WillisBack/dataset-financial-user-claim huggingface dataset:
SENT THREE LETTERS TO THIS COMPANY ASKING THEM TO REMOVE THESE CREDITS FROM MY REPORT BECAUSE THERE IS NO CONTRACT WITH THESE COMPANIES ; THEY ARE SHOWING THE ACCOUNTS AS CHARGED OFF AND CLOSED ; AND UNABLE TO PROVIDE PROOF OF DEBT. 
UNFAIR REPORTING XXXX XXXX XXXX ( REPORTING OPEN DATE AS XX/XX/XXXX ) XXXX XXXX XXXX ( REPORTING XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX
I currently have a loan with them that I took with my dad. Im the first signature in the paperwork and my dad is the co-signer. My dad took a second loan with them and apparently he hasnt been making any payments on his second loan, the loan were hes by himself. This agency thought it was a good idea to take money from the account were Im on. My dad doesnt live with us anymore and we dont have any contact with him. The agency said that they have the right to move money from two different accounts.
I have sent Transunion a request to delete inquiries that are on my credit report and provide verification that this was me pulling my report. I spoke with XXXX and XXXX and neither one of these ladies helped me with the issue that I was having. I have already contacted the people who was pulling my credit report and sent them letters to verify that this was me giving them permission to pull my report. No one has responded back and provided the information that was requested. I have called and called and tried to file a dispute on these inquiries and they keep telling me I have to contact the company. Section 611 ( 5 ) ( A ) of the FCRA is that they are required to verify my claims and or delete all information that is not or can not be verified. I have waited and waited for the outcome and have not received anything since. The pulls that are in question are XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Several weeks ago, I attempted, for the first time, to sign up for an account with Credit Karma. 

During that process, the website indicated that an account had already been established in my name. 

I have never before opened, nor attempted to establish any Credit Karma account, nor has anyone ever been authorized to do so on my behalf. 

The Person or persons responsible for establishing and accessing this account have done so fraudulently and have done so using my personal identifying information. 

My attempts to reach the executive offices of Credit Karma have been unsuccessful since the company has NO contact information including valid address, working phone numbers nor email or fax numbers for its executive offices. 

While it is deeply disturbing to learn that confidential information has been fraudulently accessed and may have been disseminated, my concern is further magnified given the absence of clarity as to how long this account has existed or what actions third parties may have taken using this information in violation of applicable law. 

Upon discovery I filed a report with the XXXX Police Department indicating that my identity has been compromised. The Case Number is XXXX. 

I believe that the same parties have been illegally obtaining access to other accounts using my personal identifying information. 

I would like to determine all the salient facts so that I can protect my rights and take appropriate action. 

