WillisBack/dataset-financial-user-claim huggingface dataset:
The notice of sale was recorded on XXXX XXXX, XXXX, which granted XXXX to the above-mentioned property. The previous owner on title XXXX XXXX vacated and abandoned the property two months prior, due to a fire on the property that caused substantial damage, which made it inhabitable. The city has condemned the property and has filed a lien against the property current owners XXXX which has been working with the city to remediate issues with this property. 
Deutsche Bank has a track record, of contributing to urban blight by neglecting properties in high-impact revitalization zones. There are also some discrepancies with the recorded documents and no notice given to current lienholders in regard to XXXX banks attempts to foreclose on said property. The initial deed of trust was recorded on XXXX XXXX, XXXX with the lender being XXXX XXXX Mortgage Company, and XXXX XXXX Mortgage Company as trustee as well. This was a no-money down predatory lending loan that was offered by XXXX XXXX mortgage at the time, there is n't any bearer bond or any other instrument showing beneficial interest transferred over to XXXX XXXX or its subsidiaries. So the transfer appears to be invalid, and under California homeowner 's law must be validated. 
Lastly, the notice of default filed by Deutsche bank says that notice was given to homeowners, which is incorrect because property is boarded up and has a gate surrounding the property because of it 's hazardous condition and homeowner has n't been around in over three years.
Around noon of XX/XX/XXXX I received a call at home from Transworld Systems. My phone would not disconnect from them and kept my answering machine on for some time. When I came in the house I heard the sounds of a boiler room, many people talking to others. I could not disconnect from them no matter what I did. I called them from my cell phone, gave them my home phone number, and they asked to speak to XXXX.I know no one named XXXX. They refused to identify themselves as a collection agency and said they did personal business. They disconnected from my home phone while I was talking to them on my cell phone. I told them not to call me again and they said they enter my home phone as a mistake. 
How they rigged the phone to not disconnect is certainly a harassment technique and should be illegal if not. My answering machine has minutes of noise and no message because of this. Transworld Systems is certainly wrong in calling me by mistake and wrong in their abuse of the phone system.
The company keeps calling me repeadly. I have spoken to them on the phone and ask them to stop calling. they are calling me during my work hours and from then on. They get you on the phone and say imprper and unprofessional things. I dont owe this company anything. and i have asked them to stop calling both of my cell phone numbers. I feel like my rights of a consumer that owes them nothing is being violated. I have considered changing my cell numbers however they are both tied into my jobs. The company calls back to back to back and it's desturbing. Someone should do something about this.
IDEAL COLLECTION SER ACCOUNT NUMBERs : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you IDEAL COLLECTION SER or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : IDEAL COLLECTION SER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
My husband was diagnosed with XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX after a check up at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ XXXX. He was laid off of his job and stayed XX/XX/XXXX and XX/XX/XXXX in AZ receiving daily XXXX XXXX. He was able to draw unemployment and I am very secure in my job but it was n't enough to cover the truck payment or mortgage. We started a process with Caliber Home Loans for assistance and asked for a loan modification or extension, this went on for 3-4 months with the final result being that they were unable to help us. So it was n't that we were not paying our bills we were unable to pay them and asked for help with no good result in the end. We are not dead beats I have had my job for 8 years and he had no choice with the XXXX XXXX. Caliber Homes told us they would help us since we filed tons of paperwork with them that it would not effect our credit but obviously that was n't true.
XXXX has been non-compliant with removing the unverified account DIVERSIFIED CONSULTANTS INC Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that DIVERSIFIED CONSULTANTS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
there are 16 inquiries don't belong to me and i called XXXX XXXX and they told me to file complaint here. i am VICTIM of their inquiry issues
I have a credit account with Paypal. I ordered an item from them and was unaware that I had reached my specified limit on my account. They attempted to process the charge and posted it as a negative ( {$33.00} ) to my account when it should have been declined. 

In turn I never received the stated item that I had attempted to purchase and thus reached out to them to dispute the purchase. I have never heard anything but have continued to pay my bill on time every month. 

Recently I was locked out of my Paypal account. I attempted to contact paypal and was forwarded to a collection agency. 

