WillisBack/dataset-financial-user-claim huggingface dataset:
Currently reported to collections an account older than 8 years old. Card amount is settled on my XXXX XXXX report original creditor XXXX XXXX. {$700.00}. XXXX XXXX XXXX was paid {$700.00}. In 2015. Basically, I have had this account already removed and settled on both my XXXX XXXX and XXXX  reporting agencies. Simply due to the age of the account it should my show up as new without my receiving the paperwork needed to settle this account. I requested the paperwork be sent to my home on the date it appeared on my account. So far nothing
I am filing a complaint against Transunion, XXXX for their continued willful and negligent noncompliance to fix erroneous information on my credit report. Despite XXXX written request, Transunion failed to resolve the matter and continuously responded back that the information was " verified '' with no documentation to support the method of verification or accuracy of the disputed accounts. The FCRA law is clear regarding my rights and Transunion have caused me great credit damage because I have been denied credit on numerous occasions and been charged high interest rates due to the incorrect information on my file. I hope this matter can be resolved as soon as possible.
HI, The problem seems to be the fact that the reports do not show credit reports showing all payments have been made on time, there have been no late payments missed or late for as long as I can remember. 
There was reporting of my lease payments made every month for for the time i have lived here, for some reason that reporting stopped?, I have never been late or missed a payment ever, but the non reporting seems to have affected my score, in the credit report it shows that there were a few missed payments when i purchased my car, this is incorrect, I purchased the car in XXXX 2002 ( new ) car was paid in full in 5yrs, not one payment was missed or late. 
The other accounts in my credit life such as XXXX account, phone bills, all the normal everyday bills that do not get reported i have never missed or been late, but this system does not take any of that into consideration when reporting my score. 
I have taken pride in paying my debts on time, there have been no derogatory reports, no negative anything, but yet the transunion report, and the others continue to show a few missed payments in the car purchase, account is paid in full and closed years ago, no reporting on on time lease payments going on 4 years now, never late, never missed a payment, this reporting just suddenly stopped for some unknown reason. 
I guess you can see i am a bit upset with this reporting system, the errors that are there, have tried to get them corrected by contacting the reporting agency 's, the fact that my banking and savings accounts are above average, because i closed a credit card account because i was not using it, my score went down, and it seems the only way to get it back to where it was is to get another credit card and go into debt, just does not make any sense to me!. 
Thank you for the opportunity to lay this out, really would not have to go through all of this if there was a accurate and efficient way of reporting errors that need to be corrected. 

Sincerely, XXXX XXXX.
I was reviewing my Credit Report and I noticed a few account that I never done business with on my report from a   XXXX   XXXX   XXXX   #  XXXX   XXXX   XXXX  #  XXXX , There are several reentries on my report. I am requesting a PROOF OF CLAIM or SIGNATURE.. Be advised that your claim is disputed and validation and proof of claim of the disputed  debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
Money was taken from my escrow on XXXX XXXX for taxes due XXXX XXXX. On XXXX XXXX received notice from city the taxes were not paid. Contacted mortgage company XXXX XXXX was told check was sent. Request proof be sent to city. City never received. On XXXX XXXX money was again taken from my escrow to pay for city taxes. Request the second disbursement taken from my account be returned to escrow.
XXXX XXXX HOSPITAL DOES NOT HAVE CONSUMER 's Consent to order report, and did not have it on X/XX/2016 when they requested report # XXXX. 

Consumer has never domiciled in XXXX, North Carolina. Consumer has never visited XXXX, North Carolina. Consumer has never been served with or seen any verifiable proof of claim in connection with criminal hit by North Carolina Statewide Records. Consumer declares that this is an inaccurate report. report id # XXXX and # XXXX.
