WillisBack/dataset-financial-user-claim huggingface dataset:
I placed a dispute with equifax earlier in the year due to there is a second social security number on my credit report and tradelines that did not belong to me. I disputed the items, the dispute returned deletion of all information that did belong to me. as of me checking my report all information that was previously deleted from my file has been placed back on my file.
Westlake financial Services is financing my car loan, I was told by them that they will report my credit to XXXX and XXXX, this was 9 month ago, so far there is not any credit report. Every time I call them they say that they will report it, they have requested me documents that I already sent and still the same, no report.
I have a Walmart master card. I pay my bill early every month. I made a payment of XXXX usd and it was an early payment but they charged me a late fee because the payment was not what they recommended. Then at some time in the last 2 months I 've been charged XXXX dollars. I have a situation in my life that no one can fix. I think someone paid them to up my bill
Recently, My vehicle was repossessed by XXXX XXXX. Unfortunately due to my wife 's health issue, I was not able to make the payments. It was around XX/XX/XXXX that I began to receive calls from All-tran Financial of which they described that there was a deficiency balance of $ XXXX+. After speaking to XXXX, and after she had called my references, and had also left me several voice mails ; I told her that I could not make the payments, and that I would need for her to send me any and all invoices to my home address, and to please NOT call me anymore. I explained that due to my wife 's health I could not make any payments, and could not afford to make any type of agreement. After being put on hold for several minutes, I was transferred to a supervisor by the name of XXXX. Once XXXX XXXX got on the line with me he became very irate, raise his voice, and demanded that I give him personal reasons as to why I could not make any payments. I explained that I could not disclose any more personal information and that I had already shared the information with the previous representative. After going back and forth with him ; he refused to accept my explanation, and kept on antagonizing the conversation. Not having the time to speak to XXXX XXXX much more, nor being able to explain further ; I told XXXX XXXX that I could not speak to him and that I would disconnect. I am reporting this incident as I feel that I have been harassed ( as described in section XXXX of the online version of the rules for being harassed with collection calls ). 

I am formally requesting to have an investigation opened as I feel that Alltran Financial is not conducting professional collection practices. 
Thank you.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished Lexis Nexis,  XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX  CT, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
My homeowners insurance policy was scheduled to expire on XX/XX/XXXX. However the renewal was {$3900.00}. I found a cheaper policy for {$1700.00} & the insurance agent forwarded the declaration page to Select Portfolio Servicing on XX/XX/XXXX. After several phone calls to SPS, I was told on XX/XX/XXXX that a cancellation had been received for my previous policy with XXXX  XXXX XXXX XXXX XXXX my new insurance information with XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1700.00} had been processed & mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, the new insurance carrier never received a payment for my new insurance policy & SPS is threatening to buy insurance for my property at a more expensive price because they received a cancellation from my new insurance carrier. I am writing to you asking for your assistance because this company has a reputation of fraudulent practices & something needs to be done to ensure that the consumers are protected. Please note that although a date is stamped in their system indicating a payment was processed & mailed, the payment never actually leaves their office for over a week. If I contacted SPS on XX/XX/XXXX to let them know that my insurance policy expired on XX/XX/XXXX, then when the payment was processed on XX/XX/XXXX it should have been overnighted to my new insurance carrier. This is the practice of other mortgage servicers & it should be the same for SPS. This company is fraudulent & a complete rip off to consumers & need to be closed permanently! Please help!
In 2006? I took out XXXX home equity lines of credit on XXXX of my properties. When I took out the loan I was lead to believe that line of credit would be for the life of the loan from my original morgage with XXXX XXXX. I got a letter from BOA that states that the interest rate is going to go up. They show an amount that double plus more than I am currently paying. I went to them and asked if they would allow me to keep the present line of credit and I was told no, because they do not offer lines of credit any longer. I want them to reconsider my request and not allow my payments to go three times what I am paying now..
I purchase my home in XX/XX/XXXX, now this current lending company took over my mortgage loan from another mortgage company early last year. XX/XX/XXXX. My mortgage payment at that time was {$1300.00}. In XX/XX/XXXX my house payment was reduced to {$1100.00}. I assumed it was perhaps my MIP insurance had dropped off as I had heard after 5 years FHA dropped it. I, however assumed, and did n't confirm the lower mortgage payment. I then received this Annual Escrow Disclosure Statement. Now, I have a {$2100.00} escrow shortage! Not only that, my house payment is now to be {$1500.00}! I have attempted to resolve this issue at least 6 times. Spoken to as many representatives. All of them can only recite the data on this disclosure statement! No one has addressed my concerns. How did I, after 6 years of ownership end up owing a shortage of {$2100.00}? Who initiated the change in my mortgage payment? Why was the change made? Why is my new mortgage payment {$400.00} more a month? I checked with my county tax, FHA MIP premiums, both of which the premium remains the same, or less! 
