WillisBack/dataset-financial-user-claim huggingface dataset:
The company is named Concord. That is all I know and they are trying to locate a XXXX XXXX at my telephone number of 12 years. I have explained on numerous occasions that this number does not belong to XXXX XXXX and to please stop calling. 
The number they call from is XXXX. 
Concord has called the following dates : XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - inbound XX/XX/XXXX XXXX - returned call advsd not XXXX number again. 
XX/XX/XXXX XXXX - inbound At this time I have filed a complaint with the FTC as well. This company has also told me that they will remove the number from XXXX account. However ; they have not stopped calling.
XXXX continues not to update my credit file with all XXXX bureaus they state foreclosure and wrong amount owed
Greetings Sir or Madam, I am writing about a student loan that I paid off in 2013, but is still appearing on my credit report. 

When I went to the XXXX XXXX of New York, I took out loans with Sallie Mae/Navient. After leaving school I consolidated those loans and made a bulk payment of XXXX from my XXXX account on XX/XX/2013 ( It shows up as XXXX Student loan payment '' ). When I made this payment I did receive confirmation that my student loan debt was paid off as well. 

I have not received phone calls about account issues and my phone number has never changed. 

My credit report shows all of the Sallie Mae/Navient accounts as closed, but there is only one balance as still unpaid and the account name is " U.S. DEPARTMENT OF EDUCATION ''. 

Recently I had {$7000.00} taken from my federal tax returns by the IRS/Dept of Ed ( which has never happened before ) I assume? I am currently trying to find information, but it is very difficult to get in touch with the Department of Ed, as well as Sallie Mae/Navient.
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Chase 's " balance '' on my card and what I calculate from Chase 's own records that my balance should be shows a discrepancy of $ XXXX- {$300.00}. I 've complained repeatedly and they are evasive ; they do n't answer my questions directly. I 'd be happy to provide a spreadsheet, except since I complained they 've made unavailable previous transactions, and in fact, I ca n't see my complete transaction history since I bought the card on their site. I 'll upload XXXX versions of my " complete '' transaction history, XXXX from the day of my first complaint, XX/XX/XXXX and XXXX from today. You 'll see that they allow me very little access to my own information, most likely as a way to ensure that I do n't see what they 're doing. The fact is, the XX/XX/XXXX statement goes back to XX/XX/XXXX, and before that I paid off every single bill in full every month. Combining these XXXX documents should make the current discrepancy clear.
I have presented American Express with disclosure of concerns pertaining the fraudulent use of my account and identity theft. American Express has noted that an address that I did not authorized was associated with the account and confirmed that to this address a credit card was sent out. I reported that from the opening of the account, I have not received a card for my account. Further, the account was compromised and debits continue to be made to the account after having reported several times fraud as their department failed to prevent the unauthorized party to continue to make charges to the account. I have presented my concerns to several parties at American Express, and to this date there exists failure to address the concerns of fraud and identity theft appropriately. I have requested that the monies that were debited from the account as a result of fraud be credited to the account.
A company called Client Services Inc. has been contacting me frequently. The calls come from different numbers every time. I have received messages which I still have recordings of. These phone calls are all for a person I do not know, and on five separate occasions I have explained this and been assured my phone number will be removed. The calls have become such a nuisance that I have to avoid picking up calls from numbers I don't know, which I need to be able to do for work. The most recent phone call was a few minutes ago today ( XX/XX/2018 ). I can track down more dates if needed, as like I mentioned I do have recordings. I have also called them back myself to address the issue of them having the wrong phone number, and again they assure me it's being corrected. On one of these occasions I was called back the very same day.
transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
I attempted to apply for credit with XXXX on XX/XX/2018 - I was declined by the company via an emailed adverse action letter/notice and the reason given was NO CREDIT REPORT FOUND - I was instructed to contact Experian since their soft pull return such - I contacted Experian numerous times on XX/XX/2018 and kept getting wrapped up in the automated phone system - after reaching a representative at XXXX the woman instructed me there was an extended fraud alert on my credit file and she would have to generate some security questions in order to remove the alert - upon waiting on the woman to come back to the call after being placed on an extended hold time - she asked me one security question and then the cal disconnected - I was on the phone for 23 minutes - I called back and reach another representative named XXXX that informed me he couldnt generate the security questions so I asked for him supervisor whom I was told was XXXX XXXX the supervisor instructed me he couldnt pull the security questions either and now I had to submit some documents to resolve the issue which would now be time consuming - there should be no reason that one agent is able to pull-up security questions and another can not forcing the consumer to go through more inconvenient steps - it should be further noted I asked for the extended fraud alert to be removed almost over a year ago from todays date when I had a similar issue regarding potential creditors not having access to my credit report because of the alert status. Experian continues to inconvenience me where Im having to make multiple calls into the same company to still have the same issue and have no resolve. Now speaking to XXXX on XXXX XXXX and still not attempting to help me. XXXX then transferred me into a voicemail box for a supervisor named XXXX then call was dropped. 

