WillisBack/dataset-financial-user-claim huggingface dataset:
On my Equifax credit report, the current/previous addresses listed include XXXX XXXX XXXX, XXXX PA. However, I have never lived at this address. This individual is related to me, but he is not me *and* I 've never lived at this address. I would like to have the erroneous address removed from my report so that I do n't ever end up with incorrect information associated with my credit report. 

I request that XXXX XXXX XXXX XXXX PA be removed immediately from my credit report.
Called Discover card on XXXX and spoke to a XXXX, after a few minutes when discussing why we needed to reactivate the card off the hardship program, explaining my husband had XXXX, she replied oh im sorry it isn't a good time, then tried covering her tracks stating she was talking about the program. It was disgusting, How is having XXXX at any point a good time?
We have tried to obtain a modification from Wells Fargo and have been denied 5 times in the last few years. We paid our mortgage for 7 years before falling behind this last time. We worked with a Home Preservationist ( XXXX XXXX ) who indicated that we did n't have to keep making payments ; that at the end of the process all the past due would be put at the end of the loan. ( Please see documents at end of email to explain situation ) Please note the last statement we received indicate we were behind 13 payments of XXXX and the form dated XXXX/XXXX/XXXX states that the payment was {$980.00} and going to XXXX starting XXXX/XXXX/XXXX, which is not here yet. Also, after all we have gone through they are raising our payment and our interest rate! 
We want to keep our home and I have written to the CEO of Wells Fargo via email at least 3 times and he may have referred my inquiry to someone, but he did not answer me at all. I also spoke with a home preservationist recently ( XXXX XXXX ) who stated " some mortgages are not worth saving and maybe it is time to move on ) We have been fighting for almost 2 years and we do n't want to move on - if we did we would n't be fighting so hard.
Experian has been illegally re-aging both of my student loans. My student loan accounts with XXXX should have been deleted in XX/XX/XXXX. Experian told us that is the date both accounts would be deleted after investigating in XX/XX/XXXX on the deletion date.
I had a US Bank Visa gift card that was obviously tampered when I removed it from otherwise pristine packaging because the gummy gel used to hold it in the packaging was clearly all wrong. It was n't activated properly, but even after getting help activating the card, the magnetic stripe had been demagnetized so I could not use it. I called US Bank Visa Card services to replace it about 2 weeks ago free of charge, and it has not been replaced, despite having faxed everything they asked for.
My Paypal account was somehow switched to PayPal Credit account last year. I do n't recall requesting this credit and I never authorized PayPal to start billing my PayPal purchases to the PayPal Credit. I was not paying attention to how this was being billed, and never got any monthly statements for this new credit product. Last week, I was sent a bill for my PayPal Credit balance, and it was very high, but I just paid off the balance. 
I think you should advise PayPal to NOT unilaterally switch customer payment options to Credit. It should be very clear that customers are now paying with credit rather than directly debiting from their bank accounts. I believe this was a predatory lending practice and I am sure other consumers have been tricked into using PayPal Credit against their wishes. 
Thanks, XXXX XXXX
I have made prepayments on my mortgage to arrive at 78 % LTV before originally indicated on original amortization schedule. I assumed this meant automatic cancellation of PMI, but apparently not. ( Does " XXXX scheduled '' mean " originally scheduled? '' )
My husbands parents in a different state received a collection notice for {$110.00} for him from AFNI, Inc. The problem is, our account from our internet provider ( for which the collection notice is referring to ) is paid and in good standing. I called our internet provider and they said our account is fine. The collection notice had the wrong P.O. Box, the wrong phone number, and the wrong last four digits of the zip code-they were all different from the information on the real collection agencies website. This is a huge issue and an attempt to steal my husbands identity.
I received several credit alerts through credit monitoring that there was negative info being reported by XXXX. I called them and they said they were not reporting anything negative. After pulling the credit reports they show current status as " contact XXXX for status '' but with all payments through XX/XX/2017 paid as agreed. I also paid my XX/XX/2017 payment a week early. Creditors are considering this negative and I was declined by XXXX XXXX due to this as " too recent delinquency on existing auto loan ''. Why is this reporting that way? It also shows ( I believe ) there is a dispute by me? I 've never disputed this account. Please correct this and note the account is paid satisfactory.
The information on the entry for the  Chase  account is incorrect. This account had been reflecting on  XXXX  for the last 5 years a Payment Status of " Paid '', and " Payment Status Details '' of " paid, was charge off ''. It also was reflecting a {$0.00} Balance Due of {$0.00}  ( " - '' ) an  d Past Due of { $0.00} " - '' ). The "  Status Updated  '' date reflected a date of  XXXX . I also received a  XXXX  in  XXXX  for the same account and recently requested another copy of the same  XXXX .     In early  XXXX  of   XXXX   I tried to get my mortgage refinanced and my  XXXX  credit report was updated approximately 4 days later by Chase to reflect an older "  Status Updated ''  date of  XX/XX/XXXX  In addition the Chase entry reflected a Status of " Charge off '' with a " Payment Status '' of " PAST DUE ", a P '' ayment Status Details '' of " PAST DUE '' amount '' of {$16000.00} and a " Balance '' of {$16000.00}. My  Credit Score  also dropped over  XXXX  Points and prevented me from refinancing my mortgage.     I immediately sent a credit dispute letter to  XXXX  indicating my Credit Report information was incorrect and out dated ( i.e. the older "  Status Updated Date  '' changed from  XXXX  with the correct information to a  " Status Updated ' ' date of  XXXX  with INCORRECT information. However, this dispute to   XXXX    resulted in no change to my credit report. I then called Chase directly and was forwarded to multiple departments and managers none of which were willing to correct my report or acknowledge it was wrong. They directed me back to the  Credit Reporting  agency  (   XXXX  for resolution ) I sent another dispute to   XXXX   with copies of the '' before '' and " after '' credit reports ( with  one  copy of the recent incorrect report and multiple copies of the correct report from that had been reflecting correctly for the last 5 years ) and a copy of the  XXXX  issued back in  XXXX  but got the same result. No correction updates to my  XXXX  report for the Chase account. This information remains out of date and incorrect.     This incorrect and out date report has prevented me from refinancing my mortgage, increased my insurance rates and preventing me from getting preferred credit in other situations.     Please Help me either get this  Chase  entry either deleted or updated back to  XXXX  out balances and past due amount. This entry is now  one  month from bein g 6 years old a nd had been reflecting positively with a  Paid Status, wa s charge off and  XXXX  past due for 5 years.
