WillisBack/dataset-financial-user-claim huggingface dataset:
1. I was laid off from my job on XXXX/XXXX/XXXX. 
2. In good faith I contacted my mortgage company ( Wells Fargo ) before all other creditors to request help and make payment arrangements. 
3. I was advised to begin 6-month payment  assistance/forbearance program followed by loan modification program 4. I got a new job on XXXX/XXXX/XXXX and continued making payments on time. Below is our payment history between XXXX XXXX and XXXX XXXX : Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX amount paid {$1600.00} ( prior auto payment amount ) Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$710.00} Payment date XXXX/XXXX/XXXX, amount paid {$710.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} ( Started trial payments early ) Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} Payment due XXXX/XXXX/XXXX, amount due {$3100.00} Payment date XXXX/XXXX/XXXX, amount paid {$3100.00} After successfully completing payment assistance program, we requested to convert to loan modification program. However, we were also in the process of selling our home. We advised Wells Fargo that the home would be sold within 30 days and the loan paid off. Our understanding, based on conversation with Home Preservation Specialists, was that any unpaid mortgage payments would be added to the back end of the modified loan. Since we were making payments every month and was approved for the loan modification, we did not expect the default status reported to credit bureaus by Wells Fargo and the negative impact on our attempt to obtain new home loan. We believe this is unfair. See attachments for background and further details.
I have money in my bank account one day my money was gone and the bank told me the was a legal order debit
discover refuses to provide debt validation. yet keep reporting me.i have requested debt validation many times. nothing. i have asked for a call for a debt settlement figure nothing. 
i have asked for emailed statements since i have no mailing address nothing.but they keep reproting me despite a cease and desist letter i sent please intervene. not just send it to them and accept the same old script they give
This is an HSBC account from XXXX, and was settled back in XXXX with another collection company by the name of XXXX XXXX XXXX. I just started receiving calls from the company this week from a XXXX, they are leaving long messages advising they are trying to catch up with me, they are filing court documents, they have given me information about my car, my old residence as well as advising to get my license suspended for not paying the debt. My daughter reached out to HSBC XX/XX/XXXX to see who this company is because the company will not give out any information at all no addresses nor first or last names, they get very hostile with customers that they are trying to collect debts on. HSBC advised that there are no longer any accounts in there system for me and if the company is not willing to give any information about their company then its most likely a scam. My daughter reached out to this company who goes by XXXX XXXX XXXX which there is no information available on line about this company. And advised the same account number given was paid back in XXXX, the representative then advised her to send through email. My daughter then advised she will not she will like to get a physical address to mail, in return the rep sent her to a voicemail because she advised she did n't have the address. And said it will be quicker to just email the information to show the debt had already been paid.
XXXX XXXX XXXX has been contacting members of my immediate family after I have already asked them not to be doing so, I told them I was in a debt relief program and I wouldn't be speaking directly with them anymore. They haven't contacted me since the last conversation but they continue to call my family. They have even gone as far as to call my birth father and his wife regarding my account and disclosed my private information in regards to my account. I have no actual legal attachment to my birth father anymore. They even lied and said I used them as a reference for their credit cards and said I had given their contact information and gave them permission to call them, Which I did not. I have 3 different accounts with this bank, XXXX XXXX, XXXX XXXX, and a XXXX XXXX account. The debt relief program I am in is called XXXX XXXX XXXX. They also send letters to my house constantly asking to collect my debt and is still reporting the debt for my credit score.
Knight Adjustment Bureau is reporting and attempting to collect on a debt that is not valid and that I do not owe. It is for an erroneous day care bill. I paid for my kids day care and was never one time late. I advised them I was needing to remove my kids and they advised me the only person who could cancel services was the owner who was out of town, they are always out of town for weeks at a time. I was paid up and cancelled. I do n't even know what this is and nobody at XXXX XXXX ( the  original creditor ) will help me and Knight Adjustment wo n't help either. This is not my debt, its not valid and it needs to be deleted & cease collection.
This is regarding an adverse account item logged to my XXXX credit report on XX/XX/XXXX in the amount of {$190.00} filed by Aldous and Associates on behalf of XXXX XXXX XXXX XXXX, and the resulting recalculation of my FICO score from XXXX to XXXX. The derogatory credit item is invalid and I disputed it with XXXX in XXXX as soon as I was alerted by my bank. They responded back that the item was verified as accurate. When I called to get the particulars about the investigation, as disclosed as an entitlement in the letter, the associate responded that the investigation is purely electronic. They simply contact the collection agency electronically for verification without any independent evaluation of the accuracy of the disputed charge. Whatever is reported is assumed to be accurate and as a consumer I have no ability to refute the claim. 

