WillisBack/dataset-financial-user-claim huggingface dataset:
On my iPhone device, using XXXX browser I searched for " XXXX '' in XXXX Search. Several numbers came up for XXXX. They were in the form of a click-to-call. I called what I thought was a XXXX Student Debt Advisor ( SDA ). The man I spoke to was very knowledgeable about loans and the repayment process. He had no accent, spoke clearly, confidently and professionally. I asked to setup monthly payments. He gave me advice about how to handle my student loan debt., helped me set up direct deposit from bank acct., he gained access to my XXXX account. He told me that my loans were past due and that I needed to make a payment as soon as possible. He sent me an email with a service agreement to sign and another email with links requesting me to provide additional information. Please note, all emails and documents he sent were well polished and used legal terminology. When I did n't complete the request for information, he sent text message reminders to me. I tried to call XXXX directly to confirm whether or not this was a legitimate company, each time I called I would ask a XXXX representative if this SDA company was legitimate and the XXXX Rep sounded like they were new hires to XXXX, did n't know about XXXX enough to give me an answer and did n't seem concerned. They would put me on hold then transfer me to another XXXX Rep that was just as uninformed as the last. When I finally got ahold of a knowledgeable XXXX Rep they told me it was possible that this SDA company was fraudulent and had no record of all the times I had tried to contact XXXX directly. I asked the XXXX Rep who I needed to contact to report the fraud, the rep did n't know. XXXX never followed up with me to ensure my identity and sensitive information was safe or to check whether the fraud alert was taken care of. When I voiced my concern about a possible fraud on my account, we would get disconnected and XXXX never called back. When I did n't respond to the SDA " XXXX '' the supposed student debt advisor called my phone to remind me to complete the information so my loan would be paid on time and would n't acquire any late penalties. When I told him I did n't believe his company was legitimate, he had a supposed " manager '' call me and say that they were a partner company to XXXX and they were not sure why the XXXX representatives did n't confirm it. They told me they would call XXXX directly to work out the issues and call me back. Meanwhile, I finally got ahold of someone from XXXX, who was able to confirm that the SDA was not a legitimate company and referenced me to a place I could report it. Finally, 16 days later, I am able to provide a report on this illegal company called SDA. If XXXX Reps had been more knowledgeable when I first called, I would have been able to address this situation immediately. However, because it was so hard to get ahold of a knowledgeable person from XXXX, my information has now been compromised for the past 16 days.
XXXX, XXXX & XXXX, XXXX, XXXX, XXXX AND NOW DITECT IS TRYING TO COLLECT A DEBT NOT MINE.
1. In XXXX 2016 I had a case number on cfpb : XXXX. It seems the case was dropped. I am not sure why. Please advise. 

2. I forgot the password to get access to my account on cfpb. Cfpb does not allow me to get a new XXXX ( but to reset the old XXXX requiring to enter the old password, weird ). Please advise. 

Thank you. 
XXXX
i paid on XXXX XXXX 2016 and have letter showing it paid hsbc card services. now they are trying to sue me agin
My daughter no longer went to the facility for childcare and they still ; continued to charge me even after she was no longer attending.
In XXXX of XXXX Mercedes Benz Financial Services agreed to change my payment due date to the XXXX of the month instead of the XXXX. Since I was hospitalized and due to me recovery I needed to push the date my payment would pull from my account. I never had a late payment with this company before. They sent me a letter confirming the payment date change. In XXXX I made my payment online on XXXX XXXX they did not pull it until XXXX XXXX, which still would 've been 23 days. They then reported a 30 day late payment to the credit bureaus. When I called them regarding this they then told me my payment date was changed back to the XXXX. I was then told that they would make the change and removed the derogatory, they told me to send my request in writing which I did. I recently receive a second letter telling me that my date was changed back to the XXXX of the month. Then a second letter stating that they are not going to remove the derogatory, this is unethical and unprofessional. I have written to them and tried to call to no avail.
To Whom I t May Concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relat ives address. Please see the attached copy of my personal mail and bills for your reference. For the record I have lived in the same residence for over 7 years.     My name is :  XXXX   XXXX   XXXX  Please remove all other name variations IMMEDIATELY. They are not accurate.     MY CURRENT WORK INFORMATION IS :   XXXX    XXXX  /  XXXX   XXXX   XXXX    XXXX   XXXX   My current phone number is : (  XXXX  )  XXXX  Also, my current and only address is :  XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I HAVE RESIDED HERE FOR 7 YEARS (  XXXX  ) YEARS All other addresses are not accurate. Please remove THESES addresses   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   O H   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
To  XXXX , Equifax and  XXXX  I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    (  These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED., This is my second request and first request was sent certified so I know it 's been received it just was n't done.
I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 

