WillisBack/dataset-financial-user-claim huggingface dataset:
I Received Notification That Experian Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My Experian Credit Report Is Still Showing My Debt As {$4800.00} And This Is Not Correct. And The Credit Reporting Agency Should Know, That The Balance is Zero.
To whom it may concern, I had a late payment at Kohls in XX/XX/2017, they took away the late fee but I have called several times and they give me the run around and say they cant change it! It is my only late payment and the reason was because I moved and changed jobs. So I never got the bill or the email. I am a very responsible person and the bill was like XXXX When they finally reached me by phone it was to late. I am very frustrated and will not shop at kohls anymore. There must be something I can do. I was also given a credit bureau address from the corporate office at Kohls I wrote them but not sure what information I should have sent but it has been a couple months with no change on my credit report. Please help me!
I have had student loans with Navient for many years. When I applied for the Public Service Loan Forgiveness program they said that the school I worked at qualified but not the current loan I was in. I have requested Income Drive Repayment Loans for years but was denied.
From XXXX to XXXX, Navy Federal Credit Union threatened me with hundreds of letters, phone calls to relatives, robo phone calls at XXXX, kept seizing my assets in savings and checking account in order to make me a member " not in good standing '', threats to my commanding officer, and countless other tactics that caused emotional distress while trying to study for new career after serving in the military. I kept NavyFCU informed of my income status and made payment arangements. I even would deposit more than minimum required. Harassment got worse and worse despite being a customer since XXXX, and having several paid in full accounts including auto and signature loans fully satisfied with never a late payment prior to XXXX. Every letter said that it would be impossible to establish credit again. All accounts charged off after impossible payments were demanded. I was never litigated against, my car secured by loan was never seized. I doubled my payments ( even though I was n't financial able ) in order show that I was trying, but I was treated like a criminal.
This is my third attempt in trying to resolve a car title loan issue. In speaking with XXXX back in XXXX about the loss of my job, they modified the loan only I as I told them on the phone, I had no income and but was asked to pay {$1200.00} more dollars anyway. I have now paid a total of {$1800.00} on this loan and I can not come up with the remaining {$400.00}. Im asking XXXX to please forgive the remaining {$400.00} and allow me to have my car title returned as this is our only form of transportation. I paid {$800.00} of what they were asking. I am still unemployed and on welfare right now. I need this car to find work and get my kids around. I had no idea I would lose my job and it put me in this situation
This is my third and final time requesting validity of this debt. Please note that I had previously filed complaint no.s XXXX and XXXX. 

Both times requested validity of the debt and have yet to receive the requested info meaning this company is in clear violation of the Fair Debt Collection Practices Act and this erroneous collection account needs to be removed from my credit report ASAP. I never received anything via mail or phone call from This company. I just keep getting a XXXX response that there were 42 months remaining in my contact which is not true at all, especially since I cancelled services less than a year into having XXXX as law enforcement showed up at the wrong address on several occasions when the alarm was triggered. 

What baffles me the most about this company is the fact they they either a ) dont know or b ) dont care that the consumer complaints and company responses are being monitored by fraud investigators and attorneys. VALIDATE THE DEBT OR REMOVE IT This company is in clear violation and needs to be investigated thoroughly
HELLO, RE ; CARRINGTON MORTGAGE - LOAN # XXXXI AM SEEKING YOUR HELP DUE TO THE FACT THAT IT IS OVER 3 YEARS TRYING TO GET HELP TO MODIFY MY MORTGAGE IN ORDER FOR ME TO AVOID FORECLOSURE. IN XX/XX/XXXX I WAS PLACED UNDER REVIEW FOR THE FHA HAMP PROGRAM, IT TOOK 1.5 YEARS TO FINALLY GET APPROVED. AFTER I WAS SET ON A 3 MONTH TRIAL PAYMENT OF A REDUCED MMONTHLY PAYMENT. MY LOAN WAS SOLD TO CARRINGTON MORTGAGE, NOW AS OF XX/XX/XXXX CARRINGTON MORTGAGE REFUSE TO CONTINUE HONOR THE PREVIOUS LOAN MODIFICATION AGREEMENT AND THEY MADE ME RE APPLY ALL OVER AGAIN. 

AFTER 10 MONTHS UNDER REVIEW REQUESTING FOR THE SAME DOCUMENTS OVER AND OVER AGAIN, I FINALLY GOT ASSIGNED TO A NEGOTIATOR. NOW THE CURRENT NEGOTIATOR TOLD ME THAT IT IS NOT ON THE BEST INTEREST OF THE INVESTOR TO HELP ME KEEP MY HOME AND BECAUSE I AM CURRENTLY SEPARATED THE INVESTOR HAS THE RIGHT TO REFUSE TO MODIFY MY LOAN. 

