WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 I sent certified letters to XXXX XXXX  for two accounts that appeared on my credit file stating charge off. I have a son that bears the same name as I. I requested XXXX XXXX  to send me proof of my ownership of the account bearing my signature. Up to this date XX/XX/2018 XXXX XXXX has not sent anything. I then disputed the accounts with Expierian and XXXX and they continue to verify the accounts on my credit file. The bureaus stated their Method of verification was automated and not directly through the agency. How can this be? XXXX XXXX cant verify.
From XX/XX/XXXX-XX/XX/XXXX its showing on my credit report of lateness of 30 days with my Bank of America credit card. I contacted a representative a while ago to remove this since I've had 33 consecutive months making payments on time and they reassured they will take care of this. This issued occurred due to automatic payments not being setup correctly. After the matter was fixed, we've never had any issues.
I SET A SETTLEMENT UP WITH THE COMPANY TO TAKE CARE OF THE DEBT, THEN I CALLED TO CHANGE THE PAYMENT AS I REALIZED I DID NOT HAVE ENOUGH MONEY TO COVER THE ORIGINAL SETTLEMENT. THEY AGREED TO TAKE THE LESSOR AMOUNT. LATER IN THE DAY I REALIZED THAT THEY HAD TAKEN BOTH PAYMENTS FROM MY ACCOUNT A TOTAL OF XXXX $ I ONLY OWED THEM XXXX FOR THE SETTLEMENT. THEY HAVE NOT RETURNED THE MONEY TO MY CARD YET AND HAVE NOT CONTACTED ME TO LET ME KNOW WHEN THEY WILL RETURN THE MONEY TO ME. THE EXTRA MONEY THEY TOOK WAS PART OF MY RENT. THEY ALSO REFUSED TO RETURN THE XXXX TO MY CARD AND SAID THY WILL ONLY RETURN THE SMALLER PAYMENT OF {$600.00} EVEN THOUGH THEY PREVIOUSLY AGREED TO TAKE THE SMALLER PAYMENT. THEY HAVE ALSO SENT ME THREATENING LETTERS SAYING THEY WERE GOING TO SUE ME.
My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Type  I h ave a dispute CONVERGENT  USA  - DEBT COLLECTOR Consumer ID  XXXX  Request Date   XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} for  XXXX  company.  First  of all I DO NOT have any   XXXX   account. I do n't even-know how   XXXX   XXXX   works. Second, this is only {$25.00}  I  dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please also advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account Number  XXXX
US Bank : XXXX/XXXX/17 : Trying to make a payment in my fraudelent accounts and being rerouted from XXXX department to another. Making my account even more debt, and no resolution and no result. Not liable to this accounts : Reserve Line XXXX and Credit Card ending in XXXX with adding late fees and interest charges and cash advances when not making purchases, making payments and not responding to my requests & disputes & messages and only rerouting, and blaming XXXX department to another. Thanks.
We where in a modification with Nation Star Mortage. We had last trial payment due. When the payment was processed We discovered that someone had stole our identity on our accounts and filed Tax returns for 2016. I explained to Nation Star about this and sent a letter of explanation. I did n't want a modification but for them to reinstate the loan moving forward. We have placed fraud alerts on our accounts and are trying to get this back in track. We have equity in our home. So the loan to lend ratio is solid.    I am just asking to reset and move forward this was never an issue with making payments on the mortga ge. Four payments w ere made prior to this identity fraud.
I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This company has consistently changed the bankruptcy file date when ever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive critical letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.
XXXX   XXXX   XXXX    sold my account to  Midland Funding. Midland funding is still reporting my  information as a collection account this account was paid and it should show  XXXX  balance and removed from the  CURRENT COLLECTION Spot. It should be closed n ot current!!! This account was updated on my report 2 days ago, and dropped my score  XXXX  points because of the negative remarks. I have tried to dispute this matter a thousand times.  XXXX   XXXX  is still reporting on my account. This account is paid!!!! again dropping my score another  XXXX  points.
I have disputed this account from XXXX XXXX and its still reporting on my credit reports. This school loan isnt mine and I have never took out any loans from this school. I never received any contact ( phone, email, letters ) from this school saying i am a student and owe this debt. Please delete this collection account of my credit reports. This isnt my debt and i dont owe nothing to this school. I also have numerous inquiries listed on my credit reports that are not mine. Someone is using my information and trying to open up accounts in my name.
