WillisBack/dataset-financial-user-claim huggingface dataset:
To whom it may concern, I writing this letter to dispute the inaccurate reporting on my credit report from XXXX XXXX XXXX ( XXXX XXXX ). According to my report # XXXX from Experian, pages 9-15 ( see attached ), there are consistent updates indicating that my account was in an ok status ( as in paid ) between the years of XX/XX/XXXX through XX/XX/XXXX always around the same time of year, between XX/XX/XXXX and the beginning of the following year. The items are also on my XXXX  bureau reported the exact same way. These items have already been updated and dropped from my XXXX bureau. 

The reason this creates a challenge for me, is because XX/XX/XXXX I was diagnosed with a XXXX XXXX condition called XXXX and less than one year later XX/XX/XXXX, I woke up XXXX in my XXXX XXXX because my XXXX XXXX overnight. Two weeks later, the same thing happen to my XXXX XXXX, woke to a XXXX XXXX. About a month or so later, I was diagnosed as legally XXXX and XXXX. At the time I went XXXX, I was enrolled in school and had to drop out due to my condition. In XX/XX/XXXX, I had my first XXXX XXXX XXXX and the second one in XX/XX/XXXX. During these years my family suffered a great hardship due to the lack of income as you can probably imagine and I was unable to make payments on my loans during that time. I currently still have XXXX in my XXXX and will continue to take XXXX  and XXXX XXXX in my XXXX for the rest of my life. 

So, its hard for me to imagine where I would have came up with the money to make one small payment on one loan, let along 12 payments across all the loans spread out every year near or around the exact same time, for a span 2 to 4 months, consistently. Considering I wasn't cleared to return to work until the beginning of XX/XX/XXXX and didn't actually find a job until XX/XX/XXXX. 

I understand the law says if you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due and never was brought current. However, this reporting appears to be an abuse of this very law. By this being reported as current at times when there was no way I could even pay, this will end up on my credit for another 4 years and at that time, this will have been on my credit for more than 10 years. This appears to be deliberate attempt to extend or reset the seven year plus 180 days rule for automatic removal from my credit, which in turns hurts me and my family even longer after going through a critical 5 year span in this decade already. 

I have gone through student loan consolidation, Im currently out of default and making normal payments on time. My wife and I have XXXX kids in college now and these closed collection accounts are negatively impacting my credit scores, thus prohibiting us from recovering and moving on with our life, supporting our children through college and qualifying for a mortgage. These items are reported are absolutely false and need to be removed.
Choice Recovery has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
The company called me and told me I was past due on my payment I made the payment on time but was never notify that my escrow account went up and was told by the company my escrow account should of never went up so they have put a XXXX day late on my credit for XX/XX/XXXX and XX/XX/XXXX I have asked them to be remove and it still has not been done yet.
Moneygram refused to refund me for the money that was NOT collected by my family over a year ago. I have n't gotten anything from then for almost 3 weeks of complain.
I had another person 's name, address, phone number, and 31 adverse accounts mixed in with my credit report dated XX/XX/XXXX. I disputed this incorrect information with both Transunion and the creditors by mail and numerous calls. I finally received a corrected credit report dated XX/XX/XXXX. During this time my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$5000.00}, ( XXXX   balance ) and my XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$2500.00} ( 0 balance ) were both closed. My XXXX XXXX Credit card, opened XX/XX/XXXX, credit limit {$10000.00}, has been drastically reduced to {$1400.00}. All of these good long standing credit accounts were affected due to the incorrect information received from Transunion. This has ruined my good credit and none of it was my fault!!!
hi my correct is FIRST NAME : XXXX LAST NAME IS : XXXX i do not have midle name XXXX i have been contact all credit bruea but they never correct the information can you help me to resolve this please thank you very much
TRANSUNION REFUSESE TO REMOVE STUDENT LOANS, NAVIENT # XXXX. XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX. FROM THE ADVERSE ACCOUNTS SECTION AND PLACING THEM IN SATISFACTORY ACCOUNTS AS REQUESTED IN MY DISPUTE. THESE ACCOUNTS ARE OVER SEVEN YEARS OLD. TRANSUNION INDICATES ON THE REPORT THAT ADVERSE INFORMATION TYPICALLY STAYS ON THE REPORT FOR SEVEN YEARS. TRANSUNION HAS ALSO REFUSED TO REMOVE A XXXX XXXX ACCOUNT # XXXX AND A XXXX ACCOUNT # XXXX. THEY WERE INCLUDED IN A CHAPTER XXXX BANKRUPTCEY DISCHARGGE. OTHER ACCOUNTS THAT WERE INCLUDED IN THE CHAPTER XXXX WERE REMOVED.
This debt should have been deleted from my credit years ago and once I tried to get verification that I owed them they couldn't show proof. 