The circumstance of the disputed charge is as follows : I signed up with XXXX XXXX for month to month membership at a cost of $ XXXX/month. After an unexplained XXXX on the treadmill on XX/XX/XXXX, resulting in a visit to the Emergency Room, I was advised by my doctor to discontinue my workouts until a full XXXX XXXX and XXXX XXXX could be scheduled. Upon receiving that advice, I immediately called XXXX XXXX to terminate my membership. I had paid in advance for the month and had no outstanding balance. They urged me to come in to speak with an associate regarding the termination but after explaining the circumstance of my situation, the associate agreed to terminate my membership on the phone. Approximately 7 months later, I received a collection letter from Aldous and Associates on behalf of XXXX XXXX claiming a delinquent balance and collection fee in the amount of {$250.00}. I made multiple calls to XXXX XXXX and to Aldous Associates in attempt to resolve the dispute. They were unable to explain the charge and were extremely rude to me, talking over me, threatening to destroy my credit, and even hanging up on me. They did not respond to my letters. 

Attached is a copy of the Explanation of Benefits from my health insurance company documenting the emergency room visit and XXXX testing from XX/XX/XXXX. An examination of the XXXX XXXX records will show that I have not visited the XXXX since that day. Also enclosed is my credit card statement showing two payments to XXXX XXXX for {$10.00} covering the months of XXXX and XXXX, XXXX. 

I request that this false item be removed from my credit report immediately, and that my credit score be restored to its prior-calculated value. I have had over 40 years of perfect credit, and it is inconceivable to me that an unsupported claim by a disreputable collection agency and local fitness studio for an erroneous {$190.00} charge should be allowed to diminish my credit score which has been consistently over XXXX for many years.
Bank of America Mortgage Number XXXX Bank of America has been withholding {$78000.00} from insurance proceeds related to Hurricane Harvey. I paid for all the damage repairs out of my pocket and turned over all payments, receipts, explanation of work done, credit card statements and records to Bank of America. However Bank of America is refusing to disburse the insurance proceeds. This will make e default on my mortgage and lose my home. I can not afford to pay for home repairs out of my pocket and continue making mortgage payments.
Received a Call from a company identifying themselves as Portfolio Recovery Associates looking for ex- wife on a mobile phone that is owned by ( husband 's ) employer. Agent for Portfolio asked if we resided at an address where wife grew up. She has not been a resident at the said address for 18 years.
Someone stole my identity and opened XXXX account in my name in XXXX XXXX XXXX I live in XXXX XXXX never in XXXX. XXXX sent this to XXXX XXXX collection agency. I along with my credit protection agency XXXX XXXX XXXX XXXX disputed this to XXXX with their fraud package. Police report and all evidence sent to them and credit agencies. I've also disputed and had the XXXX XXXX address taken off my credit report and have a credit freeze in place for 7 years. 
XXXX has now sent the collection even after being proven it was invalid account to XXXX XXXX XXXX XXXX as if they think i'm just going to pay it this time. 
XXXX is horrible if you try to call them and hold for 25 minutes they hang up on you I am so mad at them
Please find attached a letters of dispute to XXXX that I also submitted to XXXX and XXXX about an account that I disputed under the Debt Verification Rule to produce the original documentation, fees or any sale or transfer of debt to Barclay 's Bank Delaware, a negative debt owed of {$2800.00}. Date opened XX/XX/XXXX. XXXX, XXXX and XXXX stated that Barclay 's Bank Delaware produced proof of documentation in which I did n't receive and refused to remove this account. Even worse, because I did dispute the account, they have now updated my negative reporting to reflect a new starting date of XX/XX/XXXX when in 2 years nothing was being reported by these XXXX reporting agencies or Barclay 's Bank Delaware.
Received a letter stating that one of my busIness accounts was being closed. When I called the bank they said that they did a review and decided that they decided to stop doing business with this entity. The problem is that this entity is a holding account and the the owner of another account ( and credit line ) with the same bank under the same group ID. They said that there was nobody to talk to, there were no notes, and there was not explanation- just that they decided that they didnt want our business any longer.
I have documentation that I can fax or upload to you. Also, the XXXX businesses that I have dealing with ( XXXX XXXX, XXXX, and Synerprise Consulting ) have all verified that the XXXX HAS been paid. This can potentially cost me thousands of dollars with a mistake that was not mine. Please help. Nobody can explain.
I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
There are numerous mistakes on my credit report. I have attached a narrative to explain the details. The bureaus want me to sign up and pay for them to make corrections.
I had a membership with Experian for Free Credit Report Monitoring. I noticed that they wer charging me {$24.00}. I had called to ensure they removed the charge since I not longer need their services, which the did. However, the next day, there was another charge for {$24.00}. 