I had a Chapter XXXX Bankruptcy discharged XXXX XXXX, 2016. On XXXX XXXX, 2016 the original creditor sold the account to XXXX XXXX XXXX and it was placed on my credit reports with both XXXX  and Equifax. On XXXX XXXX, 2016 XXXX additional collection accounts were placed on my credit report from XXXX XXXX. Instead of viewing the information and determining the accounts were from original creditors who were included in the bankruptcy and not adding it to the file, they were added as new collection accounts with comments stating they were included in bankruptcy on XXXX and listed as closed accounts on Equifax. They should have never been added because the debts with the original creditors was discharged.
We first attempted to modify our loan just over 2 years ago with Wells Fargo. Since then, there have been 2 more attempts. In each case, we were assigned multiple negotiators from Wells Fargo, and the standard practice was always the same!! Ask for condition, after condition, after condition, until their 90 day time limit to complete the modification would expire, at which time they would blame us for not completing the paperwork in a timely manner. This would trigger them to toss out the file, and make us start all over again. Not only would they condition us to death, but another tactic they use is to simply say they ca n't find what we sent them in their system. Let me tell you that I am a very well educated man, working as a XXXX, so I know how to XXXX. The debt ratios we had during the first to attempts to modify our loan were right in line with what Wells Fargo needed to approve us, but instead they chose to string us along for over 2 years. There is a clear case of Dual Tracking here, and we can prove it with over XXXX saved emails going back and forth with Wells Fargo. We also have a good friend with over 28 years experience as a XXXX, that looked at the overwhelming evidence we have, and said we have a winnable case against Wells Fargo. All we want is to modify our loan, which happens to be a pay option ARM. There has been a Notice Of Default filed by Wells Fargo, but no sale date posted at this time. We have XXXX PDF files we would like to send you that will prove our case. In addition, our mortgage broker is willing to testify that Wells Fargo lost numerous documents we sent to them via email over this 2 years time period. Please Help Us ... ..So we do n't lose our house!!!
There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees.

Comment Account closed at credit grantor 's request.

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX.
Received an alert for a new account on my XXXX credit file. Enhanced Recovery CO, LLC reported a debt in the amount of {$900.00} owed to ERCXXXX. I have n't had service from XXXX for at least 10 years, let alone any communication regarding a delinquent balance. I attempted to call Enhanced Recovery, no answer. I disputed the entry on my credit report, it was promptly updated from delinquent as of XXXX, updated to delinquent as of XXXX. I was never sent a notice of the alleged debt and, subsequently, deprived of my right ( s ) under the Fair Debt Collection Practices Act ; to dispute the debt and receive validation of the debt.
INTRODUCTORY RATE OFFERS WAS MISLEADING. DID NOT DISCLOSE ALL FEES. STATES 0 % INTRODUCTORY RATE FOR BALANCE TRANSFERS. BUT THEY CHARGED A 3 % TRANSACTION FEE WHICH IS NOT DISCLOSED ANYWHERE ON THE OFFER PAGE. HAD I KNOWN OF THIS UNDISCLOSED FEE I WOULD NOT HAVE DONE THE TRANSFER.
Direct Recovery Services LLC. I have received multiple calls from different numbers from this company. The same company recently contacted an acquaintance of mine and left a voicemail stating they were escalating the issue pertaining to a debt owed. When I attempted to call the numbers the associates on the other line were extremely rude and cursed and became irate when I would not confirm my identity. The associates would scold me and say I am not the one in control and refused to give me a mailing address to send a cease and desist letter. I also expressed they were not to call my number again. Each time I requested a physical mailing address they would hangup on me. They are attempting to collect a debt that they have not validated.
After completing my XXXX degree, I consolidated my student loans in 2007 and my total was $ XXXX. 9 years later without missing a payment, I have paid over $ XXXX! My student loan has changed companies multiple times and as a result of a recessed economy and poor business practices, which were totally out out of my control, my loan has also restarted multiple times and I still owe $ XXXX. I am currently paying {$670.00} per month of which {$520.00} is going towards accrued interest NOT my principle. I have already paid an incredible amount with nothing to show for it but a 'generous ' offer from your customer service representative XXXX ( Edfinancial Services Case ID : XXXX ) to pay more! Is this how the American education system works for honest citizens who strive for higher education and learning? 
I would like to make a cash offer to buy out my student loans for {$20000.00}. That will give your company a total amount of over $ XXXX in repayment.
