WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX received a letter from XXXX XXXX XXXX stating that I have a loan with them and to summit a payment but there is not payment amount or loan amount. I contact and spoke with XXXX I give her the account number XXXX and I told her that I never open this account. I ask her when this acct. was open she said that was open and XX/XX/XXXX but she wo n't give me the loan amount or information. She also told to send a letter to XXXX XXXX XXXX XXXX to dispute the account because was due to Identity theft. Today XX/XX/XXXX I called golden valley and spoke with XXXX and explain what happened he verify the account of total of {$1200.00} I told him that was not me, the person that open that account and needed to dispute all charges because he wo n't give me any information of that person that open the acct. 
I called XXXX to verify my report and they said that XXXX XXXX XXXX summit 2 inquiries. Also Today XX/XX/XXXX XXXX XXXX XXXX XXXX   called to collect the debt. I told him that my that spoke with him in the morning and told him that my identity was stolen and already file a police report and he said collections will continue and hang up.
A credit repair firm sent multiple dispute letters addressing a MOHELA account on my XXXX  report. This account is listed with a {$0.00} balance but is still being reported as an active late payment account.
I recieve 2-4 every single day for months and can not get them to stop. A message is never left and I have never received letter or any kind of mail from them. I am certain I do not owe any unpaid debts.
I applied to take over a lease on a XXXX vehicle with Ally Bank. There is approximately 24 months left on the lease with the aggregate payments amounting to no more than {$34000.00}. I submitted a credit application which Ally Bank rejected citing " credit experiences are insufficient for dollar amount requested. '' Meanwhile, in its rejection letter, Ally acknowledges that my credit score was XXXX out of XXXX. As indicated in my credit application, my annual income is nearly {$XXXX} ; I 've been employed with the same employer for over 13 years and resided in my residence for nearly 10 years. The only outstanding debt that I have is a student loan in the sum of {$50000.00} with no late payments and a car lease for one of my assistants from XXXX with {$3000.00} left. I have no negatives on my credit, I carry no credit card debts and all components of my credit are designated as " Excellent '' by all three credit reporting agencies. In fact, my credit score and income exceeds that of the original lease holder for the car. The only possible reason for Ally 's refusal to approve this transaction is either a racial and/or national origin bias. I believe that Ally is discriminating against me due to my XXXX ( the original lease holder has a XXXX ). Given the vast discrepancy between its explanation and my credit history, there can be no legitimate reason aside from discrimination. In fact, Ally has a history of discrimination against minorities with relation to auto loans, having had to pay over {$90.00} XXXX in 2013 as a result thereof. I believe that I am not the only person of XXXX having experienced this matter and know of at least one other who has excellent credit, but was denied an auto lease for the same or similar reason by Ally Bank. Furthermore, I had authorized Ally Bank to check my credit score once. However, it did so on at least two occasions, thereby negatively affecting my overall credit rating.
My recent credit report have disputes I created through Equifax in regard to XXXX derogatory marks listed in collections that are on my report. This information is inaccurate and suddenly appeared on my report with no knowledge. The accounts in my report that are considered to be in collections do not belong to me and or are payed off. I believe the negative information on my report is untrue and I want these derogatory marks removed from my report. I 'm unable to apply for loans, credit cards, etc because other businesses that pull my credit report are seeing a score displayed to them that is incorrect.
Debt is form unpaid from an auto mobile accident in XXXX XXXX 2014 and the insurance is will pay but needs itemized bill and will not send them a bill
Inquiries from indentity theft and they refuse to remove with clearly they notice and recognize my situation no help from consumer services please help me just the them removed 3 inquiries   XXXX   XXXX   and  XXXX  I need them to be removed from my credit
I received a call XXXX XXXX on Tuesday XX/XX/2018 they lady was very rude and wanted information I was not comfortable giving and after I asked 3 times to not call me and only communicate with me through mail or email she said no we will just call back later then and hung up. She also kept saying how are you going to pay and this is the 3rd collection agency for this debt which is not true
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
I received a phone call from Bank of America this morning letting me know that I had missed a payment ( about a week ago ) on a mortgage. Bank of America Variable Rate XXXX XXXX XXXX XXXX I said that I would log into BofA website and check the status and make a payment. They told me that PAST DUE payments are NOT displayed on the website, only future payments. Sure enough, when I logged on, I could see my NEXT payment due but not my current slightly late payment due. This is STUPID. How can I pay what is past due if the website will not show it to me. So I just paid and added {$100.00} or so to make sure it was covered. I then tried to find some way on the Bank of America website to send them a email or message to describe the problem. and I could not find any link to email or message them on line. This is STUPID. 

