WillisBack/dataset-financial-user-claim huggingface dataset:
I am trying to get a short sale done. The lender is not responding to our request. 
I am a sale date of XXXX XXXX 2016 and BSI Financial will not give me any status on the process. I have a willing buyer that submitted a offer over a month ago and we have not gotten any response. Who can help me?
This company never informed me of any such debt but has accounts in my name on my credit report from XXXX. I have reached out to this company years ago XXXX/XXXX/XXXX to get this removed and I was told it was taken care of. Today XXXX/XXXX/XXXX I speak with a XXXX at this office and I am giving her information about this account and she acts rude as if she did n't want to give me her name and cuts me off several times before I can finish my full story. Then she just leaves the phone and put another person on the phone playing as a manager. XXXX XXXX. He was a better listener to my concerned however all information he provided of me was INVAILD. The medical bill that I was being billed for he did n't even have my insurance information correct. But tells me he ca n't do anything to resolve the information. All collections agencies by law are suppose to provide me such information showing what I owe how and why. He did not offer a dispute to contact the original biller or anything. He listen to what I had to say but came across unhelpful and extremely rude.
I applied for a chase freedom credit card ( about 6 months ago ) under a promotion where they were offering a {$200.00} bonus if you spent {$500.00} or more within the first 3 months. I fullfilled my obligation for receiving the {$200.00} bonus, however, Chase refuses to give me the full bonus. They say the {$200.00} promotion was no longer valid, even though the {$200.00} promotion was still available online and at no point when I opened the account did they tell me the promotion was invalid or had expired. I have tried to resolve the issue with Chase by sending them XXXX letters ( XXXX/XXXX/XXXX & XXXX/XXXX/XXXX ), along with a copy of the promotion I applied to. I feel Chase should honor the promotion I applied to and credit my account the remaining {$100.00} bonus it owes me.
In XX/XX/2018, I disputed a collections account with all 3 credit bureaus where Cavalry Portfolio reported that I owe money in the amount of {$1400.00} on behalf of XXXX. As a result Cavalry Portfolio updated my account with a note saying they conducted an investigation and that it met the FCPA along with claiming I made a payment to them which I did not along with my account being past due. I also sent a letter to Cavalry in XX/XX/2018 requesting them to validate the debt which they ignored and just sent me a bill. 

The XXXX account that Cavalry claims I owe money to is not on my credit report. XX/XX/XXXX I contacted XXXX and requested any documentation they may have but was told they did not have any current information where I owe a debt. The last account I had with XXXX was closed out over ten years ago which would exceed the statue of limitations for appearing on my credit report. 

I have not been provided any information to show that I owe this debt and that Cavalry is licensed in the state of Florida to even attempt to collect the debt.
Debt from XX/XX/XXXX-XX/XX/XXXX Back then I wasn't to aware of how credit worked, nor did I receive counsel. Not only that but the information given on my report is incorrect and it took many attempts to reach these people to have them update the information. Even now when an account was charged off and XXXX XXXX these 3rd party companies still are on my report trying to get money from me. I asked for original signed Contract documents and they send me bills instead. Then tell the credit companies everything is accurate when it is not. I'm asking to at least pardon these charges and wipe them off my report so I have a chance to start a new. The companies are XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX  which I actually found out wasn't suppose to offer me a credit card in the first place due to my living in XXXX XXXX XXXX.
I have disputed several errors and duplicates on my report, TransUnion has failed to provide me a response to my disputes. They have accounts on my report from dates that are not valid or I was not living in the state of Arizona at the time so they do not belong to me. They have duplicates, they fail to investigate correctly. They only allow one dispute at a time on-line, I sent them a letter and still no resolve.
NONE OF YOUR CATEGORIES FIT MY PROBLEM. 
I am trying to apply for health care. My identity is apparently verified through Experian. I am told I have to lift my credit freeze, for which a fee is charged. I believe there should be no fee related to health care identity verification. I am unable to find ANY TELEPHONE NUMBER THAT WILL CONNECT ME WITH A HUMAN at Experian so that I can try to resolve this issue. I have been unable to find any other source of information about this problem.
I began disputing the Commonwealth Financial entry on that is reflected on my credit report in XX/XX/. I retrieved a copy of my credit report on XX/XX/XXXX and noticed that they had placed an entry on my reports that was inaccurate, unverifiable and erroneous. The bureaus responded by stating the account was verified. To that end, I submitted a letter to Commonwealth as recent as XX/XX/XXXX. This letter was sent certified with a return receipt. To date, I have not received any correspondence from this company. 

