WillisBack/dataset-financial-user-claim huggingface dataset:
I am a cosigner on two of my daughters XXXX XXXX Accounts XXXX and XXXX. 
On XXXX at XXXX XXXX I received a call from XXXX XXXX regarding my daughters accounts and that she was applying for a new repayment plan. The call was to determine if I could make her payments based on my retirement income and expenses. After a long conversation and based on information I provided it was determined I could not and that my daughter would be granted a reduced payment for both accounts. 
I was also told if she made three consecutive payments there would be no reporting of late payments to the reporting agencies. All reporting would be put on hold until one of the three payments was missed. They have not been missed and the third payment will be made in the next 3 days. 
A couple of weeks later I received a notice that the account was late and would be reported. I contacted my daughter and she called XXXX and was told there would not be any reporting as long as she made the 3 consecutive payments. 
I called on XXXX at XXXX XXXX and was told not to worry there would be no reporting of the account being delinquent if the payments were made as agreed. 
I called again on XXXX at XXXX XXXX  and again was told the same thing. 
I received a notice from XXXX on XXXX informing me that the account ending in XXXX was 61 days late and my FICO score dropped XXXX points. 
I called XXXX XXXX and spoke with XXXX XXXX, ID XXXX, and she checked told me I had to send a letter to XXXX. I said I would not because this was their mistake and they had 24 hours to correct it. She agreed it was XXXX 's error. After speaking to her Supervisor she told me they were forwarding my issue to their management team for action. As of XXXX the reporting to XXXX   has not been corrected. 
They have basically destroyed my credit rating because of their error and they breached the contract they created with my daughter and myself and need to be held accountable.
I FILE AND EARLIER COMPLAIN ON THIS ISSUE AND THE ISSUE HAS NOT BEEN RESOLVED. ON XX/XX/XXXX MY CAR LOAN WAS PAID OFF AFTER I TRADE MY XXXX XXXX XXXX IN FOR A DIFFERENT CAR.. I WAS INFORMED FROM A REPRESENTIVE THAT MY BALANCE ON THE ACCOUNT IS XXXX AND PAID IN FULL. I SPOKE TO THEM REGARDING I WAS STILL MISSING PAYMENTS ON THE MONTHS THAT IS STILL NOT LISTED ON MY CREDIT REPORT AND ONCE AGAIN I WAS INFORMED THAT I WOULD HAVE TO TAKE IT UP TO THE CREDIT BUREAU. THROUGH OUT THE 15 MONTHS IVE BEEN DEALING WITH THIS ISSUE AND THAT IS ONE OF THE REASON I CHOOSE TO GET THIS CAR LOAN PAY EARLIER I CAN SEE IN GOING THROUGH THE NEXT 5 YEARS OR SO DEALING WITH THIS SAME ISSUE. SO LAST FAST FORWARD ON MY XXXX XXXX CREDIT REPORT I AM MISSING PAYMENTS THAT I HAVE MADE AND IT DOESNT SHOW ON MY XXXX XXXX CREDIT REPORT. EARLIER I DISPUTE THIS AND THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND ONCE I FILE DISPUTE ABOUT IT IT WAS PUT BACK ON MY CREDIT REPORT. THAT IS WHY I CHOOSE NOT TO GO DIRELY THROUGH XXXX XXXX AND DISPUTE I DONT WANT THE SAME THING TO HAPPEN AGAIN. ONE OF THE REASON WHY IT WAS DELETE IS BECAUSE CREDIT ACCEPTANCE DIDNT GET BACK TO THEM WITHIN THE 30 DAYS OF THE DISPUT PROCESS AND THAT WHY IT WAS TAKEN OFF. SO I WANT THIS ACCOUNT UPDATE TO SHOW ALL OF MY PAYMENT THAT I HAVE MADE ON THIS ACCOUNT. IT SHOULD SHOW PAYMENT FROM XX/XX/XXXX THROUGH XX/XX/XXXX WHEN THIS ACCOUNT WAS PAYED IN FULL. THE BALANCE SHOULD BE A XXXX BALANCE AND IT SHOULD SHOW PAY IN FULL NOTHING LESS THEN THAT. I AM MISSING PAYMENT HISTORY ON THE FOLLOWING MONTHS ON MY XXXX XXXX CREDIT REPORT PAYMENT FOR THE MONTH OF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND THE ACCOUNT WAS PAY IN FULL FOR XX/XX/XXXX.  