WillisBack/dataset-financial-user-claim huggingface dataset:
I chose the " missing information '' option because there was not option to fit my situation. I have requested a copy of my consumer report as well as a security freeze from Advanced Resolution Service after finding out that this company compiles information on consumers. 

On XX/XX/XXXX I mailed a copy of my drivers license, Social Security card and a recent utility bill to verify my identity, Social Security number and address along with the letter requesting the freeze and copy of my report. 

In response I received a letter dated XX/XX/XXXX demanding income information they are not entitled to. Their letter requested " Proof of your identity - Please send a XXXX, paystub or tax return showing your full social security number '' On XX/XX/ I mailed another letter refusing to send financial documents and asserting the my drivers license was sufficient proof of my identity and the copy of my Social Security card was sufficient proof of my social security number ( and in fact is the only legally valid verification of a Social Security number. ) Today,XX/XX/XXXX, I received a telephone call that I did not answer as it was from an odd 6 digit number ( XXXX ). A voicemail was left by a female who did not give her name stating she was calling from Advanced Resolution Service. She stated that they had received my second request for a copy of my report and a security freeze, and stated " in order to process your request we do need a copy of a XXXX, pay stub, or tax form showing your full Social Security number. We do not need your financial information, you can cross that part off, we just need an official document showing the use of your Social Security number. '' First, they have no right to request this, there is no way to cross off all sensitive information they are not required to from these documents, and financial records are not " official documents. '' The only reason I can think of for demanding financial documents as Social Security number verification is because they show place of employment, salary, family composition and much much more. More information for their data mining operation? None of these documents are even acceptable verification of a Social Security number by any stretch of the imagination. 

And do they flat-out deny reports to everyone who is XXXX or retired? None of those people have XXXX forms, check stubs, or tax forms. Highly illegal to discriminate against the elderly and XXXX in this manner. 

So, lets just say that I am retired and XXXX and/or have never worked a day in my life. Maybe I'm a recent college graduate, just starting out and not employed yet. None of their business. They have no cause to demand proof of employment in order to comply with the law. This is exactly what they are doing by refusing to acknowledge official government documents that verity Social Security number and instead demanding financial documents, which are not official documents, for that same purpose.
There is a collection company that keeps putting an amount on my credit report. Every time I get it removed, they change the account number and put it on again, with a different date too. 

Their name and address is : Credit Management XXXX XXXX XXXX XXXX, TX XXXX It says it 's for XXXX XXXX XXXX, however I have NEVER had service with XXXX XXXX. I 've always had XXXX. 

No matter what I try to do, they will not stop.
Called everyone in family discussing debt and threatening them without contacting me prior and repeatedly calling my work. XXXX ex XXXX.
I rec 'd a phone call from a XXXX XXXX at XXXX XXXX who said she was calling from XXXX XXXX XXXX and that she was an attorney and that this was an attorney 's office. They have called my husband at work numerous times even though they have been asked not to as it will jeapordize his job. When I googled this company it said it was a debt collector and that they had been shut down once. This is for a debt from 2008 that just keeps getting sold.
On XXXX XXXX I checked my credit and noticed fraudulent accounts were deleted, but after the XXXX breach happened, all of a sudden the fraudulent student loans and a car loan are BACK on my credit report. I have been in XXXX  for several years and someone attempted to go to school on my credit expense. In XXXX my XXXX disputed on my behalf and the same loans were deleted, but now all of a sudden they are back. 

Section 609 of the FCRA identified as 15 U.S.C. 1681g gives me, a consumer, the right to ask for this information. It clearly states, Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer all information in the consumers file at the time of the request This section of the FCRA is saying that if a consumer asks the correct way, in writing, and properly identify themselves, the 3 bureaus are required to disclose to the consumer exactly what documents are stored within their computer base. 

Their response to all of my dispute letters basically parrot what the information provider tells them, all items identified in your complaint have previously been verified as accurate by the data furnisher
I have tried to get my loan modified for many years and have been unsuccessful at doing so. 

No matter how little or how much I earned, my lender, Nationstar has not modified my loan. 

I tried so many years to get my loan modified while the real estate market was down, but each time, ( over 15 attempts ), my lender has denied me as late as XX/XX/2017. 