I contacted them on XX/XX/XXXX and had waited on hold for over 2 hours before I spoke with a representative. The worker told me she does not see the charge and I have to call back on Friday the XX/XX/XXXX. I advised the worker that I do not have time to sit on hold for 2 hours to speak to someone and I would like a response back from a manager. She said she will notate the account and I would get a call back by Friday. I did not receive a call back. 

Today is the XX/XX/XXXX, I tried contacting them again but it was another 2 hour wait which I can not wait for. 

All I want is the {$24.00} refunded to my account. They claim they can not see the additional charge but I am looking right at it on my bank statements. Based on my research this seems to be a recurring issue with the company. I would like them to fix this ASAP and refund the money. 

Thanks.
I am a victim of identity theft and have been a victim of identity theft for over 10 years. I have fraudulent and unauthorized credit inquiries listed on my Experian credit report. The following credit inquiries are fraudulent and unauthorized : XXXX, XX/XX/2017, XXXX, XX/XX/2017
On Monday XX/XX/2018 my previous employer said that Trenton loans contacted them asking my whereabouts, if they knew I was working. He said they told him I dont need to dodge them. Theyll work with me if I call them and let them know my situation, they said they havent sent anything to collections yet. They told him they wan na try to work something out with me before that happens. They asked for my number, They said that the letter isnt a suing letter its a 10 day notice and they wan na work something out with me so they dont have to send it to collections. 

After this conversation with my previous employer, Trenton Loans called me. The ladies name is XXXX XXXX, she said that they were needing payment. I explained to her that I was unemployed now since XXXX, that Id been evicted from apartment and living house to house, and just gotten out of the hospital from having XXXX on XX/XX/2018. I told her that I had no way to pay them. I told her that I was aware that she had called my previous employer and that she had released all my information to him violating ethical practices for collections. She said that I shouldnt have put him down on the application, I told her that regardless of who I put down, that by law she is only allowed to tell a third party that they need me to contact them. No financial details can be released, they cant even say that they are collecting a debt or that Im behind or that there is a loan, She hung up on me.
XXXX calls constantly. Automated message, leaves number stating to contact if not person they are trying to reach. Receive automated announcement to select XXXX to make payment or XXXX for office hours. No other options! I do not know who they are and have no information to share regarding anyone else. There has never been an actual person on the line.
I have a Mortgage Loan on my PRIMARY RESIDENCE. It is XXXX XXXX. It was initially serviced by XXXX  XXXX XXXX, then NationStar and now by Mr.Cooper ( Mortgage Statement Attached ). I had applied for a HAMP Loan Modification in XX/XX/XXXX. Successively, both XXXX and NationStar messed up my Loan Mod files and even missed accounting for 1 Trial Period payment. 

Be that as it may, now I am trying to refinance the Loan and pay Mr.Cooper off. I am attaching the Loan Commitment Letter for my Refinance ( as also the Pay Off Letter from the Attorneys of Mr.Cooper ) and am about to close and Pay off Mr.Cooper. I  sent the same to Mr.Cooper and their Attorneys also and am in the process of clearing some Title Issues with the new Lender. 

However, the property is scheduled to be auctioned on XX/XX/XXXX - in 8 days time. It is my Primary home and I do not want to lose it. 

