WillisBack/dataset-financial-user-claim huggingface dataset:
This company sent me a letter about an alleged debt that they claim they received from their client XXXX XXXX. I do not have an account with XXXX XXXX and when I closed my account with XXXX XXXX I left with no outstanding bill as far as I can recall. I have not had an account with XXXX XXXX since 2013. I have never done business with this company in the past for no reason whatsoever. When I received notification from this company about the alleged debt, I responded by asking for " Validation of Debt ''. This company has yet to provide me with competent information related to this debt however, they still continue to contact on my personal phone and on my office phone. I also suspect that this company is calling me via phone at my employment, using a private number. Each call I have answered they refuse to disclose the nature of their call when asked. They have now resorted to calling me and hanging up on me.
I have tried to dispute this account online and Experian refuses to allow me to do so. They have an account for XXXX XXXX on my credit report with the terms and payment history wrong. 

A. The account is listed on my credit report but the account has been closed for over 2 years. 
B. They have that the account is currently 60 days late. The account is PAID IN FULL. 
C. I want to dispute this account and they will not allow me access to my credit file. What is the problem?
SLS ( also known as Specialized Loan Servicing , LLC ) is illegally billing me for a loan from XX/XX/XXXX which is over 9 years ago and it was forgiven in the loan modification of XX/XX/XXXX. 
1 ) I am attaching the latest Mortgage Statement dated XXXX/XXXX/XXXX that I received from SLS. This company must be stopped from falsely trying to collect on a debt that does not exist. 

2 ) The Deed of Trusts ( attached ) are dated XXXX/XXXX/XXXX for the XXXX mortgage of {$440000.00} with XXXX XXXX XXXX XXXX XXXX and the XXXX mortgage of {$55000.00} with XXXX XXXX XXXX XXXX XXXX. The loan servicing company was XXXX. 

3 ) A loan modification ( attached ) was processed in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which states in the XXXX paragraph of the Loan Modification Agreement shows the XXXX dated XXXX/XXXX/XXXX and XXXX dated XXXX/XXXX/XXXX are included in the modification : a. This Loan Modification Agreement ( " Agreement '' ), effective on the date set forth below, between ( myself ), ( the " Borrower ( s ) '' ) and XXXX XXXX XXXX, XXXX. ( " Lender ) amends and supplements ( 1 ) the Mortgage, Deed of Trust, or Deed to Secure Debt ( the " Security Instrument '' ), dated the 02 day of XXXX, XXXX and in the amount of {$440000.00}, and ( 2 ) the Note bearing the same date as, and secured by, the Security Instrument ( the " Note '' ) which covers the real and personal property described in the Security Instrument and defined therein as in the " Property '', located at ( address ). 

4 ) I am attaching the Case No. XXXX where the FTC vs. XXXX and XXXX. 

5 ) I am attaching the Housing and Urban Development Final Civil Action dated XXXX XXXX, XXXX ; XXXX XXXX XXXX Settled Alleged Violations of the False Claims Act by XXXX XXXX XXXX , XXXX. 

Cc : XXXX XXXX XXXX ( Local Counsel ) XXXXXXXXXXXX California Bar No. XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX, CA XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorney for XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX, XXXXXXXXXXXX Federal Trade Commission XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX ( XXXX ) ; ( XXXX ) XXXX ( XXXX ) XXXX : ( XXXX ) XXXX
According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and XXXX XXXX XXXX ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. Around XX/XX/XXXX of XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and XXXX/ Equifax/ XXXX continue to allow for the information to be removed and replaced back on my credit report.
I am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
XXXX  has been reporting  XXXX  balance accounts paid off by a loan consolidation as collection accounts impactin g my credit score  negatively.
On multiple complaints, I have requested for simple identification of the entities that had beneficial interest and to whom the funds were disbursed to from the equity on my property. The responses and answers clearly indicates that Shellpoint Mortgage Servicing is hiding critical information and committing FRAUD. Their response is as follows.. First response : " It's a Conventional loan. '' Second Response : " Please be advised, when there is a foreclosure on a property, there is no HUD information provided. That document is only provided when there is a sale or short-sale of a property. Regarding the names of the entities that funds were disbursed to, since this was after the property was foreclosed upon, you no longer had interest in the property, and Shellpoint is not required to provide that information to you. '' Third Response : " Shellpoint is not required to provide any information to you once the property was foreclosed and you are no longer responsible for the loan. No further information will be provided. '' Fourth and latest response include " This is a duplicate complaint! '' *** Level II investigation requested from CFPB!
I received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit repor ts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus TransUnion, and   XXXX   did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.
XXXX - XXXX - XXXX XXXX, 2015 - Open - $ XXXXXXXXPlease validate and verify the account by providing the necessary information or removed from my credit bureau : A copy of the signed contract or other documents that provide evidence of the relevant consumer 's liability for the debt in question. 
Copies of all, or the last XXXX ( whichever is fewer ), account statements. 
All account numbers used by the bank ( and, if appropriate, its predecessors ) to identify the debt at issue. 
An itemized account of all amounts claimed to be owed in connection with the debt to be sold, including loan principal, interest, and all fees. 
The name of the issuing bank and, if appropriate, the store or brand name. 
The date, source, and amount of the debtor 's last payment and the dates of default and amount owed. 
Information about all unresolved disputes and fraud claims made by the debtor. Information about collection efforts ( both internal and third-party efforts, such as by law firms ) made through the date of sale. 
The debtor 's name, address, and Social Security number.
Company posted negative false report on my credit report. I never had said account and I have reported it as false identity and notified credit bureau and collection company. Date opened on credit report XX/XX/2018, last updated XX/XX/2018 on my credit report. Amount that is stated that is owed is {$490.00}. 