During all of the attempts with the exception of the past two ( 2 ) years, Nationstar has lost my paperwork, not returned calls, and just asked me repeatedly to send the information over and over again, but to " NO AVAIL ''! 

I know of other individuals who live in my condo building who had the same lender, whose financial situation was about the same as mine, and Nationstar modified their mortgage loan but has done nothing but given me grief! 

Please help me in getting my loan modified by Nationstar. 

I am a single parent, and this is our home, and we would like to keep our home because this is all that we have, and we have nowhere else to go! 

Please HELP!!!
I am making payments of twice the amount due for minimum payment due. I have  two separate balances on the same card, one is standard purchases at 13.99 %, the  other balance is a promotional 0 %. The promotional rate expires  XXXX . The credit card company is taking my payment and applying the minimum due to the 0 % balance and then applying the remainder to the 0 % balance also. My 13.99 % balance is increasing every month with interest charges as ALL monies go towards the 0 % promotional balance. As I understand the regulations, they are supposed to apply the overage to the HIGHER rate balance. I have spoken to this bank, they say that what they are doing is by their policies, I informed them this was my next step, to file a complaint, they were not concerned. I can not pay off the 13.99 % balance or reduce it until AFTER the 0 % is paid in full. These balances are in the thousands, that is not an easy task.
My name is XXXX XXXX, I have been seeking to purchase a home since last XXXX. I have researched a few down payment assistant programs that are available. After careful thought and research, I decided to pursue XXXX. 
I have been interested in purchasing the following property : XXXX XXXX XXXX XXXX, which I had under contract since XXXX/XXXX/2017 XXXX XXXX has had access to this loan since XXXX/XXXX/XXXX. I have been trying to Close on this property since, and it has been a heart-ache to say the least. 
Just to let you know I am aware that the process for XXXX is 60 days closing rather than the customary 30 day closing I have used ( Calcon Mutual Mortgage / OneTrust Home Loans ) in XXXX, GA region, because this is XXXX of InvestAtlantas preferred lenders : I was informed in the latter part of XXXX that the original Loan Originator was no longer with company, so it was transferred to another Loan Originator, the Loan Processor remained unchanged. 
Just to provide a brief run-down First, they appraised the home without including the renovations of the home. I requested to the loan originator that he re-submit the appraisal to reflect. It took them two weeks to re-submit, that was after I requested again that it be done so. 
I was scheduled to Close on this home XXXX XXXX, XXXX XXXX, and XXXX XXXX, each time I have been left in the dark by the Loan Processor, and unaware of the reason, no communication was initiated from the Loan Processor/lender of the explanation of why it wasnt going to Close. Sadly, the communication that I wouldnt Close came from my realtor and in turn he received it from the Closing Attorney. 
XXXX XXXX Close, I was informed by my realtor that the Closing attorney was advised by the lender that the loan was cancelled. When I reached out to the lender she advised that they would re-submit the loan due to the duration of the loan is too long and the new loan originator didnt want to Close, and the former loan originator is no longer with the company. 
At this point I just want my money back ( appraisal fees and earnest money at minimum ) which I have reached out to the lender and I havent received a response, other than to resubmit the loan process. 
Please assist in what I can do. 


This is address information I have of Calcon Mutual Mortgage, it comes up as OneTrust Home Loans. 

