WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX I received a harassing call at my place of employment from a man by the name of XXXX XXXX from a company by the name of XXXX XXXX ( Address provided : XXXX, CA ) XXXX. XXXX XXXX said they handle legal claims prior to litigation. XXXX XXXX also said this was an account I had opened with XXXX XXXX in XXXX XXXX and that the last payment was made in XXXX. I informed XXXX XXXX that I never applied nor I have a credit card from XXXX XXXX. He said that if I did n't settle right then, I would be taken to court and be liable for their legal fees. I asked XXXX XXXX to stop calling and especially at my place of employment, he told me see you in court!. 

Today, XXXX/XXXX/XXXX, I received another harassing call from a woman from the same company saying she was handling my law suit and that I needed to pay or else I would be taken to court and be responsible for court and legal fees. She said I had opened an account at XXXX XXXX in XXXX and purchased items that I never paid back. I told her I had never had a credit card from XXXX XXXX, but cut me off and threatened me with garnishing my wages and going after any assets I have, including bank accounts and property if I did n't pay them. She then hung up on me. Both people from this company were very threatening and made sure that my place of employment knew they were calling about a legal matter.
In XX/XX/XXXX, I hired a contractor to do some work on a property that I owned. This contractor gave me a quote for almost {$12000.00} to do a variety of things. We paid him half, or {$6000.00}. The contractor, over the proceeding months, did no work, stalled a dozen times, had us pay additionally for materials under the guise of starting the work, and we finally fired him in XX/XX/XXXX. We hired another contractor for what money we had left for the project in XX/XX/XXXX to complete the most urgent repairs. We then disputed the {$6000.00} for services NOT rendered with PNC, and at this point, the most urgent repairs are already completed, which PNC does not seem to understand. 

Over the last few months, we have given PNC everything that they have asked for to get the {$6000.00} back, only to be told a different thing by a different person every time that I call. Earlier in this debacle, we were given an incorrect case # and documents were faxed to the wrong number, and the case was closed. The last time that I spoke to the woman who was in charge of our dispute, she said I needed a statement by the contractor stating what he did, and the condition of the house when he did the work. I provided this, only to get a denial letter two weeks later. I had called to inquire about the dispute, only to be told that they needed some completely different document to be signed by the contractor, which was not told to me before. I have called there more time than I can count. I have been told so many different things I don't know how else to resolve this. I sent them emails where the contractor admitted to not doing any work, text messages, receipts, statements, estimates, - every piece of well-documented proof that shows this man took our money and did NOTHING. 

PNC refuses to give accurate information so we can provide the myriad of documents that they are requesting. I think the heart of the issue lies in that they believe we are disputing work that we paid for that had to be redone ; the issue is we paid for work, and NOTHING was done. PNC needs to give us accurate information and resolve this dispute. We do not owe the {$6000.00} that we paid, as the contractor broke his contract and did nothing. We have given PNC all the documentation to support this, including the contractor, XXXX XXXX, admitting that he did nothing, admitted that he owed us, and was asking if we are going to sue him. 
This needs to be resolved now. 

Dispute # XXXX
I have a pending 1 month credit bills on citibank. It became double the next month.I understand because I did not pay the previous bills.And they block my salary account which is also in citibank.I cant withdraw any single amount.My question is.Is it proper that citibank block my salary account.And take all my money which is my salary? I 'm a family man I have XXXX kids.Now because of that 1 month my family will starve.Please advice me if I have the right to complain. 

Best Regards
I disputed the information from my report because it dose n't belong to me over 3 times and still haven't gotten a response from the company. I want this account removed ASAP.
I purchased a home in XX/XX/XXXX and recently requested some assistance so I could keep the property and not allow it to go to foreclosure. 
The original value was $ XXXX and the current value is $ XXXX. 
I have made all of my payments on time and requested asmall reduction in my interest rate to continue to rent theproperty and not take a beating on the delta between therent and the mortgage and association fees. Themodification was denied because the loan was refied in XX/XX/XXXXand they stated my situation was not a permanent impair-ment so they refused to assist.
Flagstar Bank XXXX Corporate XXXX, MI XXXX Ref : Loan XXXX I am writing this letter to advise you of the difficulty of making my original mortgage payment every month, I originally bought the house back on XXXX 2001 with a very steady job and my mortgage payment history have been very good over this year 's even when my prior job lay me off and I was still able to pay on time. Unfortunately my circumstances right now have been changed because of my illness and my XXXX for long term of my life. 
Now I 'm trying to readjust this financial transition because the income from my long XXXX will not be at the same the half of what was my income, but I really want to keep my home. For me and my disable old mother. 
FYI. Regarding my case as I 'm XXXX person. If I 'm able to modify my loan with the bank and I will be folly charge of my taxes with town and with the school taxes. 

Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXXXXXX FyI i keep trying to modified my loan many time and they keep denied me..all the time and they denied me again after my brother offer to help me and my mother with contraption monthly payment. i have the bloomberg report and we found fraud of my loan. i need help with the district attorney to file case against my FlagStar Bank. because i do not have extra money to cover the legal attorney fee.Thanks. for your cooperation.
While we were vacationing in XXXX, FL last week ( XX/XX/XXXX-XX/XX/2015 ), some crook went into a Chase branch located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and EMPTIED out our checking account. Someone posing as my husband withdrew {$4300.00} from our account leaving us with less than {$130.00}!!!!!! We have many bills coming due XX/XX/XXXX including our mortgage and homeowners associated dues, with others to follow including life insurance, car payment, etc. We went to the branch and filed the complaint. Chase says we now have to wait 30 business days and will not give us a provisional credit! This is OUTRAGEOUS. That will bring us into XX/XX/XXXX! We have bills to pay. This was not our fault. This was negligence on the bank 's side and they can easily fix this by pulling up surveillance video to confirm this was not us. Now we suffer because of the lack of security measures taken at the branch that allowed some low life criminal to empty our checking account on XXXX!!!
I had a second mortgage with LoanCare of VA. In XXXX XXXX I made my normal payment at the beginning of XXXX. Then at the end of XXXX I made my payment for XXXX XXXX. Then about four months later I started getting late notices. LoanCare had counted my XXXX XXXX and XXXX XXXX payment as one XXXX payment. I called and they fixed the issue and removed the late fee. They assured my at the time that their error would not so up on my credit report. It showed up on my credit report anyway as a late. The account was never late. I have complained numerous times to them and the credit bureaus but they refuse to fix their mistake.
SunTrust breached confidentiality laws and handed XXXX pages of my personal records to my to ex-husband. I have an open case with Suntrust. I received a letter today from Suntrust basically saying since the accounts were linked he had access to my personal information even without his name being on all the accounts.
Original loan documentation has PMI section. Indicates a borrower can request cancellation of PMI when " ( XXXX ) The date the principal balance actually reaches 80 % of the original value of the property. '' I put a request in as our market area as experienced an increase in property values. I understand I would have to cover the appraisal costs to affirm the property value. However, when I received the letter from Wells Fargo, it now indicates a 70 % LTV is required.
I have a cancelled GAP {$1500.00}, refund goes to payment of the principal one time, then spread -out into 5 months payment starting XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, resume payment XXXX XXXX, so I paid XXXX XXXX and XXXX XXXX in the of {$300.00} each month, what happened the payment of {$300.00} for each goes straight to Finance Charge, as explained to me, the last payment they received was {$30.00} last XXXX XXXX, no payment for 5 months they said, I am losing 2 months principal payment, plus another 2 months in the future payment, because if my XXXX and XXXX payment was shared with principal/fin charge my monthly installment of XXXX will become 63 months, but it stop to 65 month because everything went to Finance Charge.
The company name is XXXX which is located in Georgia I never live in Georgia I live in XXXX XXXX XXXX were I reside for years some in Georgia must of used my name I live in New York and we do n't carry XXXX I have a cable name XXXX XXXX hopefully I could get this resolved and taken off my credit report hope to hear from someone soon thank you
Equifax wrongfully accepted an inaccurate claim submitted by a collection agency, XXXX XXXX XXXX, XX/XX/XXXX. The claim contains incorrect information which was reported to both Equifax and to XXXX. They ignore my repeated attempts to correct this matter. 
I contacted Equifax on : XX/XX/XXXX ( XXXX - supervisor ) ; XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX -hung up on me ) then ( XXXX-was abusive ) then XXXX in Nevada . He said my only option is to call XXXX to have them send a retraction on claim. He didnt care when I told him XXXX would not talk with me. 
Filed a verbal dispute with Equifax on XX/XX/XXXX against XXXX. The details I gave the person at Equifax regarding the dispute were not the same as what was listed in the dispute report. Instead of using my dispute claim of " incorrect information " on the claim, the Equifax person submitted dispute for 'verification only. ' Furthermore, this was incorrectly submitted to the wrong party ' XXXX XXXX ' who, no longer has any ownership in this matter. 
This was resulted in not addressing any of the factual information I had provided and gave a response that did not address the issue. 
All this was confirmed by a XXXX XXXX supervisor at Equifax on XX/XX/XXXX when I called in for an update on my dispute. I resubmitted the verbal dispute with XXXX XXXX to include all the factual information and, to be submitted to XXXX. 
XXXX did not address anything in the dispute and only gave the same meaningless reply of : " We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. 
Equifax is not making any effort to ensure the information reported on their reports is accurate. They admit they do n't care about their policy of allowing invalid negative information being used against account holders and, that they publicly post bogus inaccurate & damaging information to which its your burden to prove yourself innocent! 
This is a scam when they now ignore you and, refuse to even address the facts that were provided in the dispute. This is proven by their 'dispute results ' not mentioning anything about their claim : using incorrect XXXX codes and, my signed admission documents stating no charges can be made on procedures that are n't 'pre-approved ' by me and, no procedures were pre-approved. XXXX has these documents which were provided to them when taking ownership of this claim.
Transunion has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Transunion is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my XXXX credit score. Also when I sent Transunion personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well-beingat risk.
Both Experian and XXXX will not update late payments on a transfered mortgage loan account I had with XXXX XXXX XXXX. I sent a letter to the XXXX of XXXX XXXX XXXX asking for late payment forgiveness because late payments were affecting my credit ability. The XXXX of XXXX XXXX XXXX agreed to remove all late payments and I was sent a letter. I sent the letter to Experian, XXXX and XXXX. XXXX has updated my account and removed all late payments. Experian and XXXX has not. I started a dispute with both and Experian made no changes. XXXX has not updated in over a month, so I am not able to see what has happened with them. I want this account updated to reflect no late payments immediately.
I attempted to fix an issue with my bank account with bank of america XXXX and received various false information about what I should do about the money that was stolen from my account. There was also various transactions that were used to create a false sense of fear with - {$880000.00} removed from both my checking and savings account. 