DIVERSIFIED CONSULTANT XXXX, This collection is the result of Identity theft. Please Delete Immediately!
I have XXXX credit protection through XXXX because my information was compromised through their breach. ( I assume. They've never directly admitted it, just offered me the service. ) There are now two sets of collection notices on XXXX and XXXX from Amsher and XXXX XXXX XXXX. I am not behind in any of my debts. In both instances I never received notice from any firm that I owed them money prior to them placing this collection notice on my report. I was not aware of any debt owed before this. I have disputed these debts in writing with the collection agency and in the instance of Amsher also with XXXX XXXX who Amsher was collecting for. 

I don't think these companies and their collection agencies should be able to phish for me by placing this notice on my credit report prior to giving me actual notice of a debt. I never even received a bill from XXXX XXXX prior to being notified that this collection notice was placed against me.
I am a stamp collector, and in XX/XX/XXXX I purchased what were described as XXXX very rare stamps from a dealer in XXXX, that were also described to be of the highest quality. Upon receiving the stamps in XX/XX/XXXX, I submitted them to the XXXX XXXX XXXX XXXX XXXX XXXX for an expert opinion to confirm they were genuine and as described by the dealer. In XX/XX/XXXX the XXXX issued their opinions, both of the stamps were actually different, much more common varieties, and both were re-gummed, so worth maybe {$400.00} instead of {$1200.00}. I then emailed the merchant and repeatedly asked for a refund since the stamps were not as described, and he did n't answer any of my emails, leading me to believe he knew very well what he sold were not the rare varieties he described. Because I charged the stamps on my Citibank Master Card, I went to the Citibank web site to try and dispute the charge. When I went to the Citibank dispute e-form, when I selected " merchandise not as describe '', it asked me to specify the date when the merchandise was returned. I called Citibank, and was told they would not accept a dispute for " merchandise not as describe '' until the merchandise in dispute had been returned to the merchant, so I went to the post office and sent the stamps back by registered mail, and then entered the dispute in the Citibank web site. Sometime later, I received a letter from Citibank saying my dispute was declined, because too much time had passed between the charge and filing the dispute ( which was due to the long time it takes for the XXXX to issue a certificate ). Of course I was very upset, I called Citibank and said why did n't they tell me that before they told me to send the stamps back? Now the merchant not only has my {$1200.00}, but he received the stamps back to sell to someone else, and I could have sold them to mitigate my loss. I think it 's unfair for Citibank to insist on merchandise being returned before they consider a dispute. XXXX is much better, they will resolve a dispute and then if the Buyer prevails, he/she has XXXX days to return the merchandise to the Seller. This should be the general policy for all banks, do n't enrich merchants who are crooks by forcing a buyer to return items before the dispute is resolved in the buyer 's favor. 

** FYI : The above is simplified for ease of understanding, the purchase actually involved XXXX stamps and XXXX seperate charges to my credit card, the XXXX other charges were in XX/XX/XXXX, and XXXX were reversed by Citibank as they were within the time window. The XX/XX/XXXX charge was the one not reversed, which is the one I am upset about.
I disputed numerous accounts with proof of Police Report and Fraud Investigator 's Report. I have been disputing the same accounts with Equifax for over a year now in which not only have i faxed the reports but also sent them certified mail twice.I am a victim of Identity Theft. Even on the Police report, it tells you the persons that stolen my identity. Equifax INSISTED they WERE MINE and VERIFIED by THEIR INVESTIGATORS! Yet, XXXX and XXXX has removed every one of those accounts. I have attached the letters, police report and FTC reports, ID and SSN card in which I have sent to Equifax. please Help
In XX/XX/XXXX, my XXXX XXXX was repossessed. I recently pulled my credit report to find a negative item from the lender in the amount of {$7200.00}. I sent them a certified letter which was received by them on XX/XX/XXXX requesting copies of all legal documents pertaining to this vehicle purchase and the subsequent repossession.

