WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed information on my credit report to the credit bureaus. I alsodisputed the account directly to the original creditor. I asked them tovalidate the information they are reporting. They simply wrote it ona letter and sent it to me but it 's all hearsay. Nothing in writing proving it. 
The information does n't match my records and I believe it to be wrong. 
I was never late, yet they reported me being late by 90 days. How can Ibe 90 days late without first being 30 and 60 days late?
This goes back to XXXX .I inquired with XXXX XXXX XXXX about attending school. I did paper work and went to school for about 1 week there. I never received not 1 check. I got incarcerated the same week I started for 9 years. The school fraudulent cashed checks in my name because I did n't. I sent an article to XXXX XXXX. XXXX showing them at the time I had signed up for school .they were falsifying documents such as checks. In students name. I tried to dispute with XXXX XXXX XXXX I requested a fraud affidavit they never provided. This is not my debt a d should not be on my credit report
Regarding Mercedes-Benz Financial Services Account # XXXX The original vehicle contract was to terminate XX/XX/XXXX, with 30,000 miles. 
Mercedes allowed me to pay for a 1 month extension to the lease, extending the contract from XX/XX/XXXX to XX/XX/XXXX. 
I returned the vehicle on XX/XX/XXXX, with only 23,946 of the 30,000 allowed miles used. 

Despite only using a portion of the 1 month extension I paid for, as well as the substantial sum of unused miles ( roughly 6,000 ), Mercedes has assessed an end of lease turn-in fee of {$640.00}. All this despite no damage or excess wear or tear. 

I request that Mercedes waive the turn-in fee.
There was no option for the issue I am experiencing at this time. 

I was attempting to log in to make a payment on my account. 
I ca n't log into the website to make my payment and the payments are a couple months past due. I actually was trying to make a catch up payment, but the company will not allow me to access my account to make one. I tried using the online chat but they would not even speak to me. So I am now reporting them to the FTC as they are willing to damage my credit, but unwilling to allow me to make a payment. 

I tried filling out the survey that popped up, but the site conveniently disabled it before I could submit it. I am going to post my complaint on XXXX to see if I can get an attorney to pick this up so I can sue the company. I am done playing games with them. 

The online agent disconnected and forced the chat closed before I could even get the phone number to call there help line.
I was called by a collection agency, and when they told me that I had a collection account, it was from XX/XX/XXXX. they then told me my last payment was done inXX/XX/XXXX. I asked them what they were talking about and who the creditor was they were trying to collect for. they told me it was for XXXX XXXX credit card. I told them that I didn't remember, but that I was at work and couldn't talk at the moment but to continue talking to my fianc. I myself and my fianc told them not to put the account in dispute, and the collection representative asked us if we wanted to dispute it and my fianc said no, however the representative went ahead and disputed it anyways. I know that doing this reactivates the collection on the credit report, and it shows it as a new/recent collection. I told them that this was an old collection and shouldn't be reporting on my credit report. I told them that I didn't want it to be disputed so that it wouldn't affect my credit report, but they refused to take it out of the dispute. I have not received any documentation regarding this debt.
Around early XXXX I began receiving suspicious bills, and debt collection notices from companies I have never had affiliation, credit accounts with as well as accounts I used to have but had paid off years ago. I did not pay attention to my credit for about a year, as I was homeless since losing my other home to foreclosure. After seeing this suspicious activity, I pulled copies of my credit reports from all the bureaus and saw many fraudulent accounts, addresses, and names associated with me. I slowly began to look into the matter and contact some of the account issuers and collection agencies yet they would not assist me despite being identity theft. Since I had been the victim of identity theft, I notified all of the accounts from the mail I received as well as all the credit bureaus ( Transunion, XXXX and XXXX XXXX I put freezes on all my credit files and filed an Affidavit of ID Theft with the XXXX. I also filed a police report with the local XXXX XXXX. I sent all my notarized evidence to all the credit bureaus as well as all of my signed and notarized Affidavits. Transunion responded to me today via mail that they are refusing to remove my identity theft/fraudulent items that I am the victim of.
