WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015 Wells Fargo Bank foreclosed on my home and sold it for more than XXXX what was owed on my loan. Wells Fargo outsourced my foreclosure to XXXX XXXX, who filed bankruptcy, closed their doors and went out of business, long before they foreclosed on my home, taking with them more than {$300000.00} in surplus funds from the sale of my home. For more than XXXX months I begged Wells Fargo for the information on how to claim those funds, but they repeatedly failed to give it to me, because they knew that XXXX had gone out of business and did everything they could to conceal that information from me, going as far as to tell me on XXXX XXXX, that I was not owed any money, regardless of any surplus funds. I am terminally ill with a short time to live. I am unable to work and the surplus funds is all the money I have left in the world. Because Wells Fargo and XXXX refused to give that money to me timely, I was not able to afford moving and storage costs and was locked out of my home by the sheriff on XXXX XXXX, 2015 and lost the entire contents of my home also. I am now homeless and living in my car with a XXXX in the summer heat, while Wells Fargo continues to withhold my money from me. Wells Fargo wo n't even take my calls anymore. Once I identify myself to them, they play a recording into the phone telling me they can not speak to me and refer me to their attorney in Iowa. I do n't know how much longer I can survive living in my car at this point and I need help. I am afraid that swells Fargo is attempting to wait this out until I die. My family does n't deserve this and neither do I.
Security National was included in my bankruptcy in XX/XX/XXXX yet it is showing up on my credit report for charge off in XX/XX/XXXX and XX/XX/XXXX. I am trying to purchase a home and need to get this fixed.
A hard inquiry was made without my consent so I contacted the bank and the credit bureauo to find out why.the bank refused to advise me dispite verifying my identity. The credit bureau advised me to get a letter of deletion from the bank to take it off but the bank refused to provide that as well. XXXX redirected me to the credit bureaus and the credit bureaus did the same- redirected me to the bank
We got an estimate for drapes from JCPenney in XXXX XXXX XXXX area. We were told by the sales rep that if we opened and put the purchase on a JCPenney credit card that the purchase would be Same As Cash for 1 year. However when billed the account is accruing interest. I called JC Penney and they told me that the sales rep has to call them and code the XXXX option. I emailed the rep and she called back and said she would contact JCPenney but Synchrony bank is still charging a finance charge.
I was contacted by XXXX I was told I have debt from 2014 for XXXX when I contacted XXXX they advised it was from missions trails they also said the debt was only in the XXXX when I contacted the debt collection and ask why they are trying to collect more, the rep insinuated it 's due to the debt was sold to a collector as if there is a charge for it. I knew they buy the dept for sometimes pennies on the dollar so I advised I contact them back on that debt. They have other debts from over XXXX yrs ago they keep trying to collect and I keep telling them I 'm not aware of and I 'm not able to verify with the original creditor so I do n't believe they are mine and will not be paying them. Then they sent me two letters showing the incorrect amounts from the one hospital that actually had a true debt I owed.
I am in dispute of previously deleted inaccurate information re-inserted on my credit report, received on XXXX/XXXX/2015 from Equifax , dated XXXX/XXXX/2015 : Confirmation # XXXX : XXXX XXXX XXXX : Collection Reported XX/XX/2015. ( XXXX )
XXXX accounts have been discharged under a chapter XXXX bankrutpcy. The following accounts need to be removed from my credit report 1. XXXX XXXX 2. XXXX XXXX 3. XXXX
We are inquiring about treatment received from XXXX XXXX XXXX on or about XXXX XXXX, 2011. XXXX sent an unpaid bill to a collection agency, Health Services Asset Management for collection, despite us having verification issues with the debt. 

Health Services Asset Management is telling us they no longer have the itemized statement from the creditor, and can not prove the details of the debt. They can only prove this debt is owed because a dollar amount was turned over by the original creditor. 

We need proof of this debt. We had XXXX insurance companies, so there should not be as large of a balance, especially since the doctor providing service was an in network doctor on both plans, and our deductible had been met. We can not validate this bill based on the information Health Services Asset Management is giving us. 

They have placed this item on our credit reports, and we stand to lose over {$7500.00} in earnest money on a house because of it.
