WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/2018, I wrote to XXXX, XXXX , & TransUnion informing them that the accounts listed on my credit report is inaccurate and incorrected. I showed proof of all the inaccurate information reporting on my file. I started with account # XXXX in the amount of {$370.00} being reported on my file. XXXX  XXXX XXXX account # XXXX I informed them of NO CONTRACT. Account # XXXX IN THE AMOUNT OF {$860.00} NO CONTRACT, XXXX ACCOUNT # XXXX Inaccurate information. And on XX/XX/2018 TransUnion & XXXX Informed me that the items were verified. Which is through a the XXXX system. I got nothing in writing stating who TransUnion & XXXX spoke with from these companies am disputing this information from nor is they licensed in my state to collect on this alleged debt they say I owe them. XXXX never responded to my letter from XX/XX/2018. So on XX/XX/2018 I wrote to XXXX XXXX/Account # XXXX asking the to validate the {$370.00} they say owed them with evidence bearing my signature, showing that I have or ever had some contractual obligation to pay them They sent me a itemized bill in return. I have not received any evidence bearing my signature from this company. But they are still reporting this inaccurate information on my credit file. I wrote to XXXX/Account # XXXX on XX/XX/2018 asking to validate the account with evidence bearing my signature. I received a letter stating XXXX is collecting on a alleged debt from XXXX XXXX XXXX. They showed no proof of any evidence bearing my signature with neither party. I would for this misleading inaccurate information be deleted off my credit file as soon as possible.
Creditor are submitted bogus information on credit file. XXXX bank submitted I had opened a credit card with them in XXXX XXXX, account number *******************. This information fraudulent attempt to collect funds. There is not any validated sources via signature confirming that I have utilized the credit card in reference. It is true that I had an account in XXXX and this account has not been active since XXXX XXXX with XXXX with an outstanding balance of {$470.00}, however, this information is under a different account number and is over 7 years old. Every time I dispute this information, the activity date changes and it is never removed from XXXX or Equifax data base. Also, there is another credit card that been inactive since XXXX XXXX XXXX XXXX XXXX, which continue to change to activity date. This is another means of keeping the derogatory information on my credit. I spoke to creditors and credit agents regarding this error on several attempts they temporarily remove the information and within 6 months put the information back on my credit. I know that the credit pay these credit agent for reporting purposes, but I thought the information had to be accurate and they must prove that the information provided is not false. But based on what I was told today, the agent do n't validate any information of factual data ( via electronic or hard copy ). They only verify based on what the credit states. If that is the case, then anybody or company has the ability to blemish ones character by just stating whatever they want and it will be publish publicly. My son is XXXX years and I has derogatory information on his account that I have been trying to dispute. All because he has a common name can blemish. This reporting methods must change. As a consumer you expect that agency are held accountable for the actions especially when they are reporting personal information on others. They are expected to comply to ethical and legal guidelines and if unable to do so, then the government should intervene and correct this matter. I hope that you will be able to investigate this matter and if not help me, but at least stop this from happening to others.
About three years ago my wife became XXXX and applied for Social Security XXXX. She has an attorney and a solid claim, but is still waiting for a hearing. 

Additionally, we began receiving death threats from a XXXX XXXX person and had to relocate from XXXX  to XXXX XXXX at our own expense. 

These two factors coupled with our son 's need for XXXX not covered by insurance have caused us to deplete our savings. 

Because my wife can not work, our income is decreased and has been for more than three years. I work a full time job but we still have a financial hardship. 

I have contacted the credit card company repeatedly to ask to participate in their hardship program but there has only been a " we will get back to '' for a response. 

I truly need help so as to not default while we are waiting for my wife 's XXXX to be approved.
To whom may concerned : I have this XXXX XXXX XXXX credit card bill issues. 

I got the bill for {$17.00}, that is due XX/XX/XXXX. But since in late XXXX I was travel in XXXX till today, but my husband is in USA, and he paid the bill on line in XX/XX/XXXX. At the time he was making the payment, the balance shown was {$17.00}, even we were two days late. After paid for the bill, we did not use that credit card anymore. 

