XXXXMy name is XXXX XXXX and I 'm a XXXX year old widow. My husband passed away 12 years ago next month. At the time of his death I was not able to afford my mortgage payments but knowing I 'm responsible for my debt I started taking in roommates to help cover my income shortfall. Time and time again I found myself being taken advantage of and had to move multiple people out. After trying to make it work with roommates I just found them damaging my property or not paying me. Finally after about 10 years ( XX/XX/XXXX ) I decided enough was enough and tried selling my home. It did not sell and I relisted it in the XX/XX/XXXX and still has not sold. Not being able to afford my mortgage I fell past due on my XXXX payment. Wells Fargo started calling me XXXX times a day and they finally broke me on XX/XX/XXXX. By that date I had spoken with multiple people and had received information in the mail. But on XX/XX/XXXX I got a call at work. I told the gentleman that I was at work and to not call me there anymore as I was working and losing my job would not help the situation. I hung up on him. XXXX minutes later he called back. I was in shock at the blatant disrespect and felt harassed that he would do that. Again I told him to stop calling me there and while he did not call me again that night I still received calls and voice mails at my job. Also in cutting back my expenses my only home number is now my cell phone which they are repeatedly calling. Sometimes there are people there and sometimes there are not. I sold some personal property and was able to make XXXX mortgage payments on XX/XX/XXXX. After doing some research I believe Wells Fargo violated my rights under the FDCPA and TCPA. Please take action against them on my behalf. I also do n't want to receive phone calls from them ever again! I revoke any consent I have given them to call me at my job, cell phone or any other number they have. I 'm happy to respond to them in writing. 

Thank you XXXX XXXX for your help, XXXX XXXX
Both my husband and I have tried to order our credit report from the https : //www.annualcreditreport.com/XXXX website. Both attempts ended in an error or the report not being available. My request was for XXXX and my husbands was for Transunion. Please correct this problem so we can get copies of our reports.
I never checked my credit score, but I was applying for a Mortgage Origination License with the NMLS, and I discovered a derogatory item on my credit history. It is showing that I have an existing account in collections from XXXX XXXX XXXX, stating that I have taken out an unsecured loan that was originally opened on XXXX XXXX, XXXX, totally an amount of {$3900.00}, which now a closed account due to insufficient payments. I have not taken out any type of loans in or around that time it states, and I want to resolve this problem before it affects me anymore. I am not sure if it 's mistaken or identity theft but I tried reaching out to the service. XXXX XXXX XXXX and they said that " my account is no longer accessible '' because they sold my account to another company. I then asked for the company information to who they sold it to or passed it on to and I was told from the person I spoke to that, " He will call me back with a phone number '' so I can reach out to them. I never heard back from this company and called back for a second time and was told the same thing the last time I spoke to XXXX XXXX XXXX. Again, I received no phone call or email. At this point, I am stuck and do n't know what to do and will want additional help to resolve this matter as soon as possible.
My chase account went negative and as soon as I saw it, I deposited the needed amount to cover the fees. But the cash deposit didn't post until the next day, I fot charged over {$90.00}!!! In fees! Now I'm at over {$120.00} negative! Even though I paid the negative balance the same day it went negative.
XXXX Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

XXXX has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by XXXX. 

I will be uploading my Experian report clearly showing these negative inaccuracies. I believe that XXXX is violating the FCRA and FACTA. 

I called Experian XX/XX/XXXX to dispute this information, so I know that XXXX got my dispute and Experian provided a report showing that the information came back as verified ( which is clearly inaccurate )
On  XXXX   XXXX ,    2017   XXXX   XXXX  made a hard inquiry on my credit report. Now, they deny it ; the Experian CREDIT beurau denies it as well. Neither company is willing to help. I am applying for a loan for a house and need to get this removed asap.
I have requested validation from XXXX XXXX they have failed on numerous occasions to provide this information. I have recently been informed that there is negative information reported by XXXX XXXX. Upon reviewing a copy of my credit report, I see a derogatory account with a balance of {$580.00}. This account was previously removed from my credit file. ( PLEASE SEE THE ATTACHED DOCUMENT ). 

