WillisBack/dataset-financial-user-claim huggingface dataset:
I discovered in XX/XX/2017 that I had two accounts incorrectly reporting on my Chexsystems report. I immediately contacted Chexsystems and was told that they needed verification of my social security number. I sent a copy of my social security card, yet received a letter that they needed something from the social security office ( other than my card ) showing my social security number. I was able to obtain the requested document from the XXXX, SC Social Security office and submitted the requested document. I had received a corrected report with no information reported, only to later find out that Chexsystems had added an account from XXXX XXXX XXXX with someone having my name, yet a different social security number, address, etc ... I subsequently received a new Chexsystems report showing this account and also an inquiry from a company called XXXX. In addition, Chexsystems sent me bank statements and copies of signed checks from this person 's account. 

I once again contacted Chexsystems and was told to contact XXXX XXXX XXXX and XXXX regarding these accounts. Neither XXXX XXXX XXXX  nor XXXX could discuss these with me due to the fact that these are not my accounts ( I provided my information which was not the information of these accounts on my Chexsystems report ). I was sent an Identity Theft affidavit, but this is not a case of ID theft. The information from XXXX XXXX XXXX and XXXX doesn't match mine. I am sure that these companies are reporting correct information, yet Chexsystems has mixed my file with someone else 's. 

After yet another call to Chexsystems, XXXX told me that I needed to obtain a police report for them to further look into this. I explained to her that these accounts are from a different ssn and address ( which I never have lived ) and asked her what would be the basis to file a police report ). I did in fact take this information to the police department and they said ( confirming exactly what I told XXXX with Chexsystems ) that this is not a case of Identity Theft, only an error with my Chexsystems file. 

I have made every attempt to resolve this in a professional manner, supplying the requested information, yet Chexsystems refuses to correct this issue ( which they have acknowledged ).
Bank of America ( XXXX ) insurance company for BOA has duplicated a claim and has left the status as open when it 's closed and has been closed since XXXX 2012, there was only XXXX claim at this time ( XX/XX/XXXX ) this is an attempt to force me to pay higher premiums for home owners insurance with them, I am not able to get a decent rate anywhere with the duplicate, open claim that ( XXXX ) has on my record. I have spoken to numerous of agents with XXXX and I was told that it 's closed, not duplicated and it still shows on my record. PLEASE HELP.
I am receiving threats and intimidation from NAVIENT, saying that I am 120 days delinquent when in fact I have already paid off the loan ( s ).

NAVIENT, cashed my checks which covered the balance of the loan ( s ) on these dates : XX/XX/2018 CHECK XXXX Check Paid # XXXX {$630.00} XX/XX/2018 CHECK XXXX Check Paid # XXXX {$280.00} Further, NAVIENT is very abusive in that they try to force you to speak with an automated voice robot and will hang up on you if you refuse, which does not solve any issue, it only creates others. This is a very poor communicating company and they are falsifying records
I have an auto loan with Gateway One. Recently they 've been calling to collect on a past-due payment. They called multiple times a day and then they showed up to my mailing address and gave a collection letter to the person that answered the door and told them they had to open it and read. I have verification of that. Then they started calling people and telling them that they were looking for my car. If you can give me an email address I can send you copies of interactions with people that they spoken to where, they say they will rude and nasty..
XXXX   XXXX   XXXX      - Notified by  XXXX  that someone had tried to open an account fraudulently     XXXX   XXXX   XXXX     -  XXXX  did  a 3-way  call with Comenity Bank,  XXXX , and Me to have this removed    XXXX   XXXX   XXXX    - Comenity Bank stated they would contact the credit bureau and have the hard inquiry remov ed   XXXX   XXXX   XXXX   -  Received a letter from Comenity Bank stating to give it 45 days to have the inquiry removed Contacted  XXXX  4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today ,   XXXX   XXXX   XXXX      it has now been 63 days since this happened.
