WillisBack/dataset-financial-user-claim huggingface dataset:
Great Lake, the loan servicer, for Acct ID XXXX, has been charging and expecting interest payments for a Parent Plus Loan they I have that is for a daughter the is in her XXXX year of college. 
It was my understanding that with this loan, I would not be REQUIRED to make payments until my daughter was SIX MONTHS out of college. 
My credit report has been attached with Late Payment mis-information because of this. 
My husband had the same issue/problem with Fed Loan Servicing, but they finally backed off and issued a deferment. 
This issue needs to be clarified and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX ID # XXXX
This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. TRANSUNION has been reporting incorrect information on my credit report for XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to TRANSUNION regarding the XXXX account, which was received by the TRANSUNION on XX/XX/2018. On XX/XX/2018, TRANSUNION responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed TRANSUNION that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, TRANSUNION has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
I tried numerous time to resolve this XXXX XXXX XXXX XXXX XXXX - XXXX account. This is not my account I explained o them this several times. This bill is for services that was secured in Texas. I never resided in Texas nor have I ever requested services in Texas. I don't owe this bill.
I disputed this debt with XXXX and Equifax several times and the bureaus keep this debt on my credit report. I spoke with XXXX XXXX and they verified they have no debt within their system. I am requesting that you investigate XXXX and Equifax that they remove this debt from my credit report and they have not removed it.
Starting on XXXX XXXX, Circle Gold Checking Accounts at Citizens Bank no longer allowed 6 foreign ATM transaction fees per month. The only way that I found out about the change was that the fees showed up in the online banking system. I complained to them about the change without notice and they pointed me to the memo section of the XXXX 2016 statement which is only visible if you know to go looking for it. It was not on any other statement or sent as a message in the online banking system, so there was no way to assure that people were aware of this change which would impact them, I consider it a bait and switch. With the push for paperless statements, which you have to pay otherwise, a dedicated message should be sent to people through the online system in the months leading up to a change that will cost the account holder money.
XXXX   XXXX   XXXX  never provided me with documentation for the {$120.00} collection yet Equifax claims the debt is valid. This bill is for a  two  year old  XXXX  that had multiple errors in the billing process.  XXXX   XXXX   XXXX  has already been paid over {$1300.00}. Both   XXXX   and  XXXX  have investigated and removed this item.
Ive been trying to do everything I can to build my credit back up. On XX/XX/XXXX, my credit scores on Equifax and XXXX dropped drastically. Equifax dropped 74 points from XXXX down to XXXX and XXXX dropped 69 points from XXXX down to XXXX. The only things I noticed that changed was a very small increase on a credit card and 1 inquiry. Then on XX/XX/XXXX both scores dropped again 12 points and 13 points respectively. And my report that week showed that balances DROPPED. Ive examined both credit reports very carefully and Ive seen no mistakes to my personal information or on any accounts. I called both credit agencies and have been told by both that everything is based on a scoring model and theres nothing they can do. 
Then on XX/XX/XXXX, Equifax raised my score back up 83 points with no change on my report. Then on XX/XX/XXXX it dropped again 85 points and I had 2 account balances DECREASE. 
This is extremely frustrating and I cant help but to believe theres a serious problem with my account. Ive had inquiries drop my score in the past maybe 1 or 2 points, but 74-85 points is ridiculous. Ive gotten absolutely no help or even any assistance in trying to find a solution to this. If the score is correct then all I want is an explanation as to why my scores are so erratic for no reason. 
Please help me with this issue. Im at a total loss Thank you
Transunion has been reporting XXXX XXXX XXXX for 5 years, has been investigated more than 10 times and verified false, fraudulent, incorrect and incomplete information many times. 
