WillisBack/dataset-financial-user-claim huggingface dataset:
I recently pulled my credit report on XXXX/XXXX/XXXX because my mortgage lenders told me there was a couple of negative items. Looks like the Barclays Bank and Fifth Third bank are reporting late payments on XXXX XXXX for XXXX and XXXX XXXX for fifth third bank. I submit a request for a goodwill adjustment to remove nagative payments from my reporting. However after making my submission, I received my results back from the dispute, and now the report is looking even more negative which in not correct. The report now is showing XXXX, XXXX, XXXX of XXXX and XXXX XXXX as late payments for fifth third bank. That information is not correct and affecting me greatly. Please review again. I am currently in the progress in buying a home. I ask again please correct my report as it showed on XXXX/XXXX/XXXX and if you may consider to removing the negative reporting of my XXXX XXXX XXXX payment and fifth third bank Payments please. At time of the late payment, I dealing with a number of things, my son got sick and my partner lost his job. I been a great consumer and always make payments, if you continue to review my report I am never late on any other creditors. The attachment I included shows my original reports. Please review.
This is a complaint regarding a notice I received from a law firm about a debt I incurred to a medical team. The problem is : this is not a debt I owe. The original bill was paid in full and I have the canceled checks proving the doctor 's office cashed them. 
Apparently, the invoice was submitted to a collection agency even though it had been paid, then re-sold to other companies, in what I assume was a list of junk debt. Most of these companies, even though they list their businesses as debt recovery services, do n't recover anything and simply repackage and resell the list to other debt recovery services that do the same. The last company to obtain the list, IC System XXXX Inc, lists their business address in XXXX, MN allegedly hired the firm of XXXX XXXX LLC in XXXX, MA to recover the already paid debt. 
I find it disgusting that I have to waste my time, energy, and money to fight a claim that should n't even be a claim. I am tired of all these companies washing their hands with rhetoric while stating that the claim looked legitimate at the time, or that they were conducting business based on the information given to them, blah, blah, blah. 
It should be illegal for companies to sell debt to XXXX another while making money on the backs of those individuals who ca n't afford to pay exorbitant medical bills. I will be contacting my state 's representatives on this matter to help circumvent this practice. 
This is nothing more than harassment, worse than telemarketers phone calls. At least I can hang up on them.
On XX/XX/XXXX, I sent the attached letter to Equifax and have not received a response which is a violation of the FCRA. The three listed medical accounts are inaccurately reporting as loans and are pass the FCRA reporting time limit. They placed a notation on the accounts on XX/XX/XXXX stating it was a " collection account '' and updated the notations to simply state " medical '' on XX/XX/XXXX. Their refusal to remove the 3 accounts is a direct violation of my rights under FCRA. These need to immediately be removed.
By mail, I received an offer to cash a check for {$2500.00}. The check looks legitimate but I have no interest in dealing with a bank I never heard of, Mariner Finance. They included a phone number to call to opt out of further offers but when I call they ask for my social security number that I did not provide. I received this offer through the mail with my correct name and address. That 's what they should have asked for so I am a bit suspicious .I also do not like that they sent a check that looks like anyone could have cashed it if it was stolen out of my mailbox.
I have actively attempted to activate my credit protection with XXXX since XXXX 2015 and have yet to receive neccassary paperwork. I have spoken with several agents and been promised over 4 call backs, to which I am still awawaiting. The calls have gotten to 6 per day and I tell every agent the same thing only to be told they will make a note and meanwhile my balance has gone from XXXX to over XXXX while I have consistently reached out to get this solved.
My husband died in 2011 and his military pay had stopped coming in. And I had very limited income coming in. I had XXXX twice since his death. And they keep hounding me to pay this and I just do n't have the money to pay. I do n't think I should pay the price with my credit being ruined because of my husband passing away. They are also reporting several other credit cars to my credit file to. And double reporting for XXXX who is also reporting.
late payments that were reporting as late which is incorrect. accounts reporting inaccurate balance and open dates. student loan payment that was paid still being reported as being late. payment status being reported as late when in fact its not late. 
XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was not late but still being reported as late XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. was not late but still being reported as being late. received letter stating account was deleted and removed from report but still it was showing on credit report. forward letter with proof showing it was suppose to be deleted and removed from account but got responce that it was verified without any documments to prove such verification.
I tried to apply for my credit report through Carma and indicatrd my social security number is wrong. Also tried to apply for XXXX XXXXXXXX credit card and the same thing happened. It is the correct number..please help. ..
During my time in XXXX XXXX, the company I worked for forced its employees to take out loans for housing. Unfortunately, the workplace was abusive and I quit to move back to the States. The loan company there sent the loan to a collection agency in the states. After speaking with the collection agency here, I told them I was n't working. They continued to call me. Recently, they called my daughter. I have no idea how they got her numbers, but I called the collection agency and told them to stop calling me and my daughter. When I spoke to the collection agency, they said they had no record of me or my daughter. Recently, my daughter told me they called my mother. 
I told them more than once I was forced to take out the loan and they need to speak the with company that forced me to do so because I 'm not responsible for the loan, the company that forced me is responsible. They continue to harass me. When they call now the number comes up on my caller ID as unknown. They call sometime two or three times a week or more. They have called my daughter twice and my mother once. When they called my daughter and mother the number on the caller ID came up as unknown too. 
If they do n't have a record of me, why are they continually calling and harassing me? 
Their employees tried to bully me : one employee suggested I take out loans to pay this loan, borrow money from family, and go back to an old job from about ten years ago while asking me what I planned to do about this loan. I reiterated the loan was the problem of the company who forced me to take out the loan and that 's who they need to speak with.
On XX/XX/XXXX, I mailed a Certified Mail Receipt letter : XXXX XXXX XXXX XXXX XXXX to Experian Credit Bureau to conduct an investigation about the opened fraudulent accounts on my personal credit report. I did not opened nor benefit from this fraudulent account. 