Arrowhead advance got paid XXXX for a XXXX dollar loan I offered to pay them the balance of XXXX dollars due. Today they debuted my debit card for XXXX so they have gotten paid XXXX the XXXX loan is illegal in my state of California.mi emailed the, weeks ago and they acknowledge my revocation to stop all ach and debit card transaction yet today they debited my account. These types of loans are illegal in my state and yet they still debited my account. I have disputed the charge with XXXX XXXX.
In XXXX 2015 I hit a 6 year HAMP anniversary and was entitled to a {$5000.00} incentive. Ditech purchased this account in XXXX of 2015 from XXXX. Ditech refused for months to acknowledge that the loan had hit it 's 6th year anniversary. Eventually they agreed but then said they were waiting for the funds. I complained several months ago to this board and you closed it out when they said they were still working on it. It 's now several months later and almost a year beyond the point when I should have received this credit. Please help!!!
Around XX/XX/XXXX, I disputed a collection on my Transunion credit report from XXXX XXXX XXXX. I requested an investigation by Transunion. Upon waiting for Transunion investigation to be complete I also sent a validation letter directly to XXXX XXXX. Transunion completed their investigation on XX/XX/XXXX. The results were that the account was verified. I am questioning the verification for several reasons. What information was provided to validate the debt, who validated the debt? My reasons are is, I received a letter from XXXX XXXX XXXX on THEIR letter head with an account number and it also states the letter was assigned to them. The company did not provide any proof from the original Creditor stating they assigned the account to them. I also went as far as to contacting XXXX XXXX who assured me they did not assign an account with my information to a collection agency. I was told again to dispute it with the bureau. ( Transunion is the ONLY bureau reporting this bogus collection ) This account has not met the standards according to the FDCRA as proper validation. Anyone can type a letter and add numbers to it. They also were not able to provide a contact or anything with my signature on it. 
XXXX XXXX did not meet the burden of proof and Transunion failed to complete a through investigation according to FDCRA guidelines.
Last XX/XX/XXXX I send money using Western Union to my receiver which is in XXXX. It said that my receiver will receive my money on XX/XX/XXXX but it is now XX/XX/XXXX and when I tried to track my money, the service is unavailable.
XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Experian investigate the issue as they will not reinvestigate.
I just filled this out but web site timed out just before I could hit submit. I do not think you received my complaint form so here it is again. 
I have a home mortgage serviced by Seterus on a property in XXXX XXXX. Since XXXX, 2015 they have been taking my extra principal reduction payments and applying them to the regular monthly payment. It is an adjustable loan. Anticipating increased interest rates by the Feds I am trying to reduce the principal. I have talked to XXXX different agents of Seterus monthly since XXXX and they have all said it is a " system '' problem. The " system '' does not recognized the additional principal even though I send it in as a separate check and note it is for principal reduction. Each agent is very apologetic and each has said numerous customers have complInd about the same thing! I have come to a conclusion this may be a corporate scheme to increase the company profits by allowing this to occur over 7 months with no system fix in place. Now, because the " system '' did not recognize my XXXX payment since they messed up my billing statement they have advised me the " system '' will likely automatically report the XXXX payment as non paid/delinquent on my credit report! They acknowledge they received the XXXX payment plus an addition XXXX but the " system '' did not recognize the payment! They promise they will submit to the credit bureau it is their error but they have been making promises to fix this monthly problem since XXXX with no remedy yet! I think the agents are sincere as they readily apologize, they admit many customers are complaining and they promise to make file notes " requesting '' the " system '' fix this. For these reasons I believe it is a corporate level fraud scheme. The Seterus agent I spoke to today I could mKe a XXXX XXXX payment by phone and he could submit it thereby the " system '' would update my account and it would not be considered delinquent. That is ridiculous. I can not imagine how the corrective action could not be in place over the course of 7 months with numerous customers complaining unless it is deliberate. The more people they have that have delayed principal reduction the more interest they collect.