Due to financial strain, I was forced to sell my home in XXXX under a short sale term. I paid the mortgage on the home till the end of escrow. In XXXX, things got a little better financially, and my family and I started to look for a home to buy. I found out then that there were many derogatory comments placed on my credit report due to the short sale. Comments like, " Account past due, under collection, late 120+days ''. These comments had a drastic impact on my ability to purchase a home. It took me 6+ month to clean up all of these negative inaccurate reports, and mainly with your help. I wrote many letters to the credit bureaus disputing the inaccurate information on my credit report just to go in circles. I learned about your services, and gave it a try. You guys assisted me with the up most professional talent. The derogatory comments were cleaned up from my credit report. I got confirmation from all Credit Bureaus as well as an apology letter from one of the creditors that had submitted such inaccurate information. Quickly after this, I was able to qualify for a home loan and my family and I were happy there after. You think, until few days ago. We get a lot of mail advertising better loan options. Last week, I contacted two mortgage companies to inquire on the different loan options. They ran my credit report, which I though I was in the A++ standards. To my surprise, TransUnion once again has posted same inaccurate information. I found out that my credit score with XXXX and XXXX is above XXXX, but with Transition is at XXXX. How can this be? I thought all of the negative comments were deleted back in XXXX. Last night, I went online to the TransUnion website and pulled up my report. Sure enough, this is what they have posted for the following account : XXXX - account # XXXX. Last payment date = XXXX ; This account has been closed since XXXX XXXX. Status = 120 days late ; I was never late paying any of the payments, and the account closed once escrow closed. 

Because of this, I 've been told by the XXXX mortgage companies that they can not move forward with any loan refinance. I 've back in the same boat as in XXXX. I have a copy of the confirmation from TransUnion dated XXXX/XXXX/XXXX showing the updated information. Now, I have wasted XXXX hard inquiries, spend {$29.00} to pull up my report from TransUnion, when all of this should not be an issue. I need your assistance to get this matter resolve. TransUnion is a bully company and when you deal with them they muscle you around and put you through circles. Americans are being taken advantage by these Credit Bureaus.
I had my wallet stolen on the evening of XX/XX/2019, which contained my social security card and state issued ID. I attempted to call capital one to report the fraud and freeze my account, but their fraud department was closed. This is the only card ( of the ones I have ) whose fraud department is not 24 hours. When I called the morning of XX/XX/2019, I was transferred to a foreign call center. The representative was adherant to a script about issuing a new card and would not listen to my concerns about my account information being compromised and having steps taken to prevent fraudelent activity and changes to my account. I was issued a new card and because I could not make any progress with the representative, ended the call to make other calls for the day. On XX/XX/2019, I recieved an email that another new card had been requested on my behalf ( not the one I called for ). When I called again, I spoke with the US fraud department and was told that a fraud alert would be placed on my account and told me my information would not be supplied to anyone calling, only confirmed or denied according to policy. My account was locked to my phone number - seemingly because the thief tried to change the phone number, and I was transferred to the IT department. The IT person could not unlock my account, so transferred me to the foreign fraud department. The representative then read out my phone number, and asked me to confirm. This is concerning becuase my identity is already severly compromised at this point, but now the thief potentially has my phone number too, which will allow them even easier access to my accounts. Repeated calls to Capital One local and foreign agents have been unsuccessful in resolving this issue or securing my account and the representatives seem wholly unconcerned about this issue. I've been told repeatedly that while it is not their policy, they can not keep their representatives from accessing and giving out my personal information.
My brother died XX/XX/XXXX. We were told to keep the Bank of America account open until his XXXX benefits were resolved. We started trying to close the account in XX/XX/XXXX. The last forms were signed XX/XX/XXXX, but still no money. We escalated to a formal complaint on XX/XX/XXXX. Still no money. They have an original death certificate & multiple copies provided via different methods over the past few months. XXXX XXXX XXXX at the XXXX XXXX, XXXX, VA, branch where forms were signed wo n't answer the phone & wo n't return calls. The " Enterprise Estate Unit '' contact of XXXX XXXX has n't communicated in days. We have no idea where the account stands, and no one can tell us why it ca n't be closed. We 've been waiting months & need this money!
