WillisBack/dataset-financial-user-claim huggingface dataset:
Hunt & Henriquez levied my bank account on a fraudulent judgement in California. They are claiming a judgement was filed against me in XXXX of XXXX. I was never served, I 've never received any notices about this case. I 've never heard of the credit card they are claiming the debt. They drained my account in the amount of XXXX and trying to get XXXX} more on XXXX. I called them on XXXX to report fraud. They said they sent it to their fraud dept for investigation and I 've heard nothing since.
Attached are three letters I sent CERTIFIED along with notarized statement proving I am who I say I am. You will see I cited FCRA law stating they have to keep a copy of the ORIGINAL creditors documentation on file to verify that the information they maintain under my name, in my file is mine and CORRECT ... .They respond " VERIFIED '' but they never send me specific information : who did they verify this with? name? contact info? ext number, etc. 

Furthermore, they NEVER provide me a copy of any ORIGINAL documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my legal signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( section 617 ) if they fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


Please review all three letters and their BEFORE/AFTER response. They have not done what has been asked of them They pencil whip me with little changes here and there with NO PROOF OF ORIGINAL DOCUMENT AND LEGAL SIGNATURE. Anyone can apply for credit online without signing my legal name. If it doesn't have my legal signature it is not my account. 



I demand, under my FCRA rights, that all accounts that can not be verified under the law, information provided to me rather than them just saying " VERIFIED '' the account be deleted immediately and a new credit report sent to me with my score. I have played their game long enough. 


Same is true of Hard Inquiries. They have no proof they were made by me. Delete them immediately. I have contacted every company and they agree, " we have nothing on file and no account with us ''
Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
I used Paypal to pay for a large welder which was to be palletized and shipped across several states. I paid trucking co independent of seller. Seller did not bother to secure the welder or any of its accessories to the pallet upon which it was shipped and of course it arrived damaged which cost me many hours of time and a significant portion of the cost of welder and shipping to repair to functional, much less aesthetically the same as when it left sellers shop. I filed a complaint against seller, weeks later Paypal tells me only way to resolve the case was to ship it back to seller at my own cost, after I had already paid the costs to repair machine because I needed to use it and did n't have enough money extra to buy a second welder while I waited on a response from Paypal. I appealed this decision, Paypal contacted seller for their response, seller did not agree to a refund and Paypal told me there was nothing they could do. At this point nearly 60 days had passed so I contacted my credit card issuer to do a chargeback, they have no online dispute process so I 'm forced to mail dispute information and after receiving it credit card company tells me that because they did n't receive it within 60 days of the original charge they are unwilling to do anything to help me. I believe that Paypal deliberately draws out the length of their dispute resolution process to avoid the possibility of a chargeback when they fail to protect their customers from negligent or scamming sellers.
On X/XX/17 I contacted XXXX and verbally requested ACH debit authorization be removed so that my checking account was not debited. On X/XX/17, {$130.00} was debited from my account without my consent. I contacted customer service who saw that I had contacted them the day prior to remove authorization. They told me my only option was to contact my bank the next day, which I did. Now I have to dispute the payment through normal channels with the bank, meanwhile my checking account was overdrafted, causing important payments not to go through and charging me an overdraft fee.
I applied for assistance in saving my home with my servicer, Shellpoint Mortgage Servicing, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork. My attorney confirmed Shellpoint received my full and complete application and all financials on XXXX/XXXX/2015. My attorney called Shellpoint several times for an update after the submission. No calls were ever returned. Shellpoint only returned the calls after the home had already foreclosed. 

I never received any approval or denial letters from Shellpoint until after my home was foreclosed on XXXX/XXXX/2015. My attorney finally obtained a copy of a denial letter from Shellpoint by fax on XXXX/XXXX/2015. My home was foreclosed while waiting for a response from Shellpoint. 

I feel my servicer purposely withheld my denial letter, avoided taking calls from my attorney and did not advise me I was denied in order to evade allowing me the time appeal the decision before setting a sale date and actually foreclosing my home. 

My servicer XXXX set a sale date before my timeline to appeal expired : Denial Letter dated : XXXX/XXXX/2015 ( Attached ) Timeline to appeal per denial letter : XXXX/XXXX/2015 ( Attached ) Sale Date set on : XXXX/XXXX/2015 - XXXX ( Attached ) My real estate attorney states RESPA Regulation X ( 1024.41 ) ( Copy Attached ) prohibits servicers from moving forward with an order of sale while under review or within the appeal period for loss mitigation. I feel XXXX Shellpoint Mortgage Servicing broke the law when they moved to order a sale date on XXXX/XXXX/2015. They should have waited until after XXXX/XXXX/15 to set the sale date. 

