WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX 's XXXX my transmission went out on my XXXX XXXX XXXX. My loan was almost paid off with 100 % on time payment history even though this is the 3rd financial situation where the vehicle broke down and I still kept my account current. Well this time when the transmission went out I was told by MEI to take the vehicle to their transmission shop. 4days later, mind you I just paid my car note, but they told me that XXXX approved for a mechanical trade at XXXX DOWN. So that weekend I went in to get to my trade so I could keep working without wasting money on XXXX. Well when I get there, of course it wasnt XXXX DWN, they wanted more money, so I had to scrape up and additional {$500.00} ( that {$700.00} in two weeks to MEI ) to drive off in the XXXX XXXX they gave me. Of course no lights or anything was on, and they wouldnt allow for you to test drive cause there is never any gas in their cars at the time of purchase, I even have text to prove this. 
They also have the audacity to run your credit again on something thats approved already through their company! Well not even 3 days after pulling off the lot the check engine light comes on. I call to set an appointment with the service center and they tell me I cant until I get my contract reinstated with MEI and XXXX. It took almost 4 weeks to get a new contract together but whats the most frustrating about this is the fact that I started receiving calls saying that I was 10days past due on the XXXX. After I explained the first rep, XXXX said ok she will notate the call. I asked her for a PAID IN FULL LETTER she said she will email her supervisor to contact me within the next few days. Nothing happend. About 6 days later XXXX called again saying I was 21days past due. I asked for his supervisor a woman named XXXX came saying she was a supervisor. I asked her for a paid in full letter, she said they MEI, dont participate in this. I told her to escalate my request because I know this should be available for a consumer period from a debt collector. I told her and the previous 3 people that this account better not hit my credit. Well I woke up the morning of XX/XX/XXXX and guess what ... MY CREDIT SCORE DROPPED OVER 50 POINTS and I missed out on closing on my house due to an issue on their end. Right now at this very moment it is still showing a negative tradeline from these crooks. Im forced to consult with a laywer at this point. Im the one taking financial losses from doing what Im suppose to do and I am still waiting on my PAID IN FULL LETTER SO I CAN HAVE MY CREDIT CLEARED.
I received a notification by the credit bureau that a debt was placed on my credit report. The debt has a date listed for XX/XX/XXXX and a debt balance of {$420.00}. I have no knowledge of this debt whatsoever. I sent out a debt validation letter to this company on XX/XX/XXXX and have not received a response. If you can't VALIDATE the debt then it needs to be removed from my credit report. I have attached a copy of the handwritten letter that was sent certified mail.
Equifax XXXX XXXX and XXXX XXXX XXXX was sent an initial dispute letter in XX/XX/XXXX of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being certified by mail letters in which XXXX XXXX never responded and Equifax claimed to do an investigation and stated information was verified. After asking for a reinvestigation from Equifax and demanding for detailed documentation of an original signed contract and the persons first and last name of whom Equifax spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps Equifax took to investigate this collection, in return all I keep getting from Equifax is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me XXXX ) Last Payment Date listed as XX/XX/XXXX is inaccurate and does n't exist. Equifax has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The credit limit and/or high balance are/is incorrect. 
Home Recommendations1 Cards Loans My Overview My Recommendations1 Accounts Credit Cards Loans Auto Resources Tax Profile & Settings Logout Direct Dispute In partnership with XX/XX/2018 Estimated Completion Date Status Details TransUnion received your request on XX/XX/2018 and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. TransUnion has yet to get back to me or remove this old account off my credit report.
I submitted a dispute reguarding my personal information on my credit report. I found a name that was incorrect and I also found two addresses on my credit report under ( Personal Info ) that I have never lived at. None of which have been resolved or addressed. I need the specific name, telephone number, and address of a person or agency, or ANYONE who I can contact to finally resolve this issue. So far, I have n't found anyone who is capable of accomplish a resolution. Now, I know there is someone out there some where, who IS very capable and very competent to address this issue and successfully resolve the dispute. If you would so kindly please give me THAT PERSON 'S name, number, and address, I would gratelly appreciate it. Thank You. The two addresses that are incorrect and need to be removed from my ( Personal Info ) off my credit report are : 1. XXXX XXXX XXXX . XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, CA XXXX The name that is incorrect and needs to be removed from my ( Personal Info ) off my credit report is : 1. XXXX XXXX Thank You so much for your help and I look forward to hearing back from you. God Bless ....
regarding XXXX/XXXX  account no.XXXX appearing wrongfully on my XXXX   and experian reports . 
I NEVER ORDERED THIS CARD. 
I NEVER ORDERED ANY MERCHANDISE. 
ALL OF THE CHARGES ON THIS CARD ARE RETURN OR RESTOCKING FEES AND THE INTEREST ASSOCIATED WITH THOSE FEES. 
DELETE THIS FRAUDSTER 'S ACCOUNT FROM ALL CREDIT BUREAUS.
My loan was taken off deferment on XXXX/XXXX/17 and a payment was taken from my bank account automatically ( which I signed up for years ago ) on XXXX/XXXX/17 without any notification to me. I had payments scheduled, since I graduated, for XXXX/XXXX/17 and those payments were not taken into account when automatically taking the money from me without my consent. I was never notified that payments would begin again because they claim there was no time. In what world is it OK to just begin taking payments from someone without a phone call or email or letter?
I am unable to get monthly statements on my auto loan. On the company 's website, it will show a payment breakdown with principal and interest but since XXXX 2017 mine has been incorrect. They have not applied 2 payments to my balance. When I called them they said it was a " Glitch in the system and they could n't fix it ''.
Student Loan Finance Corporation placed my student loan out of deferment illegally and unlawfully, and without sending me any notification. My student loan is not suppose to be out of deferment and I should not have a past due amount because my student loan account should be in deferment.
Hello - I have a entry on my credit report from National Credit Systems. They say I owe an old apartment complex I used to live in for a couple of months rent. However - I had moved out early from the apartment, thus ending my contract early. I even paid the early termination fee. 

