WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, the current debt from Nissan Motor Acceptance was {$12000.00}. On this date my attorney settled the debt for {$3800.00}. I have my legal documents from my attorney who worked with XXXX XXXX XXXX ( Debt Collection Company Nissan Motor Acceptance used ) to settle this debt with Nissan, which on the documents it states to pay $ XXXX  on XX/XX/XXXX, and at the end of each month I pay {$160.00}. I 've made every payment on time through my bank for proof it was paid on the agreed dates. At this time my current debt with Nissan Motor Acceptance should only be {$1500.00}. This is taking into account my payments for XX/XX/XXXXand XX/XX/XXXX I paid each month early to XXXX XXXX XXXX like the agreement states.

I disputed the balance of {$10000.00} on my credit report in XX/XX/XXXX with XXXX I sent in my document from my attorney and XXXX XXXX XXXX  to show XXXX proof that the debt was settled for {$3800.00}. Today, XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX stating that my credit report has been updated regarding the dispute, however ; it still reflects the incorrect balance of {$10.00}, XXXX. I called XXXX today XX/XX/XXXXand I was advised that Nissan Motor Acceptance refused to update the balance. I asked if Nissan Motor Acceptance sent in any documents to dispute my claim and I was advised that they had not. The original balance of {$12000.00} has been clearly subtracted from the $ XXXX I paid inXX/XX/XXXX and the {$160.00} I paid in XX/XX/XXXX which is my agreed upon amount per my documents from my attorney and XXXX XXXX XXXX through Nissan Motor Acceptance. It does not reflect my payment of this month of {$160.00} which is understandable, because I just made that payment onXX/XX/XXXX.