I might add that I missed a credit card payment by two days, and I made that payment today. But when I went to the Bank of America website it DID NOT show me the amount that was due, but it showed me the total due INCLUDING A PAYMENT NOT DUE FOR ANOTHER 25 days. STUPID STUPID STUPID. My credit card ending in XXXX Seems to be a pattern here, if I miss a payment on a credit card and log in, it shows me the total due included an accelerated amount for a payment not yet due. This is insipid.
I signed up for a joint checking and savings account on XX/XX/2018. The offer at the time was for a {$400.00} bonus if I kept {$15000.00} combined in the accounts for 60 days, and the bonus would be credited to me within 90 days of time interval completion. This means the latest date the bonus should have been credited was XX/XX/XXXX. As of XX/XX/XXXX, no bonus has been credited. I have contacted Citibank on XX/XX/XXXX to check on the issue and I was promised that the bonus would be credited by XX/XX/XXXX. On XX/XX/XXXX, I contacted Citi again because the bonus was still not credited. A case was opened on my behalf and I was assured that I would have a response within 2 business days. I received no communication from the bank regarding this issue in those days. I contacted Citi again on XX/XX/XXXX, and was told that the case was received and established that I was eligible for the bonus, and that the bonus would be credited to me within 3 business days. 3 business days have since passed, and no bonus is pending or posted to my account. I feel I have been very patient with this issue and I am extremely dissatisfied with Citibank regarding the process.
You have already settled a case vs RPM mortgage. I got my mortgage through RPM in XXXX of 2012 but I never received a payout. I 'm thinking many people might have been left out of the settlement. I called the hotline and no one had a good answer as to why I would have been left out. My loan number was XXXX and it was issued through XXXX XXXX, a XXXX XXXX which I 'm sure is a common company RPM uses ... .it 's probably owned by RPM. I think you should dig a little deeper into RPM as I had big issues when they set the loan rate. When the ten year yield was falling and I called to finalize my loan rate they never answered the phone. They only answered when the 10 year stabilized and it was at a much higher level. I was livid ... I am not shocked that they got sued ... <P/>Thank you and have a nice day. <P/>XXXX XXXX
on XXXX XXXX, I sent an investigation request to Equifax. 49 days have now passed, and Equifax has not responded. They are supposed to respond within 30 days.
This co claims to be a agency that collects past due traffic tickets. I have a ticket that is not paid, however on the mailings they send me they only have an amount. they do not give a citation # or anything pertaining to the ticket. the internet list numerous of people they constantly call and threatened them. they call my number every day. 
I want to pay the ticket, but not to them.
There is one ( 1 ) account that should have aged off of my credit report that is not only not aging off, but is being reported in duplicate ( 50k as opposed to XXXX ) on my credit report. 

I have contacted and informed both the company that is supplying this erroneous, damaging information ( XXXX ) and the credit reporting agencies XXXX and TransUnion with no success. I have sent documents to include XXXX 's and first report dates that validate my position that the information should have aged off and that the amount was for XXXX and not XXXX.
Company called and said I took out a payday loan that I never took out 6 years ago, told me I was going to be sued if I did n't pay them XXXX dollars. Name of company is Cadinal Processing, said loan was through XXXX XXXX and XXXX XXXX.
Hello I am contact you in regards to my active coinbase account. As of XXXX XXXX I was locked out of my account. I was directed on their website to follow a few steps to resolved the problem. I completed the process and received an email notifying me that it was approved and I should be receiving a code by text to allow me access to the account. I never received the code. Next I sent a request ticket through there website, but got no reply. After that I called the customer support number, who directed back to the website. Once I did get a reply regarding my ticket it directed me back to the website. Next I used their XXXX account and their XXXX XXXX account for assistance and have gotten no reply. I am now writing to you while being placed on hold by their support line, I have been on hold for two hours. I have not included the dates because of the large amount of attempts I have made. 

Please help me regarding this issues, I have went through the proper channel as they have directed with no success.
I am continuously receiving phone calls throughout the day from a company by the alleged name of National Credit Adjusters. They continue to leave some sort of robotic like message stating that they are attempting to collect on a debt. Sounded very suspicious in nature. The recording sounded foreign like, with broken XXXX.
I have contacted Equifax about removing an inaccurate chapter  XXXX  bankruptcy being reported on my credit file. I have requested validation of this chapter  XXXX  bankruptcy by the court and my original signature on this chapter  XXXX  bankruptcy. Equifax has not provided me any requested documentation. I have a signed letter from United States Bankruptcy court stating that the court does not verify records with the credit reporting agencies. Equifax is using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this in accurate information.
I was admitted to the hospital and the finance department failed to inform be before discharge that I had a copay. Hospital did not have current address on file thus unable to provide documentation describing the amount in question. {$100.00}. The amount was paid and I am disclosing receipt.
They called using my correct name. But the debt they called about was a very old one. The Statute of limitations has long passed. Also, the amount owed they spoke of, is way off! By more than {$12000.00}! I called the Attorney General and the FTC. I was told, " THIS IS A SCAM. ''
I have had numerous issues with Experian. In XX/XX/XXXX, I spent hours trying to get a credit freeze and had to submit numerous documents such as copies of Drivers license, bills, etc., to prove who I was. 

