WillisBack/dataset-financial-user-claim huggingface dataset:
My parents have been receiving harassing phone calls from a person who identifies themselves as a XXXX XXXX in XXXX County who claims if I do not contact him he will arrive at my house to serve me papers so I go to court over a debt issue. When I contact the number he left, it is for a company that is going by the name of Alternative Dispute Resolution. I called and spoke with a lady named XXXX who stated she needed my case file and she would have to contact a lawyer. She placed me on hold and then came back on and stated, " I spoke with our attorney and I have the hard copy in from of me. Is your birth date ...? '' I stated that I could not confirm that as I do not give out my personal information over the phone to someone I do not know. She stated that I didn't need to be childish about it. I stated that I was not being childish and that I didn't understand why she needed my birthdate. She stated, " Good luck in court '' and hung up
I experienced water damage to my home in XXXX of 2015 and my mortgage lender wants to charge me {$46.00} third party inspection fee ( charged to my mortgage loan ) each time an inspection is required. I take exception to this fee and do not feel that I have consented to it with any mortgage agreements I have signed. I understand the bank 's need to protect their interests by having the work inspected but feel that the bank should incur this as a cost of doing business and not burden me as a customer with the cost of it paid over the remaining life of my mortgage.
On XXXX I acquired an auto loan from First Investors XXXX XXXX, GA. The loan was for 72 months. The loan should have been paid on XXXX. I contacted First Investors on XXXX and asked about the pay-off on the loan. I was shocked when they told me that I still owed {$9000.00} on the loan! They claimed it was for deferred payments and late fees. So I paid and another year later I still owe {$8000.00}. on this vehicle and if I do n't pay it they will repossess it. I can not even trade the car in because there is so much negative equity on the vehicle that a car dealership/bank wo n't touch it. XXXX car dealership told me the car is only worth {$1500.00}. I 'm at my wits end. I ca n't get anyone at First Investors to return my phone calls. I really need some professional advice. The last time I actually spoke with a person from First Investors, I told the person that I was contacting the CFPB and they just laughed at me. I just feel so overwhelmed. Thank you for any advice you may forward to me.
I applied for a car loan when my credit score was excellent. They had a 0 % offer advertised. I was not offered this loan but a higher amount. 