I have disputed this with credit bureau and with collection company and notified them that i never had this account.
There is an open account from XXXX XXXX that I have no knowledge of. I had an account about a year ago that I canceled, but that was through a different carrier as well. Even then, my monthly bill was under {$50.00} dollars at the time. Not only did I not open this fraudulent account, it would have taken me years to accumulate this size of a bill. The amount is preposterous! Additionally, there is an On-line forum discussing fraudulent accounts and collection attempts on those accounts for this company. I want this off of my account and confidence that this company will never do this again! This company needs investigated for illegal business practices!
There should never be any medical bills on my credit report I disputed this with all XXXX credit reporting angecies back in XXXX I am a XXXX permanent and XXXX vet, I see XXXX medical related charges on my report 1. Money recovery acct # XXXX for XXXX 2. Merchants and medical acct # XXXX for XXXX 3. XXXX XXXX. If any XXXX try to put any medical bills on my report there should be an immediate alert because all medical facilities in Michigan that handle veterans should contact XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX and speak to XXXX XXXX I spoke to him on XXXX and he said none of these facilities have contacted him about these accounts. I will send you my total and permanent award letter dated all the way back from XXXX and the credit report entries. I will also send you some bills in the past that the va has paid on my behalf.
Hello, I am working to fix my credit scored but Navient has marked my credit by stating that I have multiple late payments. There are TEN ( 10 ) student loan accounts open and each account has 9 missed payments. That has caused a total of 90 missed payments on my credit score ( a majority in XXXX and several other months missing information ) which is preventing me from purchasing a home or, more importantly, fix my credit. I am XXXX years old, trying to build my life. Taking the problem one step further : the student loans I have is for the University of XXXX which has closed all of its campuses in the XXXX XXXX. At first, I was attending the XXXX, CA campus ; it closed down. I was moved to XXXX, CA and XXXX XXXX, CA ; also closed down the campuses. I was then moved to XXXX, CA which also closed down the campus. I was forced to take online classes which dramatically increased the cost of all of my classes. I did not sign up for online classes when I first registered for this school, yet I was forced to do them because of all of the campuses being shut down. 

Not only is Navient hurting my credit significantly, but I am also stuck in paying a large amount of money for a school that kept closing its doors and sticking me with more expensive classes. 

Below is how my credit is listing the Student Loans : " There are 90 late or missed payments on your report. 
Payment history is important because it helps lenders gauge how likely you are to pay on time in the future. '' STUDENT LOANS XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXXXXX/navient - XXXX} XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXXnavient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX XXXX Missed Currently on-time XXXX XXXX XXXX/navient - XXXX} XXXX Missed Currently on-time STUDENT LOANS XXXX I hope that there is something that can be done for this unfair treatment. This school is a trap and Navient has only put me in debt for the rest of my life. 

I thank you again for the time you have spent reading this correspondence. 