In XXXX 2015, I spoke to Carrington mortgage to arrange to get current on my mortgage. The Carrington representative and I agreed I would make XXXX payments of approximately {$3000.00}. The Carrington representative took out the first installment of approximately {$3000.00} on the day we made the agreement by phone. About two weeks later I suffered XXXX and was unable to work. I was in the hospital and very limited physically. During this time, Carrington sent the agreement in writing to my XXXX XXXX XXXX which I was not able to check until much later when I was discharged from the hospital and able to walk and start leaving the house driven by family members to do errands. When I checked the mail, I got the letter from correspondence that incorrectly documented our agreement by stating I had agreed to make XXXX payments of more than {$5000.00}. This simply did not occur and was not the agreement made with my by the representative on the phone in I believe XXXX. If you note the payment I made it was approximately {$3000.00}, not {$5000.00}. I am upset that Carrington misrepresented the agreement and would like the company to review the phone records of the call to confirm that I did not agree to pay XXXX payments of {$5000.00} as I know I could not and did not make such payments, beyond the first {$3000.00}. Now that I am recovering from my XXXX XXXX I would like Carrington to explore my options for getting current on my mortgage and keeping my home.
I have just checked my credit score on XXXX ( as I do every month. ) I just saw tonight that there is a total of XXXX open debt collections from a " LAW OFFICES OF MITCHELL '' with no further information ... I have tried to call them and the phone number will only put me through to someone if I have an account number. I have looked them up online and all I can find is that they are n't a reall law office and they are n't to be trusted ... I should n't have anything on my credit and I have never heard of this law office. I am not sure who to contact or why it is on my credit. Thank you.
I signed up for paperless billing with Citi for my new Costco Citi Visa card. When my statement period ended ( 10 days ago ), I did not receive an email notification regarding my statement.
Portfolio Recovery is reporting a collection on my credit report all 3 credit bureaus. Portfolio Recovery is not a licensed agency there is a office in XXXX TN but does not show the name of a location manager which is required. Unlicensed activity in the State of Tennessee potentially subjects the debt collector to civil and criminal prosecution.
In 2007 I was being treated for XXXX XXXX While I was undergoing treatment I had many health care providers in and out of my home I was also going through a divorce at the time.My credit cards were stolen and in some cases accounts were opened in my name without my consent. When I became aware of what was going on I called the creditors and requested they close the accounts. I filed a police report and gave information to the creditors as to whom I suspected at the time.In regards to my credit cards. The creditors began calling and demanding payments. Then they reported the accounts to collection agency 's miss reporting dates.I filed disputes with the credit reporting agency 's in some cases I paid for my reports.The debts would be sold and re reported by other collection agency 's in some instances the reporting agency would remove and item only to have it replaced on my credit file or report it to another reporting agency. I locked my credit file down with all the credit reporting agency 's After fighting this for several years I have become unable to resolve this problem it has caused be great hardship as I am on XXXX XXXX and I am unable to rent a place of my own or have utility 's in my name. I did not receive any benefit from the fraud or transactions that were made on my accounts without my knowledge or consent. I have Federal loans that have been discharged yet are still being reported as in collection The loans are XXXX by the XXXX XXXX XXXX XXXX acct # XXXX and are not in collection.I have been harassed by collection agency 's every time they sell the debt.
XXXX appeared on my credit report. It shows a medical bill from XXXXXXXX XXXX I am not responsible for that medical bill. I had NYS XXXX as well as an HMO NYS XXXX. XXXX XXXX is a participant of NYS XXXX and their hmo. I gave the information to the hospital at the time of service ( i 'm presuming because I 've had it straight the last decade ). It is not my fault they failed to file their claim in a timely manner. I have repeatedly asked XXXX for an itemized statement showing what services were done - i 've sent letters over and over, with signature return, and they have failed to send me anything. Because they have failed to validate this debt, the law says they have to remove it. If this does n't happen I 'm getting a lawyer and notifing NYS medicaid of this injustice. XXXXXXXX XXXX really needs to fix their billing department. I 've been denied credit because of this. THIS IS THE ONLY THING on my credit report at this time. And it is not my debt.
On XX/XX/XXXX my Coinbase account was hacked and I believe {$7600.00} in US currency was sent from my account. This was in the form of litecoin and bitcoin. When I filed the police report the value at the time of the bitcoin and litecoin was approxiately {$9000.00}. I have attached a copy of the police report below. Coinbase has insurance but their insurance will not cover the loss due to the hackers getting through my password and 2-factor authentication. I have other insurance but have been unable to get much help from Coinbase. The additional insurance I have is through XXXX XXXX XXXX contracts with another company XXXX. XXXX is the one requesting the additional letter. I have spent numerous hours with coinbase over the past 4 months to try and get the appropriate documentation. During that time I have been able to get 2 emails that were not very official looking and did not contain the information that I was requesting. I have sent this information already to Coinbase but I will paste it here again. What I need is a letter stating what is pasted next. 

