WillisBack/dataset-financial-user-claim huggingface dataset:
I have had a mortgage on a property since approximately 2003. It was underwritten by XXXX, sold to Green Tree, and resold to DiTech. Since the inception of the loan, it has been paid automatically from my bank account, and has never been late. 
Since Ditech got the mortgage, I have been harassed by phone and by mail, saying I am anywhere from {$35.00} to {$650.00} overdue. This is not true. I have contacted Ditech by phone 6 times about the issue, twice speaking with supervisors. Each time I call, I am told that my account is in fact NOT past due, but that since their takeover of the Green Tree loans, Ditech 's " reallocation '' process is behind, and that is the reason I continue to get dun notices by phone and by mail on a monthly basis. 
I do n't know what a " reallocation '' process is, and I do n't care. 
1 ) I want Ditech to stop contacting me to tell me my account is overdue when it is not ; 2 ) I want written assurance that my XXXX+ credit is not imperiled by Ditech 's internal XXXX.
On XXXX XXXX, 2015, I received a collection notice from National Credit Management Mid-South XXXX XXXX for an alleged debt owed to XXXX College in the amount of {$200.00}. However, after checking with the Student Accounts office at XXXX XXXX XXXX " the College '' ), I determined the amount was to be billed under a third-party billing agreement with the College and therefore is not my individual liability. Therefore, on XXXX XXXX, 2015, I requested National Credit Management to provide validation of the debt as provided by the FDCPA and for an accounting of the debt. I 've received no response to my request. However, after checking my credit report, I noticed the debt was reported to all three major credit reporting agencies. National Credit Management is reporting a non-validated debt on my personal credit report causing damages to myself in terms of my credit score, personal reputation, and business relationships.
To whom it may concern, On XX/XX/2018 my XXXX student loan account # XXXX XXXX XXXX was paid in full. I received a Paid in Full Notification letter that I have enclosed. The account was closed and removed from my credit report and everything seemed normal and I believed it was a closed matter. Fast forward to XX/XX/2018, while I was on my monthly routine of checking my accounts I noticed I have a new balance on the closed account and I was surprised to see that on the closed old loan. I thought it was an error and it would just go away. I should have known better next month it was added to my bill doubling my monthly payment. After noticing this I immediately called them to ask them why was this account that was paid in full and that they had sent me a letter confirming that fact back with balance and with more interest than before. The representative said it must have been a computer glitch to what I replied I dont think you cant make a {$13000.00} error on an account. The representative asked me if I had any proof of the payment and I said I had not the proof at hand but that I had to locate it on my files. I also told the representative that I wanted to dispute the loan. He said he would send me a form for me to dispute it. I am still waiting for that form. Basically what I am getting from XXXX is that if I misplaced my information to proof that I have paid my loan in full I have to pay my loan again with interest just because they had a glitch. And unfortunately I have misplaced my documents showing my payment to the account! I think this is most concerning for people like myself that make the best effort to pay for their student loans and companies like this one have the nerve to tell you its just a glitch and you have to pay again. Having said that I have keep working with them so I can accommodate this loan in my monthly payment so my accounts dont default and stay current. I want this account closed and taken out of my credit report and of my student loan account. I sincerely ask for your help in this matter. Thank you. 
XXXX XXXX
I have disputed the late payments on XXXX XXXX XXXX XXXX account for months with no result. Not only that, XXXX and Transunion also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
I am unaware of this debt, I have disputed it several times but it remains on XXXX of my credit reports and is hindering me from XXXX. I have even offered to pay a portion of the debt with the debt collector without verification just to avoid the hassle of dealing with this. They have refused to send me any verification of this debt.
XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX UNAWARE OF THE TWO ACCOUNTS. SEEMS FISHY TO ME AND I HAVE NO CLUE WHERE THEY CAME FROM. IF I FIND OUT THAT YOU CREDITORS ARE PURCHASING INFORMATION, PLACING UNVERIFYABLE ACCOUNTS ON MY CREDIT FILE I WILL BE CONTACTING THE FTC, BBB, the county courthouse to file a lawsuit against you creditors asap. You 've broken several laws within THE FCRA. I would like to see the verification process that you the creditor and credit bureau supposedly did. Please remove these accounts before I take legal actions because I know my XXXX rights as an American Citizen.
I have received collections notices from Creditors Bureau USA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, phone # XXXX, dated XXXX XXXX, XXXX for account # XXXX in the amount of {$490.00} and XX/XX/XXXX for account # XXXX in the amount of {$780.00}. These collection notices are for services provided by XXXX XXXX XXXX on the following dates of service : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I had medical coverage during this entire time period and, in fact, had dual coverage. My primary was XXXX and secondary was XXXX. I provided both insurance cards to the receptionist on each visit. It appears, after discussions with XXXX, XXXX and XXXX, that only the XXXX insurance was used to submit claims against. I had coverage by both insurers at the times of service and provided that information on each visit. The claims were not paid because they were not submitted properly by XXXX and through no fault of my own. 

