WillisBack/dataset-financial-user-claim huggingface dataset:
After I obtained my Mortgage with Caliber Home Loans I filled out an application to withdraw my payment on a certain day of the month. My first application I filled out was for the XXXX of the month because that's when I got paid. It was approved, however, they started to automatically withdraw a couple of days before the XXXX of each month. In XX/XX/2018 I contacted my loan processor XXXX to which she suggested that since my check didn't come in to my bank until the XXXX, to redo the application to reflect the XXXX of each month. The Mortgage company approved the payment deduction to reflect a XXXX date of the XXXX of each month. In XX/XX/XXXX I contacted my loan processor again and at that time, she contacted Caliber to which they replied that there was nothing wrong on their end and suggested that I contact my financial institution. I called my bank and the CFO to ask the procedure to which she replied that they do NOT take out payments early, they take them out when the debit it submitted. Since XX/XX/XXXX, Caliber has taken my payment early and I cant seem to get a response to find out why, although they did call me to talk about refi programs. I do not understand if you give someone the option to make a payment on a certain date then take it out as you please then why offer it in the first place. When it comes time to refi, I may have to question whether or not I will go with a company that wont stand by what they offer.
I received a voicemail on Monday XX/XX/XXXX from an " XXXX '' claiming that I had 2 civil complaints against me and that I would be served papers that week. I called the number she left in the voicemail and reached CRS and XXXX. XXXX XXXX took the call. He stated the call was being recorded and to let him finish before speaking or asking questions. He said that I owed a debt from XX/XX/2005 from XXXX XXXX  and that I would be receiving a court summons regarding a theft and fraud investigation. He claimed that I had 3 options : 1 ) To go to court and be responsible for the judgment and court costs 2 ) make payments or 3 ) pay off at a discount and avoid the court. The call occurred during my work shift and created unnecessary panic and anxiety. I gave my debit card number to avoid a court record and was sent and email to sign papers to authorize payment. After the call ended and I calmed down, I performed research on CRS and associated and found many reports of scamming and predatory tactics to collect old debt. I called the court system in my local county as  well as XXXX XXXX and had enough information that this was not legitimate. On XX/XX/XXXX, CRS withdrew {$490.00} without my signed authorization. I called Mr. XXXX to confront him with the situation and call him out with the information I had obtained. He continued to dispute the information XXXX XXXX ( the institution where the debt is owed ) gave me before cutting me off and asking what I wanted. I stated that I want the funds returned to my bank account since I did not sign the papers authorizing them to withdraw. He was going to hang up on me before I could ask when the money would be deposited. He stated today ( XX/XX/XXXX ). I called XXXX XXXX  to confirm the original information I received. I called Mr. XXXX back and stated once again the facts and called him out on the lies. He said " the money had already been refunded and to stop calling. '' He hung up on me. The funds were not returned.
Chase is inaccurately reporting the status of my auto loan. They have misrepresented my payment history to the credit reporting agencies, after promising to correct it and are trying to collect payments I 've already made. I 've attached proof of payment, and a recorded phone call and proof of my claims.
On XX/XX/XXXX at exactly XXXX, I received a call from a company called XXXX, XXXX XXXX. Called was not answered so there was a voicemail left was from an unknown number and the number I obtained to contact the the XXXX XXXX XXXX back was XXXX. They referenced a case number of XXXX. The voicemail stated that there was a civil complaint that had been filed against me. I contacted the phone number left for me to call back at XXXX. I gave the case number and was transfered to an XXXX XXXX who notified me the complaint was from US Bank for a debt that I owed. 

US Bank was just sued in XX/XX/XXXX for improper posting of debit card transactions before deposits causing customers accounts to be overdrawn and a series of overdraft charges to be charge to consumer accounts. Which is how I came to have a debt US bank. With the XXXX Law suit US bank now has a settlement of XXXX for people in most states and based on the year that you had an account with them.. My account with US bank was through from XX/XX/XXXX-XX/XX/XXXX and for the state of colorado concerning the settlement I am elgible to be paid back for for the debt was supposedly owed by me. 

