WillisBack/dataset-financial-user-claim huggingface dataset:
I have requested verification/validation of the debt or removal twice. Once I requested the informati on Direct Management colle ction agency letter back to me saying they did not believe it was me so they would not respond or verify. So, I sent another letter requesting the same information and got it notarized to prove that it was me requesting information with my signature on it and stamped by a notary. But, they still sent the same response back to me by refusing to verify/validate by saying they do not think I am the person requesting the information. I felt me getting my letter notarized would definitely prove to them that I am the one who is writing a letter requesting information.
Equifax will not remove my ga state paid tax lien from XX/XX/XXXX. It 's been 7 yrs and it should come off. All other credit agency 's removed it with no hesitation.
This property has sat unoccupied and without maintenance by the Owner/Property Manager for over two years. The Association has had to take over landscape maintenance and spend countless hours trying to contact the property manager asking them to maintain the property to little/no avail. The Association has incurred a staggering dollar amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have also stated that the lack of upkeep of this property has negatively impacted the value of their property.
I informed Chase Credit Card Services that Im going through hardship and that I can only make payment for the amount of {$50.00} per month Chase did not wanted to the {$50.00} dollars per month They want to close the account. 

And due to the payment situation Chase have reported late payments to the Credit Bureaus I have been Chase Customer for many many years Thank you XXXX XXXX XXXX XXXX
I have an account with Conn 's appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/2018 I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XX/XX/XXXX payment and bring my account current in XX/XX/XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me.
Received a letter from Media Collections inc XXXX XXXX XXXX XXXX XXXX addressed with just my last name. And XXXX XXXX XXXX. They requested an online payment for some unspecified debt. I called the XXXX XXXX XXXX and they confirmed I do not owe them a debt, they have never submitted a debt to a collection agency, and do not use this collection agency. There is no record of a debt.
My wife and I initiated a refinance through our existing mortgage lender, Pacific Union Financial. We started the refinance process with plenty of time for the loan to close prior to a 30 day late. We have never experienced a 30 day late in all of our years as homeowners. We were assured by the loan consultant that our loan would close/fund within 30 days. Although we signed all loan documents on XXXX XXXX ( with plenty of time for the loan to close/fund prior to end of month ), the loan did not close until XXXX XXXX, 2015. I have documentation in writing ( e-mail from escrow office to loan consultant ) explaining that a mistake was made in terms of the payoff amount and this caused a delay in closing our loan. Nevertheless, Pacific Union Financial reported my wife and I to the national credit agencies as being more than 30 days late in our mortgage payment resulting in a severe impact to our credit rating. I wrote a letter to Pacific Union Financial on XXXX XXXX, 2015 but was surprised to receive a response on XXXX XXXX stating that they were denying our request to correct this issue. This was an irresponsible reaction given that the mortgage lender was provided with the written documentation clearly showing that a mistake was made in the processing of our refinance.
My wife and I have been negatively impacted significantly by PNC bank erroneous reports. They have reported three times that I was late on my payments or missed payments. This is absolutely false. I 've actually made extra payments more than required to avoid any issues. I have never been late once by a day nor have I ever missed a payment. I 've called PNC to dispute these reports, however they stated that they do n't discuss these issues with their customers.
This is a continued complaint from CFPB case # XXXX. 
I was offered a loan Modification by my loan servicing company in XX/XX/XXXX. I happily agreed to the modification terms and have been in good standing ever since. I recently decided to list my home for sale and I found that the second mortgage lien had never been removed from my property. I contact my loan servicing company ( Ocwen Mortgage Loan Servicing ) and asked why it had not be taken care of during the modification process. They told me that they had nothing to do with a second mortgage and that is why it was not a part of the modification. I told them that it is a part of the modification process to address second mortgages ( the first and second belong to the same company - XXXX and were serviced by the same servicing company Litton Loan Servicing ). They did some digging into the file and they found the charged off loan. I was then told that it belonged to a collection agency by the name of XXXX. I called XXXX and they stated that it was a unenforceable debt and that it is now in the name of Ocwen. They said that it was given to them when they took over servicing for Litton Loan Servicing. I then sent Ocwen a QWR for information on both the XXXX and XXXX mortgage. Now Ocwen is telling me that XXXX as trustee for XXXX is the owner of this lien and they provided ( through a QWR ) the contact information of XXXX, XXXX, IL XXXX with a phone number of XXXX. They state that they are servicing the discharge loan for XXXX. I have attempted to reach XXXX with this information and the contact information is incorrect. I bank with XXXX Bank and have asked for their assistance with this matter but have not received any information at this time. It is my belief that XXXX served as the trustee for XXXX while they were in Bankruptcy ( XXXX BK case # XXXX ). This case was finalized by the Bankruptcy XXXX XXXX in XX/XX/XXXX. Now Ocwen 's Attorney are telling my Attorney that they want to collect the full balance of the loan. I feel that they have deceived me with the promise of a modified loan and now that the market has changed and the market value of my home has increased they are trying to collect moneys for a XXXX debt that I was told by the previous servicer was being removed. I need your assistance with this matter. Ocwen is once again creating hardship for a home owner with their unfair practices.