-XXXX
This may be happening to many people using all XXXX of the websites. Same thing happened last time I tried over a year ago. The company gives you XXXX chance to view your *Free Report*. Instead of providing it in a .pdf file with all details for download, they provide an html version, requiring multiple clicks to view portions. They seem to purposely designing these pages to result in the page often crashing. Attempts to return, no longer give you access, since they already gave you that chance. They are satisfying the law, without really providing the information required, in this manner. This results in the user having to pay, to really see what is required for them to provide freely.
Someone from the company continually calls and leaves messages on my work line since on or about XX/XX/ 2018. Has never contact me personally or through mail. I am not sure what the debt is concerning, but since no information has been sent to me to physically look at the phone calls are a nuisance and harassing.
This is in reference to AMERICAN EXPRESS # XXXX that was recently charged off due to late payments. My grandmother was XXXX, her name is XXXX XXXX - due to her illness, I had not choice but to quit my job and take care of her. I am back on my feet now, I settled all my debt, but unfortunately I did it on bad terms that are now haunting my credit history. Please help me remove the derogatory items from my credit report as was promised to me by the representative from the charge off company that took my payment and promised that my credit will now be fixed and the derogatory item should no longer show up as late. I am a young professional, and it 's very difficult for me to get a job or one day get a house because everyone is looking at credit reports these days.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Experian XXXX  To whom it may concern : In reviewing my credit report i discovered that my file fail to include information that i know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file. 

Last Reported : XXXX XXXX, XXXX Creditor Name : XXXX Account Type : Credit Card Open Date : XXXX/XXXX/XXXX Limit : {$30000.00} Monthly Payment : {$300.00} Responsibility : Individual Balance : {$99.00} Highest Balance : {$99.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ 0 Times XXXX/XXXX/XXXX Late : XXXX Rent Reporters Acct # XXXX Last Reported : XXXX XXXX, XXXX Creditor Name : Rent Reporter Account Type : Rent Open Date : XXXX/XXXX/XXXX Limit : {$3800.00} Monthly Payment : {$3800.00} Responsibility : Individual Balance : {$0.00} Highest Balance : {$0.00} Payment Status : Current Worst Payment Status : Current Amount Past Due : $ 0 Times XXXX/XXXX/XXXX Late : XXXX If you need additional information from me i can be reached at include phone number. Please inform me if there is a fee for this service. 