Why did I not get the special offer?
I used XXXX XXXX as a credit monitoring service. On XX/XX/XXXX, I surf through the XXXX XXXX website for car rates. Unlike many credit monitoring services such as XXXX XXXX, XXXX  XXXX, XXXX, XXXX  XXXX actually have you check car rate with a possible hard pull. The verbiage was totally misrepresented and wrong on so many levels. However, I was approved for two loans that I was unaware that I had applied for. One was through XXXX ( hard pull inquiry on credit report ) and the other through XXXX ( Soft pull inquiry on credit report ). I was aware that a hard pull would take place, but only if I had applied. I was checking for car rates, which was what I clicked. At that time, there was no apply or apply here or apply now. I was mislead into believing that I was searching for rates which normally would not require a hard pull. I check for car rates all the time but never received a hard pull until XXXX XXXX. To me, this website lured me to a loan that I did not apply for which expires XX/XX/XXXX. The amount that I was checking for was {$26000.00}. I was approved for {$18000.00} at 16 % with RoadLoans.com which would have been acceptable with my credit score. I received an alert from the credit bureau XXXX that an inquiry was placed on the report. It never occurred to me that I was applying for a loan. On the same day, I contacted XXXX spoke with XXXX ( pronounced XXXX ) to cancel the loan requests. I was informed that that the loan requests will not be cancelled until XX/XX/XXXX expiration date no cancellation request required. Additionally, I ordered a copy of the Credit Report. As soon as I received the report, I contacted XXXX to dispute the XXXX ( XXXX XXXX XXXX ) inquiry. A rep suggested that I contact the creditor, so I did contact XXXX and was referred to XXXX   XXXX. I then spoke with XXXX at XXXX XXXX due to being, I feel tricked, he directed me to XXXX   Credit Agency and stated that usually some of these companies are ready to prepare a check after approval. He transferred me to XXXX who stated she would attempt to assist me on trying to help me remove that inquiry and will call me back the next day on the status. There was no call back the next day and I have an inquiry on my report that I did not authorize. I did not fully understand that even if I did not click on an apply button that it is likely that an inquiry would show up on my report. I will never check rates with XXXX XXXX again. I will not recommend and discourage the use of this website to my friends, family and anyone I can thank of. Application ID # XXXX
This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using XXXX XXXX, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only XXXX can issue legal tender, and XXXX  XXXX relieved me from debt, since it's public.
I recently checked my credit report on XX/XX/XXXX XXXX and saw a collection account on my credit that I never had. The collection is from Navy Federal Credit union for 2 different accounts the amount of the first account ( # XXXX ) is XXXX. The second account number is ( # XXXX ) .I sent out a certified letter to the company requesting documents proving this was my account such as anything I have sign with them along with a copy of my social and driver license to prove to me that I have in fact had this account. The letter was mailed out via USPS CERTIFIED MAIL on XX/XX/XXXX and it was received and signed for on XX/XX/XXXX. In the letter I asked the company to provide me with the requested information within 30 days but they have yet to do so.
I was a fitness member at the XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX located in the XXXX XXXX in XXXX, TN. In XX/XX/XXXX, I was getting ready to relocate to another area in the city and decided that I would no longer need my membership. I went into the fitness center and requested to cancel. I never signed a contract to become a member and there were no fees to cancel. XXXX told me that I would have to put it in writing. He wrote all of the information down and I sent a letter to have the payments stopped. Somehow in XX/XX/XXXX, a collection agency reported that I owe {$160.00}. The debt is inaccurate. I have never received a notice from XXXX XXXX XXXX XXXX or Aldous and Associates. The collection agency claims to have been reporting since XX/XX/XXXX and I have never heard from them. This information just popped up on my report in XX/XX/XXXX.
Account Ending in XXXX : Transaction as Credit of {$3000.00}, which never was placed back into my account from XXXX XXXX claim # XXXX. On XXXX XXXX transaction in the amount of another {$3000.00} was taken out my account without my authorization putting my account back in an negative balance. Bank of America using the same claim number and not creating a new claim number when I called to talk to XXXX, ID # XXXX on XXXX XXXX @ XXXX XXXX. she gave me the same claim number for another transaction dispute done on XXXX XXXX in the amount of {$3000.00}, for XXXX again. I called XXXX  on XX/XX/2018 spoke with XXXX and stated that my account was hacked and confirmed the two transactions that I made with XXXX. XXXX placed an alert and merged my accounts together for me. I find that another transaction in the amount of {$3000.00} done on XXXX XXXX for an temporary credit adjustment for claim # XXXX, but was not issued on XXXX XXXX into my account. I have called several times to resolved the issue, but have not. It has been 5 months and account still the same. I felt that Bank of America discriminated, delayed responds, non-responsive, used inaccurate information, retaliated against me when I filed my complaint. Account ending in XXXX I had the same problems with on XX/XX/2018.
I have resubmitted to both the Credit Agency and the Creditor to remove the previously deleted materials. I signed up for a credit card from XXXX XXXX XXXX ( issuer of the XXXX Red Card ) XX/XX/XXXX. XXXX XXXX XXXX failed to provide a card and statement in order for me to submit payment. They contacted me stating that the account would be going into collections, and I informed them that I had not received a card or received a statement. They stated that they would send a statement and reage the account. I received a statement and paid the statement in XX/XX/XXXX. I was applying for a home loan when a Failure to Pay came up on my credit score issued by XXXX XXXX XXXX. I did not receive approval for this loan due to the impact from XXXX XXXX XXXX. After 8 months of working and disputing with the Credit Reporting Bureaus and XXXX XXXX XXXX the Failure to Pay was finally removed XX/XX/XXXX and submitted it " Paid Satisfactorily ''. On XX/XX/XXXX I checked my credit score and XXXX XXXX XXXX has resubmitted a 30 day overdue, decreasing my score. I never received notice that this had been Reinserted. XXXX XXXX XXXX is unfairly attacking customers, making it nearly impossible to remove incorrectly reported items and should be investigated. When I contacted them to get the account fixed today they stated that they saw where it was reaged and the Failure to Pay was removed and changed to Paid Satisfactorily. However, they stated that after this it was reaged again, without my consent or knowledge that this was added, and I would charge that this is in direct disregard for the Fair Credit Report Act Section 611. ( B ). No details were provided and no contact was attempted to be made. The customer service manager at XXXX XXXX XXXX was rude at best. When telling him that this was previously deleted from my credit score, he stated that he saw that, and that someone decided to re-report the materials. He did n't state who made this decision or a reason for it. After over 20 minutes of arguing that it should not be on my credit report, he stated that he would file a dispute. This transaction number was XXXX. I want XXXX XXXX XXXX to remove this error from my account, and stop abusing consumers.
In XX/XX/2017 I closed my home equity morgage account with Wells Fargo. At that time in the closing documents I was charged {$510.00} in homeowner insurance that I should not have been charged. Trying to get information on this and an additional {$440.00} in fees I was sent a three page document of customers accounts and personal information. In the 5 months it took to get the {$510.00} refunded ( which was rediculous as my original homeowner insurance was in my original documents all along ) I had mentioned the customers information documents I had sealed in my safe. No one cared. Now that I have cashed the refunded check for {$510.00} I began getting rude and threatening phone calls from a XXXX XXXX from Wells Fargo bank demanding the documents who stated he would be calling me daily until he got them. I called the federal reserve who referred me to the FDIC regarding the documents and to you too stop the phone calls. I am following FDIC instructions and hope you can stop the calls. My name is XXXX XXXX and my number is XXXX. Thank you for anything you can do.n
I have filed a dispute with Equifax for 6 consecutive months on my XXXX XXXX Account. They are reporting the same account twice. After every investigation I am told that those accounts have been verified despite my dispute asking them to delete the duplicate accounts. I only have 1 account with XXXX XXXX. Equifax has the account listed twice with the same account number, amount, and terms of agreement but only two days apart. I explained to them each and every time that no company will give a consumer the same loan for the same account days apart. I have completed 4 online disputes and 2 disputes over the phone with an agent. After reviewing the investigation results, I immediately call the company just to be informed to do the process over again while engaging in an unprofessional dialogue on their part. The main manager by the name of XXXX with the dispute department has been very rude throughout this process. One more than 2 occasions, I have had to tell her to stop yelling in my ear, when I continued to ask her to explain why they keep giving me the run around. I have contacted XXXX and was told by them that they are only reporting once to Equifax and it is an error on their part. They said their hands are tied becasue they are doing what is required. I called to relay the informtation to Equifax and they continue to say that XXXX is reporting twice due to their investigation.They keep asking them to verify the account but is is obvious that it is not being investigated because there is no way XXXX is verifying erroneous information stating that they gave me the same 1 loan on two separate days only days apart with the same amount, account number, and term. This erroneous reporting is negatively impacting my overall credit score which lessens my chances of making favorable purchases. Please assist, I dont know what to do at this point. 

