WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern, I am submitting this formal request/complaint regarding the accuracy of reporting of my monthly payments to my Barclays Credit Card, account number XXXX ( the Account ). I have received and reviewed my current credit report. The pay history reported on the Account, reflects a Delinquent 120+, current late date of XX/XX/XXXX 150+, six times 90+ days late, 1 time 60 days late and 1 time 30 days late. My monthly payment is a monthly auto draft from my XXXX  XXXX XXXX checking account number ending in XXXXsee attached ). As the payment history reflects, I have made timely monthly payments to my account for at least the last 13 months ; I could prove more if needed. It is obvious that I have not been late with my payments at any time. In addition to the incorrect payment history, there is {$15.00} charge, which I do not owe, but recently paid in an attempt to close out this issue and fix my account history.. This gross error in reporting has caused a substantial negative impact on my credit score. I have contacted Customer Service, to no avail, to rectify this situation. I am in the process of refinancing my mortgage and unable to move forward due to the derogatory credit reported on the Account. This inability to refinance my mortgage will cost me a substantial amount of money in interest charges. I am therefore submitting this written request/complaint to rectify this situation and demand that the correct pay history, on the Account, be reported to XXXX, XXXX and XXXX   immediately. 
Best regards, XXXX XXXX XXXX
XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is now being reported again
I have a car loan with Chase Bank. They have not reported the on time, full payments I have made to them for over two years. They have also marked my account derogatory to the credit bureaus AFTER I submitted requests to have accurate information reported. I have never missed a payment and I have never submitted a payment late. I have been trying to get this resolved over the phone and in person with three different bank managers and none will give me any assistance. They have also stopped sending me any kind of paperwork/emails about my account and payments made.
We applied for a home mortgage and our application came back with serious delinquencies and other issues on both my wife 's and my Credit Score Information that was provided by Experian. They are the only agency that reported any issues, none from XXXX or XXXX. 
I went to the Experian website and entered all the information, including my SSN and then was left with a blank webpage with no options and going back in the browser deleted all the sensitive information I had just provided to Experian. They have no way to contact them by phone as every number defaults to the same voice menu. 
My complaint is that I/we have always have excellent Credit and these Experian reporting 's are not just incorrect they are a serious consumer abuse that they have the right to damage consumers confidence in the Credit reporting system and the arrogance to be out of contact when their website does not work.
I have been repeated called by XXXX XXXX after changing my number two times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You
I have sent letters to this company asking for verification/validation via my signature showing that this debt belongs to me. I have received no reply and I have disputed it to the credit bureaus of which they continue to validate without proof.
Clarity Services , Inc., a credit reporting agency has on more than one occasion requested my credit file from XXXX on behalf of Payday Loan companies without my knowledge. I wrote Clarity and requested that they stop this practice. Their response was disturbing ; they stated that they resell XXXX data, and that they need additional data from me such as SSN and a copy of my drivers license. NOT GOING TO HAPPEN!
On XX/XX/XXXX I deposited a check for XXXX on XXXX XXXX, they put a hold in the ck for 10 days on the XX/XX/XXXX the money was supposed to be released, but the money never was added to my balance, the just add the number to the estatement but not the money, they refuse to credit my money back
XXXX XXXX of the XXXX XXXX XXXX has been doing a Reverse Mortgage for us. The loan was denied due to underwriting guidelines. Another company was secured that figured out a way to work with the doctor to provide more accurate incapacity letters. A letter from the client to XXXX XXXX, XXXX, XXXX, requested that the FHA Case number be released as well as the appraisal done on XX/XX/XXXX. These requests were made over 3 weeks ago. Finally we initiated a payment for the appraisal to resolve the issue. A check was sent overnight to XXXX XXXX for the appraisal and it arrived last week. Still the FHA case number has not been released, and there has been no provision of the appraisal. Instead of honoring the request he called promising that Nationwide could do the loan in two days. Which is clearly fraudulent as it has to go through underwriting and a process. This money is to provide for my Mom in the XXXX XXXX, and XXXX XXXX as keep us " XXXX '' by not complying to these basic requests. He is now acting unethical and and his delays are causing emotional and potentially financial consequences.
In XXXX 2014 I received a collection notice from FCO regarding a debt I had never been notified of before. I asked them via certified letter for 1 ) a verification the debt was mine, 2 ) who owned the debt, and 3 ) exactly what the debt was for ( since the creditor listed had never contacted me ). I also demanded they quit calling my work phone number and to cease collection activities unless written verification of the debt could be provided. 

