WillisBack/dataset-financial-user-claim huggingface dataset:
On my credit report, it is showing under my XXXX XXXX XXXX account, it is showing that there is negative information listed. That was for a car I purchased. As you can see, I always paid on time up until I sold the vehicle. I closed it XX/XX/XXXX. I do not know what the statute of limitations is but I can not understand how anything negative can be shown under an account that was paid on time. This only appears under my experian credit report. 

Can you please check into this for me. Only on my experian report is it showing XXXX negative marks. XXXX is my bankruptcy from XX/XX/XXXX discharged and I understand that it will be there for 10 years, XXXX credit report shows XXXX negative item ( bankruptcy ) andd the experian XXXX is showing XXXX negative, I would appreciate any help you can give. 

XXXX XXXX
I am a victim of identity theft. The accounts XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
I sent {$800.00} by Western Union to my friend who was robbed while vacationing in XXXX. She presented here passport as Identification and the agent had her fill out and sign ( before receiving the cash ) all the paperwork. The agent then called the store manager over to give here the cash because the amount was too high for here to disperse. The manager again inspected here passport and then refused to give her the money because her middle name was on her passport, but not on the money transfer. They then told her that the transfer would be cancelled and I would have to resend it. When I went online to resend it, the transfer was listed as being received by my friend. I then contacted Western Union by phone and was told that it had not been canceled and it had defiantly been picked up. After talking to several more people on that call I was told that the agents in XXXX must have made a mistake and not cancelled the transaction. My friend went back to the agents in XXXX and told them this and they said she was wrong, the transfer had been cancelled. She requested that they call Western Union and talk to them to figure out what was going on and they refused. This transfer was on the XXXX of XXXX, 2016, and ever since then I, and my friend have been trying to get this corrected and find out where the money went. Western Union asked if I would like a formal investigation of this transaction and I told them to do so. Since that time I have heard nothing and am unable to reach anyone that can tell me any information about the investigation, or if the investigation is even occurring.
I have owned my home for nearly 25 years. I have never had any problems with my mortgage company or making my payment until recently. I am now facing foreclosure and feel that my lender Nationstar Mortgage is not allowing me the chance to fix this problem. I suffered some major health problems in the last couple of years and have been unable to work. I am awaiting a XXXX hearing this XXXX, at which time I will most certainly be awarded benefits. I have informed Nationstar of this situation and they are aware and told me they would work with me and just wanted to be kept in the loop. Well I have done this with them and they told me it would all be fine. But now they have started sending foreclosure notices to me in the mail and are moving to set an auction for my house. I do not want to lose my home that I have owned since 1994, I have nowhere to go and have made thousands of dollars of payments over the years. I understand that Nationstar received millions of dollars in taxpayer bailout funds and that they are obligated to work with struggling homeowners. I also understand that there are various programs for people who are unemployed or become XXXX that allow a deferral of payments while the situation gets figured out. Believe me, if I could work and pay Nationstar right now I would. 

I worked as an XXXX for 30 years and made a good living. However, after years of hard work my body suddenly started to give out on me. I was XXXX and then with an XXXX. Not long after that I had to have XXXX and then also on XXXX. I am an excellent candidate for XXXX but have been waiting nearly THREE YEARS for my hearing which is coming up in a couple of months. 

I do not want to lose my home at foreclosure auction and I do n't know why Nationstar is not considering me for unemployment programs that allow homeowners to defer past due payments while awaiting employment or the receipt of XXXX funds. I am concerned that Nationstar is not allowing me access to these programs and not giving me the chance to save my home Once my XXXX is approved I know that some type of plan can be worked out. My delinquency is close to {$5000.00} at this time. This is more than I could possibly pay in a lump sum but it is not such a large amount that this situation ca n't be figured out. I am asking for some compassion from Nationstar, and the chance to be considered for all available programs. Right now I am at their mercy as I do not have any type of steady income but I assure you that after this XXXX hearing I will be granted benefits and will be able to get back on track and make timely payments for the rest of the life of this loan. I wanted to inform your office of this situation in hopes that you can assist and persuade Nationstar to allow me the chance to save my home through this program.
I applied for a solar loan through GreenSky in the amount of {$40000.00}. I was not approved for the amount applied for. The amount I was approved for was {$15000.00}. I did not accept this amount and canceled out of the online loan application. I was never contacted for approval on the different amount. I then received loan documents with an account created in the amount that I did not authorize.
