WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Transunion, I recently received a copy of my credit reports. The credit reports showed payment history of 5 missed payments from the US Department of ED. I contacted the US Department of ED and they were unable to verify the information. I was told by the US Department of ED was not in charge of my Loan, it was XXXX ( XXXX ). I immediately contacted XXXX and they were unable to verify the information. This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the information in my credit profile due to its damaging effects on my good credit standing. Because of this information on my credit report, I have been wrongfully denied credit recently for a home loan which was highly embarrassing and has negatively impacted my lifestyle. 
I called transunion on XXXX XXXX at XXXX and recorded the conversation. I was told by XXXX employees that they do not control the informations that creditors sent them. It was not Transunion job to verify if the informations are accurate or not. I indicated that the phone number listed for the creditor was a non working number and requested more informations to help him verify the informations but was denied. I was offered to put a dispute on the account as a resolution. I informed the rep that it was not helping me because this inaccurate informations are impacting my life. 
The following information needs to be verified and deleted from my credit report as soon as possible : U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX U S DEPARTMENT OF ED Currently 120 days past due XXXX Please delete the above information as quickly as possible. 
Sincerely, XXXX XXXX
After several exhausting attempts to resolve this matter, ARS account resolution is reporting debts that I do not owe. This matter is affecting me emotionally and financially. ARS account resolution has failed to validate this debt directly to me, and only verify it with the credit bureau whenever disputed. ARS account resolution have no signed agreements between me and the stated party that they claim to represent which would make me responsible for this alleged debt. This is my last attempt to resolve this matter, otherwise they leave me no choice but to seek litigation. Final attempt.
XX/XX/2016 XXXXn I have contacted this company numerous time to be removed off my credit report. They have removed it on my XXXX and XXXX credit report. I did not have any business with this company and I need this to be removed off my XXXX account immediately. 

The amount is XXXX
ii just saw that someone tryed to open a card with capitalone XXXX XXXX card that wasnt me for sure, I already have a capital one platimum please remove this hard inquiry
I just got off the phone after being put on hold for over an hour with Nationstar Mortgage. My simple question is what is my current amount due with my next payment scheduled on XXXX/XXXX/XXXX. No one could tell me this information as they stated my escrow amounts have changed twice between XXXX XXXX and XXXX XXXX. Now I 'm in a situation where I do n't know what amounts are due for my next payment. This lack of clarity of their own process has created an extremely poor customer experience on my end and leaves me with zero confidence that the terms and calculations of my account are being clearly and simply communicated. It also brings into queston my assumption of several gaps in their processes as well.
I request a dispute with dtv XXXX service with my discover card my acct.was credited XXXX. never reponded this was 2014 they sent the charge to cbe group for XXXX
I HAVE CONTACTED THE DEPT OF ED NELNET ON SEVERAL OCCASIONS. I HAVE ADVISED THEM THAT I NEVER TOOK OUT LOANS WITH THEM AND THEY STILL CONTINUE TO REPORT ON MY CREDIT REPORT THAT I AM 120 DAYS LATE WHICH IS NOT TRUE BECAUSE THEY GARNISHED MY TAXES ONE YEAR AND I HAD A OFFSET FROM THEM WHEN I ADVISED THEM THAT THE LOAN WAS NOT MINE. I HAVE CALLED SEVERAL TIMES AND BEEN TRANSFERRED WITH NO HELP. I HAVE EVEN SENT LETTERS ASKING THEM TO REMOVE THIS OFF MY CREDIT REPORT ESPECIALLY SINCE THEY GARNISHED MY TAXES FOR A FRAUDULENT ACCOUNT. I HAVE NOT GOT A RESPONSE AND ITS STILL ON MY CREDIT REPORT
Hello, I am asking for assistant with Common Wealth Financial. I disputed this collection agency on XX/XX/XXXX and the month of XX/XX/XXXX. I am requesting a validation of the debt ( not a verification ) that I have a signed contract signed with Common Wealth Financial per Fair Debt Collection Practices Act laws. I also request a contract validation of my signature and their signature not a copy of a bill. If they can not provide documentation I request that this debt be removed from my credit file with all three credit bureaus, per Fair Debt Collection Practices Act.
Previous complaint ... XXXX ... .fraud. 
XXXX XXXX, senior customer care specialist, US Bank XXXX XXXX Customer Service ... ..once again, I didn't file or authorize fraud on 2 transactions at XXXX XXXX XXXX ... XXXX XXXX and XXXX 2018, as I told you on our phone conservation, I didn't sign your form on these as I still have it. 
Your force close fee of XXXX ... .now you word as a charge of fee. 
Stop dancing, take responsibility of your employee errors. I am not responsible for this for this negative balance which now is a Recovery Branch, Department. I want immediate attention, and correction from you on your staff errors
check smart is corporate office for Easy money in XXXX tn. At first the local Easy Money on XXXX XXXX in XXXX kept calling me XXXX times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well.
On the day I opened my citi bank double reward card i asked about waving a balance transfer fee, the representative advised it would be waved. 
I called to confirm the transfer fee wave and i was told they did not honor it.
Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and XXXX is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on Equifax and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.
On today XX/XX/2018 I ordered copies of my credit report and was horrified at the fraudulent accounts that are on there. Capital one which is showing two accounts and a XXXX XXXX showing two accounts for a XXXX XXXX   and a XXXX XXXX. I ordered my XXXX XXXX report like FTC told me to and capital one is on there for a 360 checking account which is not mine and it is negative
After years and years and numerous attempts of proving this account has been paid and this company taking money from my checking account, they are still trying to take my money. I have proof there is no such debt and they have no proof that there is an unpaid debt. This harassment is causing such anxiety that I am unable to sleep at night wondering when I am going to wake up and be penniless again. This is complete fraud and harassment and I want it to stop immediately and be refunded the amount they have already stolen from me. If you call the attorney 's office, you have some so called lady answering telling you " you should pay your bills. '' This is unfair and unjust and this is my XXXX complaint and no one is doing anything about it. UNIFUND CCR PARNTERS is scamming me and I want this to stop. I really do n't have the money to hire any attorney but it is looking like I am going to have to in order to get any help as I do n't want to be stuck having to borrow money after they have stolen my checking account again and have to pay numerous overdraft fees.
XXXX responded to my last complaint, which is posted in my CFPB file, that ALL the collections against me were being deleted.