PLEASE HELP SINCE MY LOAN WAS PREVIOUSLY APPROVED FOR A TRIAL PAYMENT UNDER A GOVERNMENT LOAN MODIFICATION AND IT IS NOT FAIR THAT BECAUSE CARRINGTON DOESNT LIKE MY HARDSHIP I WILL HAVE LOOSE MY PROPERTY. 

PLEASE HELP, MY FAMILY AND I WILL NOT HAVE NO PLACE TO LIVE IF CARRINGTON TAKES AWAY OUR HOME. 


XXXX XXXX
This account is reported late payment on all my credit bureaus I paid this car on time never late for 2 years.i then only had 2 payments left which was about {$850.00} I traded the car in with the same dealership I got the car from and was told the check toward the credit company United Acceptance will be sent next day and paid off. I signed for a new vehicle and drove off. I called every few. Days to make sure everything was paid off and was told it will be handled that day.. 2 weeks went by and was told it was sent off ... I later found out I had a late payment on my credit report .. I have tried to dispute this for a year now. This is not my fault I believe!! I even told the dealer and they said you can easily dispute this As you see on attached file, it was closed " PAID '' off in XXXX so it only makes sense of my issue I also need this to state PAID NOT CLOSED!!! I paid 2 years to pay this account off
My business Merchant account is setup without my intention and fee is charged in ACH withdrawal every month from my business account. I have never / am not using any equipment or services from this account from Santandard bank and XXXX XXXX XXXX. 
Sales Rep XXXX XXXX XXXX from Santandard bank located at XXXX XXXX XXXX NJ tried to sell me Merchant Services for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2016 and I did not agree until I get it on paper and send me so I can review the agreement. She filled up all agreement documents and signed my name on documents and sent me all final documents. I never signed or authorized any person on my behalf to sign those papers. Even my name is incorrect and my signatures are incorrect on all agreement documents which can be verified. 
In last 6 months I have tried several times to reach Santadard bank representative to discuss matter but she never picked up my phone. I contacted XXXX XXXX XXXX to resolve this issue but never got any reply from them. 
I would like to have a lawful action on XXXX XXXX XX/XX/XXXX to do forgery and damages to my business. 
There are XXXX documents to be attached with this complaint.
I received a letter from a company named Transworld Systems Inc, who I believed took over accounts from XXXX. I have paid and settled this account with XXXX Transworld is not researching my previous account to show payment was made and account closed.
I 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed. See my disputes below : XXXX XXXX balance : XXXX and XXXX $ XXXX/Equifax {$20000.00} ; late payments : alleged late on XX/XX/XXXX is reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX XXXX has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account since XX/XX/XXXX on the first and XX/XX/XXXX on the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years! XXXX XXXX XXXX I paid on time XX/XX/XXXX and XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof
I have made multiple complaints to Experian stating I was disputing a Bankruptcy on my record. I provided a letter that I received from the U.S. Bankruptcy Court stating that they do not verify information with credit bureaus. I have also included a letter from the same public record vendor that Experian said they used in the response to XXXX. Once again, this proves that Experian has failed to follow 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 ). My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian Credit Bureau has never validated or  verified these public record entries on my credit report, neither will they ever be by them. I have given Experian multiple attempts to follow the laws and even called them so I could discuss this with an actual person. The Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature.
I had a XXXX master card. I got this card initially in XXXX and it was serviced by XXXX. XXXX sold their XXXX XXXX master card portfolio to Capital One in the beginning of XXXX ( I think? ), then in XXXX this XXXX portfolio was purchased again by XXXX in XXXX of XXXX. The problem I am encountering is actually submitting the credit dispute with Capital One, because they do n't have my information and when I call the current servicer/owner of the XXXX portfolio, XXXX, they tell me they can not help me because the account was transferred to them in a " closed '' status and because capital one is the one reporting me I have to dispute it with them. They advised me that Capital One did n't send all the information they should have when they obtained the portfolio. They can give me general information, but not any information for me I need. I asked them if they could send me my statements from when Capital One serviced the account because when the card was opened I got statements from capital one electronically which was just an email from them saying, '' hey just log in online. '' Which helps me zero. All of those emails I got wont help because I cant access the links included in them because again the portfolio was sold. 
Honestly this is not fair, because my credit is being impacted and I am trying to prepare to purchase a home. 
I am trying to dispute XXXX, XXXX and XXXX reporting from Capital One for this card. They reported to the bureaus that I was late 30 days for XXXX, and 60 days past due for XXXX and XXXX. This was all caused because of an annual fee. This annual fee of roughly around {$50.00} reopened the XXXX capital one account AFTER it was supposed to closed. 
This was a system error that Capital One eventually took ownership of and they credited back the charge and closed the account. This happened in XXXX but the reporting to the bureaus remained. Which is XXXX item I wanted to dispute. 
I also wanted to dispute the account reporting in XXXX of XXXX. Which on my report shows that it was 90 days delinquent. Again this was NOT correct and is relevant to the above XXXX to XXXX dispute because Capital One sold and transferred the account in XXXX to a collection agency. Whom I paid in full. 
The problem with that is that i have confirmation emails of making payments in XXXX, through XXXX. So how could I be 90 days past due? Why was I ever transferred to a collection agency in XXXX after making monthly payments each month? 
Thankfully I signed up for automatic emails during this time confirming my payments each month but the sheer lack of process from both XXXX and Capital One to get this process finished has honestly been nothing but frustrating. RESPA prevents this from happening in mortgage servicing, but apparently if a credit cards are purchased between banks or financial institutions it does n't matter how the consumer is treated. 
I will attach the payment emails I have received in XXXX for XXXX, XXXX and XXXX. and the credit report I disputed. XXXX was able to remove similar occurrences that happened in XXXX. When XXXX transferred the XXXX XXXX portfolio to Capital One.
I sent my item and never got my payment. I 've waited 2 months and my payment never was received I 've been robbed!
Misapplied mortgage payments ( erroneous payment processing ) and improper credit reporting. My payment is showing over 6 months overdue and Suntrust has reported this information to the credit bureaus. 