I would hope and expect that Credit Karma will seek to have the responsible held accountable under all applicable civil and criminal laws. Credit Karma needs to also establish a commercially reasonable way that their offices can be contacted in similar circumstances and to establish procedures to prevent this from recurring.
I have been making my mortgage payments each and every month on time, and have even put in an extra {$100.00} each month towards the principle. I started making my payments in XXXX of 2014. I found errors on their invoices about the due dates that was two months ahead. I let the lender know that this error was on their invoices. About six months ago, the lender sent me a letter stating that I had missed a payment, but after going through with their dispute department, they realized that were wrong and that I had made all of my payments on time which they said they had corrected. But after looking at my future invoices I realized that my principle balance had n't gone down between my payments. The lender has gone back and un-applied some payments and reapplied them back again, but are wrong in their calculations and have caused me to be short on my escrow which has raised my monthly by almost a hundred dollars a month. We are in dispute right now and my original lender has been trying to work on my behalf to correct these errors to no avail, even though my original lender sees the errors, but has been unable to explain to me why this is so. I have just received another letter from this lender saying that they were transferring my loan to another company, I believe this company knows that they are at fault for these errors but some reason, they are unwilling to correct them and passed the loan off the someone else.
VA Loan for Veteran. Mortgage loan application was submitted for credit approval only on XXXX XXXX. We asked the branch manager to submit the file to underwriting as we knew we were going to have a 30 day closing. We provided all income/assets/credit documentation. Including my XXXX form, my parole in place, Social security card. We found a house XXXX XXXX, I asked the Loan officer to please submit my application and provide the disclosures needed to start the process, the day I found out they never submitted the loan for underwriting approval, I requested for my information to be submitted as soon as possible. on XXXX XXXX I was told the only items needed for final approval/clear to close was the appraisal report and the termite report, they both came in the same day. on XXXX XXXX the processor called saying they needed a copy of my XXXX, I told her that my legal status did n't required a visa. provided the documentation my attorney gave me and asked for them to call XXXX, I was told VA had this requirement. I called VA in AZ who handles CA VA Loan approval. I was told that was n't true,, the underwriting representative told me that VA only requires for the spouses income to be stable, that VA loan was mean to help the veteran. I spoke with the branch manager and loan processing manager, I was told by them that it was a Navy Fed Credit Union. They had my file for over 40 days, my rate was locked and now I 'm they denied my loan since I cant provide this " XXXX '' that I do n't have. XXXX asked me to ask them to call them to verify the information, they would n't do anything extra to help. I feel they waste all of this time, lowered my fico score from running it so many times and now I have to look for a new lender pay a higher interest rate and fees. Should n't they have checked this before? my loan application clearly disclosed this information, I provided copies of all these docs. I asked multiple times if they needed anything else from me. 

Can you provide give us some advice? This seems very unfair for a applicant and up to a certain point discriminatory as I 'm allow to work in the USA, I have since I was XXXX I 'm now XXXX the close of escrow is XXXX - this house was the perfect house for my husband who is XXXX, the owner had already set up the house for a XXXX person. We do n't want to lose this house. 


any help will be appreciated Thank you XXXX XXXX
I purchased some tires and rims from XXXX for XXXX 90 days same as cash i went past my 90 days by 2 or 3 weeks i paid XXXX plus to my XXXX balance when i called XXXX XXXX i asked for a pay off and was willing to pay but i was told since i went pass my 90 days i would have to go the full loan which would be another XXXX dollars over the next 8 or 9 months that is not fair my balance should have been XXXX to XXXX dollars i was willing to pay cash i will not let them continue to take XXXX by weekly out of my account i tried working with them but they want to make me go the full term.
I have a HELOC that is being serviced by DITECH. I am paying interest only payments right now and it is due to reset, ( pay principle and interest ) this year. When I ask DITECH what month will it start. 

I was told in XX/XX/2017 and most recently in XX/XX/2017. I asked for it in writing with payment amount and was told it could not be done because they did not know and it could n't be figured. I just " had to wait ''. 

I have friends whose bank gave them a written notice a year in advance. 