This baffles me as to how the credit bureaus were able to verify the information yet the company has not responded to my request? Further, Commonwealth placed this entry on my report without sending me a dunning letter informing me that they were attempting to collect a debt. Hence, did not allow me the opportunity to dispute the validity of their claim. Further violating my consumer rights. Too, I have never did any business with this company, never heard of them, nor have I signed any contracts with them. 

DELETE THIS ERRONEOUS, UNVERIFIABLE, INACCURATE ENTRY FROM MY CREDIT REPORTS.
XX/XX/XXXX I am written on behalf of my student loan that I filed bankruptcy on in XXXX due to unduly hardship I had not worked three years prior to filing bankrupt nor worked a year half proceeding bankruptcy. My student loan was not under Navient at the time it was in a collection agency by the name of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX. In which I filed. 
Since filing bankruptcy, Navient has pulled it out bankruptcy reissuing the loan a new account number making it appear as if it was not included in the bankruptcy because the account numbers do not match the previous collection agency number. My issue and concern is I filed bankruptcy on this loan several years ago and I will like this account to be closed and removed from my credit report. 
I have attempted several times to inform Navient about this account however, they continue to tell me the account numbers are different.
Equifax found out in XXXX that they had been victim of a hack that exposed my personal, identifying information as well as my credit report. My information has been confirmed to be included in the hacked information. I have been a victim of identity theft in the past, and the most recent incident was around XXXX, when the hack took place. Equifax should have notified us as consumers about the hack as soon as they knew ; instead, they chose to sell their stock and hold onto this information until they deemed it necessary to let the cat out of the bag, exposing me and millions of others to potential theft and loss of funds. I have personally lost several hundred dollars in fees and interest to people who stole my identity since this breach took place.
I started getting calls about 3 weeks ago and since I was ignoring them they decided to start calling my family members. Very crude messages are being left stating that I owe money for a loan that I took out with a company called XXXX. The original loan amount was {$1200.00} however I now owe {$300.00} because I paid the rest. 

When I spoke to the lady XXXX I advised her that she had the wrong person and she told me that she did not that she had spoken to me before and I was disputing the remainder of the loan. I told her that she never spoke to me however she called me a liar and stated that she will just put down that I am disputing the loan, she then hung up on me. 

After hanging up on me, she called my XXXX aunt and started telling her that I 'm going to jail and that she should either pay the bill for me or talk me into paying it. I told her to not answer those calls and do n't give them any money that I did n't owe this mysterious debt and I was n't paying it. I just got a call from my mother stating the exact same thing that my aunt said. I do n't owe this debt and I want them to stop calling me.
This is a fraudulent account that is being reported and in collections with XXXX XXXX XXXX. This account has been in collection since XX/XX/2017 and I have never received the proper information to report this as fraud and identity theft. I have tried to take care of this matter directly with XXXX, in addition to disputing it with Equifax, XXXX and XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I spoke to an agent over the phone with XXXX and sent out letters to the companies to delete inquiries that are not mines on my report. The agent would not help me and I did not get a response from the companies in writing, it been 45 days. 
Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Americollect keeps calling about collection accounts even after I told them I requested debt validation. I don't know wha the amounts or accounts are because they have to responded to the debt validation letter yet. I sent them another letter certified mail asking again for debt validation and not to be called anymore until I receive it and have time to review it. They received the letter today and I just got another call from them, about the 5th call today and at least 15 calls over the weekend. This needs to stop its harassment, they need to respond to my request and only contact my mail like requested.
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
I keep getting calls from a company claiming to b e Wakefield and Associates, from   the number  XXXX   XXXX   XXXX   XXXX   XXXX  about an attempt to collect debt. I am not delinquent on any debt and have checked my credit report. I am in good standing on every single loan I have. They have not sent mail about what I supposedly owe and they do n't answer when I call back. They have called last night at  XXXX   XXXX  on a Friday, again on  XXXX / XXXX / 17 , and on  XXXX / XXXX / 17 . They are well past the 5 day limitation for sending a letter to explain what I supposedly owe. I think they are a fake company because the number does n't match what is listed on their website.
I have a thirty year fixed mortgage with Shellpoint. XX/XX/2015, mortgage payment increased from XXXX to XXXX. Payment was increased due to increase in escrow amount. When I refinanced the loan I was given the option of palcing any increased escrow amount to the back end of the loan.That is how I wanted the icrease in escrow to be addressed.They are also charging a XXXX service fee for processing my payment through XXXX XXXX XXXX.
I foolishly in desperation took a payday loan with an online payday loan company. I borrowed {$300.00} and the interest rate and payments are astronomical. I live in South Carolina where the limit is {$15.00} per {$100.00} borrowed. On a {$300.00} loan I should have to payback {$340.00}. I have mailed my first payment of {$90.00} as I revoked this company 's ability to debit my bank account. My remaining balance should be {$250.00}. The payment of nearly {$200.00} per month is excessive, predatory and pure greed. I will pay {$25.00} every two weeks beginning XX/XX/XXXX until the {$250.00} is paid off. This company calls and emails me endlessly. It's predatory and greedy and takes advantage of individuals who feel they have no options.
My school loan from XXXX XXXX XXXX XXXX was supposed to be in forbearance for twelve months. However, they had been in repayment status because a six month forbearance was applied. During the time of repayment, I never received correspondence from XXXX XXXX. It was not until I applied for a mortgage that it was brought to my attention I was over 90 days late on a XXXX XXXX payment and my loans were no longer in forbearance. I never once received a phone call, email or letter regarding the repayment status of my loan. My monthly payments are only {$50.00}, the cost of the monthly payment is not the issue. 

Since XX/XX/XXXX, on several occasions, I have tried to work out this issue with XXXX  XXXX XXXX. They applied a retroactive forbearance to my loan, which covered the dates that were reported 90 days late on my credit report. I have written two letters and been in contact with several XXXX  XXXX representatives requesting a goodwill adjustment to my credit report with all three credit bureaus and XXXX XXXX keeps denying the request. A goodwill adjustment is allowed one time by the U.S Department of Education, but XXXX  XXXX to denies the request every time. 

I tried to resolve this issue by taking another route and dealing directly with all three credit bureaus. I requested written letters from XXXX  XXXX XXXX showing all the dates of my forbearance, include the retroactive forbearance that was applied to my loan. If I can show proof to the credit bureaus, they will make the adjustment to the reported 90 day late. 

On XX/XX/XXXX, I was told on by XXXX  XXXX that it would take 7-10 business  days for me to receive the documentation. As of XX/XX/XXXX, I still have not received this correspondence from them, they have yet to provide me with the information I need to clear up this matter with the credit bureaus. 

I have never once had a late payment with XXXX  XXXX XXXX and have no late payments on my credit report over the past ten years. It is crucial that I get this fixed as it may hurt my chances with potential employers, and has already stopped me from getting a mortgage. As of today, XXXX XXXX XXXX is still not complying with any requests and continues to refuse a one time goodwill/credit adjustment. They are making this process impossible.
XXXX reports FICO score to Wells Fargo which allows me access to it. My credit rating throughout the last year was steady at about 825 ( see attachment ), then in XXXX, inexplicably, my score tumbled to XXXX. Shocked by the rapid decline, and knowing there were no triggering events, on or about XX/XX/19, I reviewed my credit reports from XXXX, XXXX, and XXXX. All were stellar -- no defaults, all bills paid on time, all closed accounts were left in good standing. I called XXXX, Wells Fargo 's supplier, to complain, and they threw it back on the bank, which in turn blamed XXXX.
I believe after much research this has to stop. Upon reading I feel so bad for these peoples families that have been financially crippled.. they are either hacking into the government system or they are paying people ( MOLES ) that work in these Banks to look people 's information up and supply them to Pressler and Pressler.  There is absolutely NO WAY, they could get your personal information. 
Judgements are being placed against consumers without them knowing, I would sware o the XXXX I do n't know what it is, they are levying, garnishing wages its terrible without any fair notice and its out of control. They are trying to garnish wages ... the funny thing is, when you try to get information from them about the debt, where it 's from ... they give you no information. They are and we will get it from you. its truly amazing this is where we stand together : 1st sign this Petition against them : XXXX XXXX XXXX 2nd file a complaint with the Attorney General 's Office, do a search for your state and file a complaint.
3rd file a complaint with the FTC : http : //www.ftc.govXXXX 4th file a complaint with the BBB : o information on
Ive requested for you to provide me with an original contract along with several documents for the account you claim that I owe. Its been more than 60 days and I havent received any mail on the erroneous account you claim that I owe. This is my third attempt to reach you. I am sending this as an internal dispute and an affidavit. I have been a victim of the credit breach and the fraud. I have been living at this address for over a decade. The account listed under The XXXX XXXX XXXX. XXXX and Experian removed the erroneous information on their ends and you continue to disobey the law. I am unaware of this account and I seek to claim fees of {$5000.00} for damages youve caused my credit file and erroneous information you continuously report. I am disputing the following account The XXXX XXXX XXXX and unauthorized inquiries 1. XXXX XXXX 2.  XXXX XXXX
After many hours of studying the law and research of the protection consumer laws, I have sent several letters to  XXXX   XXXX  and Experian regarding fraud on my credit report related to an address in  XXXX , IN. Four  XXXX   XXXX  student loan unverified with no contract or proof, with a letter from the Office of  XXXX   XXXX . The account history is not accurate on the credit report, it has statements they say loans are 100 % paid in full and also states I have made 0 % of payments on time, the letter I have is in conflict with the reporting information. I also have  two  fraudulent bankruptcie s 1  on   XX/XX/XXXX   and the 2nd on   XX/XX/XXXX  . In addition the judgement on the credit report is n't correct and the alleged claim was supposed to be remove, they have not followed through on their agreement. I have not filed any bankruptcies and have given them proof of the fraud. This is an issue that has happened before and I came to th e Consumer Financial Bureau to  get assistance when these agencies are n't following the proper rules laid out by  Congress  in the FCRA and FDCPA.
I took out a payday loan ace cash advance and they said I could make payments when the due date came I tried to make a payment and they said I had to pay in full or they will take the whole amount. I had to close my account due to this and since it happened over 2 years ago and since then I have filed and discharged bankruptcy they are still continuing to harass family members and threaten with legalities about 9 months ago my attorney did call and leave a message with them stating this information and they are still doing this
I find it deeply concerning, while making amends to my bad credit due to a loss of my job in XXXX, that I am unable to obtain a lender 's blessing for a mortgage! Posted all over the internet are the claims of obtaining a mortgage even with bad credit! After 4 different applications no one is willing to give me chance!! XXXX receive second chances or even more regardless of their past behavior. Why ca n't I obtain a First Time Homeowners mortgage after a ONE time issue in my life with credit that was n't my fault? Please tell me who will give me a mortage with my credit?
I have explained numerous times that this BK reporting on only Experian for the last 6 plus years is incorrect. I states I filed a BK for {$0.00}. I asked Experian how are they getting their info. They said they use a 3rd party source because BK Courts do not give this information out because of consumer privacy laws. I want this BK removed from my Experian Credit Report because it is inaccurate and not to mention have harmed me from getting financing. Why is it that ONLY Experian is reporting this over the last 6 years. I am tired of talking with Customer Service overseas. BK Status : Dismissed Date Filed/Reported : XXXX.XXXX/XXXX this shows on my credit report Reference number : XXXX Closing Date : XXXX/XXXX/XXXX Asset Amount : {$0.00} Court : US BKPT CT TN XXXX
Equifax wo n't allow me access to dispute items in my file online, even though I 've given Equifax the documentation requested. After receiving both letters, I mailed the requested documents and I still do n't receive any assistance. 


Equifax also reinserted the XXXX XXXX Bank account into my credit file without informing me. This account had been previously deleted. Since Equifax did not inform me within 5 days that the information was being reinserted into my file Equifax is in violation of the FCRA.
I have a student loan from the Alaska Commission on Post Secondary Education that is currently in forbearance. Apparently, they sent me a letter that was returned to them XXXX probably delivered to the wrong house ) and instead of calling me, emailing me, or attempting to contact me, they began harassing my extended family members and all educational institutions where I have previously been enrolled. At the same time, they have not once tried to contact me-and I 've verified that all of my contact info on file is correct. I did not receive a single phone call or email from them until yesterday XXXX XXXX XXXX ) which is the same day that my family members received their letters from XXXX. More importantly, my loan still in forbearance, meaning that there is no payment due. My next payment is not due until XXXX. I would like to file a complaint because I feel like their harassment of my family-including my XXXX year old grandparents-is a violation of my consumer rights.
In or around XXXX 2016, I paid the credit card balance in full for the amount of {$640.00} for my membership in this correspondenc Accounting Course. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory account from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.