My mortgage was put into a disaster forbearance plan in XX/XX/XXXX from Hurricane Irma. At the end of the six month forbearance ( XX/XX/XXXX ) i was offered and accepted a loan modification with trial payments that put the six months from the forbearance onto the end of the loan. On or about XX/XX/XXXX, my mortgage lender SLS, reported me 180 days delinquent. Those so called delinquent payments were added to the end of the loan and thus cant be delinquent. I have tried numerous times to explain with numerous letters and phone calls but to avail. I had four other mortgage lenders gave me the same disaster assistance with the payments added to the end of the loan, and none reported late ever. SLS is acting with a complete disregard for the consumer. Inflicting even more damage now than was caused already by the storm.
Account Number  XXXX  Debt Collect or : USCB AMERICA Date Op ened :  XXXX / XXXX /  XXXX   Past Due Amount : {$260.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  CA  XXXX  Original Creditor :  XXXX   XXXX  Account Number  XXXX  Debt Collecto r : USCB AMERICA Date O pened :  XXXX / XXXX /  XXXX   Past Due Amount : {$290.00} Contact Phone : (  XXXX  )  XXXX  Contact Address :  XXXX   XXXX   XXXX    XXXX    XXXX ,  XXXX   XXXX   XXXX  CA  XXXX   XXXX  Creditor :  XXXX   XXXX  I foun d two collection account posted in my credit account, by USCB Collect  ion . I wa s never aware of this account, i never received single letter or phone call regarding this account. It looks wife visited hospital hospital when we were separated, I was never aware of this account or her hospital visit. without sending the bill and letter debt collector just posted collection account in my credit. I contacted them an d payed in full. still they refused to delete. even though if account will be updated as paid in full, still it will affect my credit score.
My online payments to Navient take days to weeks to be processed and my account is listed as past due and reported on my credit rating as late payments. I am also paying early in the billing cycle so more of the payment is put to the principle of the loan. With it taking so long to process payments I end up paying more on the interest than principle. I have sent dozens of emails to ask to resolve this issue and have only received " we 're working on it '' messages returned. Making a phone call is useless as you are put on hold for long periods of time and never get to talk to anyone.
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.
I'm XXXX years old. Purchased a cell phone from XXXX XXXX XXXX. I maybe make about 3 phone calls a month because I have a land line that I always use. The most I could use the service is for 1 month. Now that has escalated into a charge of $ XXXX.Apparently the collection agency added on alot of money. I tried to settle for 1 month of bill but they refused. They won't send a statement because they Credence is of  over charging me & taking advantage of my age. I will NEVER pay {$460.00} for 1 month of service.
XXXX  has not sent me any information regarding this debt. It was sent to Enhanced Recovery Collections with a balance that is not correct. The balance is over {$300.00} and this is not the correct balance that was left off when leaving  XXXX .     I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( secti on 1692g ). Arizon a  State regulations require all debt collectors  to send specific written documentation verifying the debt. Please provide : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt amount and I do not owe any money to this creditor referenced of termination fee.     Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report.  Reporting inf ormation that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.
XX/XX/XXXX XXXX XXXX  sold out loan to XXXX XXXX, their loan servicer, bayveiw, was to start servicing after XX/XX/XXXX. Our loan payment was {$280.00}. On XX/XX/XXXX we received a letter from Bayview stating we owed {$860.00}. We didn't. XX/XX/XXXX a letter asking for completed financial statment. Confusing! XX/XX/XXXX letter says we owe {$570.00}, formal demand, notice of default, intent to accelerate! This went on through out XXXX. XX/XX/XXXX XXXX XXXX XXXX a bill collector for bayview, said we owe full amount of loan, {$16000.00}, or foreclosure. XXXX we received a money order back, {$600.00}, that payment put us over what we owed!! I did not understand, we received letters from Bayview several times a month, every month! They put us in foreclosure court, we answered. We filed modification, they foreclosed! The same thing through modification. Then second chance. I mean, we couldn't get a break from them. They couldn't even do automatic withdrawal. I sent a complaint, answer, XX/XX/XXXX, and still no reply what they are doing. My wife is on meds for XXXX and XXXX, and I am pulling my hair out. Not many problems until Bayview took over. We took out the loan in XXXX, 15 year loan for {$25000.00}, with interest and loan costs, almost {$52000.00}. 11.3 % interest, don't want to lose our home to these incompetent home stealers, I'm XXXX, my wife is having XXXX XXXX.