When getting a replacement card, the company informed me that it would issue me a new number. In doing so, they reported me as closing my credit line and re-opening a new line of credit with them. When I opened my Synchrony Bank - Carecredit account with them, it was on XX/XX/XXXX ( 6 yrs, 4 mos ago ) and on around 9 months ago I asked for a new card. It was XX/XX/XXXX when they show the new account established, but this was not the case as I had only requested a replacement card. 

I have spoke with them on this in the past and they " assured '' me it would be corrected in due time, and I eventually created a dispute with XXXX  about my Synchrony Bank credit account, which was reported on XX/XX/XXXX and completed on XX/XX/XXXX with no resolution on my request. 

XXXX  was supposed to create a new dispute as I called today, XX/XX/XXXX, and were supposed to send me a confirmation via email in which I never received. They were not too helpful when I asked them what my options were as to disputing it with the information I had and the response from the creditor already.
Honda Financial Services is incorrectly reporting to my credit. They have report my car payments late 7 times. When I in fact was not late and I have the proof that I wasnt late. My payments are due on the XXXX of every month but 7 different times when I paid on the XXXX they marked my payments as late and reported it to the credit bureaus. I made them mail me copies of my payment history. These are the dates they marked late but I have proof I wasnt late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. I want these 7 payments credited to my account as made on time and I want the adjustment made with the credit bureaus. I also want the fees associated with these late payment removed because I wasnt late.
I have sent several letters and a police report. Transunion is having a problem removing this off my credit report. I never had a car loan from  XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX , NE  XXXX , (  XXXX  )  XXXX . I never lived in  XXXX ,  NE  and asked them to send me proof of the sign contract and no response. Please remove this off my credit report. The dates was  XXXX / XXXX /  XXXX   collection date and loan begin in  XXXX   XXXX .
last year I made some applications to a few loan companies and never took any loans. I started to receive texts from and unknown source that I would delete. Then 3 weeks ago I was sent a check from XXXX XXXX. I had no banking relationship with them for since XX/XX/2017 at minimum. I researched the memo on the money order which indicated that it was some sort of legal settlement from a class action suit against XXXX. 2 weeks after that I get a letter from XXXX showing that XXXX had come into a closed account from a XXXX XXXX. XXXX took out what I owed them and sent me the balance. I never requested this loan. this loan was forced on me just like XXXX XXXX forced loans and such on its clients. I had no knowledge that the money i was sent was from a loan company and it tool several visits to a perplexed rep at XXXX to ascertain what happened. I do not owe this money under civil law. 
I do not know how i was forced this loan. I deleted all threads from companies making these loan offers and never hit reply or opt out ... that is what the thieves need you to do to hack your phone so I just ignore and delete
I am a single mother and they wanted me to pay XXXX dollars a month and I 'm not able to pay it and they is not will work with me.
Wells Fargo XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, IA XXXX Account Ending In : XXXX XXXX Identity Theft ) My identity has been compromised and although I've made Wells Fargo aware that the account in question does not belong to me, Wells Fargo has continuously reported a fraudulent account on my credit report. 

My most recent correspondence XX/XX/2018, notified Wells Fargo that their attempts to collect a debt were illegal and their erroneous reporting of the negative and fraudulent item on my credit report. 

Unfortunately, Wells Fargo has refused to remove the negative items from my report. The FCRA demands that a true and accurate report be made of an individuals credit worthiness. Wells Fargo 's erroneous reporting is nothing short of defamation of character.
my wife and I have a XXXX loan. We have never missed a payment.When my wife and I signed the papers we were told it was a fixed rate mortgage. It was not explained how the interest was applied. Interest goes up just about every month. We have requested a modification numerous times, to no avail. We borrowed {$200000.00}. Upon request of the doc 's we learned that the amount that we have to pay over the term is {$480000.00}
I was trying to open a bank account at Bank of American but the banker told me that I ca n't open bank account at Bank of American because they said I abuse an account that I had. At that moment I was confuse because I have never open account at Bank of American before I was a victim of identity theft before I had fraud on my credit report. So I had to go to my local police station to file a police report that day so I need this bank to do a investigation on who open this account without my authority Bank of American told me I can never open a bank account never in life because of this situation.