US Bank - Bait and Switch. I responded to a web based offer, offering free XXXX XXXX points with a " bonus award nights '' promotion, if I signed up for a US Bank XXXX XXXX XXXX card. The company would offer XXXX XXXX hotel points to sign up for the card, pay a {$75.00} annual fee, and spend {$2500.00} on the card within XXXX months. As part of this bonus, one can use the points to book hotel rooms through XXXX XXXX, and if one books XXXX or more nights in a row, the last night is Free. This is a significant offer and the primary reason I signed up. ( A friend of mine did the same ). After signing up, I received the card in the mail with the rewards program details ( see attached ). I received this XX/XX/XXXX. When I called to activate my card, I asked about the rewards program and was told that the bonus award night promotion was ending effective XX/XX/XXXX. I was quite perturbed and felt misled, however, when I told the US Bank representative ( her name is XXXX ), after conferring with her manager, she told me that because I had just signed up for the card, the bonus award night promotion was being extended until XX/XX/XXXX. I made her confirm that this was indeed the case, prior to activating my card, which she did. Since she confirmed, I activated the card. Today, XXXX XXXX, I called in to attempt to use some award points to book a hotel room and was unable to utilize the bonus night promotion. When I called US Bank they told me that the program ended on XX/XX/XXXX for everybody - no exceptions. I spoke to multiple customer service reps to inquire as to why I was misled when I was activating my card. None of the customer service reps would not let me speak to XXXX or her manager, despite multiple attempts. I let them know I would be filing with the NC Attorney General, and they tried to " bribe '' me with XXXX bonus points. I did not take this, and told them to close my account and refund the {$75.00} annual fee. I feel that US Bank blatantly lied to me in an attempt to gain me as a credit card holder to pay a {$75.00} annual fee and spend money on their card. I would sincerely appreciate the NC Attorney General 's office looking into this matter. Their are many reports online of people having similar issues with US Bank, specifically as it pertains to their XXXX XXXX program. Thank-you. - XXXX
On XX/XX/XXXX I applied for the XXXX XXXX XXXX XXXX XXXX XXXX credit card backed by Commerce Bank. My XXXX credit file was then hard pulled three ( 3 ) times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I recently filed a complaint about American Express failing to accurately report my credit history. They state the account was transferred to XXXX ; therefore, I need to contact them about the problem. XXXX has clearly stated that American Express is responsible for accurately reporting the credit history while I was a member with them. This issue predates XXXX purchasing the account. So clearly American Express needs to resolve this issue. Please refer to the original complaint.
I received letters from the risk management dept of Wells Fargo telling me they were closing all my accounts. my 2 business accounts, my business savings, my 2 business lines of credit, my 2 personal accounts, my personal savings, my personal credit card, my personal line of credit, ALL my accounts. I have been a loyal customer of Wells Fargo for 34 years and all my accounts were in good standing. I thought this had to be a mistake so I spent endless hours on the phone talking to supervisor after supervisor seeking higher authority asking them to please correct this or give me an explanation. No matter who I spoke with all they said was it was a business decision and they don't have to give me a reason. This caused me thousands of dollars of my time and has caused me so much stress trying to seek answers and spending endless hours on the phone and searching for a new banking institution, setting up all my account, bill pay, ACH withdrawels, etc. My business is complex and this caused me at least 2 months of my time and the stress has been overwhelming. I even went in to the local branch and the manager could not give me any answers as they have no authority and I suppose if they stuck their neck out too far they would get fired. Wells Fargo is a Dirty bank that abuses their customers because they can get away with it. This has affected my credit score because of them closing my credit card and credit lines. I owe a balance on 2 of my business lines of credit totaling {$150000.00} and they are telling me because they are closed I need to pay them in full and they can not restructure them into a simple interest loan. They turned me over to their small business collections and offered me to pay 60 % of the loan and they would write it the rest off but it would affect my credit score. I can not come up with that kind of money nor do I want to harm my credit score. They have put me in difficult position along with the many hours, money and stress that comes with it. Last month I saw a few articles regarding Wells Fargo closing peoples accounts that shouldn't have been closed. A year ago we refinanced a home though a broker and Wells Fargo bought the mortgage. This last XX/XX/XXXX we moved and bought a home and Wells Fargo bought that mortgage so we are good enough for them to buy our mortgages but they cancel all my other accounts? This company needs to be accountable for their actions. I have attached some of the letters I received from them cancelling our accounts. Thank you, XXXX XXXX
Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
I am before the va appeal process on a debt of overpayment. The us treasury has hired a cbe debt collection agency ( twice ). The first took my federal taxes last year and now this agency is threatening me with wage garnishment. 

I have spoken with a lady at the va appeal board by phone and says they can not do this, it is harrassment and i have told them this. 

yet they still harass me and now want to attach my wages. 