Each time called today was : XXXX - 4 minute call XXXX - 23 minute call XXXX - 56 minute call
Asked XXXX  to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX NC and XXXX XXXX XXXX XXXX XXXX nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX and XXXX XXXX XXXX XXXX NC XXXX.
My credit report shows 4-5 separate loans from Navient with unsatisfactory payment history. This has adversely affected me and is now preventing me from obtaining housing. 

In XX/XX/XXXX I experienced the devastating loss of my education due to XXXX XXXX school closure. Since that date, I have fought with the Department of Education, XXXX XXXX and Navient to relinquish the student loans. In XX/XX/XXXX I wrote the State, Local Government and the White House to enlist assistance in requesting the compliance of the Department of Education, and Navient. Afer involving additional parties, the loans were relinquished due to the school closing however, the late payment history is still reflecting on my credit report. I have requested that payment history be removed from my credit report and have not received any form of assistance in this process from Navient or the Department of Education. 

I am requesting that all payment history be removed from my credit report as their was never a debt owed to the Department of Education, Navient or XXXX XXXX. I was unable to use the education I obtained, did not receive a diploma for the education I completed or any form of benefit from attending school at XXXX XXXX. I was unable to receive employment as a result of the school being unable to provide any forms of documented proof of externship or completion. I feel that i should not be held responsible for payment history on an account that did not provide services. I have taken a devastating loss of my education and have been forced to pay for and complete courses through a XXXX  college to obtain the education I previously obtained through XXXX XXXX. I attended over a year of school with ACT college while pregnant with nothing to show for it but non-payment history of a loan that should have been relinquished in XX/XX/XXXX. 

I am requesting your assistance in gaining the compliance of the Department of Education and Navient to remove all history of the student loan from my credit report. It is unjust that I am penalized for the school closure when I upheld my responsibility to ACT College. ACT college could not/did not provide me with the services I was being held accountable to pay therefore, the late/non payment history should be removed from my credit report. Thank you for your assistance in resolving this concern.
I have asked Experian to delete wrong personal information from my report, and they have fail to do what I have requested to do.
Equifax left sensitive credit data of over 110 million consumers open to unauthorized access. While pending civil litigation and possible criminal prosecution will determine the extent of Equifax 's negligence in this incident, in the near-term millions of Americans, myself included, remain at a heightened threat of identity theft now that our data has been compromised.
Simply, I returned a leased Kia to the Kia dealer at lease end and per the lease agreement, I purchased another Kia with the written, express, and implied statements that the {$410.00} disposition fee will be waived and the new Kia will be financed through KMF. The lease and recent correspondence from Kia ( KMF ) states that you have to PURCHASE or LEASE another Kia to waive the disposition fee-which I did. KMF and the dealer scammed me-denied me credit with a XXXX credit score and is now lying to XXXX claiming I have to lease another car only to get the fee waived. KMF is now billing me for {$410.00} for the disposition fee that I do not owe them. They refuse to finance me and will not waive the fee-this is fraud, scam, and violates my rights as a consumer. I do not owe the {$410.00} disposition and KMF does not have legal authority to demand me to pay it.
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX, {$3500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply.
My original mortgage company, XXXX XXXX, transferred my FHA loan to Lakeview Loan Servicing several months ago. I send my check mid-month ( before the due date on the XXXX ). I don't get the statement from them until the middle of the next month. This month, my bank statement showed my check ( sent XX/XX/XXXX for {$1200.00} ) did not clear. I called the mortgage company. They couldn't find my check. I canceled the first check and sent a replacement check on XX/XX/XXXX for the same amount. It has been 9 days ( all checks cleared in under 8 days before ). What am I supposed to do if this company is so incompetent that they can't process my checks properly? I've called, I've emailed and got the response that they are looking into this ... .I have excellent credit and will not have my rating damaged by them. How can I get them to process my payment on time and send my statement in a timely manner? Thank you. checks sent to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX,
This loan has been is short sale approval for 6 months! We have had XXXX offers, XXXX of which have left because of the length of the process, we are about to lose the XXXX and the homeowner has lost her job again and is under much stress. XXXX XXXX XXXX. She has her agent XXXX XXXX sending this for her as she has broken English and needs assistance. We were notified of the approval of the short sale around XXXX XXXX, since then we can not get consistent communication about this short sale and three times they have requested the same information from us of which we have sent and resent and outlined the corrections to the loan officer, XXXX XXXX on which offer he should be looking at. On XXXX XXXX we sent the information below for the 3rd time! We have had no response after numerous attempts and including a cc to his supervisor : XXXX XXXX. Still no response as of XXXX XXXX, 2016. In addition we have left several voice mails since our emails have gone unanswered. Buyers have given notice today that they will resend offer XXXX XXXX due to the lack of communication and response from Wells Fargo. This home appraised for {$170000.00} and offer is for {$170000.00} with {$5000.00} in closing cost ; this should not be hard to accept! Please assist XXXX XXXX with this lender and her unfortunate circumstances.. 
XXXX XXXX XXXX Homeowner XXXX XXXX XXXX Homeowner 's Listing Real Estate Agent SEE BELOW WHICH WAS THE LAST CORRESPONDENSE SENT ON THIS : REF # XXXX XXXX XXXX XXXX XXXX XXXX NC Thank you XXXX for responding to us. We have attached the following based on what you numbered out to us in your previous email. This is the 3rd time we have sent the correct CURRENT documents and what you are apparently looking at are previous offer that no longer apply. 