This company XXXX XXXX XXXX verified all my information which they more than likely received from public or social as they are a predatory collection company and they have complaints and are all over the internet as scammer. I did not give them infomation. They stated they would file a lien against my XXXX ford Taurus and try to sell the vehicle and was they were not able to recover from the sale of the vehicle they would then garnish my wages. I live in the state of Colorado and the statue of limitations is 6 years for debt. This group I believe is hoping to serve me with papers and hope that I do not show up so I an get a default judgement against me and then try to garnish my wages. But knowing what I know and what they do n't i am willing to got to court as i advised them
My elderly mother received a letter in the mail from XXXX XXXX XXXX XXXX about a debt that she didn't even know was for. They never told her what exactly it was for when they called several times. She went to the ER a few nights later and spent 3 nights in ICU ( its on record ) and she got home and they still kept calling her. She told them she was in the hospital and they didn't seem to care. They wanted their payment immediately and insisted she give them her routing and checking number. I feel like we should have rights to stop them from bothering while in such poor health.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX 6. Credit Limit is {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX 8. Account Status on XXXX is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : Equifax dispute - XX/XX/XXXX, Experian Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
The Hamilton Law Association, P.A. in Florida has on several occasions called me attempting to collect a debt I do not owe. They are looking for a woman I do not know ( I am a XXXX ). I 've told them they have a wrong number and asked them twice on the phone to stop calling me. I also just sent them an online request to cease calling me. 

Their latest call was today XXXX XXXX/XXXX/XXXX XXXX, but I recognized the number ( XXXX ) and ignored it.
Amsher Credit Collection Agency is still reporting my childs hospital bill as open and this was discharged in 2015 in Chapter XXXX.
My loan transferred from XXXX to Navient in XXXX. Upon the transfer, I looked at the Navient website to make sure the details were accurate. The loan amount and the projected last payment date were incorrect. I contacted Navient to have them conduct a review of my account. They sent a document that would not be discernible to anyone. It did not answer my question. 

I called Navient on X/X/17 to gain an understanding of what was happening on the account. The Representative advised me that the date was correct. I asked for proof of the date being correct. She informed me that no one was going to send me a spreadsheet of the payment schedule. By Navient 's calculations, I currently owe approximately {$17000.00}. By their payment calculation date, I would be paying back {$63000.00} on a loan of $ XXXX - that is {$44000.00} in interest!! I was told a different payoff date from XXXX. They communicated that I would be completed my student loan in XXXX. 

Navient refused to help me. They insisted that their calculations were correct. They would not conduct a review of the account. Even when I explained that $ XXXX  in interest is outrageous and makes no sense from a mathematical perspective, I still received the answer no one is going to assist me. 

Please help me with making this company acquiesce to a reasonable request, and review my account mathematically - not just because their system says so. Technology and Systems can be wrong and have bugs. I believe they are overcharging me and they refuse to help explain it. 

