WillisBack/dataset-financial-user-claim huggingface dataset:
A few weeks ago, I started to receive letters from Credit Corps Solutions XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX claiming that I owe them {$290.00}. According to their correspondence, on XX/XX/XXXX this debt was assigned to them.The original creditor was XXXX XXXX and according to them I had a XXXX that was applied for and immediately a purchase of {$140.00} was charged on it at XXXX on XX/XX/XXXX,  on the same day and at the same time. 
The first week of XXXX, was the first time I ever heard of this situation. Not once did I receive any statements for a XXXX XXXX XXXX charge with XXXX XXXX. Additionally I never received an actual, physical credit XXXX XXXX XXXX. 
On XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Credit Corps tried to contact me by phone, sometimes several times a day. I did not pick up at first because I thought it was a scam since they used local phone numbers, they also used a different phone number every time they called. 
On XX/XX/XXXX, I received 10 attachments via email : invoices I had never seen before. 
I requested a receipt for what was purchased, which I never received. 
I contacted XXXX XXXX on Friday XX/XX/XXXX in an attempt to clarify the situation.I was referred to XXXX XXXX and was given a XXXX XXXX XXXX XXXX XXXX to send requests to get my so-called application of XX/XX/XXXX. I also contacted Credit Corps today, XX/XX/XXXX in order to clarify the situation, I spoke to XXXX. If this debt were valid, I would have paid it the moment I got the first statement in the mail in the month following the purchase. I just received documents from Credit Corps today including an affidavit of fraud form, since this was recommended by the customer service agent of XXXX XXXX   when I talked to them last Friday. It also includes terms and conditions of said credit card. On these it states '' We will not charge you any interest on purchases if you pay your entire balance by the due date of each month. '' " Each account holder will receive a card. '' Like I stated earlier, I didn't receive any statements at all, nor a card. 
Please note, if I were sent a statement, I would have paid the amount in full, immediately. I am not out of integrity here.
Since filing chapter XXXX in XX/XX/XXXX, all three credit reports were correctly reported for my account with XXXX/XXXX XXXX, which was included in bankruptcy. Beginning in XX/XX/XXXX, only the Equifax report was changed from bankruptcy status to charged off/collection status for my XXXX XXXX account. I contacted XXXX XXXX XXXX two months ago to request that my Equifax credit report be updated from charge off collection/skip status effective XX/XX/XXXX to correctly report account as included in chapter XXXX bankruptcy. The XXXX XXXX account was removed from my Equifax report twice in past two months, but again on XX/XX/XXXX, the account is showing charge off collection/skip status, resulting in a 80-point drop in my credit score due to a COLLECTION for {$5100.00}. 

Since the bankruptcy trustee began making additional payments to XXXX around the same time this problem began, it appears that my XXXX XXXX account is included in some type of automated monthly reporting system which provides inaccurate information to Equifax. Since being removed from Equifax, the collection status information has re-posted to Equifax three times during the first week of the past three months. XXXX advised me to dispute with Equifax ( copy of email attached ). I have disputed with Equifax previously with no success -- only XXXX can update my report. If my Equifax report continues to show unlawful information for my XXXX XXXX   account, which is included in my bankruptcy case, I will be filing a civil lawsuit for violation of Fair Credit Reporting Act and violation of Federal Bankruptcy Laws. My patience has run its course!!