I would like my new payment information concerning the reset as soon as possible so I can plan accordingly. 
They know the principle balance due. I should be able to get an estimate and not be left in the dark until the last minute. I have heard of payments doubling and more. I do n't want to lose my home Is there anyone I can turn for help? I am afraid they are going to stick to me because this was ( is ) a predator loan bought from XXXX.
XXXX XXXX XXXX, was allowed to access my credit report on behalf of XXXX XXXX without my permission and apply for a payday loan.
I have contacted XXXX and Transunion to have incorrect addresses reported on my credit report removed. I have written letters, filed disputes and it has not been resolved. I will attach my most recent letter regarding the information and request to remove.
Despite two written requests, Wells Fargo Bank unverified item remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed. Specifically Naming " Wells Fargo Bank '' as an entity entitled to enforce a commercial claim against me. This debt is considered to be invalid until I receive proper validation and your office provide proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines.
I have a debt on my account that is not mine, I 've had XXXX and have not went to the hospital at all. The account is with CRA COLLECTIONS for medical and I know it is not mine.
My husband passed away on XX/XX/2018, and I am a XXXXold widow who is still in mourning. I was told ( correctly ) by XXXX XXXX XXXX Master Card that, as an authorized user, I could neither use their card, nor would I be responsible for my late husband 's debts. As a result, I panicked because I had never been responsible for finances before, and I did not know which credit cards I could still use as a co-owner, and which I could not as only an authorized user. As a result, out of naivete, I did something XXXX and applied for too many new credit cards in my own name at once. This, of course, changed by credit rating which is still ( at last glance ) rated between good and very good in all three credit files. My complaint is with XXXX Bank and their " XXXX XXXX XXXX XXXX  '' Master Card. While I understand their concern, their response was both incompetent and consumer unfriendly. In my naive hunt for new credit cards, I opened the " XXXX XXXX XXXX XXXX '' Master Card, because I like XXXX XXXX XXXX XXXX XXXX  merchandise. I made a few very small purchases on that card -- under {$50.00} each -- and paid my bills on time and in full. Nevertheless, XXXX Bank cancelled my credit card about three days after my timely payment in full. The bank also showed some incompetence prior to this that I should have taken as a warning of bad things to come. After my application was accepted online, I received no additional response -- which was odd. Since I applied on a Sunday, I figured that my application had somehow not gone through, and I more or less forgot about it. Suddenly, a few weeks later, my card appeared in the mail. I activated it, but when I tried to use it for the first time, it would not go through. I called customer service, and a very nice and helpful woman said that my card had not been activated, and she activated it ( a second time ). That was all okay with me, and my order went through. I also placed a second order ( under {$50.00} ) with no problem. However, these initial irritations served as something of a harbinger of incompetence to come. I know that credit card issuers may legally cancel any account at any time that they wish, but I believe that I was treated very badly as a consumer, and that XXXX Bank is horribly incompetent.
So to start off i noticed a credit alert on my credit file telling me there has been a collection account added to my TransunionXXXX  credit file in the amount of XXXX .The collection agency is XXXX   XXXX XXXX , I then reached out to the company and demanded to know why there is a collection account on my credit reports that does not belong to me.The XXXX XXXX XXXX representative was very rude to me as well not helpful at all, i then request all information on the account as well as the signed physical contract with my signature on it, the representative ( XXXX ) then hangs the phone up on me, I try to call back know the number doesent work.while researching this company that goes by many names and several other consumers have the same problems with the same company/collection agency.I have never received any notices from this company or did any kind of buissness with XXXX , I received calls at my job as well as my home late hours of the night, witch is clear violation FDCPA.This account is has no payment history, as well incomplete/missing information.Transunion/XXXX  is reporting erroneous information to my credit file.Same thing here with another collection account XXXX XXXX in the amount of XXXX reported by XXXX also no payment history/incomplete/or missing info.This is in violation of the FCRA Section 609 as well Section 611 of the FCRA.I ve been givin the run around by all parties and know I have consulted an a attorney to help me threw my next steps
On a daily basis I am called by XXXX XXXX ( XXXX XXXX ) although they have been notified that I am with a settlement program to resolve my debt with them. They have started to leave the same messages on my husbands cell phone, my husband is not an authorized user on this card and never supplied his number regarding this account. 
The transcribed message is as follows : XXXX ( XXXX ) XXXX XX/XX/2018 at XXXX This is XXXX from XXXX XXXX in regards to XXXX XXXX, at this point my office has assumed that you are ignoring this matter and that you have no intent to provide a voluntary resolution so now I do need to speak with you or with your attorney no later than XXXX on Saturday XX/XX/XXXX so that way we can discuss the situation and come up with a solution. If I do not receive a call by Saturday then I am going to assume that you are not interested in options that I do have and that you were no longer handling any business herewith us my number is XXXX and my extension is XXXX. 
*These threatening calls are daily on both my husband and my phone. XXXX XXXX has been notified for several months that i am in a debt settlement and received notice that the debt settlement company has been given authority to deal with them on my behalf.
On XXXX/XXXX/16 I made a payment by phone to " XXXX XXXX '' of " XXXX XXXX XXXX XXXX '' in amount of {$340.00} -- payment in full for medical date of service XXXX/XXXX/16. This account was paid IN FULL and was NOT PAST DUE. On XXXX/XXXX/16 I received a " transmittal notice '' from " Transworld Systems , Inc. '' stating my account had been submitted for collections due to nonpayment. I have verified with my bank that the payment was successful on XXXX/XXXX/16. The hospital has erred and should have never referred this account for collection. I have left several messages for the hospital 's billing office ( XXXX/XXXX/16 ).
I had three XXXX school student loans serviced by Navient. I have paid off all of those three loans in full. However Navient refuses to say that these loans are gone, and in fact just this morning sent me a notice saying my payments were set to increase! ( Even though my principal is {$0.00} ). 