I have repeatedly asked them to delete the duplicate account.
Today, XX/XX/2018, I tried to log in to my chase account. It said my account is suspended. I was just at the bank earlier so I dont under stand this. I spoke to 4 different people on the phone and they all said my account was being closed by chase and they wouldnt give me a reason why. Thy just said they were closing it and there was nothing I can do about it. I do not owe them any money.
I became injured and unable to perform my job 12 months ago and can not pay my private loan anymore. I have told Navient this repeatedly, and they are now harassing me, my mother, and mother in law with constant phone calls and letters. They will not stop. They have also hung up on me when I have returned their calls to state my situation.
The university returned a portion of my student aid without informing me until after the term was completed. I was enrolled for a certain number of hours. I was unsuccessful with one class. The university had already received my financial aid package and applied it to fullfill the balance. However, at the end of the term, they returned a portion of the funds because i was not successful in a class. They did not correspond with me prior to doing this or inform me that it would happen.
Navient is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Navient continues to report this erroneous information on my credit report. I have attempted to speak with a Navient representative about this mistake and they are rude each time I call and refuse to remove this information.
This debt was placed on my credit XXXX 2017 I do n't have a XXXX  phone someone has opened a account in my name.
Dear Sir or Madame Equifax has repeatedly reported my name incorrectly, with many different variations, which has affected other organizations being unable to access my credit report. 
Attached are several older Equifax reports which show these incorrect variations. 
Equifax Report XXXX XXXX XXXX XXXX XXXX. 
Equifax Report XXXX XXXX XXXX XXXX On XX/XX/XXXX I faxed Equifax identification such as driver licensure, social security and utility bill. 
About 3 month ago, I mailed in identification, which an Equifax agent stated they did not receive. it. 
Therefore, XX/XX/XXXX using certified mail, I resent Equifax my identification of driver licensure, social security card and utility bill. 