We paid the bill and thought we do not own the credit card. But in XX/XX/XXXX, after we had paid our full bill amount. The credit card company still charge us late fee and create a new bill for {$19.00}. Then in XX/XX/XXXX a bill for {$24.00}, in XX/XX/XXXX a bill for {$66.00}. Since we had signed up for on line  statements, and the email notification is going to my email account, but I was travel in XXXX all these time, not easy to access the email, and worst yet, I do not expecting another bill. Until my husband received the letter bill of {$66.00} in XX/XX/XXXX. 

In XXXX, I had contacted the credit card company, by phone XXXX, and told them our situation, they said they try calling us, and leave messages, but my husband check the phone call history, it only shown a few anonymous calls and no messages from the credit card company all these time. The credit card representative only agree to drop the bill to {$42.00}. XXXX and if I pay for that amount, then my account will be XXXX dollar balance. 

I do not agree with the credit card company 's charge, but I dont want the bill goes higher, so I agree to pay for {$42.00}. XXXX to bring my balance to XXXX   dollar first, and make my complain later. And I paid {$42.00} on XX/XX/XXXX.

I only two days delay to pay the bill before the due date, after all I did PAY for my bill before the next statement. If need to be charge, should only charge for that two days late fee only. The way the credit card company doing is ripping people off, they ignore my original full amount of payment, and make new charges to me, this is unreasonably, unfairly and discriminate, and because of these late fee charges, it ruing out my credit report! I am asking for a fair judgement!
This collection agency has listed this on my credit profile without proper validation. I do n't have a contract signed with this agency or the original creditor. This collection agency has failed to send proper papers via mail notifying me this before listing on my credit. I have contacted this company and a csr stated it will be removed and sent back to original creditor. This has not happen yet. I will exercise all my rights since this is hurting my credit extremely and proper measure has n't been taking with the company.
On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and  yard sustained minor damage, but enough to need money to fix. XXXX XXXX sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from XXXX XXXX   asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted XXXX XXXX and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with transunion. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from XXXX XXXX '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.
I own a home which was destroyed during XXXX XXXX that is now in default. I have found a buyer ( for the value in the land as there is no value in the dwelling ). I sent the settlement check from my insurance company to Greentree Mortgage via overnight mail. It arrived at their payoff department ( address I was given by Greentree ) on XXXX XXXX. They have not deposited the check and have been sitting on it for two months. Both my attorney and I have been calling and getting the run around. We are both completely exasperated! My buyer is ready to walk away and I can not afford to lose this deal. It is not easy to sell an uninhabitable and potentially structurally unsound home. Greentree representatives have made so many promises about getting this taken care of and nothing has come of it. I called again this morning ( as did my attorney ). It appears that they have deposited the check but only a portion of it. There were supposed to deposit the full amount and give us a payoff statement so that we could go to closing and be done with this nightmare.. They had agreed not to charge fees and interest from the XXXX/XXXX/15 date as it was their fault that they were not applying the monies from the insurance check. They applied the portion of the check improperly and have charged all the fees. This is beyond ridiculous! They have had my money for over two months and the end is still not in sight. XXXX goals I am looking for here : 1. Apply the full insurance check back to the XXXX XXXX date, 2. Send me a payoff statement so that we can go to closing ASAP! Help!
They call every day, sometimes twice in a day.I tell them it 's a new number from XXXX and that they want the former owner of that number.They always say sorry and that it well stop.But it does n't.
Equifax mishandled my information and according to equifaxsecurity2017.com my data was comprised during a cyber security incident.
Synchrony Bank, XXXX Florida is the company for my medical credit card for {$800.00}. This year starting in XXXX, I initiated a repayment plan. When I asked the minimum amount allowed per month ( {$69.00} ), I  was misinformed. I was charged {$200.00} in XXXX and {$69.00} every month til present. In XXXX, I noticed that my balance was not changed, I called to inquire & I was told credit report wasnt updated ( bi-monthly ). In XXXX I still noticed no change to balance & When I asked, I was told that no one had information for me about the details on my account and that I would have to file a complaint and that it would take 30 days for them to respond. Two months go by and then I call again for answers And the woman on the phone tells me that she cant give me any details but I can make a payment to avoid punishment. I told her I cant make a payment until I know with the balance is and what is going on with the account because there is something wrong. They still did not answer me and instead reported me to the credit bureau and dropped me and raise my balance. I was forced to pay the balance in full just to protect what little of my credit is left but they have damaged me to the point of 100 points and still have not ever answered my complaint.
Fair Collections and Outsourcing ( FCO ), a debt collector and assigned agent of the original creditor, XXXX XXXX XXXX, has been attempting to collect a claimed debt of {$3500.00} for various charges associated with my rental of an XXXX apartment at the XXXX XXXX facility in XXXX XXXX California. 

