WillisBack/dataset-financial-user-claim huggingface dataset:
I paid my Rise account in full on XX/XX/2018. I've since contacted the company numerous times as the loan is still showing as open and active on my credit report. I have yet to receive a response.

In addition, the account has not been reported to the credit union as current in XX/XX/XXXX or XX/XX/2018.

It reported in XX/XX/XXXX and XX/XX/XXXX, but stopped thereafter.

This account should be updated to reflect on time payments in XX/XX/XXXX and XX/XX/XXXX, and should also reflect paid-in-full and closed.
In XXXX my now deceased husband XXXX XXXX, paid off a line of credit loan with US Bank on our home at XXXX XXXX XXXX, in XXXX XXXX, Iowa XXXX. 
At that time US Bank sent him a letter acknowledging he satisfied the loan, it was dated XXXX. 
My husband XXXX died unexpectedly on XX/XX/XXXX. 
We purchased the home in XXXX. The first mortgage on the house was sold to XXXXXXXX XXXX long ago. After my husband of 46 years who had worked at XXXX XXXX for over 44 years died, I couldnt afford to pay the first mortgage with XXXXXXXX XXXX as my only source of income was and is my monthly social security check. 
After my husbands death in XXXX, my dilemma at that time was to either let XXXXXXXX XXXX foreclose on my home or try to sell it. The real estate market in XXXX in XXXX XXXX Iowa was stagnant. The house was built in XXXX and needed some work. 
In the fall of XXXX a XXXX VA Veteran who needed to live close to XXXX XXXX bought the home from me on a land contract. 
For the last five years the contract buyer has paid me, almost to the penny,  the exact amount of the monthly mortgage payment that I owe to XXXXXXXX XXXX. I then turn around and pay XXXX. 
Last month the VA agreed to give my contract buyer a VA loan for the home, allowing him to lower his monthly payment. He was approved and everything proceeded. 
Then a title search revealed a lien placed on my XXXX home by US Bank in XXXX was never released. Even though I have the letter stating that the loan was satisfied back in XXXX, US Bank will not send through a lien release to XXXX County Iowa. 
I have contacted a US Bank CSR at XXXX several times in the last week and they keep telling me that they have turned it over to a supervisor for review. They, US Bank, advises me to call back the next day, then the next day, same story every day. 
I am a XXXX year old widow living on social security and Im beginning to believe US Bank is discriminating against me by delaying releasing this old loan. Either US Bank has lost the loan paperwork or lost the money my husband sent to pay off this loan in XXXX. It has been over eleven years now and they are still refusing to release the lien or speak to me or my buyers lender. 
I have spoken to others who have had a line of credit with US Bank in XXXX through XXXX, and some before the banking crisis in that period, and several have said they have had the same troubles with US Bank not releasing liens on old loans and lines of credit.
Both my husband and i went to ace express, inc. # XXXX at XXXX XXXX XXXX XXXX, XXXX ohio XXXX, XXXX XXXX XXXX XXXX on tues XXXX XXXX to make an interset payment on our payday loan. we were informed that the interst payment had doubled. I paid my {$21.00} and was told that my interest payment went from {$21.00} to {$33.00}, my husband was told that his would be doubled from {$50.00} to and extra {$50.00} to make his interest payment {$100.00} a month. If we already have a payday loan and paying on it how can they raise the interest payment higher untell we pay it off. We can understand if we paid the loan off and reloaned. next month my loan will be paid off but there is no way im paying the extra {$33.00} with the {$100.00} i borrowed. It should be only {$120.00} not the {$130.00}. My husband will be paying an extra {$100.00} on his loan before he pays it off in full. With this comp when you get a payday loan you pay 4 interset payments before you pay the loan off that is how it has been for the past 2 or 3 yrs. If they are raising the interest payments they should wait till we pay our loan off and ask us if we are reloaning, if we are reloaning then they can inform us that the interset payment will double, if i had knowen it on the 3rd i would have paid mine off in full the {$120.00}.
I am disputing the findings of Experian XXXX XXXX XXXX because it failed to properly and adequately investigate my claims in the dispute against XXXX, XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Experian XXXX XXXX XXXX supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and XXXX ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, XXXX, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and XXXX XXXX. 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Experian XXXX XXXX XXXX did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX that its summary of statements were accurate, hence unfairly confirming the position of XXXX against me based on inaccurate accounting ( attachment G, H ). 
5. Experian XXXX XXXX XXXX did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Experian XXXX XXXX XXXX refused to respond to my request for the details of their investigation XXXX attachment XXXX ). 

