WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX my father called me stating he received a call that this XXXX person said they would be sending the police to his house. 

I called the number back and he stated he talked to me 8 weeks ago and that I said I am not paying, take me to court. 
This never happened. He then stated he knew where I worked, what my hours were and he was sending someone to my job. This was a statement made with no action in regards to collecting on the debt. Just that they would be sending someone out to by job for me. 

I spoke to someone maybe a year ago where they proceeded to tell me everything that was on my credit report and accost me about not paying my debts.
Santander!!!!!! My mother has been dealing with them for years and has XXXX cars through them right now XXXX is a XXXX ford focus and the other is a XXXX ford focus the XXXX I have personally been paying for almost four years now and she had this car five years before me and we are still paying for it so in all we both put together has paid for this car about 3 times when the car was originally only XXXX dollars as for the XXXX my mom has had this car for four years and again still paying for it the car was originally XXXX dollars now 4 years later the they saying she owes XXXX dollars!!!!!!! and no one can give a straight forward answer as to why just recently we spoke to someone on the phone and if I must say so myself ( I 'm usually not a complainer ) the WORST costumer service ever no one can give you a straight forward answer and of course every time you call your talking to someone new who all have different answers and I just do n't think a deferment here or there or late fees can first of all have you owing the same balance for four years and now owing XXXX dollars more and the car is no where near worth that much now and when you ask them to explain it seems like every one 's mind seriously goes completely blank not to mention they are some of the rudest people ever interest is added to every payment but when the car was first purchased they said that the reason the balance has n't started going down on the first couple statements was because we started off paying interest on the car so nothing has started going towards principle yet and now here we are XXXX four years later and we 're still paying interest something just does not add up with them this company seriously needs to be shut down so they can stop ripping people off also we XXXX have been to several different car dealerships and they have said the exact same thing about Santander that they are a BIG rip off and the will never allow Santander to finance any of there cars so in my opinion that says a lot
Contacted XXXX equifax and XXXX about a few inquiries that I did not authorize. Most came from when I purchased my car.But both of the companies told me to contact the companies individually, I have no relationship with any of these companies, and its their job to make sure everything on my report is correct and they have failed to do so even after I called to inform them.
I have noticed XXXX numerous times thru disputes that there are NO debts associated with my name. There was an XXXX debtor search certified from the Texas Secretary of State that there are " zero '' debts owed to any alleged creditor. XXXX is in violation of the FCRA ( XXXX XXXX XXXX ) and guilty of re-aging debt, re-insertion of unverified debt, and using copyrighted property. On XXXX XXXX, 2015 Report No. : XXXX confirmed with a hardcopy notice of the deletion of alleged creditor " DT CREDIT ''. It has been over 30 days and XXXX is n violation of XXXX XXXX XXXX XXXX Each at XXXX XXXX XXXX {>= $1,000,000} XXXX per violation per XXXX XXXX XXXX. XXXX. Without Prejudice. I have been damaged and negatively impacted by this negative line of credit remaining remaining my report.
On the end of XX/XX/XXXX I e-mailed XXXX XXXX XXXX company that the payment date is incorrect and would they up date it. I receive a note by e-mail saying they would check on it. 
In the end of XXXX it was still not corrected, XXXX XXXX  XXXX said they were having computer problems then and they would check on this. 
To THIS date and several e-mails to them again almost begging I have asked them to update the payment date. It shows " last payment made XX/XX/XXXX '' as of today 's date, XX/XX/XXXX. 
One lady said they can't do this, the credit agencies have to, when all three agencies said the mortgage company has to report last payment, that they were not allowed to change any dates without the mortgage company requesting this. 
XXXX XXXX XXXX company refuses to update my credit report all all three credit agencies, it is hurting my credit score. 
To ME, it is simple, but for some reason XXXX XXXX  XXXX won't do anything, can you help me?
Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per XXXX and XXXX and Experian the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017
I completed a fraud affidavit a couple of years ago regarding a XXXX bill that did not belong to me. 
I received a copy of my credit report and this company Diversified Consultants has a collection on my reports from XXXX. I contacted XXXX and was informed dispute with the bureaus as well as a file a complaint.
Equifax reinserted previously deleted information on my credit report. The following accounts was previously deleted from my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, MN Child Support Enforcement.
