WillisBack/dataset-financial-user-claim huggingface dataset:
File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize.<br> XXXX XXXX via XXXX  XX/XX/XXXX<br> XXXX   XX/XX/XXXX<br> XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br> XXXX XXXX XXXX XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX XXXX XX/XX/XXXX<br><br> XXXX   XXXX XX/XX/XXXX<br><br> XXXX XXXX   XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX  XX/XX/XXXX<br><br> These inquires need to be deleted from my credit reports as soon as possible
i obtained legal funding in XX/XX/XXXXof this year initially  personal of {$2000.00} and the purchase of prior funding from XXXX  XXXX XXXX funding company in the amount of $ {$11000.00} for a total of {$13000.00} in personal and medical funding. purchased by Thrivest legal funding. this was XX/XX/2018 in addition to this amount they funded a XXXX in the amount of {$68000.00} the XXXX wa never done and the money was returned in full to the company. so the amount of the payoff at legal interest rates and origination fees should be no more than {$19000.00} at an interest rate of 25 % for 10 months and an origination fee of {$1000.00} dollars for purchasing the previous funding and additional personal funding. I signed the contract in New York and I completed this transaction in New York State at my attorneys office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The company is now stating that my payoff amunt is {$40000.00} fdollars and refusing to provide breakdown detail and is trying to include the funds that were returned. All verified by XXXX XXXX Ny XXXX XXXX VP of finance XXXX XXXX and the Doctors office of XXXX XXXX. They are holding me up from getting my funding elswhere and telling me if I have such an emergency just let them buy out the amount it is not legal that is like a loan shark and predatory. XXXX XXXX XXXX was prosecuted in New York under federal court for the same activity.
The student loan company has my correct contact information. I have spoken with several representatives in the last month and have verified my telephone number and address numerous times. The company continues to harass my family and friends even though they have my contact information. The harassment has expanded to my extended family and now at my place of employment. There is no reason the company should be contacting anyone else but me. They have all my contact information.   Additionally the company is giving myself and my co signer incorrect loan information and they have taken money out of my account without authorization. The representatives call and state the loan is in default but payments have been made monthly for the past year as part of an agreed payment plan. The customer service has been horrible.
I have a mortgage with Nationstar Mortgage. In the middle of XXXX, I received a bill stating that my payment would go up beginning on XXXX XXXX, 2017 by {$220.00}. On XXXX XXXX, I sent in my regular payment of about a {$1000.00}, but they refuse to deposit it on my account. They are stating that they can not deposit it because the check has been suspended until I send them the updated amount. I am on a fixed income and I live with my sister who is on social security XXXX. We can not afford to pay this type of an increase without having prior notice to prepare. 
They are now stating that my mortgage is going to be reported on my credit as late, when I paid them what I always pay on the first. I do not understand how this is ethical. According to information on the Federal Trade Commission website, it states that the servicer must give me a statement that clearly itemizes the estimated taxes, insurance premiums and other anticipated amounts to be paid over the next 12 months, and the expected dates and totals of those payments, which has not happened. 
They are now also making me work through their bankruptcy department, which I am fearful will add additional expenses to my account. Being retired on a fixed income and living with a sibling who is XXXX, it is very hard to make ends meet, much less taking on a new expense without sufficient warning.
Lender illegal reported to my credit as a auto  REPO  when I never got my vehicle through the this company. I still have my vehicle NEVER repo I OWN it.  Regency Financial turned  my money loan into a  AUTO REPO. because they figured they would n't get their money back. From this unlawful report Im ' unable to get a car fo r my family because it says repo!
On XX/XX/2018, XXXX XXXX XXXX reported a negative trade line on my credit report without sending any verification in regards to the CCLR report standard form 750 claims collection litigation report Sec.904.2 of the federal claims collection standard 31.CFR900-904 is a requirement relating to particulars in the amount of {$46000.00} and {$33000.00}. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they must have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York general business law sec 349-Deceptive act, sec 380S-Identity theft and title 15U.S.C.Sec.1632-form of disclosure ( 2 ) creditor to provide contracts to the bureau. As defined under the title 18 U.S.C.Sec 1030-Access devise the reporting agency did not follows the laws under title 15 U.S.C.1681 S-2 ( a ) - duty of furnishers of information to provide the accurate information Attachments area
I have the same bill reported XXXX times on my report. 