I bought something off of XXXX, I sent the seller {$97.00} on XX/XX/2018 in XXXX currency due to them living in XXXX. They then asked me to send them {$50.00} in XXXX, for the item to be " marked as shipped '', the seller gave me a fake tracking number which at the time I did not realize. They then kept on postponing the date of when I would receive the product. They are no longer responding to my messages as well. I called Paypal because this is what I used to make the payments, they said to file a claim, and to write out what happened here.
WE were contacted by CityWorth Mortgage and had an approval letter for a FHA loan in the amount of {$140000.00} to buy a house. We worked with a realtor and found a home on XXXX XXXX, 2017,  and had signed a contract to buy the house and gave the title company $ XXXXto start proceedings and buy said house.My husband and I attempted to contact XXXX XXXX XXXX the broker with CityWorth Mortgage. The realtor we were working with also attempted to Call XXXX XXXX and could n't get a hold of him. We were on a time restraint and since XXXX XXXX was not responding to any emails or phone calls we went with a broker the realtor has worked with before. The broker told us we did not qualify for a loan at this time and did n't know how CityWorth Mortgage could say we did. We had already given the title company {$1000.00} and no way to buy the house and had to cancel the contract. I have filed a complaint with Consumer Affairs and the company 's response was a fabrication of what they did to try and resolve this. In addition, the company did n't even contact us when we were trying to contact them until after the complaint was filed.
Check City continually calls my phone number. I tell them they have the wrong # and that I do n't know the person they are trying to reach. They have continued to call. I 've told them I was going to file a harassment complaint, but they continue to call my phone.
On XX/XX/XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a 30-day late payment for XX/XX/XXXX on my XXXX XXXX XXXX car loan account. 

On XX/XX/XXXX, I wrote a letter ( copy attached ) to XXXX XXXX services and sent it to the following address : TOYOTA FINANCIAL SERVICES ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XX/XX/XXXX I made several attempts to make a payment online and the Toyota/XXXX payment system was down. Also around XX/XX/XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or Toyota notifying me that the payment was due. I asked XXXX to remove the XX/XX/XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XX/XX/XXXX, XXXX XXXX Services responded with a generic letter ( copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX Services ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.
My mortgage has been paid in full to this company and they are telling 6 months before the lien is released. I need this lien released immediately. I have another bank that I refinanced through that has to place the lien on the property. I have kept calling and keep getting told its " in process. '' No one is helping get this lien released.
Credit card offer online showed XXXX bonus points for spending {$25.00} or so, for about XXXX different purchases before a certain date. We tried signing up for the service online and it has come time for the bonus points to show and it looks like it has not worked. Yet I spent well beyond the bonus requirements. The online system for signing up for the bonus was not effective in working with my submission and success in meeting the requirements.
A name and address is wrong. I have never used the name or lived at the address. The incorrect name is XXXX, XXXX, XXXX and the incorrect address is XXXX XXXX, XXXX, XXXX. The correct name is XXXX XXXX XXXX and the correct addresses are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. Please correct this information on my credit report
This is a debt that I was spoke with the doctor office due to my son father taking my son to the doctor. He called for the insurance card number ( he reside in XXXX, TN - I reside in XXXX, MO since 2012 ) - I gave to him. When I ran my credit report I notice this charge on there. 1- I did not sign any papers, my child XXXX XXXX was in the care of his father. I am not obligated or was given notice about the debt. I have disputed the account which was showing on my credit reports for {$100.00} and being closed now the company Universial Collection has updated and placed status back to Collection and changed the amount. {$80.00}
I am a victim of Identity Theft and have submitted all proper documentation required by Experian in order to prove my case. Police Report, FTC Identity Theft Report, Legal Notice and personal ID and according to the Fair and Accurate Transaction Act of XX/XX/2003 requires that bureaus block and delete any information that was the result of Identity Theft FACT section XXXX FCRA Section XXXX. Furthermore, in XXXX ( My home State ) If you are a victim of Identity theft ( as defined in section XXXX of the XXXX ) section XXXX of the california XXXX XXXX gives you the right to BLOCK reporting by consumer reporting agencies of information that appears in your credit report as a result of the Identity Theft. So please comply and remove those fraudlent accounts immediately listed in the FTC ID Theft Report enclosed.