Citi Financial Account # XXXX
I filed a dispute with Experian. I requested for Experian to remove XXXX accounts from XXXX. I knew they had to be fraudulent accounts or extremely old accounts in which I can ask for deletion from my Experian credit report, so I filed a dispute and Experian did not delete, they informed me they are my accounts. This has to be a mistake made. The accounts have date opened in XX/XX/XXXX for each account and I did not attend school during that period. I have been out of school since XX/XX/XXXX in which I can produce proof of this. Also, I did not receive any loans from this organization in my last few years of college I which I can produce documentation. I had no accounts during this period of XX/XX/XXXX. I am not aware of these accounts and never made any payments on the account ; so either these accounts are extremely in which at this time I can request for old accounts to be deleted from my credit report or XXXX XXXX is fraudulent reporting dates and amounts as well as payment history so they can keep on my credit report, which is fraudulent. Again, I am asking for the removal of the XXXX accounts from XXXX XXXX, account numbers XXXX, XXXX, XXXX, XXXX.
I have tried contacting them 3 times in one day to discuss a payment plan that is affordable to me and I was put through to 4 different people the first time then, as I was supposed to be transferred to someone else, I was transferred to take a survey then hung up on. The second time I was transferred to a second person who hung up on me. The third time I called I had the most help, not sure who I spoke with, but they were still not able to get me the answers I needed. The guy I spoke with just told me to call back in one week. He gave me a reason but it did n't make sense to me. I 'm just looking for someone to help me lower my payments to something I can afford.
Thank you for taking the time to hear our concerns. This is in regards to an elderly gentleman who has nothing. He is trying to sell his house and has NO equity, yet the servicer will not review him for any type of workout. We are having an issue with the Servicer of this mortgage. This house was listed prior to us coming into the picture and no offers were presented. It is a short sale. The list price of XXXX was far too high for the amount of work needed, but we came in to work with this gentleman, sent in a new listing agent and got an offer. We sent in the offer on XX/XX/2018. On XX/XX/XXXX, we were informed that the Investor was countering the Buyer at the amount of {$710000.00} which is the remaining balance of the loan. We sent SN Servicing Corporation several documents from the Listing Agent who included a letter explaining factors affecting the value of the property. We also sent them a copy of the MLS Sheet that detailed the listing history of the house. The house was initially listed at {$670000.00} with another Listing Agent earlier this year. It was on the market for 60 days and garnered NO OFFERS. Bare in mind that the first list price of {$670000.00} is less than the {$710000.00} counter and value that SN Servicing is insisting that the property is worth. 

The current Listing agent, XXXX XXXX, re-listed the house at {$270000.00} and even then, only one serious offer was garnered out of the house being on the market. 