Act # XXXX & XXXX are duplicates. 
Med XXXX XXXX XXXXXXXX {$290.00} XX/XX/XXXX-XX/XX/XXXX
I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX   report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   CB ' s requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court stating that they do not verify ANY public records to the credit bureau. So this makes 2 letters back with 2 different storie s about how they allegedly verified this information of which both are inaccurate. On  XXXX   XXXX , I called the  XXXX  credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This  is MY credit  file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done  the job right the first time I would n't have had to request this   a 3rd ti me. I will also be sending copies of this to the BBB and the Attorney General for review.
I have notice credit enquiries on my report that i did not authorize, which resulted in a significant drop in my score. 



XXXX XXXX XXXX All Banks - non specific XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX Specialty Clothing Store XX/XX/XXXX Yes XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Yes XXXX/XXXX XXXX Credit card and travel / entertainment companies XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes XXXX XXXX/XXXX General Clothing Stores XX/XX/XXXX Yes XXXX XXXX National Credit Card Cos. 
XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX Auto Reseller XX/XX/XXXX Yes XXXX/XXXX Department And Variety Stores - non specific XX/XX/XXXX Yes
I got scammed in XX/XX/XXXX. The scammer had me made payments to her Bank of America account on XXXX different dates : XXXX/XXXX/2015 for {$6800.00}, XXXX/XXXX/2015 for {$19000.00} and XXXX/XXXX/2015 for {$16000.00}. The account 's holder name is XXXX XXXX. I filed a fraud claim with XXXX XXXX on XXXX/XXXX/2015 but no replies from the fraud department. I also had filed police report, FBI report ( IC3 ) and FTC report. Since I did n't get the diplomatic package in the mail as promised, I should get my money back. The whole thing was a fraud.
I disputed with the creditor directly ( see attachments ), in XXXX, XXXX. Received letter dated XXXX XXXX, XXXX, in regards to dispute. Letter states account is being reported correctly. Account was " updated '' within credit reports, yet the information reporting is now more " incorrect '', than before. 
I contacted creditor on XXXX XXXX, XXXX, in regards to paying off my account. I was informed the account was already closed. This is when I decided to pay the account in full. Account became late, due to divorce proceedings. Creditor waived late fees, as well as interest accrued. Account was closed by credit grantor, not by consumer, as being reported. Also, the opening date of account varies. Date of status is incorrect, as final payment was received XXXX, XXXX. Recent payment is no longer reflected in report, and is reporting paid and closed. Also, in original letter to creditor, I emphasized any and all contact to be conducted by postal mail. Creditor is asking for me to contact via telephone, after the fact of notification.
Three times we have requested info on the XXXX program. On XXXX/XXXX/16, I was put on hold by Ditech for over two hours. They were sarcastic and talked to me with a slow, XXXX tone as though I was a child. I asked to speak to a manager. He did not know any XXXX info. I simply wanted to know the required loan to value ratio. They are unable to furnish any info about my loan. This is a horrible, rude company with no customer service. They are incompetent.
I am trying to rebuild my credit and it seems nothing is ever removed or corrected with the  XXXX  credit reporting agencies I reach a score then I receive a notice that my  credit score  has dropped  XXXX  points or  XXXX  and have the sam e collectors  just year after year still appearing on my report I am a veteran and have a  veterans home loan but  I can never seem to reach the  credit score to obtain a loan it 's been 15 to 18 ye ars that these debts have been on my report
I sold my house and paid  XXXX   XXXX  the full amount of the balance due for the mortgage and the equity line of credit in   XXXX  2015.  The bank reported it as repossessed or foreclosed. I sent the  XXXX  credit reporting agencies a copy of th e HUD1  from the home sale indicating that the bank was paid in full. The credit reporting agencies did not fix it. Multiple calls to the bank were unsuccessful in correcting the situation and it has been affecting my credit f or two years  now. I am unable to get this fixed. Please help.
I tried writing this Collection Agency numerous times with the attached Hereto correspondence., The phone bill in question was paid in full before the collection process., I requested on two seperate occasions full Validation of the debt., All they provided to me was a copy of a phone bill., Under the Fair Debt Collection Act., I requested and did not receive the following An explanation of what the alleged account balance was for A calculation of the balance., Including the complete payment history on this account so that I have proof that this amount is correct Documentation that shows I agreed to pay this debt The agreement that grants them the Authoruty to collect on this alleged debt. 