I HAVE BEEN GETTING XXXX CALLS XXXX DAYS A WEEK FOR OVER XXXX MONTHS FROM KEY BANK. I HAVE NEVER BEEN IN A KEY BANK IN MY LIFE. THEY SENT ME A LETTER OFFERING TO WAIVE MY LATE PAYMENT. I NEVER BORROWED ANYTHING FROM KEY BANK. THE NUMBER THEY CALL FROM XXXX.
Company charged too much interest more than what was promised. I also asked for ibr and was approved but they still have not placed all of my loans on the plan after several calls. ( XXXX University ). ( XXXX XXXX College ).
I ordered a pair of shoes from XXXX and paid with PAYPAL credit- the shoes were sent in the wrong size ( box said one size shoes another. ) I was willing to send shoes back at the sellers expense. I contacted the seller and they did not resolve this. I filed a dispute with PAYPAL and their response DID NOT even address my issue. It was clear they did not even read my complaint.
I initiated a transfer between Suntrust Bank and XXXX XXXX for {$1200.00} and the transfer was never completed. I have visited the local Suntrust Branch and called numerous times to locate the missing transfer initiated on XXXX XXXX, 2016. I have not received the money and Suntrust is very apologetic, but can not locate the missing transfer.
On  XXXX   XXXX   XXXX  was notified that i was closing my accou nt of 10 yr s. and switching over to  XXXX  for a much lower price. On  XXXX   XXXX  I called  XXXX  to get the balance owed on my account.My bill was always due on the  XXXX  of the month so I called a few days early. The agent gave me a final bill of  XXXX  with a confirmation number of  XXXX  and I paid it over the phone.It was deducted from my checking account. About a month later I received a bill saying I owed  XXXX . I immediately called  XXXX  and told the agent I already paid t he balance.She sai d because I kept my same phone number, I owed the money, I told her she made no sense, everyone is allowed to keep there same number., A month later i received another bill for the same amount. I called again and got a different reason why I owed the money, that because I paid the bill on the  XXXX  of  XXXX  I still owed the last few wee ks of  XXXX .I t old them they made no sense.I wrote to their main office in Ohio explaining what was happening, and that I didn '' t owe  the money.Yesterday I  received a bill from a collection agency ca lled Convergent.I do not want my credit marred by this. I have worked hard to keep my credit good. I would appreciate whatever you can do to resolve this matter.
Stuart Lippman located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX keeps contacting me regarding debt that is not mine, nor in my name. I have repeatedly asked them to stop phoning me and they continue to call. I have told them that it is illegal to continue to keeping bothering me about someone else and to please remove my number from their list. I was told they can continue to contact me even though I am not the person they are trying to reach.
We love our XXXX Infiniti Q50 with 3.7 litre engine. It is an excellent car. We bought it on a 39 month lease which ends in XXXX XXXX. Infiniti USA has been soliciting us to return the car for the last ( 3 ) months offering incentives that release us from the last few months of the lease. When we went to the dealership to pick up a new Q50, we found that the car did not have the same engine. Our current Q50 has a 3.7 Liter Engine and the new Q50 's all have a 2.0 or 3.0 Turbo configuration. Because they are using the same chassis, the car is loud and does not drive the same. We took the car back to the dealership. We contacted Infiniti and said the only Infiniti car that meets our desires is now the Q70 with 3.7 litre engine. But the Q70 is a larger and more expensive car. We are reasonable, we are fine with paying more for our current car with inflation, but the delta to the Q70 will require incentives from Infiniti to bring down the price. A Q70 is not affordable. We believe that Infiniti is engaging in a bait and switch to make us buy a Q70. They are forcing us to turn in a car of a higher quality and value for a lower value car. Because it is a lease contract we are required to pay a lot of money to turn in the car and buy another brand. When we tried to work with Infiniti USA, they gave us a case number XXXX and ultimately offered free maintenance, which is in actuality is 5 free oil changes. A XXXX company like XXXX really should not be allowed to treat us US consumers like this.