Therefore, my account ending XXXX with XXXX should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and XXXX ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.
We have never received notification from this agency regarding a medical bill. The only way we found out about this debt was through a derogatory collection mark placed on the credit bureau report. We want to pay the debt, but feel the item should be removed from the CBR because we did not receive notification of the debt. The agency will not remove the item, says the can update. Claims they have validation we knew about debt. This is not true. The numbers they gave and stated they were contacting us were not even our phone numbers. We just updated them with the correct number when we submitted the dispute. The item should be removed from the CBR as we were never given time to dispute this before it was placed on the CBR. We never received any notice until we disputed the debt in XXXX 2016.
XXXX XXXX XXXX Reported an account in tantamount of XXXX.to all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. Thry have a open fate of XXXX 2017 and an amount owed of XXXX, which I do not have any account in that amount that I owe.
Wells Fargo Home Mortgage shows a status discharge through bankruptcy chapter XXXX in the amount of {$54000.00} as of XX/XX/XXXX. I believe this is my current Mortgage that I am and have been paying on. Wells Fargo was not listed in my bankruptcy. Please advise. Thank you in advance for your consideration.
I have called and left messages as well as waited on hold multiple times for over 20 minutes at a time. I have never once gotten anyone willing to take my money for the {$60.00} I owe. No one has ever called me back on my multiple messages left to make my payment after leaving clear, concise, information about my and my information. The hospital is also refusing to take my money. I have now tried calling again today 4 times and have been hung up on each time and no one will take my payment. I am in collection and should not have been even for one day because they are not allowing me to pay by debt.
filed a complaint with them already threw her debt is from XXXX there response threw her was they did not have info on me now they sent me a collection letter today. asking to deal with them instead of you guys ; its past statue of limations dont remember having XXXX did not send info about the account no right to dispute to. my last name was brand so they have no exuse this time not finding me
I recently pulled a copy of my credit report and noticed a collection account by IC as I do n't recall signing any contract with a company by this name nor do I recall receiving any duns letter by them. so I send them a certified letter tracking number XXXX XXXX XXXX XXXX XXXX requesting for a copy of any viable evidence bearing my signature showing the account is being reported accurately. I also informed them as per FTC letter from Attorney XXXX XXXX XXXX you should be aware that a printout of a bill or itemized documents does not constitute verification. being that I have that right under the Fair Credit Reporting Act and Fair Debt Collection Practices Act but they have refused to send as well as mark my account as disputed within the 30 days which is a violation of my rights under willful noncompliance as per FCRA 623 ( a ) ( 3 ) Responsibility of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s- 2 ]
Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to  stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX  List fraudulent inquiries : a ) XXXX b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name
I applied for citi gold checking account with XXXX promotion offer ( with offer code : XXXX ) in XXXX XXXX. I met all the requirements as per terms in XXXX, XXXX. I got confirmation both before and after application ( before : via phone in XXXX, after : via online chat ) that after I met all requirements and XXXX would post in 90 days ( in XXXX XXXX XXXX. However, the XXXX bonus XXXX did n't post after 90 days, and citi refused to honor the promotional offer when I contacted them back in XXXX XXXX. Worse still, the service fees that incurred during the 3-month waiting time was {$90.00} before I contacted them to downgrade my account. Citi, a bank that I once trusted and liked, not only failed to keep their promises, but also tricked me for the {$90.00} loss. I would like to have this issue resolved, or I would reconsider my business with this bank and let my friends and colleagues aware of this unpleasant and intolerable experience. PS : I did n't record the phone call, nor screenshot the online chat because I never thought this would be a problem. But I do believe that Citi can check out both the phone records and the online chat history on their discretion if neccessary.
I have received multiple debt collection calls from the company " Sun Loan '' in XXXX XXXX, Texas. The company is calling to contact me about my sibling, who owes a debt that I have no knowledge of. I don't know what it's for, how much is owed, or why the company is calling me. I have not lived in Texas for close to ten years, as I am in the military. I have personally spoken with a female employee at the company twice, and asked to not be contacted anymore, as I'm not in close contact with the sibling. The employee was polite during all contact with me, but did not respect my request to not be contacted further. I blocked the number after they continued to call me. Today I saw that I could view calls from blocked numbers, and found that they have continued to contact me on nearly a weekly basis about this debt. I am worried that they will just start calling from another number once I haven't responded for a while.
On XXXX XXXX, 2016 Midwest Recovery Systems reported a collection on my credit report. According to my credit report, this alleged debt is for {$66.00} and the original creditor is XXXX XXXX XXXX XXXX XXXX 