It appears to me that they took the amount disputed and sent it to collections without processing the dispute. Now when I call their customer service they route me directly to the collection agency who is unable to do anything but set up payment
I do n't have any judgement in XXXX, XXXX in the amount of {$3300.00} as stated on my credit report.
XXXX is a company of XXXX and XXXX XXXX  up my credit score. I have told them many many many times to stop sending bad debt to their credit vendors. I purchased an item mistakenly through their XXXX XXXX Synchrony Card, I asked them to transfer it to my regular credit card, I contacted them. They claimed they were going to do it but did not. Finally, they sent the garbage debt to XXXX XXXX. XXXX refunded my amount for troublesome purchase but did not tell Synchrony to refund my purchase. What Kind of a sellor Store vendor refunds, but does not notify their credit card? Then I try opening a login account with Sychrony many many times. I had trouble with logins and passwords, additionally i did not receive an account statement. After many problems, I received bad debt for an issue I got a refund on???? XXXX  sent it to all credit bureaus, XXXX, XXXX, XXXX. XXXX even sent me a letter acknowledging bad debt and refund, but did not tell Synchrony. I said if you send bad junk and libel and slander, you clean it up. On top of this, they were laughing at my XXXX last name, they are very XXXX, what kind of a company laughs at the name of immigrants? If they do not contact the three credit bureaus, XXXX, XXXX, and XXXX and cancel my debt with Sychrony I will contact Civil Rights Commission and think  about next step on how mortgage is denied. Frauders and liars.
We purchased a car through Nissan Motor Acceptance Corporation on XXXX/XXXX/XXXX and scheduled our first payment to be due on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, we enrolled in SignatureDIRECTPAY by printing the online form and submitting to XXXX via XXXX as instructed, for automatic monthly payment deductions. It states on the website " It is important that you continue to make payments on your account until you receive a notification letter with the start date of your payment deductions ''. XXXX processed the form on XXXX/XXXX/XXXX. We did not receive a confirmation letter via XXXX but it states on my XXXX account under the Payment Dashboard section " You have a SignatureDIRECTPAY of {$650.00} scheduled for XXXX/XXXX/XXXX ''. As of XXXX/XXXX/XXXX they had not deducted the payment from my account so contacted customer support and was told " XXXX is scheduled to start on XXXX/XXXX/XXXX, so you would need to make your XXXX payment manually '' and " XXXX is activated within 15 days of us receiving the automatic payment documents ''. The customer service rep said " Your state has a XXXX window of opportunity '' so an option for me was to wait and see if the payment posted. I have read many forums about how XXXX does this to their customers and how they will charge interest as well as report a late payment to credit companies, which will affect my XXXX XXXX. I setup XXXX to avoid the fee XXXX charges just to make a payment. I looked on my account to see what the fee would be and received a " Additional Payment Warning XXXX '' stating that I had a payment scheduled or in process and to refer to the Payment Dashboard. The customer service rep said his supervisor was not available today but would contact me in XXXX business days.
I have been trying to consolidate my loans to enter an income based repayment plan. However, the National Student Loan Database ca n't find my loans. We *think* this is because my information has not been corrected since I got married and changed my name ( 8 years ago ). For months I have been fervently trying to correct this, but NSLDS keeps sending me back to my servicer ( who swears up and down my name has been changed ) who keeps sending me back to NSLDS ( who swears up and down the information is still incorrect ). I 'm so frustrated I want to cry. 