I have a Macy 's credit card account which has been in good standing since XXXX. In XXXX, XXXX I purchased a dress for {$100.00}. In XXXX I paid {$30.00} to my Macy 's account and then later in XXXX, I returned the dress and made a purchase of around {$40.00}. I was thinking that with the {$30.00} payment and the return, I was probably about even and assumed I would receive a bill for the balance, if there was one. I have not used the Macy 's card since XXXX. In XXXX I reviewed my Fico score which is provided by XXXX XXXX XXXX and I noticed that it had suddenly dropped from the mid XXXX 's to less than XXXX for " delinquency ''. But I was unaware of any accounts that were delinquent. I then pulled up my credit report and saw that Macy 's had reported me to all XXXX credit bureaus as being 90 days delinquent, which greatly impacted my credit worthiness. I looked online at my Macy 's account and saw that I had a balance of {$12.00} in XXXX and then fees and interest had been added for the next XXXX billing cycles. I saw that my account was " late '', that I owed {$35.00}, and that my available line of credit had been dropped from {$4800.00} to {$300.00}. I immediately paid the balance. My complaint is that Macy 's never called me, sent an email or mailed me a bill. There was never any notification to me, by Macy 's indicating that I had a balance due. Now, because I was never properly billed for the {$12.00}, I have bad credit. I am hoping that there is some way this could be remedied, especially considering the low dollar amount that I owed and the fact that I had never been late in the past.
I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making XXXX XXXX XXXX XXXX bill payments in consecutive months and for spending { {$1000.00} } on my debit card. I met these requirements in in XXXX XXXX and here is an excerpt of the message I received. 

" After my review, I confirmed that with the bill payment on XXXX/XXXX/XXXX and your total debit purchase of {$1000.00} being met on XXXX/XXXX/XXXX ; all promotional requirements have been met. To set your expectations, the miles are automatically credited 90 days from the end of the statement cycle in which the requirements were completed. I was able to calculate that the miles will be credited to your XXXX account by XXXX/XXXX/XXXX. '' Now Citi is giving me a run around saying there 's delay and I wo n't get the bonus until XXXX45 days after today when I called. This has been going on for weeks. I 've tried contacting them over the phone and online, all I get is run around. I just want to get this resolved in a timely manner without having to chase them down. Does Citi want to alienate their customers? What kind of relationship do they want to create with the public here? After all, we did bail you out after you XXXX up in XXXX with the whole mortgage stuff. I mean come on!
My credit report have 7 years old accounts still showing and student loans and creditors that included in bankruptcy still listed individual double my credit ratio making my score low. The accounts listed in bankruptcy should be listed still on report but they removed bankruptcy XXXX. The bankruptcy and all creditors still showing from XXXX to XXXX. My student loans debt double they charging putting extra money to pay back on the balance of XXXX bankruptcy that was paid in chapter XXXX. I asked for a copy of the original balance bill with my signature on it that on my report no answer in for inquiries. Equifax has replied lowered my score more. Why third -partiy are listed with same amount with the original creditor it not fair XXXX XXXX and their XXXX party XXXX XXXX XXXX {$580.00}.
I was never contacted by the lender. Not even once. 
XXXX XXXX and XXXX somehow obtained my information and threatened me with legal action. They said they would harrass me at work every day and show up at my doorstep. They fraudulently aquired my information and continue to threaten me. They constantly call and say they have contacted XXXX XXXX and are serving me court orders. I contaced the actual lender and they said they are a scam company.
XXXX, XXXX, and Equifax are reporting a balance that have been paid and I do not owe. XXXX and XXXX XXXX XXXX XXXX, debts have been paid and they continue to report a balance.
Transunion, has failed to update my credit report which is causing me not to be able to rent an apartment. I have a XXXX balance with XXXX aka. XXXX. The balance owed has been paid off for 2 years! Transunion has also been reporting that I was evicted, however I have never been evicted from any home. On-site. which is the screening service used by apartment rental companies are also showing this information which is in accurate.
The tenant that lived at in my house had an XXXX account. When he moved out, I was charged with his bill from the new residence but under my name. I figured this out when I went to the XXXX local store to start XXXX under my own. The representative checked my ID ( billing address did n't match my address obviously ), put some notes under that account, apologized for the error and fixed it by giving me a new account and not charging me anything for the previous account. Now the collections has been calling me over and over to collect this debt. I already talked to them but its not helpful.
I am writing to dispute the following information in my file. I am disputing the following items : 1. XXXX pulls XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX are inaccurate because they are duplicative. I only authorized 1 pull on my credit report.