It is my right as a consumer to have the correct information reported on my credit report. I 've tried to resolve this through XXXX  but their process and their customer service agents were always rude and never helpful. They only repeated themselves and had no solution or resolve. XXXX also keeps stating my current address in not reflecting on their credit report, however ; the credit report they sent todayXX/XX/XXXX that was dated XX/XX/XXXXreflects my current address. So it 's been like dealing with children that only read a computer screen and do NOT have any understanding of anything. Thus, I have not even attempted to dispute with the other credit reporting bureaus. I 'm working 10 hour days, 6 days a week and as a consumer I should not have to fight XXXX for information regarding my dispute or why my report has n't been updated. XXXX XXXX document dated XX/XX/XXXX clearly states my dispute information has been updated and it has not. That is misleading to the consumer and XXXX will not be helpful in giving an explanation as to why their document says one thing, but the REAL resolution on my credit report says XXXX is a lier.
Equifax illegally displaying innacurate information on credit report. A medical collection account is apearing on my report from XXXX. I have no collections. This account may be from a workers compensation claim which I am no liable for and all claims were satisfied by employer. Account is illegal
Acct #  XXXX  Due {$26.00}, #   XXXX   Due {$570.00} This is regarding account #  XXXX  for {$26.00}, #   XXXX   for {$570.00}, which you claim I am delinquent {$26.00}, and {$570.00} which is ABSOLUTELY INCORRECT. These accounts are not mine. This is a formal notice that your claim is disputed.
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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 have ( or ever had ) some contractual obligation to pay you.
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 do n't 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.
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Be aware that I am making a final goodwill attempt to have you clear up this matter
hello this school a stealing from me and other student they are making students return their stipends back to the school and adding extra charges on out accoint if we dont and also not releasing our transcript if we dont return our refunds to them
I am contacting your company due to an issues I have been unable to resolve with Discover Credit Card Customer service. I had a secured credit card in the amount of {$700.00} and I paid off and closed the account in XXXX of 2016. Since then there has been no activity on the account. I am expecting my full refund in the amount of {$700.00} and when I spoke to a representative at discover they advised me I would be getting my refund in the beginning of XXXX 2016. then I called again and now they are advising XXXX 2016. This is very frustrating because those monies are due back to me and it is causing a great financial hardship for me because discover is holding monies that are due to me. I feel it is unfair because I paid the card off in XXXX 2016. I am requesting assistance from your company that I receive my refund immediately.
I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable XXXX XXXX compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite XXXX XXXX compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
On XX/XX/18 I piad a {$1500.00} debt over the phone to the law offices of Patenaude & Felix. 
My bank statement shows the same name and amount for the charge to my account On Wednesday XX/XX/18 someone attempted to sever a summons at my parents address in XXXX CA. My Father told him I do not live there and that I live in XXXX CA. The same person returned on Friday XX/XX/18. My father told him again I live in XXXX. The process serve left the papers on the porch and left. My father called to tell me about this. I went to get the papers and it is a Summons and that I am being sued by XXXX XXXX. The legal firm is the same Patenaude & Felix that I made my payment to on XX/XX/18. I have sent them 2 emails to the address on the paperwork. both were returned as bad email address. I sent them a email from the " contact us '' on their web site and have not had a reply. I have not called them because I want everything I writing from them.
nationwide biweekly with drew XXXX from my checking account to make mortgage payments on my house in XXXX ohio. They did not make a single payment and will not ansewer their phone.I contacted the bbb last month, they donot seem to care at all, they even post on their web site that all complaints have been settled. I contacted nationwide in XXXX 2015 and they did return XXXX to my account, but they still have XXXX of my money.
I do not understand where this inquiry came from in my report. I do not know what company is microbilt corparation
When beginning my college career at XXXX XXXX University, I had a federal loan. My second year I had missed a deadline and had to get a private loan. I came across ACS and they were willing to help me. I ended up using them throughout my years at XXXX from XXXX to XXXX and it was great. They recommended deferments etc. when I finished as I was not making a lot of money. Once I was no longer able to do push back any further, the nightmare began. I told them I could not pay what they wanted at the time and wanted to give them as much as I could. I even sent them my pay stub! Anything I could do to show them that I was just hurting and want to pay. Customer service as ACS is ridiculous. No one is willing to talk to you. help you, and they follow up on nothing. I continued contacting them on the same issues over and over and paid everything I could. It got to a point where I wanted to get a lawyer to help me. After hearing no response from ACS at all and just paying what I could on their ridiculous payments, fees, interest rates ... I receive a court letter claiming ACS is suing me. I had the opportunity to rebuttal and sent everything I could to the courts. All the emails between ACS and I, payments ... everything. I wish I could have the