Although I have written confirmation dated XX/XX/XXXX from XXXX of the XXXX Executive Office confirming the XXXX hard credit inquiry someone made using my personal information is fraudulent, Equifax refuses to remove it. XXXX at XXXX insists he has already notified Equifax and the other bureaus. Although he admitted not every electronic communication is received, he adamantly refused to re-send it. When I contacted Equifax on XX/XX/XXXX, I was turned away by " XXXX '' with no help, saying they did not receive any notification from XXXX and suggesting I go back to them. When I did so I was informed that XXXX has the ultimate authority on this and no one else there would get involved. No other suggestions were provided on how to resolve this impasse. So we have XXXX and Equifax each pointing the finger at each other for something that could be resolved quickly by a few computer clicks. Removing a fraudulent hard copy inquiry is the right thing to do and should be a no-brainer. I would have thought these employees work in customer service, but apparently reaching out to each other and communicating in order to best serve consumers is just not something they do. A XXXX hard copy inquiry also remains on my report at XXXX, so apparently they did n't get the word either. Although XXXX says all bureaus have been notified, XXXX out of the XXXX retain this fraudulent hard copy inquiry today. I am simply asking - AGAIN, STILL - that Equifax remove it. Documentation on same including police and FTC reports, ID and proof of residence are on the way to all 3 bureaus. One can only hope there are some grownups working at the CFPB who can get the others to play nice with consumers and each other. Thank you for your help.
I have never done business with Synergetic Communications INC. I do not have a signed contract with Synergetic Communications INC. On XX/XX/2018 Synergetic Communications INC contacted me via us mail trying to collect on a debt in which I do not owe them. It is impossible for Synergetic Communications INC to collect a debt without a written contract and also to try to collect on a debt which is past the statue of limitations in the state of Texas. Texas law requires 4 years for collections on repossessions. Synergetic Communications INC has been sued multiple times for trying to collect on debt that is past the statue of limitation date. If Synergetic Communications INC places this erroneous debt that they can not collect on onto my credit I will pursue legal action. Synergetic Communications INC does not have my permission to contact me by email, phone, or is mail.
Got calls to my cell phone from portfolio recovery XXXX. They didn't leave a message, refused to tell me who they were trying to reach, when I asked for no more calls I was told they can only remove a wrong number but again refused to tell me who they were looking for. I provided my first name only in case it's a scam.
I am currently try to purchase my first house. When my credit report was pulled it states that I have a judgment for XXXX XXXX XXXX XXXX. I have traced it back to the county that it was filed in and they have nothing showing at this time about a judgement from them. In XX/XX/XXXX 2014 I consolidated all my student loans but some how I have this one lingering around. We are unable to find any information on it, who it is threw originally, and how to get it removed if it still exist. Please Help!!
Amount : {$2700.00} Reported XX/XX/XXXX Filed XX/XX/XXXX XXXX County Superior Court
They have incorrectly pl aced two m issed payment on each  Nelnet account for a total of 18 mis  sed payments on all  XXXX  credit reporting agencies.. I wa s never late, my account was placed in forbearance  in  XX/XX/XXXX .. and th ey have me down for late payments after that. They need to be deleted and removed from my credit because it has significantly hurt it.. I have attached the proof as well.. Thanks
XXXX  reports my acct past due, this is inaccurate i get no reply from  XXXX  the credit agencies are ignoring my requests
I paid FIRST POINT resources XXXX debt was paid on XXXX/XXXX/15 they left it on my credit file..im XXXX if I paid the debit they should be kind enough topay the debit with my little bit of money they should be nice enough to TAKE IT OFF my file I call them they flat refused..
I HAVE A ACCONT ON MY CREDIT REPORT FROM AUTOMATED ACCOUNTS MANAGEMNT AND IM REQUESTING THESE 2 ACCOUNTS TO BE REMOVED FROM CREDIT ACCOUNT NUMBER XXXX AND XXXX I DO NOT OWE THIS COMPANY ANYMONEY
This account has been disputed several times to XXXX, XXXX, and CITI-CARDS and the outcome is always VERIFIED as ACCURATE. The pages attached are from XXXX and XXXX   is also reporting identical data. 
CITI BANK NA sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from CITICARDS CBNA ; a similar affidavit was mailed to XXXX   with a notary of the public page completed in blue ink. Both XXXX and XXXX failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and  Proof-of-Verification. The credit bureaus ( XXXX XXXX and XXXX ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX XXXX XXXX ( XXXX ). I OBJECT to the use of XXXX as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to CITI-CARDS to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for CITI to notify me of their refusal to comply, nothing was sent to me by CITI indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by CITI and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, CITI has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. XXXX  and XXXX have been notified to block this account under FCRA Section 605B.