WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from Contract Callers XXXX XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Claiming that I owed XXXX, Formerly known as XXXX {$100.00} File Number XXXX Account XXXX They attached no proof, and I have no reason to believe I owe XXXX any such amount. I have never received any such bill from XXXX, or any communications about any such bill. 

I called the number listed above, to inform them that I disputed the debt, in its entirety. They told me that I I had to tell them the last 4 numbers of my social security number. I told them I had no intentions of telling someone I had no pre-existing business relationship with any of my PII. They said that I was obligated to send them written notice of my dispute. 

I see no reason why I should have to spend more of my time, or buy postage, to dispute something they seem to be making up out of whole cloth. 

I would appreciate your help in this matter, as their representative was escalating and hostile, and repeatedly insisted that I divulge PII, based on a letter they sent me, out of the blue. 

Thank you
I settled an account with XXXX in 2015. I have disputed it 3 times with Equifax and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law
I had a car loan loan with Fifth Third Bank ( XXXX, OH ) which was just court-ordered to pay XXXX dollars to their XXXX and XXXX clients to settle a class-action lawsuit. This bank was charging higher interest rates to these racial groups which I am a part of ( XXXX ). I had a loan during the timeframe these acts were perpetrated ( Starting XX/XX/XXXX ). I ended up having to refinance my loan with a different Bank ( XXXX ) XX/XX/XXXX.
We have a mortgage with Chase Bank. We have suffered a financial hardship that has caused us to fall behind on our mortgage. We want to keep our home but have exhausted all our efforts trying to work with Chase and staff. It has been extremely difficult getting past all the red tape and we are concerned that Chase will wrongfully foreclose on our home, due to no fault of our own. I have applied for a modification at least XXXX times with no success. At this point we are n't allowed to make any sort of payment. We will what they are doing to us is not fair and is not giving us a very fair chance. We are desperate in efforts to try and keep our home but feel they are n't giving us a fair chance in doing that. We have been put on a couple different re-payment plans that are extremely outrageous and we would not be able to provide for our family with paying those payments. All we are asking is for a fair chance in keeping our home.
Citi Bank is showing that I have an account open totaling more than {$3000.00} and I 'm an not on that account. I would like it removed from my XXXX and XXXX credit reports.
I applied for a loan with AmeriSave so I could get a pre-qual letter as an adjunct while I looked for a home to buy. I was applying for a 30 year fixed rate mortgage loan. I was contacted by AmeriSave Loan Agent, XXXX XXXX. There was a problem at first when my credit was requested from the Credit Bureau 's. My credit which is excellent, but it came back in my old name only. I had a legal name change in XXXX XXXX. I was not sure if that would be a deterrent to getting a home loan and the loan officer was not sure either. The loan Officer stated that she was checking with her Supervisor about it and would get back to me. In the meantime she informed me that I needed to submit certain paperwork. On XXXX XXXX, XXXX, a day after the paperwork was requested, I mailed all the paperwork to them with the exception of my bank information which I wanted to wait on submitting until I was sure the name change was not going to be a problem. I then had to go out of State to attend my Mother 's funeral. By XXXX XXXX, XXXX, I had not heard back from AmeriSave so I emailed XXXX XXXX to ask if they had received my paperwork and how things were going with my name change information. She replied a day or so later, stating that I needed to go into the portal and check it out. When I checked in the portal, it stated that my paperwork had not been received/entered. I checked again, and again, still no paperwork was noted in their system. I tried a couple of times to contact her by phone regarding the missing paperwork, but received no reply 's from her. On XXXX XXXX, XXXX, I emailed XXXX XXXX, XXXX 's supervisor regarding the situation. I also requested that my paperwork be sent back to me. I did not hear from him. Finally XXXX weeks later on XXXX XXXX, XXXX, I emailed their customer service department about the situation. On XXXX XXXX I still had not heard back from anyone so I sent another email to AmeriSave Customer Service Department. 
I am very concerned about having my paperwork out there somewhere unknown. It has information that I would not want in the wrong hands. I have not been able to obtain a response from AmeriSave to date. I do not wish to pursue a loan application with them after this situation, I just want my paperwork returned safely. 