However - National Credit Systems is saying that I owe the apartment complex for the rest of the contract, even though I cancelled it early. I have told them that, and they still entered the information onto my credit reports. 

I can provide evidence that I cancelled the contract early.
as of XX/XX/2018 my nelnet total balance was {$4000.00} with " standard '' repayment option and {$120.00} of payment scheduled on XX/XX/2018. XX/XX/2018 I received an email from nelnet notifying that there is balance adjustment. I logged into my nelnet account on XX/XX/2018 and I found my balance as {$4700.00} with " pay as you earn '' repayment. my interest rate for my accounts are 4.25 % and 3.15 % and i feel like nelnet made balance and repayment option change to earn extra money.
Mariner finance XX/XX/2011 {$2000.00} I am a victim of identity theft account was unauthorized.
In accordance with Equifax 's instructions related to the data security breach, I was identified by their website as an impacted consumer. On XX/XX/XXXX, I was instructed to return to the site after XX/XX/XXXX to sign up for the free XXXX XXXX XXXX. When I returned on XX/XX/XXXX, I registered and was told I would receive an e-mail with a link " in a few days '' to active the service. It 's been over a week ( since registering and two weeks since announcement of the breach ) and a link has not been received. I attempted to contact Equifax on its security breach customer service line and they could not state when I would receive the link or that my request was even in process. They did indicate that they have been " overwhelmed '' with requests ( which is amazing that they did n't prepare as given the size of the breach, they should have expected millions of requests ) but had no answer for how long it would take and to keep checking for an e-mail. Based on news articles, it seems that a number of people are having the same experience. The breach is bad enough, but the lackluster response has been terrible. I did notice that they are still advertising and accepting requests for paid services on the website. Curious if paying customers are getting priority or being signed up before the breach impacted consumers.
i am XXXX XXXX. i have recently tried to get some info.from equifax and they asked me XXXX or XXXX questions pertaining to my past addressess etc ... and i responded to them none of the above because none of the options of questions contain anything true about me, so they sent a message that said we can not verify your identity because XXXX of the selections you answered are revelant to you.i had good credit when i applied for a XXXX XXXX XXXX credit card iwas granted one .at that time my good credit was found out about i think and they must have gotten all kinds of credit cards and mortages car loans etc ... i assume and all the bad debt about it all is showing up mostly in equifax.please investigate this fraudulent concern and law violations because they XXXX when you a debtor you relatives and identity theft thier monies pensions real-estate deprive debt heirs thier inheritence etc.. and this time they did it real bad.it is possibel that equifax is corrupt also by them you check it out because it 's the right thing to do.thank you, XXXX
I have a loan with CAPITAL ONE AUTO FINAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE AUTO FINAN with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Number : XXXX Date : XX/XX/2016 Amount : {$1200.00}
I was a victim of a scam/fraud while visiting a foreign country. The merchant had my card on file and charged additional fees that I did not authorize. 

I immediately reported the fraudulent charges to Wells Fargo - prior to the charges being run and was advised by a Wells Fargo representative that the card would be closed at that time. 

However, the fraudulent charges still posted days later. 