Moneygram is applying arbitrary rules to block legitimate transactions, collecting unnecessary personal data, and upon receipt of this information from me they are choosing not to offer the service they falsely advertised, under false pretense, with no recourse whatsoever to the consumer whose very personal information they now possess. I verified this by attempting to send a {$15000.00} XXXX dollar transaction to my friend in XXXX, which is around {$120.00} XXXX dollars. I was required to answer questions about the nature of our relationship, when I last saw her, where we met, how often I see her, and then was asked for the birthdates of several family members and a close friend and business associate. I provided this information truthfully, and patiently, during a XXXX minute call where all my information was given to an offshore call center agent. The end result was to be told that they would not send my transaction due to a decision by Moneygram Security, which is an algorithm, or amorphous intelligence appartus of a private or public-private nature, or some kind of unaccountable agency or group within the company, or perhaps merely a machine learning model. Bottom line, there was no rhyme or reason to the decision, and the company did not feel compelled to justify their actions in any manner. I recognize that most customers of these money transfer services are immigrants, and public policy currently opposes immigrants, but I am a native-born United States of America citizen who was trying to use this service to send slightly more than a XXXX dollars to a friend. If a money transfer business will not provide this service to Americans, it should not be allowed to do business in this country.
I paid this collection immediately when I realized that I owed it. I was told at the time that it would be DELETED from my credit reports if I paid in full, which I did. 
This was in 2013. 
I have recently found out that it was still being reported to my credit reports that I have a paid charged off collection. 
I disputed this with the credit bureaus. XXXX and XXXX have since deleted the account, but it remains on my XXXX account, and they are refusing to allow XXXX to remove it. 
I did not know that I needed to keep my letter from Robinson Regean and Young bc I thought it had been deleted years ago. 
I have call Robinson Regean and Young also and they have basically told me thats to bad we dont have to delete it now years later. 

I want them to take this off my XXXX Credit Report bc thats what they told me they would do, in writing and over the phone.
I received a call from XXXX ( XXXX ) on behalf of GS Holdings. XXXX told me that my mother had outstanding debt from a hospital visit from XX/XX/2010 that was sold to GS Holdings. XXXX said GS Holdings would take my mother to court is she did n't pay the debt. I requested proof. I was sent an email from XXXX which contained the last ( XXXX ) of her social, the name of the hospital she received care from in XX/XX/2010 and the " original account '' number from the hospital. After some pressure applied from the XXXX agent ( said the court filing could be filed as early as the next day, in which case she would be taken to court ), I payed {$760.00}, after negotiating the price down from {$1300.00}. I received a receipt after the payment. Everything appeared in order. Several days later I called the hospital billing department. I spoke to the hospital representative and asked if there was archived account from the account number given to me by XXXX. Nothing. I then gave my mothers full name. Nothing. The hospital had no record of an outstanding debt. I called GS Holdings at XXXX. The person on the other end seemed surprised I called. There first question they asked after I called is who told you to call here. I told them that I was concerned about the charge and that I would like some sort of documentation that proved my mother was in fact in debt and they owned it. They provided nothing and only redirected me to there director of compliance who was not available. Ok. I left my name and number. The director of compliance, XXXX, called me back and had a very vague explanation for why my mother was charged. He stated that I had called the wrong people at the hospital and that I should call again for the info. At this point I told him that I was going to start a fraud dispute with my bank to dispute the charge. He immediately responded that refund the money. I called my bank and let them know. They told me to wait ( 15 ) days, as merchants have ( 15 ) days to refund the money after a dispute before they get involved. I 'm giving them ( 15 ) days. However, I feel that they should be investigated for suspicious activity.
Diversified Consultants h ave placed on all   XXXX   of my credit bureaus a collection that is not mine. I have called and asked for any information they  may have such as a contract etc showing it is mine and they have refused only sending me a letter to send them a copy of my SS card and Drivers Lic. so they may ve rify it is mine. This is violating my credit report and causing me grief. I have also disputed this 4 times and they will not remove it.