Suntrust is the 2nd mortgage on my home. Suntrust sold/transferred the first to another processor years ago. In XXXX, Suntrust placed insurance on my home since they no longer maintained this information. Once lender-placed insurance was forced upon my account ( XX/XX/XXXX ), my monthly payments were no longer being applied to the mortgage. Money was put into a suspense account and my escrow showed a shortage in the amount of the insurance premium. 


On XX/XX/XXXX, I spoke with Insurance dept. where a young lady called XXXX, confirmed insurance has been in place. Within a week I received a " Lender placed insurance cancellation notice. '' On XX/XX/XXXX I opened a dispute with Suntrust 's Credit Bureau Dispute Dept ( Case number XXXX ) On XX/XX/XXXX, Suntrust sends a check of {$680.00} stating these funds were insufficient to bring my loan current and {$2400.00} is outstanding. Suntrust imposed fees and charges while showing 6 prior months of payments are unpaid. Eight payments totaling {$2500.00} of the 10 I've made since last XX/XX/XXXX remain unaccounted for. 

Finally, on XX/XX/XXXX I called and spoke with XXXX ( XXXX ). She asked if I was calling to make the {$2400.00} payment. I said XXXX no Im not calling to make a payment. She then argued with me about " watching my language '' and using profanity. Once I said I was now recording the call and she said she was hanging up. I asked for a Supervisor and she said none was available and she was hanging up. I then asked for XXXX XXXX and she disconnected the call. Suntrust is not doing their job nor making any legitimate attempt to resolve this. My credit has been negatively impacted and my level of frustration and annoyance with Suntrust is beyond exhaustive limits.
I have been trying to sell my home in a short sale with SLS. I have hired a listing agent as well as an attorney to facilitate this. I was informed that we have a solid offer on the property and it was sent to SLS for review and approval. Despite SLS confirming that they have all of the requested documents, they are not acting in good faith and continuing with the sale date. I have complied with absolutely every request and I can not understand why they are refusing to help me. I am in poor health and am trying to avoid the embarrassment of an auction. Please help me to sell this home in a short sale so I can leave with some dignity.
Transunion had a glitch in their system that added back inquires that were deleted without notifying me prior to them being added back.
These are inquiries from XX/XX/XXXX through XX/XX/XXXX.
Without proper notification within 5 days, these non- account bearing inquiries should be deleted immediately from my credit report.
XX/XX/2018 @ XXXX @ XXXX @ XXXX I am on the do not call registry and when I spoke to the person theyre playing a hunting game for people with my same last name. Scary part is they called everyone in my family like theyre getting information from XXXX. Our family does not know the persons theyre asking for and somehow they have all our cell phone numbers playing a hunting game. Im sure whoever the person is theyre doing a witch hunt just with people with similar last names. I would like to know what are their tactics to even get sell phone numbers of random people but it was my whole household cell numbers. I told them I dont appreciate their witch hunt and they should only be contacting the person references not calling random people with the last name. I repeatedly told them to remove me but they kept calling and its not an automated message its an actual person. 

Company is Skopos Financial phone number is XXXX
I have attached a letter of deletion from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I have previously sent to Transunion and yet the collection entry still exist on my credit report with them. Please remove the collection entry. I also am diputing the different variations of my name. I am only and have only been known as XXXX XXXX XXXX. Please delete the other variations. Also, I have never ever worked at XXXX XXXX XXXX
I called Avant credit today, XXXX/XXXX/15 and was told to speak with debt management. I was transferred to them and the woman hung up on me and did not follow up. 