WHEN YOU COMPARE MY CREDIT REPORT FROM XXXX AND XXXX IT SHOWS A DIFFERENT ON EACH REPORT. REGARDS OF THAT ON MY XXXX AND MY XXXX  CREDIT REPORT IT SHOULD SHOW A XXXX BALANCE AND PAY IN FULL NOTHING LESS THEN THAT. ON MY XXXX CREDIT REPORT I AM MISSING MY XXXX PAYMENT AND IT SHOULD SHOW LAST PAYMENT MADE IN XX/XX/XXXX. FINALLY THIS ACCOUNT IS PAY IN FULL SO IT SHOULDNT BE ISSUE IN GETTING MY PAYMENT HISTORY UPDATE CORRECTLY WITH THE BALANCE. I UNDERSTAND THEY UPDAT ONCE A MONTH ON THE XXXX DATE OF EACH MONTH. I ALSO UNDERSTAND THE ACCOUNT WAS RECENTLY CLOSE BUT I PREFER TO GET ALL OF THIS ISSUE RESOLVED WHILE THEY ARE GETTING EVERYTHING CLOSE OUT
I took a loan out at PLS to send my daughter to college I was current with my payments up until the last month I missed two payments I tried to explain to XXXX XXXX XXXX I did n't have the funds due to my other unexpected bill for my car. I told them I can come in the store and make a missed payment they told me they do n't accepted partial payments. I asked the lady to work with me on my payments she said a manager will call me because they put my check I wrote them when I got the loan through to the bank. I stated do n't put that check through I will come to the store and make payments. XXXX caged this check on XXXX/XXXX/XXXX putting my account over XXXX dollars in the negative. I told them I did n't have the funds can they return it and I will setup payments they declined the lady in collection told me my account was paid and closed. A few days later I received a call from XXXX XXXX XXXX saying I have a balance of XXXX dollars with them I told her you guys just deposited a check for XXXX In my account I do n't owe you anything she stated this is interest from when we tried to deposit the check earlier in XXXX. Today I received a call from my HR dept stating this loan store sent an intent to assign wages for the full amount today. They already received their money and trying to get extra.
In XXXX I was under XXXX XXXX, All credit cards were paid and closed - any balances unpaid were charged off. I also was sick again in XXXX and had XXXX XXXX in XXXX. I have many medical bllls. I also am a single parent of XXXX dependent ( students ). Mortgage in modification, car was repossed although breach of warranty claim filed in XXXX. I have an active lawsuit with XXXX and XXXX against a NJM driver. I was injured on XXXX XXXX XXXX. My car never worked and I could not walk for over 8 months. I lived with the consequences of credit destroyed. Issue is years later I am just making it pay to pay. and BARELY. Some weeks we have no groceries and all medical work with me - utilities have gone up mortgage too taxes - given. Out of nowhere all OLD CHARGED OFF balances haunting me. XXXX XXXX and XXXX XXXX  XXXX XXXX. 
I reached out saying NO not then NOT NOW. I cant pay charged off balances. I can barely make my XXXX follow up - rescheduling constantly as I don't have CO PAY. PLEASE MEDICAL HARDSHIP is ONGOING, Please cease all.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Every time i ask t have my address changed I get a fraud alert. 

Please change my address and remove the Fraud alerts from my profile. 
Please review my credit score it is incorrect. 

Thanks XXXX XXXX
I have written the company on three different occasions asking them to correct this error.  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX . This is company is trying to collect money from me that I do not owe. They have reported  XXXX  different accounts with the credit bureaus. They have failed to provide a copy of any alleged contract or other instrument bearing my signature and I will be filing a smalls claims action against this company and will be seeking a minimum of {$1000.00} in damages per violation for :  1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b  )
Collection agency re aged debt that was older than 7 years old and is reporting inaccurate date of debt information to place it back on my credit report. 

Major Derogatory Record details found within your credit file : Details Summary ALERT TYPE XXXX XXXX XXXX ( Collections ) CREDITOR TYPE Other Collection Agencies LAST UPDATE DATE XX/XX/XXXX-XXXX AMOUNT XXXX ALERTDATE XX/XX/XXXX XXXX STELLAR RECOVERY INC ADDRESS XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX FL ZIP XXXX CREDITOR PHONE XXXX I have not resided in XXXX XXXX area for over 7 years, nor was my original date of service in XX/XX/XXXX-XX/XX/XXXX as reported.
LOAN ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX THIS LETTER IS TO SUMMARIZE WHY YOU RECEIVED OUR PAYMENT LATE. I HAD MAILED OUT THE PAYMENT ON XX/XX/XXXX. WHEN MY WIFE WENT TO RECONCILE OUR ACCOUNT SHE REALIZED THAT THE MORTGAGE MONEY WAS STILL IN OUR ACCOUNT. THAT IS WHEN SHE CALLED TO SEE IF SHELLPOINT HAD RECEIVED THE PAYMENT. THIS WAS ON THE XXXX OF XXXX. SHE CALLED THE BANK TO SEE IF THEY HAD ANY RECORD OF THE CHECK BEING CASHED. THEY DID NOT. SHE RECEIVED OUR MAIL AND SAW THAT THE CHECK HAD COME BACK IN THE MAIL DUE TO MY ERROR I FORGOT TO PUT THE CORRECT POSTAGE ON IT. SO SHE CALLED XXXX IMMEDIATELY AND MADE THE PAYMENT OVER THE PHONE. THEY INFORMED HER THAT THEY HAD TRIED CALLING TO LET US KNOW THAT THE PAYMENT HAD NOT BEEN RECEIVED. SHE ASKED WHAT NUMBER THEY HAD ON FILE AND THEY TOLD HER XXXX. SHE KNEW THAT YOU HAD THE WRONG NUMBER BECAUSE SHE HAD CHANGED IT WITH SHELLPOINT 6 MONTHS AGO. SO HAD SHELLPOINT CORRECTLY CHANGED THE NUMBER WE WOULD HAVE BEEN INFORMED BY THE XXXX THAT THE PAYMENT HAD NOT BEEN RECEIVED AND THIS WOULD HAVE BEEN HANDLED WITHOUT IT BEING REPORTED AS A 30 DAY LATE TO THE CREDIT BUREAU. 

SO IN FACT IT IS AN ERROR ON YOUR PART THAT ONE OF YOUR EMPLOYEES HAD NOT TAKEN THAT CORRECT MEASURES TO CHANGE OUR INFORMATION ON OUR ACCOUNT. IT IS BECAUSE OF THIS THAT I AM ASKING YOU TO PLEASE REACH OUT TO THE CREDIT BUREAU AND REVERSE THE LATE REPORTING. WE WOULD NEVER HAVE LET THIS GET PAID A MONTH LATE. 

On top of all of this we received a letter from the Dept of Taxation and finance on Saturday XX/XX/XXXX that part of our property tax has not been paid since XXXX and they put a 90 day lien on our house. This was supposed to be paid by Shellpoint. Also in XXXX, XXXX and XX/XX/XXXXthey did not pay our homeowners insurance causing us to pay it ourselves when they were going to cancel it. Then in 2016 the issue we thought was resolved with Shellpoint and they lapsed our insurance once again causing us to not be able to get homeowners insurance with XXXX again a company I have been with since XXXX. We then bundled our insurance with XXXX, and they did not pay that as well. The only insurance company that would insure us was XXXX XXXX PLEASE HELP US TO KEEP OUR CREDIT IN GOOD STANDING.
A skateboard was purchased on XXXX for {$1600.00} on XX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. However, the amount of {$1600.00} was not actually re-billed to me as I later learned. According to the merchant 's response, I had redeemed {$480.00} of a gift card issued to me pertaining to {$1600.00}. This is 100 % false as I never redeemed any amount relating to {$1600.00}. The merchants response is a lie and I expect a full credit. I expect not to be bullied by a XXXX dollar company and fully, notwithstanding, expect a refund of {$480.00} that was fraudulently obtained and charged to my credit card. The amount of my gift card used had no relevance whatsoever to this specific order.
I 've asked before this is my XXXX dispute. Please remove all addresses EXCEPT XXXX XXXX XXXX XXXX OH XXXX & XXXX XXXX XXXX # XXXX XXXX OH XXXX from Transunion and XXXX and XXXX XXXX reports. I have asked this several times. Also please send me an updated copy of the report with the new information on it. 

This is also my XXXX dispute on this issue ... .since the XXXX XXXX breach my information has been exposed I have asked that XXXX XXXX Transunion and XXXX  remove all inquiries that are not directly related to an account. I 've already contacted these companies on numerous occassions. Not sure what else to do not gon na keep calling. 

XXXX please remove the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX the following inquiries ... ..see below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the following inquiries ... .see below Clarity XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX ( on there twice ) remove XXXX at least
I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX,  they had closed the account as disputed and had transmitted this information that same day. She gave me her number and ext ( XXXX ext XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called Equifax to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!
Capital One is blocking me from enabling external applications. A representative told me over the phone that they do not consider XXXX  to be a trusted site and therefore will not enable me to allow them to connect securely ( https ) to my business bank account. 

I have the right to access my financial data. Please make CapitalOne allow me to do so.
On XXXX/XXXX/XXXX I purchased an engagement ring at XXXX XXXX for the amount of XXXX and made a down payment of {$600.00}. I opened up a store credit card on that day and it was zero interest. Then on XXXX/XXXX/XXXX I purchased the matching wedding band for the amount of XXXX again I used the store credit. I asked the salesman who happened to be the manager of I needed to make a down payment. He replied " No you do n't because you made a down payment on the ring you had purchased earlier '' he also informed me that I would not be charged interest and that this ring was part of the promotional plan. 
Anyways a few months go by and I check my statement online this was sometime in XXXX. I make an account on XXXX Banks website. The people who financed my purchases and I notice I am being charged interest on the last purchase I had made. I called Comenity bank and filed a dispute through them. A few weeks later I notice I was charged interest again. So I called and filed another dispute this time I was on the phone much longer and the representative seemed a lot more helpful and informed me that I should see something in the mail in a month or so. On XXXX XXXX I recived a letter in the mail stating that they are not going to make any changes to me bing charged interest since it has been 60 days since I made the purchase. 

I called Comenity bank XXXX/XXXX/XXXX and asked why they would n't make any changes I was then informed that they supposedly sent me a letter saying they would n't be charging me interest if I could provide a receipt showing I made a 20 % down payment on the last purchase I had made. I explained that when I made the purchase the XXXX at XXXX 's told me I did not have to put anything down since I had made an earlier purchase and that I was not going to be charged interest on this purchase. Anyways long story short Comenity Bank refused to help me or make any changes.
Capital One Inquiry from XX/XX/2018 - Auto Financing Capital One Inquiry from XX/XX/2018 i never had inquiry from capital one for auto I am using capital one for while but not auto never
XX/XX/18 Dear Sir or Madam : This letter of complaint is related to Procollect Inc., XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, Related to my account # XXXX. Procollect is trying to collect an incorrect amount on the debt. I had an initial debt of {$450.00}. I agreed and established that the debt was valid and I have been paying on the debt as often as two or three times a month. Procollect is not reporting payments to both credit bureaus. The two bureaus have different information about what I owe, which negatively impacts my rating. I submitted moneyorder receipts and asked all agencies to investigate my evidence and make the corrections. XXXX ( Complaint # XXXX ) and XXXX credit reporting agencies have erroneous amounts owed on my reports. 
I have gotten the debt down to {$220.00}. I check my XXXX XXXX account regularly to insure that my payments are being credited and received. I made the monthly payments without specifying a particular amount to be paid each month ( contract ). I am on a fixed income of only {$850.00} per month right now. I did not want to go into default on the debt, if unable to pay what I had agreed upon. I filed a complaint with XXXX  related to the incorrect balance noted on the report ( Complaint # XXXX ). I made sure to write both XXXX and Procollect and ask them to update my list of payments, using the information and copies of moneyorders. They have refused to do so. XXXX stated that they had investigated and say that I now owe {$260.00}. This is a {$37.00} difference from my calculations. The XXXX report states that I currently owe {$360.00} which is way off the mark. 
I am constantly receiving notifications ( from XXXX XXXX ) that my credit is being damaged because ProCollect is not giving me credit. What my records show I owe and what Procollect is reporting to the credit agencies is NOT correct. I sent Procollect copies of my payment receipts ( which they are  ignoring ). The balances between the two credit bureaus are inaccurate. I have made two efforts to dispute the incorrect information. I made copies of the postal moneyorders I mailed to Procollect plus the dates they were mailed out. Neither Procollect or the credit agencies properly investigated or updated the  information. The only thing I asked them to do was to tell me which payments they HAD received from me ( using the list that I provided ) and to let me know which ones were not credited. Inaccurate information is being kept on my credit record even though I have provided proof that I had made these payments. If I am to pay off the rest of the debt, I EXPECT to be fairly audited and that no more derogatory remarks be placed upon my account UNTIL I receive confirmation and validation for the payments I have made. I do not feel that it is fair for me to have to pay {$5.00} to research missing money orders or to have to certify EVERY single moneyorder that I send by mail. 
The credit bureaus and Procollect are not accurately reporting or confirming my payments. I need all organizations to update my credit files and to cease the marks until a resolution is made. Thank you! Questions ( XXXX ) XXXX XXXX XXXX XXXX.
XX/XX/XXXX I was approved on an individual basis for an XXXX XXXX credit card through XXXX. According to Regulation Z page XXXX ( under XXXX years of age ) and page XXXX ( under limitations on fees ), I was approved on an improper basis. I was under XXXX at the time, with no income, job, or assets. My ex fiance at the time was also approved for a card on an individual basis in which he was much older than me with his own business, house, mortgage, car payments. He paid for everything minus what little cash I obtained from doing paper work for his business at the time to pay on this credit card with an APR of more than 25 %. I feel that I have paid enough interest and actual payments on this debt to cover the whole {$2800.00}. I was n't actually earning my own income until XX/XX/XXXX. In the meantime I had gone to school and obtained my own job. I now am a XXXX only able to work 10-15 hours/week, car loan payments through my bank, a personal loan I paid off 2 years ago for an internet scam I was involved in, monthly rent, electrical bills, phone bill, tuition loans I have through my college. Not to mention I am on government food service assistance. This debt that I was more than loyal to for years should be relinquished. There is no way I can afford this amount whether it be in small payments or not. I have paid my share and feel that I was approved for this credit card in error from the beginning, based on my ex fiances assets and credit score. As if being a XXXX is n't stressful enough, I have been stressing about his debt that is hurting my credit score!
My husband has had our Discover card for 21 years and has an exceptional XXXX of XXXX years is being charged a 17.24 % APR.
I have contacted XXXX XXXX XXXX and they have advised they do not give out any information to the Credit Bureau, I have asked Experian to Validate where they gotten their information and they can not. I have contacted and disputed several times to have this information that is untrue and incorrect removed from my credit report. This has not taken place and the information remains on my report, even though I have stated that I do not owe any debt or applied for the following accounts. The accounts can not be physically verified and or proof not retained to keep reporting this is misleading or unproven information, especially considering a composed consumer complaint notifying them of said issues so please help to have the information DELETED the following illegally reported allegation here and now :
A repayment agreement was entered into with Navient for all private student loans. Payments have been drafted by Navient monthly from our bank account and all payments have been timely. Despite the agreement and receipt of payments, Navient has continued to harrass me and my husband ( a co-signor ) indicating that the loans are past due. They have also continued to apply late fees to the accounts and reporting them as delinquent to credit bureaus. I 've asked Navient on numerous occasions to correct this and they have failed to do so. 

Additionally, I have been awarded Social Security XXXX and notified Navient of such. Although I have sent them the award from Social Security, they are still requiring a physician statement. My physician will not complete the statement because he feels that the finding of permanent and total XXXX by Social Security is sufficient. Navient has refused to adjust my loans under total XXXX discharge guidelines. My student loans payments are substantially more than my monthly XXXX benefits of {$1500.00} per month. There is no way I can repay the loans.