In summary, I feel I was illegally foreclosed while I was awaiting a decision on a loss mitigation application. My servicer purposely hid the fact they had denied me in order to evade allowing me to appeal the decision. They illegally set a sale date against me on XXXX/XXXX/2015 during the timeline in which I was supposed to be able to appeal. They did not allow me to appeal the denial by way of hiding it from me. I did not actually receive a denial letter until XXXX/XXXX/2015 ( Attached ), which is after they had already foreclosed me. I am sure Shellpoint XXXX will attempt to tell you that this is all a misunderstanding, but it is very evident it was on purpose.
At approximately XXXX p.m. XXXX on XXXX XX/XX/2018 I received a telephone number while I was attending XXXX   classes ( my full-time job ). The number that showed up on my caller identification was from ( XXXX ) XXXX and was listed as a " telemarketer. '' The female caller asked if I was " XXXX '' and was she speaking to him. I said " yes. '' The female caller ( whom I later identified as XXXX XXXX representing I.C. Systems ) began to tell me that I owed a debt of {$90.00} plus dollars for XXXX XXXX. After I told XXXX XXXX about the 'fact ' that I don't owe this debt and 'vehemently ' deny it being my debt ; XXXX XXXX began to engage with me in a very closed-off manner accusing me of cutting her off from speaking and telling me that she and her company aren't making money from this transaction. XXXX XXXX falsely represented the money she claims is owed to her and I.C. Systems. 

Earlier in 2018 I switched cable providers and informed XXXX XXXX as such. During a series of phone calls between XXXX and myself it was told to me that I no longer owed any monies and my account was " paid in full. '' I moved on. However, I then get contacted by XXXX XXXX who is purportedly representing I.C. Systems ( which when asked for the address of her company I was denied that address ) telling me I owed more money than XXXX claims which is zero! I reminded her that I felt she and her company were just trying to make money and that they had bought ( what she described as a contract ) this wrongful debt and was attempting to take money from me. I also told XXXX XXXX to never contact me again ( as this is a work number and I was in school and it disrupted a discussion I was involved with ). XXXX XXXX did falsely say that the telephone ( XXXX XXXX XXXX was the only number she and I.C. systems had. If that is so, why was the phone number she was calling from state otherwise as listed earlier? The fact is XXXX XXXX ( if that is even a real person ) and I.C. Systems are involved in a racket to manipulate innocent victims into giving them money which is criminal and thus should be punished as such.
My loan was transferred to a company with a horrible record of misappropriating escrow accounts and causing numerous other financial hardships. Do I have any recourse or say in this matter so that I may prevent the same issues from happening to me?
I have received and email from XXXX  on XX/XX/2018 of a complaint I did not submit. They claim that they have investigated this address which I have never seen or have lived in XXXX. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Single family and that Information on this item has been updated as shown above. They have a Report Number : XXXX  Date Generated : XX/XX/2018. I have never lived in XXXX nor been there. I disagree with the out come of this address which I never submitted in the first place. I want this unknown address removed immediately.

Also I have tried to have them remove addresses that do not belong to me.