Finally in XX/XX/XXXX, I got a letter from Experian sent to my correct address. 

Then In XX/XX/XXXX, I requested a credit report from XXXX   and found out that I might have been the victim of identity theft. 

The letter I got from Experian was sent to an address I had quite a while ago. So, they have corrupted their files between XX/XX/XXXX and XX/XX/XXXX of this year. 

I tried to get this fixed by filing a dispute online with them. And they wouldn't let me provide the information. I kept getting error messages. 

I shouldn't have to waste hours and hours of time not to mention the aggravation and concern with sending private documents in the mail to these companies. If they are making money off of me, the least they can do is be sure the information they provide is accurate and not make me jump through hoops regarding my own information! 

Anyway, please see to it that Experian gets its act together and changes my address back to the correct one. 

Thanks, XXXX XXXX XXXX
On Sunday XX/XX/2018, I received an alert from a credit monitoring tool 'XXXX ', indicating a collection account has reported unpaid on my credit report causing my score to drop 40 points!! The collection account was Diversified Consultants who was servicing the account for XXXX cable. I called the company Monday morning to find out more information as I had not received a notification in any form from Diversified Consultants that they were collecting this debt. They shared with me the account is {$240.00}!!! I am in the process of building a home and I'm working diligently to increase my score and not allow for anything to decrease the score. This debt was not something I was informed about prior to them reporting to the credit bureaus as I would've made sure the balance was paid. I moved in XX/XX/2018 and submitted a change of address in XX/XX/2018 ( attached ). If Diversified Consultants sent notification of this debt to the old address ( XXXX XXXX XXXX XXXX, Oh XXXX ) it would have been forwarded to my new address ( XXXX XXXX XXXX XXXX, OH XXXX ) or returned to sender. I confirmed Diversified Consultants had the old address on file and I provided the new address to them during our conversation Monday XX/XX/2018. XXXX was aware of my relocation and had my new address as I had to physically drop off my cable and internet equipment at their office on XXXX XXXX XXXX XXXX, Ohio..
I was contacted by Alliant Capital Management of a loan client I was told that I received a loan in amount of {$800.00} to a checking account. I do not remember signing up for this loan. 

They gave me last XXXX acct number of the checking account used and I do not own any of those accounts. Contact bank and they said I have never owned said account since being there since 2012. 

They claim that payment was taken out of said account for a couple of months and then stopped. 

They claim a email that was used is an email I own. 

Both people I spoke to were rude and yelling and totally out of control. 

Their client or the creditor has not sent any correspondence to said account mailing address on this issue or anytime after they stopped receiving payments.
I borrowed money from XXXX to purchase a condominium. The loan was transferred to Stearns mortgage. The Stearns loan number is XXXX. 
I recently paid off the loan, and received a recorded copy of the release of mortgage. Despite repeated requests for the return of the note, I was provided only a copy - not marked paid in full. 
Stearns has refused to respond to my request for the note, or to advise me whether they have transferred, sold, or otherwise alienated the note. If they have, they should nothave accepted the payoff. I have no way of knowing if the note is presently or will be in the future in the hands of some third party. I would like your help in this matter.
This company is a scam. The irony of that can not be understated given the fact that this is a company that is supposed to protect your credit and protect you from ID theft - but they steal from YOU!

You automatically get signed up if you don't cancel after getting a free score. That's pretty standard, but then THEY DO NOT LET YOU CANCEL YOUR MEMBERSHIP. Unlike any other reputable company in the year 2018, you can not cancel online. They set it up so that you have to call them in order to cancel, and then when you do, you're put on hold for hours ( I was on hold for almost 2 hours before I wised up, hung up the phone, and called again but pressed pressed different numbers besides what leads you to " cancel my membership '' ) so that you can not cancel. It's impossible to cancel online ; I tried.

The other problem is that they take your credit card info to subscribe you without your consent if the first credit card is cancelled, or is expired, or whatever. The card that I had used initially expired and they automatically accessed my new card and started charging me. Oh, the irony - a company designed to protect you from being stolen from, and they steal from you.

I know many other people have had this problem. It needs to stop. They should not be able to get away with this.