Since  XXXX    XXXX   I have applied for a reduced payment plan for my private student loan because the payments are extremely high and I do not make enough to cover the payment. This resulted in a lower interest rate on the loan. I have to reapply every year, which I do, starting in  XXXX . I submit all of the required paperwork and I start calling at the end of  XXXX  to ensure that Navient has received the required paperwork. This year, I submitted all of the required paperwork in  XXXX . I called the first week of  XXXX  and was told that it was too early for me to call and reapply and that they would not help me at that time. Someone then called me  XXXX   XXXX  and said I needed to reapply for the reduced payment plan. We started the process and then halfway through, she said that she could not help me because I had to wait until  XXXX  to reapply. I informed her the plan expired at the end of  XXXX  and the paperwork I received stated that I have everything completed by the end of the month. She said there was absolutely nothing she could right now and that I had to wait until  XXXX . She then told me that she would call me on  XXXX   XXXX  and actually scheduled an appointment with me. However, I never received a call back  XXXX   XXXX . I called Navient on  XXXX   XXXX  to discuss my application. The first person I spoke to on  XXXX   XXXX , tried to tell me that I had a past due balance of over {$900.00} because  XXXX  's payment never processed. When I log into the website, it shows that the payment for  XXXX  was received. I also have emails and bank statements showing the payment was posted. When I asked her to please check the records again, she 'accidentally ' hung up on me. I called right back and got someone else. She tried to tell me that I had a past due balance of over {$500.00}. When I asked for clarification on where she was getting that number, again, I was 'accidentally ' hung up on. I called back again, again, got someone else, who told me that I could not apply for the reduced payment plan. When I told her that 's not what I was told in  XXXX  and  XXXX  and could she please check on the requirements, again, I was 'accidentally ' hung up on. I can not get anyone at Navient to give me the same answer, every person I spoke to gave me a different amount of what was owed, NONE of which matches what is showing as due online when I log into my account. It is IMPOSSIBLE to get anyone there to answer my questions and I do n't know what to do. Any help with this would be greatly appreciated!
BBVA Compass-I have a car loan thru this horrible company. Today is XXXX and I called to make a payment. I knew I was late and I was prepared to pay a late charge. The representative stated that I had a late charge from XX/XX/XXXX too! In XX/XX/XXXX, I called and made that payment thru a representative. Not once did he/she mention a late fee! No one has called about this late fee. I have not received a letter. Nothing! How can they assess a late fee and never tell you?!?! I refuse to pay a late fee that I was never informed of.
Recieved a call from a gentlemen named XXXX he left me a message while I was at work. Stating it was in regards to a debt related to my social security #. He stated I had limited time to speak with him to resolve matter. He left a number to reach him at that was not the same number he called from. A few hours later several family members and friends contacted me stating they had been harrassed by the company trying to find me and they had disclosed my personal information to them. I know have people that have my contact information that I do not speak with and now being harrassed by family that I have gone through legal matters to stay away from. This company claims I owe a debt to them and I am not even sure who they are, I asked for documentation and was told it could be emailed to me. I expressed I do not want an email only a written letter sent to my home which I have not recieved. I also expressed they are not to contact anyone other then myself and not to give out personal information if this continues I will press charges. They continue to call and harrass myself and family/friends in this matter and I have not recieved any documentation of a " debt '' that I owe.
We switched from XXXX to XXXX on XX/XX/2016. We were advised that XXXX would pay {$650.00} per line to switch us. We had XXXX lines so that is {$1300.00} to pay for any and all fees. As of XX/XX/2016, we have been getting threatening calls from XXXX about our account. We advised them at the end of XX/XX/2016 that we switched and our account should be handled by XXXX soon. The phone calls stopped. Today, XX/XX/2016, the harassing calls started again. It has not been 60 days yet and they are threatening to attach this to our credit. They have been advised that XXXX is processing the refund. I have spoken with XXXX and XXXX, only to be given a run around. I have also spoken with the company Convergent Outsourcing ( the company formerly pretending to be XXXX in XXXX but now calling themselves Convergent Outsourcing ) and they have been threatening as well. I do not feel that either company has given the appropriate and fair amount of time before calling and harassing us for the payment from XXXX. I called the FCC, FTC and now the CFPB. Can someone please make them understand how the Fair Debt Collection Practices work. When we get the pre-paid Visa 's from XXXX, we will gladly give it to them which should be within a few more weeks based on XXXX statement.