Also, my servicer, without any prompting on my part or any clear reason why, suddenly changed my loan with only 8-years left of payments on it to a new 20 year term. I only received a generic form letter telling me my loan terms had changed with absolutely no explanation as to why this had happened. When I called my servicer I had to try XXXX different representatives before I finally found one who could vaguely explain the issue. ( Apparently they did a review and discovered that my I unsubsidized loan and my subsidized loan had different terms, so that triggered some sort of reset ). These types of things make me very nervous. Federal loans are complicated enough as they are. How can I trust that my loans are being handled properly?
my son was still at tending college and they wanted me to start paying back on the loan. I originally started with   XXXX   XXXX   and  it was sold to Navient. They raised my interest rate and when my son was still attending school they wanted me to start repayment. when I called and they said I could defer they never told me the interest was continuing and the rate was going up.   I feel I was mislead in the agreement of the loan. my interest rate was not 8 % when I w  as with   XXXX   XXXX  .
I feel I was mislead with the terms of thi
s loan as with the interest rate being raised. <P/><P/> s
XXXX XXXX trying to collect a debt not owed by me but they have put a negative identity on my credit reports on XX/XX/2018 this debt was paid a long time ago
I 've reviewed my statements from Navient for the life of my loans. They have added interest and charged interest rates while I was on Deference that they are unable to explain, justify, or give an account for. This has added to my debt and has prevented me from repaying the principle payment down, as my interest payment is higher and/or more dedicated from my payments to my loans per month, even with a 3.5 % interest rate. In addition, while I have taken several Forbearances on this loan, I specifically asked a Navient Representative if I can re-apply for a deferment where my XXXX of my loans does not accrue interest. I was told that program ( non-interest bearingDeferment ) does not exist any longer and have been misled into interest bearing forbearance. I have attached the documents necessary to show the odd and predatory interest rate charges that do not adhere to mathematical or ethical standards for the life of this loan. 
This is a predatory lender and they steer into interest accruing forbearance to keep the lender in debt for longer periods of time. My circumstance for the forbearance allowed for an actual deferment, not interest bearing forbearance.
XXXX XXXX ( DOB XX/XX/XXXX ). Today on XX/XX/XXXX I had called Experian to follow-up on the process of my disputes. I originally contacted Experian and wrote them a letter via mail asking them to dispute three accounts on XX/XX/XXXX. They sent me a letter back on XX/XX/XXXX asking me to confirm my identity. The following day I sent them back a copy of my social card, a XXXX XXXX XXXX bill and a copy of my id in which they received it on XX/XX/XXXX. It is now XX/XX/XXXX and I have not yet heard back from Experian. As the Federal Credit Reporting law states- ( FCRA , 15 USC section 168 li : failure to investigate these accounts within a period of thirty days will result in a non verification which requires that the above accounts be  immediately removed from my credit file. The lady that I spoke with was giving me the run around about an XXXX XXXX XXXX XXXX WA XXXX, which has nothing to do with the law. This address was reported to the Credit Bureau because they had to run my credit in order for me to stay here for the last six months. I have stated in my letter and on the envelope after XX/XX/XXXX I will no longer be residing there because my lease is up and due to this issue I will be homeless so all my mail is being forwarded to the post office. I have yet to receive anything from Experian through the post office as of today and prior to today. Then I had asked to speak to the supervisor and she had hung up on me. Therefore, I am making a complainant and hoping that you can help me resolve this issue. Attached is my letter of the items that I want to be removed from my credit report immediately. 

