WillisBack/dataset-financial-user-claim huggingface dataset:
I have been dispute this information since  XXXX . An account from  XXXX  University  XXXX   XXXX  showed on my Transunion report for  XXXX . I went and viewed a full report and Transunion stated I had an unsecured loan from  XXXX  with  XXXX  University. Ive never taken out the personal loan with them. I called and spoke with Transunion and asked to have the situation investigated in  XXXX . I asked for information as to who they spoke with and how they verified their information. I still have not received any info as to how they verified it. I also told them ( Transunion ) they needed to update or delete incorrect information and the rep told me that  XXXX  was their client and pays them to report information.I spoke with  XXXX  and they verified that it was not an unsecured loan but a tuition bill. This is a tuition bill from  XXXX  not  XXXX . Transunion and  XXXX  University continues to damage my credit report by reporting this as an unsecured loan and that this bill is from  XXXX .  XXXX  University was paid in  XXXX  by a student loan.They were paid in  XXXX  of  XXXX  which is why I got a refund check. I recorded the call with Transunion, I have the documentation from  XXXX  showing it was a bill and not a unsecured loan and an email showing I had financial aid.
OnXX/XX/XXXX, I sought the help of Chase Cardmember Services in an attempt to dispute services rendered from a third party. On XX/XX/XXXX, the dispute was closed in favor of the merchant without any ability to surrebuttal their claims. Because of this, I was forced to re-dispute this transaction on XX/XX/XXXX. On this same day, I provided them with several documents to prove my case and shed light on my side of the situation and was told to call back in two weeks time. Following their direction, onXX/XX/XXXX I called back to check on the status of the case and I was told that it usually takes 30 days for them to reach out to the merchant and get a response. Several weeks later, I called back to check on the status, but was told they never received my supporting documentation back onXX/XX/XXXX and directed me to upload the documentation onto their website. I did as directed and called back onXX/XX/XXXX where I was told the case was actually not reopened. During this call, I had to speak to a supervisor, who informed me that he would ensure that it was reopened and to check back by the end of XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXXstating that the charge would remain valid because " the merchant isn't required to credit your account because the charge took place too long ago. '' Upon reading this, I called back and through probing questions discovered that even though I had spoken to several representatives and a supervisor over the past three months, the re-dispute never actually happened or was implemented. This decision was apparently made by another department based on the documentation that I had uploaded. However, I also discovered that 2 of 3 documents that I uploaded could not be viewed on their system. An issue that was never brought to my attention during the multitude of phone calls in the interim. The representative that I spoke to admitted fault but failed to provide a resolution. When I spoke to a supervisor regarding my concerns in light of this new information, he also provided no solution. 

I recently tried using the Better Business Bureau to help mediate to no avail. XXXX from Chase 's Executive Office was unwilling to help. He kept referring back to the initial dispute that was closed and refused to discuss the re-dispute that was supposed to have been opened on XX/XX/XXXX. All Chase can say is that the dispute can not be continued because too much time has surpassed since the initial dispute. However, the only reason so much time has elapsed is due to Chase not reopening the dispute while providing me with misinformation that they had. 

I have attached a document with a shared drive that has all ofy supporting documentation, including the last phone call with Chase Disputes where they admit fault and not reopening the case, even after several phone calls to different team members over the past 3-4 months, with every one of them informing me the case had indeed been reopened. If prior conversations are requested, I would be more than happy to provide them.
XXXX  has been non-compliant with removing the unverified account CHASE CARD XXXX which has been deleted by XXXX   and XXXX. XXXX and XXXX have both completed their research and determined that CHASE CARD XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Ocwen loan service LLC. I am trying to get a lone modefaction with Ocwen from XXXX, every year i send them money for 6 months, after that they told to reapply. from thaat time to XXXX XXXX. they tole me that i was owen over XXXX. i keep trying with them, XXXX of XXXX they told me my nodefaction was a prove. They told me to send three months payments, and second week in XXXX i will get my loan modefaction. theXX/XX/XXXXXXXX came and did'nt received, i spoke to them, they told me to send out the payment for that month, which i did. XXXX is here, i call them they told me they are sending the papers for me to sign, and it have to be in there office by XXXXOn the XXXX i call them and told them that i did'nt received, any paper work, my modefaction don'n worry he is going to email it to me which i never receive. i receive the paper work on XXXX which i sign a and return it express mail, when i spoke they told me my modefaction was denid. when i spoke to my manager again ehe told me to send out two payments then i will get my modefaction, i told them no i am not sending no more payments, on till. i get my modefaction
On XX/XX/2016 I applied for the Citi Double Cash credit card. I was told that for 15 months I would not get interested charged on purchases or balance transfers. This same information is posted on the Citibank website. I have only had the card for 2 months and the interest rate of 15.24 percent that I qualified has now kicked in after the fact I was told I had 15 months 0 interest. I would like to get some help as this seems to be false adversting. Thank you in advance for all your help
Equifax does not respond to me in writing to provide status of my many requests to delete unauthorized inquiries appearing on my credit report. 
1. XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX2.XXXX XX/XX/XXXX3.XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX4.XXXX XXXX XX/XX/XXXX5.XXXX XXXX XXXX XXXX XX/XX/XXXX6.XXXX XXXX XXXX XX/XX/XXXX7.XXXX XXXX XX/XX/XXXX8.XXXX XXXX XX/XX/XXXX
I received a review the Company response to my previous complaintsand there seems to be Mortgage Fraud going on the note that was sentin by the Bank is a Robo-signed Document with missing initials signed byXXXX. I would request that the original documents be produced or I willbe forced to sue them for Fraud and Untruthful Lending Practices.
In   XXXX  , I contacted my student loan servicer  ( Nelnet )   about enrolling in the  Public Service Loan Forgiveness  program. In order to qualify, I was advised to change from a standard repayment plan to EITHER an extended or income-based plan.  Nelnet  has documentation that this was the advice that I was given. On the basis of this advise, I switched over to an extended plan, only to find out  three years later ( on my own - not through Nelnet ) that the 30+  loan payments I made while working for a qualifying  XXXX  ( c )  XXXX  nonprofit do not count toward the  120 payments that I need to make for my loans to be forgiven because despite what I was told by Nelnet , only the income-based plan - not the extended plan - is considered a qualifying plan under PSLF. I contacted Nelnet  and they acknowledged that they gave me incorrect advice, but refused to take any action to rectify the situation. Who knows how many people besides me are enrolled in extended repayment plans under the false impression that their payments are counting toward their debts being forgiven due to shoddy advice given to them by their loan servicer.
I attempted to close my bank account with First Niagara Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX NY on XX/XX/2016. To date, the bank has failed to provide me with my account balance. They claim a check was mailed on XX/XX/XXXX however it has not arrived and they refuse to stop payment and reissue as I can arrange pickup.
on XXXX 2015, I received a letter from GreenTree stating that they ( XXXX ) at XXXX extension XXXX would help us with our home property to be inspected and condemned as unliveable due to the poor condition of the house. 
On XXXX 2015, I got a call from XXXX XXXX with Greentree now Ditech president 's office ( XXXX XXXX XXXX ) at same number not sure of extension. She informed me that I would need to get the XXXX XXXX Housing Authority or Appraiser or commissioner to help with the inspection because Greentree only does outside inspections not inside inspections of the house. Sir, I have tried to get XXXX XXXX Appraiser, City and Commissioner to help, but no one knows how to go about helping us condemn the house because they have never heard of such a thing. 
Please help us to know how to approach this situation. Right now we are being charged exorbitant home owners ' insurance on the vacant house because it is in a vacant or abandoned situation which we did not want to move but we had no choice since the house was very detrimental to our health and our children 's health. Please help us to avoid further exorbitant insurance costs in fact by the end of XXXX the insurance company XXXX is going to assess a rate hike because they said they can do it? Please sir, the cost of insurance on a falling apart house is not worth the cost of carrying insurance on it. In fact the house payment is probably less than the cost of the insurance at this point.
On XX/XX/XXXX Equifax fixed a dispute on my report involving XXXX XXXX XXXX. XXXX had been applying my payments to the wrong account. XXXX admitted this error and corrected it internally. XXXX has been slow correcting the error with the Credit Bureaus. On XX/XX/XXXX Equifax again listed the account as late. This error is unacceptable the account is not 30 days late. Equifax needs to immediately fix this error. Will be filing complaint with Florida Attorney General.
I refinanced my home mortgage with Freedom Mortgage in XX/XX/XXXX. At that time, I was instructed that I would have to pay MPI for at least 5 years before it could be eliminated as a requirement. The elimination factors for the elimination of MPI were 80 % equity value and no late payments. I have been in communication with the lendor of the course of the 5 years and in XX/XX/XXXX, I was told to write a letter to have the MPI dropped from mortgage after my 60th payment which was scheduled for XX/XX/XXXX. I did so and never heard back. Since then, I've written 4 letters and have had 4 phone conversations. None of my letters have been responded to and I am still paying MPI insurance. When I refinanced, the Home Value Appraisal was {$290000.00} and the refinance amount was ~ {$260000.00}. The loan balance is now {$220000.00}. which has me at 76 % equity value and I have never been late, making additional principal payments the entire life of the loan. I have requested that the MPI be eliminated and all payments starting with XX/XX/XXXX be refunded and applied as additional principal payments. Again, Freedom Mortgage fails to reply to me and take any action to remedy this situation. 
