WillisBack/dataset-financial-user-claim huggingface dataset:
I have attempted several times to rectify my issue with Experian and XXXX   regarding a collection account that is showing open from collection agency XXXX XXXX account # XXXX with a balanced owed of {$780.00} when in fact it has been paid. I tried contacting the collection agency but all I get is very rude and bad customer service to the point where it up with me hanging up on them. I submitted disputes with Experian and XXXX and after receiving their investigation report the problem was not resolved, I ended up calling both companies to speak with a representative and asked why the item was not updated correctly. I advised them that they are required to report accurate information and that if they did fix the problem that I would file a complaint. They stated that they are going off of what the collection agency is telling them and which is correct. I told them absolutely not and that they need to correct this immediately and it's just been very irritating going in circles. I am enclosing documentation to support my dispute.
In XXXX of XXXX, I responded to an online advertisement for an unsecured loan. I applied for the loan with the intent to pay off my outstanding car loan and other smaller bills. When applying for the loan, it was n't until after I was approved did I realize the unsecured loan was now a title loan. XXXX reduced the loan by the payoff amount and retained the title of the car. I launched a complaint against the company in XXXX XXXX during the time of an unknown business acquisition. My account with XXXX is now transferred to Lendmark Financials in XXXX XXXX. At this time I was told by the customer service agent at the XXXX, CA location she could no longer discuss my XXXX account. 