All three credit bureaus show that I have paid this loan late 6 times or more 30 days late or more. I have never paid this car loan 30 days late ( or longer ). I have called multiple times about my payments because I fell behind due to household expenses, but always paid before the 30 days. I was assured multiple times, by multiple reps in the call center, that since I was making the payment that day it would not be considered late. Go back and listen to the calls where your agents are telling their customers as long as you make the payments before 30 days it won't be reported late on your credit report. Again, I have never made payments 30 days late. It may have been day 28, but the call center said that was fine and would not be reported as late to the credit bureau.
I 've provided the original company with the identity theft affidavit from over a year ago and they just continue to push it off onto new collection agencies. 

When the affidavit of identity theft was filed, the XXXX collection was coming from XXXX ( {$400.00} at the time ). It is now with Credence ( at {$400.00} ).
I leased a vehicle in XXXX of XXXX. In XXXX of XXXX I began having difficulty making the lease payments. GMAC worked with me to turn the vechicle in early and terminate the lease early. The car was dropped off at our local GMAC dealership in XXXX CA where it was purchased in XXXX of XXXX. This account was later included in Bankruptcy that was filed in XXXX XXXX and Discarged in XXXX XXXX. The issue I am having is that GMAC is still actively reporting this account currently each and every month, which is causing it to apprear on my credit report as a currently derogatory account which is clearly is not. Also GMAC was reporting the account as paid, then when it was included in the the Bankruptcy they continued to and still are reporting it so that it appears currently derogatory. This is affecting my ability to get any kind of financing for another vehicle because it looks like I have a very active derogatory auto loan. 
G M A C DECODE XXXX XXXX XXXX XXXX XXXX CLOSED XXXX I-U UNRATED XXXX XXXX XXXX XXXX AUTO ACCT INCLUDED IN BANKRUPTCY BKPY XXXX ( XXXX ) CH XXXX BANKRUPTCY BKPY XXXX ( XXXX ) AUTO LOAN PAID ACCT INCLUDED IN CH XXXX BANKRUPTCY BKPY XXXX ( XXXX )
I have contacted Equifax via certified mail regarding fraudulent accounts opened as a result of ID theft and requested the accounts to be blocked in accordance with section 605 B of the FCRA. I have not obtained possession of goods, services or money as a result of the following account and Equifax is refusing to block or delete it. 

XXXX XXXX XXXX ACCT # XXXX Amount {$7400.00}
LVNV TALKED TO MY BROTHER AND KEPT CALLING HIM (SEE CELL PHONE RECORDS 16 CALLS TOTAL IN VIOLATION OF TCPA. ALSO, NEVER VALIDATED DEBT AND INSERTED A INVALIDATE LISTINGS ON HIS CREDIT REORTS IN VIOLATION OF FCRA AND FDCPA.
I graduated in XX/XX/XXXX and began repayment of my loans. After some challenges, I was no longer able to make the monthly payment. I often communicated my struggles with Navient and kept them up to date on my status. I was informed I was not eligible for a forbearance and even with a lowered monthly plan I could not afford the rate they quoted. In XX/XX/XXXX I inquired with Navient if they reached out to my co-signer to determine if she was able to make the payment. At that time Navient informed me my co-signer was released in XX/XX/XXXX. I why was she released I never applied for a co-signer release and the Navient representative XXXX XXXX told me " We don't have to discuss that with you. '' On XX/XX/XXXX I reviewed the Navient co-signer release application and followed up with Mr. XXXX via email asking him again, why my co-signer was released without my knowledge as the application clearly states " Only you, the borrower, can apply for cosigner release. '' Additionally attached a copy of the co-signer release application from the Navient website and I informed Mr. XXXX " I have NOT EVER completed the attached application, I did not provide any of the required supporting documentation, nor did I meet the specific requirement of " My request will only be considered if I have demonstrated a satisfactory history of making 12 consecutive, scheduled principal and interest payments immediately preceding my cosigner release application submission and in accordance with the requirements of my loan ( s ) '' that is listed on the application. '' Additionally, I asked Mr. XXXX, where can I find a copy of this completed co-signer release application form that was submitted to have my co-signer released? Why was it authorized without me, the borrower 's request, my knowledge of it occurring, and without me meeting all the requirements of eligibility for the co-signer to be released? 

Mr. XXXX never provided me with a response to my questions. I followed up with him again on XX/XX/XXXX and he still refuses to acknowledge or respond to any questions regarding the release of my co-singer without me being the borrowers request or me meeting the eligibility for my co-signer to be released. There are no documents uploaded on my Navient account regarding the release of my co-signer and I was never sent any information in the mail regarding the release of my co-signer.
Nationstar continues to tell us that there is no scheduled foreclosure sale date on the subject property, however, the borrower received a notice of trustee sale. Today, I talked to Nationstar and was told that once again there was no notice of sale. I called the trustee company and much to my surprise, the trustee company is owned by Nationstar. This trustee company said that they have not recently been specifically told by Nationstart mortgage to foreclose, however,. the file had a notice of default filed in XXXX and therefore a notice of trustee has followed. There is NO DATE on the Notice of Sale, NO SIGNATURE on the notice and NO RECORD OF RECORDING the notice on title. It was simply POSTED to the borrowers door.
On XXXX XXXX, 2016 I set up to have my tax bill paid through PNC Bank 's website. It was scheduled for XXXX XXXX, 2016 in the amount of {$3400.00} During the week of XXXX XXXX, I received an e-mail from PNC Bank saying a payment of {$34000.00} was going to go to XXXX XXXX XXXX. I contacted PNC, was told they would waive the {$33.00} fee to stop the payment ( which I NEVER authorized! ) for the {$34000.00}. They stopped the {$3400.00} payment that was suppose to arrive at the tax office on XXXX XXXX!
During my 20 years of being tied into the XXXX frequent flier program and using their tortuous credit card, I am forever locked into this card because of the potential of losing miles and I can't transfer out to a more customer friendly company than XXXX XXXX without potentially losing my miles. Over the years this company is getting more and more zealous in frequently locking up my card for no reason, and today was the final straw leaving me stranded in the Texas summer heat at a gas station and refusing to unlock my account. I have been to the top of this company before and they work entirely off an antiquated fraud detection system. For example, if you make yearly purchases from the same company, since their fraud detection software goes back only 6 months, so that for whatever arbitrary reason ( the name of the company you are buying from sounds " foreign '' ) they lock out the card frequently without reason ( can't say, they tell me because after all it is their flimsy excuse for a secret powerful processor of insight and fortune-telling ). 

Also they have begun to demand recently that you give them a text number on file so they can communicate with you. I never signed up for providing CitiCard my phone account to use at their leisure and if they want me to receive texts from them, then by all means they should send me a pre-paid phone out of their own proceeds, not mine. 

Not once in the many, many holds they have put on my account, have they ever caught someone defrauding my account, so to me it seems they have an issue with their fraud tracking software and they need to " stay off my back for something I've NEVER done!