Under the laws of the State of Georgia UCC 9.506 and State RISA and MVISA statues a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.

The lender responded with a letter dated XX/XX/XXXX and received by me on XX/XX/XXXX which outlines this event and included some but not ALL of the requested documents. In addition to not sending any of the documents letting me know PRIOR to the repossession that was the manner they were electing to settle the matter, but the subsequent documents dated XX/XX/XXXX and XX/XX/XXXX were sent to an address that I have never resided and furthermore is not listed anywhere on my credit file. The sent no matter of clarification as to where they got this information, nor did they provide for me documents concerning the actual removal of the vehicle.

The actual repossession incident, the tow truck driver committed a " breach of the peace '' by threatening my elderly Aunt with having her vehicle towed as well ( the driveway is small and she was parked ) at approximately XXXX XXXX XXXX XXXX. The lender has provided no information concerning the actual removal of the vehicle.

I spoke with a representative with Ally and made very clear which documents I was requesting on two separate occasions but attached is all that I received.

In addition, the request was received by Ally on XX/XX/XXXX in which I requested all documents within 14 days. Their letter was postmarked XX/XX/XXXX and I had to call and speak with the agent on XX/XX/XXXX again requesting whatever documentation they had.

In addition Ally has posted to my credit reports a balance of {$7200.00}, yet the documents they sent me show a balance of {$6900.00} and they provided no additional documentation explaining the difference in balances.

I have sent written disputes to all three credit reporting agencies on two separate occassions requesting that that VERIFY this account. In each case the agencies responded saying that the account is correct and valid. Upon reviewing my credit reports today XX/XX/XXXX I noticed that the last activity on this account was XX/XX/XXXX for XXXX, XX/XX/XXXX XXXX, and XXXX   didn't list a last activity date ... which leads me to conclude that these companies in fact DID NOT actually verify or even make a reasonable effort to investigate this account.