American Express incorrectly decreased my credit limit from {$10000.00} to {$9400.00}, I supplied my XXXX showing income of {$160000.00} in 2017. They increased my limits back to {$10000.00}. BUT XXXX  only acknowledging the decrease which in turn caused all other credit bureaus to report decreases, now my score is XXXX, I have no late payments to AMX and in being punished in my scores for their errors. XXXX is impossible to contact and im Really angry they are reporting inaccurate information. Their records do not show my incomes, so their ratios are wrong and Im a consumer that never just makes a minimum payment I have aged accounts and Im so upset they can just create their own version of the truth and I cant get them to even acknowledge their fraud much less correct. Im hoping I can report to XXXX  and OIG. Thanks XXXX XXXX XXXX
I had a judgement against me of XXXX dollars in XX/XX/XXXX, St. of N.J. that was paid.I have requested info from transworld systems via telephone on XXXX around noon with agent named XXXX.I requested : a copy of the original judgement, payment terms, proof of payment records, and payment history. XXXX said it would take around a month to gather this info and forward too me.Today is XXXX and I have not received any info.
This loan has been paid and is only due for XXXX however XXXX and XXXX reports a $ XXXX balance due and it should report a XXXX balance like XXXX . In addition to that XXXX reports the loan " Charged Off '' for XXXX and XXXX. All Credit Bureau reporting across all three credit bureaus are inaccurate. This loan has been taken care of with GAP and a XXXX payoff leaving me with a balance owed of XXXX, which will be taken care of on XXXX/XXXX/2015, all XXXX should report the updates!
Last week I received a cashier 's check ( issued from XXXX XXXX ' XXXX XXXX out of North Carolina ) in the amount of {$1800.00} as payment for some furniture I was selling. However, the furniture sale price was only {$140.00}. I did not know the person as I sold the couch via the XXXX mobile app. They informed me that they were out of town and buying the couch for a relative. I deposited the cashier 's check via Chase 's mobile app, but it was pending for a few days. I eventually called Chase and they contacted the credit union who issued the check. They confirmed the funds and released them to me and it posted to my account. I was then instructed to take the remaining {$1700.00} and deposit it into their XXXX XXXX XXXX account for the movers. I had the teller verify the account name and number beforehand. On Monday, XX/XX/17, the {$1800.00} had been returned as the check ended up being fraudulent. Therefore, I had {$1700.00} stolen from me. The name of the remitter on the check was XXXX XXXX XXXX. However, they went under two different names ( on the XXXX XXXX XXXX account and XXXX app ). I have already reached out to Chase, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX and have received no resolution. I also filed a police report with the XXXX County Sheriff 's office here in Florida. The case number is XXXX.
Describe what happened so we can understand the issue ... 

Equifax has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Alert ( s ) File Blocked For Promotional Purposes Fraud Alert File Blocked For Promotional Purposes File Blocked for Promotional Purposes Expiration Date : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Address : Phone : Phone : Phone : Comments :
Experian XXXX XXXX there has been no response from them sense I started disputing this 6 months ago .I have sent you Evidence that XXXX XXXX has no factual evidence that this account is mine or made by me it is a case of fraud in 2014enclosed is incoming and out going responses to this matter it is clearly visible that XXXX  XXXX refuse to respond and there is no evidence it was made by me.You Experian Keep claiming it has been up dated with the old information and you have not did an investigation as you claim has been done.You state if its not verified it is removed this is the EVIDENCE ENCLOSED ITS NOT MY ACCOUNT I never made it and it was fraud.Under the FCRA this should of been removed a long time ago. Please remove it Please do not send me one of your templet letters I want real investigation not old informtion thrown back at me.
On XX/XX/XXXX I tried to make an additional principal payment of XXXX. My mortgage allows curtailments and prepayments without a penalty. I was told by Wells Fargo representative on XX/XX/XXXX that I first have to make my regular payment first. I asked if I made a payment on XX/XX/XXXX whether my autopay for XX/XX/XXXX would still come out and I was told it would not. I made a regular monthly payment and an additional principal payment of XXXX on XX/XX/XXXX. The Wells Fargo representative was wrong and my regular payment was also taken by Wells Fargo autopay. My main concern is that the second payment also charged interest and escrow rather than being applied to principal in entirety. I object to paying duplicative interest and escrow payments in XX/XX/XXXX. I ask that my second XX/XX/XXXX payment be applied to principal. In addition. Due to wrong advice from WF representative and additional payment processed by WF one of my cc payments was rejected due to insufficient funds
bloomingdales XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
I recently went in to check my credit score and it appears that CBNA created an inquiry into my credit on XX/XX/16 without my consent.