As of today XXXX  and XXXX have done so.

EQUIFAX however, has deleted all but one.

Why is Equifax still showing the one? I suggest they do as XXXX has proffered as settlement to my complaint.

I am hoping it was just a mistake on Equifax 's part.
University XXXX report debt to GLA collection after my health insurance paid for my child doctors visit. I contact GLA and show proof that bill was paid by sending them a EOB an explanation of benefits that show proof that they have paid. The collection company refuse to remove inaccurate information from my credit report. I do not owe this debt they need to remove from my credit report.
On XX/XX/XXXX XXXX XXXX XXXX ran my background and received a clean report XXXX XXXX with XXXX On XX/XX/XXXX Sterling posted on my background report that i had a warrant from a case that was 9 years old XX/XX/XXXX past the 7 years required and then. Put on the report that the warrant was issued XX/XX/XXXX to make it appeared within the 7 year required and refused to provide the information of who reported the information which is required in a Advised action. There was no warrant they did it to help XXXX to denied employment and for profit.
I received a response from Experian from when I filed a complaint with your company. They did remove all the items I disputed at that time but when I received the new report Experian is now reporting a new collection that again belongs to a XXXX XXXX and not me. It 's XXXX XXXX collecting for XXXX XXXX. I have never had XXXX as a carrier. I contacted that company and they stated that it would n't report and that it was n't mine. I have been trying to close on a home loan and Experian has cost me so much money due to trying to get these resolved the rates have increased again. That XXXX XXXX 's social has the same last four as mine and she was born the same year but Experian is not using all information before placing things on my credit report.
On XX/XX/XXXX a " Small Balance Adjustment '' of {$.00} was made on my account. After spending 45 minutes of my time and speaking with XXXX, who transferred me to XXXX, who transferred me to XXXX who transferred me to supervisor, XXXX I could not get a resolution. XXXX informed me someone from escalations would return my call within 24 hours. This is the third occurrence of this nature. On XX/XX/XXXX a " Small Balance Adjustment of {$1.00} was taken from my account and again on XX/XX/XXXX another " Small Balance Adjustment of {$1.00} was taken from my account. After spending hours of my time trying to resolve the issue I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/XXXX. Per conversation with XXXX XXXX from Bank of America ( XXXX XXXX ). he informed this was a computer glitch and it would be resolved by XX/XX/XXXX. The XXXX " Small Balance Adjustment of {$1.00} each were returned to my account. If this computer glitch was resolved by XX/XX/XXXX why is it still happening on XX/XX/XXXX? I was informed by your customer service representative that I am not the only person having this problem, like this should make me feel better. Why do I, as a Bank of America customer have to spent my time addressing the same issue month after month. You, as Bank of America employees get paid for your time. No one pays me for the time I spent trying to resolve this issue. I need a reason this keep happening and what you are doing to resolve the issue. Sorry, but a computer glitch does n't satisfy me because that does not seen to be the problem.
I have a Best Buy Credit Card. I use the paperless option and so receive monthly notice that a payment is due and the balance is given. I generally go into a Best Buy to pay the bill. ok. I purchased an XXXX computer product for my girlfriend at XXXX ( XXXX ) XXXX on occasion I purchased a few items on the credit card. Along the way I forgot that the 2014 purchase was a 'promotional ' which deferred the interest rate. I have never seen anywhere what the standard interest rate is. After much yelling I found it is 28 %! wow. 