Over the past six months, I have received three telephone calls from National Recovery Agency, claiming I owe {$20.00} to XXXX, dating back to XX/XX/XXXX. Each time, I have requested a printed information as to the debt, which I would be happy to pay, if indeed I owe the {$20.00}. The NRA file # is XXXX. For one brief period, I did receive medication from XXXX XXXX, and during that time the company had my credit card on file. Subsequently, my insurer changed my prescription supplier to XXXX XXXX. As a result of the NRA calls, I contacted XXXX XXXX, which was quite helpful, and it went back through its records until XX/XX/XXXX, and could find no evidence that I owed the company anything. I do not know what to do. I am being harassed over a {$20.00} debt, which apparently I do not owe, and NRA will not ( as required by law ) provide me with a copy of the evidence of the debt. As an individual with a XXXX XXXX, for which XXXX XXXX briefly provided medication, this is not very good. I am not supposed to be getting stressed. Help!
I was contacted by Alpha Tech on XX/XX/2016.I received a lot of phone calls concerning search engines, key words, algorythms I ended up signing up with them, I paid them {$3500.00} plus {$75.00} per month on my USAA Mastercard , I would like to dispute those charges made by XXXX last year on XX/XX/2016. They promised me a web page, on 1st page in 30 to 45 days all I received was a lot of phone calls from different representatives offering more services and asking for more fees stating in order that my business be successful I needed a new service. Needless to say my website never moved up and I never had a customer inquiry. They have n't done anything that they promised they would and if I had any question I could never get in touch with anyone but they would always call me to ask for more money for sure. I would like to get my full refund from TSE. And I would like to start a dispute on these charges please. They prey on the elderly offering services that you do n't need, they overcharged ( price gauge ) and you lied making promises that you could not fulfill.
I filed an original complaint on XX/XX/XXXX which was responded to on XX/XX/XXXX by US Bank. In their response they reference bankruptcy discharge from XX/XX/XXXX as being the reason they are now starting foreclosure proceedings. During the bankruptcy, I never filed against US Bank, I continued to make my payments after speaking with a representative, and they state they do n't send me statements. This is not accurate. After speaking with the representative XX/XX/XXXX, I started to receive statements and made my payments in the branch. I am confused on how this is now an issue 3 years later. 
The other issue brought up was the matter of my requesting assistance on XX/XX/XXXX. They state that I spoke with a representative, that is true. They state that they sent out a loss mitigation workout sheet to my email, this is also true. What is not stated is that this was sent to me by the first representative prior to be transferred to another gentleman representative who informed me that I was not eligible for the loss mitigation process. No suitable reasoning was given. 

The last issue states I was assigned a Relationship Manager by the name of XXXX XXXX. I have contacted her several times and so has my personal financial advisor. She does NOT return phone calls or emails. She finally returned a phone call to me this Friday XX/XX/XXXX at, while I was driving. I pulled over, listened to the message and called her back within 10 min. I asked her to call XXXX XXXX, my financial advisor and as of today, she still has n't called. 
I do n't see how she can be a point of contact. To not return calls or emails in a situation like this is just appalling and inexcusable. 
At this point, I am afraid, confused and in need of your assistance since US Bank is inconsistent with their responses and conflicting information. 
I have always fulfilled my obligation and feel since I asked for assistance, US Bank has created a reason to attempt to take my home. 

I thank you for your assistance in this matter
This Collection Agency named OMEGA RMS whom brought this account from Stores Onlines at the time I owed roughly {$1700.00} in the year XX/XX/XXXX have double the balance to {$3500.00} and continues to report it on my XXXX Credit Report also twice within 30 days of the pass months. ( XX/XX/XXXX & XX/XX/XXXX ), the Statue Limitation on this Account expired in XX/XX/XXXX.