2. 2 XXXX late payment marks are duplicative- they represent the same payment/lender agreement.
I have a medical bill from the bureau name Qual Ast Rec for the amount of {$890.00}. I don't recall this debt. I don't have the date but the age of the account is 4 years and 6 months.
I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/2017.
TSC Accounts Receivable Solutions attempts to collect on previously paid bills. They will even charge interest on top of the fake debt. They call repeatedly and send physical bills in what appears to double collect for the bill. They mumble the name of the company and refuse to give you any identification name. A supervisor is not available. They cut off any questions you have with an angry loud voice to intimidate you and push what they want.
My home received damages on XXXX/XXXX/16 ) The insurance company sent a check ( {$3500.00} ) made payable to me and the Nationstar. I sent the required documents to the mortgage company. Nationstar sent a check in the amount of {$880.00}, which does not cover the cost of materials. On XXXX XXXX, 2016, I requested additional monies ( {$660.00} ) that is needed to purchase the remaining floor materials. Total cost of the floor materials is {$1500.00}. On XXXX XXXX, 2016, my insurance company contacted Nationstar. Nationstar told the insurance adjuster the forms sent on XXXX XXXX, 2016 will be reviewed by XXXX XXXX, 2016. On XXXX XXXX, 2016, I called and was told that additional information was needed.I had to redo the entire packet. I stated that I was not. I faxed the document to them. I was told by Nationstar to buy the materials. I told them that my insurance company stated that I should not purchase any materials because that 's the purpose of the insurance check. I informed Nationstar that if additional information was needed, I was not contacted via mail nor phone. I have been calling weekly, I have requested to talk with the Dept. Head on numerous times to no avail. I have requested a telephone number to corporate office ; I was told there is no number. Also, Nationstar states that I have to pay for the inspections that they are requesting. I have asked for a copy of the policy stating this ; I have yet to receive it. Nationstar has been giving the the run-around for weeks. Thank you in advance for your help in resolving this matter. I have a loan modification.
XXXX  inc has listed collection accounts on my credit report.  XXXX  has not provided me with service details.  XXXX  inc is not licensed in the state of Florida to collect on debt.
Dear   XXXX   XXXX   XXXX   XXXX   : I have been an account holder since  2014    and during that time I have enjoyed my experience greatly I am writing to see if you would be willing to make a good will adjustment to your reporting to the  XXXX  credit agencies I ha ve two lat e payments on the above referenced account that date back to  2014 s ince that time I have been an exceptional customer paying every month on time.     Because of my exceptional payment history over the last  two  years. I would like you to consider removing the negative payments from my credit report. At the time of the late payment I was put on   XXXX   XXXX   my last month  of    XXXX   no pay. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that    XXXX   XXXX   XXXX   is willing to work with  me on erasing this mark from my credit reports.     I have been a very happy customer in the past and hope to continue a long relationship. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.   XXXX   has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why is heads above the rest. I look forward to your reply.      May  XXXX  pl ease remove all negative remarks off my credit report. In good faith.       Sincerely,
Green Tree Servicing LLC purchased my home loan from another lender in XXXX 2014. I have been making correct XXXX payments every month since the purchase but am now told somehow I am behind on my obligation ( the account was current and up to date prior to its 'acquisition ' by Green Tree ). My banking statements show the draft amounts and dates since XXXX XXXX, 2014. I have attempted to communicate my concern to Green Tree reps on numerous occasions but they seem to be stalling the resolution process.
On XXXX XXXX I personally mailed Experian a request to investigate XXXX negative accounts I had listed on my Experian credit report. On XXXX XXXX they mailed me a letter stating that they deemed my request as " not sent by me '' and that they were not going to complete the requested investigation. I contacted them by phone to explain that it was sent by and to request instructions on how to prove that it was sent by me. Their response was that I could n't prove it and all I could do was to resend the same request. I explained that if I resend the same request I will probably get the same denial. I sincerely feel that this is nothing more than a stall tactic on their part. They are not allowing me to dispute items on the credit report.
vendor charged me XXXX for the a service i did n't get. i tried talking to the vendor to reslove the case before i called wells fargo bank. i was advised it was going to be taken care of i gave he all the info they requested and a credit was issued to me. only to find out that it the credit was take a from my account a few months later, making my account negative.
Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX  XXXX XXXX XXXX to collect.