SN Servicing corp wants the full value of the loan. Mr. XXXX does not have this money. He was not even given any options for loss mitigation. He has tried to work with SN Servicing for quite some time and they continue to just say no, that they want the full amount of the loan for the short sale and hell never get that.
In XX/XX/XXXX my wife and I did a mortgage modification with XXXX the payment of XXXX included principal, intreste, and the repayment of back taxes for 55 months. The loan was transferred to Nationstar mortgage who has now done an escrow reevaluation and are demanding I pay them XXXX starting XXXX. Our taxes and insurance will stay the same. I called Nationstar mortgage and asked to speak to a supervisior they kept me on hold 30 min then hung up on me. They are in violation of our modification with XXXX. My wife and I were in forclosure and had to file a bankruptcy this company Nationstar is being very unfair and illegal. This is causing my family much distress. By the way XXXX goes toward escrow each month x XXXX XXXX my taxes are only XXXX my homeowners insurance is XXXX per year the total for taxes and insurance are XXXX as you can see I have a positive amount of XXXX I hope someone at the CFPB is able to help our family in this stressful time thank you for your consideration.
I checked my credit report and midland funding llc are reporting I never had any dealings or a contract or service this is not my account
around late XXXX early XXXX of 2016 I XXXX XXXX attempted to obtain a pre-approval letter from wellsfargo home mortgage/bank in XXXX Georgia through a mr. XXXX XXXX XXXX the mortgage rep. at XXXX XXXX XXXX to begin the purchase process of a house that my wife and I had located in XXXX ga. XXXX XXXX XXXX XXXX. XXXX..since I could not produce the approval letter in a timely manner the seller chose to put someone else in the front of the purchase line, but said that we could still make a back up offer in case all others fell through ... XXXX had me to bring multiple documents on various occasions to help in hopes of getting pre approved among those was a {$410.00} postal money order, that was clearly marked as for appraisal fee money only. for which I was told would be required as part of receiving the approval letter from wellsfargo. after one day of submitting all requested documents, XXXX XXXX told my wife an I that we were denied the approval amount needed for the purchase of the house ; I then said no problem and requested any and all documents be returned to me, but was told that the money order was already deposited and that it would take XXXX7 days to get it back, after 10 days, I called XXXX back to inform him that I had n't received my money back, he then told me that it was suppose to take 30 days. it is now going on two months and I still have not received my money back. I have made several called complaints to wellsfargo with no results, I was told by the last wellsfargo home mortgage complaint rep. the it was in the mail minus {$11.00} supposedly for a credit check which I was never informed of or made aware of as the money order was specifically for an appraisal fee in the event i got approved to purchase the house. as of to date i have still not received my noney back and it 's going on two months. as a XXXX Veteran of the United States XXXX i find their treatment very disrespectful and harmful to XXXX. if possible any further information needed i would be happy to provide. wellsfargo in my opinion has committed bank fraud.
On XXXX XXXX, XXXX I bought 2 Economy Class XXXX XXXX Tickets from XXXX XXXX to XXXX XXXX and back for {$4300.00} from XXXX XXXX XXXX XXXX online travel agent. 
( COPY OF TICKET ATTACHED ). 

On XX/XX/XXXX, XXXX the same XXXX XXXX XXXX  sold me an upgrade for the same 2 ECONOMY tickets to PREMIUM ECONOMY for an ADDITIONAL {$1600.00}. ( COPY OF TICKET ATTACHED ). THESE UPGRADED tickets that were sold to me were VOID as XXXXXXXX XXXX has NO PREMIUM CLASS. I only discovered this on XX/XX/XXXX upon taking the first flight on this journey from XXXX. We were seated in ECONOMY CLASS for all 4 flights of this journey and we had bulkhead tickets, which are the worst Economy Class tickets on the plane with no leg room ( we are both tall! ). 

Immediately upon my return to the USA, I called this travel agent and asked for a refund, but this was without any success. I then took immediate steps to address in XX/XX/XXXX by reporting this to American Express and advised them that the goods and services were not received at all. 
To date I have not received a refund. American Express refused to assist me and advised me that I was late in filing a dispute, which is completely wrong since I filed the dispute the moment I was back from my trip and had addressed the travel agent. 
The " PREMIUM CLASS '' UPGRADE tickets are attached- dated XX/XX/XXXX ( for XX/XX/XXXX trip ) The first ( original ) tickets are also attached- dated XX/XX/XXXX The AIRLINE INFORMATION SHOWING NO PREMIUM CLASS is available on XXXX XXXXs is also attached.

PHOTOS of our ECONOMY CLASS BULKHEAD SEATS are attached to show that we never sat in Premium Economy and did not receive the service/seat that we paid for. 