phone calls that they " record '' while attempting to speak with customer service. Well, my rebuttal to the situation was obviously denied by the judge because ACS is big business and no kid can stop them. I go to a lawyer to see my options. He says I can not file bankruptcy on private loans and I should just pay them! Not to mention this whole time while making payments and fighting with them I am being assessed a ton of fees on XXXX separate loans from them. So, finally we reach a point where we settle on a payment starting XXXX XXXX at {$210.00}. That 's great except it is all going to late fees and interest. Then XXXX XXXX they raise it to {$310.00} and that is all going to interest now. I ask them why it went up and all they can say is that that 's just how it is. I have {$170.00} TOTAL paid to my principal. Now today as we speak I have not missed a payment since we agreed to this settled payment amount ( well that lasted 1 year and was raised ) and now I go to schedule my payment and it is all zeroes and says " in collection ''. I am sorry if this story sounds long, jumbled, and crazy but I have been fighting with this company for so long that it really is crazy. I just feel like there is nothing I can do but sit back and get robbed with no help from anyone. These guys need to be shut down. I will tell anyone going to school do not mess with ACS. I saw consumer finance and this just seemed like a place who would listen and maybe give me a louder voice. Thanks for the great work.
I was a victim of identity theft, I processed all the steps I needed to get these accounts removed of my report. It seem like Equifax consumer affair dept is handling my report at this time. I ca n't access my report online or received it via mail. I spoke to two specialists in consumer affairs ( XXXX and XXXX XXXX ) they told me it do n't matter if I gave them a police report, the creditor have to remove the accounts off my report. They were very ghetto and rude. I have been getting lied to repeatedly about my file. I faxed over the documents they asked for 3 times already and nothing is getting done at the moment.
A few years ago my private student loans came due with Navient/XXXX. At that time XXXX with the company had a total payment amount of XXXX a month and XXXX I was barely making the XXXX to afford my rent and utilities while having to utilize food stamps to actually eat. When I called to ask about the possibility of getting on an income based payment plan and consolidating the loans to a suitable payment system and I was told that I should apply for government assistance on housing so my rent money could cover the loans. When I told them that I could not do that I was told that I was out of luck because my particular loans do not allow for Income Based Repayment. They have since increased the balance on my loans to close to twice of what they were and sent them to a subsidiary collection company that they own. And even after filling bankruptcy I still can not a health payment plan that does n't take every penny I earn thus making me homeless because I ca n't pay rent.
After reviewing my credit report I found several inaccurate XXXX XXXX accounts. I have sent several request to Transunion requesting validation of debt including history and origination thinking these accounts were mix-ups or something that a complete history could resolve and after several letters sent via certified mail and close to 90 days I have received no information. Just the exact same computer print out without any additional documentation.
No entity may include in a consumer 's report any adverse information deficient of physically verified validity of truth accuracy completeness and compliance..CFPB Delete the accounts XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX HOSPITAL ) XXXX
power to sale is void 736.11a, new lawsuit filed 10 day automatic stay sale during this time filed on XX/XX/XXXX sold XX/XX/XXXX XXXX XXXX XXXX notice giving to him before sale and giving to company and attorney for pennymac also 4 year run after cout case XXXX
I had an account with XXXX XXXX XXXX for 6 months with my direct deposit from work going in every week for XXXX one day i deposit a check of my daughter supposed payroll for XXXX they gave me XXXX in advance available 3 days later they close my account because it was a fraudulent check they charge me the XXXX  out of my direct deposit that came that week and gave a check 3 weeks later for XXXX i don't care about the account being close with them they terrible what i care is they report me as fraud to XXXX XXXX and early warning and because of this i can't open another account this is not fair i paid them what it was own and that check wasn't mine it was from my daughter online employer i was doing her a favor where is the fraud there? Now all the banks think i do fraud
My name is XXXX XXXX. I would like to file a complaint against XXXX XXXX card for fraud. I am XXXX military veteran who fell on hard times during the recession. I had filed for chapter XXXX bankruptcy in XX/XX/XXXX and the last payment I had made to any creditor was in XX/XX/XXXX. I was XXXX from the military at the height of the recession and in XX/XX/XXXX my bankruptcy was discharged. All of my creditors have dropped off of my credit report with the exception of XXXX, XXXX XXXX card. They are fraudulently claiming that I made a payment in XX/XX/XXXX in order to keep this on my credit report causing me irreparable harm to my credit and ability to take care of my family. I have been trying to re establish my credit so I can by a house for my children to grow up in but due to this fraudulent creditor it shows that I have over XXXX late payments causing major drops in my credit report. I have tried contacting Equifax with no avail and I know that neither they nor XXXX can prove I made a payment on that account. It does n't make much sense that I would make a lone payment on XXXX of over a XXXX accounts does it? Here I am nearly 10 years after the fact of my last payment and it 's still on my credit report. Please help me resolve this issues and prosecute this company for fraudulent practices. Thank you. 