Additionally on the last date of service, XXXX were used during this visit and XXXX did not provide the correct insurance information to them as well. After a phone discussion, XXXX XXXX was able to confirm my coverage with XXXX using my ss # and rescinded the claim and subsequent collection activities. 

XXXX would not pay because they need and " Explanation of Benefits '' from the primary insurance XXXX before they can determine their portion. XXXX does not have an " Explanation of Benefits '' for these visits because they were never billed. I have provided all of the coverage information I was asked and required to provide. 

I have requested that they review this information and rescind the invoices and cease collection activities.
XXXX XXXX, LA XXXX Ad Astra Recovery XXXX, KS XXXX Account # XXXX Dear Ad Astra Recovery, I am in receipt of your company 's letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records, I am unable to nd any documentation of any contractual relationship between ( name of company ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verication or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certied copy of an original contract, with my signature, specically naming your company as a person entitled to enforce a commercial claim against me. Certication can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( name of president ) and ( name of company ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will le a complaint with the Attorney General and Federal Trade Commission, and le a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the State Bar Association and XXXX for code of ethics violations. Sincerely, XXXX
Pre employment company requested my background check. The crime was committed in XXXX but what First Advantage is showing is XXXX which is when I served time not when the crime was committed. The way First Advantage is displaying my background is showing that date as XX/XX/XXXX which gives the company the thought that the crime was committed in XXXX which is false. This needs to be clearly stated as to when the crime was committed verses when time was served.
Filed dispute with credit bureau with proof, disputed items was deleted from XXXX. I was denied housing, and received a copy of the furnisher of such recent derogatory reporting. Upon receipt of my credit file I noticed XXXX XXXX continuous updating of erroneous derogatory information to reduce my score, Experian will not allow any further disputes from me via web based on what XXXX XXXX says is correct. 