I want this stopped and my last year taxes reimbursed due to illeagally obtainment.
I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck
Thank you for using the XXXX Online Complaint System. 
Your complaint has been assigned case # XXXX. 
Correspondence regarding this complaint will be emailed to : XXXXXXXXXXXX print a copy of this for your records. 

Filed on : XXXX XXXX XXXX by : XXXX XXXX XXXX XXXX XXXX CA XXXX against : TD Auto FinanceGiving me the run around and not processing my pay Payoff. XXXX XXXX 2015 I called TD Auto Finance to inquire about my balance on my XXXX XXXX XXXX. Account number XXXX They gave me the amount. I got a check from Credit Union ( XXXX XXXX ), I called TD Auto Finance back on Friday XXXX XXXX 2015 to get the proper address for express mailing Auto pay off. I mailed the check and preceded to call back on Friday XXXX to see when the title is going to be released, I was informed that my regular monthly payment is past due, I said how is that when I just paid off my loan. The agent put me on hold and then came back to the phone and said the check will be returned, because it was not signed but it was signed and it was made out to TD auto finance and my husband with my account number on the check. I asked the lady why did n't any one call me or let me know? She could n't answer me, I was in shock what if I had not called? The agent was very rude she hung the phone up on me. I called back on Wednesday XXXX XXXX and the same thing your account is past due, I said I sent a check to payoff my account and you said its gon na be sent back for signature. I was told that the check is now going to be sent to my credit union and If I do n't make my payment by XXXX XXXX I will accrue more interest. Since the XXXX of XXXX I have been trying to settle this matter. 
I want them to find the check and close my account for the amount first quoted to me. And I will never ever purchase another XXXX vehicle from them again. My husband and I have been loyal customers for years but this was the last straw. This was the XXXX time we have been burned by this company.
PINNACLE CREDIT SERVICES, This collection company contacted me and reported to the credit reporting agencies without a collection License in the State of XXXX?? I Got on the state of XXXX web siteand they were not licensed in XXXX. Therefor I contacted the state of XXXX. I want all collections from this company removed off my credit reports.
With all payments current at the time ( XXXX our current mortgage company XXXX XXXX XXXX took {$49000.00} in mortgage payments and decided to move it to other and as of that point we were indtsntly 3 yrs behind on our mortgage then they flipped our mortgage to Nation star who as we all know at that time was a collection agency under XXXX XXXX XXXX since XXXX in court papers we were being foreclose on by XXXX XXXX n Nation star all our dealings with the foreclosure were always directed to Nation star who refuse to deal with us in any manner saying I was not XXXX of the owners and to this day I never had an act with Nation star so how did the manage to get a deed in XXXX ( XXXX ) without ever having a note transfered by law the last recorded legal deed was by my original loaner XXXX witch Nation star kindly sent me a copy of in my foreclosure packet I want my home back no refinance the broke every law in the book and should be punished according shut them down from ever doing this to any more Americans
I contacted Capital One on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with Capital One that I want to keep.
In XXXX XXXX, I could no longer pay my XXXX. In XXXX XXXX, started process towardsshort sales. In XXXX XXXX signed a contract and closedthe short sale on XXXX XXXX, XXXX. Both mortgageswere satisfied at the closing on XXXX XXXX, XXXX. 
( see attached HUD ) Since the closing, I have receivedendless harassing phone calls and constant collectionnotices from Chase Mortgage, as well as, outsideagencies. ( see attached notices from XXXX throughpresent ) There were probably prior collection lettersbut it was only after pulling my credit in XXXX XXXX ( see attached XXXX credit reports verifying paid account ) and verifying that account was satisfied, that I startedkeeping the notices. Some collection notices weresent XXXX overnight with a return overnight envelopeto make a payment. ( those are attached to the letters ) As a financial housing counselor, I found this behaviorto be harassing, degrading, unprofessional, andunethical practices that lead to the violating of theFair Debt Collection Act, as well as, the Fair CreditReporting Act.
Company was contacted in XXXX of 2017 about validation of account. After 30 days letter came in the mail without validation that was requested stating that they were disputing my claim but still has not validated. Company refuses to remove their reporting to all 3 credit bureaus also, even though they were unable to validate.
I have requested XXXX Equifax supply me with documentation of their verification of the Bankruptcy on my credit file. XXXX Credit Bureau and Equifax Credit Bureau need to provide me with copies of all documentation associated with this Bankruptcy account bearing either a court order to place this information on my credit report or my authorization bearing my signature. This is the third time I have asked for said documentation from XXXX and Equifax. As of today XXXX/XXXX/2017, I have received nothing from XXXX or Equifax. <P/>Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau.
I purchased XXXX dollars worth of ethereum prior to having my account closed by coinbase.com. I have been locked out of my account and am unable to recover my funds. It has been weeks since I have heard from customer support, and when they did respond it was n't related to the funds.
The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a XXXX, because I refused to allow someone else to cheat me?? <P/>
I just finished a call with Experian. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.