THIS ACCOUNT FURNISHER has violated the spirit and the letter of the law in the 2009 Credit Card XXXX dollars was paid in XXXX checks to open the account ( violates statute by excessive XXXX. XXXX illegal internet access charge was made ( violates statute ) XXXX late fees are excessive ( violates statute ) .the information on the credit report is based on activities that include the illegal charges so the balance is inflated.there is no dofd on the report, the amt of last pymt is not listed, the scheduled payment is not listed ( used to determine excessive late fees ). 
I have attached all account history and legal reference in the form of the statute, the CFPB official guide, the Federal Reserve commentary on the ACT.all violations also violate FCRA and FDCPA on the part of Transunion and XXXX AND THE FURNISHER ARE NOW FINANCIALLY LIABLE REGARDLESS OF DELETION OR FUTURE ACTION ... ... FOR KNOWINGLY VIOLATING FCRA, FDCPA AND 2009 CREDIT CARD ACT, A JURY AWARD COULD BE SIGNIFICANT.
XXXX home phone services indicated that I obtained home phone service from XX/XX/XXXX through XX/XX/XXXX which is untrue. My building is and has always been wired to only XXXX services since the opening of XXXX. I have contacted the XXXX in regards to this matter of this debt collection that is not mine and I provided bills within that time period indicating I have had XXXX   since XX/XX/XXXX and I have also provided ample documentation from my landlord stating XXXX is the only wired service in this building and no other providers are allowed. The end result was that the case was closed on XXXX 's end due to the findings and documents provided on my behalf. Now I receive a different collection of debt letter from another agency, with another amount that is less than the original debt, with the same client account number. I am being harassed after going through this a time before and this is causing a disruption in my life especially when I didn't sign up for any XXXX XXXX  services. XXXX couldn't even verify an installation of services and there was no account or payment activity on the account.
My dispute is with a collection company under XXXX XXXX they have never notified me I only noticed when it was put on my credit report when I called them asking what this debt was she said it was from XXXX XXXX XXXX I informed her that I did not know what this bill was have never received any type of XXXX and that I had been with XXXX XXXX XXXX up until just this past XXXX of XXXX she then read me the address which was XXXX XXXX and I have not lived there and almost 4 years and change of address took care of that problem had they had sent me anything I know nothing about this debt when I asked for a email or a copy she said that I would have to get online and go to a file number which is XXXX but in order to access the information I would then have to give her my current information as my current mailing address my current phone number and I asked her why she would not already have this if this was a legitimate debt from XXXX XXXX XXXX so I have no idea what this {$260.00} is she 's talking about she wanted to give me a 25 % discount to pay off immediately I told her I was n't paying anything until I knew what I was paying she 's in sternly said I told you it 's an XXXX XXXX XXXX bill and I said well and I told you that I paid off my contract and for the last year I was month to month so I should n't no way have jeopardize a contract with XXXX XXXX XXXX or they would have told me before XXXX of this year when I cancelled so I honestly do n't understand why these people can do this and harass and be rude and I would like this cleared up and I do n't know this debt please help
Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Freedom Mortgage Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my Freedom Mortgage Home Loan account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with Freedom Mortgage, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit Freedom Mortgage but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with Freedom Mortgage before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with Freedom Mortgage. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX XXXX.
As the fiduciary of the estate of XXXX XXXX XXXX, I have the right to the information I am seeking and the information I have sought numerous times in the past. SPS continues to fail to cooperate with legitimate inquires to validate their alleged false claims.