They never responded to my request for written verification but instead unlawfully reported the debt to the credit bureaus. They also have left threatening voicemails on my work phone number, but refuse to provide any details on how the debt was calculated.
I had a automobile repossessed in 2012. The company that held the autoloan keeps removing the account from my credit report and then a month later they add it back. This keeps changing the date the account was closed and pro-longing the removal of it from my credit report. It also negatively impacts my credit score. In some cases as much as XXXX points when they do it.
I prepaid for XXXX hotel rooms on XX/XX/XXXX XXXX XXXX for me and XXXX for my parents ) on AmEx travel using my AmEx credit card. When we were checking out on XX/XX/XXXX, the NH XXXX hotel claimed that it was not prepaid so we paid again since the confirmation was n't clear cut that the rooms were prepaid. I disputed the charge. My parents were refunded on XX/XX/XXXX but it 's been over 2 months and I still have not been refunded. The hotel actually charged my credit card on XX/XX/XXXX and then promptly refunded that charge, but I have not been refunded the charge on XX/XX/XXXX. AmEx Travel and AmEx credit card have been completely incompetent. I have called several times and have been told that there are no disputes open even though I 've received confirmations that I opened a dispute. This is incredibly frustrating.
I am XXXX and can not make car payments and mortgage payments and they are not willing to work with me. XXXX really is legal fraud at its finest. what constitutes the right for them to do this? they are so ashamed of it that the attachments I will forward you were all intentioanlly named the same in XXXX different emails to throw me off like I 'm stupid. bottom line purchased XXXX in XX/XX/2011 $ XXXX have already paid that in interest and fees. I STILL OWE $ XXXX!!! I asked for a refi and they said no so I can not afford it as I am in XXXX and XXXX. I put an ad to sell it and got numerous call for the current XXXX value at $ XXXX. CALLED THEM TO OFFER THAT TO THEM INSTEAD OF A REPO AND THEM GETTING LESS MONEY AT AN AUCTION AND THEY SAID NO! SO THEY HAVE THE RIGHT TO CHARGE $ XXXX FOR $ XXXX THEY ARE WORSE THAN PAYDAY LOANS. LIKE I SAID THEY ARE FRAUD AT ITS FINEST.
" Thank you for your complaint XXXX about XXXX/XXXX and  XXXX/XXXX ( Under same entity ). We've sent your complaint to the company for their response. '' This was from CFPB on XX/XX/2018. 

The company ( Collection Agency XXXX/XXXX ) responded with the attached letter and documents. Again, they never provided actual evidence I owe the money as XXXX XXXX, personally. The account is a Corporate credit card I was an authorized user. XXXX and XXXX and its subsidiaries have NOT provided evidence I am liable under the Fair Debt Collections Practices Act request for proof of debt liability personally. It is a corporate debt, not a personal debt. The collection agency as well as XXXX and XXXX have NOT properly verified the debt properly in violation of the Fair Credit Reporting Act Section 609 and Fair Billing Act and Fair Debt Collections Practices Act ( 15 U.S. Code 1692g -  Validation of debts US Code ) If not resolved through CFPB then I will pursue avenues through the State Attorney General and through my own legal counsel for damages under applicable law. Enough is Enough! I have asked several times for this to be properly investigated and proper evidence has NOT been provided. I am NOT personally liable for the debt.
This account was never 60 days past due. On XXXX XXXX, XXXX, I made XXXX phone calls, the following refers to the first phone call. On that day, I was 22 days past due and trying to schedule a payment to bring the account current. Seterus representative made the following XXXX statements : 1. Partial payment of late fee is required to schedule a payment by phone. 
2. Answering the questions beyond the routing and account numbers of the financial institution is required to schedule a payment by phone. 