I asked to speak to someone in the Escrow dept, and was told the escrow department does not accept call. The representative said she would email someone in the escrow department and have them return my call. This was 4 days ago. Someone from the escrow dept sent me an email stating the very same information the representatives stated! 
I do n't know where to turn for help? I do not have the {$2100.00} they say I owe, nor can I afford another {$400.00} per month increase in my mortgage payment. Its worrisome how a mortgage company can dictate shortages, and increases without proper explanation to the consumer. I ask for assistance in this matter. 
I simply do not understand how
About 5 and a half years ago my wife and I tool out a loan against her car from Wells Fargo Auto Finance. Shortly thereafter I declared chapter XXXX but specifically excluded this loan from the process because my wife and I got a legal separation and the car was hers and the payment was being taken out of her bank account. When notified of my chapter XXXX declaration Wells Fargo stopped taking the monthly payments from my wife 's bank account. I was not aware of this for several months and my wife did n't notice that Wells Fargo had stopped the automatic withdrawals from her bank account. Neither myself or my wife or the trustee had told Wells Fargo to stop the withdrawals. It has been well over 5 years since they stopped the withdrawals. Neither my wife or me has heard any communication from Wells Fargo concerning this matter. My question is can we request Wells Fargo to sign off as a lien holder in order to get the pink slip? Has the statute of limitations expired?
20 Yrs Mortgage. 240 payments at {$410.00} at 10.8 % Late payments, {$5.00} or 5 % after 15 days. 
Page 2 Line 6 of Contract, Simple Int. 10.5 % per annum until payed in full.

Payed all payments Plus {$5.00} Late fees. when late. 
DITECH now says we owe XXXX in Full. 
Ask for hardship Loan. denied. 
XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$190.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
I am a victim of Identity Theft. I filed a police report and submitted an identity theft affidavit and the other required documents. Transunion was slow in getting back to me and when they did they left XXXX bankruptcies on my credit report. I contacted the bankruptcy office and they sent me a letter stating that they do not report to credit bureaus and asked me to send the letters to all three bureaus. The other bureaus removed the information. However, Transunion reps were very rude and uncooperative. They lied at first and said that they had not received the letters from the bankruptcy office. Then they put me on hold for a very long time. They are very rude and unprofessional. Please help as they are clearly violating FCRA laws.
During my XXXX years, I took out student loans withteh help of XXXX co-signers XXXX XXXX of which is deceased and the other I have not maintained contct with ). I gradauted with my XXXX degree in XXXX and have struggled most times in keeping up with my student loans I have utilized many forbearances/deferrments. I also took advantage of in school deferrrments while getting my masters and my XXXX XXXX which I am still in the midst of ). Several months ago I contacted Navient wanted to work out a manageble plan to make payments on a regular basis. I have been doing so ever since ( please see attached ). I took a year off from my XXXX program and about a month ago, I contacted Navient and let them know that I had returned to my XXXX program and expected to once again be placed on in school deferment. They said they could not do anything on their end had to wait for my name to appear in the Clearinghouse before approving an in school deferrment. As usual they eluded to teh thereat of contacting my co-signer as they always do if I did not continue making payments. In the end I said okay. Though I did call my school in hoped of them contacting Navient on my behalf to expedte the process, but my school stated that they do not do that and I would have to wait for the XXXX House list to be released to navient. I said okay. 

Immediately following that phone call, I began receiving several phone calls a day from Navient 's XXXX system. This has been happening for a week now. I just logged into my Navient online system because I have been bewildered at the harassing phone calls when I have been and am current. I was shocked to see that there was a message on the left stating that I was XXXX payments behind as well as a tacked on non-payment from XXXX XXXX XXXX which is false ( see attached ), although the payment history shows all my payments made from the point I establshed payments with them in XXXX of XXXX XXXX see attachment of payment history ). The payment history also includes late payments fom when I was under in-school deferment.
This is written notice to Equifax that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, phone numbers, and the erroneous names in which have been illegally displayed on my credit file, be validated, and if validation can not be made within the 30 day time frame allowed to Equifax by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Equifax has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.
Hello, I submitted a complaint # XXXX. Citi bank just added the charge back onto my card. There was no explanation. I did not use this company or their services as you can see on my history. They almost doubled my charges 3 days before the move so I cancelled the move. 
I would greatly appreciate your assistance with this. 

Thank you, XXXX XXXX
Lender hired Eastbrook Group to collect debt. They have repeatedly called place of employment threatening legal action and service. Caller XXXX XXXX XXXX, gives claim number # XXXX to collect debt.
XXXX  has been non-compliant with removing the unverified account NAVIENT XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NAVIENT 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.
On XX/XX/XXXX I submitted c complaint XXXX and was told it was going to be filed and removed in court shortly according to the complaint reply made. A title search was done and up to date as of XX/XX/XXXX and remains on title, if this is not done very quickly I will end up being forced into foreclosure. If this happens I will be filing a lawsuit for all damages we incur. Please respond as I do n't have much time and the bank is not going to wait much longer!
XXXX have charged me for services I did not owe due to their computer software change in XXXX and XX/XX/XXXX. I have been unable to communicate with XXXX accounting during those months to rectify their mistakes in accounting. Their accounting representatives and supervisors were unable to help in anyway, and I received multiple different answers to my disputed charges. I finally contacted XXXX to resolve my dispute. XXXX resolved the dispute in late XX/XX/XXXX. I thought the matter was closed. In XX/XX/XXXX, I received a letter from Caine and Weiner Collection Agency demanding I pay {$1600.00} for the debt to XXXX. I have disputed with both XXXX and Caine and Weiner to no avail. I must dispute directly with XXXX accounting. I have tried to do contact XXXX on XXXX XXXX, XXXX and XXXX, XXXX. I continually am directed to automatic answering telling me to leave my telephone number and account number and they will return my call within four hours. I do not receive return calls from XXXX. How can receive proof I owe or provide documentation I do not owe XXXX this debt if they will not communicate with me. This has now affected my credit score. I believe fraud is occurring when XXXX computer system was changing during the time their services were concluded with me. The charges are erroneous. Y
HSBC violates the opt-out prescreened credit offer. 
I have already opted out but still received the XXXX prescreened credit offer.
Received a letter from Resurgent Capital Services : Current Creditor LVNV Funding LLC stating that I owe XXXX. They informed me that because the Law limits how long you can be sued on a debt LVNV Funding LLC will not sue me and will not report it to any credit reporting agency. So LVNV Funding LLC has placed this account with Resurgent, they are asking for XXXX XXXX time payment and the matter will be closed. I am a XXXX employee whose data was hacked twice, This Debt is not mine.
I have had an active account with Mobiloans since XX/XX/XXXX. I have paid approximately {$120.00} per pay period for a {$1200.00} loan. At one point, I was able to get online to access my account and see where I stood on payoff amounts and payment schedules. In XX/XX/XXXX, I was unable to access my online account stating that I was in debt consolidation. I don't understand why debt consolidation should be a reason to not have access to my account. I have called several times to see what my payoff amount is, and I do not get a straight answer. I was told I have " about 32 payments '' left before loan is completely paid off. This seems excessive for a loan that is a balance of {$1000.00}. I believe have overpaid the amount I owe and this account should be closed. I would also need a copy of my loan agreement so I can further evaluate this account. I do not have access to any of this information, and they do not provide it to me when I call them.
The debt is past the statue of limitations and its also older then 7 years. I have disputed and asked for it to come off all the credit reports and somehow it has stayed on. its over 7 years old.
File # XXXX I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.
XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at leas t 18  times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loa ns ans n ot student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not g et ANY i nfo from   XXXX   XXXX   XXXX   XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ). The  credit bureaus were able to give me that information as well as date opene d in 2004. I w ould not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the mo st obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.
Equifax is reporting three accounts on my credit that can not be validated and do not belong to me. I have disputed this on numerous occasions, on dates : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ''. The first account is under XXXX XXXX with account number " XXXX ''. The second account is under XXXX XXXX with account number " XXXX ''. The third account is under XXXX XXXX with account number " XXXX ''. The other credit bureaus have deleted the accounts once they verified the information was not mine and I am including the confirmation letters of the deletions in this complaint. See Attachment. How and Why is Equifax getting a different outcome for the same investigation the other two credit bureaus initiated? XXXX and XXXX deleted the accounts.
During the time I have been repaying my student loans, a series of late payments were added to my credit report. During the time the late payments were added I was under no obligation to pay them back as I was a full time student at the time. I tried contacting XXXX time and time again with no response. I even hired a private company to address them which after 60+ days of no response I stopped my work with the company assisting me in fixing the issue. Ive tried numerous ways to fix this issue with the company and they have done absolutely nothing!!! 3 total student loans all stating multiple late payments, when in fact there should only be one loan not 3. Ive always made my payments and some when they needed to be.