Name of Bank : First Charter ( initially ) then Fifth Third Bank bought out XXXX XXXX XXXX XXXXt : XXXX XXXX XXXX and XXXX XXXX XXXX Account # XXXX Amount Financed : {$150000.00} APR : XXXX  % ( {$61000.00} ) No. of pmts : XXXX ( originally XXXX XXXX XXXX XXXX with Fifth Third ( I was given no explanation for this added pmts. ) Total of pmts : XXXX Date of Loan : XX/XX/XXXX thru XX/XX/XXXX This loan was supposed to be paid off in XX/XX/XXXX. I was originally suppose to make XXXX pmts @ {$1100.00} and to be notified about the amount of the last payment. This should have been in XX/XX/XXXX. I continued to make monthly payments because I was not paying attention and did not pull the original loan papers. Fifth Third sent me a letter on XX/XX/XXXX. They notified me that I would owe a balloon payment of {$41000.00} due to the increase in the prime rate. I was never told about a balloon payment and Fifth Third never notified me of such. As of XX/XX/XXXX I have made XXXX payments even thou I was only supposed to have to pay XXXX. I have met with the bank manager but was not satisfied with the outcome. According to Fifth Third I will have to pay the balloon payment in XX/XX/XXXX. The tax value of the motorhome is only {$7800.00}. I feel that XXXX XXXX nor Fifth Third have informed me of a balloon payment, I would have never agreed to such a thing. There is a waiver in the note giving the bank the option to do the right thing, but they haven't shown the ability to do the right thing.
I am writing today because I have been a victim of identity theft. I have made many disputes and faxed in a police report to Equifax with the following item to be removed from my credit report on XXXX/XXXX/2015. They are refusing to remove these items from my credit file because they are stating that they have investigated the accounts and that in fact they are my account which they are not. I have made a complaint with the Federal Trade Commission and received a letter from them to send to the creditors. I have mailed and faxed all the creditors the letters and they have not updated my account. I am working on getting a loan and these fraudulent accounts are stopping me from getting the loan. The items that I am requesting to be removed are as follows. I am requesting the following items be removed from my credit file. 
XXXX. XXXX XXXX XXXX Account # XXXX. XXXX XXXX Account # XXXX. XXXX Account # XXXX. XXXX XXXX Bank Account # XXXX. XXXX XXXX Bank Account # XXXX
Midland Funding has put on my credit report saying I owe them {$4400.00} dollars and changed the date of when I opened an account as XXXX XXXX, XXXX. I never opened any account back in XXXX the whole year for credit card or anything. I think this possibly is an old debt back with XXXX XXXX in XXXX so they have no right to put this negative information on my report. I want them to delete this inaccurate information ASAP so I 'm sending this to you and also will send them a Debt Validation Letter.
I have asked United Revenue Corp to validate a collection they are reporting on my credit reports on 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.
I sent a dispute to Equifax based on inaccuracies being reporting by XXXX XXXX XXXX XXXX XXXX. My account with XXXX XXXX XXXX XXXX XXXX is set up on automatic payment deductions, bi-weekly and the Credit Union failed to take out the payments, which resulted in late payments being reported to the XXXX major credit bureaus. I spoke with XXXX in the loan department at XXXX XXXX XXXX XXXX and asked her to correct the information. She indicated, XXXX XXXX XXXX XXXX would correct the inaccurate reporting when disputed when the XXXX credit bureaus. XXXX stated, the credit unions policy is to have the consumer send in the dispute and when contacted by the Credit Bureaus, they will report the account as on time and asked that the information be corrected in my credit file. 
It is my understanding when XXXX XXXX received the dispute, they requested the information be corrected, to show on time payments. However, Equifax deleted the account in question, as well as deleted XXXX other accounts with XXXX XXXX XXXX XXXX. XXXX secured installment account reports ; " Paid in full with on time payments '', the XXXX account is for an auto, which is open and show on time payments since XXXX XXXX and the XXXX account in question, is an unsecured installment account, opened in XXXX XXXX and should have shown on time payments. A total of XXXX accounts were removed with perfect payment history as a result of my dispute. The removal of the XXXX accounts from my credit file, is highly injurious to my credit rating and did reduce my score, contributing to my inability to secure a mortgage recently.
I have a derogatory remark on my credit report. I had a surgery that began in XXXX and carried over until XXXX. I paid my deductible, but then the company argued with me that I had to pay it again. I was told my the hospital administration check in that I would not have to pay XXXX deductibles, since it was related and on-going. I was given a summons and immediately paid the debt. How and when can I get this derogatory remark off of my credit report?
On XXXX/XXXX/2016, at Navy Federal Credit Union ( NFCU ) 's branch located at XXXX XXXX XXXX, XXXX, VA XXXX, I submitted a request for XXXX bank wire transfer to a bank account in XXXX. I was told that it will take XXXX7 business day. It 's advertised on their website https : //www.navyfederal.orgXXXX. I 've been calling NFCU since XXXX/XXXX/2016 and I was being jerked around by them since then. On XXXX phone call dated XXXX/XXXX/2016, I was told by the representative that it 'll take XXXX8 business days. I told her it 's not true and requested to speak to her supervisorXXXX. He told me it 'll take XXXX4weeks. I replied that it 's ridiculous and they 're jerking me around. He promised to get back to me on the XXXX/XXXX/2016, XXXX that he will give me a call to update the status. He never called. Another XXXX XXXX called and claimed he was assigned to this case. NFCU is unable to locate the where about of my monies and claimed that they only let XXXX XXXX to handle the transactions. There 's no way to find out the status of the transfer, except to wait for their reply. I have n't heard from them this morning. I 'm upset with the entire incident as to how can a Credit Union 's only reply to their members on this incident as they had no idea where the monies are. I really hope the Bureau is able to assist me on this incident. Thanks for your time to read my email.
My lender, J P Morgan Chase, has coerced and intimidated me, through the threat of impending foreclosure, to agree to a modified replacement of my existing mortgage with them; which is highly predatory and inherently illegal, since the monthly payment exceeds the amount we discussed during the "trial" process, and since the payment exceeds my total gross income, a situation of which they were, and are, completely aware. They have refused to do anything which would make my mortgage affordable, or to concede that this modification was handled improperly. It is called "Streamlined HAMP", wherein the "A" in HAMP stands for "Affordable", which it undeniably is not. In addition, they are defrauding the XXXX and taxpayers by collecting compensation, as both servicer and investor, for setting up and administering a mortgage, which clearly violates the intent of the XXXX program, if not the actual letter of regulations. Since the mortgage amount exceeds my total income, it is absolutely impossible for me to satisfy it, and I will unavoidably be in foreclosure in a matter of just a few months, and will then be both homeless and destitute, at age XXXX and in failing health.
My mortgage loan was sold to Specialized Loan Servicing XXXX, 2016 from XXXX XXXX XXXX XXXX XXXX . I was not given the appropriate 30 day notice per Tennessee law My wife has had a XXXX XXXX, she is unable to work. My wife has to have medical care and medication monthly that is not covered by my insurance. I requested a mortgage modification from my previous servicer. I have faxed request for modification to my new mortgage company. Please assist in this urgent matter. 


Thank You
I was called by IQ Data International In in XXXX WA on my cell phone in XX/XX/XXXX. I was told I owed {$74.00} for some debt from an apartment I had rented and vacated in XX/XX/XXXX. I asked why it was so late in the game I was being notified. I was only told the debt went to collection. I have never received any kind of notice in writing nor anything to show what I am being charged for. I had emails from the rental property after I left to confirm they received my keys in the drop box, and nothing more was said about owing any additional money. In fact I paid additional rent for 3 months because I did not renew or extend my lease. Now during the same month this debt was put on my credit record and will potentially harm my employment and security clearance. When I spoke to these people they mentioned a carpet cleaning which I then informed them I had paid to have it done when I moved in, and when I left, 3 people who helped me move witnessed the condition of the apartment and carpet which did not need cleaning. Also the management never informed me of any cleaning charges which normally are incurred when there is damage, etc. which there was none. I am very upset that there was NO written notice, NO advance notice, nor ANY written description and or bills, statements of charges the collection company is seeking almost a year after I have left the state and the area. I do not pay debts to unknown parties over the phone. This company took the liberty to state I owed money without anything in writing then slapped it on my credit report without any response or opportunity on my part to dispute or know just what I 'm being charged for with sufficient documentation and evidence.