I scheduled an automatic payment with Paypal Credit to come out of my bank account on the due date, and I am being charged a late fee.
My husband and I 's minivan was totaled in XXXX of 2016. Someone without insurance ran a stop sign and hit the back end of our van, even causing it to somehow catch on fire! Anyway it was considered a total loss. Thankfully we had GAP insurance. Come to find out that our GAP insurance company did not pay the full amount they were obligated to pay. I talked to both the lein holder and the GAP insurance company and both parties were saying that the other one was wrong/had the wrong amount that GAP needed to pay to cover the remaining balance of the vehicle. Eventually there was a balance with accrued interest left on my account with the lien holder and it went on my credit report as a 30 days late payment since there had been no payment. I had to end up paying XXXX dollars just to prevent the account from going 60 days past due. Although my lein holder was sympathetic to my situation they have refused to remove the 30 days late payment from my credit. During all the talks I had with them -- they did admit it was the GAP insurance company 's fault that my account went past due and since then they have wrote off the remaining balance on my account which was about XXXX bucks. But i still have this issue with my credit report.
This is the third attempt to rectify an erroneous report to the credit bureaus by your company. As a result, I have filed a complaint at the CFPB. 
My file is found in your archives/history. 
XXXX AES/XXXX representatives ID # XXXX, have confirmed ( verbally ) that your records reflect a full refund/payoff, however, AES/XXXX continues to erroneously report this account as a Charge-Off to credit bureaus and damaging my credit score. 
AES has verified that : 1. The school issued a full refund within XXXX days and your system reflects account paid in full, 2. I never registered nor attended the educational institution, and 3. This loan was cancelled. 

Please remove this report immediately from all credit reporting agencies, or I will retain an attorney.
To my knowledge Equifax has been hacked, and many peoples information has been revealed and used. I checked for myself using my personal information, and Equifax states that I may be  among the people who have had the important personal information tampered with. I need my information protected! I need to be assured there is no improper use of my credit by anyone!
I received a summon and complaint from the courts, however someone credit information was attached. I have answered the courts and have sent a letter to the creditor to correct this information.
Member Client XXXX worked with as a loan Bank Teller form USAA on or around XXXX XXXX, 2015, the teller made an inaccurate dollar withdrawal from XXXX XXXX XXXX XXXX  account in the amount of XXXX. The correct amount should have been for XXXX dollars as check states, the reminder payoff balance of loan should have been pulled from XXXX personal checking, XXXX check issue date is XXXX XXXX, 2015 a  number of attempts to work with USAA to correct concern failed short, and reporting non accurate information to credit reporting agencies and not adhering to Fair Credit Reporting Act. Security data breach concerns were raised because of the additional XXXX dollars removed from XXXX XXXX  account was consider fraud, inaccurate again the number should have been XXXX. The action of a USAA teller taking more out of a business account caused insiffient funds with XXXX and 30-120 day delinquency on my credit report.
COLLECTOR KEPT CALLING MY CELL NO. ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX OR ( XXXX ) XXXX AND CALLING TO COLLECT XXXX XXXX XXXX DEBT.
I went to XXXX to purchase tires. I made several attempts to complete the purchase with my Chase SW Visa Rewards Credit Card which shows online as having proper credit balance and current status is ok. Each time the card was declined. I called XXXX and they said the issue was with Chase Bank. I called Chase Bank and they said there was a fraud hold on the card. I asked why. They could n't tell me. They put a hold on the card without telling me and caused me to spend over an hour trying to figure out. This is a breach of the cardholder agreement and just plain wrong. They are dishonest. If they are going to restrict use of the card with new online merchants they should notify the consumer prior to doing so.