The fraudulent opened account is : XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$80000.00}.
I paid my mortgage company, but they are not acknowdging payment. My bank ( XXXX ) has verified that Penny Mac received payment on XX/XX/XXXX.
AMCOL system Acc # XXXX Amount {$480.00} It shows delinquent It should be paid by my health insurance Company stop billing me and report the account to the credit agincy Please remove this account from my credit report
FCO has repeatedly called me -- literally everyday even on the weekends about a debt that is not mine. They have also reported negatively on my credit report stating that I owe {$3300.00} for an apartment in XXXX XXXX, California. I do not now nor have I ever live in XXXX. In my entire life I have only lived in XXXX as an adolescent, XXXX XXXX while in college and XXXX as an adult. I do not owe this debt and this false reporting is deeply effecting my life. I have also requested information regarding what the debt is for in detail and this information has not been furnished to me.
I received an offer to sign up for a Citigold checking account. The terms of the offer were that after meeting some requirements like, make XXXX bill payments using the account, I would receive XXXX Citi Thankyou points after no later than 90 days. I have met all requirements and Citi refuses to send my points. It has been much more than 90 days now.
On XX/XX/XXXX I sent a certified letter to XXXX XXXX containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to XXXX  containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to XXXX. XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent a certified letter to Equifax containing a signed document and an Affidavit confirming the identity theft on said accounts. I paid {$9.00} to mail this packet to Equifax. Equifax # XXXX XXXX XXXX On XX/XX/XXXX I received confirmation that XXXX XXXX received the certified packet and on XX/XX/XXXX I received confirmation that XXXX  and Equifax received the certified packet that I sent. 

On XX/XX/XXXX I paid my credit monitoring website, XXXX a fee of {$29.00} to refresh my credit reports with all three credit bureaus. The fraudulent accounts with each respective credit bureau have not been removed and are causing my FICO Scores to report inaccurate.Additionally, this is causing a strain on my health with my XXXX and XXXX levels. 

On XX/XX/XXXX I am submitting a request to Consumer Finance Protection Bureau to  assist me in this urgent matter and clear this up as soon as possible.
XXXX, XXXX AND TRANSUNION HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights
I have mailed 4 certified letters over the past two years in regards to this matter. The most recent letter was mailed XX/XX/XXXX ; US bank has yet to respond nor fix the problem. I have been a model customer aside of my one mishap in XXXX. Since then I have paid every bill on time!
Citibank heavily advertised a promotion last year by which, if you opened a Citibank checking account and deposited {$15000.00} in new funds ( money not already in a Citibank account ), after XXXX days you would earn a {$400.00} bonus. The bank said the money would be deposited into your account within XXXX days after you satisfied the terms of the offer. So I opened a Citibank checking account, transferred {$15000.00} into it XX/XX/2016, and waited XXXX days plus XXXX days to receive my {$400.00} bonus, which was due XX/XX/2016. It never arrived, despite multiple calls to Citibank, where at least XXXX different representatives have confirmed I am owed this money. They have also informed me : 1 ) An " investigation has been launched '' within Citibank ( presumably to get to the bottom of why the bank is not paying its customers the promised {$400.00} -- thereby tying up our money MONTHS longer than we expected. ) 2 ) Each rep I spoke to " contacted the back office '' to see if they could expedite my {$400.00} payment ... but alas, they could not! But rest assured, Citibank is continuing to investigate itself to get to the bottom of this! What a relief. 
3. I " am not the only customer complaining. '' Yeah, I 'll bet I 'm not. Citibank heavily promoted this offer -- I could n't even log in without seeing this full page {$400.00} offer. And now they 're running an ad for a {$500.00} offer if you open a new savings account. Whoooooooo ... sign me up!
My name is XXXX XXXX Phone # XXXX I am filling a complaint against Experian regarding XXXX XXXX # XXXX. 
The date of last activity was XX/XX/2008. This was a foreclosure and is still showing well after the stature on my credit. It was removed from the other 2 bureau but still showing on Eperian. I am trying to get a mortgage and need to understand what's going on. Please explain why u are allowing a account older than 7 years remain on my account. 