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX All of these address are incorrect and needs to be removed.
Disputed items with XXXX, Transunion, and XXXX, all three came back as verified. XXXX XXXX XXXX had a write off bad debt. I have called XXXX XXXX about this and asked for the contract signed by myself till this day 4 months later have not heard from them. Sent all three reporting agencies asking for a Method of Verification. Since they verified these accounts during the dispute they should have all the information in there records. The credit reporting agencies had 15 days to send me the information it has gone well past this. I have never done business with XXXX XXXX XXXX so I know these are not my accounts. But XXXX is the only company that has had found them inaccurate and removed them from my report. So how is XXXX and Transunion still reporting these accounts.They never sent me the information that by law they are suppose to within 15 days. The Method of Verification was received by them XXXX XXXX XXXX by both XXXX and Transunion. These are not my accounts and for them to report these accounts on my report is violating the law. XXXX XXXX can not show a signed contract by me. These Items should be removed immediately if they really investigated the dispute like XXXX has done the would see these are not mine. They should be removed on the fact they have gone over the time constraints by law. I want to see how XXXX and Transunion verified these accounts and they need to be removed.
So right after I was approved for the XXXX I opened the box to see my new card. Six hours later all my chase cards in my XXXX were deactivated. I then called the number on the back of card to find that all my accounts were closed!!! So you approve me for a card and then you close it out after I activate the card?!?! I called and spoke with a represintive and she said that the accounts were closed because I 've opend to many accounts within the last 12 months but I would n't have applied unless I knew I could pay down the balacnce and would have never applied for the XXXX if it was going to result in a closure. Rep was n't having it, now that i look back she was kinda rude. Anyways was told that I can call back within 6 MONTHS to see if they would reinstate the accounts. So XXXX are out of commition untill further notice. WHat do I do to make sure that they are n't permantley closed. My scores are XXXX across the board and I am under 30 % utilization on all my cards. No other lender I use XXXX, XXXX or XXXX have done this they have actually increased my credit limits and lowered my interest rates with out me requesting. I 've heard some stores of customers going through similar situations and getting their accounts reopened so I still have the cards they close with little hope Chase will maybe reopen them while I continue to make payments to prevent a permanent closure and others are just telling me all the more reason to hate America 's biggest bank.
Back in XX/XX/XXXX I pruchased a product from XXXX XXXX XXXX ( appliance ). It was a defective product which they refused to correct so I sued them in Small claims court and won judgement in XX/XX/XXXX. Part of the courts ruling was that I was not liable or responsible for the remainder of balance. Although the terms of contract became null and void, XXXX XXXX showed it as a charge off on my credit. This was back in XX/XX/XXXX and XXXX  keeps showing negative on my credit report even though I have disputed this negative report. Because of this XXXX XXXX has lowered my credit limit.
I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX they've turned in their dealer license but I have a loan through the finance company Credit Acceptance Corporation this was on XX/XX/2018 I've been making payments on a car I do not have the dealer has the car and they are out of business as of last week when they turn their licensing after I submitted all my fraudulent complaints on them I still have an issue with Credit Acceptance Corporation I'm paying for a car I do not have
I along with my parents have been receiving phone calls from a debt collector regarding a debt that does not belong to me. I 'm certain that the debt does not belong to me based on a letter I received from Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. The calls came from XXXX & XXXX. They have merely used the internet and available information to connect me to someone I know that owes a debt, but the debt is not mine. This is just a scheme to collect the debt and they do n't care who they collect it from. I want them to cease and desist contacting me.
This complaint concerns my tax bill/monthly payment for my mortgage company Loancare LLC. My tax bill was originally assessed higher as the previous owner rented out the home rather than living in it. I went to the tax office showed proof of residency and got a revised tax bill at the beginning of the year. I faxed this to the loan company and they never changed my monthly amount based on the revised tax bill. I followed up and they said they did not receive it, so I sent it to them again on XX/XX/18 to the e-mail address they gave me. No response. I followed up and they asked me to resend it so I did so on XX/XX/18. Same e-mail address was what was told to me. My monthly payment did not change. I called again and they asked me to resend it again and so I did so on XX/XX/18- I was told to send it to the same e-mail address. I stated in my e-mail that I wanted to ensure I was not defaulting on my loan due to my payment going up and me refusing to pay this amount since I had proof of my tax bill revised. No response. I then heard form my home insurance company that since I had not sent a payment in for my insurance, and I was going to go in to lapse coverage. I called Loan Care and they had no record of my home insurance. I started out with a different Loan company and they had that information and then all my information was forwaded to the new loan company so they should have had that on file. I finally got that resolved and had my agent reach out to them with the information. While I was on the phone for that, I spoke to a supervisor about my tax bill and she finally said she would look into it. Never heard back so I called again and the representative told me that because I did not have proof of this years tax bill, they could not change my monthly payment. I called the tax office and they said no one would receive that information until XX/XX/2018. So I asked how that it was possible I had to have proof of something in XXXX that did not exist? She said there was nothing she could do even though I had proof of the revised tax bill. I gave up and decided I would wait until I got my next tax bill as proof. I then got a letter in the mail on XX/XX/XXXX stating they had changed my monthly payment finally and that I would be receiving a check for the surplus money in my escrow account, which they did send me a check. The same day I got an e-mail from XXXX XXXX letting me know that my credit had gone down due to being default on my loan. I also received a letter in the mail that I was default. I have paid every single month and have proof of that from my bank. Every time I spoke to someone on the phone, they did not tell me anything about being late or delinquent. I have proof that I followed up almost every single month with a revised tax bill with no response. They have now effected my credit and are saying I did not pay one of my months even though I have proof I did. I have complained several times with no action. I know others are getting this treatment based on the online reviews.
A year ago XXXX XXXX to be exact I did a loan with titlemax, I borrowed {$5000.00}. I have been paying like clockwork the minimum of XXXX a month and some months a little more. My principal has not moved. I currently owe XXXX a year later, I found out when I went in to make my payment because I had been doing them over the phone that the XXXX had only been interest. I truly could n't believe this because this was not explained to me at the time of the loan. I 'm on a set income XXXX to be exact I have XXXX kids and medical expenses. This really broke me down to know that I 've XXXX near payed almost XXXX dollars and still owe XXXX. I feel I was tricked, I was told all I needed was title and spent a good portion of the day getting the title changed in order to do the loan,
In XXXX, Countrywide sold my mortgage to your company. My payments were extremely high. I called the making home affordable hotline and we talked with a customer service representative with BOA. We discussed my options, and decided that a modification would be a solution. It was explained that documents would be sent to me to apply for permanent XXXX modification. The documents were sent to me via XXXX. The documents required me to get those documents notarized. I took those documents to my local bank XXXX XXXX XXXX and had those documents notarized by their notary. I then sealed those documents in front of the notary inside the return envelope that was sent to me by BOA. This documents was sent back via XXXX. 
Over the years, I have made several requests for BOA to send me the original contract of the first modification from XXXX. I was always told that you had those documents, and would send me a copy to look at the terms. I have never received a copy. I would like to see where the original contract stated that my modification would only be for five years. I was told that my modification was a permanent XXXX modification in the beginning, and that is what me and the XXXX counselor discussed with the customer service representative. 
On XXXX XXXX, XXXX, I received documents form BOA. Those documents did not include the modification loan contract from XXXX. BOA only sent an explanation of what the terms were. They also sent records of my payment history which show consistent payments throughout the life of my mortgage. My mortgage did not get in delinquent until the terms of my modification changed from a XXXX monthly payment to a {$1300.00} payment after a five year period. I applied for a another modification in XXXX XXXX and my payments went up even higher to {$1300.00}. I was told that it was based off my gross income and nothing else. However, back in XXXX ; I had basically the same gross income as I did in XXXX and in XXXX, and under the first modification my payments were {$720.00}. A modification can reduce your monthly payments and help you catch up with payments, because BOA was able to do that with my first modification loan. 
Lastly, I have been calling BOA to speak with the Home retention counselor who is assigned to me, and I have left messages and my call back number. I have not received any response at all. I was following the instructions in the letter that was sent to me from BOA that stated to call the home retention counselor because they had things in place to help ; such forbearance options etc. No one had gotten back with me even though I call daily.
I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, Experian, XXXX and XXXX that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
I was XXXX XXXX and newly divorced I had to close my business down due to so many financial set backs and having XXXX young children I ended up getting evicted and was homeless for almost a year.I had no permanent address for anyone to contact me and that left me with no ability to contact the debtor and work anything out before it got to my credit.
There is a XXXX credit account on all three of my credit reports that show charge off and late payments. I never had chase account and was never made aware that I am an authorized user. 
The account number on the credit report is XXXX
I disputed on XX/XX/2018 with XXXX  about an unverified account on my credit report from an unknown company named, ERC. The reply I received was the account was verified. I sent a second letter asking them how they verified a collection account that doesn't belong to me? Then, i sent a certified validation letter to ERC on XX/XX/2018 but I have yet to hear back from the company or XXXX. The FCRA gives them 30 days to respond. Still, no response.
Regarding my complaint number XXXX. The Bank of Americas has responded to my complaint. As you can see, it is with contempt for the authority of the CFPB. Both letters were submitted on the same day and previous to your message of XXXX/XXXX/2016 saying they needed 60 days. They modified my loan : the results are the same 9.5 % for {$50000.00} loan.
XXXX XXXX management is reporting that I have have a check that was returned do to insufficient funds this is not true this was a stop payment do to the tires I bought made a funny noise I returned the tires and did not get money back I told them I stopped payment this is not true it was not insufficient funds