I am concerned about this company.
Ditech purchased our loan XXXX XXXX. All our payments have been timely and correct until XXXX error on our part in XXXX XXXX ( reversed XXXX digits in payment for XXXX, having paid {$2300.00} instead of {$2800.00} ), which we corrected in XXXX, paying the shortfall. Ditech has continued making errors and are grossly negligent and fraudulent in allocating our payments since that time. They now show we are 3 months behind when we have paid in full. 
We have communicated with them since XXXX/XXXX/XXXX with XXXX email message, XXXX phone call conversations and a written letter over the past 56 days and still have no resolution. We are appalled at the negligent handling of customer service issues by Ditech. We are concerned that their continued incompetent handling of their errors will affect our credit score and that Ditech will attempt to foreclose on our home based on their incorrect accounting of our payments. 
Please assist us in resolving this fiasco with Ditech. We have paid in full through XXXX XXXX ( XXXX payment being processed XXXX/XXXX/XXXX ).
I had several 0 % balance transfers on my Bank of America Card. Up until XX/XX/XXXX, your credit card statement would reflect the balance of the transfer and show the date when the 0 % rate was scheduled to expire. Starting with the XXXX XXXX statement, it would still show the date of expiration, but all of the balances for the transfers were shown as {$0.00}. I contacted Bank of America several times, and was told that there was a " system '' glitch and the problem would be rectified. The problem was never corrected, but I continued to make my payments in order to pay off the balance. XX/XX/XXXX, one of my grace period rates expired and I was charged interest. Due to the fact that I had XXXX balance transfers on the account, I was unable to differentiate the amount between the XXXX. On my XX/XX/XXXX statement, the amount that I was being charged interest on magically appeared on the statement, as well as the remaining balance that I still had the 0 % grace period on. I contacted the company, and was told that the reason they discontinued showing your balance was not from a computer glitch, but was a policy change that the company chose to implement. I explained to the representative that balance was only reappearing now that I was being charged interest ( 14.99 % ) on it, and he said that this was due to the fact that it was no longer a 0 % balance. He stated that they no longer show promotional balances, which was not true because the other 0 % balance also showed on my card. I asked him to waive the interest accrued, which he refused to do. I asked for a supervisor, who again explained that they had changed their policy as a company in which your balance remaining on any transfers was shown on your statement. He acknowledged that customer service reps had been giving customers misinformation by telling them that it was a system glitch when it was not. He also stated that the reason that they choose to show your balances as {$0.00} is because the dollar amount was not always accurate and customers were getting confused. I found this ironic because he tried to act like they were doing this for the " benefit '' of the customer, yet they have no problem showing your balances when they are charging you interest on it. I stated that if I knew the amount that was on the promotional rate, I would have paid it off prior to incurring any interest, just as I always have. I told him I felt like this was a deceptive business practice and asked him to waive the accrued interest, which he also refused to do. I requested the amount of the balance that I was being charged interest on, and paid it off that day. I have had the card for almost 15 years and have never paid interest on it until this new policy was implemented. I also have credit cards with numerous other companies, and have never seen a promotional balance show up as {$0.00}. I feel like Bank of America deliberately implemented this policy change make extra money off of customers like me that the diligently pay their balances down before any interest is accrued so that they can make money in situations that they had n't in the past.
I have sent two separate letters to ask for verification of a debt. The collection company a letter stating they have acquired and now owns the account. I do n't have a contract with this company and its not my debt. I have asked for a copy of the credit card application with signature and still I have not received nothing from them. I sent them a letter in XX/XX/XXXX. They refuse to remove this from my credit files.
To whom it may concern : I have three collection accounts on each of my credit bureaus from a collection agency named Midwest Recovery Systems the accounts are as follows : XXXX, XXXX   and XXXX : 1. Midwest Recovery Systems Date Opened : XX/XX/XXXX 2. Midwest Recovery Systems Date Opened : XX/XX/XXXX 3.Midwest Recovery Systems Date Opened : XX/XX/XXXX Please be advised that I am disputing these collections due the fact that ; Midwest Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Does not currently have a valid license in Florida to collect on  debts. This information is stating that their license is currently Revoked/Voided according to Florida Office of Financial Regulations XXXX XXXX XXXX XXXX XXXX, FL XXXX I am requesting that you investigate this matter and delete these accounts from all three of my major credit bureaus as per request to remove the above items from my credit report immediately or provide me with physical proof that XXXX XXXX XXXX are licensed to collect debts in Florida. 

Your immediate response will be greatly appreciated.