I do not know what the problem is exactly, but I can not work with XXXX XXXX. I find her unprofessional at best. Is there a reason I ca n't work with you on this? I felt comfortable working with you and would like to have you as the loan agent. If this is not possible, I am thinking seriously of not going through Amerisave for a home loan, in which case I would request my packet of information that I mailed to Amerisave be sent back to me.
Remarks : XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to none XXXX XXXX XXXX XXXX Account Number : XXXX Payment Status : Late Please Change to Current Payment Status Details : INCLUDED IN BANKRUPTCY Please Change to Paid or Paying as agreed Comments : BANKRUPTCY CHAPTER XXXX Please change to None Reason for Dispute : I believe that this account ( s ) is invalid or contains incorrect information. Please validate these account ( s ) in its entirety or remove this entry from my credit report. Thank you. 

Public Records : Reference Number : XXXX Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.
On XX/XX/2016 I received an email from my local Wells Fargo loan specialist XXXX XXXX stating that he and his manager had called my telephone number and that the person who answered the phone said that I had passed away. This was very concerning to me because I was about to leave out of town for two weeks so I had suspected some identity theft had occurred on my account and that someone was trying to access my funds. I immediately called Wells Fargo customer support to place a full freeze on my account because I had suspected nefarious activity and I also emailed back loan specialist XXXX XXXX to confirm that I was indeed alive and well. 

I am very concerned about what number XXXX XXXX called and if any of my personal details or information was revealed to an unknown individual. I have several loans and a solid business history with Wells Fargo. They have my complete and up-to-date information, including my current telephone number, so I do not understand how and why an employee of Wells Fargo was contacting another individual to talk about my personal account details. Other employees in the past have reached me at my correct number, so there should not be any confusion or misunderstandings. 

I would like Wells Fargo to investigate this issue and give me a full accounting into how this mix up occurred and whether my personal account details have been revealed to another unauthorized individual. I am concerned about the safety of my account and I will keep my account freeze until these concerns are alleviated. If XXXX XXXX called this unknown individual, it is possible that other employees may have as well and could have possibly revealed my confidential details, which is why I am so concerned and I need Wells Fargo to look into this matter. 

Also, is it normal protocol for an employee to email a customer to confirm that they are alive? That seems a little odd to me and I would think that I would be called instead.
XXXX Student loans sold many of my private loans to Discover. While looking at my credit report I see several " payments '' made to Discover that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to Discover and therefore should not be represented on my credit report. 

I have NEVER made a payment to Discover, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the Better Business Bureau. To date Discover has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made Discover should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.
I lost my card. Somebody had deposited fruadulent checks and cashed them in a different state fifth third bank stated they would fix the problem. they sold my account to a collection agency and the thief also took XXXX out of my savings
Due to a job loss Kays placed my account in a special status which reduced my payments for an extended period of time beginning in XXXX. Kays failed to send me any notification that the reduced payment plan ended after XXXX to four months and because of this I was paying the reduced amount of {$90.00} a month instead of {$130.00}. I observed that my payment due was increasing and reached out to Kays in regards to this issue and at that time I was informed that my payment plan had stopped. I requested an extension on my payment plan at which time I was mailed my unemployment insurance forms that were associated with my Kays account and was instructed to mail them back in. I returned the forms and continued to make my Kays payments, but heard nothing back from Kay in regards to my insurance on my account. I continued to pay my account but was continuously receiving phones every hour about my Kays account and my balance due. I spoke with a rep about the calls and she informed me that the calls were on an auto-dialer and that she would remove me from the auto-dialer service but I may still get contacted about my account. I continued to make my payment utilizing the Kays website and in XXXX sent my payment for {$130.00}. Apparently my payment was returned because I entered the wrong account information, but I was never informed by Kays. Instead Kays reported me 30 days past due. I contacted Kays on XXXX XXXX, 2016 in regards to this and I was informed that I was placed on a do not call list by accident. My name was removed from the list. Because of the error Kays agreed to lower my payment and stated that they would adjust my credit report for the month of XXXX but I would have to file a dispute with the credit bureaus which I did. Kays failed to remove the 30 day late mark and instead just updated the balance due and the payment due on the account.
Due to hurricane XXXX in XX/XX/XXXX, the federal government placed a disaster area where my primary residence is located. The mortgage company placed a moratorium on the monthly mortgage, which was required by federal government because of natural disaster XXXX. 

The past 6 months or more the mortgage company told me to apply for modification and no payments were allowed to be paid at the time of loan modification. Mortgage company begin reporting late payments to credit report. 

Mortgage company informed me that I did not qualify for loan modification because of income not higher enough to cover monthly debt. 

My income level is the same or maybe a little more than before the disaster. The federal government, HUD, mandated in XX/XX/XXXX, that any persons who are able to show proof of income levels being what there were before the disaster and can afford to pay the original monthly mortgage, should automatically receive a partial claim through the mortgage company. 

This option was not offered to me.
I recently found out my credit file was not only incorrect but was a duplicate going back over 7 years. It also has an incorrect amount and this still has not been corrected. It seems they do n't care. XXXX have it right but not Experian!
Transunion is reporting my previous mortgage account as currently 30 days past due which is impossible. The loan is paid in full and pays as agreed. I am filing this with CFPB as a pre-cursor to engaging legal counsel. This is BLATANT and malicious reporting by Transunion and I will not be bullied. See below from Transunion : Account Name Balance Balance Date Monthly Payment Term XXXX XX/XX/2015 XXXX Account Details Payment Status TransUnion XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment XX/XX/2015 Status 30 days late Loan Term 360 Loan Type VA real estate mortgage Opened XX/XX/2015 Reported XX/XX/2015 Remarks Closed Creditor Information XXXX XXXX XXXX XXXX , CA XXXX Phone # : XXXX Your 3-Bureau Report is Ready VIEW IT NOW
I have been receiving phone calls from a collection company Number ( XXXX XXXX XXXX They said they are representing a company name XXXX XXXX. I contested the debt and demanded verification. They did not provide any instead gave me another telephone number. I called the number they gave me XXXX XXXX XXXX they did not provide verification they did not identify themselves they wanted me to provide them with my personal information. 

I have never done business with such company. I do not owe any money to this company and they keep calling me in a regular basis requesting payment without verification.
On XXXX/XXXX/XXXX, Experian denied me the ability request my free annual credit report through the use of XXXX. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity of receiving a copy of my credit report, in regards to the massive breach of XXXX.
ja m a Service Connected XXXX Veteran with XXXX  health diagnosis. I became unable to work full time and began to have financial hardships. I was waiting for unemployment and needed some money to carry me until it was approved. This was in XXXX XXXX XXXX. I contacted XXXX and told them about my hardship and asked for a loan of {$2500.00}. I was told that I had to take out {$5000.00} or more. When I took out this loan I was under duress and was confused about the terms and conditions. I asked what was owed on my account and I was told that I owe {$6700.00} which was {$1700.00} more than I borrowed even though I have been paying for a year. 

Loan Date : XXXX XXXX Loan Amount {$5000.00}
We enrolled in the XXXX XXXX Rewards debit card program in XX/XX/XXXX. 

Promotional Reward Program Problems - Visa XXXX Debit Card : We had problems receiving our rewards from the beginning. We spoke with at several different customer service representatives through the card issuer on and off about the problem over many months, with our last conversations XX/XX/XXXX about the problem. Each time we were told a specialist would return our call but our calls were never returned. 

We were told by a card issuer service representative ( at that time XX/XX/XXXX ) there was over {$300.00} in rewards that were never issued to us, and that our debit card may have been provisioned incorrectly when issued. We were also told that the system was not functioning properly and that the reward information and amounts should appear on the customer debit/credit entry pad at the store when a reward is available, and at that point we should be able to see the reward amount and authorize the payout of the reward on that store visit/transaction. To this date that functionality has never worked. 

We have relied on the XXXX store cashiers to let us know when a reward is available. We believe that many of the cashiers did not offer the rewards because they were not trained correctly. To this day, many of the store cashiers STILL do not know how to apply a reward. 

We 'd like a full accounting of rewards earned and any rewards still due since the card was issued. We have spent countless hours of frustration on the phone and in person trying to resolve these issues. 

Direct Deposit Problems : XX/XX/XXXX Direct Deposit Problems : XXXX different direct deposits were not serviced correctly. I spoke with customer service representatives on several occasions between XX/XX/XXXX and XX/XX/XXXX. Each customer service representative we spoke with could offer no reason as to why the direct deposits were failing or give a solution to resolve the problem. Each representative also promised a return call from a specialist within XXXX hours. Our calls were never returned. 

Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$740.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$710.00} - FailedInitiation Date : XX/XX/XXXX - Trace ID XXXX - {$2400.00} - Succeeded. Previous failed deposits, along with a current deposit were combined and finally deposited successfully. 

XX/XX/XXXX Direct Deposit Problems : Deposit Details : Initiation Date : XX/XX/XXXX - Trace ID XXXX - {$770.00} - FailedWe have never had any direct deposits fail XX/XX/XXXX. I 'd like to know the reason why these direct deposits XX/XX/XXXX are failing and how to prevent it in the future. We need to be assured the problem does not happen again. Also, the customer service response is horrible. Not one time have our calls ever been returned concerning any problem by a specialist as promised.
I have XXXX hard inquiries on my credit report from XXXX XXXX in the same week. I did not authorize the inquiries and I have communicated this to them on two separate occasions and they will not remove them. The inquiries we made by a third party vendor contracted to XXXX XXXX. I have a fraud alert on my credit report and I did not follow through and give them permission to retrieve the information. The inquiries are listed on Equifax
XX/XX/19 received robocall at my place of employment at approx. XXXX from XXXX at Pendleton Capital Management . Receptionist only recorded the company name and number.
On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX 0f XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.
My name is  XXXX   XXXX  and i have been trying to work with my lende r Select Portfolio Servicing to obtain an affordable modification payment for my property and have constantly gotten the run around and now i am in further in default and  afraid to loose my house. I was approved for a forbearance plan which double my mortgage payments, I believe my Home Owne rBill Of Rights have been violated by my lender as I have not had contact with my single point of contact. Additionally every time I call I always get a different story from different people.
TransUnion is reporting XX/XX/XXXX and XX/XX/XXXX late and attached is the XXXX letter showing I was in Forebearance during that time and before that time. Also attached is payment I made which further invalidates the late entries. This is incorrect, illegal and a violation of the fair credit reporting act.
Debt was medical, but I have full health insurance to this day and can prove, but refuse to take off my credit!!!
There is an inquiry on my credit report from capital one, I do not have a capital one credit card, nor have I ever applied for a capital one account of any sort. I just checked on my credit report and found this, the inquiry is on XX/XX/XXXX of 2017.
Received a letter claiming I owe debt on a Debt that was paid in full more than ten years ago. Called Convergent Outsourcing Inc to dispute the debt informed them that it was paid in full over 10 yrs ago. Later received another letter requesting information to complete the their investigation. As of now my bank I was unable to pull up my bank history due to the age of the acct. I feel that the original lender XXXX sold a debt that was already paid.
This account should not be on my credit report. Medical charges has been processed by my Medical Insurance. I have no regulation of this account. No XXXX Services. As a result, I have been gravely affected and my credit score is suffering. as a result of this account. There was no warning ever given, which is a violation of consumers rights. I am requesting that the charge be removed. 
XXXX {$260.00}
I got several issues going on with Transunion, My scores went down dramatically for NO REASON- I was added as an authorized user to my moms credit card, 2 XXXX XXXX XXXX XXXX credit card in which she has good history, never late, etc, instead of my credit increasing AT ALL!!! it keeps going down daily, and i don't know why! I need my scores to be updated right away! 

Also, there are several inquiries in my credit report that I did not authorized and I am SURE this is due to some data breach, and I am going to file a lawsuit if this is not resolved right away!! I do not want to receive a response stating the inquiries are valid because they are not, I am 100 % sure this is due to a data breach or something transunion is doing wrong. I need inquiries to be deleted right away! 
The inquiries in question are : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I have been in contact with Navient and Sallie Mae concerning my student loans however just fail to inform me on the repayment options. Basically they kept demanding what amount I should be paying a month.