This vehicle was sold to me in a high pressure situation where I was told a different payment and interest rate than what was on the paperwork. In addition I was also told that I had to sign the paperwork b/c the title was already completed and that I was already in breach of contract, as well as I would be able to get a lower rate and payment in 30 days ... at the time I took them at their word, but I obviously now know better.
XXXX, a representative from First Financial Asset Management, called me from this number : XXXX, to collect a debt that is not mine. Additionally, this company and representative did not do ANY due diligence prior to contacting me ( or they would have known not to contact me ). How can it be legal for them to contact me, ask " what am going to do about a bill he 's looking at '' that I am not responsible for in any way?? How can it be legal for him to contact me and not be fully knowledgeable of the purpose of the call? How can it be legal for XXXX XXXX to pass on my information to a collection agency, when they should know the details and know I am not responsible for this debt? Please advise.
I had a savings account with Capital One ( ending in # XXXX ) .This account was titled in .my trust. On XXXX XXXX, I saw on their site there was a higher yielding rate. I called and asked if I could get the new rate. The gentleman said yes. He transferred the funds to the new account. 
I never received a written monthly statement subsequent to the conversion. I went online, and to my shock, I see that the newly established account was in my name and NOT TITLED IN MY TRUST AS THE OTHER ACCOUNT WAS. I called in several times and they informed me they do n't open up new trust accounts. I explained that their person NEVER informed me of that and on his own changed the title of the account. 
I have called back on three separate occasions and have not received an answer. They claim that the department I am speaking to does not have the authority to deal with this problem, nor do they have the ability to contact directly the department that has the authority, they merely send an email to the other department. The other department allegedly gets back with me. This changing of my account title, done without my consent, I believe, is illegal and done without my consent. I told Capital One to listen to the recording of the conversation of XXXX XXXX since they inform the customer that they record every conversation. 
This has been a bad experience, and the bank has not made a decision regarding their error.
I am a veteran of the us military, after retiring I decided to get a newer model car, XXXX XXXX financed the car to me, my wife was hospitalized for a few months and all of the bills fell behind. I continued to make payments on the car last week the car was repossessed and a week later the bank sent me a default letter saying that I would lose my car if a monthly payment was not made.
I received a notification today that a collection was added to my credit report in the amount of {$920.00} I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports/ also I paid the reletting fee to move from the apartment.
Caliber Home Loans states that they have provided us with a modification. 
I have not been provided a loan modification on my loan or property. Caliber has denied my claim and has continued to deny and drag our case.
When I was purchasing a vehicle in XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit
I have called on behalf of my husband, The California Business Bureau ( Debt Collection Agency ) on XXXX-2018 after I got their number from XXXX  XXXX and I was told to call them in order to get a new XXXX XXXX. The Representative that answered my call was very aggressive and abusive and told me that my husband owes {$15000.00}, which is false. We got into an argument since she didn't let me speak and was aggressive and disrespectful. I hung up the phone. The day after, I got an alert from XXXX that this collection agency had put a hard inquiry on my credit, not my husband 's. I don't know how a collection agency can place and check my credit whenever they want when it's not even my debt.
Payments are applied incorrectly, going to interest not principle. Additionally, the website is incredibly deceptive with the information it provides to borrowers. It is difficult to find out any information.
My mortgage was transferred from XXXX to Caliber Home Loans. The first payment due on my account was XX/XX/2016. I made three payments via online banking ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) prior to the transfer. The second payment was applied as a principal reduction so it did not advance my due date according to the statement I received which was fine since we intend to make XXXX payments a month. The third payment to XXXX sent on XX/XX/XXXX was returned to me by my bank and credited back to my bank account on XX/XX/XXXX because their was no active account for the money to be applied to. I " resent '' the third payment to the new company, Caliber on XX/XX/XXXX and have continued to make payments to them XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX. Problem # 1 ... According to my statement, the payment sent XX/XX/XXXX was applied to my account but reversed and entered into unapplied funds, then there was an escrow disbursement for it. I called Caliber to question it and was told they received an invoice from XXXX that they were owed a payment, so Caliber sent them a check. So, my account received no credit for that payment. Problem # 2 ... The balance on my mortgage with XXXX at the time of the transfer was a certain amount, but when I received my first statement with the new company the balance increased by {$460.00}. The due date on the account also varied by XXXX month. With XXXX I was due XX/XX/XXXX, but Caliber was showing me due XX/XX/XXXX. The due date is not a concern to me since we are paid ahead, but I believe this is part of the problem. Problem # 3 ... I 've been in contact with Caliber to discuss my account and the issues with the unapplied payment and balance difference. I 've sent them a bank statement that included all my {$1100.00} payments made for my mortgage account that was requested. I 've requested from Caliber a life of loan history three times. They said it would include my pay history with Caliber & XXXX. I 've requested my account be credited for the unapplied payment, the balance difference from the transfer and a credit for interest I 've overpaid since they reversed my payment. I have n't received the complete payment history. I have n't been getting call backs nor have I seen a credit on my account. I do not know what I can do now to get this resolved and would appreciate any assistance you can provide.
I have disputed the student loan XXXX XXXX XXXX account with Transunion for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Please CFPB remove it
Calls up to XXXX times in a week, saying " If you do n't respond to our calls for our debt collection, we ca n't be responsible for you going to jail. '' What debt? I 've asked them who this XXXX or XXXX is, they get snotty with me, tell me to confess I 'm what 's his name and tell them my address, insert unknown name here. And then they 've said, " We 're just going to blow up your phone, so you might as well start by sending us XXXX XXXX dollars as your first payment. '' Payment for what? I do n't owe these clowns or anyone one else anything. Tell them to stop threatening me and stop making ANY contact!
XXXX denied my application for their store card and gave reason asEXCESSIVE AMOUNT OWED ON ACCOUNTS. 
This is untrue, as shown in Experian 's report, as all my accounts are in good standing. 
As for My Personal Statement, the options to pick related reasons had no OTHER on them. I was forced to check a box that did not describe my dispute. To continue the dispute, I checked the DELINQUENT box. My reason for the dispute is stated above. My statement should be deleted from the report as I checked the box incorrectly.