We should not be charged for goods/services never received or that do not exist and ask for a REFUND of {$1600.00}. American Express is responsible to protect the consumer against false/scam sales or sales of goods/services that are never received. In this case, we were sold something that doesn't even exist!!!!
I was not approved for two loan modification requests. Chase would not accept the income from my tenants who payed me in cash, even though the tenants agreed to sign a notarized statement confirming the payments they made. 
CHASE also said I was not on the loan documentation, but I did sign the original loan documents ( not the line of credit ) and therefore I was not eligible for Modification help. 
Due to being ineligible for help, I listed my house for sale and sent CHASE the agreement to purchase and escrow papers on XX/XX/2018. I kept in touch with CHASE Representative, XXXX XXXX and informed her of the sale progress. 
XX/XX/2018- I receive a call from CHASE represantaive XXXX XXXX informing me CHASE is still researching my request for waived late fees on my loan due to their delays in processing the modification request. We discuss, as we had in past calls, that the house is in escrow, scheduled to close XX/XX/2018. 
XX/XX/3018- I receive a letter from CHASE thanking me for my request for a short sale. I NEVER requested an application or information pertaining to a short sale! I have equity in my house and would not qualify for a short sale! 
XX/XX/2018- I receive a second letter from CHASE stating they have filed a foreclosure and I owe them filing and attorney fees!!!! 
I have equity in my house, enough to cover my missed payments and they are starting a foreclosure on a house in escrow scheduled to close XX/XX/2018! 
I have borrowed money to do costly repairs to my house to assure escrow closes. I have removed asbestos, done septic inspection and pumping, scheduled termite repair and tentin/ fumigation. My tenants have moved, with the exception of two. 
I have started packing my belongings! Now CHASE is starting a foreclosure!!! I informed them of the sale and sent them the documentation! This is a blatant attempt to steal the equity in my home by charging attorney fees and a deceitful attempt to disrupt the sale of my home! 
Please stop these venomous acts towards a single Grandmother who has struggled and fought to stay in her house and once I was denied did everything in her power to sell the house and meet all the requirements to close the escrow in a timely manner. Do not let CHASE destroy the escrow process by foreclosing on a house in escrow!
I have an American Express Serve card this the 4th time I have had an issue with my receiving my money. XX/XX/2018 I couldn't receive my income taxes because there is always with the system. In XX/XX/2018 my DD was late they shut the phones off so customer couldn't get through. On XX/XX/2018 while on vacation in Tennessee I didn't have access to my account for 2 hours and now on today XX/XX/2018 I have called 5 times about why I have received my direct deposit I was given the run around. I couldn't pay my bills that were due today and now my phone will be off tomorrow and I don't have any food this is ridiculous. I opened an account at real bank I just need my money.
Well I call many times, trying to speak to them about the account always get the operator and they only take payment no way to speak to anyone its setup like a fraud account always ask for your ss # but want let speak to anyone just take a payment tells you there hours of open but never can u speak to anyone just the automated system
in fact, I opened an online account at the bank group : national city bank group. my account was only visible for two months then nothing. I have addressed correspondences still no solution to my problem.
In the first week XX/XX/XXXX, a representative from XXXX phone me and advised that my insurance policy was schedule to be re-new beginning XX/XX/XXXX and there be an increase in my premium because I had a small auto accident within the past year. She quoted me a price of maybe a {$25.00} a month increase. At that time I also informed her that I would be moving from XXXX into the city XXXX XX/XX/XXXX. She quoted me a price of {$450.00} to be insured in the city and I immediately told her to cancel any further service at that time. I went on vacation XX/XX/XXXX after moving into my new resident. I made a lot of debit and credit card transactions and did n't realized that XXXX Insurance company had charged me a premium XX/XX/XXXX after I cancelled their service. The next month while checking my account, I discovered that they had taken another payment out XX/XX/XXXX and I immediately notified my bank and filed for reimbursement after I talked to XXXX by phone. They agreed by checking the initial conversation entered into the system that I cancelled the policy and that the representative did not enter the appropriated information into their system to stop payment proceedings. They agreed to refund my payments. I choose to go through my bank and pay the fees instead of waiting for XXXX. XX/XX/XXXX I received a letter from XXXX insurance that I owed them {$470.00}. I called them immediately and I was told XXXX to emailed documentation that I was insured XX/XX/XXXX which I did. Last month ( XX/XX/XXXX ), I received a phone call from a collection agency stating that they were representing XXXX and that I owe them {$470.00} and did I want to dispute the charge. " I said yes '' I thought the matter was resolved. I checked my credit report yesterday and XXXX has this charge reported as in collection. It 's unfortunate that companies like this think that it 's ok to collect or banger the public for monies they did n't earn. From my understanding and my initial phone conversation with the XXXX XXXX, it was understood and determined per her records that I did indeed cancel my coverage with them in due time.