There was also information that was falsely used to allow for the - {$880000.00} to be removed without applying a hold on the funds that were available or use of proper banking procedures. 

There were also various other attempts to steal or borrow money from other accounts that were directly connected to the government that bank of america assumed were fraudulent or incorrectly funded. Numerous answers that were provided to them were not enough to fix the issues. 

I want to make sure that bank of america realizes that using such codes incorrectly can cause great harm financially to a person as well as hamper a person 's ability to be financially stable especially without proper authorization or investigation before playing a {$1.00} XXXX hold on an account for {$1000.00}.
My credit monitoring services alerted me to a potentially fraudulent account. XXXX is reporting an account through Experian which I did not open. I have the inquiry is showing that it came thru XXXX which is also fraudulent as I have not applied nor authorized any credit services or accounts this year or the prior year. Please have this fraudulent activity removed and investigated immediately. Thank you for your service.
i have many HARD INQURIES on my report recently, but the only things i have applied for are PRE APPROVED credit cards ( XXXX XXXX ) and was approved. How do i remove these HARD INQUIRES?? my credit score went DOWN considerably due to this. 
ALSO MY XXXX ACCOUNT IS FROM 2007..THIS SHOULD BE REMOVED AS IT WAS SATISFIED. XXXX TRANSUNION AND XXXX HAVE THE INCORRECT INFO )
I recently pulled a copy of my credit report to find an account listed as charged off and name spelled incorrectly. I attempted to dispute this debt with the credit bureaus to no unveil, resulting in filing a complaint
Since around XXXX 2017 I have been communicating with Suntrust Bank and I made them aware of the situation regarding my account. The Suntrust account and the vehicle financed with the Suntrust loan was ordered to be paid my my ex-husband but he failed to finance the car and pay off the account as ordered by the court. Since my account was late several times because of this I decided to contact XXXX to have the vehicle repossessed by the, sot hat they can get their money back. Me and my husband spoke to XXXX repossession department and provided them information about the whereabouts of the car so that they can reposes the vehicle and sell the vehicle, Since our first contact with Suntrust we explain the situation and explained then that we were trying to settle the account. The vehicle finally was repossessed and once again we contacted the repo department to have them auction sell the vehicle ASAP since we did n't not want to incur any more charges. however we were told that we have to wait. we obtained the information of the recovery department and we contact them and we were told that we had to wait to settle the account. Once the account finally was at the recovery department we were able to settle the account, the representative stated that the account was going to be reported as paid in full, we agreed to that and we sent the payment to settle the account, however the account is still being reported as " Charged off '' After all the communications that we had wit Suntrust they failed to acknowledge that we were trying to settle the account with them since my ex-husband failed to do what that was ordered by the court, and up to this date my account still shows as charged off when I was told that it will be reported ad paid in full.
Sometime in  XX/XX/XXXX , I received a collection call from  XXXX   XXXX , now Navient, regarding a private student loan that I allegedly co-signed for my son. The representative stated that the monthly payment was late and as the co-borrower I was responsible for the loan. I was unaware of any private loan and knew that I did not co-sign a private loan for my son. I explained to the representative that I disputed the debt and requested proof that I co-signed for the loan. The representative said they would send verification of my obligation on the loan but if I did not make a payment, I would face adverse affects to my credit report. In addition, I was told that If I believed the loan was fraudulently taken out in my name then I would need to file criminal charges against the individual who could have committed the crime - this would have been my son. I could not believe the response I received, I would NOT prosecute my own son because of  XXXX   XXXX  Navient 's  unsound practices that do not prevent this type of situation from occurring. In fear of negative credit reporting and because I was unwilling to file criminal charges against my son, I reluctantly began making payments on this private student loan.     