Thank you, XXXX XXXX
This is regarding XXXX XXXX , XXXX at XXXX - This account is still being reported to the Credit Bureau ... XXXX & EXPERIAN. This account is closed long ago and still showing on my report. Account opened in 2005 ... .Bureau notified but will not delete this account. All the bureau does is verify the data and keep it on the report. Nothing to verify ... ..Account closed for over 10 years. Please have XXXX & Experian remove the account - XXXX did comply and removed the account from my report due to the AGE of the account - No more valid or serving a purpose to keep having this on my credit report. This is a violation to continue to report this very old account. Thank you ... ..
I received a call from  XXXX   ( d iversified consultants inc ) claiming that my account with  XXXX   XXXX  was in collects and I need to pay them today since the now have my debt. I advised them I 've never had   XXXX   service and they claim it was actually  XXXX   XXXX  which I 've never had either. I asked the man how he could ask for payment from me when he has n't even verified who I am other than asking my name? His explanation was that I gave him my name so I must be that person. I told him either the claim of a collection is false information or your committing fraud by trying to get me to pay you for a fake collection. He then said they would n't call me anymore and hung up on me, but If I owe you money why would n't you just verify the details for me? They clearly knew that I did NOT have a collection and the entire call was a scam to get money. I 've never had a collection in my 18 years of having credit and this was a attempt to illegally collect money
Loan Depot lured me with very good rates, " locked me in '' on good refi rates for my home and my rental property and then requested supplemental information repeatedly all under the guise of XXXX and XXXX requirements. I turned all their info requests around within 2 business days. Their last info request questioned my " ownership '' of a rental apartment I had rented from XX/XX/XXXX to XX/XX/XXXX and my " ownership '' of the building that houses my former employer, XXXX! These kinds of questions had gone on for about 3 months and then, when they finally approved both refis, they indicated that the rates had gone up. It was a classic bait and switch. I declined their revised rate offer, but they should not be allowed to do this to others.
XXXX XXXX, 2015 I sent a letter to Rickman and Rickman to validate these debts. I received a reply containing statements that have incorrect information and still unsure about these accounts. XXXX XXXX, 2015 I sent another letter stating I want these debts validated XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not hard back from them since the XXXX XXXX, 2015.
XXXX XXXX sold my mortgage payments to Seterus or XXXX and they are trying to foreclose my home saying iam two or three payments behind when iam not.Everytime I talk to them add a month and saying I owe {$2500.00} for two payments and my house payment is $ XXXX.Two payments is about $ XXXX.I believe they 're trying to rip me off.I know they 're trying to get more monies off me andy family.
Well starting XX/XX/18 Sps XXXX XXXX is increasing my interest rate on my mortgage from 6.750 % to 7.250 % so that increases my mortgage from XXXX XXXX to XXXX. I feel that's too high of a increase in my interest rate for my mortgage it seems like they're trying to really balloon my payment now and it's going to take me forever to pay off this mortgage loan they have silently increase my interest rate I don't think it's good for me or any consumer that has to pay more than their fair share are there mortgage I pay on time every month with no problem thanks. XXXX XXXX
I have written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.
While working through the Loss Mitigation process, I was offered a sale opportunity of my property. During the process, I continued with the Loss Mitigation efforts in case the sale did n't close. At the time of closing, the payoff statement that I was given was deemed to be short and funds were held up. The short payoff was due to the loan proceeding to Foreclosure after it had been deemed complete by Quicken loans. This constitutes dual tracking. I submitted a request that all notes and a complete itemized list of all costs and fees incurred be mailed to me at my new address. This was submitted nearly 2 months ago and still has not been complied with. Please investigate this process and advise me of the outcome. My loan # with Quicken was XXXX for XXXX XXXX  The property address was XXXX XXXX XXXX XXXX XXXX IL XXXX
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account. 
Item # 1 : I dispute XXXX - XXXX, I have enclosed the XXXX Cancelling the debt. Please delete this account XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts is fraud and should be deleted Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX Account number XXXX .... 

Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX XXXX XXXX Account number XXXX .... 

Account name XXXX XXXX
Continuous phone calls several times daily-now calling siblings at work. Payment is not over 30 days. Repeatedly asked not to call.
Car was my moms not mine and still showing on my credit history. Called XXXX multiple times and keep getting the run around. They called and harassed me many times and I had to change my number.
An XXXX XXXX account appeared on my credit this account was opened frauduantly and I sued the car dealer and XXXX XXXX and was found not liable. Illinois attorney general office was involved law enforcement and the court system for consumer fraud trans union and XXXX  all removed this item because its not mine it was obtained fraudulently. But for some reason Experian doesn't understand the meaning OF FRAUD. I have reached out to XXXX XXXX but they cant help me because they cant verify information on account and as part of my settlement they cant even talk to me.
In XXXX, 2017, I entered a written dispute with XXXX XXXX XXXX XXXX  reference account number XXXX as contained on my consumer credit profile at Equifax, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX XXXX XXXX was attempting to collect a debt for which antiquated my credit profile by more than 7 years. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. 


XXXX XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX XXXX XXXX XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 


A review of records compiled by the state Division of Financial Services in Florida indicates that XXXX XXXX XXXX XXXX is not currently licensed to conduct business pursuant to section 559, Florida statute. As such, the imposition of this debt and the erroneous reporting to Equifax, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 


Several phone calls to XXXX XXXX XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of antiquated reporting. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my Equifax, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of antiquated reporting.
CRA violation no knowledge inaccurate accounts on my Experian credit report. FTC ID Theft report # XXXX