XXXX   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . T  XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XX/XX/XXXX ,  XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .  XX/XX/XXXX   XXXX   XX/XX/XXXX .  XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX   XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .  XXXX  XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX   XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX .   XXXX   XXXX    XX/XX/XXXX . This company, which I hold no contract with nor have received services from reported inquiries against my ssn with TransUnion,  XXXX , and   XXXX    credit reporting agencies. I have requested verification of the accounts, however the businesses failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to have these hard inquiries. I demand the businesses remove the negative report against my ssn at any credit reporting agency, including but not limited to TransUnion,  XXXX , and  XXXX . In addition, the businesses agrees to have no contact in any form with me regarding these accounts now or in the future. They agree to remove my personal information from all accounts in The companies database. I had a problem with these a while back they was deleted and due to TransUnion and  XXXX  glitch in the system they were added back on my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally readded. These inquiries are adding a hardship on my credit and I feel my rights were violated by TransUnion and  XXXX  I wish that TransUnion and  XXXX  would stop victimizing me. As a resolution I wish that all of my inquiries be deleted permanently from my report as a violation took place when they were illegally added.
I recently received a copy of my XXXX, Equifax and XXXX   credit reports. Each credit report shows more than XXXX inquiries ( XXXX from XXXX, XXXX with Equifax and XXXX with XXXX  ) that I do not recall authorizing. I understand that creditors or lending institutions are not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my Equifax credit file. XXXX and XXXX is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on XXXX  or XXXX. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on XXXX  : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on Equifax : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XXXX XXXX, XXXXXXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.
X/XX/17  Consumer finance had my vehicle repossessed. I was a month and a half behind on payments I do n't believe the vehicle should have been taken. I have n't heard from Consumer finance and when i did try to call i spoke with a  XXXX  and he kept hanging up on me. I asked him what i need to do to get my truck back and or to get my personal property and he said i can not it has already been put up for auction. He then hung up on me again. Again i have not received a phone call or letter about the next steps i need to take. This is why i called them. I am going to talk with a lawyer about getting my personal property back because it is illegal for you guys to take it. Please let me know what i can do. i am also contacting the attorney general and BBB. Thank you
On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They  refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.
I have a loan with XXXX XXXX XXXX. 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 and XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
XXXX XXXX XXXX billed charges initially to to the wrong Insurance company when they should have sent the bill to XXXX. Before they fixed that they sold their billing to a collection agency. XXXX XXXX submitted the bill to XXXX and was paid by XXXX. They subsequently sent me back a refund for the overpayment I had made. XXXX XXXX, the Collection Agency does not recognize that and is using Transition as muscle. I sent All three reporting agencies the details and XXXX along with XXXX fixed the problem. TransUnion did not do anything with it and continues to report negative collection information. XXXX XXXX refuses to acknowledge any facts.
I have tried on  3 different  occassions to resolve this matter of inaccurate accounts being reported on my credit report for  XXXX  accounts listed for  XXXX   XXXX  in the amounts of {$140.00}, {$430.00}, & {$130.00}. I have no idea what these accounts are for I previously sent a letter to  XXXX   XXXX  and never received a response. After not receivng a response  I sent 2 let ters to all  XXXX  credit bureaus and to date I have not had any recourse. The acocunts has been updated as meeting FCRA requirements however I have n ot received a contract or any documentation bearing my signature. I requested the CB 's provide me with the documentation and information they used to validate all   XXXX   of these accounts. Under the FCRA 611 ( a ) I also requested the method of validation that was used. Who, where, and how was my dispute forwarded  to this company and who, how, and when did the company responded. To date I have not received either, therefore the credit bureaus are violating my rights.  On 2 seperat e occassions I received a letter stating that my dispute could not be investiaged because the address on file was not listed but that is a lie the address  XXXX   XXXX   XXXX   XXXX  is listed on my credit report please see attached copy. I am under no lawful obligation to provide any more personal information besides my social security number and I will not do so.
Mortgage lender Regions Bank, XXXX GA, violated the FTC Safeguards rule by sending my entire loan application with account numbers and social security etc via unsecure email attachment with no password protection after I asked them to fix secure transmission and explicitly told them not to email the application with no protection. FTC website sent me here.