1. The offer to purchase is in the amount of {$170000.00} not {$170000.00}. 
2. The HUD closing worksheet shows the correct purchase price of {$170000.00} not {$170000.00}. 
3. The attached listing agreement signed XX/XX/XXXX takes us through XX/XX/2016. 
4. The buyer is asking for concessions in the amount of {$5000.00} not {$4500.00}. We understand if there is a cut off of allowable seller concession costs but just need to know for sure the correct amount to advise the buyer. 
5. The fully signed and initialed offer to purchase is attached as well and is n't missing any seller initials. 

How fast can we get a response that you have received these and looked through them and see what we have laid out above is correct? 

Also, can you explain to us what LOW NET means.
i opened a loan on a truck around XXXX 2007 it was a Colorado, XXXX truck i paid over 4 years around XXXX dollars a month i got sick and ask to refinance at this point they put it back at 6 years for XXXX dollars monthly i paid on it a year and half and i lost my father which in turn effected me greatly i started having alot of problems with the truck and it had around XXXX miles i called the credit company and told them i would turn it in and they said i had paid quite a bit of money and they understood.three months went by and some lady called and said she was investigating a stolen truck and she was with the police dept. when i told her where the truck was she hung up and i called back it was a cell.they evidently picked up the truck and auctioned it off for around XXXX dollars now all of a sudden i have this on my credit report with what i paid and auction its nearing XXXX dollars for a XXXX dollar truck please i am trying to rebuild my credit i am on XXXX please help me i did not XXXX them they made there money plus XXXX
The Company who contacted me today, XX/XX/XXXX, had all of my personal information, address, social, date of birth, and mobile phone number. They rang me from a number that was local to my area code and state. The number they called from is : XXXX. The name of company is : XXXX XXXX XXXX. They claim that I owe a private student loan through them for XXXX from XX/XX/XXXX. They list a college that I did not attend, XXXX University, and a client they represent under the name XXXX XXXX XXXX. I have never been a client of that company. Until today, XX/XX/XXXX. I had never heard of this company, have received no notices or bills demanding a payment. They claim to have received my name and contact information in their office on XX/XX/XXXX and they demanded that I settle the debt, and mentioned that " the account is too old for them to sue me, but I can settle it now for a lessor amount. '' I do not owe this bill. I reiterate that I have never attended XXXX University. I asked that they send me the copy of any signed agreement or promissory note for verification purposes. They claim that they do not have the contract in their files and it would be sent via their client, XXXX XXXX XXXX. I do not want this debt to appear on my credit report. All of my private student loans are consolidated through another legitimate company. I have since contacted my debtors to find out if they have either name on my accounts or a debt for that amount. They report no such findings. Please help. I wish to file this complaint with your office. This is clearly FRAUD.
This is my XXXX submission regarding the XXXX. I paid {$1000.00} to try to reduce my loan ; however, they charged {$170.00} in interest, and paid {$820.00} towards the principal. Basically, I am being penalized for paying early. I had satisfied my monthly payment right before making this payment and specifically directed them to pay down my principal, not interest. If they charge me interest every time I make an extra payment, that is neither legal nor fair. Please instruct them to accept payment on principal and to stop penalizing early payments.
Sent communication to XXXX XXXX reporting..no response. disputed classification of debt accounts. XXXX is a credit card ... XXXX mortgage is our XXXX Mortgage ... XXXX mortgage is XXXX back is real estate mortgage ... Car note is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX Bank loan is a real estate loan, it is wrongfully reflected on the credit analysis. Credit analysis groups it with credit card account XXXX revolving ) ... that is the error. 

