WillisBack/dataset-financial-user-claim huggingface dataset:
For several months I have been receiving daily automated calls from Transworld Systems trying to collect a debt. When I answer I just get a recorded message to call XXXX and reference Case ID XXXX or XXXX. 

Returning the calls, I have learned that neither of the Case ID 's are associated with my name. I have made repeated requests to have my number removed, but continue to receive calls. On a call I placed XXXX at XXXX XXXX ( CST ) I was assured my number would be removed within 24 hours. It wasn't. On XXXX at XXXX XXXX  ( CST ) I spoke with XXXX and was told again it would be removed within 24 hours. 

Today, XXXX after receiving yet another call at XXXX XXXX I decided to file a complaint. They are calling my office line and interrupting my business. The last 2 calls I made to them I told them I would file a complaint if I continued to receive their calls. 

I have saved some of their recorded voicemails.
XXXX/Macys is reporting that I had a 60 day late payment in XXXX of 2008. I have disputed this several times and have requested validation and proof that the payment was not made on time and I have not received anything back from them, but XXXX and XXXX are claiming that they verified the information which I know is false because I have never made a late payment with them. XXXX/Macys updated the information to XXXX stating the account was positive.
They have been calling my job saying that need to serve me documents and they tried discussing this matter with HR or an office manager and were very persistent. I told them to reach me at home and provided an updated address.
I received a letter from Wells Fargo stating my Escrow account would need to increase so I could either pay {$120.00} now or my payments would increase to offset the escrow increase. The letter showed the projected escrow for XX/XX/XXXX to XX/XX/XXXX as a decrease in the money needed not an increase. It further showed my actual XX/XX/XXXX to XX/XX/XXXX as staying the same. I paid the {$120.00} so my monthly payments would not increase. I also paid an additional morgage monthly payment to keep from being in the rears. When I received my XX/XX/XXXXnotice the monthly rate showed an increase. I called Wells Fargo for an explanation and they agreed the letter was incorrect. They stated they would research and get back to me. They did not. I called again and asked for a Supervisor, she agreed the letter was wrong and she would research and call me back. She did not. I called again and was transferred to XXXX on XXXX, she stated she would research and call me back. She did not. I called on XX/XX/XXXX and was told XXXX at ext XXXX would be handling my complaint. I called and left her a message. She did not call me. I called today XX/XX/XXXX and spoke to another person who said XXXX never handled my case it was XXXX XXXX, ext XXXX he did not answer so I left him a message. 
Wells Fargo has got money up front to cover any extra Escrow but they still went up on my payments. They have a reputation for asking you to pay more and even when you do they still go up. See what happened to them awhile back when they were fined. 
I have attempted go give them time, 2 months, and opportunity, I called at least 5 times, to right this wrong, they will not respond, always pushing me off to someone else.
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may cons  titute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also h ave 2  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.
I have sent 3 requests to Transunion disputing dismissed bankruptcies reporting on my credit report. I have sent an affidavit requesting that answer my affidavit point by point, line by line to verify they accuracy of the information they are reporting and claiming to be verified. I have only received deficient responses with no proof to their claim. 