For Stolen Funds Loss reimbursement, the Subscriber must authorize the financial institution to provide certified documentation directly to us, signed by an authorized financial institution representative. This documentation must indicate that funds were fraudulently removed, the amount of the Loss, the type of the Loss suffered, and confirmation that funds are non- recoverable from the financial institution. 

Coinbase has made money from myself using this service and they also made money from the hackers sending out the money. I have tried to write to them to state that they should not have their accounts set up so that money can be sent to a remote location or at the very least put a three day hold on such a thing. This would stop something like this from happening. I feel the least they can do is write me a letter so that I can then try and deal with the insurance company. 

The contact information I have at XXXX is XXXX XXXX Property Claim Director XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA Direct : XXXX Mobile : XXXX Email : XXXX XXXX and XXXX XXXX Senior Claims Adjuster, Claims and Risk Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX USA Direct : XXXX Toll Free : XXXX Email : XXXX XXXX
I have disputed a XXXX XXXX Credit Card account on my Equifax, XXXX, and XXXX accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. Equifax, and XXXX has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to XXXX : a closed date of XXXX/XXXX/XXXX, high balance of {$XXXX}, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
Equifax is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.
Coast Professional took over my student loan. I received a letter that my wages would be garnished. I called and spoke with the manager ( so-called ) there by the name of XXXX XXXX. I explained to him that I was on a payment plan prior with another company from Dept of Ed and that my payment suddenly stopped from being deducted from my account after 2 years. He stated that he would look into it. Two weeks had gone past and I heard nothing. The next pay cycle my check was deducted {$XXXX} ( per pay period ). I called Coast XXXX and asked what could I do, XXXX XXXX was rude and said " What do you mean what can you do? Pay it! '' I told him that I would call Dept of Ed and get to the bottom of this. I called Dept of Ed and they had no idea that I was getting garnished. That was only after I was hung up on by 2 people while transferring my call. 
I called back and got a manger on the phone who explained everything to my wife and I. I then sent all the paperwork needed to Coast XXXX in XXXX. I had to keep calling to check that they did receive it. Only to find out that XXXX XXXX is the manager of wage garnishment and they were already in the process of garnishment. The phone calls kept going because we would send info only to be told " Oh you forgot something '' on ly to point out that they received it already. We were then told that my garnishment wages were granted to be stopped on XXXX/XXXX/XXXX by XXXX. I called Dept of Ed only to be told that they had none of my information and they do not know why I was told such. I called Coast XXXX back and spoke with XXXX this time because XXXX who prev told me that an item was missing again was busy. XXXX stated that Coast has not sent my information yet because they did not have all my paperwork. I am still waiting for this to be resolved. I asked for the loan amounts to be sent and I have yet to receive paperwork about my loans or paperwork stating that my wages were garnished! 
This company is HORRIBLE and Dept of Ed should be ashamed to let their student be handled in such a way. I now recommend to all kids not to take out a student loan just go to trade school and try to get a grant!
My name is XXXX ( XXXX ) XXXX and Bayview Loan Servicing is the mortgage loan servicer on my mortgage loan ( Loan # XXXX ). 