Ever since the transfer to Lendmark Financials in XXXX XXXX, my monthly statements DO NOT reflect how payments are applied or the active balance. Only in the month of XXXX XXXX did my statement reflect my balance of {$7300.00}. I have no way of knowing what the balance is unless I call every time to get this information. With every called I am told they are still working on transferring everything over and they apologize. I have made numerous calls asking how much would I have to pay to purchase my car back from them and gain the title and every response is different. I called them in XXXX XXXX stating I did not want the car anymore and they could come pick it up. I was told they are not in the business of repossessing cars. I am STUCK in an upside down title loan that still has a balance of {$7000.00} something dollars for the last 12 months. I have since bought another car.
I am working on my second attempt at a mortgage modification with Ditech Financial LLC. My first attempt at a modification was denied due to the time it took for Ditech to process my application. During my first modification I talked to to several different representatives, I was told different things by different reps. I submitted the same documents over and over again, the documents would get lost or overlooked. The entire process took over 10 months. I have now completed the paper work for my second modification, all that they requested was in on  XXXX   XXXX   2017 . To this day they have not moved it along to decide if they need any more documents or if is complete. I had a representative tell me just yesterday that once the have all the documents it should only ta ke 3-4 busin ess days to look over it, its been 40 days. I want to stay in my home and I do n't understand why they are not working with me. You think with the effort that I am putting in calling 3 times a week that they would do their job, but it has n't done me any good, what so ever! My circumstances have changed and I have money saved. I am ready to get this resolved and move on with my life!
This debt was paid 15 days after the original date of service, we have disputed with the original dental office and with the collection agency, no 14 months after they reported to my credit bureau as a collection with a " dispute " listed so they knew there was a issue before they even tried to report to credit not only was this paid but it was paid twice and some refunded due to there collection activity The original date of service was XXXX original payment received and cleared from XXXX on XXXX overpayment notice received on XXXX from XXXX XXXX XXXX paid bill a third time Final collection notice from XXXX on XXXX ( after payment received ) spriniger collections letter XXXX and XXXX fax confirmation proofing payment and over payment confirmed by springer collections XXXX springer collections reported to my credit as a disputed collection even thought they have confirmed verbally multiple times payment was received by XXXX and confirmed that they had received the fax proof to them, they gave reassurances that they would take care of the issue with the dentist office and it would not affect credit then went and reported it
I am being repeatedly attacked throughout the day under numerous phone numbers by United Recovery Systems. I am being harassed and want this to stop. They also call the home landline under XXXX.
With the recent issues of my checking account with Chase, with my funds not be accessible because the account being deposit only for several days. I was unable to pay several bills because of this. I am looking not only for the funds that I've lost due to being stolen from me via my online checking account. I'm also looking for Chase to repay me for late fees that have accrued due to my account being inaccessible which totals {$25.00} for my XXXX XXXX credit card and {$27.00} for my XXXX XXXX Credit Card.
Equifax. Continued to report numerous accounts and personal information I disputed due to it being fraudulent. and provided Identity theft report to back in XX/XX/XXXX. Validated and continued reporting fraud account and later on Bank confirmed it fraudulent. 
I have recently discovered that no score is being generated. Worse than that, Equifax have inserted in my file that I am deceased as of XX/XX/XXXX..!!!!
Due to a serious illness of XXXX of us beginning in XXXX, my spouse and I experienced financial difficulties that resulted in a charge off dated XXXX XXXX, XXXX, with our Mortgage Lender on a home equity line of credit ( second mortgage position ). Our first mortgage remained paid, but the home equity line lender, Wells Fargo Bank, obtained a judgment against us in XXXX, and has been receiving monthly payments ever since XXXX, currently in the amount of {$600.00} per month, being voluntarily paid by us. Since XXXX, we have been trying to refinance our home to pay off the judgments against us, by using the equity in our home, so that our credit scores will recover, and we can get fully back on track. But Wells Fargo continues to report the XXXX XXXX charge off as a current charge off, dated XXXX XXXX, in addition to reporting the XXXX judgment, which has caused our credit scores to continuously remain " deadbeat '' low, to the point that we can not qualify to refinance our mortgage to help clean up this credit mess. How can Wells Fargo continue to ding our credit score XXXX, by reporting both a judgment and a charge off against us, and show the charge off as only a year old, when in fact it occurred in XXXX? Please Help Us.
XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  Prog Fin Srv   XXXX   XXXX    XXXX   XXXX , AZ  XXXX   XXXX  : Acct #  XXXX  To Whom It  May  Concern : This letter is regarding account  XXXX , which you claim I owe {$390.00} This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( or ever had ) s ome contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX   )  from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.   I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Se ction 807-8 )  Violation of the Fair Credit Reporting Act ( including but not limited to Sect ion 623-b ) Pl ease Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/> My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , RI  XXXX  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. I am also including a copy of my complaint to the organizations below : Cc : Attorney Generals Office Cc : Better Business Bureau
Last Reported XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1800.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
I settled this debt in full on XXXX/XXXX/15 after a settlement agreement was reached. I was told the lien would be removed from my home and 42 days layer the lien is still in place and I continue to show a balance with this company. ARSI is the debt collector and XXXX was the original creditor. I will upload receipts and emails and the settlement offer indicating this debt is paid in full
A modification package was sent to Wells Fargo. They reviewed the file and employee XXXX ID XXXX confirmed the file is complete, but that they are not able to continue to review the file as they got it 7 days prior to the scheduled sale date. She claimed they needed the package " 8 days '' prior to the sale date. I asked for a supervisor to confirm that info and she placed me on hold and staed no one was available, that she can have one call me back in 48 hours. 
Our office contacted Wells Fargo Executive office and spoke with XXXX XXXX XXXX. We explained the issue sand he stated he will open an escalated case. 
The issues with Wells Fargo is that they are dual tracking. They received the file. They reviewed the file. They determined the file was completed. Then Wells Fargo stated they will not review due to a foreclosure sale date. Please review HAMP Handbook 4.0 Chapter V Protections against Unnecessary Foreclosure states the following:3.4.1 Suspension of Referral to Foreclosure A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section 3.4.2 ) unless and until the servicer has resolved the Escalated Case in accordance with Section 3.3. 
3.4.2 Suspension of Scheduled Foreclosure Sale When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. Servicers are not required to suspend a foreclosure sale when an Escalated Case is received after the Deadline. The servicer will not be in violation of this Section to the extent that a court with jurisdiction over the foreclosure proceeding ( if any ), or the bankruptcy court in a bankruptcy case, or the public official charged with carrying out the activity or event, fails or refuses to halt the sale after the servicer has made reasonable efforts to move the court or request the public official for a cessation of the sale. The servicer must document in the servicing system and/or mortgage file if the foregoing exception to the requirement to suspend an existing foreclosure sale is applicable. If an Escalated Case is pending at the time of a foreclosure sale, the servicer must still resolve the Escalated Case in accordance with Section XXXX and, when appropriate, the servicer will be required to take corrective action even if the foreclosure sale has taken place. 
On XXXX XXXX, 2016 " Servicer '' confirmed the above mentioned borrower and location was currently " Reviewed '' for any/all loan modifications in accordance with but not limited to HAMP Tier One, HAMP Tier Two, or any available " In House '' modifications. 
At this time we are demanding that the scheduled sale date set for XX/XX/2016 be postponed.
Transunion File # XXXX XX/XX/2018 TransUnion has on Auto Finance in the last 3 months 2 Showing I have not applied in the last 3 months or 6 months for no auto loan as showed on this credit report # XXXX date issued XX/XX/2018
In XX/XX/XXXX, Santander Consumer USA, whom I have my XX/XX/XXXX XXXX XXXX financed with, reported my account delinquent. Despite ensuring that I have made every payment on time each month with the company, Santander flagged my account as delinquent! When reaching out to them to rectify the issue, I struggled to successfully contact a human being and when I finally was able to talk to a person they told me that they would reverse the delinquency flag and it wouldnt affect my credit. Then a few months later while checking my FICO credit score, I noticed that it was showing I had one missed payment in the last year. The same mistake that Santander promised to fix!
This complaint is against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt they claim from nearly 2 years ago. They only sent me a bill at the end of XX/XX/2018 and demanded payment. 