According to your letter, dated XXXX XXXX, XXXX, the above XXXX statements are false. XXXX or XXXX? 

About XXXX years ago, having experienced the Seterus solutions, I decided it is better to absorb the late fee than accepting any of the Seterus solutions. Even though, I repeatedly said NO, why Seterus insists and harass with statements such as above, to better understand my financial situation as you stated in your letter dated XXXX XXXX, XXXX?
I have been in constant contact with Transunion to address this problem and they are not cooperating. I have 19 hard inquiries on my account and they do not belong to me. 

I have THREE on my XXXX report, so how can that even be right? I have told them numerous times they do not belong to me, and that I've put a fraud alert on my account and they still refuse to delete them, at this point I feel as if they are allowing fraud to take place on account, and are not concerned about it, which is now affecting my credit.
I had a shortage in my escrow account so an analysis was done in XXXX and my payment was going to increase effective XXXX 2016. I did end up paying a portion of the shortage in XXXX 2016. On XXXX/XXXX/16, I requested that another escrow analysis be run since making that escrow deposit. The analysis was run and my payment was going to be lower than projected but around XXXX higher than my current payments. I am fine with the increased payment, however, Nationstar said that the increased payment was due immediately. They gave me no notice.
I first disputed with experian numerous accounts to have validated and legally able to report. I got back a list in which they refused to investigate stating they investigated and dont need to. Then I received a form letter stating items they did investigate was complete. I then sent letters out asking for verification that a reasonable investigation was done and per FCRA to send me all documentation proving such was done. They sent me a form letter back just stating how they do investigation NO information. Now mind you there are accounts that were purchased by collectors who re aged accounts and arent reporting accurate dates of opening delinquency etc. This is called reaging. It is against the FCRA. These accounts should match the account in which debt buyer purchased from lender. It shouldnt be a new account! this is just one of a few issues I have and its plain to see on the credit report the reaging. You can look at status dates also as they are prior to my request. Experian doesnt want to do anything but send out form letters with no proof any investigation was done and just by looking at my reports you can see the total XXXX just with re aging of accounts. After all this I got tired of spending time dealing with this incompetent company which should have some documentation showing it is legitamate for them to report items and I asked for those and evidence that they per FCRA did a reasonable investigation and all I get is form letters back stating wont investigate and no information regarding investigations they were supposed to have done. Its getting very old with this company. Personally I dont believe they do a XXXX thing. If they did theyd be able to prove it. I then sent out intent to sue and what did they send back a form letter saying how they do investigation and that they wont reinvestigate. So much inaccurate infomation its to the point if they are going to allow and dont care they should be sued.XXXX accounts alone by XXXX have been reaged and these people cant figure this out. All the items I listed should be removed because this company did NO investigation what so ever. Now they have even blocked me from going online to file dispute. This company shouldnt even be in business. I would hate to have to go to court but it seems thats the only way these people wish to deal with people.
I have been contacting Equifax for my Annual Credit Report and they refuse to send it to me by saying that their record indicate that they have already sent my credit report for this year, but I have never received it. I had no problem with XXXX XXXX neither XXXX, they sent me my credit report without no problem. I can not see my credit report online on equifax system because no of the question belongs to me. I have been contacting Equifax since XXXX to have them to send my free credit report, but as today XXXX XXXX I still have n't received my credit report from them. They just say they will send and nothing happen.
Called wanting XXXX $ forwarded them an email from original company demanding debt stating I only owed XXXX $ still calling saying I owe XXXX $ and something now.
Recently, I, XXXX XXXX XXXX was contacted by Transunion and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by Transunion. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different XXXX XXXX XXXX  Credit Card accounts. One XXXX   XXXX XXXX  Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent XXXX XXXX XXXX   Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of XXXX. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.
This is an additional request for help before I file a lawsuit. I am having several issues with Equifax. 