XXXX XXXX XXXX XXXX for the car note is misspelled account. 

Credit inquires is wrong ... XXXX XXXX we bought a car and financed it. 
There were several inquires on XXXX XXXX within the same day, same hour, requested by XXXX XXXX. This should be grouped together as a single inquiry as we were shopping interest rates ... XXXX XXXX advises it is for XXXX purpose car purchase. Please amend to show XXXX inquiry. 

The XXXX collections ... this payment was delayed due to medical code error on the bill. Medical office resubmitted to insurance company. It was for a XXXX XXXX operation total cost of XXXX was over XXXX XXXX. This was a billing error by medical provider. Paid when agreed upon.
Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over 3 months, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
On XX/XX/XXXX at XXXX XXXX MST, I contacted Ally Bank, to change the due date of my car payment to XX/XX/XXXX I spoke to a rep for 17 mins 18 sec. I explained why I needed my due date changed. The rep told me that if I paid {$20.00} by the XX/XX/XXXX that my car payment would not be due until XX/XX/XXXX and I could then set the auto pay for the XXXX of every month to start XX/XX/XXXX. I asked the rep, what about XX/XX/XXXX payment and she stated that my XX/XX/XXXX payment would not be due until XX/XX/XXXX.. I made the payment and it cleared my account XX/XX/XXXX. I tried to go into the system to set my auto payment and the system would not allow it. I called onXX/XX/XXXXat XXXX XXXX. The call lasted for 60 mins and 19 sec. I informed Ally that the system would not allow me to set up auto pay. I was informed that I still owed XX/XX/XXXX payment. I explained what I was told and they stated that I still knewXX/XX/XXXX payment was due. I told them that I was not aware, because the rep told me it was n't due until XX/XX/XXXX. I was transferred to a manager who told me the same thing and still tried to collect the payment. I told that my payment due date would not be extended until I made the payment for XX/XX/XXXX. I told them it was not fair and I no longer had the money because I took the advice of their rep. I told both the rep and the manager that I was going to file my complaint and I was transferred to a third person who said they needed to investigate my claim by listening to the recording and if they found out I was telling the truth, she would help me with my options. She asked that I give her til Tuesday the XXXX before contacting CFPB. It is now Friday the XXXX. I tried to contact Ally on Tuesday the XXXX by phone at XXXX XXXX and by their online email Thursday the XXXX at XXXX XXXX. I still have not gotten any help and the still have not updated my car payment due date and my car payment is late and I would imagine collected late fees. It is not fair to me that I get penalized, when I was directed by their rep. Who either have the wrong info or was not clear when I asked her the questions about my payments.
After waiting on hold  for 45 minut es for a United States representative. I called up and told them that they reput inquiries on my report.  XXXX   ( will not give a last name or ID number ) put me hold again for 10 minutes when he looked up my inform ation. He asks now what 's the issue and I told him again that TransUnion reput inquiries on my report, and by law you have  to give five days notice. He then asks for the names/dates of the inquiries. He then said this glitch was from an outside credit reporting source. I tell him we both know that is not true. I want these inquiries removed now and I know my legal rights and then he hung up on the phone on me!
THIS COMPANY IS SENDING ME A BILL FOR AN ACCOUNT I DO NOT OWE ON. APPARENTLY THIS DEBT WAS PURCHASED FROM SOMEONE ELSE WITHOUT VALIDATING IT. 

I DO NOT OWE THIS DEBT.
Constar is attempting to collect on an auto lease that was originally intended through XXXX. XXXX collection efforts have exceeded the statute of limitations of 6 years. When I asked for information on the last payment on the account I was told that the information was not available. Today I received a letter in the mail from Constar which does not discolose any of the debt information and they are threatening me with legal action.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Errors : Name Errors : My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, XXXX XXXX