Enclosed ; A ) Dispute Letter Sent to Equifax B ) Old Equifax credit Reports XXXX and XXXX C ) Supporting ID documents sent to Equifax
After a home refinance, my loan was repackaged and sold to a new servicing company, Nationstar. I setup my first loan payments on a timely basis as well as an additional amount that I designated to be applied to principal on a monthly ongoing basis. Nationstar started withdrawing only the loan payment and upon calling them back they were able to get the additional principal payment setup. However, the setup was apparently created incorrectly. Although payments approximately XXXX the actual amount due were being withdrawn from my checking account on a monthly basis, they were initially incorrectly applied and then some 5 months later my wife noted that we were getting notices for late payment of the mortgage. I called Nationstar and they assured me they would rectify the problem and it would not be reported and would not affect my credit, this was in XXXX of 2015. Again in XXXX I received a notice from a credit reporting agency that my credit score was being lowered due to unpaid mortgage payments. I again called Nationstar and was again told it would be fixed. I did not follow up assuming after twice being assured it would be done, after already being assured my credit would never be touched. This past week on XXXX XXXX I was applying for a refinance of a business loan and when queried about my mortgage by the banker I went online to check my rate with Nationstar. Since my inception they added an online history of payments section and free FICO reporting. I checked my FICO and was dismayed to find that my score which is normally around XXXX or higher was now XXXX. I again called and now got very upset at the continuous lack of attention to my account and the confabulations and empty promises made my customer service agents who really did not care about my credit. I queried about my prior calls and the logs were very thinly documented with no discussions of any of the issues that they created for me. Keep in mind I have paid almost twice what was due during the past 14 months yet my credit score took a hit due to incorrect reporting of 5 months of missed mortgage payments. I am now being told by Nationstar it could take up to 180 days for the agencies to fix my score. If my interest rate on a $ XXXX refinance of a business loan is negatively impacted by this, I will have been financially damaged by Nationstar. I called my lender to find out who regulates the Mortgage Servicing Industry and found that you are the agency that does this. Please help or advise me if I have a legal case against this incompetent and uncaring organization.
Dates are approximate. 

When the news reports came out saying that Equifax had known that personal consumer information had been leaked from their system, I went to the website to try and understand how I could protect myself. The website was confusing. I started the process but was still confused, so I tried to call them. 

After being hung up multiple times, I gave up. The next day, approximately XX/XX/XXXX, I called them again. After two or three calls, I got through and spoke with someone. That person said I had to use the website. I asked to speak to a supervisor, and was put on hold and hung up on. I called back, and spoke to a representative who told me I had to use the website. I asked to speak to a supervisor, and was put on hold and spoke to a supervisor who said they were only an answering service and could not help me. They said I had to contact Equifax. 

On XX/XX/XXXX, I spent a great deal of time trying to call Equifax. I tried every number I could find. All I found was voice mails and automated systems. 

On XX/XX/XXXX, I went back to the Equifax system and discovered that my information had been leaked. I tried to contact Equifax by phone. After going through many menus, their automated system told me their automated system was unavailable, and they hung up on me.
Wells Fargo decreased my credit limit based on a recent update to my credit. I have never had a late payment and have made large lump payments in the past. They did not warn me about the change and it is also going to impact my score by increasing my debt to credit limit ratio. This is egregious behavior in their part because they are causing a " double hit '' on my score. I wast even made aware of the change until I tried to use the card for car repairs.
This is again the same dispute over and over see confirmation of payment XXXX// I faxed this information to you onXX/XX/2015 with a copy of my driver license bank statement when it was paid I been having to do this every 14 months the day of payment was made XX/XX/XXXX {$85.00} it was under the name XXXX XXXX it will faxed again if need it thank you
I was a visiting scholar 4 years ago in XXXX. I had a XXXX VISA Account and I closed it when I left XXXX in XX/XX/XXXX. This year, I came back to XXXX again. However, when I saw my credit report today, according to XXXX, I had a bad debt rating. I called XXXX CARD, they told me that I had a {$90.00} payment in XX/XX/XXXX. How could it happen with a closed account? If there was a pending payment, how could I have not been notified? And how could this account be closed?
This person contacted my father in law first about a debt my husband does not have. I returned the call and the person tried telling me he was going to go to his place of employment and it was better talking to my father in law. My husband called after the male representative began being verbally assaulting to me. He told the representative that it was not his debt and to please mail him proof to our PO Box and the gentlemen began accusing my husband of not being able to speak for himself.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Also there are several inaccuracies with this account the way it's reporting and that's a total violations of FCRA and FDCPA. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.