To give me enough breathing time, I have requested both Mr.Cooper and their Attorneys to postpone the sale till the month end at least but both of them are very adamant and not agreeing to postpone the sale.
Please substantiate your claims regarding information XXXX XXXX XXXX # XXXX. transmitted to credit CRAs for me, XXXX XXXX XXXX, regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows thatXXXX XXXXXXXX XXXX complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from XXXX XXXX XXXX to the credit bureaus should be deemed discrepant and may indicate FIRST XXXX XXXX XXXX desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.
I applied for   XXXX   XXXX   XXXX   XXXX   XXXX   in    XXXX . The ref number is  XXXX . I applied for the credit card while I was in  XXXX .
I received a letter stating the IP address in which I applied from is under U.S Economic Sanctions.   XXXX   is not under any sanctions by the U.S government, thus this is an invalid argument from Chase Bank. Chase denied my application so I called in to ask for a review on my application but Chase still denied by stating they do n't do business in  XXXX . However, Chase does do business in   XXXX    based on the information on   XXXX   and Chase 's website.
I have made numerous attempts to have this issue resolved with Midland Funding regarding a negative charge off account on my credit file. I sent a letter to the company dated XX/XX/18 which included a copy of my ID theft report. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.
I believe I opened the account with XXXX XXXX XXXX XXXX around XXXX of XXXX. I currently have all my paperwork in storage. After a couple months of paying my bill I started getting late notices when I had made the payment on time. I called and they would say " yes, we see you made your payment. Just disregard the notice '' This happened several times and I would call and get the same thing. I asked " why does this keep happening? '' they said it was the fault of the store I bought the merchandise from XXXX XXXX, so I called them. They told me they had nothing to do with it, I need to talk to the finance company XXXX XXXX. I called them back and told them that and they said that it was n't them. I got tired of getting no where, so I just stopped responding to the notices since I knew I made my payments on time. I paid them off last month and I received a late notice for a bill I no longer have. I am currently trying to buy a house and was told my credit states I had two 90 day lates from this XXXX XXXX. I called them today XXXX/XXXX/XXXX and was transferred 4 times and still never got to the department that could help me with this. This company is ridiculous and I get no where with them. Because of this false credit report, I am unable to buy or rent a home which is why I am living in a friends XXXX with all my stuff in storage.
This was a pre-paid phone account.. I terminated it via the company website and now they say I owe two additional months and have turned me over to a collection agency which continues to harass my XXXX year old mother. I have disputed the debt in writing and informed them not to call my Mother 's residence again and even them my business number!
My mortgage was sold on the XX/XX/2018. The escrow had been improperly assessed. My new company Selene Finance LP has stonewalled me for over two months now on fixing the situation. They have incorrectly assessed my property tax wrong causing a shortage in my escrow. I have had three escrow anaylsis 's submitted. I have faxed over all tax information related to the two lots I own. On XX/XX/XXXX they sent me a new escrow analysis that corrected the property tax payments yet didn't factor in my home owners insurance. Then on the XX/XX/XXXX they fixed that but changed the property tax back to the original error. You are told one thing by a supervisor, XXXX XXXX, and then told another by other CSR 's and other supervisor 's. The latest I have been told is that they will open another inquiry. This has not helped in the past. I can't even reach a supervisor in the escrow department. Apparently according to customer service there is no way to reach one. This is a simple math fix but seemingly they can't do simple addition at Selene Finance. I won't give up, I want this fixed.
On the XX/XX/2016 XXXX XXXX weekend. My Chase debit cards were stolen. And my information was hacked. Someone applied fraud claims against my Chase accounts and also applied for credit cards and loans. I called Chase about this as my usual direct deposit was frozen in my account and taken by Chase. Chase forced me to pay {$200.00} to clear this claim to keep my accounts. I informed Chase there is a {$2000.00} claim on my account that I did not do additionally to the first claim I paid {$200.00} for. Again I am located in XXXX not XXXX where these withdrawals were made from my account after the claims were made. After I settled this {$200.00} claim all of my Chase accounts were closed. I informed Chase several times that my information was stolen and I would need new cards and to possibly change my accounts. I never received any new cards from Chase. Chase came back to me stating I owe the amount of {$2000.00} that I informed them that I did not file this claim and the {$2000.00} they are levying against me is null and void because I did not have my Chase card. XXXX I did not file the claim and XXXX I did not withdraw money from the account as I explained to Chase I live in XXXX not XXXX where this took place. Because Chase is a huge company that continually attempt to bully customers and I will not take that. They should be called to mat for this.