XXXX XXXX is aware of my dispute regarding fraudulent charges statement paid to a 3rd party without my authorization for savings account in their records posed as an auto loan. Please be advised I was not a member of XXXX XXXX which is a financial institution for teachers employed in XXXX   County, Virginia.
On XXXX/XXXX/16, I received an e-mail indicating a potentially fraudulent charge to my Citi credit card. I called on XXXX/XXXX/16 to tell them the charge was fraudulent. In addition, there was another fraudulent charge. They stated that they would need to close this card and issue a new XXXX. I am traveling and need this card to charge expenses. I asked them to overnight a new card to the hotel I would be staying at and that I needed to charge an airline ticket for work. They put me on hold for 30 minutes to get a Supervisor. If they are this under staffed in the fraud department maybe the CFPB should examine their procedures and response times. Is fraud something the people should put with and the government and banks are above the law? These banks, credit card companies and the government is nothing but a crime syndicate.
I have been working on my credit report for the past two years, I came close to completing the task in XXXX of XXXX. I state that I came close because shortly after that XXXX XXXX XXXX decided to insert a collection account into my credit report. I did n't receive any documents regarding the debt beforehand and was caught completely off-guard. I called the company and was told that I owed a debt to XXXX XXXX XXXX XXXX. In an effort to check into the matter, I visited the hospital and requested any information pertaining to the alleged debt. There was no debt to be found, the original debt was incurred in XXXX and had already been paid by my insurance provider. At one point in the multitude of times that I have tried to plead my case with XXXX XXXX XXXX XXXX the account was removed from all of my credit reports. Months later, they decided to re-insert the collections account onto all but XXXX of my credit reports. It appears that this company plays by their own rules and figured that I would n't notice what had transpired ... as if they could simply attach that same account to my report again in hopes that I would pay without questioning their allegations. I have never retained services from these people, I have no contract with these people, and do not have in my possession any documents showing that XXXX XXXX XXXX XXXX XXXX XXXX XXXX have rendered any services to me that require payment. Prior to filing my dispute, neither my husband or I received any information regarding this account that would have allowed us to satisfy the alleged debt before reaching the point of reporting. I feel that my rights have been violated and plan to fight this injustice until it is resolved.
Income tax lien filed by the XXXX XXXX in the XXXX XXXX Court. I have lived in State XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer.
Chase ( XXXX ) Auto Finance reported a payment to both my credit report and my wife 's as 30 days past due ( 33 days to be exact ). The account was under SCRA protection, as I was on XXXX XXXX with the XXXX during the month of XXXX. During the month of XXXX two payments were made on the account by my wife. However after making the payments she wasn't sure they both would count for monthly payments. She called Chase and was informed one was a mistake and would not count for a monthly payment. She was then sent a refund check for one of the payments. I now know that after spending 2 -3 hours calling Chase today that had the second payment been left, it would have counted and we would not have been 30 days past due. I'm also upset that I notified Chase I'd be on XXXX XXXX and in the past they've always made the effort to call me if a problem with my account. This time they just let it go past due and reported it to our credit. In addition, my wife did try to make a payment on XX/XX/XXXX to alleviate this but it did not go through on the application and unfortunately due to my absence and later return, along with the holidays she did fail to check. Regardless I feel that to some degree this late payment is on Chase as we were given a refund which made our account past due also I was never notified about a delinquency. Finally in talking to Chase today I was told by one Credit Bureau Reporting Specialist " XXXX '' that this information was wrong and it was not reported to the credit agencies only to find out that it was in fact reported. I feel like I was deceived and told this only to get me off the phone. Please investigate.
This is a follow-up on complaint XXXX regarding the closing of complaint and cfpb did n't even look into the matter regarding chase billing dispute and false statements report to credit bureaus and to CFPB. Chase stated to CFPB THAT my slate account was sold to XXXX On XX/XX/XXXX they also sent me a letter from XXXX XXXX XX/XX/XXXX stating the same false statement and violated FCRA When they submitted false statements to XXXX  stating that the slate account could not have been sold to XXXX in XXXX cause on my XXXX report XXXX XX/XX/XXXX the slate account was not even opened until XX/XX/XXXX and closed in XX/XX/XXXX. Also I sent chase XXXX XXXX an email with my meeting with the branch manager on XX/XX/XXXX where I clearly told him to close all my accounts. So they are reporting false statements about the XXXX card XXXX XXXX sent me a letter dated XX/XX/XXXX saying that they found no evidence of me closing the account with the branch manager and he States please be advised that the account is closed XX/XX/XXXX but I did not close the account on that date but they reported it to XXXX that the account was closed at consumer request but it does n't show the account is closed it shows 150 days late payments and false credit limit of {$500.00} when it was {$4000.00}. They said my mother was added as a authorized user XX/XX/XXXX which is completely false and my mother was not even on my account. I was a authorized user on my Mother 's Chase Freedom Card but they closed that a month after she XXXX they reported it for 3 years to the credit bureaus but they stopped reporting that account. They also state she was removed from the XXXX card on XX/XX/XXXX which is completely False statement my mother XXXX XXXX XX/XX/XXXX why did n't I have her removed then Ask them for documents I sent to Chase where I closed the account where I removed my mother from my XXXX card and if they ca n't prove what they are reporting to you and the credit bureaus with letters I sent to them on the date they claim these events took place with my signature and date then they are knowingly violating the FCRA and I am a XXXX veteran and probably violated the American with disabilities act also. They have sent different letters with different facts that are completely false and they know it
Capital one makes it very confusing for a borrower to navigate its web portals to make monthly payments. Some credit cards you have to log into one site, other credit cards you have to log into other sites. In addition, the electronic notifications are so overwhelming when you layer in all the cross product selling and other email garbage. Then consumer becomes DE-sensitized to the notifications and billing statements and thus become in-effective as a result. 