I challenge the accuracy, compliance and reportability of this listing. XXXX XXXX has yet to provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted again from my credit file. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including  documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
In XX/XX/XXXX. I cancelled the $ XXXX/month charges x 2 months ( XX/XX/XXXX & XX/XX/XXXX ) and received credits for these charges from the Transunion Interactive Co . In XX/XX/XXXX, I received XXXX more charges on my credit card for {$35.00} and called the company a second time. After a lengthy and argumentative session with a supervisor, he informed me that I had received refunds for the XX/XX/XXXX and XX/XX/XXXX charges but had " used '' XX/XX/XXXX charges and would have to pay those. I do n't even know at this point what was signed up for, what I was paying for or what the company provided for this charge. I think they are giving me the run-around and the website does not state specifically what you are paying or signing up for and is very confusing. Therefore, I would like to lodge this complaint against the Transunion Interactive company.
Section One : FALSE OVERDUE NOTICES I am making a request for your office to determine why I am receiving letters stating that my mortgage payment is overdue and I am now being charged a late fee? 
Attached is an affidavit from my bank showing that all my payments from the past have been received and posted prior to the XXXX of the month since XXXX XXXX. 
2. Please find out what are my monthly payments? I have been sent a notice of {$950.00}, {$660.00}, and now {$740.00}. I would like to see the math on all of the above figures. How did my loan go from {$790.00} to {$950.00}? I would like to see the math. 
After a refinance in XXXX of XXXX, I have been making payments of XXXX. This is an FHA loan and includes principle, interests and hazard insurance. I have a 100 % tax abatement given to me by XXXX Country for persons who are XXXX and over and beneath a certain income since XXXX. 
3. I have also been sent a statement for late payments for the previous month for {$1500.00}. How was this tabulated? 



Section Two : ESCROW ACCOUNT/UNAPPLIED FUNDS 1. I finally found out last month there was some type of unapplied funds of XXXX. Why are these in an unapplied fund bucket? Where did the {$220.00} go of the XXXX? I have never made a partial payment. What check number was this? Please ask them to provide the check number ( see bank report for check numbers and payment ). I have never paid a partial payment. Please ask them to provide the check number and why money is missing.
Experian is falsely reporting XXXX dismissed bankruptcies and a XXXX. Disputed with bureau all items came back verified. Contacted the court and the told me they never verify to any 3rd party lenders. Nobody has called or wrote to there office. XXXX was disputed by Experian came back verified, contacted XXXX Directly and was told that they do n't even have all the documents from the very beginning of the credit card. So I 'm very interested in how they report.
On XX/XX/XXXX I filed an on-line dispute with Equfiax regarding a tax lien that was incorrectly reported. As of today 's daye ( XX/XX/XXXX ) the account still shows as " pending '' on-line. 

I contacted Equifax via their on-line chat on XX/XX/XXXX and was told I must call during the hours of XXXX local. I called at about XXXX on XX/XX/XXXX and was informed that the dispute investigation had been completed on XX/XX/XXXX and I had been notified by email. I received no such email. 

Upon checking my email accounts, I verified that no email was sent and/or received on that or any other day from Equifax regarding this dispute. Additionally, the Equifax rep said she was re-sending the email. That email has also not been received. 