Calcon Mutual Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX OneTrust Home Loans XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX XXXX, CA XXXX
Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with XXXX XXXX, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit XXXX XXXX  but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with XXXX XXXX before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with XXXX XXXX. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX
I have student loans with the US DEPT of Education as well as well as the US Dept of Education XXXX. I had these XX/XX/2011. I have paid these religiously and I am current on everything. I had a company contact me called Windham Professionals and demand XXXX. 
They would n't allow payments. they said the only way to avoid fees is to agree to a lump sum payment. The issue was the Dept of education had crossed XXXX addresses when I updated my address. and when I got this notice from Windham It was messed up as well. The lady I spoke with was horrible and she would n't let me speak to anyone other than her. and then her reply was " just do n't pay it! '' Th
I traded my XXXX XXXX in for a XXXX XXXX on X/XX/2017. XXXX told me that they would pay the last XXXX remaining payments on the XXXX XXXX. I received a bill in XX/XX/XXXX for the XXXX XXXX. I called XXXX XXXX and XXXX. They told me not to worry that they were handling it and that it would n't show up as a late payment on my credit report. I then received another bill from XXXX XXXX in XXXX, 2017. This time I drove down to the dealership ( XXXX ) and spoke with accounting. I also called XXXX XXXX. I was told that they were n't sure what happened, but apparently they had some type of accounting error. I was again reassured that my credit would n't be affected. My wife checked my credit report and saw that XXXX XXXX did in fact report a late payment for XXXX, 2017 and XXXX, 2017 to TransUnion as well as XXXX. I drove directly to the dealership and was told they would handle it. Finally, after two months ( XXXX, 2017 ) they cut me a check, in which I turned around and paid XXXX XXXX that very minute. I called XXXX XXXX XXXX different times speaking with XXXX and then again a XXXX requesting a letter showing the mistake made on their part and requesting that they notify the credit reporting agencies correcting and removing the two late payments. I finally received a letter from XXXX XXXX on XXXX XXXX, 2017 stating they would do so. My credit report still shows the two lates payments for TransUnion and XXXX. These two late payments need to be corrected and show paid on time. Not to mention they also showed the XXXX XXXX on my credit report as if I still owned it for those two months when it had already been resold to someone else. This has adversely made my Fico score plummet all because of an accounting error?!! I kept being reassured that my credit would n't be affected.
capital one is showing inquiries on my credit report which are fraudulent. the dates of inquiry are XX/XX/XXXX and XX/XX/XXXX.. i have reported this to XXXX  and ftc ... these inquiries need to be removed
Westlake Financial Services has consistently misreported to my XXXX   and XXXX  reports multiple times. 

On my XXXX  my score was dropped 45+ points on or around XX/XX/2018 and again on or around XX/XX/2018. 

They have passed the FCRA requirement of updating payment information for the months of XX/XX/XXXX XX/XX/XXXX and XX/XX/2018. They have also disregarded the weekly calls I have made every week since this issue has occurred. 

I also would add that Westlake Financial was supposed to give a financial hardship credit in XX/XX/2018 but instead Westlake Financial didnt  apply that forbearance
The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. Capital One needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with XXXX.
The loan is paid in full due to a garnishment from my check now will not remove the balance of XXXX dollars. Have proof it was paid
On Sunday, XX/XX/XXXX, credit was denied based on discrimination. Specifically, Citi bank ( Sears MasterCard ) "  escalation specialist ' ( XXXX ) told my husband over the phone that my application for Sears MasterCard was denied based on my XXXX name ( or national origin ) in violation of law. 

I received a letter from Sears MasterCard dated XX/XX/XXXX ( attached ) requesting additional information. 

I responded to the denial and letter with my letter dated XX/XX/XXXX ( attached ). I specifically included identifying information such as, reference number provided by Sears MasterCard in their initial letter, my name, social security number, and contact information. My letter was sent via priority mail with a USPS tracking number. 

Sears MasterCard ( Citi bank ) replied to my letter with their letter dated XX/XX/XXXX ( attached ). Their letter was sent in " bad faith '' asking for identifying information that had already been provided in the letter I had sent to them. It is obvious Citi bank is trying to deter my complaint of discrimination by intentionally not responding to the complaint outlined in my letter.
Equifax has a security breech XXXX XXXX, XXXX, and failed to infor customers until XXXX XXXX, XXXX. They also was charging my my account after the security breech.
The account activity is missing transaction that was reversed. I have already asked about On XXXX/XXXX/XXXX statement the Principal unpaid balance was {$29.00}, XXXX ; on XXXX/XXXX/XXXX - it was {$28000.00}. After one more extra principal of {$500.00} and interest payment - the balance in XXXX/XXXX/XXXX is {$28000.00} amounting to only {$280.00} being applied. Wells Fargo ignored the inquiry/complaint that was faxed on XXXX/XXXX/XXXX ( see fax confirmation ). on XXXX/XXXX/XXXX - Per XXXX XXXX Customer Service - after XXXX payment - I could have expected my balance to be : {$28000.00} Balance as of XXXX/XXXX/XXXX XXXX Less : Principal Payment XXXX {$500.00} Less : Regular Payment XXXX Estimated Principal Balance prior to adjustments {$28000.00} It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the Mainframe systems showed 3- {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account XXXX XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the 3 {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. Another issue is that the payment on XXXX of which they are not supposed to draw since I told Customer service to change from biweekly to monthly was kept once again in Unapplied funds and was not applied until XXXX/XXXX/XXXX. This should have been applied to Principal as the payment for XXXX was already completed on XXXX/XXXX/XXXX. 
This reversals and misposting of my payments have been going on and reported way back around XXXX of XXXX and to this date are never corrected satisfactorily. I have spent countless hours and could not take my XXXX tax to accountant to amend due to inaccuracies. I am to a point of emotional breakdown everytime I deal/talk to Wells Fargo since that time in XXXX XXXX of which my mother was XXXX.
The credit reporting agency Equifax was recently hacked by unknown persons. During this attack, personal information about myself, and many others, was obtained and is now in the hands of people who should not have it. Names, dates of birth, SSN,  addresses, and drivers licenses were all things that were collected. 

Equifax did not alert the public about this issue in a timely manner which has opened me up to becoming a victim of identity theft. 

There is nothing Equifax can do to " fix '' this situation because there is no changing my personal information. For the rest of my life, I will not have to monitor my credit even more closely to ensure that someone does not destroy my life.
I opened up a Citigold account in late XXXX XXXX when they were offering a promotion for XXXX XXXX points. The terms of the promotion were that in order to receive those points, I would have to open the Citigold account and make XXXX consecutive bill payments within 60 days, which I did. I confirmed with their customer service representative by online chat, I also sent security message to citibank to confirm it, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. I should received the XXXX points on XXXX XXXX, XXXX. I did not received the XXXX points on XXXX XXXX, XXXX. Then I sent several emails to Citi bank. The feedback I got is CitiBank need reevaluate if I met all the promotion conditions, and the time to respond to me is unknown. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.
Back in XXXX of XXXX I had credit card debt. I regretfully signed up with United Debt Counselors to try to help me. They took close to {$5600.00} from me and did nothing. When I withdrew from this program I they refused to give me all of my money back Just gave me {$960.00} When I called the credit card company they advised me to wait until The accounts " charged off '' and I would work a payment plan with them. I spoke to them on XX/XX/XXXX. When I called them on XX/XX/XXXX, the day they suggested and they told me it was already sent to a third party. When I called the third party they said it was transferred to an attorney. When I called the attorney they would not speak to me. They need to speak to United Debt Counselors. I am no longer with the fraudulent company. But they refused. All I wanted to do was do the right thing and I have been given the run around and getting deeper and deeper in debt. Please help me.
The loan has been paid back for several years and I am being contacted illegally at work which is jeopardizing my employment. XXXX XXXX XXXX XXXX
I requested that a fraudulent collection be deleted from my report. 
The Collection was from XXXXXXXX XXXX, AKA XXXX, AKA XXXX XXXX XXXX XXXX. 
The debt collector refused to provide any required info to dispute this debt correctly. 
The debt collector could not be reached even by legal means. 
I submitted a prior complaint to CFPB ( Complaint number : XXXX ) and this CFPB validated that the debt collector was fraudulent as they could not even contact the collector. 
I filed a dispute with all three credit reporting agencies and the results were as follows ; XXXX - Verified as fraudulent and deleted. 
XXXX - States they verified as good, not deleted. 
Experian - States they verified as good, not deleted. 

I am requesting that both Experian and XXXX delete this fraudulent debt collection from my credit profile for the following reason ; Both XXXX and Experian did not verify this debt or the collector per federal law. 
The CFPB was not able to contact this collector and as such, it was not possible for Experian and XXXX to contact the debt collector and they did not in fact verify the debt as this debt and the collector are fraudulent. 

Please reference my previous closed CFPB complaint # XXXX I have also attached supporting documents ; Experian Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX and XXXX Report XX/XX/2018 XXXX XXXX XXXX Account ( part ) # XXXX
A Santander Consumer account that was open in XXXX XXXX and closed due to repossession in XXXX XXXX is reporting inaccurate information, high balance, balance due, payment history and reason account was closed. I have requested through them and the credit bureau to please remove account due to inaccurate information and nothing has been done.