WillisBack/dataset-financial-user-claim huggingface dataset:
RS & CLARK is reporting an account on my credit report that does not belong to me. I asked for debt verification as allowed under the FCRA in XXXX 2016. They sent me a response dated XXXX/XXXX/16 stating that they need additional time to verify the debt, and that was almost a month ago ... I have yet to receive a response.
I 've disputed accounts in the past and even recently and they are still reporting! I have become a victim of your credit reporting issue were put on my credit report I have no knowledge of. I have no reason to apply for anything, my information has been compromised several times from bank cards, ssn, etc. and now people are apparently applying for credit with that said information. I have an ID Care account given to by the government for the misuse of my compromised information I can provide along with the XXXX breach and fraud on my debit cards for the last 2 years. 

XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ( reported as fraud ) XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX ( i was on XXXX XXXX - not possible ) XXXX/XXXX XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX - Opened XX/XX/XXXX Late payment XX/XX/XXXX for ALL Dept of Ed accounts
On XX/XX/XXXX as requested by my builder I sent XXXX from my account at XXXX XXXX to Suntrust Bank in Florida XX/XX/XXXX -- -called builder -- did you receive funds -- he says I never sent that email XX/XX/XXXX Call XXXX they open an investigation XX/XX/XXXX investigation concludes with no funds returned to my account On or about XX/XX/XXXX I called Suntrust and spoke to XXXX XXXX in their compliance department she was not only rude but would not give you any information to assist we simply want to know where our money went and if we can get it back we are hard working people that can not afford this loss as we are building our home for our family I have the account numbers for the account involved
XXXX XXXX, who represents XXXX XXXX XXXX, has called my mother and work several times within the past week to collect on a debt. I understand that some of the debt is mine, however, I have disputed charges on one payment. My co-worker had explained that XXXX XXXX, at extension XXXX, was rude. Also, a XXXX called and was rude. They are harassing and threatening to call more if payments are n't made. I was forced to make a payment today. I paid the minimum, however, they pressured me to make a higher payment. Please look into this. The number they are calling from is XXXX.
I had a Macy 's credit card with a {$300.00} limit and zero balance. In XXXX of 2016 Macy 's let someone call and report card lost or stolen and sent them a new card to an address in Florida. Next the credit limit was raised to {$2200.00} and immediately the card was used in XXXX, XXXX XXXX, and macys.com. In XXXX 2016 on a trip to XXXX XXXX XXXX I tried to use the card and it was declined. Upon my return home I received a phone call from Macy 's asking for payment on the card. I informed Macy 's that I had not reported my card lost or stolen and I did not live in Florida. I filed a police report and the necessary paperwork with Macy 's Fraud Investigation Department. Macy 's has now sent me a letter saying they did not accepted my claim as a fraud claim and sending my account to an collection agency. This is unacceptable!!! Macy 's has significantly damaged my credit score and my ability to obtain credit has been diminished. They have also reported false information to the credit reporting agencies and now all reports are inaccurate.
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Equifax which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XXXX to XXXX of 2017 and was n't disclosed until XXXX XXXX 2017.
On XX/XX/2018 I found out that my Chase bank account ( opened in XXXX Florida ) balance information ( for several accounts ) was viewed by a Chase employee in a branch on XXXX XXXX XXXX on XX/XX/2018. This person had no reason to be in my account. I believe my account was viewed at the request of my ex sister in law who lives a few miles from the branch and used to work at Chase many years ago and most likely still has contacts there. I believe that the balance information was provided to my ex husband. Chase provided the name of the employee who viewed my account and started an internal investigation at my request. A few days later Chase let me know that they will be using internal resources to investigate but will not be providing me with any further information relative to my complaint. I asked what was being done about the breach to my privacy and my security and they kept telling me that they are investigating and that privacy laws preclude them from giving me further information. I'm not sure if any laws were broken but, instead of working with me to find out exactly what happened and  assuring me that my accounts are secure, Chase circled their wagons to protect themselves. I have been violated and the violation will likely result in my ex husband using the information provided to him in deciding how much support to provide to his children. Someone is, or multiple persons are, responsible for violating my security and privacy and I want to pursue whatever avenues are available to me.
