WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/2018 approximately XXXX hours. I received a phone call from XXXX XXXX of NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA. The agent XXXX XXXX stated I owed XXXX XXXX {$3500.00}. I explained to the agent the debt is fictitious, and to cease and desist all communication with the aggrieved party XXXX XXXX. I have no contract nor engaged in commerce with NATIONAL CREDIT SYSTEMS or any subsidiary. The agent taunted, became belligerent and before hanging up abruptly! The agent ( XXXX XXXX ) stated " That's why it's going to be placed o your credit report ''. On XX/XX/2018, I forwarded a CEASE AN DESIST letter to : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, XXXX. to the attention XXXX XXXX. On XX/XX/2018, I received notification from XXXX XXXX and XXXX  that NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA indicates I owe {$3500.00} in debt. This shows the malicious and criminal practice of this company. I have no contract and never engaged in commerce with the criminal organization. The company has committed a crime against the XXXX XXXX XXXX along with using subversive tactics to prevent any dispute of this fictitious claim.
Complaint Source : ChexSystems -- a reporting source to the financial institutions in reporting consumer data activity adverse and derogatory. ChexSystems provides similar services as an official credit / credit reporting agency. 
ChexSystems - Consumer Relations in XXXX, MN provides consumer reports with an ID # XXXX -- dated report received XXXX XXXX, XXXX for consumer XXXX XXXX -Social Security # XXXX. 
ChexSystems listed inquiries pertaining said consumer ; and listed Personal information as a profile and adverse reported information from its merchants, members, subscribers, creditors etc. 
ChexSystems has listed data provided to them by XXXX Bank on this consumer report. Consumer has disputed said data several times with ChexSystems. ChexSystems claims they investigate the data with the source / creditor / institution and provide a similar dispute investigation as credit bureaus to consumers. ChexSystems received a dispute letter XXXX XXXX, from consumer in relation to items listed by XXXX Bank ; which are in error and possibly the statue of limitations have expired. ChexSystems, does not remove the data nor do they intervene in any dispute ; unless the source provider makes modifications and rermove data. Therefore, leaving the consumer with no alternative nor option to repair, recover and/or remove said data. 
Consumer has requested ChexSystems to provide documentation, data details and vigorously investigate the dispute. All ChexSystems, have provided ; is the verification of name, address, SS # and the information as accurate within the ( FI ) financial institution ( s ). 
Consumer contends ChexSystems, damages consumer 's ability to regain financial or banking services due to data on their reports. If the data is inaccurate other than making notation of the dispute ; investigate the matter and remove it ; within the statue of limitations, and/or remove the data if it is n't factual. ChexSystems, is n't taking responsibility for errors in data provided to them ; however, is n't taking measures to correct, repair and validate the data either. 
ChexSystems ; provides adverse / derogatory data about consumers from their database sometimes ; without evidence ; other than data received from subscribers, merchants, creditors, or members of ChexSystems. -- The consumer is left with no other option ; than to suffer the consequences from this information as reported. Mostly, if its outdated, in error and without merit. 
Consumer contends ChexSystems should remove adverse data from consumer 's file until disputes are validated, investigated and cleared by said institution, creditor, vendor, merchant, subscriber etc. Moreover, ChexSystems should be held accountable for damages incurred to consumer for reporting invalid, erroneous, inaccurate, unsubstantial data against a consumer. 
Consumer has requested ChexSystems to remove data which is outdated and/or expired statute of limitations. To date, XXXX XXXX ; neither ChexSystems nor the reporting source have accomplished this request.
Wells fargo home mortgage has improperly handled the servicing of my mortgage loan resulting in unnecessary large amounts of fees added to my loan, default of my loqn payments, and forcefully leading to an separate case of active forecosure each year for the past 3 years. Wells fargo has done this by not properly applying the payments i submit, reversing and reapplying payments innapropriately and without my knowledge or consent, refusing to acknowledge my requests for detailed explanation of the questionable acts applying to my mortgage servicing, refusing my payments in person, by phone, and online blocking my access to pay. Also, The very important and private information such as statements, including default related notices, and foreclosure related information was being mailed to an address which was never mine, at any point or never had I been associated wi H this address, resulting in months of valuable and confidential information regarding my banking and mortgage servicing being lost in the mail and never received by me. Additionally, not having a sensible explanation for why my address was changed without my knowledge or consent. Wells fargo also has forced the improper foreclosue status on my loan by not accepting my payments, even the whole defaulted and past due amount they improperly are requiring I pay in order to bring my loan current. There is always a new representative who i have to explain my whole background to, answer all the same questions of updating all my information several times daily as I am transferred from department to department and ultimately getting no resolution except to call back tomorrow, which results in the same behavior of wells fargo putting off my ability to have my account in good standing.
I have submitted proof of my student loan being cleared and paid in full multiple times. The credit bureaus Experian and  XXXX  continue to not accept the Department of Education/ XXXX  legal paperwork. Both Bureaus have several student loan accounts still open that should be close. I have secured the services of an attorney who will be moving forward once Experian and  XXXX  acknowledge receipt of complaint.
This company is a complete scam, as soon as they cashed the cashier check I sent to them for {$3600.00} on XXXX/XXXX/2016 the very next day I asked them to return my money because I was n't confident they can stop my sheriff sale on time which was set for XXXX/XXXX/2016. When I contacted Core Advisory Group back in XXXX/XXXX/2016 and what made me decided to call them in the first place is the mail advertisement they had sent me saying that I am a plaintiff for a lawsuit against my lender and that they can lower my mortgage payments and stop my foreclosure so I called their XXXX # and I spoke with XXXX XXXX who told me that I had a strong case for them to take on. I even disclosed to her that I am currently in a chapter XXXX bankruptcy and there is also a sheriff sale date on XXXX/XXXX/2016 but she promised me that they can still stop the sheriff sale so I agreed to give them a shot. Once they received my money they referred me to a lady in the name of XXXX which handles bankruptcy and XXXX told me nothing can be done because I am already in a Chapter XXXX and it can not be converted into a chapter XXXX. I told everyone this at the beginning already and they still took my money so I told them on XXXX/XXXX/2016 I want to cancel and my money back. I ended up losing my house because of their false promises and lies that wasted my time and money when I could had used that money to hire someone else to help me. This is a scam and they need to be stopped. I want my money back. I paid these people upfront before they did anything for me. Now I lost not only my house but my money and it is not right that they are allowed to stay in business and prey on people like me. They did not do provide any service for me and they are refusing to give my money back. I need your help!!!!
my name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX fl. XXXX. I keep getting phone calls from creditors asking for XXXX XXXX and she lives XXXX XXXX XXXX XXXX XXXX florida XXXX. I get calls from her creditors asking for XXXX XXXX and I keep telling them that she does not live here and that the number they are calling is not hers. Today I called the FBI, Federal Trade Commission and they directed me to consumer finance. I am scared she is trying to do a scam on my property or my name. I can be reached at XXXX or my cell XXXX. I also am receiving mail in her name but with my address on it. The creditors that have been calling are midland XXXX. XXXX. 