Thank you!
There is an agreement between XXXX XXXX and provider of ambulance service. I double checked with XXXX and was advised that I do not owe any amount above what was agreed upon, therefore was advised not to make any additional payments to them.
Transunion continues to report inaccurate fraudulent information on my report. XXXX account # XXXX is not my account.
We made an error paying our Wells Fargo credit card and overpaid them by thousands of dollars. On XX/XX/XXXX, we contacted Wells and explained the issue before the payment processed. We were told our funds would be returned in a few days. About a week later, we called again. The date of refund was changed to 10-11 days. On XX/XX/XXXX, we were told it would be up to 30 days. We decided to close the account that has more than {$8600.00} credit balance in an effort to expedite our refund. A supervisor told my wife they would call us later that day with refund status and we could close the account at that time if we still desired. We still have not heard from Wells Fargo and no one can tell us when we will receive our refund.
Suntrust statement that the note was sold to XXXX in XXXX - Maybe correct that Suntrust received payment for this mortgage note but the whereabout of the note is UNKNOW. 
The statement that XXXX is an INVESTOR is false- Attached XXXX XXXX letter stating that they have a lien on the property because XXXX Bank is an investor and that the NOTE was assigned to XXXX in XXXX is false. 

XXXX Bank America 's is only the trustee - for documents for an individual investor. 
They are not the owner of the NOTE. 
XXXX assigned the note to XXXX XXXX in XXXX and conveyed the interest under the mortgage to a four years prior closed trust and already bankrupt since XXXX XXXX XXXX. 
Suntrust is NOT a note holder, XXXX is NOT a Note Holder and XXXX Bank is only the Trustee - which would not have documents for an already bankrupt investor. 

The Original Note is requested for viewing and the exact location is requested. 
SunTrust can not service a mortgage on behalf of a bankrupt investor. 
XXXX also NOT an investor or a NOTE holder can not have a lien on a property. 
And XXXX Bank Americas Trust ( which only holds documents in trust for the investor ) is NOT entitled to collect on behalf of a bankrupt investor. 
Who is the owner of this mortgage remains the question. Attached XXXX assignment to XXXX in XXXX ( not XXXX ) and to XXXX XXXX NOT XXXX XXXX as stated by XXXX. A bankrupt trust can not originate a loan. A mortgage and note can not be conveyed 4 years after the trust closed, especially not to bankrupt trust.
The {$10000.00} was a down payment and not an additional fee/mortgage. Please see the attached Repayment only if I sell or move within 5 years. So next year this should drop not be added. Also when they purchased the loan from XXXX XXXX  the mortgage didn't have the {$10000.00} attached XXXX XXXX  just added this last year.
Opened a credit card account with Barclays Gold Card account. I am in the XXXX and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX service. 

Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX prior to the opening of the account. This is false as Barclays knew my XXXX start date proceeded the account origination date as evidenced by the attached letters. 

The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year. 

I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.
I have been out of collage for over 20 years and owe more now on a loan I have been consistently paying then when I took the loan out. 
I am a XXXX who qualifies XXXX for Public Service loan forgiveness -- however -- due to the practices of a company I fortunately am no longer with I can not use this Shortly after I graduated my loan was sold to XXXX XXXX -- I had no say in this and it took many years and law changes for me to be able to transfer my loan. 
I have a fixed interest rate at 8 % and XXXX XXXX would change this at whim to as high as 40 % -- I often did not notice this till tax time -- when I would call them they would put it back but I was told nothing could be done about the accrued interest it was a computer error. 