I received a call from XXXX at XXXX stating I had to deposit {$1500.00} into her company account - P & B Capital, Acct # XXXX, XXXX XXXX Bank or she would file papers to take my home. She was very rude and abusive. She called me at XXXX, XXXX, XXXX. and on XXXX/XXXX/16 at XXXX. I had asked for their company name and website. That was when she became verbally abusive.
I am having issues with my mail being send to out dated addresses. I finally pulled my credit report and found information that doesn't even belong to me on my report. please remove the following addresses they are not mine : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX My current and only address should be XXXX XXXX XXXX, XXXX, XXXX XXXX.
The issues I have is that my twin brother and I for some reason, our SS # '' s are switched and the XXXX credit bureaus are not willing to work with us getting this corrected without paying them for services. We did not make this mistake someone else did and we can not get credit reports and or get positive reports when applying for our student loans. 
How can we get this fixed ASAP.
I have spoke to XXXX  about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX   as well. The inquiries that need to be removed are the 5 XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from OneMain on : XX/XX/XXXX 1 inquiry from XXXX on XX/XX/XXXX 1 inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.
I have just discovered that I have a judgement against me with a company named XXXX XXXX XXXX , XXXX. I only found out when I went to use my debit card and my account was frozen. No notification from company or bank. Bank sent notice two weeks after account was frozen with a letter stating that a levy was put on my account from XXXX. I called XXXX to see what it was for and they would not disclose information. Stated my bank needed to answer questions for judgement. I have never received paper work for this account, not even sure if it is my account. Never was asked to appear in court or received letter requesting court hearing or I would have appeared. They froze my account and also XXXX my XXXX children. I would like this investigated and judgement removed.
Today at XXXX My name is XXXX XXXX owner of property located at XXXX XXXX XXXX XXXX XXXX Maryland XXXX the county XXXX XXXX County. The name of my servicer is Greggory Funding LLC and my loan number is XXXX. In RE : Estate of XXXX XXXX XXXX. I am filing this complaint due to Mortgage Fraud, Negligent Lending, Breach of Good Faith and Fair Dealing and Breach of Fiduciary Duty. 1 ) I have been denied mortgage relief for the last XXXX. 2 ) I have n't received any meaningful temporary or permanent mortgage assistance in the last 24 months, servicer keeps increasing the late fees and penalties associated with my account yet refuse to offer mortgage assistance programs. 3 ) Lender is clearly steering me into foreclosure because they tell me the only option available is for me to pay arrears in one lump sum payment. I am approximately 65 months behind on my mortgage, how do they suppose I come up with that kind of money? Surely this can not be my only option, is it? 4 ) My lender has scheduled a Foreclosure Sale Date XXXX/XXXX/2016. I stopped it with a Chapter XXXX Bankruptcy I demand that lender halt any and all foreclosure activity in order to review and resolve this complaint in a manner suitable to both parties. 5 ) I believe a proper resolution will be to lower my payment to something reasonable I can afford on a monthly basis. 6 ) I asked Greggory Funding LLC for Proof of Claim showing that they have something that I signed showing or made a consideration for owing a debt to them I got nothing showing the debt they said I owed them anything.
Navient has not been forthcoming with the best repayment plan options for myself and my consolidation options when I have reached out to them via chat or via telephone several times since I went into repayment in XXXX. Navient has mislead me into >5 years of making higher monthly payments and having higher interest on my loans by their misguidance of my repayment options and withholding information about possibility of federal consolidation. Per current lawsuits Navient is facing, these actions seems to have been intentional misguidance by Navient per upper management to their face to face client support. Navient never once discussed with me that federal loan consolidation may be the best option for my repayment plan. I did not know this was an option until I met with a student loan agent XX/XX/XXXX. Further, I am also skeptical at how they are calculating my monthly payment amount as it is significantly different in percentage of AGI above the poverty line from my wife 's monthly payment of federal loans which is serviced by XXXX. ( Both my wife and myself are on PAYE program and file taxes 'married filed jointly ' ). I will have to do further independent research to verify how they are possibly miscalculating my monthly payment. It appears Navient has had a corporate structure to misguide students on repayment options that are in the best financial interests of Navient and not of the students and thus breaching their obligations for which the US Government contracted with them.
On XXXX XXXX, XXXX, I filed complaint # XXXX with the CFPB against Bank of America ( BOA ). This complaint describes neglect and terrible service and business practices by BOA that caused my loan to go into default in XX/XX/XXXX. 