( Note that Freedom Mortgage did an internal conversion about 3 or 4 years ago from their previous processor, XXXX, to their own processing system. It seems that at that time, Freedom Mortgage inaccurately converted my loan balance into the appraisal value field. I have provided them the documentation from the loan closing showing that the value appraisal was $ XXXX, not $ XXXX. I do not want to pay for their conversion error ).
Hello, Suntrust Mortgage Inc services our mortgage loan. In XXXX XXXX, I submitted a request to Suntrust Mortgage Inc to modify our interest rate since our rate would be adjusting XXXX XXXX to a higher mortgage. We can not qualify for a refinance of our loan because we are self-employed. Over the last year we have had XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. We submitted all the documents request by SunTrust Mortgage Inc. regarding our loan modification but have never received an answer regarding our request or follow from any of our XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. My husband and I would like to keep our property but like to modify the rate to a lower rate to be able to keep our property. I am not asking for a principal reduction only to lower our interest rate so we can keep current with our mortgage payments and continue to pay per the terms of our agreement. I would try to refinance but we do not qualify for a regular since we are self-employed. Our payments are not delinquent.
XX/XX/XXXX/XX/XX/XXXX the following inquiries were removed from my Transunion credit report. On or around XX/XX/XXXX, these inquiries were re-added without my being notified in writing per the FCRA Section 611. I would like to have these inquiries removed. 
XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX I attempted to resolve this directly with Transunion to no avail.
XXXX XXXX has been harassing me as well as illegally reporting an " Alleged '' credit card in my name with a past due balance. I have taken all steps including filing an ID Theft Report as well as the CFPB. This has been going on since XXXX of 2018 with them continuing to report this credit card on my Equifax credit report under my name and social security number. They have received direction from the South Dakota Attorney General 's Office stating this is an ID Theft incident and are refusing to comply with the Attorney General 's Office directive. They can not provide any contract bearing my signature, they are not licensed to operate in South Dakota and refuse to follow South Dakota Law or Fair Debt Collection Practices Act, and Fair Credit Reporting Act for the past six months.
On XX/XX/XXXX, I spoke with a XXXX about providing me a goodwill adjustment on my late payment on XX/XX/XXXX for my humanitarian hardship. I was in the hospital for ongoing medical treatment and was late billing my bill. This is the only time I have been late paying since signing up for the XXXX XXXX XXXX. The representative stated that he updated XX/XX/XXXX late payment to good standing and XXXX would report the good standing to the 3 credit bureaus. The late payment is still showing up on my credit reports and I am asking that it be removed as promised.
This company has placed a collection on all of my credit reports illegally. they have never served me with proper notices and have obsessively contacted me and annoyed me to no end regarding an unseen amount I owed to nationwide insurance. I told them I settled this debt and I had no responsibilities towards this any longer. I was told over and over again th at YES this amount was closed with the original company and that they would stop calling and harassing me. Now, I just checked my credit score to  see that they have placed a derogatory account over this small ridiculous sum on my  XXXX  credit reports and it has dropped my score over a  XXXX  points and I am devastated. They have no right to harass me and annoy me and try to collect a debt I had no idea about nor was I properly informed of. These people ruin lives and its not fair
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Have right to prepay mortgage - each time I 've prepaid, mortage payment is not allocated to correct accounts ( eg mimum payment vs. additional principle ). Most recently, although paid ahead two ( 2 ) months, received a notice saying that 'there are unapplied funds ' that they did not know where to place. As each payment has been accompanied by a payment stub that outlines where funds should be applied ( still pay by check ) I 'm confused as to why this continues to happen. Given that they are now holding out funds vs. applying to principle ( as outlined in my payment stub included ) technically means they are earning interest off of the principle amount NOT reduced by this amount of funding/payment being made. Name of mortage company is now Mr. Cooper (  previously, XXXX XXXX XXXX ). They are also stating that there is a 6mo prepayment heirarchy - this is the second item I want to dispute as there should be no cap to number of months that I should, contractually, be able to pay for whatever period in advanced as it is a 'no prepayment penalty ' mortage they are servicing.