So, the problem now is that they added the accumulated interest on the account and my balance now is the same as it was in 2014 - - I am not even sure if any money that I 've paid for the past year and a half have gone toward anything! I will not go back and tally up what I 've paid and the customer service supervisor ( XXXX in Idaho ) allowed me a few weeks to take care of the remaining balance. My main problem with all this is - - it is a predatory lending practice - - the statement does not show what is promotional or regular and I was not aware ( been very busy this past year ) that the promo was ending. Nothing on the statement alerts or lets me know. That is wrong. Even the new concept of showing the customer the effects of only paying the minimum balance vs. more each month is not illustrated on the ( online ) statement. He said if I were to download and then print the monthly statement it would say all that. I say that all pertinent info should be shown on all statements - online or downloaded or in the mail. The bank that Best Buy uses is Citibank. I really appreciate this form and thank you for listening.
I financed some dental treatment through CareCredit/Synchrony Bank which offered no interest payable promotion for twelve months. I am at the 10/11 month stage and intend to pay off the charge in full to avoid interest charges. The account is " paperless '' and managed on line. Nowhere is there any provision or " menu '' for online payment in full ; and telephone contact is limited to a automated menu, unless you are willing to pay {$10.00}. to speak to a representative. I will not pay to speak to an agent, but I have persevered in locating the home address of Synchrony Bank in XXXX, and will send them a check for the full balance. 
It is obvious to me that the " paperless '' format for managing an account is designed to make it next to impossible to pay off an account in full exposing the card holder to the post promotional high interest rates. 
I request that you investigate this matter and take such action as you may deem appropriate. 
XXXX XXXX NJ XXXX XXXX
This is not a duplicate, I 'm asking for Equifax to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. 
I would like the late payments removed from the account, not remove the account as you seem to think I asked.
On XX/XX/2017 I received a letter that the care credit account was paid and settled in full. They are showing a balance on my credit report and showing charge off in comments. In comments should be settled and paid in full as all my other reports I settled on shows. Unfair reporting. I was also promised a pay and settle to delete from credit report which was also not done. Care credit was the original owner then sold to synchrony bank I believe then winded up in the hands of XXXX XXXXXXXX XXXX, XXXX which I settled and paid with portfolio recovery on XX/XX/2017. Please correct credit report Ive been fighting this since last year.
I have tried logging in to dispute a medical debt on my credit report that is not on any of my other reports. The debt in question provides no phone number or address to contact this creditor and equifax allows this information to be reported. From my understanding of the FCRA and address and phone is required to be on the report. I have tried to dispute this information on my equifax credit report however their system will not allow me to. The last XXXX of my ssn are XXXX date of birth XXXX/XXXX/XXXX and my address is XXXX XXXX XXXX XXXX tx XXXX.
The company is calling harassing me about a loan I know nothing about. They threatened to contact my job
I received a collection letter containing a settlement offer from Stenger & Stenger, a law firm representing XXXX XXXX, dated XXXX XXXX, XXXX. The letter indicates they are collecting on my former XXXX XXXX XXXX account in the amount of {$880.00} and that XXXX XXXX is my current creditor. 