Thanks, XXXX Thanks, XXXX
This company is calling me threatening to contact my employer they are also calling my family leaving voicemails saying they have my # SS number and they will follow nd me and I cant hide. They have been asked to stop the calls but will not. They will not disclose who they are the only reason I found out is because I had been making payments with h them but I felt like Im paying money that I dont owe. The amount it more than the original loan considering I already made payments on the account. I told them I was having financial hardship and could not afford the payments but they continue to harass me
XXXX XXXX calls on all hours of the day and night including weekends which started about two months ago from various phone numbers e.g. XXXX ; XXXX ; XXXX ; XXXX ; XXXX. But recently it's more so than usual meaning everyday including weekends and the past two days left a voicemail message from two different persons - XXXX and XXXX XXXX - Demanding to call them back at XXXX ext XXXX. 
The voicemail message left on my phone today demanding I call them back and give them my attorney 's name and number, and if I don't have an attorney it would be to my best interest to call her back. I urge to contact her today. choose not to respond i have no choice may proceed to next step which will impact you. 
It is very frustrating as now they are calling my kids, my work, my Mom, my siblings and their spouses to name a few. This is beyond harrassment.
To whom it may concern my name is XXXX XXXX.My complaint is about being denied for personal loan in the amont of $ XXXX.From a company called LendingPoint .Date of the loan application XX/XX/2018.I sent personal information such as copies of my drivers license,2 months of bank statements, verification of employment and income and a voided check.This company told me there was and error on appication for my income which is {$36000.00} a year they told me that I needed an income of {$400000.00} a year to be considered for a loan for {$4000.00} at 2 year payment term.This company was inquire to me through XXXX for credit repair and debt consolidation. My credit score has dropped 50 points since this application process.I feel that this may possibly credit discrimination against myself.Date denied XX/XX/2018 no copy credit or income disclousure.My lending contact name was XXXX XXXX for Lendingpoint. Phone # XXXXXXXX.Thankyou sincerally XXXX XXXX
I purchased vitamins from XXXX XXXX XXXX for XXXX which I authorized on XXXX XXXX XXXX. 2 Weeks Later on XX/XX/XXXX they charged my debit card XXXX which I did not authorize. I have talked to my bank ( Chase ) and this Company because this was a mistake. I could not get help from either.
I have been called twice to my knowledge from phone number XXXX and it is a recording from XXXX XXXX stating " federal law designates this matter '' stating failure to respond. She said the company is Direct Recovery Services. I am consistently checking my credit report and I am aware of any accounts I have in collection and with whom they are with. There is no DRS listed. They have started calling previous friends and co-workers. This is extremely aggravating and embarrassing for friends and co-workers to deal with. I have no idea how they are getting their numbers especially since I have n't spoken to the previous friends or co-workers in approx. 3 years.
I signed up for this service and was unsatisfied with it. Within the contract it clearly stated that I had 30 days to keep the service or cancel and return the box and remote. After one week of service, I was not satisfied with it and returned to my previous television provider and had a box sent to me to return the equipment. I have made several attempts to resolve this, however, the company is charging me for service that I did not have for more than a week.
Saturday,XX/XX/XXXX I called American Express Bluebird regarding fraudulent charges on my pre-paid card. The representative entered a dispute for the following charges : Transaction XXXX Amount {$8.00} TransactionDateXX/XX/XXXX Transaction atXXXX/BILL XXXX/BILL Amount {$36.00} TransactionDateXX/XX/XXXX Transaction atXXXX XXXX PMTS Amount {$21.00} TransactionDateXX/XX/XXXX Disputed Transaction Details : Transaction atXXXX*XXXX Amount {$15.00} TransactionDateXX/XX/XXXXDisputed Transaction Details : Transaction atXXXX*XXXX Amount {$24.00} TransactionDateXX/XX/XXXX There were other disputes however, the representative stated I would receive dispute forms to complete via the email address on file with American Express Bluebird and I would need to list all disputed charges and either fax or mail the forms back to American Express Bluebird for processing .
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The compromised card was cancelled and a replacement was issued- I expressed concern about my payroll direct deposit but, was reassured the payment would go onto the new card with no problems so, there was no need in changing anything with my employer.
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I have never received any dispute forms but, on Wednesday, XX/XX/XXXX, I did receive an email from American Expreas stating my disputes had been denied. Later, the same day, I received another email stating my account had been suspended. I am now unable to access the account online to view transactions or statements.
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I called American Express and was informed my disputes were denied because they determined the charges were valid and because of that my account was suspended. She also stated my direct deposit would be rejected and sent back to my employer because of the suspension. She denied my request for access to my transaction history as well.
My information has been breached with Equifax and my identity has been stolen. I have tried to file a dispute on Equifax website but was unsuccessful because it won't allow it and through mail with no responses. then I was getting spam email repeatedly with different confirmation numbers saying my dispute was completed when I wasn't able to file a dispute in the first place. Everytime I tried to check the results I would answer all the verification questions correctly but the screen would blank out after like someone was hacking and stealing my information on my credit. ( I attached all the fake emails I received from them ). I logged onto XXXX XXXX only to see inquiries that do not belong to me. I see them listed on XXXX as well. 