Common Wealth Financial states that I owe them {$86.00}. This was a result of identity theft. Please contact them and have this item removed from my XXXX and XXXX report.
on XX/XX/XXXX I call veterans first mortgage to see if I could refinance my property at that time I spoke with XXXX XXXX XXXX, I asked him if I could refinance a property that I had bought on XX/XX/2016 for {$58000.00} and I needed {$4000.00} to paid my credit cards, he told me yes to give him all my information, later he call me to tell me that he was going to refinance the property for {$67000.00}, that i will have to paid {$450.00} for apraisal .I have to used my crdit card for the payment it was denied the apraisal value was way below the {$67.00}, I lost {$450.00}. by been promised that I will get the {$4.00}, at the end I was offered {$600.00} now my credt card is out of my limit Iwill like to get refunded {$450.00} from Veteran first mortgage ... help please
Constant robo calls during the day, starting at XXXX on the dot. Never a live human being. They call you to put you on hold for long periods of time during work hours. Last time I waited 45 minutes. They leave messages on my voicemail about debts when they have no idea what number it is or who it is ( since I have never been able to talk to someone ). I have never successfully connected with this company and getting tired of dealing with it, and have never been contacted by anything other then a robot.
Greentree mortgage never offered a pre-loss mitigation trial. They just took me directly to foreclosure. Refused to negotiate with my attorney who quit on with-out my knowledge. They refused to remove forced place insurance even after i provided proof.
According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX/XXXX XXXX   ACCOUNT NUMBER #
XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX HOWEVER I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX   ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX , DE XXXX  ( XXXX  ) XXXX THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, AND XX/XX/XXXX HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IA XXXX ( XXXX  ) XXXX   THIS ACCOUNT STATES THAT I WAS LATE ON XX/XX/XXXX, HOWEVER, I WAS NEVER LATE AND THEY CAN NOT PROVE THAT THEY GAVE ME AN EARLY WARNING NOTICE AS REQUIRED. PLEASE REMOVE THESE LATE PAYMENTS OFF MY CREDIT REPORT
I have Inquires on my credit report that i did not authorize and experian and XXXX  refuse to respond or adhere to the laws mandated
I have had several conversations with XXXX XXXX @ Valentine & Kebartas, XXXX in regards to a debt owed by XXXX XXXX/XXXX XXXX XXXX to XXXX XXXX ; the balance is {$7800.00}.
XXXX/XXXX/2017- I asked about a SIF ; XXXX offered 1X- {$5800.00}, 2X- {$6100.00}, 3X- {$6600.00}. told me absolute lowest he could go was the {$5800.00}. Told him I would have to get back to him.
XXXX/XXXX/2017-XXXX called as follow-up ; I offered 1X- {$3900.00} ( 50 % ) ; now he said he can come down to {$5400.00}, after he told me on XXXX/XXXX/2017 he could n't go any lower than {$5800.00} ( so he lied to me ). I advised to both I would not be able to afford that and would only be able to pay $ XXXX/month. XXXX 's response was that he would not be able to accept that. I responded stating I would just send that amount to either XXXX or his office, did n't matter to me because they would not refuse the money. Call ended after speaking to supervisor XXXX XXXX
XXXX/XXXX/2017-XXXX called again asking for intentions. Advised same thing as previous conversation. XXXX 's response was to ask me if we were represented by an Attorney. When I inquired why, he responded stating that this account would move further along ( implying we would be sued ) if I did n't pay exactly what he was offering. He ended call stating he would advised to move this account from his office ( not sure who he is advising ; supervisor, manager, attorney? ) Also stated he would no longer call me, but would only speak with XXXX XXXX, the owner of the company.
XXXX/XXXX/17-XXXX called ( Caller ID showed " MAP VER '' XXXX ; he is calling from MA not NY, why is this company trying to deceive me with an incorrect phone number? ) XXXX opened the conversation with what I could pay. I advised we planned to send the {$500.00} as previously discussed, but I was waiting to be contacted by an Attorney 's office like he had advised would happen on the XXXX. When I questioned him on threatening legal action, he immediately tried to retract what he said and said to just send the {$500.00} in ( which he previously told me on several occasions that he would not accept that amount ). I ended call advising I would be submitting a complaint against him and his company with the CFPB for threatening legal when there was no intention of doing so.