I disputed this account with Commonwealth Financial Systems via certified return receipt letter ( attached ) on XXXX XXXX. The company has failed to verify the account belongs to me and I have no knowledge of this account. It has not been deleted from my credit reports.
XX/XX/XXXX - XX/XX/XXXX   {$10000.00}  XXXX   XXXX   XXXX  says I owe Dispute after dispute after dispute to no avail ...   Contacted t he Better Business Bureau a nd reported incident Reported t o The Attorney Generals Office  and told entire story Called  XXXX   XXXX . Talked to a representative that assured me this would be rectified and taken off my report, but failed to do so.
i have tried to dispute this account several times with this company and the response i get is this is a valid account, ,i have asked for this company to provide me a copy of the application showing my signature and i have also asked them to provide me with the method they used to verify my ldentity to open this account.
XXXX XXXX XXXX XXXX XXXX As stated on my letter XX/XX/2018 the refund has not been credit to my account as stated by Citi due to they sold it to a collection company. As stated we are issuing a full refund. statement credit of {$370.00} that has been applied to my account and will appear on my statement as stated by Citi as they sold it to a collection company that account needs to be bought back due to the fact that there was a dispute then when they had the account to there fee 's that they never took in to account.
On XX/XX/XXXX I submitted a dispute to Experian requesting an investigation into an inaccurate information being reported on my credit report. Bankruptcy ( public record : ref # XXXX filed on XX/XX/2008 don't belong in my credit report. 

I've noticed after doing some investigation the court information on this bankruptcy did not match my SSN and the responsibility party ( joint ) as stated in this Bankruptcy does not match my spouse 's name. The only thing matching is the name. 

On XX/XX/XXXX, Experian sent me an email stating their investigation did not fix the error on my credit report because XXXX and XXXX companies that reported the information to them was certified. No other explanation was given.
I recently began using the " snowball '' method to pay off my student loans. I have them on a Navient auto-payment plan that takes {$360.00} per month from my account, and I have been making " extra '' payments for about 6 months. Today I realized that the extra payments I have been making are being allocated toward interest. I did not realize this was happening and called to find out how to avoid this. I explained the situation to the representative and had to ask her 3 times how to avoid this because she did n't want to answer my question. On the third time she tried evade my question, I told her I work in finance and do n't need her to give me a lesson on how payment allocation works, I just want to know how to send an extra payment toward principle only and finally she told me that when making a payment through their website as I had been, you ca n't select a principal only payment and that I would have to either send a check with written instructions for principal payment only or call them when I want to make a principal only payment. This is not clear and though I should have checked on this sooner, I think it is a terrible business practice to impose on student loan borrowers trying to make extra payments to get out of debt. I think the rep was deliberately trying to avoid giving me an answer to the question of how to make a principal only payment as it took me asking the exact same question multiple times to get an answer. I was not able to find ( though it may exist ) any information about this in their help section which is what prompted my call. 

Their system needs to either let the borrower make principal only payments or clearly state how the payment is being broken down when processed manually through their system, upon processing or in the confirmation email. Further, reps should not avoid answering the borrowers questions.
I 'm an XXXX. I purchased a brand new 2014 XXXX XXXX from a dealership on XXXX 2014. I did not know I was getting tricked into signing a contract for 73 months for a monthly payment of XXXX which Equals XXXX plus a down payment of XXXX that I had upfront during the purchase of the car which adds up to XXXX. My car is in excellent condition and only has about XXXX miles on it. The blue XXXX worth is XXXX and at the dealership the sticker price was XXXX. I have paid all my payments every month. I spoke to a finicial counseler and made it clear I was taken advantage of simply because I was a XXXX. The dealership even knew how much I made as an XXXX. I will be paying over XXXX when I 'm done paying this car. I have a family of XXXX that I need to support and this unfair and unjust. I did n't knew what I was going to pay over XXXX what the vehicle is worth. They never explained none of the APR % or how much I 'd end up losing and I fell really taken advantage off. I 've been XXXX for over 5 years, executed XXXX in order for businesses to sell their product in our great crountry. When I return home I get taken advantage of with no mercy. If this has been done to me I wonder how many other service and non service members they have gotten. I wish for my payment to be lower as well as the total of the vehicle. The dealers sales men never shared the information of the deal they made with the finiacial company that gave the loan nor explained why I had to pay XXXX for 73 months. I want to dispute this. This always happens simply because I am a XXXX member, and I live near a base so all these businesses set up and sell their products advertising " we do military finiance '' they reel us in like fishes. This is an outrage. Will you be able to help?