1- Failure to adequately and sufficiently respond to Notice of Error or Information Request or Qualified Written Request dated XX/XX/2018 and XX/XX/2018. ( See attached requests ) 2- On XX/XX/2018 a property evaluation was ordered and completed by SPS in the amount of {$120.00}. I demand a copy of this report and all related documents.

3- Failure to adhere to Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX 's estate, I am requiring the claimant to present proof by affidavit. In addition, please identify the security in such claim.

4- As a reminder, as fiduciary and based on reason to question the validity of any claim, I reserve the right to present a petition to the court showing the facts and praying that the claimant or possible claimant be required to show cause why his claim, if any, should not be disallowed. 

To date, the estate of XXXX XXXX XXXX has yet to receive a valid claim from SPS or it's associates.
I discontinued service with XXXX in XX/XX/2017. The account was paid, equipment was sent back and the account was closed with a XXXX dollar balance and in good standing. XXXX sent I C Systems ( a collection agency ) an account in my name and claimed I owe them {$440.00}. This is false. I confirmed with XXXX directly that there was no balance owed. The reference number for this interaction is : XXXX. My credit score was severely affected by this. I lost over 50 points of my credit score due to this. I filed a dispute with XXXX and they sent me an email claiming that the debt is valid which tells me that there was not a proper investigation considering the fact that I confirmed there was no balance myself. As of the moment this is being written, the FALSE collections account has still not been removed from my credit report. My husband and I are applying to purchase a home in 3 weeks and due to the negligence of XXXX, and in my opinion, the negligence of XXXX in their investigation, my husband and I may have issues qualifying for a mortgage. I have worked tirelessly to build my credit score and for a false report to destroy it is just unbelievable. I have never missed a payment or even had a late payment. I have done my due diligence. How can a company send a made up balance to collections and ruin a persons credit score under false information and not be help responsible?
XXXX XXXX - XX/XX/2016 XXXX -XX/XX/2016 XXXX- XX/XX/2016 XXXX- XXXX/2016 XXXX XXXX- XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX-XX/XX/2016 XXXX XXXX-XX/XX/2016 XXXX XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX- XX/XX/2016 XXXX-XX/XX/2016 XXXX-XX/XX/2016 These are hard hard inquiries that was made on my transunion report. It was a fraud alert place on my file at that time. and no one called to verfiy my information with me stating these alerts. and now that i 'm trying to purchase my first home these are effecting me.
Wakefield & Associates is collecting a debt that is not valid on my report. I have disputed them through all XXXX credit reporting agencies, XXXX did not verify the debt as valid. XXXX said the company verified the debt. When the company was contacted, they were very abrasive and rude. XXXX is lazy in their verification process. XXXX reported that they did a XXXX part inquiry to verify. The company could not verify the information, yet somehow XXXX insists that they did.
30 YEAR FIXED RATE MORTAGE. every month instead of a billing statement I get a letter stating the loan is delinquent and that the mortgage remains unpaid. the problem is that we make the payment ontime every month as we have since the beginning of the loan. have proof bank statements, copies of checks, etc. the lender is claiming an escrow account defficency .. another lie. the lender has raised the monthly payment twice and we make the higher payment. I have payed the insurance and property taxes myself out of pocket. so where the XXXX is the money being payed into escrow? the lender also is requiring an escrow balance higher than RESPA laws allow. I AM GETTING SCAMMED
Recently my account at Paypal was shut down. While they do n't have a word on why I was shut down, they decided to keep my money locked in the account for 180 days. This is outright thievery. They do n't have the right to keep my money under their name.
I have been a Care Credit ( Synchrony Bank ) user for many years. It's specific use is with doctors, dentists, etc who participate in providing a zero interest payment plan for 3-6 months. 

I received a new plastic card in late XX/XX/2018. I thought it was a replacement card for my current card and I called in to activate it. A day or two later, I was getting alerts from the credit bureau 's regarding my score changing & inquiry. I checked with them and found out it was Synchrony Bank. I then called Care Credit/Synchrony and found out this is not a replacement card - its a new card that works as both a Mastercard and the Care Credit ( a dual card ) and my Care Credit card was closed. I do not want this Mastercard and they are not able to switch it back to my regular Care Credit card, even though that card is still available. My credit report now shows a closed card and a new Mastercard opened with a credit line. My score dropped a few points. 

I was told a letter was sent out previously that spoke about this card and that I had to OPT OUT of this new card if I didn't want it. I don't remember getting this letter, and if I did, probably thought it was a solicitation. It did not state Action Required. This is deceptive advertising. It should of been an Opt In to receive this new card, not an automatic exchange since my basic card was still valid. Not to mention, if I wanted a new charge card ( which I don '' t ) I would not of picked this one. 

Again, this is deceptive advertising. New updated cards, especially with identity theft so prevalent, should not be automatically sent to customers unless they specifically ask for them. Bottom line, Synchrony Bank sent upgraded cards to people who did not respond to their notice. This should never happen. It should be the other way around, opt in to a new card. If this never arrived in the mail, and was intercepted/stolen I would never have known it until too late. 