I would like to file a complaint because BOA did not provide a response to my complaint. 
The CFPB file shows that BOA did send a Response to CFPB on XXXX XXXX, XXXX stating they had provided a response to the complaint and will do no further investigation. BOA did not send us a copy of this response or inform us that it had been sent to CFPB. 
The CFPB file has a link to review the " full results '' of the XXXX XXXX, XXXX, response, but no information is provided. 
A note from BOA on the CFPB file dated XXXX XXXX, XXXX, states : " We ca n't include the full results directly in this email because they sometimes have sensitive information. '' In addition to opening a new complaint, please do not close my complaint # XXXX because BOA has not responded to it and because BOA has not provided notice to me that a response had been sent to CFPB on XXXX XXXX, XXXX.
On XXXX XXXX, I contacted the Premier Student Loan Center as a way to help consolidate my loans and possibly forgive a portion of my loans. I spoke with someone who was a representative of the company. He told me that my loans could be reduced from XXXX to XXXX if I made on time payments. All they needed was a credit/debit card, social security, and my FSA ID number. I gave him all of that, charging me {$240.00} for the first for months and then {$30.00} a month after that.
On XXXX we closed our home loan with Cornerstone mortgage. We paid our mortgage monthly with no issue. On XXXX we received an escrow statement stating our payments were going from XXXX monthly to {$3300.00} due to an mistake in not collecting the appropriate amount of escrow. This was absolutely an amount we could not afford. So when we received our XXXX statement, I began to pursue options with the mortgage company and completed the required application. I heard back in XXXX that the account was placed on a trial modification and the first payment would be due on XXXX. We completed all of the trial period payments. However, during the trial period received a notice that our loan had been sold to XXXX, and the servicing would remain with Cornerstone. In XXXX we also received confirmation that our modification had been approved, so we completed the paperwork, had it notarized, and returned it in the shipping envelope provided. I believe it was in XXXX we received a notice that the servicing of our loan was also transferred to XXXX. I was able to register on their website and have been logging on to the account at XXXX and speaking to their representatives ... according to them they have not received the final processed paperwork from Cornerstone. Something about Cornerstone would have sent it to XXXX for processing and XXXX would have returned it to Cornerstone, and then Cornerstone would have to send it to them. It is now XXXX. My loan was tanked by a Cornerstone Escrow error, and now it has been sold to a sub-prime lender who can not finalize my account because according to them they do n't have the appropriate paperwork from Cornerstone. I contacted cornerstone by email on XXXX and received a response to contact their modification department. I did so, and was told I needed to submit a request in writing to the research department. I told the young lady that it was a request in writing that directed me to contact the modification department. She then said she could escalate it to a supervisor but it would take 24-48 hours. I asked to speak to the supervisor she said sure, then transferred me to an extension that rang and disconnected the call. This whole situation has been not only unfair but at no time has Cornerstone admitted to making these mistakes that have essentially cost my credit score and financial stability. I would like this issue resolved.
I received a letter from Trans Union stating that I had signed up for a service with them. I contacted customer service to access this account that I supposedly had opened. Upon doing this, I discovered that someone had opened an account with what I assume is a fraudulent card, at an address I had never used, and took a copy of my credit report. Upon closing the account, I requested that my account be completely locked so that nobody can access it. I was told that it would be, but that they would not send me an email confirmation, and would not send a letter confirmation. He said that in essence I had to take him at his word.
XXXX XXXX XXXX is reporting, as of XX/XX/XXXX, that I was 180 days late on my mortgage payments. I dispute this notation and would like them to remove it. 
I was in a loan modification program with XXXX beginning in XX/XX/XXXX,  and was out and in of loan modification for a period of 2 years. 

I sold the house and paid off my mortgage in XX/XX/XXXX. 

I would like this false reporting removed from my credit report. 

Sincerely, XXXX XXXX
We had our mortgage modified in XX/XX/XXXX. But due to an XXXX we missed our XXXX payment and received notice from our mortgage company we needed to send in XXXX payments by a specific due date. When we saw a problem we contacted via phone and email our dedicated loan specialist and informed her of this problem. When we tried to send the payment in XX/XX/XXXX it could not be sent XXXX XXXX which is the way we always made most of our payments online. We called the mortgage company due to this was the message we received, and where told by a customer service person they would only take just over four thousand dollars. We explained to them that we where awaiting tax return and they mainly told us we had to have this in asap. We received an collection agency letter and contacted them about our situation by fax but they never responded. We continued to reach out to our mortgage company but as of today XX/XX/XXXX they have only sent us notice as to how much we owe. We where seeking a forbearance mainly due to the medical situation, but they have not attempted to assist us in anyway. Our past due just gets higher and higher and they are aware of this and still just seem to not care.