Back in XX/XX/XXXX of last year XX/XX/2018 I cancelled my service with XXXX. I cancelled the service with being about 2 days into the billing cycle for that month. I told the rep I would pay for the service I used but that's it. They claimed they couldn't do anything about it until the bill generated. I filed a dispute with them immediately. I was told I didn't need to call in anymore and they would give me a call to discuss the situation. XXXX rolls around and I am moving out of my apartment and at the same time suffering with XXXX XXXX  and having a XXXX  XXXX that failed removed. I started to get bills in the mail for around {$170.00}. Not only is that amount wrong but its significantly higher than what I should owe which is around $ 3-5 $ for two days of service and the company didn't follow proper protocol to dispute my case with ME ACTUALLY BEING INVOLVED AND AWARE OF WHAT IS GOING ON. They made a decision without informing me of anything and submitted me to collections. They never even sent me any documentation stating how they came to their conclusion. By the time I found out I was already in collections. I paid my bill a month in advance for over a year so not only did they take the credit on file. They charged me an additional {$170.00} or so over. I called back in and was told nobody could help me at the moment as the dispute was still being looked over. In XXXX ( which was plenty of time ) I get a letter from a collection company saying that my account was turned over to them. What I did not receive was ANY documentation saying how they came to this conclusion and NO phone call from anyone to discuss the situation. I called in again and XXXX told me they couldn't do anything about it since it was put into collections but that is not good enough. That is a sorry excuse for their actions and they must pay for it. They even tried to justify charging me extra stated since I cancelled my service early their was a early termination fee. Well the only problem with that is I WAS NEVER ON A PLAN. I WAS MONTH TO MONTH!!
PORTFOLIO RC FOR THE AMOUNT OF {$970.00} that was reported on XX/XX/2015  and is continuing to be reported. I have contacted the credit bureaus to validate the charges as a result of me not having a signed contract with the company. However, the item is still on my credit report. I would like to have this removed as a result of it not being my debt.
My XXXX XXXX XXXX account has not been corrected to reflect. Paid in full, never Late, Not part of a chapter 13 or payment plan. Or wage earner plan. I have contacted XXXX XXXX again and was given a XX/XX/2018 XXXX # XXXX. This error was suppose to be fixed and never was. Can someone do their job correctly and fix this mistake once and for all. their should not be any negative marks on this account Pretty please with sugar on top. Thanks XXXX XXXX
I was approved for HAMP on my XXXX mortgage over a year ago. XXXX of my mortgages ( XXXX and XXXX ) are serviced by Bank of America. After completing my XXXX mortgage modification under the HAMP program, my point of contact told me I would then be submitted for the HAMP XXXX program for my XXXX mortgage. It has been over a year now that I have been submitting paperwork for my XXXX mortgage. Bank of America kept sending me confusing paperwork that said " Thank you for applying for assistance on your mortgage '' however, it had my XXXX mortgage loan number on it. They could not get it straight that I was applying for my XXXX mortgage. I finally had to hire an attorney who has been working on trying to get Bank of America to recognize we are not applying for a modification on my XXXX mortgage again. We are applying for the XXXX mortgage. For the past year the only response I have received from Bank of America are denials and now something called an " Extension Program ''. My attorney said they have never heard of this program. We have looked it up online and there is nothing regarding this program. My attorney has been calling Bank of America now for several months asking for an explanation of this program and no one at Bank of America can explain what it is. Today is the XXXX time my attorney has set up an appointment with the person assigned to this mortgage and they never call. The only explanation in the past that was ever given to me regarding this program is that " I just need to make the trial payments and take the offer ''. How can I take an offer for something that NO ONE knows what it is??? This is unreasonable and I am not willing to agree to something that has no explanation. I also do not understand how I can be approved for HAMP on my XXXX mortgage and then not qualify for HAMP XXXX on my XXXX mortgage.