XXXX XXXX XXXX XXXX 
XXXX, GA XXXX
this is in reference to the non-response by experian to complaint # XXXX CFPB complaint XXXX. 

experian has refused to remove fraudulent reporting. in the latest complaint ( XXXX ) responded with a diatribe of irrelevant noise that they copied-pasted from their own website THAT DOES NOT ADDRESS THE PROBLEM - FRAUDULENT USE OF CREDIT CARD BY SOMEONE ELSE ... that i have now provided proof to exprian 11 times.
I am requesting an investigation on why Experian Credit Agency is reporting false information on the number of accounts late status and incorrect fico score. I only have XXXX open accounts, XXXX and XXXX. 
XXXX account is not being handle fairly and not according to my financial agreement I signed. Opensky Secured Card I am current with my payments. 
I am requesting resolution on having XXXX to change my score and account information fairly by applying United States of America financial laws to my financial reports.
I was unable to freeze my accounts with the link offered by Equifax. There was no way to get it to work, I tried on multiple dates. Help, as time goes by, I am afraid that my accounts will be drained and my social security number used.
STELLAR RECOVERY IS REPORTING INACCURATE INFORMATION ON MY XXXX CREDIT FILE THIS IS NOT MINE
I have a 7 year fraud victim alert on my Equifax credit report any time I try to order a copy and the automated system wo n't send me a file disclosure it 's been a year and I have the rights to free copies to detect further fraud
Hi, There is incorrect family relationship information being reported both privately XXXX including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.
I have account being reported from Toyota Motor Credit ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years.

the date of 1st delinquency was XX/XX/2010 according to XXXX  & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Dear Credit Reporting Agencies : XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under ANY status, as it was never mine. 
I was assured by this debt collector that it would be remove ; however, they are now saying that they will no longer update the credit reporting agencies or contact me any further. This is NOT what needs to be done. This was never my debt and they know that. I was given another alert from my credit monitoring service that it is still on there. It should be completely removed ... not listed as 'closed ' or 'no longer active. ' Please remove XXXX from my credit report, as if it never existed - it was never mind. 
I am attaching a closure letter from this debt collector in hopes that you will completely remove it. I would be very grateful if you could take care of this once and for all. I have a very long history of corresponding with this company, as it seems they keep trying to change the status, after already admitting that it was never mine and completely removing it. 
Please help me put this to rest. This is not my bill and never was. Please completely remove it. 
Thank you, XXXX
This debt was originally by XXXX XXXX XXXX but sold to XXXX XXXX XXXX it has an amount balance of {$2100.00} which I do owe and under the fair debt law this is illegal so I would have the results of removal from my XXXX and XXXX credit report it would be greatly appreciated
This is just a continued general complaint about the company that services my loan, XXXX XXXX. Accomplishing anything with them is always a process. 

I am taking class through my employer and it put my loans in deferment. I called to ask to just continue to pay anyway. They could n't do that over the phone. They led me online where I should have been able to do it. Their new website is awful, and not user friendly. I could not find what I needed to check even after being given step by step instructions. Eventually, they did it for me over the phone, but why was n't that just offered upfront since we had gone through all the security clearances. I am afraid its an attempt to keep the balance higher to recoup the most interest money possible. Very shady. 

Today, I got an e-mail about getting my tax documents delivered electronically. This is ideas, so I went to sign the form online. It would not work, so I talked to customer service. I told them I did n't know my student ID as I have been out of school now for a few years, but I had filled in the SS #. Apparently the form would n't let me submit without. I was told they could not access it ( but how are you using it as a check then? ).  The they said I should be able to see it on my promissory note. One problem, remember that awful website? It would let me access. They say it 's because of an ad blocker but I disabled it AND tried a different web browser. THEN, I realize I am already in electronic delivery. They were in my account, but no one was like oh you already do that, so you 're good. 

Overall, I think this company is awful and not serving the best interests of student, and should be looked into. All I am trying to do is pay my loans on time, and they keep making it more difficult.
I requested validation of a public record on my account which XXXX XXXX and Experian all sent me a letter stating they received information from a 3rd party stating that the 3rd party verified it I contacted the 3rd party which is XXXX XXXX and they stated that under no circumstances that these credit bureau 's pulled anything from their site nor comform by an agent to verify your circumstances and it 's misleading and fraudulent to state as such! Then I requested it be removed again they sent me letter stating that the XXXX XXXX XXXX verified the same thing upon contacting the Bankruptcy court of TN to see if they had verifiy or validated any information concerning me I was told it is against the law to exposed or give any information comconcerning court documents about a person information which is illegal and unorthodox to be open for a lawsuit! So I 'm filing this complaint against the credit bureaus for misleading information that was given to me and that they removed all public records & accounts that has not been validated!