FCO has provided as evidence of the debt, a '' resident Journal '' that depicts debit and credit transactions and ending balance. The problem with this XXXX page report is that @ XXXX % of the report is blurred beyond readability, and the ending perpetual balance does not follow from the transactions, but rather is stated seperately on a page not of the transaction report, and in a different typeset. The report as given is useless for purposes of debt validation. 

FCO is reporting the claimed debt to XXXX, who is reporting it as a delinquent item in collections. 

I have sent to FCO a copy of the report I received from them, pointing out the unreadable areas, and requesting a fully readable version. I also requested that they provide the name and contact information of authorizing and approving agent at XXXX XXXX Communities. 

In response, I received a letter from FCO stating they have " verified '' the debt and will continue reporting it to the CRA, FCO did not respond to any of the requests I made for a competent validation of the debt, and identity of the source of the data.
The credit bureaus, XXXX, XXXX and Experian wrongfully removed two  accounts from my credit profile which was paid in full and closed. This particular account ( XXXX XXXX XXXX ). 
When these accounts were removed, it also removed eight ( 8 ) years of credit history from my account which has drastically affected my credit score. These accounts were on my credit reports, I have the full reports in my possession in which I can provide if necessary. 
I did not receive any notification that these accounts were being removed which is a violation of my consumer rights.
This was a bill with XXXX XXXX XXXX, when I shut it off I made arraignments to pay it off threw XXXX XXXX XXXX took over and I continued to pay, XXXX gave it to collection company XXXX XXXX XXXX in XXXX Tx on XXXX XXXX 2017 the cashed check # XXXX for XXXX dollars on XXXX XXXX 2017 they reported to credit beau that I was too months behind this is a case of fraud I called up the company and they told me they see the payment some thing has to be done with these people.The out  standing balance was XXXX which I paid in full.
Applied for a modification on XXXX/XXXX/XXXX. I called today on XXXX/XXXX/XXXX to find out the status and was advised by XXXX ID # XXXX and advised that the loan was ineligible to reactivate based on affordability and no change in circumstance since prior re-entry on XXXX XXXX. I would like to know the income that was considered in this review and the income that was considered in the XXXX XXXX review as the representative advised she could not give me that information.
I was approved for Mortgage Modification by Nationstar Mortgage. This approval allowed me to seek a short sale or possibly pursue deed in lieu. I then found a buyer for the short sale. The short sale was eventually approved and we were moving towards an appraisal and requesting a title. That process took 10 months and literally dozens of emails, phone calls, attachments, etc. I went through XXXX realtors just to make it happen. Then I got this message from the bank : " There is a sale date on XXXX/XXXX/2015. The inspection is set for XXXX. there is no way to postpone the sale date so we will remove this file due to not having sufficient time to complete the short sale. 
The short sale transaction on property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX has been cancelled by the seller. " In other words I believe that they stalled this process long enough to where they eventually had to approve the short sale, only to schedule the foreclosure auction before they allowed it to go through. I truly do not believe they ever had any intention of allowing Loan Modification ( required by the Dodd-Frank law ) to take place. I have multiple witnesses and dozens of emails which reveal either their ineptitude or their intention to deceive me through this process. As a result my house is being foreclosed on and I am being left out in the cold for 7 years of bad finance, despite the fact that I qualify for government relief.
In regards to my credit score, Experian has dropped my credit score 20 points from XX/XX/XXXX till now. There has been no change in my credit nor have I endured any more debt. There is one negative report on my credit which occurred in XX/XX/XXXX. There have been no late payments or delinquencies. That being said, I dont understand why this has happened. I have not received adequate information as to why the drastic drop in my credit score. It has gone from excellent to very good which might affect my purchasing power. I would appreciate in information regarding this issue.