Thank XXXX XXXX XXXX XXXX
I contacted Trans Union on XXXX XXXX, 2016 and disputed duplicate entries and wrong balances with a company called " XXXX XXXX '' aka XXXX. They have affected my credit score tremendously because this company changed names and made it as though my husband and I now have XXXX separate accounts totally more than {$45000.00}. We only borrowed {$20000.00} on this predatory loan from XXXX XXXX and this company has changed names 3 times and all of this is showing outstanding on our credit reports after multiple disputes and as CFPB lawsuit company is still using credit reporting to hurt consumers.
that debt did not belong to me, to my understanding the car was paid off but somehow its still showing on my credit, please take that off of my credit it is effecting my credit score
Hello. 

I'm trying to get my credit report but it displaying an error message saying that my personal information are incorrect. 
My social number is correct, maybe some is incorrect in my name once I'm a foreign. 

Regards, XXXX
I have explained to this company several times that I paid this bill in full. The exact response I received was " oh well, XXXX said that you never paid it so you have to pay us {$500.00} or we will ruin your credit. '' That is the response that I received word for word! I asked them to send me a bill showing what this {$500.00} was for. They said that they do n't have bills and they only have the balance. I am being blackmailed into paying a bill that I do not owe.
I do NOT have a signed contract nor any contract with XXXX XXXX, XXXX XXXX, XXXX XXXX or XXXX XXXX I have NEVER done business with any of these companies. I am NOT LIABLE for collection from this debt from any of the " companies ''. I am NOT RESPONSIBLE for these debts.
In XX/XX/XXXX following two back to back hurricanes I called Wells Fargo to ask if there was assistance such as deferring a monthly payment. I was told yes, they took my information and said I qualified and was approved for a disaster assistance program and that someone would call me within 30 days to explain the details. They said no negative info will be reported because of the protection of the program. I never received a call or letter. I called back before the XX/XX/XXXX bill was due and was told wells Fargo still did not know the specifics and are very backed up please be patient, do not make a payment and someone will call with more details. Toward the end of XX/XX/XXXX a representative called me to say who she was and that Wells Fargo has not decided what to do with all the disaster applicants but will let us know before the end of XX/XX/XXXX. At the end of XX/XX/XXXX I called again and found out my rep no longer worked there and I have not been assigned a new rep. Finally in XX/XX/XXXX I was told I only have two options, pay all three months right now or they will do a full loan modification and re write the mortgage for another 30 years. This was a complete bait and switch. We were not told this was even a possibility and would have found another way had we known. 