I was left a voicemail by this company stating there is a " pending civil judgment lawsuit '' being filed against me. This voicemail was left for me on XXXX XXXX, XXXX. I called this company to see what it was about. The representative there claimed I owed on a debt to HSBC. He said the last payment was made in XX/XX/XXXX. He said if I did n't pay, I would be sued in XXXX County Court. He said the balance owed was {$2500.00}. He offered a settlement for half of the balance. 

I believe this company is a scam. To my knowledge, it is illegal to threaten a lawsuit if they have no intention of carrying it out. It is also illegal for them to threaten lawsuits on a voicemail. In addition to this, the Statute of Limitations is 6 years. If they are saying my last payment was made was in XX/XX/XXXX, the debt is at least 7 years old and is time-barred. I never received anything in the mail from this company prior to these phone calls, and I am unsure if this is even a valid debt, or if this company is authorized to do these collection activities.
I am showing XXXX collection accounts on my credit from Americollect. It states they are collecting for XXXX XXXX. I have a few issues with this collection agency. The first is I never received a notice from this collection agency to dispute or validate the debt. I had to call XXXX XXXX to find out what this was, who stated they sent a XXXX balance to Americollect. The last statement I received from them was XXXX 2015. Only recently I checked my credit to find Americredit reporting not XXXX account for XXXX but XXXX accounts for XXXX. It seems to have been opened with them around XX/XX/2015. Not only did I not receive written notice from this collector, they are not following guidelines of the FACT act. This debt collector continues to report this debt each month as if there has been activity on this account or payment is being made. My credit score recently dropped XXXX points because they are reporting this over a year old debt as a new debt. Overtime this account should have a less affect on my credit.
I sent money to my wife in XXXX the sum of {$260.00} and paid a fee of {$10.00} and when my wife told me that she has changed her name from her family name to my family name ( XXXX, XXXX XXXX to XXXX, XXXX XXXX ), i called western union to change the name so she can receive the money but western union refused that unless they call me on my registered cell phone. I told them am XXXX, right now am with XXXX XXXX in XXXX and that my phone is not working, i told them am ready to provide any other form of identification but they refused unless they call me on cell phone, so i requested to cancel the transaction. Instead of them refunding me my total money of {$270.00}, they refunded me {$260.00}, saying that they will not refund me my fee, meanwhile they refused to change the name and also if i have to send another money i will be paying another fee, i request they issue me back my fee so i can send the money again. This is my wife, and my wife is right now without money and I being XXXX has to take care of my family, but western union is making it difficult for me to take care of my wife. I need my refund fee back
Toyoyta financial Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under
I have an XXXX degree from XXXX College. During my time there, I applied for, and received, private student loans from XXXX/MEFA ( Massachusetts Educational Financing Authority ). These XXXX loans equal approximately {$100000.00} in principal debt. 

Upon graduation from XXXX, I was accepted directly into XXXX XXXX XXXX for XXXX school and received and automatic deferral on my federal loans. However, when I contacted XXXX/MEFA, they informed me that my loans could not be deferred, despite being placed in an in-school status. As a full-time student, it is impossible for me to pay the full costs of the loans, which amount to approximately {$1000.00} per month. They will not allow any kind of forbearance or deferral, despite my ongoing education and lack of income. They also will not renegotiate the terms of the loans.This loan corporation 's deceptive practices placed me in this situation.
An apartment complex has sold a debt to XXXX XXXX in my name. However, I was never legally responsible for the apartment, I never signed a lease or any other legal document ; or entered into a verbal contract. While I stayed at the address temporarily, I am not responsible for the outstanding balance. They obtained my information from mail that was sent to the address. There is an individual responsible and that information has been given to the original creditor and XXXX XXXX. Both equifax and XXXX consider the debt verified, however I know that there is no legal connection between myself and the debit, and they will not provide me with this verification. The reporting agencies and XXXX XXXX refuse to remove the account from my report and my next step is legal action