I have asked repeatedly, on the phone and 4 times in writing for the company to provide evidence and verify the bill is actually due. They have refused to provide any of this documentation. 

In addition, XXXX XXXX XXXX, violated the FDCPA multiple times by continuing to send me threatening letters and now sending me to a collection agency, simply to punish and abuse a XXXX patient into paying a bill they refuse to verify it is due. I have sent them 4 times in writing that I contest the bill and requested they send documentation. They continue to refuse and say a bill with no description is all they have to do. 

My XXXX at XXXX XXXX has stopped using XXXX for his patients as a result of their collection tactics and how they are treating XXXX patients. 

I want these illegal collection practices to stop immediately. XXXX XXXX XXXX needs to verify ( per FDPCA law ) that this bill is due. They have not but continue to threaten me.
This account has been paid in full since XXXX 2015. The company has yet to update the status and balance. It also lists late payments when in fact I was on time since XXXX 2015. I would like this account deleted if not then corrected
I reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life.
Thank you
I was a student and was not given the opportunity to a fair payment plan. At the time I was forced to have my parents wages garnished even though they were a co-signer and never once gave me a payment plan. I was currently in school full time. I was told the only option I had was to have my parents wages garnished even thought it was my loan and I was working and wanted my wages garnished because the payment I could afford. I never even received any communication that they were my true lender. I was not provided any documentation that this company truly owned my loan. To this day I go on their website and its nothing but a portal to make a payment. My parent was forced into signing wage garnish documents and all contact was harassment via telephone. The documents wer the XXXX XXXX XXXX XXXX XXXX XXXX a Delaware statutory trust.
XXXX  is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to XXXX, they claim they can not ADD this account unless Union Bank reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.
please find attached the letter from the creditor XXXX XXXX, for which they have approved to remove the late negative from my credit report. 
i have already provided this letter to equifax and XXXX. 
equifax does not cooperate and has not removed the late yet, please help me to remove this inaccurate information.
After receiving a copy of my credit file I seen this account listed which is unknown and not mine. I have disputed with no validation being received. Please help as this should not be listed
I am making a formal complaint against Transunion. Since XXXX XXXX I have submitted written disputes for the following account XXXX XXXX XXXX Account # XXXX. In XXXX XXXX I mailed a dispute and called and spoke to a Customer Representative and asked him the gentleman what the status or the outcome of my dispute. He told me that Transunion never received my dispute or my documentation. I told him that I had received the green return receipt card with a stamped signature dated XXXX XXXX. The guy lied to my face because I told him I was looking at the card with the date and signature. I became furious because I had been lied to. I asked to speak to a native XXXX speaker because I felt there was a language barrier and a cultural barrier. I was then transferred to XXXX XXXX. She told me the same thing, that Transunion did not have any record of receiving my dispute. I told her that I had return receipt green card. She said that she would be able to take my dispute again and I told her that I would fax the information over. 