I was so angry I started working with another company to do a cash out refi so I could pay off my debts. I worked for 3 months with this other company only to have underwriting deny me at the very end bacause Wells Fargo is in fact reporting me as delinquent to FHA and it shows up on the CAIVERS request. So I lost my refi because Wells Fargo lies. 

I called Wells Fargo several times explain how I was treated and every time they direct me to a customer resolution team. I had to fax a letter explaining the issues and they said they will respond within 30 days. I have not heard back yet. 

I was lied to, misled and forced into a loan modification I dont want. And lied to about no negative reporting that in fact cost me the ability to refi for two years. 

Please help.
AllianceOne continues to contacted me XXXX consecutive times during work hours and told them to contact me after XXXX MST for a XXXX XXXX credit card for {$330.00}. AllianceOne have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : Alliance One ( Representative : XXXX ) XXXXXXXXAllianceOne Receivables Management, Inc. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX
As a longtime Chase credit card customer ( over a decade, all balances paid in advance of bill with a credit score of XXXX ), I recently applied for a Chase-sponsored XXXX XXXX card and was denied even though I currently only have XXXX other Chase card. The reason I was given -- " Too many credit cards opened in the last 2 years '' -- evidently reflects Chase 's newly enacted " XX/XX/XXXX '' policy of which applying consumers are not informed before the application/inquiry process. These are unfair and deceptive advertising practices. The policy unjustly limits the consumer freedom of those responsible individuals who open multiple credit cards per year for perfectly legitimate reasons. Should responsible consumers be punished for not buying into corporate debt and credit slavery?
Ditech gave me written approval for a loan modification, then came back right before the third trial payment and stated VERBAL by way of a phone call that they modification should have not been approved ; stating that there was a glitch in the system why it got approved. I have submitted all of the trial payments on time, then they voided out the modification and it was apparently listed as cancelled in the system because it would not allow their customer service representatives to process my XXXX XXXX, 2017 payment. I called several times, leaving messages in the mailbox for the account representative assigned to my case, and also the the non-profit company that assisting me with the making home affordable program contacted their contact personnel by email on several occasions without any response. I called back on Tuesday XXXX XXXX, 2017 and demanded to speak to a supervisor. At that time I was informed that " the underwriter went in and placed some notes '' in my file. I was then able to make the XXXX XXXX, 2017 payment. 

Ditech has been very fishy with responding or giving information or clarifications when requested. In addition cancelling the modification twice with no concrete reasons, or justifications, then blocking the account so that payments can not be made? i have then all that is being requested of me ; as within my abilities to secure a modification.Then to make matters I was advised that they had a pending sale date of XXXX XXXX, 2017.
Fraudulent hard inquiries appear on my credit report. I have tried disputing them and have had no success. Please have the three credit bureaus, TransUnion, XXXX, and XXXX remove the following hard inquiries from my credit report : XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX My personal identity was stolen and i did not make these requests. 

Thank you
SunTrust a few weeks past sent my wife a new card. She was inconvenienced and let in a bad situation because she couldn't get gas when she learned it was canceled. No text or email notification was sent. Now they sent her a new card and did the exact same thing. 

They have our email, text, phone information, any method of communication they need to reach us, but make no effort to assist and communicate. 

Then when I ask why the card was canceled they claimed a merchant compromised but would not provide any information about the merchant. 