I have only been to one physical therapist in my life, and I spoke with them about this matter after I found this report. They told me that they knew nothing about this, and that they had not submitted any debt to any collection agency. They further told me that ALL of my treatments were paid in full by my insurances since I have both medicare and medicaid. 

I do not, nor have I ever had an outstanding bill with this or any other physical therapy company. If the bill were owed, I would have paid it, but I will not be paying a fraudulent bill. 

Furthermore, I was not informed of this bill before it showed up on my credit report. I was not contacted by telephone or by mail with any bill by either party. I was not given any opportunity to resolve the issue before it showed up on my credit report. 

Additionally, I believe that Midwest Recovery Systems has since sold this debt to a second debt collector, adding a second collection for the same fraudulent debt to my credit report. I will be filing a second complaint against the second debt collector. 

I have done some research and found that this company has done the same thing or similar to many other people. It needs to stop. I want this fraudulent debt removed from my credit report immediately. I have worked too hard to increase my credit score only to have false statements from these people wrongfully lower my credit score.
This company continues to report on my credit report after I  sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to!

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

THIS IS NOT MY DEBT!

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
We had purchased a vehicle with financing through  Ford Motor Credit  for our son in   XXXX  . Since then, our son turned  XXXX  and enlisted with the  XXXX   XXXX , and was stationed in  XXXX . In order for him to get his car shipped to  XXXX  we had to apply for a transfer of equity in order to remove my husband from the loan and add my son so that he would be on the title and registration. That process, though cumbersome, worked. We were told that once the transfer was complete, we just needed to get a letter to permit shipping the vehicle outside of the continental United States. After talking to several representatives at  Ford Motor Credit  we were given conflicting information about the requirements for this permission letter. Initially, they said we would just have to ask for it once the title was transferred. Then we were told we had to obtain special "  XXXX  '' insurance ( which our insurance company,  XXXX , had never heard of ) and provide proof of this insurance, and that we needed to have the specific dates for the car leaving the  US  and an arrival date, which the logistics company was only able to estimate. During our next attempt of getting this permissions letter from  Ford Motor  credit, we were suddenly told that we have to also provide a copy of my son 's military orders. It feels like we are running in circles, chasing your own tail, in order to help our son who is serving this country.
I got my first loan in XXXX. My loans have been sold to new servicers repeatedly. I had my interest down to XXXX at XXXX point but every XXXX time they resell my loans it keeps going up. It 's currently around XXXX. This ridiculous. Technically my loans were paid off by these companies who keep reselling my loans without my permission or knowledge I might add. How is this legal??
they still havent credit XXXX k in charges sent them police report 3 times still waiting for resolution
I am behind in my house payments and have applied for a loan modification repayment plan. 
Green Tree has blocked my account number and phone number. I have not been able to contact them since XXXX/XXXX/15. As soon as the system recognizes me I am told the extension entered is invalid. I do n't enter an extension. At first they had my account number blocked and I figured out how to reach them without the account number, then they blocked my phone number as well. Please help me!
We obtained a loan from XXXX XXXX XXXX  for the value of our SUV. The loan approved for was {$2500.00} while the value of our vehicle was {$5000.00}. This was a loan secured using our SUV. We fell behind a month on payments and the vehicle was taken by this company. The company has sold the vehicle and and received the full amount of the vehicles worth, collected monthly payments from us over {$1500.00} and will not list this account a paid and update the credit bureaus. They are not reporting this transaction to the credit bureaus as they should which is " paid in full ''.