Sincerely XXXX XXXX
I had a XXXX dollar limit on this credit card. From Best buy and ity is handled by Citi bank. I make payments on this card and no matter how much I pay they still say I owe over 500 dollars. WEhen I make payments my balance should go down but every time II get a bill it is up over 500.00 dollars again. I live on social secuirity and I can not get my balance down below XXXX. so I need to have their practice investicated.
For the second time in the past XXXX months, American Education Services XXXX AES ) has sent my student loan to a collection agency, XXXX XXXX. In XXXX instances, I have received the collections notice and my current AES statement showing a current balance within the same week. The loan AES is currently servicing was originated and previously serviced by XXXX. Under XXXX, I always had a monthly auto-payment to issue payment at the end of every month. When AES took over the loan, I updated my auto-payment and continued issuing monthly payments as I have been for years. Since AES has taken the loan over from XXXX of 2015, my account has been sent to XXXX XXXX for collections twice. This is extremely frustrating because I need to write disputes every time this occurs to ensure I contest the debt to prevent any negative impact to my credit score. Given the fact the collection letter and my account statement ( showing my balance is current ) come the same week, it appears as though AES is preying on its customers. If customers do n't react, they could have very damaging and unwarranted impact to the customer 's credit. I have been making my monthly auto-payments for over four years, and it 's only been issue since AES took over the loan. Something needs to be done about this because this is downright harassment.
I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
I submitted a complaint about an hour or so today. FTC Complaint # XXXX. The reason that I am adding this one to it, is because I tried to get the information from them about weather or not the Money Orders sent to them was applied to my Account. I spoke with three different people trying to obtain the facts & my money. I was told that they sold my account & frustrating me, I informed them that they got my payments! I informed them that I have spent hours on this! I informed them that Fraud is happening here! I informed them that I had a right to know if they received my two payments & did they apply them to my only ( One ) account! They said I do n't have that right, my account was sold & I have to call XXXX ... ...??? I told them that I was NEVER sent any correspondence via email, U.S. Mail that my account was at this level as I kept in touch with them & kept my arrangements I made with them. It is their duty & responsibility to notify the Collectors of their error. Meantime, I call the Money Order place to inquire if the amoney Orders had been cashed & yes they cashed the money order on XX/XX/2017. I have to call back for the last payment, if it was received & cashed. It is going to cost {$18.00} - {$25.00} to get copies of the cashed money orders. I informed them that I was going to turn their company in for Fraud! I am being Harrassed by a Collection Agency & Cash Central refuses to professionally tell me what is going! They had no right to sell my information! I have already been a targeted victim of Identity Theft! This Company is Shady! I want to sue them because if they are doing this to me, how many more are people ripped off! Please put the Pressure so they do not hurt anyone else! Please Investigate their Practices! I HAVE A RIGHT to know who cashed my Money Orders sent to them! They should not, and must not be allowed to hurt consumers like this! It is Fraudulent to cash my payments, keep my money & turn around & sell my file for the collection Company can come after a bill already PAID IN FULL! Illegal, Fraud, Dishonest in their dealings with the consumers! How many more is out there suffering??? STOP THEM PLEASE! I paid my bill in full, who have my money??? Please light under their treacherous behinds. Thank you. Sue Them on my behalf please!
To whom it may concern at Wells Fargo, I am writing this letter to explain the series of unfortunate events that have caused me to fall behind on my mortgage. I am writing this letter to explain a few things in regards to my mortgage loan and why I feel should be reviewed for a Loan Modification. We feel a loan modification would benefit us due to the drastic change of our income. My husbands job closed down and I XXXX XXXX had to take an early retirement due to an infusion where I could not perform my usual duties. Weve also had a few unexpected expenses, such as dental bills totalling {$25000.00} combined. Weve also had problems with our basement flooding ; causing mold on the walls and thus we need a new roof. Also, plumbing was done as well and that was very expensive. On top of all of this happening, we had our other usual housing expenses. 
On XX/XX/XXXX I decided to submit a mortgage assistance package to my lender. On XX/XX/XXXX, I spoke with the re-entry department at Wells Fargo and they advised me they could not move forward for the review due to the sale date at that time set for XX/XX/XXXX. I had no other choice but to head to the court house in my county and see a judge in hopes of getting an adjounrment. On XX/XX/XXXX, the judge granted an extension and moved the sale date for XX/XX/XXXX. I re-sent another mortgage assitance packgae to my lender asgain since I had more time now. On XX/XX/XXXX, I was made aware again that my file was not being able to be reviewed for a loan modification. There are 3 reasons why I believe I should be able to be fully reviewed for a loan modification at this time. The last time I was fully reviewed for a modification was back on XX/XX/XXXX, which means theres already been more than a year of time since the last review. Second, I have had a recent change of income compared to the income I last had in XX/XX/XXXX. I now make less income than before. This is another reason why I should be able to be reviewed again. Also, I was advised on XX/XX/XXXX XXXX by XXXX in the re-entry group that the investor for my loan was XXXX XXXX and that I was not able to be reviewed, because I had reached my mod limit. Then on XX/XX/XXXX, I spoke with XXXX XXXX in the Customer Recovery group and again he advised me the investor for my loan was XXXX XXXX. I sent a request in writing asking for my investors name and information. On XX/XX/XXXX, I received the response for my request and I was advised in writing by Wells Fargo, that my investor was actually XXXX XXXX  NOT XXXX XXXX. Therefore, this is another reason why I should be reviewed again, because I was lied to and that kept me from re-applying for a loan modification and during that time I had a foreclosure sale date set for XX/XX/XXXX.
I have    XXXX   inquiries on my credit report six days apart how is that possible if I only applied for one time.  I did not authorize the other hard pull on my credit report  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  (  XXXX  )  XXXX  Please Resolve
Purchased a XXXX XXXX XXXX from XXXX XXXX website - XXXX - for {$10000.00} and never received the vehicle. My sales manager was XXXX XXXX - XXXX|XXXX - I wire transferred the funds from my bank to a Well Fargo Account as per their instructions. When the transport company went to go pick-up the vehicle they advised the XXXX had damaged never advised so they made a decision to refuse the vehicle. I requested a refund and XXXX XXXX declined and advised " ... I agree to take a vehicle that matches my criteria. '' I worked feverishly with XXXX & another salesperson XXXX XXXX and secured a replacement vehicle. It was set for transport and this time XXXX advised XXXX was removed from my account based on agreeing to sell me a XXXX XXXX XXXX for less than the fair market value and requested an additional {$4500.00} for a total of {$14000.00} plus shipping. 
I am requesting a refund of the {$10000.00} I wire transferred as it seems they will continue to request more money on every vehicle I choose. I think this is a scam.
XXXX  I have sent several letters, the last one more than 90 days ago, to XXXX requesting them to delete an account that is not mine, and they have not.
started disputing in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they will remove it then place it back on the report
I opened a new checking account with the terms that if I had a direct deposit of XXXX dollars within 60 days a XXXX dollar bonus would be deposited into my account, and that bonus has not been received