Some things not right and the process need to be changed. My wife could have been at a restaurant when this happened.
Transunion, XXXX and XXXX have provided my financial information to companies and individuals that have stolen all of my assets and my IRS information.
XXXX keeps adding and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. I respectfully asked that XXXX be removed if my credit report. I want all loans older than 7 years removed off my credit report as that is more than statue of limitations for my state. I need this done ASAP, as XXXX is doing illegal collecting and reporting practices
Experian has failed to respond back to investigation I requested pertaining to  XXXX   XXXX  been over 30 days
I was contacted on XXXX XXXX, 2017 at work by someone named XXXX XXXX who said he was with D & A Services, a debt collection agency. He said I owed a debt that actually was paid many years ago. He said he sent me information in the past but I did n't respond to it. I never received any information from this company in any form. I do not owe any debt to the company he was referring to. He was very persistent. After looking up information on this company, I 'm afraid they will use my information for some scamming or fraudulent activity.
XXXX   and   XXXX   will not delete this debt off my credit report that was  discharged by bankruptcy. I have written them to tell them the accounts that they reporting have been discharged thro ugh bankruptcy court. Even though it does n't have an amount, they report them with negativity remarks.    XXXX  also keep reporting a collection from a debt collector that I have no contract with. They send me my credit card statement saying they verified it was my debt. I have n't signed a contract with a debt collector/collection. Its states in my credit report that the original debtor sold it to this collections company
I have a monitoring service through Experian. Every time I try to log in I have to navigate through unsolicited offers before seeing my credit file. On XXXX XXXX i logged in and try to view my product but clicked the wrong option and was charged XXXX. I immediately called in, explained what happened, said I did not want this product. The call center is in a non english speaking country so there is a language barrier. I was finally told I would receive a refund and would have access to the product I was charged for as it could not be undone. The refund would take the to XXXX days. I never received it back on my credit card. I called today, XXXX/XXXX/15 and was told the same thing. I have filed complaints with the XXXX and now the CFPB. My next step will be to file a fraud charge with my bank, XXXX. I just want my XXXX back, very simple.
I had purchased XXXX Hockey tickets for Game 6 between the XXXX XXXX and XXXX from a guy by the name of XXXX XXXX. We agreed that I would send payment of {$440.00} via XXXX and he would then transfer tickets via XXXX. After about 10 minutes of trying to get the tickets transferred this scammer stopped responding and would not answer the phone. I immediately called Chase Fraud department and was told they could see the transaction in pending status but they were experiencing system issues and could not do anything at that time. They asked that I call back in one hour. I called back 45 minutes later and filed my complaint. 
I then received a letter on XX/XX/XXXX advising that the payment was not fraudulent. They did not advise how they came to this conclusion, but had there systems been up when I called I am sure they could have put a stop to this transaction while it remained in a pending status.
ALL 3 " CRA '' CONTINUE TO REPORT SERIOUS ERROR OF FRAUD ACCOUNT/ PUBLIC RECORDS CH XXXX BANKRUPTCY ... NOT MY ACCOUNT
XXXX XXXX XXXX is correspondence and claiming that I owe for an account for XXXX XXXX and XXXX XXXX XXXX not owed.
Experian have violated the Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of CharacterExperian failed to validate the debt accordance with State of Tennesse law. Report # XXXXTotal XXXX violation throuh XXXX XXXX. 

Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character What the money you say I owe is for ; ( I need signed XXXX, application, where and when XXXX Experian Did not furnished ) Explain and show me how you calculated what you say I owe ; Must support XXXX terms and condition ( Experian Did not furnished ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( Experian Did not furnished ) ; Provide a verification or copy of any judgment if applicable ; XXXX Experian Did not furnished ) Identify the original creditor ; XXXX Experian Did not furnished ) Prove the Statute of Limitations has not expired on this account ; This Item must be expired XX/XX/XXXX. XXXX have reported first deliquence XX/XX/XXXX with similar account. Must verify ( Experian Did not furnished ) Show me that you are licensed to collect in my state ; and XXXX Experian Did not furnished ) Provide me with your license numbers and Registered Agent. XXXX Experian Did not furnished )
Speedy Cash took money from my XXXX XXXX debit card without my authorization. I receive my social security SSI payments in the amount of {$730.00} on this card on the XXXX of each month. On XXXX XXXX my card was debited by Speedy Cash for the amount of {$520.00}. When I called them they stated that my account was past due ( beginning XXXX XXXX ) and that it had gone into collections. I informed them that I had not been contacted by them or the third party debt collector. I also informed them that when I had a payday loan with Speedy Cash in the past that I was told the only way to make payment was to come into their office because they were not authorized to charge my debit card without me being present. I was told that they had the right to take money from my account. They also said that there was nothing they could do because the third party collector was involved. They gave me the phone number for that company. When I called, the representative told me that they were not involved in collecting on this account any longer because Speedy Cash had taken the loan back. I am confused by the back and forth. Now, I am in a horrible position. My account was basically drained which leaves me with no money for the entire month. No money for rent, utilities, doctor visit, or prescriptions. I am XXXX and have no idea what I am going to do.
Requested a free annual credit report from Equifax on XX/XX/2018 using the annualcreditreport.com site. Told that it was not available on line ( other two credit reporting agencies, XXXX and XXXX provided my reports online ). Told to send a written request. 

Sent written request on XX/XX/2018. 

Went online to to equifax.com/XXXX  on XX/XX/2018. Filled out form and received message saying the state I live in, New York, does not provide a free report and invited to pay {$11.00} for my report. I did not pay.
My mortgage was just sold from XXXX XXXX XXXX to a unfavorable mortgage called carrington effective XXXX XXXX I have n't received anything from this company, I 'm scared to death about having to deal with company because of the many complaints, what can I do