It 's been a couple of months that this company keep sending me letters about the home insurance certificate for my residence. I have asked my insurance company to send them ( email address is XXXX ) a copy of my home insurance certificate. A copy of that certificate has been sent to Bayview on multiple occasions ( On XX/XX/XXXX and again on XX/XX/XXXX ). 

However, I received another letter dated XX/XX/XXXX from this company claiming that they have illegally purchase insurance on my  behalf and they threaten to deduct the exuberance cost of this illegal policy from my escrow account. 

I would like to report this illegal and fraudulent activity by this incompetent mortgage servicing company so proper actions can be taken against them. 

It appears that this company is not managed properly and their harassing activities combined with their incompetence has caused agony and hardship for my family and I. 

Please process this complaint and provide the results as soon as possible. 


Thanks, XXXX ( XXXX ) XXXX
Navient systematically misdirected me into an income-driven repayment option without making it clear that I would not student qualify for Public Service Loan Forgiveness even though I am working in XXXX XXXX.
Nationstar Mortgage has failed repeatedly to cease contacting me via email, phone, and other methods, even though I have filled out their Do Not Contact Me At All form,   THREE TIMES!!!
Being Military,   I pa y 1/2  my Mortgage on the  XXXX , and the othe r 1/2  on the  XXXX . SEVERAL times, Nationstar Mortgage has FAILED to apply the first payment to the second payment, instead, leaving it in the suspense account,  XXXX   hys I have to contact them to do their job, or incur a late fee.
In between receiving the first 1/2 payment, and up until the second half is received, Nationstar w  ill repeatedly call and email me, requesting full payment, EVEN THOUGH I AM NOT LATE! I am late on the  XXXX ! I have yet to be late paying, yet they still contact me!     They also attempted to force insurance on me, which I quickly quashedwith proof that I had adequate insurance and that, if needed, I wiuld contact Legal.     I was part of the Wroght vs. Nationstar settlement ... seems they have n't learned a thing!     Attached are emails I have received from Nationstar in just a span of a WEEK! Keep in mind, I have repeatedly filled out their No Contact form!
I file a police report supporting my claim on fraudulent accounts that are reporting negatively on my credit report, that I did not apply for nor did I authorized someone to use my personal information to obtain credit. I lost my wallet with my personal info, and to my knowledge someone has been using that information to obtain credit and write bad checks.
I was XXXX XXXX on XX/XX/XXXX I do not know anyone who use my account and open credit cards in my name without my consent and I just been released I'm XX/XX/XXXX so ID could not make any open or any accounts in my name and these people are someone is trying to make false credit card statements in my name and I don't like that I'm trying to take
I bought an item that XXXX my XXXX, XXXX, and XXXX and Chase refuses to return the money in the amount of {$210.00}. I am scared to go back to XXXX XXXX because they may try to XXXX me. I need my money back from XXXX XXXX, they have sold me two things with dust on them that don't work.
I sent Experian information from several previous credit report indicating how XXXX XXXX, XXXX XXXX, XXXX, XXXX have errors on report. I sent statements from the website for XXXX, Prior reports for charge off that were modified and verified as correct by XXXX XXXX and XXXX XXXX, and copies of checks for XXXX and statements from XXXX website. Instead of correcting or deleting items that obviously are being misrepresented they sent me a report file stating " Unfortunately, we aree unable to add credit information into your personal credit report. We did not add data from private parties since we would be unable to verify or maintain the data. '' Yet they add data from furnishers that they do not verify as being correct.