The dispute is regarding a tax lien filed in XX/XX/XXXX and subsequently paid off. Equifax shows the amount still owing. In addition, Equifax does not show the item in dispute as is required.
I recently received a response  from U S Bank mortgage. I would like for them to provide me with the interest statements reported to IRS from  XX/XX/XXXX - XX/XX/XXXX . I 've pulled all of my tax transcripts. I never received them to file returns. I am trying to take care of IRS. U S Bank Mortgage was added to the bankruptcy court on  XX/XX/XXXX  when  I filed. I filed bankruptcy due to the fraud acts. I needed the courts to sort everything out. I need all of my interest statements on the property at  XXXX   XXXX   XXXX   XXXX . I 've pulled all of my transcripts from   XX/XX/XXXX - XX/XX/XXXX  wit h IRS. A series of payments was made to US Bank Mortgage, different account numbers. The payments was made by  XXXX    XXXX   XXXX   &  XXXX   XXXX . {$100000.00} was sent to US Bank Mortgage o n  XX/XX/XXXX  fr om  XXXX   XXXX . My account was used I had with  XXXX   XXXX , via  XXXX .
My payments are being fully applied towards the balance transfer amount on my card, which is at 0 % interest until XXXX of 2019, instead of applying towards my purchases which are at a rate of 24.99 % APR, resulting in more interest being charged than should be.
I have been disputing my credit report with transunion and XXXX, I still have not received any written notification from any XXXX of the XXXX bureaus in response to my disputes for whats being reported first off they have the " Wrong '' DOB, that in itself requires automatice deletion. Also, they removed XXXX inquires from my report and the added them back some are which over 1 & 2 years old. Its to the point now where im really irritated because as a consumer we have rights and they just decided what they will put or keep on our reports that effects our everyday well being at their expense or leisure is that Fair reporting. With saying this Theie investigation took too loong abd I didnt get the proper notice of the investagation status or even results. It been well OVER 30 days. I want the items REMOVED at once. Also XXXX XXXX XXXX sold to this company after settling as as paid as agreed. I Want this removed or Im climbing the scale to take this futher.
I Contacted IQ Data to follow on a validation letter signed by my client to validate a debt requested on XX/XX/2018. The letter is attached with this complaint showing a fax confirmation of our request to their fax number on their letter head in response to our first request which was not completely done but only a statement from the original creditor which also was not a break down of fees or charges, from them or the creditor. 

I called on XX/XX/2018 and spoke with an account representative about XXXX and XXXX being deleted from my clients credit reports but XXXX was still being reported. 

I had asked why they still were reporting to XXXX? First the rep told me that it was outside their statute of limitations. I then asked if thats the case, why then are you still reporting it to XXXX? This representative seemed very confused and placed me on hold. 

A supervisor by the name of XXXX XXXX got on the phone and told me that your client has sent us a cease & desist letter, and we can not discuss this debt with you or him. I disagreed to her response and said that is not true. I have the letters in front of me. Our last letter was dated for XX/XX/2018 asking you for the missing information that we never got in my clients letter dated from XX/XX/2018. I see you guys are not validating the debt or sending any response to my clients request which they said they received. XXXX XXXX said my client has sent them a cease & desist letter which is not accurate. The last letter which is attached clearly states if they did not respond to my clients request that they are willfully in " Admission of Silence '' by not responding and my client will use that in his defense. After telling Mrs. XXXX this, she started yelling at me and asking me if I was an attorney and I clearly said no, but Im my clients agent with a POA on file with you as a licensed credit repair business. Mrs. XXXX would talk over me and not allow to pursue my clients request in disputing the debt and requesting a fair validation request or respond to our second request. Still the validation request has not answered in a timely manor. My client feels they have violated his Fair Credit reporting rights.Its now been 30 days as today writing his validation. 

Please see both letters attached- POA ( Notarized ) Fax confirmation for XX/XX/2018
Re : Loan # XXXX Dear Sir or Madam : The reason for this letter is to report that I am in the middle of a loan modification and also a foreclosure for my home, which was filed unknowingly against me by Nationstar Mortgage. The scheduled sale of my property is set for XX/XX/2016, which I was not aware of. 

Most importantly, I was uninformed and relying on Nationstar Mortgage representative 's verbal promise that stated : " We will not foreclose on your property while under the process of obtaining a loan modification. '' Furthermore, Nationstar Mortgage purchased my mortgage from XXXX over two years and the loan has ballooned with numerous outstanding fees tacked onto the account each month. So, I am requesting that the mortgage company forward me the information listed below. 

Please forward an itemized breakdown of principal and balance amounts pertaining to the loan. I am also requesting the complete details and contact information and an audit of account by outside source. I greatly appreciate your assistance in this matter and look forward to your prompt response. 

Respectfully, XXXX XXXX