I called Navient numerous times to ask when they would " process '' the fact that I've paid them all the money I owed. They initially said this takes 7 business days. Then they said it would take 30 business days. This is disconcerting because the first Navient loan I ever paid off was processed instantly as " paid in full. '' However the two loans I paid off in the last two months are still shown on the website and in new documents I'm receiving regarding payment increases as active loans. 

I've asked to speak to a Navient supervisor about this issue but the first-line customer service support says that is not possible. Given the recent publicity about other problems Navient has had servicing student loans, I am becoming increasingly suspicious that their intent is to not accept my payments in full, but rather keep me chained to the indentured servitude of student debt in any way they can.
The credit reported as XXXX XXXX is falsifying my student loan debt that I have filed as forgiven numerous times and the company has called and sought the mis use of my student loans on numerous occasions in hopes of gaining money that is already settled. 
In addition, the companies XXXX XXXX, and XXXX XXXX XXXX XXXX perpetuate credit use with XXXX XXXX records by switching company names and deleting payments made. The companies were suggested by XXXX XXXX who received payments and proceeded to perpetuate my payments as well. XXXX XXXX was told to be the account holders of XXXX hospital to this date. I have paid these companies numerous times and nothing has been shown on my credit report and my account balances continue to exist regardless of my payments.
I sent a letter to Experian letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Experian did n't remove the accounts they sent me a letter back saying that the items had been verified. I have requested an investigation and re-investigation on XXXX, 2016, XXXX, 2016 and again on XXXX, both times my request were ignored. I am asking that these accounts be removed as they are fraudulent and both request to have them investigated have been ignored.
XX/XX/XXXX Case Number : XXXX I am filing a complaint against XXXX XXXX XXXX. This company bought a debt that I had with XXXX XXXX in XX/XX/XXXX of XXXX. Later in XXXX I started receiving phone calls from XXXX XXXX in XXXX about this debt. The XXXX XXXX employees in XXXX asked me for my credit card number to pay the debt. I didn't want to give them my credit card number and wasn't convinced that this debt belonged to me. The default date of the last payment on this account was XX/XX/XXXX. In and around XXXX of XXXX. I began receiving calls from this Company MCM in XXXX, they would call me several times during the week and ask me if I would pay this debt, I ask them where I was calling, and they said XXXX. I replied where am I calling where again he said XXXX, I stopped to think about what he just said, and I said back XXXX, and you want me to give you my Credit Card I don't think so. This went on for several mouths and a couple of years. I told them No, send me a bill, they called me in or around XXXX of XXXX I told them my situation they said ok XXXX XXXX they asked me about my Law suit I said I could not talk about it, I'll know more in a year, I never heard back until I called them in XX/XX/XXXX, since then I have found them to be dishonest in my findings. I talk to Attorney XXXX XXXX on XX/XX/XXXX, I told him that statute of limitations has ran out. He said NO, on XX/XX/XXXX he said I made a payment and I said NO, I did NOT. This account has been closed for over 8 years or more. We checked our checking account, NO records found to XXXX in our checking account stating from XX/XX/XXXX. He made this up, so the status would be affective when earlier I mentioned the default date and last payment was made on XX/XX/XXXX. There is much more to be said about their Law practice, more can be given to you upon request.
I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on Lexis Nexus. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
I have a dispute still under investigation with XXXX of the credit bureaus. 

XXXX XXXX XXXX is the debt collecting company collecting on behalf of Suntrust Bank on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment in XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in XXXX lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.