XXXX XXXX - XX/XX/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 XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
I work for a XXXX as a XXXX. Over the past year, colleagues have received messages, ostensibly intended for me, at various numbers throughout the department. The messages are rapidly spoken, and a phone number is left. When I have attempted to contact someone at that number, a representative insists that I confirm my social security number before they will release information. Naturally, I refuse to disclose any personal information until they inform me of the reason for the phone call. The only response I 've been given is that the call is in reference to a " personal business matter ''. I refuse to provide these scammers my personal information and having them contact various colleagues throughout my department is highly embarrassing.
My husband and I have gone to XXXX and are leasing a vehicle, due to my husbands declining health he has been hospitalized and placed in rehabilitation several times. This time is for falling and breaking a hip. As you know hes income is our household income and this has changed, for his medical care. I receive social security once a month and its only enough to pay some of the household bills. Bridgecrest has denied lowering our payment on several occassions, they have stated they cant do it, but their a finance company. We just dont understand this. We would greatly appreciate it if someone could give us more information on what or who we can reach to help us out with this. 
Thank you
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  ,  XXXX , Transunion,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
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 XXXX  1.   XXXX   XXXX     XXXX   accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
I applied for business finance with a company for a {$30000.00} loan. They applied to multiple other companies without my consent and 11 inquiries were placed on my credit report. I communicated with the companies in question and requested a letter of deletion and receieved nothing. I also called the consumer services of the credit bureaus and I was told that the inquiries were matter of fact and that anyone with a reason can check my credit even if I have a standing security freeze on my reports. the following inquiries are listed below : XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017  XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017  XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017  XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXXXX/XX/2017 XXXX XXXX XXXX XXXX XXXXXX/XX/2017 XXXX XXXXXX/XX/2017 XXXX XXXX XXXXXX/XX/2017 XXXX XXXX XXXX XXXXXXXX  XXXX XXXXXX/XX/2017 XXXXXX/XX/2017
Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. XXXX Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.
on XXXX/XXXX/XXXX I received an attempt to collect a Debt in the amount of {$1500.00} in Towing services from XXXX XXXX XXXX for a Vehicle that I sold XXXX/XXXX/XXXX.
XX/XX/18 : Certified letter was mailed to collection reporting agency, and delivered on XX/XX/18. 
The letter is a formal dispute of debt and written validation of debt was requested. 

XX/XX/18 : XXXX XXXX, LVNV funding LLC representative confirmed letter was received and filed on XX/XX/18, documentation was requested. 
Represented stated this account didn't have to be flagged as being disputed. 

To date, none of the credit bureaus have been notified of a debt dispute or investigation.
I did not apply for any new credit or a cell phone account and have a new HARD INQUIRY from XXXX XXXX XXXX on my Equifax report. Please investigate. Thank you SO much!
On XX/XX/18, I reviewed my credit report, and noticed two inaccurate accounts.

1. XXXX ; this account is too old to remain on my credit report. 
2. XXXX XXXX ; This account is too old to remain on my credit report.

According to the fair credit reporting act, inactive accounts may not remain on a consumers credit report for more than seven years. Both of these accounts are older than seven years and should be deleted.
Regions Bank close out my account with out my permission, It was a loan on my saving account, my money, I was paying a note each month, upon closing the account they did n't return the money I paid back into the loan, all I want is what is owed to me, .Loan account number is XXXX, it was paid in full and the bank is still asking for more money.please check into this, It 's really sad when your Bank steal from you.Regions Bank in XXXX XXXX , Mississippi . On XXXX XXXX