This is concerning Account number XXXX This is concerning Wells Fargo Dealer Services. They have added car insurance in an abusive way behind the back of the consumer, being myself, although vehicle insurance exists on the account. They sent a demand letter, even though the account is up to date. They added about {$3000.00} worth of insurance to protect the vehicle, a XXXX. There has never been a lapse of insurance and yesterday in a three way conversation with the bank and the insurance company this was proven. They are going to add insurance to the vehicle unjustly for the life of the loan. I want all those charges reversed, to include other predatory charges that they invented. There could be hundreds of thousands of consumer like myself, that are being taken advantage of. I want a complete audit of the account and charges removed and reversed. the employee that I spoke to the first time did not recognize the demand letter and did not know how to answer my questions.
This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over property maintenance. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us and have concerns that the appearance of this property has detracted from the value of their property.
An unauthorized inquiry from XXXX XXXX was reported on XX/XX/2018. I called XXXX to find out why they ran my credit report and they said they have no record of speaking with me and do not have an answer as to why my credit was ran. I then called Transunion to file a dispute on the inquiry. Transunion told me that they do not dispute inquiries as they are facts. I told him it was not a fact, it was not authorized and it was fraud. He said it did not matter and if I wanted it removed then the company that pulled the report would have to submit to Transunion in writing that the inquiry needs to be removed. I asked him why a company that committed fraud would submit anything. I was again told that inquiries are facts and can not be disputed. I informed him that I submitted a dispute on unauthorized inquiries to XXXX and it was removed immediately. He said Transunion does not have a process to dispute inquiries, so he can't help me.
I reviewed my credit report and noticed an error on XXXX. A collection agency called AFNI is reporting that I owe {$1400.00} AFNI XXXX XXXX XXXX XXXX Original Creditor Amount Owed : {$1400.00} I contacted AFNI and was told that they do not own this account or have the account in their office. They said they have no knowledge of this.. I asked them to remove it from my report. They stated they would not.
I am writing to request that AFNI be removed as they do not have an account for me.
We filed a dispute with wells fargo on a charge the was fraud. We didnt open the account when I stated tha t Wells farg o aid since there ws a charge already placed on the account it will not be considred a fake account. I filed the dispute on  XX/XX/XXXX  they sent me a letter on  XX/XX/XXXX  stating they do considr the dispute fraud and charged the account back.
Filed a dispute on with credit agency Transunion for credit negative remarks in which took longer than 30 days to resolved. In addition, requested removal of negative remarks in which was not resolved within the time window. 

Disputed XXXX XXXX XXXX XXXX : 1. XXXX - Dispute removal negative remarks - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
2. XXXX - Dispute removal negative remarks - XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
I opened student loans when I was XXXX years old in 2003. I have since paid all my student loans. I originally noticed student loan company 's had the balances incorrect. I disputed the balances and they were all adjusted to {$0.00}. As I started applying for my mortgage, I learned there is another person attached to my credit report. This man social, addresses, work history and other people information are on my credit report. As I got denied for credit cards because of my payment history of my student loans. I began to investigate and realized. XXXX  services is not reporting correctly. I asked for the debt to validated, I have not received that information. I also sent in information to the three credit bureaus, of the person student loans coming to my address. The same man who social, addresses and work history that blends with my credit report. I believe all the late payment XXXX is claiming I made are untrue. All my student loans are paid off and I want to go back to school. I am being denied at every turn for 14 yr old loans. The delinquencies, the remarks, are ruining my life. I need these off my credit report. I believe there were times when collections of my monies, were reported as missed when they were n't. I believe there may have been computer/debit issues, when I would make a payment. I believe some months my payment was n't late, I was in a deferred period. There is even proof of another person info being blended with mines on my credit report. I have proof of his student loan bills coming to my old address. There could have been times payments made may not have been applied properly.