I'm attaching the letter that the plastic card was attached to. I omitted my personal info.
Paymap Inc, aka XXXX, and the CFPB reached an agreement XX/XX/XXXX ( AP File # XXXX ) and was to send a check to those involved with their company during the period XX/XX/XXXX and XX/XX/XXXX. I fell into that period & received a letter stating they had sent me a check that I never cashed. This supposed check was never sent. I called the # on the letter but got nowhere & was told to go to the website and email them. Did that but again another run around and jumping through hoops. Had to call # again to get a claim #, then back to the email routine ( this is not just a simple email here, you have many layers to go through just to send them an email ). Did all this XX/XX/XXXX as the notice said all claims for a new check to be sent must be requested by XX/XX/XXXX, 8 days after I received this letter. Did everything they asked me and have yet to see any check ( XX/XX/XXXX ). It appears the agreement was not honored by Paymap initially and they are doing everything they can to dissuade folks from trying to collect on monies they agreed to pay. The Redress Administrator in XXXX XXXX, IA has been sent a letter regarding all the problems I have encountered with this check re-issue. This matter needs to be moved up the line from just a consumer complaint to a full-blown court decision that will force they to comply with the agreement reached and make restitution to those affected. I would also like to see copies of all the checks that were supposedly sent out along with addresses to verify they were ever sent in the first place. 

A copy of the agreement reached between Paymap Inc and the CFPB would be appreciated so we know what the settlement was and how it was to be administered.
Requested payoff quote from Selene Finance on XX/XX/XXXX. XX/XX/XXXX, still have not received the payoff quote. Called again and representative was very rude. Finally said request would be expedited and should have within 24 hours. As of today, XX/XX/XXXX, still no payoff quote. Called again and representative was again rude and refused to give a timeframe for when payoff quote will be provided.
I have made this Company aware that I 've been a victim of identity theft and also provided a police report to them. This company refuses to persue the person responsible for this Medical bill. I am and have always been insured by XXXX. Additionally any bills I had would 've been sent to XXXX and paid by XXXX. It is also against the law to bill someone who 's insured by XXXX for out of pocket medical expenses. This creditor has damaged my credit by reporting incorrect information on my credit report monthly.
Eqofax is the worst company to deal with.thier dispute form is the most irrational forum.they ask too many questions and make you irritated so you give up.
Called on, XXXX/XXXX/15 @ XXXX, to my home telephone number and numerous other times. 

The voice message stated that they were calling as a courtesy to receive my statement in regards to a asset & liability search done on my phone number. To dispute the claim I needed to call their office back at XXXX. Failure to do so would document me a non-cooperative. 

I have also received messages tied back to this number claiming that the IRS is suing me and that I need to call immediately. 

I believe this is a violation of multiple sections of the FDCPA and I want this to stop. I 'd like to pursue any legal & financial compensation remedies allowed under the law.
My Toyota  XXXX  was repossessed from my driveway. I wa s three  payments away from having the lsix year loan paid in full.   now on my credit report it reads tha t I/O Toyota  {$700.00}.
Caliber home loans is reporting to the credit bureaus that they have had my mortgage since XX/XX/XXXX and that I was 120 days late on my mortgage in XX/XX/XXXX and prior to XX/XX/XXXX. They have only had my mortgage since XX/XX/XXXX. They bought my mortgage from XXXX XXXX. My mortgage was never late with Caliber Home Loans but in the comments section on the loan it says that I was 120 days late. I have never had a late payment with Caliber Home Loans. I have requested Caliber Home Loans to correct this matter with the credit bureaus. I have also reached out to the credit bureaus to have them correct the information but caliber home loans has been unwilling to correct the matter. I would like for Caliber Home Loans to only report my loan from when they acquired it which was XX/XX/XXXX. XXXX XXXX is reporting my mortgage from XX/XX/XXXX until they sold it in XX/XX/XXXX so there is no need for XXXX XXXX and Caliber Home Loans to report the same data and it is inaccurate for both creditors to report the same data.