I refer to the attached Transunion Credit report file CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary. Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
We received a modification in XX/XX/XXXX 2014. I was laid off of my Job XX/XX/XXXX of the same year. We applied for another modification Through our servicer USAA. We were denied and then appealed it because of missing information ( copy inclosed ). We were told that per VA guidelines we are only allowed XXXX modification every 3 years and only XXXX during the life of the loan. Please assist us with this. Thank you
Experian refuses to delete incorrect address ( s ) provided even though their own records are incomplete as to the incorrect address ( s ). I have told Experian I have lived at the same address for 30 years. On my credit report Experian lists my correct address XXXX XXXX XXXX and gives it an id # XXXX, it lists the type of dwelling : Residence. It gives a geography- ical XXXX. Then it goes on to list XXXX other address ( s ) that are n't mine given as Id # XXXX and id # XXXX.They do not list the type of dwelling or give a geographical code to either incorrectly reported address ( s ).
XXXX separate charges of around $ XXXX were charged to my Chase XXXX XXXX card around XXXX EST from a foreign country with the description as XXXX XXXX , XXXX XXXX XXXX XXXX . I received an email from Chase 's Fraud Group and confirmed that the charges were not mine, and then called Chase 's Fraud group directly to make sure the card was cancelled. Chase was not able to tell me exactly how they got my CC # but I would like to learn as much as possible so I can change my behavior ( if it was my fault and prevent future thefts from happening ).
I borrowed approximately {$10000.00} on XX/XX/XXXX for a Term of 67 months from SANTANDER CONSUMER USA through a car dealership in XXXX, Vermont. I was given fraudulant information from the dealer, they gave the wrong VIN # and Santander approved the car loan based on that information. 
On XX/XX/XXXX Hurricane Irene hit, I lost everything. I was listed with FEMA as a catastrophe victim. When I went to trade my car in for a less expensive vehicle, as then I was homeless and broke, I learned of this fraud. The car dealer ran the VIN # and showed me how the car was worth XXXX dollars. 
I wrote Santander, called them and I could not get anyone to go off script and to help me to do the right thing. All I wanted was advicew from the legal department. 
I was homeless and broke and Santander would not allow me to deal with their legal department. I called and emailed them and got nothing. 
After months of trying to resolve the issue I left the keys in the car, and I left the car on the street in Washington, DC. I called Santander to tell them I was doing this, and still, I got no response other than, you need to pay your bill. 
Now it is XX/XX/XXXX and I would like to apply for a loan to buy land and a small shelter. Still I have Santander on my credit report looking like I just decided to stop paying for my car. 
I feel this is a false representaion of my credit record and with my wanting to do the right thing with Santander. I wanted to proceed with a case of fraud against the dealer. I needed Santander to help me with this, but all I could get was scripted Customer Service Representatives. It just breaks me that all these years later Santander is still on my credit records, misrepresented as the victim of a default. 
They are in the business of lending money it is their responsibilty to help a customer when fraud like this occurs. yet they were completely inaccessable to me. 
I was broke and homeless from a hurricane and they just wanted their next payment. 
What made matters worse forme was that my only FEMA emergency funding was {$1200.00}. That is what I walked away from after Hurricane Irene. I could not organize myself to start a suit of Santander or the dealership at that time.
1 ) XXXX XXXX ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 )  Santander Consumer USA ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
I have never been 90 days past due on my mortgage. Wells Fargo stop taking payments from me in XXXX. I made a payment XXXX they did payment reversal XXXX/XXXX/16. I have paid the same amount on mortgage for several months. They 're telling me my payment was more than that. I have proof where they 've applied my payment every month up until XXXX. I called them today and was told they were not able to reach me all my contact numbers were disconnected. I only have XXXX contact number and that is my cell phone. Someone there deliberately removed my number and added old home phone numbers I have never put on my account as a contact when they did a skip trace. They 're doing everything they can to make it look like they 've tried to help me and I was unable to be reached. I have n't received an accelerated letter indicating the next step and have n't received a certified letter notice. I was told today I had to pay XXXX payments by XXXX/XXXX/16 or they would foreclose on your home. Wells Fargo is illegally trying to take my home from me. I received a blank envelope on my door Monday saying confidential with nothing inside the letter. The monthly statements say my payment is XXXX thing however they 've taken a different amount and applied it EVERY month. I NEED someone to take a closer look at them along with my documentation to see this is not right and I am not being treated right. I understand I am not current on my mortgage but I know my rights and know it has to be over 90 days for foreclosure to start. They 've tried to cut off all ways for me not to make a payment every month. I have managed to get a payment sent through my bank account. I desperately need someone to intervene. Please help me I only have 7 days.
I had a car reposesed by Westlake Financial Services. I sent them certified mail disputing their credit reporting XX/XX/XXXX. Then XX/XX/XXXX ... I notified all 3 credit bureaus in certified mail I disputed Westlake claim. As of XX/XX/XXXX they had not marked my credit file as Dispute by the Consumer and I asked for a completed deletion on that inaccuracy alone. On XX/XX/XXXX, I sent Westlake and XXXX XXXX a letter request documentation of the repossession and the so called Redeemed Repossession .... neither company responded. As I have the original contract and wanted to calculated the correct amount owed or needed to be refunded. On XX/XX/XXXX ... I ask all 3 credit bureaus to delete on the inaccurate reporting and various DATE OF STATUS ... .They are reporting 3 different dates of status ... ... which in turn affects the time this  derogatory items comes off my credit file. They never marked this account DISPUTED ... I am challenging the so called Redeemed Repossession ... and the fluctuating balances.By them reporting this INACCURATELY ... I am faced with a poor credit score, economic loss and misery that come along with bad credit ... denial of credit, lost opportunity to receive credit, degraded social standing and emotional distress.They Failed to comply with the requirements of the FCRA ... and they fail to comply with the requirements in 15 USC 1i and fail to comply with the requirements in 15 USC 1g ... so I am asking for a completed REMOVAL FROM ALL 3 CREDIT BUREAUS.
EXPERIAN WILL not update / Delete the address below from my credit file! 