XXXX XXXX told me they did not offer public service loan forgiveness -- or any other of the relief programs offered by the government because they were a private lender ( so I was unable to have an income based payment of any kind ) Recently about 2 years ago my loan was able to be move ed to Fed Loan Servicing -- I filled out all the documentation and for Public Service Loan forgiveness and I qualify for the time I have been with them ( my school qualifies and I am on a income based repayment plan ) -- however for the years I was not with them I did not qualify because I was not an an income based repayment plan ( through no fault of mine the company did not offer it and I did not choose the company I had no say in them getting my loan ) So even though I am no longer with XXXX XXXX they are still drastically effecting my ability to repay this loan -- not only did the principle double while I was with them -- but they did not offer federal programs that would of allowed me to be nearly finished paying this loan. 

During the time I was with XXXX XXXX I was in a better financial situation-and was able to pay my loan consistantly-Since XXXX 2011 my husband has become a XXXX XXXX veteran -- we have been living on XXXX salary ( mine ) I have had to place my loan in deferment in order for us to survive while we are working on getting him social security. Even though I support him XXXX financially I am not allowed to claim is as a dependent on my taxes which would help lower my income sensitive repayment -- -- -I do not know if you send information to the government on possible relief situations but for those XXXX XXXX persons or spouses of people with XXXX XXXX I believe there should be some sort of loan forgiveness program And as far as the public service loan forgiveness is concerned maybe some changes should be made -- -If a person meets the job qualifications they should qualify no matter what type of repayment schedule they were and are on -- -as I am sure XXXX XXXX is not the only company that does not offer income based repayments Thank you
I currently have a 2nd mortgage that is serviced by Select Portfolio Servicing. The original originating mortgage company was XXXX. When XXXX did the paperwork, they made a mistake on the deed. They included the correct address of XXXX XXXX XXXX XXXX XXXX, MI XXXX and the property description of this property. However, in the property description they also included the property description for another property I own located at XXXX XXXX XXXX XXXX XXXX, MI XXXX. This was the error and when they recorded it with XXXX County, they recorded it against both properties. In XX/XX/2018, I received an offer to sell the property at XXXX XXXX and accepted the offer. The title company doing the closing pulled the title work and discovered the issue. I contacted XXXX and they said they were unable to help because they didn't own the mortgage anymore. I contacted my current servicer SP Servicing and they instructed me to submit an explanation letter, a copy of the deed in question and also the title work from the property located at XXXX XXXX XXXX XXXX XXXX, MI XXXX. They told me that it takes approximately 20 days to do the investigation. I called a few times during the 20 days and was told there wasn't an update and to wait until the 20 days passes. On the 20th day, I called back and was told that there still wasn't an update. On the 21st day I called and was told that they were still waiting on the title work and that it takes 30 days to investigate. I asked them why they are waiting on title work since the title company already sent me the title work and I faxed it to them. They said they needed their own and they didn't pull the title work until XX/XX/XXXX and they still hadn't received it on the XXXX. It took me approx. 24 hours to receive title work from XXXX XXXX in XXXX. I also told them that up until the 20 days had passed, I was told it would take 20 days and now I am being told 30 days. Today I called and talked to a woman that said the person working on it wasn't in and to call back in 45 minutes. She told me that there was not an update in the system. I called back in about 45-60 minutes and talked to a man that said this could take 90-100+ days to be resolved and there was not a person working on it and there was not an update. At this point, I have already missed my first closing of XX/XX/XXXX and now my next closing is scheduled for Monday XX/XX/XXXX and I am still no closer to having this resolved. They have no rights to the proper on XXXX XXXX. If someone would have actually looked at the paperwork, it would be obvious to them that there is a mistake. I am going to end up having to pay off this mortgage just to not lose my buyer on the other property. They act as if they are losing some type of interest. They didn't even know the deed was connected to two properties. I would like help in this matter. I realize that your site states that you get results in as little as 15 days and I no longer have 15 days. If we can at least get them to do a partial release to allow me to close on my property and they can take another 90 days to draw up a new corrected deed. I appreciate anything that can be done to help in this matter.
I XXXX XXXX have tried to invalidate several negative collection accounts placed on my credit bureau from a company called ACS EDUCATION SERVICES. My attempts to obtain proof that this agency was even in the chain of ownership on several student loans has fallen on deaf ears. I hereby submit a qualified written request for all education loans either posted on various credit bureaus, or loans that ACS EDUCATION SERVICES states they had a right on servicing of said accounts. A qualified written request ( QWR ) will either validate or invalidate the right to my personal information, either from a collection stand point or an ownership. If a QWR can not be submitted, it means that ACS never had a position on any of my student loans and that my file ( s ) must be purged and all references to a collection process on my credit bureaus must be deleted immediately. The US Department of Education will be notified of this request as well.