Between   XX/XX/XXXX  and  XX/XX/XXXX I  attempted to make the primary borrower  (  my son ) take over the payments on this loan. Despite my efforts, I was the only  one  making regular payments on the loan. During this time frame I spoke to   XXXX   XXXX  /Navient on at least 6 separate occasions requesting proof that I co-signed for this loan. This proof was never received. In every call I consistently disputed the debt and was threatened with irreparable credit damage if I did not make the loan payments.     In  XX/XX/XXXX , I contacted  XXXX   XXXX  Naivent  again requesting evidence that I was had co-signed on the private loan for my son. After two attempts in   XX/XX/XXXX   and multiple attempts since   XX/XX/XXXX , I  finally received the requested documentation. What I received was a copy of an electronically signed loan application and promissory note. Today, my son is now deceased and I still maintain that I did not co-sign this loan.      XXXX   XXXX  Navient 's  actions of not requiring a valid signature of the borrower and co-borrower is completely unfair. My son was aware of my SSN and other personal identifiable information required to apply for this loan. This practice has caused me substantial injury. I was deceived into thinking that I was required to make the past 6 years of loan payments despite the fact that this lender has no viable evidence that I even agreed to this loan. Moreover, I consistently requested documentation of my obligation on this loan and was only provided documentation after 6 years of harassment from this company. After reviewing the provided documentation again, it appears that this deceptive company believes that they will receive their money even though my son is deceased. I think it is also worth noting that I never received one shred of documentation from  XXXX   XXXX /Navient until after I started receiving collection calls and requested the documentation myself.
I have parent loans with Navient. I became XXXX. They kept talking me into forbearance instead of income payment plan based on my XXXX and now my loan is so high I will never be able to pay it back.
I had XXXX ( XXXX ) Collections that were placed with XXXX XXXX XXXX and XXXX in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called XXXX XXXX XXXX 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at XXXX XXXX XXXX that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named Portfolio Recovery and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.
I filed a complaint stating that the Collection Information was inaccurate in its filing. As the term agreement of the accounts : XXXX XXXX XXXX. file ID # XXXX and XXXX XXXX XXXX file ID # XXXX has been satisfied in its entirety. The credit reporting agencies are still reflecting as owing with concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 7 years. The credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Hello, In 2016 I had an account with Wells Fargo, I have a confirmed case of Identity Fraud through the IRS and fraudulent activity was conducted through my account. I disputed and put in a claim through Wells Fargo which I won and some but not all funds were reversed back to my account causing my account to be in the negatives and eventually Wells Fargo closing my account because I did not want to be liable for fraudulent activity on my account.
I have disputed this debt numerous times with no removal from XXXX. This account was from my ex wife child and not mine. I was told through XXXX that Credit Consulting Service said it was mine. The check written to the original debtor even shows someones name, not mine. Account # XXXX. This account was also granted to my ex through the divorce court. I have sent all documents to XXXX and the creditor and have had no luck. 
Company : CCS Date : XX/XX/2013 Please help. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX