WillisBack/dataset-financial-user-claim huggingface dataset:
This account shows no balance. This account was included in bankruptcy. The company still reports it to XXXX as an OPEN collection account. I have tried numerous times to get them to correct this with no luck.
I bank at Chase and I am a small business owner. For the past 3 months, I have been trying to stop unauthorized withdrawals from my banking account. This endeavor has taken at least 10 hours of my time and I am still missing {$2200.00} from an unauthorized payment. Each time I call Chase, I speak to a different person and it takes upwards of 30 minutes for them to understand the situation. On top of that, there is always a different resolution, and Chase 's multiple back offices ca n't see notations from other offices. Chase has now withdrawn and put back in {$2200.00} into my account now 4x. I was told this issue was resolved multiple times, and then the funds are withdrawn without even a notification as to why they are taken out. I am still out this amount of money. 

On XX/XX/XXXX, a merchant that I am no longer doing business with, withdrew {$2200.00} from my account. I immediately called Chase and they were able to stop this payment, and I paid {$30.00} to block this merchant. 


On XX/XX/XXXX, the same merchant came back and withdrew {$2200.00} from my account. This time, the merchant withdrew funds under a different name. I immediately called Chase, and XXXX ( spelling? ) in the phone banking division said she would stop the funds from going out, but she did not follow the proper protocol. I was told that the funds would be back in the account in 1-2 business days. 
On XX/XX/XXXX, there were still no funds in my account, and I called back to inform Chase. It was at this point, that a " claim '' was filed. However, in multiple discussions with Chase, I was told this claim needed to be filed within 24 hours. XXXX ( who I spoke with on XX/XX/XXXX ) did not follow proper procedure when I initially called. 

After my call on XX/XX/XXXX, Chase temporarily put the funds back in my account, but then withdrew them a few weeks later on XX/XX/XXXX, claiming i had not filed the proper procedure to file a claim. 

On XX/XX/XXXX, I spoke with " XXXX '', senior specialist in claims and he agreed that " XXXX '' did not file proper procedure. He told me they need to contact her call center and refund me the {$2200.00}. 

Then the executive office got involved, who acknowledge that I called and spoke to someone within the necessary 24 hours but that call can no longer be listened to after 30 days. I did not call Chase customer service to chit-chat, I called to stop the fraud in my account. This has been twice escalated to the " executive office '' in Chase with the same negative result. 

I should not be a victim of Chase 's inability to follow procedure. Please help.
These debt collectors are calling pertaining a bill from XXXX hospital that I have spoken to them and explained that the bill XXXX that I had back in 2014. I told them that I was filing the State Compensation, XXXX, I should not be held liable to pay this money. First Point Collections has been calling me incessantly on my cell phone, and now today they called me on my work line. I never gave them consent to call me on my work phone number and I do not appreciate such calls harrassing me about payment XXXX.
I was never contacted about this debt, I didnt receive a phone call, letter, or anything regarding this debt. It is now reporting on my credit repor. I would like an opportunity to review the debt and pay it immediately if so without it damaging my credit since there was no knowledge.
On XXXX XXXX, 2015, I submitted applications to XXXX, XXXX and XXXX ( collectively " The Agencies '' ) and obtained reports from XXXX and XXXX. 
Within the XXXX reports I received, are tradelines from SYNCHRONY BANK ( SYNCB ). On XXXX XXXX, 2015, I sent to SYNCB via certified mail, return receipt a Request for Validation ( Request ) for the alleged debt SYNCB has reported to XXXX and XXXX, and possibly to XXXX. My Request to SYNCB was received on XXXX XXXX, 2015. 
In my Request to SYNCB, I requested specific documentation be provided to me within XXXX calendar days. The documentation I requested would, if provided, prove : 1 ) the debt SYNCB has alleged I owe, is indeed valid : and, 2 ) I legally owe said debt to SYNCB. However, if the documentation could not be provided, the lack thereof would serve to prove : 1 ) the debt SYNCB has alleged I owe is invalid ; and, 2 ) that I do not legally owe said debt to SYNCB. 
On XXXX XXXX, 2015, ( XXXX calendar days after XXXX XXXX, 2015 ), in response to SYNCB 's failure/refusal to respond to my Request, I sent a letter to SYNCB, via certified mail, return receipt. Therein that letter, I informed SYNCB that as a result of its failure or refusal to produce the required information and documentation needed in order to validate the alleged debt, same can not be considered as valid or legally enforceable by SYNCB, and, as such, SYNCB is required by law to contact " The Agencies '' so as to delete the tradeline associated with the alleged debt SYNCB claims I owe, but can not, or has refused to, validate. Also therein that same letter, I informed SYNCB that I would be sending to " The Agencies '' a copy of the Request. And on XXXX XXXX, 2015, I did send copies of the Request for Validation to " The Agencies. " In addition to the copies of the Request I contacted " The Agencies '' via telephone or online, reporting disputes to the tradeline associated with SYNCB. On XXXX XXXX, 2015, I contacted XXXX via telephone making a dispute therewith, against SYNCB. On XXXX XXXX, 2015, I made disputes with XXXX and XXXX against SYNCB via their online dispute submission form. To date, SYNCB has failed or is refusing to Validate the debt it claims I owe and which it is reporting to " The Agencies. '' The false and fraudulent reporting by SYNCB has possibly resulted in not only a loss of employment opportunities for me, but also loans which I have applied for in order to pay for college tuition. 
On XXXX XXXX, 2015, SYNCB sent to me a letter, stating it is unable to locate the account record with the same partial number that is being reported and displayed in the credit reports I received on XXXX XXXX, 2015. On XXXX XXXX, 2015, I responded to the aforementioned letter informing SYNCB the the " partial number '' is the number being reported and that I do not have, nor have I ever, held any account with SYNCB.
I disputed a bankruptcy and some credit card accounts. In XX/XX/2018. At the end of their investigation Trans Union Credit Bureau just stated that the Information was Updated. 

Results : Item ; Description ; Results ; CHAPTER XXXX BANKRUPTCY FILING Docket # XXXX INFORMATION UPDATED XXXX XXXX XXXX XXXX XXXX XXXX # XXXX INFORMATION UPDATED According to rules and regulations of the " FDCPA Section 807 ( 8 ) " the Credit Bureau must put a statement with these accounts to show that they were disputed by the consumer within 30 days. They did not do as required by the law. Trans Union Credit Bureau is in violation of the law.
For several months, a debt collection agency with caller ID ( XXXX ) XXXX and ( XXXX ) XXXX has been harassing me at my work number with constant calls over a debt collection for an employee that no longer works at my place of employment. Repeated notifications that the employee is no longer employed went unheeded.
DESIGNED RECEIVABLE SOLUTIONS has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe DESIGNED RECEIVABLE SOLUTIONS any alleged debt and would like them to provide proof of claim with authenticated verification. DESIGNED RECEIVABLE SOLUTIONS has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
My original home equity loan was with GMAC. Everything with them was perfect. GMAC sold the loan to Ocwen a few years ago. Ocwen handled the loan correctly at first, but for the past three months they have sent me monthly emails telling me that they have received my loan payment. I did n't request this, and I do n't need this, since I can tell from XXXX Ocwen 's website and from my checking account bank that the payment has been made. I would n't mind about the extra confirmation, except that Ocwen puts my full name, property address, and complete loan number in the unsecured email. I have called and emailed Ocwen several times, but the people I talk to do n't understand XXXX well enough to fix the problem. When they send me an email to discuss the problem, they put my full account number in it as well! The latest CSR told me to remove my email address from my profile, which is n't possible to do. 
Please, is there anything you can do to get Ocwen to stop sending secure account information in an email?
I had been current and on time making payments on my home mortgagefor almost XXXX years. My home was destroyed by fire and my homeownerpolicy paid the mortgage balance in full. However, all XXXX of my creditreports show no record of my ever having a mortgage and has resulted inmy not having a credit score. It is my understanding that positive inform-mation should be reported indefinitely or at least for XXXX years. Withoutthis information on my report I can not rebuild my home or make any typeof loan. I have disputed this matter with Transunion, but their only re-sponse was that the Mortgage Company had a some kind of signedagreement giving them permission to remove the positive credit informationfrom my report. I then requested that I be provided a copy of this agreementbased on the fact such an agreement does not exists. It has been over ayear now, and nothing has been done and I have had to basically start from \scratch rebuilding my credit which has caused a severe hardship on meand my family ;
There is a hard inquiry from XXXX XXXX for Utilities/Fuel and Telephone Companies on my TransUnion and XXXX credit reports. First, I have zero affiliation with XXXX XXXX in any capacity ; second, they are a telephone services company and NOT a utilities/fuel company. Both initiated an immediate red flag for me. The hard inquiry is negatively effecting my credit score. The inquiry was made on XX/XX/2018. This is all appearing on both my TransUnion and XXXX credit reports shown through the XXXX XXXX website. I have spoken with a representative at XXXX XXXX in the fraud department and confirmed the hard inquiry.
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, XXXX XXXX. ) is ( inaccurate ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF XX/XX/2011 ). I am requesting that the item be deleted ( or request another rapid score ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # 2, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible. Also the collection agency are still reporting payments late since 2011 until now.
We have been in our home since XXXX of XXXX. My husband became ill in the latter half of XXXX and was in XXXX status since XXXX XXXX which took a heavy toll on our household income. I began to contact then Greentree Servcing LLC as to our hardship and was given instruction on the paperwork needed to begin a file process of necessary documents. I obtained all documents asked for and submitted to Greentree Servcing LLC. 
Each time I was told I did not qualify for HAMP due to all documentation not in file which now left us behind on payment due to the fact we were told if our payments were current we would not qualify for HAMP. I was then told I could do a deferment but would no longer be able to pursue the HAMP for at least a year after the deferment. I was then asked to make a payment of roughly {$800.00} plus dollars of which I did and set up an additional payment for {$620.00} to be debited on XXXX XXXX, XXXX and I did that as well. 
Now Ditech has began calling continually saying I owe {$800.00} plus dollars in late fees. 
We have continued to struggle to work with Greentree ( Ditech ) to keep our home but to no resolution. Please point us in the proper direction we pray for relief to this matter. 

Thank You, XXXX and XXXX XXXX XXXX, XXXX
I purchased merchandises from XXXX with my Amazon credit card. The merchandises have been returned and I have receipt proving that they got them. I called them several times, I emailed all documents to ask them to stop billing me for the merchandises that got. But they s still and they even charging late fees.
I am requesting that Caliber validates this debt by providing a copy of the written instrument, endorsed, front and back, not a copy of an Assignment that was never ( as of today, XXXX XXXX, 2016 ) recorded in land records. This is my THIRD request to Caliber to validate this debt.
I am a victim of identity theft fraud. Police Report Number : XXXX. It was filed at XXXX Police Department on XXXX/XXXX/XXXX. Complaint with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX file number XXXX on XXXX/XXXX/XXXX. Online Complaint confirmation code is : # XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Please remove all hard inquiries from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, XXXX and Innovis. 

Thank you, XXXX/XXXX/XXXX
I have a home equity line of credit through Wells Fargo Bank. I got behind on my payments due to an imposed retirement from my job after 29-1/2 years. I am really surprised at how aggressive Wells Fargo  has been considering that they are a second lien ( I have a primary mortgage with  XXXX   XXXX   )  on a house that realtors tells us is already " underwater '', that is we already owe more on the house than what it 's worth on the market.  <P/> On  XXXX   XXXX  , 2017, Wells Fargo had  Substitute Trustee Sale of the property for $  XXXX . This is only a fraction of what the property is worth. We tried to p ay Wells Fargo our  delinquent payments, but they refused to accept.  <P/> There is something seriously predatory about this practice!
XXXX XXXX XXXX XXXX is not license in the state of Georgia but they or still reporting to credit report and attempting to collect a debt that is not mine and/or is a result of identity theft/fraud. On XX/XX/2018 i have mailed a fraud package to XXXX XXXX XXXX ( PRA ) showing that that account they are reporting and attempting to collect on is not and was not the account i held with XXXX. In this package were several bills i paid to, as while as a collection letter from another debt collector showing my account number, which does not match PRA. I have asked that they remove its listing from my credit report, as i have gone above and beyond to show that PRA reports is in error and inaccurate. I also provided a copy of the police report file showing that my identity was stolen and used in prior years. To date i have not heard back from PRA, but it reporting still remains on my credit report as a valid debt when it is not. XXXX   XXXX XXXX XXXX is not license in the state of Georgia.
XXXX XXXX, Legal Assistant and XXXX XXXX ( Legal Assistant ) to XXXX XXXX XXXX illegally reporting that XXXX XXXX XXXX ( XXXX, TX ) and / XXXX XXXX XXXX XXXX are creditors via a Texas Department of Public Safety letter. 

Neither XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, or Texas Department of Public Safety are lenders of money or insurance to me. None of the law firm 's lawyers and their insurance providers have represented me in any litigation and have never been hired by me for any attorney representation ; thus, should not be claiming to be creditors of any type on credit reports.
I have fallen into a financial hardship after my husband passed away, My income has fallen and i fell behind on my mortgage and have not been able to bring my account current, i have submitted a complete hardship/modification assistance package on XX/XX/2017 and SLS is refusing to review me for any sort of modification assistance, I dont know what to do and i am afraid of loosing my home. I called SLS after i submitted the file on XXXX and they confirmed me that they received my modification assistance package and they even requested additional documents to review my file. i have been following up with SLS every day after submission and they have stated that the modification is being reviewed. after a week of review SLS has led me to believe that i was being reviewed on XXXX SLS stated that they will not review me for a modification. For the past week I was informed that i was being reviewed by SLS now with only 9 days to the sell date of my property SLS wants to proceed with the foreclosure. SLS is doing everything possible to sell my home and not help me.
XX/XX/XXXX, my then wife and myself purchased our home. At the time, mortgage companies were mostly approving " interest-only '' mortgages. XX/XX/XXXX, my wife died from XXXX XXXX. I continued paying the mortgage until XX/XX/XXXX. I received a notice from the mortgage company that the " interest-only '' period ended and my mortgage would be doubled to include payment on the principal. My employer suddenly closed down. I applied for social security benefits from my deceased spouse. While everything was being processed, I contacted mortgage company and asked for a forbearance, I just needed a few months not to pay mortgage.I wanted the term extended to back end of mortgage term. I was ready to pay the new amount after the few month period. I was denied over and over again by the mortgage company. In addition, the mortgage company kept changing contact representatives. They also kept losing paperwork that I submitted per their request. On XX/XX/XXXX, I received a denial letter for my loan modification. Their treatment in my opinion has been unfair, unjust and illegal. I think that the original loan was PREDATORY. I am in the process of appealing the modification denial.
XXXX from XXXX XXXX XXXX is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.
ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), secti  on 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negativ  e information to the credit reporting agencies in connection with the aforementioned account  s may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1. ACCOUNT NAME   :  XXXX   XXXX   XXXX  #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2.  ACCOUNT NAME :  XXXX   XXXX   XXXX  #   XXXX  ,  XXXX ,  XXXX   XXXX   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.   3. ACCOUNT NAME :  XXXX  #  XXXX   ACC BAL  {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.
I seen this company on my credit report Acima and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
I-have-been-going-through-the-Loan-Modification/Partial-Claims-Process-for-3-years-now, and-U.S.Bank-Home-Mortgage-and-I-had-already-reached-an-agreement, I've-done-all-they've-asked-me-to-do-and-beyond-I-was-sent-the-same-agreement-3, if-not4-times-along-with-my-agreed-payment-of-XXXX-each-time-and-all-months-inbetween-and-now-U.S.Bank-Home-Mortgage-says-my-Mortgage-is-more-and-they-sent-me-the-wrong-paperwork?! -I-received-more-paperwork-in-the-mail-and-it's-the-same-paperwork-I-filled-out ( more-then-once ) -3-years-ago-when-I-started-the-whole-loan-modification-Partial-claims-process! -It-looks-like-the-Bank-wants-me-to-start-all-over.-We've-already-reached-an-agreement ( XXXXmonthly-and-HUD-took-over-my-deliquentcy-amount ) -U.S.Bank-Home-Mortgage-is-breaking-the-agreement.Please-review-attached-documents.
I had a mortgage account with StoneGate Mortgage # XXXX for a rental property at XXXX XXXX XXXX - XXXX, IL XXXX which was set up on auto payment. Our mailing/statement address was our office at XXXX XXXX XXXX XXXX, IL XXXX StoneGate had our correct email address, office and mobile phone numbers. Yesterday I noticed the auto payments stopped in XXXX 2016 for the mortgage payments. When I called StoneGate to find out why I learned my loan was transferred in XXXX to XXXX # XXXX and that as of today XXXX XXXX we owed 4 months worth of payments. I made the payments today, but very concerned my credit will now be negatively affected for this. Neither company informed us of the change by mail, email or phone. Not sure of our rights, but does not seem right. Thanks for your help.
Loan was paid off in 2006. Still appears unpaid. Account begins with XXXX. It was taken off my XXXX XXXX credit report however neither of the other credit bureaus