My bank had approved me for a car loan and I went with a company who said they would take over the responsibility and roll my payment for Wells Fargo into my new loan with their company. I had the car quite some time before they asked me for more information needed to close the deal and the car and had paid several payments. The deal ended up falling through because the money that my bank approved me for was not enough for what they were asking for the car. I paid on time and thought they were paying on time. I have been marked late multiple times after I have sent paper work showing them the loan my bank had approved me for and how I was doing business with the other company, that took over responsibility for paying my loan. I take pride in paying my bills on time and have disputed information they have reported and instead of looking at the timely payments I 've made in the last two years and seeing something had to have transpired and looking more depth into what has happened they keep brushing it under the rug and not trying to see how they can help resolve the issue. As soon as the loan fell through I took back over the payments and paid the account off in which that is what shows at this time. Not to mention Wells Fargo started trying to charge for some type of card I never had with them and for some reason they could never find information on when asked.
Someone has been using my personal information to open bank accounts of current accounts and savings open fraudulent accounts = Wells fargo, XXXX XXXX XXXX XXXX  and XXXX XXXX .. I do not recognize these accounts please delete my information with these companies ..
I faxed documents to XXXX and am writing because my credit report is not accurate, I have attached my birth certificate, ssn, and a recent police report number from a incident in which I was almost killed, but thankfully Im still alive. Your records have revealed to companies Im deceased and this is untrue. 
Under Missouri state law I am also entitled to one free report a year if you are unemployed and plan to look for a job within 60 days, you are on welfare, or your report is inaccurate because of fraud. I have a right to bring civil action against anyone, including a consumer credit reporting agency, who improperly obtains access to a file, knowingly misuses file data, or fails to correct inaccurate file data. 
As you are aware I have made numerous attempts to get you to correct my credit report. Your records stating Im deceased  has caused a delay in income tax services, among other things and has harmed me severely financially.
After reviewing my credit report dated  XXXX / XXXX /   2017  and  XXXX / XXXX  /2017 I n oticed that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX   2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017. T his is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law s ection 37-20-110 . I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.
Calls twice a day with a recorded message that says " my loan with MAS financial is in default, press 1 to speak to a representative. '' I push 1 and it transfers me to a " disconnected or no longer in service number. '' I call the company direct and the robocalls aka automated calls from an auto-dialer still continue even tho I've talked to them. And I've told them a number of times that the robot calls continue twice a day everyday and they said there is nothing they can do about it. I filed a complaint with the XXXX  which is doing nothing with the robocalls. Also I have asked like 10 times if not more to get a statement with the amount and how they arrived at that amount and they have yet to procure one, they did send me a letter saying that the insurance only covered part of it and that this amount is what is left. I am not accepting it. i would like to see everything the original loan amount minus down payment, and for the love of XXXX I doubt it was applied as I was told by the dealer that no finance company will not finance anyone without a down payment. So where did it go? The dealership took the {$1000.00} was the 100 % profit for them? I was lead to believe that the finance company got that money. Plus I wan na see the payments and interest that was applied as well as any fees. I want it broken down. Do I have to send them an XXXX spreadsheet to fill out? I thought this was a professional company. Obviously not. They did say something along the line of well why didn't I have gap insurance? I told them I asked about it and was told I didn't need it and that they didn't offer it, and they didn't know who did offer it or where to get it. I was told that finance companies are the ones to offer it, it was a requirement for the last car I bought and the finance company offered it and included it with the payment.