Now fast forward to XXXX XXXX. On XXXX XXXX, XXXX I mailed a new dispute to question the validity of XXXX XXXX XXXX Account XXXX and XXXX XXXX XXXX XXXX Account XXXX. On XXXX XXXX, XXXX I received a letter from Transunion asking me to confirm my address by sending in proof of address in the form of utility bill or pay stub etc. 

I find Transunion request to be incredulous because I have mailed in proof of address and identity months before and I strongly feel that Transunion is using stalling tactics and denying my rights under FCRA by " loosing or misplacing my requests or documents '' I have been lied to on more than one occasion. 

With the latest hacking breach that was suffered by XXXX I question the security and strength of all the credit bureaus to include Transunion. I do not have faith or confidence in companies like Transunion when they routinely lie, circumvent XXXX laws. 

Here is my information : XXXX XXXX XXXX XXXX Transunion File Number XXXX
I would like to register a compliant about a company by the name of Navient. Navient is the servicer of my son 's student loan on which I had cosigned. He attended the California XXXX XXXX in XXXX XXXX. 
XX/XX/XXXX, I was getting numerous phone calls from Navient because my son was in arrears with payments. I learned that he had not made a payment since XXXX XXXX and when I finally got in touch with him, he informed me that he was no longer going to make any payments on this loan. To get a handle on the situation, I contacted Navient to get information on what I was responsible for going forward. I asked for a copy of the original paperwork along with payment history. I received a letter dated XXXX/XXXX/XXXX with XXXX papers enclosed. XXXX was a promissory note dated XXXX/XXXX/XXXX with my signature as " Parent Borrower ''. The other was a paper titled " Notice of Loan Guarantee and Disclosure Statement for Federal Plus Loan Disclosed as of XXXX/XXXX/XXXX ''. This disclosure notice gave a variety of information on the loan along with the amount of {$24000.00}. My signature was not on this disclosure form. I contacted Navient again in XXXX to get the payment history that I had wanted and they set me a cover letter with the original loan amount of {$50000.00} and a principal of {$77000.00}. The current loan amount is listed as {$79.00}, XXXX after accrued interest of {$1400.00}. 
I do not have any document with my signature on it with any correlating loan amounts. I do not have any information as to how these amounts were derived. The records they have provided do not demonstrate that I agreed to any specific loan amounts. It appears that I have fallen victim to Navient for their unfair, deceptive, or abusive acts and practices ( UDAAP ). This violates federal regulation and should be investigated. 
This presents a substantial burden on me at this time as I am retired and living on a fixed income. Can you please look into this to see if you can provide me with any type of relief?
The collection on my credit report is for XXXX dollars for a place that i had moved out of and taken my name off the lease. I also had a deposit for {$450.00} that I never received back. It was a lease that was split with another person ( XXXX XXXX and XXXX XXXX ). After the 6 month lease was up I had my name taken off the lease and my deposit was taken from me. The XXXX other roomates continued to live in the residence and they would be responsible for any money owed.
On XX/XX/2018 XXXX credit card has reported a miss payment to my Experian credit report and also on XX/XX/2018 reported to XXXX and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.
As you may be aware of, the issue with Rushcard is a big concern. As like many other Rushcard customers, I was not able to access my funds. I also experienced issues with my direct deposit. I think it is ridculous for this company to only offer a fee free trial period for all the damage they have caused, on the other hand, I am not surprised by their actions, it only goes to show that the rich do not, never have and never will care about low income civilizians.
XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1200.00} Original creditor : 11 XXXX Remarks Placed for collection Original Creditor Name 11 XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX