WillisBack/dataset-financial-user-claim huggingface dataset:
Numerous times I have submitted documentation with the CFPB and via hard copy mail Experian still refuses to show the account as paid and continues to report the account as closed charged off. The company itself has also submitted the account as paid and full to them and they still refuse to update the account as paid. including the payment information from XX/XX/2018 which paid the account in full.
I got a personal loan for XXXX in XXXX I am still paying on this loan of {$250.00} a month the loan has went to three different companies each time I ask him when this loan will in they do n't even know I keep on getting the runaround I was told that the interest would be paid off in five years I know I made a mistake I just wanted anybody can help me
XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX {$300.00} XXXX  XXXX XXXX XXXX/XXXX XXXX/XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the XXXX ( XXXX ) of each month, and considered late on the XXXX ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX Lease XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it from my report!
My husband took out a line of credit home loan for {$25000.00} in XXXX and paid $ XXXX monthly to XXXX. He discovered in XXXX that it was an interest only loan and started paying {$500.00}. XXXX purchased the loan and he continued to pay {$500.00} per month until XXXX. Based on his payment rate he knew the loan was supposed to be paid. When he continued to receive statements, he filed a complaint with the XXXX. He received a letter indicating that XXXX had filed for bankruptcy and after a full review it was determined his loan, balance was XXXX. In XXXX, he began getting statements from Green Tree. After watching the continuing frustration of my husband I spoke to Green Tree and apprised them of the situation. I indicated that my husband had paid the loan off. Recently I started getting statements from DiTech reference this loan. It appears the DiTech is in the business of debt collection and found this loan and is attempting to collect it although it was paid. 
My husband is a XXXX veteran XXXX and I do not want him harassed by a debt collector on a debt that he nor I owe.
I made a complaint below to chase bank credit card services to dispute charges from XXXX and to my dismay I got a call from a chase outsourced facility and a XXXX lady had a heavy accent and not sure if she understand my complaint at all. Chase card is boasting Sapphire customers dont have to worry about unnecessary charges during travel and this is indeed a service charge due to system malfunctioning. 
I made a reservation through XXXX web site from XXXX XXXX to XXXX XXXX XXXX. Once I received confirmation email as per attached doc everything looks correct including my last name in the email body. 
But I was asked to pay extra {$50.00} e since XXXX web site is malfunctioning. To prove my point I reserved seat XXXX from their web site away from toilet and I got a seat close to toilet due to system malfunctioning. I was trying to sit far away from toilet and due to this system malfunction I was sitting close to toilet and had headaches throughout flight since I am allergic to smell and also couldnt sleep well at all during XXXX hour flight and got caught up with flu and had to see doctors. Their flight crew is extremely unfriendly and didnt provide me a seat away from toilet despite fact their system cancelled my original seat reservation due to malfunctioning. XXXX  were not responding to XXXX complaints at all and their XXXX ratings were F
I have owned my home for 14 years, not once in those 14 years have I made a late payment on my mortgage. My mortgage was apparently sold and is being serviced by Ditech. In XXXX 2016 my automatic payment for my Principal and Interest was not deducted from my bank account, there was however a NSF Fee. I contacted Ditech immediately to inquire about the issue. I was told that I had been sent a letter ( I never received ) requesting proof of flood insurance and when it was not provided that Ditech had opened an escrow account and my payments would be significantly higher due to this added escrow. This is not the first time I have had a mortgage servicer request proof of flood insurance, I gathered the requested information and faxed it to them immediately. I followed up and was told it had not been received. I sent it again. I followed up and was advised it had been received and would be resolved. I then began receiving letters that my account was delinquent, I called back several times. They refused to take payment unless I paid the Escrow amount that I had already been advised was not warranted. On my second attempt to make a payment, I explained the issue and spoke with a supervisor that authorized the payment on the principal and interest to get me current, she also assured me that once my insurance was received the insurance coverage they opened would be stopped and the escrow account closed, to find out afterward they applied it to the escrow account. I have sent Fax after Fax, email after email, proof of insurance for flood. Once confirmed they had updated the flood insurance, they then opened a Second account ( forced insurance ) for Hazard that no one until that moment had mentioned to me. I Immediately sent proof of Hazard insurance. I have requested in writing that the escrow account was not authorized or opened by me and requested it be closed, this was declined they said due to non payment of the same escrow account I have proven was not opened by me or required. My Insurance documents have been verified as having been received and updated yet I still can not make the proper payments on my mortgage. My insurance coverage has never lapsed, expired or been cancelled due to non-payment. I have been advised by ditech on several occasions that this will be resolved, yet it never has been. I have made dozens of calls requesting escalation and an insurance assessment and am still unable to get this issue resolved. I just want to pay my mortgage. They have received all requested information yet they are determined that I am going to have an escrow account and I am going to have to pay my insurance TWICE every month.
Last XXXX I opened my XXXX account with XXXX, I was told that if I opened up a store card ( credit card ) through synchrony bank that I would get a discount. So I got my discount on my XXXX purchase and my only purchase on the store card. Well the lawn mower tires that I bought were not the right size so I sent them back to XXXX and got a 100 % refund which I have been told by XXXX at least XXXX times which was supposed to take the balance off the card. I have made no other purchases with the XXXX store card which I have confirmed by XXXX but yet in XXXX Synchrony bank said I had a balance of {$3.00}, I did not get a billing statement for {$3.00}. I did get a bill in XX/XX/XXXX for a bill around XXXX dollars which confused my wife who called XXXX shortly thereafter. XXXX told my wife to disregard the bill because there was n't any balance on he account and no purchases have been made. On XXXX XXXX me and my wife entered a XXXX XXXX dealership eager to buy the motorcycle that we have been wanting to get for more than 4 years only to find out that my credit was shot due to unknown reasons. We came home that night and I pulled my credit report and it showed that XXXX has been showing my account late since last XXXX. When I called them on XXXX XXXX XXXX told me that they I have no idea what the charge is on the account because all money was refunded back to the credit card and no other purchases were made. They then transferred me to synchrony bank collections who told me that I had to write a dispute letter because my account balance in XX/XX/XXXX was {$3.00} and has been delinquent ever since I asked them what purchase was made and they said they could not tell me and did not know. That is when I decided to contact you through this letter.
My name is XXXX and after working with my lender BSI Financial Services for over 3 years to obtain a modification my property was sold at auction on XX/XX/2017 located at XXXX TX, now I am facing eviction and i have no where to go. I am XXXX years old and would like to keep my home.
I am having a problem with my Chex systems report. There is an account that is showing on my file with XXXX that was opened fraudulent. I have attempted to contact Chexsystems an only get an automated system. I have filed a police report and I am trying to see where do i have to send it to but have been unsuccessful in getting through to anyone.
I have a number of inquiries on my report from when I purchase my vehicle in XXXX XXXX 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent and not mine : XXXX XXXX XXXX XXXX, XX/XX/2018, XXXX XXXX XXXX XXXX, XX/XX/2018
I am trying to link my XXXX XXXX account to my Coinbase account for use, XXXXis blocking that request. Please advise.
On XX/XX/XXXX I sent letters to all 3 credit bureaus outlining inaccuracies on my credit report that needed to be removed and deleted including an account with a company called XXXX XXXX XXXX, Transunion and XXXX both responded that they deleted this account because they were unable to verify this account with the creditor. XXXX failed to respond so I sent them new paperwork onXX/XX/XXXX making the request again also requesting that if they find the account valid, I request proof. XXXX did respond, however, they said that the account was verified without showing any evidence of the verification. I find it hard to believe that none of the other companies ( Transunion or XXXX ) were able to verify this negative item and XXXX was different. Evidence is required by law or it must be removed. On this same date XX/XX/XXXX, I also sent new requests for corrections on data to Transunion and XXXX and both companies have failed to respond to my requests for those changes and today is XX/XX/XXXX. This is unacceptable and a violation of my rights as a consumer.
Bank of America Closed our account because they said we deposited fraudulent check. We did not. We went to XXXX and got a letter from the bank proving the check was good. When we did, they said the check was cashed. BofA said they did not at first and even if they did they could keep the funds because of fraud.When we went back with proof they said " we do n't want your kind of business and your account is closed and if there are any funds we may mail them back to you. And hung up the phone. I have been disconnected 3 times now trying to find out what is happening. XXXX. This has been going on since XX/XX/XXXX. We asked to file a complaint and was told there was no one to complain to and it was finial. Check amount was for {$1400.00}
My XXXX XXXX card is showing that I am 30 days past due which isn't true and this has dropped my score. I had fraud on my account and reported it within hours of discovering it. They open an investigation and is still in process. However its reflecting that I am 30 days past due. I have never missed a payment and although I was told from more than one rep to not make a payment until the issue was sorted out. I have still made two payments. The customer service team has been great through this long investigation however its costing me point towards my credit score.
I have a tax lien on Equifax. I am not disputing that I owe taxes, I pay a monthly sum to IRS every month. What I have been trying to get cleared up with Equifax is that they are reporting incorrectly. I sent the first dispute out on XXXX XXXX, XXXX nd since then have received 3 letters from Equifax stating they have validated that the tax lien is reported correctly. I have asked for proof of validation and they state they validate with the court. I know for a fact that they are reporting incorrectly and also that the IRS does not validate anything, including the $ amount of the tax lien. Equifax is refusing to remove the tax lien from my credit report and I feel that they are taking advantage of consumers and are getting away with incorrect reporting. The lien was filed in XX/XX/XXXX and the amount has changed since that time and is not correct at all. Equifax s not following the Fair Consumer Reporting act that states the following : " Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. '' What I clearly have is an unverifiable tax lien thats reported inaccurately and is really hurting my life.
I made purchase using my American express credit card, when I received my bill I sent a payment of {$5000.00} and the check was cleared, from my XXXX XXXX account, i then sent another check # XXXX for another {$5000.00} on XXXX XXXX 2017, American express, then sent me a notice that my check was returned unpaid, i then contacted the bank, and the bank told me there is no record of any attempt to endorse the check, and the money is available, i then contacted American again and spoke to a manager, she told me it will be resolved, and they will try to endorse the check to get the money, but they never did, then sent me an invoice, including the payment i already made for the {$5000.00} and interest and finance charge for the entire amount, the money is still awaiting for American to take from the bank.
In XXXX I opened a home equity loan with wells fargo. In XXXX my wife lost her job and I was informed by the wells fargo rep he could lower my payments and talked me into a " new product '' unknown to me I was enrolled in help for homeowners (? ) and it had been listed on my credit report ( never saw this on my credit report ) I discovered what had happened in XXXXafter I was turned down for a critical business loan due to the " modification to my account ''. I immediately called to have it removed from my credit report and return to my old payment ... Due to bait and switch and bad banking practices I was sold a flawed product that front loaded me for failure as the loan went interest only but never informed me at the time my balloon payment was unchanged. I have BEGGED wells fargo dozens of times to recognize the bad math on my account only being told the product is no longer offered and can never be changed as it stands. They asked me to apply for new products and did so only to be rejected without even sending in my financials ..also I have paid 10.67 % on this loan for years despite the lowest interest available being told that a change to the interest rate could NEVER happen. I have never missed a payment, I am greatly concerned as I was threatened they will liquidate my home due to bad banking practices.
Citibank had a promotion offer for getting XXXX dollars after opening the checking account, deposit XXXX dollars within the first month and keep the account for another 2 months. I opened the account on XXXX XXXX through the phone, I gave them the bank information that I want to transfer the money out and they sent me some documents to sign for opening the account which also included the bank information for transferring money from my other bank to citibank. I signed all the documents and sent them back to citi immediately, but they never processed my documents and they never initiated my deposit into citibank. It was XXXX XXXX that I realized I never received my debit card, which is a proof that they never processed my documents. I called citi again and asked why they never sent me the debit card and initiated the deposit, and the representative told me it was their mistakes. I asked her if I was still qualified for the XXXX dollars promotion and she said I did because it was their mistake, she also promised me that she will put a note under my account saying that it was their mistake that made me miss the XXXX month deadline and I was still qualified for the promotion. So I asked her if she needed the bank information to transfer the money out into Citi and she said she had all the information she needed and there is no need for me to provide anything else. So I asked her to initiate the deposit into citibank and sent me the debit card. She did it immediately and the money was transferred to Citi the next day. She also sent my debit card by overnight shipping that I was able to get my debit card the next day as well. After three months, I did n't receive my bonus. I called citibank several times explaining my situation to several different representatives, they were able to pull out my files and saw that everything I talekd to them was correct My debit card was never sent to me, my deposit was never initiated because of their mistakes, so they created XXXX consecutive investigations for me. But everytime I got the result back, it was the same reason, I did n't deposit within the first month of the account opening. Since I gave citi all the bank information that they needed to get the money from another bank when I opened the account through the phone, and I also sent back those documents through the mail, it was citi 's mistake that they never processed my deposit request and the representative I talked to on XXXX XXXX also promised me that I will get the promotion, otherwise, I would n't continue deposit the money and put it in there for more than three months.
Since XX/XX/XXXX, I started submitting all requirements for Loan Modification to XXXX XXXX, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. 
I was requesting for their XXXX in-house Homeowners Assistance Program Evaluation Summary that they sent to me last XX/XX/XXXX and until now appealing XXXX to follow the right Federal Home Affordable Modification Guidelines. The right determination on the Evaluation summary indicates that on the Loan Modification Agreement should be FIXED RATE NOTE and not Adjustable Baloon rate, where the rate is fixed on 30 year loan ; the only change in our payment would result from changes in my taxes and insurances. Its not acceptable the BALOON NOTICE of {$180.00}, XXXX after XX/XX/XXXX. The way XXXX modified my Loan is illegal and not under the Federal Home Affordable Modification Guidelines. 
XXXX is trying fully vesting in & entitling me to unapplied amount Principal balance of {$80000.00} that XXXX have to Deffered my balances eligible FULL FORGIVENESS of DEFERRED PRINCIPPAL REDUCTION amount and NOT BE REDUCTION only for 1/3 %. I respectfully request that the loan be modified from their 20 year term to a 30 year term or 40 yrs, the interest rate be reduced to the current 20 year market rate and the payment should be adjusted accordingly. The very minimal reduction in payment in XXXX HAMP modification they did for me is not acceptable or affordable. It has to be re- calculate into FIXED RATE NOTE and not Adjustable Baloon Rate. 
I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated from XXXX XXXX Mortgage servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request now in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with XXXX XXXX requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. XXXX XXXX have not dealt to me in good faith until this moment.
I am currently XXXX XXXX military XXXX oversea in a XXXX/XXXX XXXX   area. I submitted before XXXX all my information and during my XXXX XXXX add to my credit report all 21 of my student loans was 90 days late and damaged my credit. I submit 3 times for them to reconsider because I was in a XXXX/XXXX XXXX area. I provided the information to them and still nothing has happen with my complaint to them. I have attached the application and letter from my commanding officer station my location and area operation.
This loan is reporting as incorrect on my credit reports - and it is reporting as a ChargeOff when I made advance arrangments and the account was settled for the balance that was owed. ( {$280.00} on XX/XX/2015 ). There was a prior issue with management by the company for this loan and my payments were not applied correctly nor was I receiving any written correspondence after multiple requests for it. I also have not received a paid in full letter from the company after my payment on XX/XX/2015 and I have already called XXXX times and each time promised it would be sent, however it 's never been received. I want this correct or removed altogether from my credit reports.