I was extremely upset by this, I assumed they were going to sue me if I did n't pay them. I was too embarrassed to tell anyone and did n't know what to do. This proved to be XXXX. XXXX XXXX some years back caused by XXXX XXXX, I spent quite a while in XXXX which is why I fell behind on my XXXX card to begin with. Now it was happening all over again, XXXX. My Dr. could n't understand it, I had been doing so well. XXXX. XXXX, XXXX. XXXX. All of this caused because I was so afraid of being sued. 

I finally confided in my daughter about this and she started helping me. First she pulled my credit reports and found my old XXXX account was only reporting on one due to how old it is, it 's gone from that one now too. She did some research and this is what she found. 

My XXXX account is past Statutes Of Limitations for suing and was at the time of their letter. Their letter does not indicate that, it was supposed to. I thought if I made a payment it would reset the SOL clock, I now know it would not. 

Their letter gives a deadline date of XXXX XXXX, XXXX for payment, this is why I was certain they were going to sue me if I did n't pay by then. It was very misleading. 

Their letter indicates XXXX XXXX is my creditor. They can not be, they are a debt buyer. XXXX XXXX owns XXXX XXXX XXXX as well as XXXX XXXX. They have an unscrupulous reputation and are banned from filing suit in some states. 

Their letter does not include any of the information it should have. No dates as to when the account was originally opened, the last payment, first delinquency, charged off, when XXXX XXXX supposedly purchased the account and from whom. They did n't even include the account number. 
The amount they are trying to collect is {$880.00}. The amount the XXXX account was charged off for was {$270.00}, a {$610.00} difference. 

My daughter found this court case that is very similar. 
XXXX v. XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ) My daughter also helped me with this complaint as well as a letter to Stenger & Stenger , dated XXXX XXXX, XXXX, sent via Certified Mail with a Return Receipt. They did not respond. 

When they pull these illegal, unethical scams I wonder if they ever think about what it does to the people they 're scamming. 
I doubt it. 

I 'm confident I would prevail in a court case against Stenger & Stenger and XXXX XXXX but would prefer to settle out of court due to my health. 

I have attached copies of the correspondence and the relevant credit report entry with the account number blackened out for legal reasons.
During the last few days of XX/XX/2017, I met with XXXX XXXX a loan officer at Academy Mortgage. I applied for a loan, not knowing what type of loan but she submitted me as a conventional loan. At very first meeting I mentioned I had lost my house in foreclosure 6 years ago -- -to my best knowledge there are only three types of loans I could get after three years from a foreclosure and that is FHA , VA , or USDA . My credit score at that time was XXXX. She told me no problem that I was approved and we would continue with the loan process as a Conventional loan as I was giving {$70000.00} down. She requested the {$480.00} for the appraisal cost -- During the loan process they issue the loan to another loan officer, XXXX as XXXX XXXX had left Academy Mortgage. Now, I started all over with documents because I was told they could not locate any documents, so I complied only to be told that I did not qualify for the loan because of my foreclosure. So I feel I was taken advantage of because any loan officer should know a conventional loan can not be approved until after 7 years. They should have submitted my loan as an FHA. I am now out {$480.00} and I want it back -- besides you do not order an appraisal until you know a loan is actually approved. I feel I was discriminated due to my language barrier I do not speak English very well. I wan my money back since they made a mistake on telling me I was approved. Please help me get my {$480.00} back. Also, I am attaching complete Letter I wrote to Academy mortgage requesting my money back and they have not responded.
My loan was sold from Sallie Mae to NAVIENT 4 years ago, and the payment increased to more than I can pay each month. 

I applied for IBR, hoping to lower my monthly payment. NAVIENT made my monthly amount due {$0.00}, but now there is over {$20000.00} in interest fees added to my loan amount. 

I want to do the right thing and pay this loan off, but need help finding a REALISTIC way to do so. The terms Navient offers are not workable and are putting me further and further into debt every month. 

I called the company 2 times to discuss this, and was not given any assistance. 

Please help!