This is a Non-compliance request i have never lived at this address, it belongs to another family member XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX
Dealing with XXXX XXXX has been a nightmare. The statement for our construction loan provided by the bank was erroneous, and I contacted the bank to correct the problems. After being unable to resolve the issue with the Construction/Permanent Lending team member and the XXXX XXXX XXXX XXXX, I contacted the  department manager XXXX XXXX He has acknowledged the errors in the statement but still refuses to correct them and provide an accurate statement.
This company XXXX XXXX XXXX a collection agency date XX/XX/2018 is charging me XXXX dollars where, I downloaded the cell phone equipment to the XXXX company. Where is affeting me in my Credit bureau and I tried to talk to them but they want to be paid that amount of money, where I do not owe that money ...
I was contacted by XXXX on XX/XX/2018 saying that someone had tried to open a credit card in my name in a different state. Afterwards I checked my credit report on TransUnion and saw that someone tried to open a XXXX account using my information. I called TransUnion who said they can't do anything until I contacted XXXX. I contacted XXXX who said that no account was opened and must have been stopped. However I needed to contact the CFPB in order for TransUnion to take the XXXX inquiry off my credit report. So I am submitting a claim hoping to get the inquiry taken off my credit report.
XX/XX/XXXX obtain personal loan ( {$2200.00}? ) from XXXX XXXX in  XXXX, KY. They claim I have 7.5 payments left when I went into office in XX/XX/XXXX. This loan was for 24 months. Interest is high. I pay {$160.00} a month and originally went in office to find how much of each {$160.00} is going towards the principal. They claim they would have to calculate it as their computer only shows payments made. I calculate {$160.00} for 16 months is {$2600.00} paid in, but told pay off I would need another {$1200.00} as of XX/XX/XXXX. If I had paid it off that day would of totaled {$3800.00}. 24 months at {$160.00} would be {$3900.00}, so something funny there. I would save {$71.00} interest for paying off early!. 
With this loan life insurance and an auto club was added into as well. ( have viewed comments where this is a common thing they do ) I cancelled both, and was told {$39.00} put back to acct from life insurance and XXXX XXXX. sent me a check under {$200.00} refund. But that was " cash I used '' I was told so I have a suspicion this was additional money added to loan, Then, instead of remainder of policy being cancelled out, they just added refund as additional on top. Suspicions because I am unable to get anything from them. I sent an email to their main office, ( XXXX XXXX XXXX, XXXX XXXX | XXXX XXXX, LA XXXX ) but got an email back stating : Please expect correspondence from XXXX XXXX via certified mail to the address of record. Please let me know if I can assist you further. This was on XX/XX/XXXX. 

A note, never been late, always on time, as they take out of bank acct.
A former contractor informed us that a check we sent them was never received. We placed a stop payment on the check and sent the contractor a new check. The previous check that was claimed as never being received was taken to XXXX XXXX XXXX  and this business cashed the check without checking with us ( the company ) or with the bank to find out that this check was cancelled and a stop payment was placed on this check. 

XXXX XXXX XXXX contacted us and informed us that the check was returned to them and they were unable to deposit it due to the Stop Payment. We informed them that they should have contacted us to confirm the check or they should have contacted the bank. They asked if we are going to pay the check amount of {$420.00} plus {$25.00} return fee for a total of {$450.00}. We informed them that we wont since it is not something we owe them. They sent us to collections because of this. 

On XX/XX/ 2019 a letter was sent from HP Sears who is a collections company. I received the letter on XX/XX/ 2019 and contacted them on the same day. There was a phone number on the letter with an extension. When I asked to be transferred to that extension, I was told that I can't be transferred and I need to just let her handle it. I gave her my account number and told her of the situation. She told me that I need a police report. I told her that there was no crime that occurred to me. She told me that's tough and she will mark my account down as " refusal to pay ''. This will in return hurt my credit.

After the call, I went down to my local police station to get a police report and I was told that I will not be able to get one as I don't have any information and no crime was committed to me. The officer said that the check cashing place would need to obtain a police report and not me.
Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX {$25.00} XXXX $ XXXX $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XXXX. The wage earner case number I was discharged from in XXXX is XXXX. Originally filed XXXX XXXX. I paid the courts {$18000.00} in XXXX from a settlement I received from a medical malpractice law sue I filed in XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX Family began to prepare my death.
Green Sky was the chosen financing for XXXX XXXX XXXX XXXX XXXX XXXX. We spent {$6000.00} on financing with them. When I set up the account on line the website would only allow me to pay {$120.00} in finance charges due. The web site would not allow me to increase the amount, there was no link to allow that. I called XXXX several times to change the amount of my monthly payment and was told by the recording that there were 33 calls ahead of mine. However, within less than 4 minutes there was a representative on the line. My " interest free '' promotion period was over on XX/XX/2018 and received to e-mail notification that it was coming due. The statement I received was going to charge me {$1300.00} in finance charges because I did not pay it off by XX/XX/2018. When I called to pay the debt off with the finance charges totaled {$6200.00}. I was told that because I called 4 days late that they would make my day by allowing me to pay off the debt without paying the interest rate of 23.99 % .Every time I attempted to make a payment I had to call in ( at customer # 33 in the line ) in order to reset my password so that I could make a payment. 
I am grateful that I have the ability to pay this off. There were numerous complaints that really concern me that they are taking the consumer for a ride and putting them at risk because of their unfair payment practices and stalling techniques. 
DO NO CONSUMER HARM. They are creating hardship for many consumer by these unfair practices. 
Stop charging past due fees for your unfair practices.