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
i HAD WAS UPSIDE WITH THE LOAN IN HAD SPENT {$7.00}, XXXX IN REPAIRS ON THE VEHICLE. AND COULDN'T KEEP PAYING ON THE VEHICLE AND REPAIRS. SO I EMAILED THEM XX/XX/18 AND TOLD THEM I WAS VOLUNTARILY SURRENDER THE VEHICLE. I DROPPED THE VEHICLE XX/XX/18 THEY STARTED CALLING EVERYDAY OVER AND OVER. THEY CALLED MY EMPLOYER TELLING THEM I HAD ABANDONED THE VEHICLE. THEY CALLED BOTH MY PLACES OF EMPLOYMENT AND TELLING WHOEVER ANSWERED MAKING MY PERSONAL BUSINESS PUBLIC. THEY EVEN CAME INTO MY PLACE OF EMPLOYMENT ON XX/XX/18, SHOWED UP TO TRIED TO SERVE ME. THEY HAVE CALLED AND TOLD BOTH MY EMPLOYERS THAT THEY ARE VERIFYING EMPLOYMENT TO SEND FOR WAGE GARNISHMENTS. WHEN THEY DON'T HAVE A COURT ORDERED JUDGEMENT. I HAVE CALLED THEIR ATTORNEY SEVERAL TIMES AND EMAILED THEM TO TRY MAKING AN AGREED PAYMENT PAYMENT PLAN. i WISH I HAD READ THE REVIEWS ON THIS COMPANY BEFORE I HAND. THEY HAVE THE WORST REVIEWS AND WORST CUSTOMER SERVICE. THEY HAVE BEEN SUED SEVERAL TIMES FOR VIOLATING THE FDCAP.
Buyer 's remorse. I ordered a phone from XXXX. When the phone arrived I could not receive a signal at my residence. I had not yet yet disconnected with XXXX which had 3 bars service where XXXX had no bars sitting side by side on my coffee table. I called customer service and tech support and after they could not help me get good service was told to return the phone. I returned the phones to them the next day as instructed. I have copies of both an email and letter from the company saying the phones were received in excellent condition and within 15 days. The law states if I 'm not satisfied with service for any reason I can return the phones. 
Since then I have received letters and called many times trying to fix what I have been told is a glitch in their system. I can not log into the XXXX side of my account. When I call them they tell me they 've fixed the problem. Then a credit agency is trying to collect so they can get money for phones they already have back.
I had to put my home on short sale because Wells Fargo did not want to modify my loan and insisted that I need to refinance instead which would have incur another set of closing fees running in the thousands. They 've given me a Pic A Payment loan and because of this, I was able to pay what I can afford each month and the balance of the interest will go right back into an owed to the mortgage. Needless to say my husband passed away and I was left with XXXX income and my daughter was receiving SSI. I 've sent numerous of papers and statements to them and each time I was told they did not receive it and I have a certain date that my application will expire. They 've given me the run around and put me in foreclosure that I had no choice but to sell it at $ XXXX instead of reorganizing my loan to fit this criteria. My daughter and I had to move with family and put my belongings in storage. I did contact the OCC and they were in touch with them to stop foreclosure, but that was all that came out of it. I will have to find my paper works because I have a feeling my income was inflated to get the original refinance for pic a payment. If this was the case, then I guess I can go ahead with a lawsuit as well and recover my losses.
My credit report has a medical collection which should have been covered by my XXXX coverage ( for the XXXX of my XXXX ).
The original creditor was XXXX XXXX XXXX.
They sent the bill to : Syndicated Office Sy XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX The collection account was opened on XXXX XXXX, 2012 for {$4000.00}.
I 'd appreciate your help in removing this collection.
Original complaint case number XXXX. 
As I have explained in my response from Webster Bank I have given the information they requested five time - the last was to XXXX XXXX a supervisor with HSA Bank and the problem WAS NOT solved. I feel like Webster / HSA Bank can not solve the problem - this feels like how far can you lead a XXXX without a rope and I am the XXXX XXXX - Going through the same problem solving procedure five times with five different customer service people and still getting the same result of no access to my account DOES NOT SOLE THE PROBLEM. What do I do not???????
First contacted XXXX/XXXX/16. Goes by numbers ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Asked for information from them and said they were First Recovery. Wanted to verify my social security number. Asked more questions and little or no response. Called again and was addressed by a different name. Representatives spoken to named XXXX ( twice ) and XXXX. Threatened to call the police last spoken to and ended conversation. Reporting immediately.
I keep getting the same response, but, yet they have never been able to verify that this was a legitimate joint account! This is abuse, I have asked that this be completely removed from my report since there is no proof that this was my account. They have not provided anything with my signature on it or any other documents of any kind. 
Now when is XXXX  going to be held liable for reporting false information?
I was rear ended in a car accident on XX/XX/2019. I went and received medical attention on XX/XX/2019. I filled out of the form with information from the other insurance company. Today on XX/XX/2019, I received a certified letter in the mail from a collection agency named XXXX XXXX XXXX XXXX, XXXX TN stating they put a lien on my house for medical bills unpaid. First of all, I never received a bill from the hospital to pay anything. I called the other parties insurance company and they stated they never received any bills from the hospital. So the hospital never sent out any bills but immediately turns it over to a collection agency who states they filed a lien on my house. At the top of the letter it states they filed with the county clerk in XXXX XXXX. My house is not even located in XXXX XXXX. I, then call my local property accessors office and ask if there has been a lien placed on my house and they say no there is not a lien on my house. So this collection agency is using scare tactics.