I am a end user that is negatively effected as a result. I became overly confused and in-inadvertently missed XXXX payment. I have XXXX Capital one accounts and given the onslaught of communication it is difficult to actually understand what is what. I consider myself to be a responsible and savvy individual who is very very busy trying to provide a good life for my family, and if I could be negatively impacted by this.. ANYONE can.. this isnt a devastating event for me, its just a setback, but for another family, something similar could end their happiness.
The loan had an insurance added to it that wasnt explained nor was I given an option to accept or decline. In the loan paperwork it shows if I had declined the insurance my payment would be {$300.00} less. Once I got home, I called and went back to the establishment but was told that I can drop the insurance but the contracted payment and loan amount would not change.
Tried to connect my Barclays Bank US account with XXXX app and was repeatedly denied access to my account even after successfully logging in.
On   XXXX   XXXX   obtained my credit report pulled by  XXXX   XXXX  Bank to qualify for a mortgage. I noticed on my credit report I had a repossession from  XXXX  reporting from  XXXX  of Charl/CNA. I have emailed, mailed, called, and faxed correspondence regarding seeing where this account came from. I have no recollection or did I gave anyone permission to obtain a vehicle loan in my name. Under the FCRA this company is obligated to provide any legal binding contracts with my signature showing that I signed for or gave them permission for this loan to be obtained in my name. I have not been able to get a response from the company regarding this account. Also according to the FCRA, this account is is  XXXX   years old  and the company is still attempting to collect on a debt past  X  years.
First, I have disputed with XXXX for them to delete the addresses listed below as they are inaccurate and erroneous : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX  XXXX, VA XXXX XXXX XXXX XXXX, XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX DELETE ALL ADDRESSES LISTED ABOVE!! 

I have disputed these inaccurate account entries with XXXX on numerous occasions and they have stated that the items were verified. To that end, I disputed with Darnel Recovery, the third party collection agency that is reporting this inaccuracy as well. Darnell alleges that a balance for 2 accounts is due in the amount of {$1100.00}. One account for {$650.00} and the other {$480.00}, yet they were unable to provide any documentation that bore my original signature for both entries, nor any documentation that reflected the financial responsibility page for both entries. Lastly, they never ceased reporting of these inaccurate entries to the credit bureaus as requested so that I may validate the alleged debts. 

To that end, I visited XXXX XXXX XXXX ( since renamed from what Darnel alleges ) and requested a complete and comprehensive document that reflected any charges that I may allegedly owe the facility. See attached documentation that reflects a mere 1 account and a balance of {$350.00}. XXXX has allowed Darnel Recovery to continue to damage my credit worthiness with these inaccurate entries. 

DELETE these entries immediately from my credit report per attached documentation that fully justifies the inaccuracy and untruthfulness in these entries being attached to my report.
Have tried numerous times beginning in XX/XX/2017 to seek help with keeping my home through Keep your home California only to be stonewalled by Bank of America as they ask me to apply again and again. I have done so and provided any and all info they requested and done everything they asked only to, be denied again. I am newly divorced and on XXXX but do have income required. I am beyond Exasperated. I believe they are trying to force me to give up my home aka short sale. Help
I have a big problem with XXXX XXXX and Honda financial, as you see below, I opened a ticker with Customer Services at XXXX XX/XX/2018, because I didnt receive any statement to pay my lease auto, after to discuss many times with sell representative, by Text message multiples times, nobody from Honda is helping to fix this issue, right my credit score info is affected due this late payment occurred in XX/XX/XXXX. Due this problem I cant get a loan to buy my home here at Utah, currently my lease apartment contract is cancelled to next XX/XX/XXXX The contract info about my lease are OK, address, email, phone. But when I tried to pay lease online, calling to Honda Financial as well, nobody there help me, because my SSN and Address was wrong into their system. 

This was not a problem with money into my Banck account, because I can show my statement bank at date mentioned, XX/XX/18, also they charged a late payment fee on XX/XX/18 and after one month calling everyday and bother all days to Seller Representative, one people of XXXX XXXX system ask me about my personal info trying to help me, and his discover my address are not OK and my Social Security Number was not linked with my Honda account number, after to fix that on XX/XX/18, I pay XXXX USD and setting autopayment since that date until today. 

Also a ticket os Customer Services opened at XX/XX/2018 was opened with them to investigate the issues trying to fix for any future inconvenience. 

Yesterday a Agent on call confirm the mistake about the address was wrong submitted, but they insist to check the contract info to be clear, all the contract info was fine always, but nobody call me after to get the lease, no receive any letter. Please request all that info and track the letter send by them or recording calls. 

At the same time, by XXXX XXXX app, the dispute about this issue was opened, receiving good news at XX/XX/XXXX, indicating the following result Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The payment history/rating is incorrect. 

At this time, XXXX have my credit report totally different than, XXXX and XXXX, affecting my process to buy home, also two more dispute were opened with them trying to fix, but only was change the date about the error with the late payment.