On or before XX/XX/XXXX; AND on or before XX/XX/XXXX ; AND on or before XX/XX/XXXX ; AND AGAIN on or before XX/XX/XXXX, I have repeatedly disputed - via Certified Letters - to both the creditors as well as to all three Credit Reporting Agency ( XXXX / XXXX / Experian ) without any success! All three are reporting incorrect statuses. No response other than a computer generated response from the Credit Bureau stating they will review / investigate. Because of the Creditors or Credit Bureau not responding indicates a clear violations of the FCRA. <P/>Please be advise that I have sent over twenty certified letters ( 26 to be exact ) since XX/XX/XXXXto both Creditors and as well as to all three Credit Bureau Agency disputing and requesting debt validations. These alleged debts have been on my credit report since XXXX, though I paid these debts in full in XX/XX/XXXX!. <P/>I have requested Debt Validation from : EXPERIAN : a ) XXXX Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX c ) XXXX XXXX XXXX Acct No. XXXX XXXX : a ) XXXX / Preferred Customer Acct No. XXXX b ) XXXX / XXXX XXXX Acct No. XXXX
I had a balance of {$700.00} on my AMERICAN EXPRESS credit card. I made a payment of {$200.00}. and somehow my balance was {$590.00}. I do not use the card so I was skeptic of my balance. I called AMERICAN EXPRESS and a customer care person explained my balance. I accepted his explanation. The problem I have is this : Two days later my balance was {$790.00}. I called AMERICAN EXPRESS several times and contacted them online. I was told they ( AMERICAN EXPRESS ) charged my AMERICAN EXPRESS card, ( called a adjustment ) for {$200.00} and were sending it back to my checking account.? I did not authorize a charge or adjustment to my card. I merely inquired about my balance at {$700.00} to {$590.00}? This is what happens with AMERICAN EXPRESS customer service, do n't ask no questions.
On XX/XX/2018 I was approved for a XXXX XXXX card through Capital One. I received my new card on about the XX/XX/2018 and I tried to activate it, I contacted Capital One and they told me to attempt to make a purchase, and if it wasnt working then to call their customer service line. On the XX/XX/XXXX I called their customer service line and I was informed by an automated system that a new card was currently being sent through the mail to my house. Confused, I messaged Capital One again and they told me to call their customer service line. Frustrated, I decided to just wait until my new card got to my house. On XX/XX/2018 I called their customer service line to ask why my card hasnt been delivered yet and told them about my situation. The man was confused why they said they were sending me a card, and was somehow able to activate my card. After that phone call I made a purchase of about {$60.00}. Sometime in the beginning of the month of XXXX, I tried to link my XXXX XXXX card to Capital One so I can make a payment, it wasnt working. I called them once again, and the man explained to me how to link it and what website to go to. I tried a great number of times over the next couple weeks hoping it was just the website crashing. I thought maybe it was the device I was using so I tried on my XXXX, laptop, and even a computer. Nothing was working so I called Capital One on about XX/XX/2018. They said they needed to send me a new card but they couldnt until I made a payment. I didnt have the time to get my bank account information right then and there, and I was frustrated because they wanted me to pay a late fee so I told the lady Id call again. I waited until I had more time to figure out the details, which was on XX/XX/2018 so I called and I paid everything off except the late fee. They told me they couldnt waive my fee because they already had the month earlier for the same exact reason, the supervisor understood and was empathetic but she explained that she didnt have the authorization to waive fee. I have never had a late payment on my credit report. This is the only problem Ive ever had with a missed payment, and it was because there was a whole lot of miscommunication and confusion.
XXXX   XXXX   XXXX  gave me an up front payment of {$100000.00} in   XXXX   XXXX   and took back {$290000.00} on   XXXX   XXXX   XXXX  . I feel that I was taken advantage of. I am a Veteran and was awarded this money by the Supreme court as a result of the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   v   XXXX   XXXX   XXXX    XXXX   XXXX  . Please help a Veteran in need.
My address history is incorrect. My home address is listed as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX. and XXXX XXXX XXXX is the same exact house. About 20 years ago when XXXX was set up in my county, XXXX County XXXX, the US Postal Service changed the house numbers, changing XXXX to XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX XXXX XXXX. My mother-in-law, XXXX XXXX ( deceased ), lived at XXXX XXXX XXXX, XXXX XXXX XXXX for about 20 years until sometime XX/XX/XXXX - XX/XX/XXXX.