After 3 hours, I was finally able to cancel my account. To be honest, I'm worried that it won't actually be cancelled.
XXXX / CHEX SYSTEM : HAVE PROVIDED INACURATE INFORMATION ABOUT ME BEING ON A : LIST - OFAC SDN - US TRESUARY / RESERVE FOR TERRORIST AND DRUG DEALERS. THE INFORMATION PROVIDED TO ALLY BANK IS FALSE AS I HAVE VERIFIED WITH TRESUARY. MY CREDIT RECORD IS INPECABLE AND I DONT TRUST THIS COMPANY TO CONDUCT ANY BUSINESS WITH MY INFORMATION. US TRESUARY HAS AN ONLINE SEARCH TOOL, EASY ENOUGH TO VERIFY MY GOOD NAME. THE ACTIONS COMITED BY CHEX SYSTEMS INC. ARE FRADULENT. PLEASE BEAWARE THAT MY GOOD NAME WILL NOT BE TATRNISH. GET IT RIGHT OR GET OUT OF THE BUSINESS.
XXXX always try 's to collect twice on their end upon a disconnection. Creditor Acct # XXXX ; The most recent total amount due was {$000.00} as I returned their equipment in person to their office on XXXX. They had sent the equipment chgs to CREDIT MANAGEMENT , LP for the amount of {$220.00}. This is annoying and is the reason I am so upset most of the time. This ALL effects my credit score. My life begins to fill unmanageable when collection letters come that are inaccurate. Once their tech. came out and pocketed my Son 's cash. When I spoke with them, they called it a mistake. That is must have been sent to misapplied accts. What? a tax loop hole? It is so very upsetting to see my credit score drop with each institution.
Second complaint against XXXX Bank. Disputed information on my XXXX report and XXXX had both accounts in question deleted. Same dispute sent to Experian. Received results and only XXXX account deleted and the other XXXX updated. Called Experian to find out why. Representative there said that XXXX told Experian they " just wanted to leave that account on my credit report ''. Again, same accounts were deleted with XXXX and should be with XXXX as well. XXXX is not consistent with their reporting practice and is in violation of the FCRA and FDCPA. I will file complaints with FTC and state attorney generals office after this complaint if it is not resolved immediately
I have contacted Santander trying to remove this account from My Credit report for years they refuse. I have advised them I am a victim of identity theft and requested proof this account indeed without a doubt belongs to me and they fail to do that. The only thing they have sent me is proof of the payments made to the car which does n't prove this debt or account indeed belongs to me.i demand proof such as copy of my drivers license, passport, state issued id, social security card etc documents providing I opened this account personally. I even tried to settle this account even though I do n't owe anything to them and they refuse to remove the account even after payment. This is t correct and someone needs to put into place my rights as a consumer.
M & T Bank is reporting a foreclosure on my credit report which is incorrect info. 
I had an account that XXXX incorrectly started foreclosure proceedings but we went to court and they lost and we paid off mortgage balance. I have disputed this matter with credit report agency 's as well as M & T Bank however they refuse to send the verification info as to what they are reporting and why.
wells fargo bank is allowed a charge in my acct that iam not authorize i call the bank in XX/XX/2017 to see why is the charge for years in my acct that i need then to stop the charge i have a letter from wellsfargo that said the charge was stop the problem that they stop for 2 months only i have the same charge again ( HAP XXXX ) IAM SICK OF THAT ABUSE I TRY TO CALL the # XXXX and never answer only cumputers but said welcome to wells fargo so wells is making the charge in tha is wrong
Wells Fargo bank decided, on their own, to convert our Simple Business Checking account to a Federal Agency Account. This happened on XX/XX/2018. We noticed this change with the following month 's statement. We called Wells Fargo and verified that we were not a government agency and confirmed with Wells Fargo that we were not eligible for this type of account. They stated that they would switch it back, but it may not show up on the statements until a month later. We waited two months and it still hasn't changed. On XX/XX/2018, we went to a Wells Fargo Branch, they claimed that they could change the account but as of XX/XX/2018 this hasn't been corrected.
Like a desperate college student, I got a private Hesaa NJ Class Loan. I defaulted on the loan, my parent and I put down a large lump sum amount. I was put on a temporary payment plan to give me time to pay the rest. However, if you do n't have the money, you do n't have the money. I made all my payments on time. Received a letter that the balance XXXX was due, called the Attorneys to continue this payment plan, because my family do n't have the lump sum to pay off. We cant get a loan, because this loan in preventing us from getting any outside Loan. So we are stuck. Hesaa, please give families that have defaulted on your NJ CLASS LOAN the ability to rehabilitate their loans.