I am not sure what this debt is and have not received any communication from this compnay about this debt. My first knowledge is the credit report that I pulled up.
I recently disputed a claim on my credit report last month about a company called Accelerated Financial Solutions who had turned in a bad credit on my report. They had that the original creditor was a XXXX XXXX XXXX. for XXXX {$.00} I do not know who these people are and have never heard from them before. So the credit bureau was looking into this and undoubtedly contacted them. I get a letter today XX/XX/XXXX telling me that I owe these people this letter is from them so I called them and talked to a person which unfortunately I did not get her name but I called to tell them that I was disputing the claim and she asked me if my last XXXX social security # was XXXX and I said yes then she asked me if I had had an account with this certain bank in XX/XX/XXXX. I told her yes I thought I did at that time. She then preceded to tell me she was a debt collection company and that they were trying to collect a debt that I owed in XX/XX/XXXX from this XXXX XXXX. I told her I had never had an account with this company and that no deposit of XXXX dollars was made into an account on XXXX XXXX for me from a loan. I also told her that just because she had the name of a bank I had banked with and my social security number did not prove that I owed this money that you can get that information off of the internet on sites that you look up background information on. She then informed me that unless I send them my statements from the bank to PROVE to them with in 30 days the debt would stand and they would not take this off my credit report. I thought the law stated they are the ones who had to prove the debt was owed and also had to supply me with the original creditors. Then on top of everything else they actually have this on all XXXX credit reports listed XXXX times under XXXX different account numbers and after I got off the phone with them I called my bank told them what was going on and they have supplied me with those statements and no where on the statements does it show me having a deposit of XXXX $ It shows my XXXX check going through but that was a totally different amount. It also shows that before my XXXX check went through I was over drawn and when the deposit came through it showed the overdraft being taken care of it also does not show a amount being debited or credited for that amount on or around XXXX XXXX of XX/XX/XXXX
I have disputed collection information reported by XXXX XXXX on behalf of XXXX. I have disputed the collection account XXXX with XXXX, XXXX, and Experian. I do not believe the investigation is properly being executed. It seems like the credit bureaus are working for the collection agency and agree with the electronic response received from XXXX XXXX on behalf of XXXX. The account remained on my credit report, but I do not have a reason why the account remain when XXXX shows I do not owe them and the balance was resolved. Transunion die not report XXXX XXXX on my credit report in XX/XX/XXXX, but soon as I disputed the item it was added to my credit report in XX/XX/XXXX and the investigation with XXXX XXXX has not been resolved.
Case # XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX I filed my first complaint on XXXX XXXX, 2016 Response was received with letter dated XXXX XXXX, 2016 What happened from then? 

In XXXX XXXX, 2016 we had a 6 hour mediation at ours attorney 's office in XXXX XXXX, Florida. After a long negotiation of the key terms of Carrington 's last Trial Modification Agreement dated XXXX/XXXX/16, we concluded with little progress. Carrington 's attorney recommended that we contact their internal office FMR to seek some assistance and direction. Advise that our attorney followed with a few telephone conversations. 
A few weeks ago, Carrington 's attorney contacted us with the question, - " Are you in a position to come up with a Good Faith PAyment of {$120000.00}? '' We viewed this communication as a positive and agreed to it. A few days ago we received their latest offer for a Trial Modification Agreement dated XXXX/XXXX/16. 
With a sense of disbelieve we notice that the new offer had the following changes from the terms negotiated so hard during the face to face mediation : - The XXXX trial monthly payments went up from {$8700.00} to {$9400.00} - The Principal Balance went up from {>= $1,000,000} to {>= $1,000,000} Yes, the Good Faith Payment was {$120000.00} as per recent emails. 

Incredibly insulting with total lack of respect following a sincere and honest mediation.