A copy of their state license including license number
Navient says they do not allow income based repayment on my signature student loans however signature student loans, thought private, are backed by the federal government. Loans backed by the federal government are supposed to be eligible for IBR. Why is it that I am not allowed to take advantage of this benefit with my private but federally backed loans?
Today  XXXX  XXXX /2017 this collection account popped up on my credit report. I have never done business with this company nor do I have a contract wit this company. I as a consumer have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report today and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems, I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to. THIS IS A CLEAR VIOLATION OF Credit Systems illegally placed information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm   XXXX   XXXX   XXXX  . I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION
I have written and sent a check to Walmart/SYNCB back in XXXX. I have called Walmart Credit Card services multiple times. The first time an employee hung up on me and the second time the manager had told me she would contact me once she found anything out. The company billing manager never returned my phone call. I called yesterday X/XX/17 and the billing manager XXXX was denying my payment. I have a copy of the check that was written and it was cashed XX/XX/XXXX. The payment must have been submitted to the wrong account but Walmart is not admitting to their mistake. I faxed over a copy of the check and the back of the check stating it was cashed. I am not sure what else I can do. I sent a check to pay off the card but they are telling me they have n't received it. I have proof stating I have and it 's been cashed. It is putting my account past due and going to show on my credit report.
COMPLAIINT : WELLS FARGO N.A, WFHM, & XXXX XXXX TRUSTEE SOLUTION IS IN VIOLATION OF NOTICE OF TRUSTEE SALE OF MY ( XXXX XXXX ) PROPERTY LOCATED AT : XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 
NOT RECEIVING PROMISSED LOAN MOD DOCUMENTSSERVICER REFUSE XXXX TO ACCEPT MY PAYMENTS DEFECTIVE PAPERS ARE RECORDED WITH XXXX TRUSTEE SERVICING SOLUTION, LOST THEIR TRUSTEE RIGHTS TO XXXX ( TRUSTEE OF XXXX ), CHANGED NAME OF THE ADDRESS & SUBSTITUTION TRUSTEE NOT FILED CORRECTLY, NO RECORD WITH STATE OF CALIFORNIA OF SUBSTITUTION TRUSTEE. 
NON DISCLOSURE OF DOCUMENTS & VIOLATION IE :. 1-XXXX BALANCE SHEET 2-XXXX OID REPORT 3-XXXX REGISTRATION STATEMENT 4-XXXX PROSPECTIVE 5-XXXX & XXXX XXXX SCHEDULE 6- FULL ACCOUNTING & VERIFY STATUS OF AN " UNCONSCIIONABLE CONTRACT '' .7- VIOLATION OF DUAL TRACKING -I WAS IN LOAN MODE WHEN WFHM SEND LETTER OF -NOTICE OF TRUSTEE SALE, NO DENIAL LETTER / APPEAL LETTER /RIGHTS OF THE TRUSTOR / BORROWER WAS SEND. 8-VIOLATION OF THE SECURITY FIRST RULE 9-WRONGFUL FORECLOSURE 10-VIOLATION OF THE XXXX FDCPA 11-VIOLATION UNDER B & P CODE XXXX ET SEQ :., NO RESPOSE TO MY NOTICES, OBJECTIONS AND DEMAND LETTERS DATED XX/XX/2015 & XX/XX/2015 12-THERE IS NO DELINQUENCY OR DEFAULT -LENDER HAS BEEN PAID IN FULL 13-JUDICIAL PROCEEDING IN WHICH ALL PARTIES ARE INCLUDED WILL PROVIDE FAIR DETERMINATION OF THE RIGHTS, OBLIGATION AND TITLE TO THE PROPERTY, MORTGAGE AND NOTE. TITLE AGENT SAME AS TRUSTEE HAS INSURANCE FOR ERROR AND OMISSION THAT ISSUED THE POLICY WILL HAVE TOTAL LIABILITY FOR THIS FRAUDULENT TRANSACTION. 
XXXX-VIOLATION OF CCC XXXX, XXXX XXXX, HBR, OCC & IFR . 