I had to open a second fraud claim with Wells Fargo because they closed the first one without consulting with me or asking for additional information. 
I received no phone calls or emails. Only an outdated later stating they were unable to assist me in my claim.
I Received my credit report showing a inquiry from SANTANDER CONSUMER USA from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
I contacted a collection company that is the only negative thing on my credit report. I asked them to give me a better rate and i would like to pay it right away. I spoke to a supervisor named XXXX. I asked him to please provide me a debt letter as well as a letter in regards to our agreement which will state that I am paying them a lump sum of {$3500.00} and they will delete this off my credit report. He told me that by law he does not need to provide anything in writing and they will delete this off my credit report after i pay. I asked him politely to provide me a guarantee that this will be deleted and he refused. I contacted XXXX  and asked them if debt collectors can provide letters stating that after balance is paid they willl delete it from your credit report and experian said yes they must provide you a letter. Please help me resolve this issue. This is the only one account that is ruining my credit. My father had a XXXX XXXX in XXXX and was left a complete vegetable for almost 9 years. in XXXX he passed away and i had a hard time with finances. I am a single mom of XXXX with a good career and trying very hard to improve my credit, so i can be able to purchase a home. I can not afford to hire an attorney. XXXX  recommended i file a formal complaint with your agency
On XX/XX/XXXX, XXXX XXXX EST, XX/XX/XXXX Paypal decided to permanently limit my account and intern withhold the money in said account, a sum of {$11000.00} USD for 180 days ( {$10000.00} of which would have been available for withdrawal under regular circumstances and {$900.00} of which would have been withheld until XX/XX/XXXX, latest, given the aforementioned limitation was not in place ) Contact was made with PayPal via their customer service telephone contact number XXXX XXXX XXXX XXXX XXXX approximately 38 minutes ( XXXX XXXX EST ) after an email re. the limitation was received, in an attempt to resolve the situation. The customer representative who identified themselve as XXXX   notified me that : ( After 127 digital goods transactions, 3 of which resulted in chargebacks issued by the buyer through their financial institution ) Paypal has decided that my social media XXXX business is too risky ( though Ive cooperated in all events by issuing refunds within 72 hours, in most cases within 24 hours ) The representative was unable to provide any sort of resolution and transferred me to the supervisor present for that day whom was also unable to provide any sort of resolution and notified me that there was no one above her who would be able to do so.

Paypal has since decided to continue to withhold my money in its entirety for the aforementioned period and has refused to allow me to withdraw any of it within a reasonable time period.
I have asked West Asset Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
My personal information was hacked from the Equifax system and was discovered in XXXX and we were just notified of it as of XXXX XXXX. They spent over a month knowing this information and not letting us know. It is a HUGE risk for millions of Americans including myself and I am very worried.
I have sent XXXX letters telling them to remove these inquires that I did not authorize they have totally refused to do this that the credit reporting agency has to do this. I want verification of that I gave to them to do a Hard Pull on my credit report, if they don't have this verification I want the inquire to be deleted now off my credit report
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. Bankruptcy XXXX 2. XXXX XXXX 3. Inquiries XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Original SBA Loan amount {$730000.00}, Wells Fargo was the lender. XX/XX/XXXX. I went out of business in XXXX and had a buyer for the XXXX XXXX XXXX but Wells Fargo would not let us proceed with the sale. XXXX XXXX, the vice president who was supposedly helping me went so far as to say any monies the buyers would pay had to come out of a Wells Fargo account. And when she almost agreed to the contract she backed out, saying she wasn't sure the new owners would be successful. But they were not asking to borrow money from Wells Fargo so it was just not related. 
They moved to foreclose on the property. 
I asked the SBA if they could tell me how I owed. They told me my lawyer would have to get that information from Wells Fargo. Wells Fargo would not give us information about how much we owed or the fees they were charging. The SBA does not offer assistance to lenders, just the banks. 
We offered Wells Fargo {$850000.00}. They did not accept the offer. 
Wells Fargo would not tell us how much we still owed on the XXXX XXXX XXXX and Wells Fargo foreclosed on XX/XX/XXXX. They told my lawyer they would not foreclose on my husband 's ranch until after the XXXX XXXX XXXX sold. 
Wells Fargo reported to my lawyer XXXX XXXX that they sold the XXXX XXXX   for {$590000.00}, leaving a deficiency of {$210000.00}. This was given to my lawyer verbally with no details or proof or paper work. I find this astonishing that they refused {$850000.00} and now are allowed to foreclose on my husband 's ranch. 
Now we find out they have a contract to sell the XXXX XXXX XXXX  for " about 800,000 '' according to the buyer. So they will get my husband 's ranch for free, with 65 acres in the Texas XXXX XXXX with a spring fed creek, fenced and cared for by XXXX 's family for over a hundred years. We thought it was safe because we knew the child care was worth more than we borrowed. XXXX XXXX agreed. 
I didn't apply for this loan but I did everything XXXX XXXX, award winning closer, told me to. I told her I had XXXX XXXX, XXXX. She was so sweet on the phone and told me she would help me every step of the way, that I would be a big success. Then when I called her after the closing she told me not to call her again. Her letters and emails were very rigid and business stuff, but her calls were very sweet until I closed and signed everything over.
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED
I sent dispute forms to all XXXX credit reporting agencies notifying them that I have consolidated and paid off this student loan and to update the account, I received back a letter saying the debt have been verified.