On XX/XX/XXXX, I spoke with a member from HUD. She provided me with a deeper insight on what has been going on with Chase and my mortgage. I informed her of all the background including the trial payment plan that I completed back in XXXX, Chase informing me that I need to get 3 payments behind before they can help me, and the false loan modification approval they gave me a few years back. Her response shocked me. Chase told me that HUD placed a terminal denial on my file and that it is was not done by Chase. Unfortunately, this statement by Chase is a complete lie. According to HUD, Chase was not servicing the loan properly according to HUD guidelines and because of that, HUD was not going to give Chase any money for a claim on my property at XXXX XXXX XXXX XXXX XXXX GA XXXX. Therefore, because of that, Chase decided they will not help me out in any regard. This is unfair to me. I done what was required of me by Chase. When I called, I was told so many different things including reapply when my situation changes. I never heard anything different until a few weeks ago where Chase said in XXXX a terminal denial was placed on my account. But if that is the case, they why did they process my loan application in early XXXX. It is apparent that Chase has goofed again, and now they are trying to throw me under the bus again.
On XX/XX/2018 we purchased a piece of furniture from XXXX XXXX XXXX in XXXX, NV. We were told it could be delivered to our residence. They had us apply for a credit card through Synchrony Bank to receive 0 % financing. We have gotten notices that it would be delivered. It has not been delivered and yet we can not cancel the order or the card. We have tried to contact the store, to no avail and the corporate office with no help! Consumer Fraud! Please help. The amount for the purchase is {$1400.00}.
wehave contacted on 3 occasions; XX/XX/XXXX,XX/XX/XXXX, and ,XX/XX/XXXX(certified letter) of XX/XX/XXXX sent corrections in for fraudulent debt to equifax(XXXX XXXX, and XXXX have cleared these debtsand have provided reports when requested)) . i have requested updated complete credit reports, but they have refused to send the updated reports so we would know what to fix next. all we got was a 1 page letter with acknowledgement of contestation with notation stated either deleting debt, or investigating debt but it dosen't state which debt
Our problems began with our mortgage company from day one with the deed .My wife 's name has never been on the deed but the company kept saying it was and that they would send us proof. Proof never arrived and we had to pay a lawyer XXXX dollars just to verify that we were correct. 
Next our payment for XXXX of this year was sent out in XXXX but got lost in mail during the massive flooding in Texas ( The payments have always been tracked through priority mail, just as this XXXX was and proof can be furbished ) .To correct the lost payment we sent BOTH XXXX and XXXX payments in XXXX check together with copies of the tracking info and stated that we cancelled the check that got lost in the mail during the weather issues in Texas . When the payment was processed their processing department misprocessed the payment and only payed the XXXX portion and put the XXXX potion toward our escrow. They also made a payment amount error there because our XXXX payment was lower than the increased payment that started in XXXX. We fought with them for days before we finally got someone to actually look at our payments and admit they made the error, they then told us it was our problem to fix. How in the XXXX am I suppose to go to their processing department and fix their mistake? We sent our payment this is not OUR problem to fix, IT IS THEIRS TO FIX. 
Furthermore in the middle of XXXX our XXXX payment, Which we told them in writing was cancelled, arrived. They proceeded to try and cash the check they were informed was cancelled and then have since tried to send our account to collections. They have also charged us unwarranted late fees due to both the error they made processing our XX/XX/XXXX/XX/XX/XXXX payment as well as charged us a late payment for the check that we proved got lost due to weather in XXXX. 
We have all our records and provide proof that our payments are all up to date, including the extra XXXX a month we pay to get our escrow sorted out. We are not sure what you will actually need from us but we will be able to provide any statements and proof of payments needed.