I was made aware by Equifax that I am one of the many whose information was breached and have noticed that there are many inquiries on my report that I did not authorize or approve. there should only be one XXXX when I opened the account. When I tried to find out who was responsible it just informed me that no additional information is available. I am outraged as this is going to prevent me from obtaining a mortgage. 
Lastly, there is a medical collection from XXXX XXXX XXXX in the amount of {$990.00} that should have been removed months ago because I do not owe that debt and it was paid from insurance I had at the time since the hospital was part of the network I had coverage in and was under the insistence my physician , XXXX XXXX. 
XXXX XXXX assured me that this would be recalled and removed but Equifax is STILL reporting it despite my demanding they validate that debt. I am also XXXX and judgement proof and I was given no documentation from Equifax or the collection company verifying any of this debt and it has been months of inaction that has caused me irreparable financial harm. I intend to file a lawsuit against Equifax and XXXX XXXX if this account and all of the fraudulent inquiries are not removed IMMEDIATELY. 
Thank you for your help.
I had transferred money thru paypal to purchase an item for {$200.00}. The seller never sent the item, it 's almost been a month and item never received
I am writing because my wife and I have an auto loan w/ Ally Inc. We received a letter about the class action suit for giving higher rates to minorities. We entered in to the suit. I heard it was settled and we never heard anything about it again. Ally wo n't tell me anything. Well, they will tell me nothing is noted on my account. I would like to know something. Please help.
According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. Euqifax and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.
I requested a {$5000.00} increase to my Bank of America visa card. I receive XXXX in retirement from XXXX XXXX, CA and XXXX in social security yearly. I have in excess of XXXX in an investment account at XXXX XXXX bank and just closed escrow on a home I owed without a mortgage for {$630000.00}. My husband has an investment account valued at somewhere over XXXX. 
This is banks and the credit reporting agencies using debts to deny credit and lower FICO scores while at the same time denying other bank assets. They falsely lower your FICO score to gain higher interest rates. To me this is racketeering!
Wells Fargo Mortagage FEES : Extremely High intial Loan fees : {$4500.00} on {$82000.00} house Refinance VA Loan in XX/XX/XXXX {$2700.00} of more i think on {$78000.00} WELLS FARGO OVERCHARGE ME {$1000.00} ( {$500.00} X2 ) ON ILLEGAL LAWYER FEES TO START! CLOSING COST BY THEM WERE EXTREMELY EXPENSIVE! I FEEL THEY HAVE COMMITTED VA LOAN FRAUD ON MY ACCOUNT AND I HAVE NEVER BEEN REIMBURSED! PURCHASED HOUSE : XX/XX/XXXX ( WELLS FARGO ) REFINANCED HOUSE : XX/XX/XXXX ( WELLS FARGO )
I moved XXXX and put my mortgage on auto pay with OCWEN financial services. The modified my mortgage by a few dollars and notified my be us mail. They did not send me anything via email and the mail never arrived through the XXXX postal system ( not a big surprise ). For two months I underpaid my mortage by a few dollars and was only made aware when my credit reporting agency notifed me. I immediately paid OCWEN via electronic payment the balance and changed the amount. I requested then ( XXXX 2013 and again last year, and again last month for someone to review this and correct the negative report. I have received no formal decision just notices that they will contact me if they need more information. 

I would like help in trying talk to a real person there even if it is International Long Distance to try to resolve this. The negative information dropped my credit score XXXX points and is still not back up to where it was despite perfect payments.
I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since XX/XX/2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of five. 

Please help me in getting this item removed- XXXX/XXXX  XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX   XXXX : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<
XXXX XXXX XXXX has a debt listed on my credit files and the credit bureau companies stressed that a proper investigation was completed on their end and left my dispute unanswered because the debt is still listed. I find it amazing that I reached out to the company and XXXX reached out to the company and we did not get any results. IT amazes me that I can not get debt validation as requested and XXXX could not get any results on my behalf ( see attachments ).
I have XXXX XXXX from Merchants Credit Association contacting me at work after I have asked to not contact me at work. I left a voice message indicating to her not to contact me at work and she keeps contacting me at work. They have my home phone number and will call everyday and not leave a message.
I mailed Experian a dispute request on XX/XX/XXXXbecause  they are reporting incorrect names, addresses and a Social Security Number variation that does not belong to me. I even filed a complaint with the BBB and they still refused to correct the information. I was informed by an attorney friend of mine to contact the CFPB.