In 2009 I had gone through an ugly divorce and was left unemployed, with no assets and no transportation. I had to survive off my credit card for a couple of months but always struggled to repay my debt. Capital One began calling me incessantly. I explained my situation to them, but they were unsympathetic. They threatened immediate legal action if my full balance was not paid in full within a matter of hours after having spoken to them. Believing that legal action could jeopardize my immigration status in the United States, I borrowed money from as many people I knew in order to pay off the credit card debt. I still owe loved ones for the money I had to borrow from them. This has hurt my credit and my relationships. I was bullied into an immediate payment. I hope the consumer protection agency can help correct this injustice. Thanks for considering. All my best, XXXX XXXX
I have initiated two good will letters to Experian to provide me with documentation bearing my signature for a chapter XXXX bankruptcy on my credit report. They have failed to do so under the FCRA guidelines.
Company did not give me the opportunity to dispute the debt they hold in my name. They placed the debt on my credit report 14 days after I received thier letter. I wrote them and told them I will be dealing only with the original creditor and that they need not contact me anymore unless they are taking legal action. I sent the letter certified and will provide the information if needed. I also said I dispute the amount and that was why I will only deal with the original creditor, which is my right, by law as I do not have a contract with Northeast, I also do not have one with the original creditor.
this matter with the collection company ( union adjustment co. XXXX XXXX XXXX, XXXX ca XXXX ), was dismissed in superior court of calf. on XX/XX/2014, case # XXXX. the company refuses to accept the court order and continues it's actions. copy of court order to be faxed to XXXX
Since originating my loan with Drivetime, I have had nothing but issues. If I was ever one day late on my EVERY two week payment plan, Drivetime started calling me and harassing me nonstop. They called me multiple times and harassed my co workers in an   XXXX   at the  XXXX . I told them to stop calling my place of employment but they did not stop. They also repeatedly harassed my references after I told them to stop and called me all day and late evening at home. Multiple calls in a day almost hourly. They would not work with me on a payment plan to catch up and once the vehicle was repossessed they report wrong amounts and different repo dates to the credit bureaus. They have violated many of my rights as outline in the FRCA like The Fair Credit Reporting  Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies - for one. I had told their representative to only contact me in writing, they refuse to do this. They  prey on people with subprime credit and make matters worse doing it illegally.
I contacted FedLoan Servicing via email with no response one week prior then called to follow-up with a phone call to discuss unpaid interest on my account. Spoke with Fed Loan Customer Service, XXXX XXXX regarding my concerns. Per FSA IDR Plans Q & A Under the REPAYE Plan, if your calculated monthly payment does n't cover all of the interest that accrues, the government will pay all of the remaining interest that is due on your subsidized loans ( including the subsidized portion of a consolidation loan ) for up to three consecutive years from the date you begin repaying your loans under the REPAYE Plan, and half of the remaining interest on your subsidized loans following this three-year period ; and half of the remaining interest that is due on your unsubsidized loans ( including the subsidized portion of a consolidation loan ), during all periods. 
When looking at my paper statements, the online information about each loan and the loan summary information there is a balance for unpaid interest. I was told first that the unpaid interest taken care of on a monthly basis but I have not seen a reduction in the interest on any of my loans since transferring to the REPAYE payment plan. Was told that " it will be forgiven through PSLF and not to worry '' which is irresponsible. I requested an accounting of the total unpaid interest amount on my account and what portion is from unsubsidized vs subsidized and for what months. Was told ther is no way to get an accounting of unpaid interest, additionally was informed there may be a lag time in processing the interest subsidy. As of today, this has been a lag of over 6 months with no documentation or clear timeline for resolution.
I have contacted XXXX on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX XX/XX/XXXX7 2 ) XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by XXXX and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No.  XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues
I have disputed XXXX XXXX XXXX with Equifax credit agency. After investigation about a year ago, Equifax along with XXXX  and XXXX  found that the account XXXX XXXX XXXX was trying to collect on was not my account and removed collection company from my credit reports. However, very recently XXXX XXXX XXXX place said account in the amount of {$93.00} back onto my Equifax Credit Report damaging my credit and my credit score.