TO AVOID LITIGATION SOLUTION FOR THE PROBLEM IS THAT I WAS APPROVED HAMP AND PAID {$1800.00} FOR 9 MONTHS IN GOOD FAITH, I LIKE TO HAVE THE SAME DEAL, SO ME & MY FAMILY BE A GOOD CUSTOMER OF THE WFHM AND IN SUCH WAY BOTH PARTIES WILL AVOID EXPENSIVE LITIGATION AND ALSO MY LAWYERS AND CONSULAR GAVE ME THE ADVICE THAT RE ENTERY DEPT. XXXX XXXX XXXX IS NOT COOPERATING AND VERY RUDE IN HIS DECISION AND HE IS NOT GOOD FOR BOTH PARTIES. 
I HOPE AND REQUEST THAT WE SHOULD GET SOME REASONABLE PERSON WHO CAN UNDER STAND BOTH PARTIES AS CASE MANAGER IN THE RE- ENTERY DEPT :. 
I XXXX XXXX & FAMILY SUBMITTED ALL LOAN DOCUMENTS AND REQUESTED TO CANCEL / RESEND /POSTPOND SALE DATE. I HOPE YOU WILL UNDER STAND BOTH PARTIES POSITION AND INVESTIGATE THE MATTER, WHICH IS BEST FOR BOTH THE PARTIES. 
THANK YOU. 
XXXX XXXX
Why do Homebuilders not allow borrowers the right to choose a different mortgage lender than the XXXX they force yo to apply with.? It is unfair practice to force you to use their lender in the process to buy a home. 
Toll Brothers, XXXX, and XXXX XXXX engagin this restricted practice.
My ex spouse 's address is showing on my credit report, and I have never lived there. He is likely trying to steal my identity. He just moved there, and I have been divorced & living away from him for years. Please delete this address and any connected activity from my credit report : XXXX XXXX XXXX, XXXX, CA XXXX
I have a XXXX XXXX credit card though Synchrony Bank which I rarely use. I made a small purchase in XX/XX/2018 because the store offered 50 % off if I used their card. I only realized yesterday that my account is past due. I did receive monthly statements via email and I acknowledge I didnt open them because I dont use the Card and some credit cards send a statement if you have no balance. Beyond the statements, I never once received a payment reminder or communication that my account was overdue. Even when I go back to the statements and my online account now, there is no indication or alert that the account is past due. When I called the credit card company today to rectify the situation ( I have been charged {$78.00} in late fees and my credit score has been impacted ), I found out that I had been sent to collections. Again, there has never been any communication that my account is past due and the rep acknowledged this on the phone and confirmed the monthly statements via email were the only form of communication I had received. The rep would not refund the late fees, but my biggest concern is the impact to my credit score which was over 800 before this happened. If I had received communication that my balance was due/overdue I would have paid immediately. The charge was {$33.00} and I could have very easily made that payment. I dont think I received adequate communication from Synchrony bank and have been impacted negatively in terms of late fees and credit score. Not so paid the full amount due including late fees yesterday as soon as Inrealized what was going on.
this was a car loan made which i was a co signor. The car was later repossessed. it was then sold, and the company which is exeter finance removed it from my wifes credit but not my own after disputing many times.
I contacted this agency because they are stating that I owe a balance on behalf of their client. The client ( XXXX XXXX XXXX XXXX ) went out of business. The hospital XXXX XXXX Hospital stated that they have nothing to do with Procollect and do not have a claim against me. I contacted the insurance company ( XXXX ) and they stated that they never received a claim for this alleged bill. I requested the name of the physician who has placed this bill in collections and Procollect would not provide that information. This company will not provide me with the original account information nor will they provide me with an account number. I believe that they are fraudulently trying to collect on old accounts that no longer exist. My name was previously XXXX and when I visited the hospital XXXX/XXXX/2015, I had full insurance through my employer who was XXXX at the time. I have never heard anything about this alleged bill or account until just recently.
Opened " XXXX XXXX '' account in XX/XX/2018 in my name. Funded it with {$100.00} from my credit union 's checking account in my name. Without notice, warning, or explanation the account became blocked. After chatting it up with extremely professional customer service representatives I had the account unblocked. Why did it get blocked in the first place? It remains a mystery to this day! Decided to use the online bill-pay to test it out. Paid XXXX XXXX, XXXX, & XXXX. All credit cards. All in my name. The payments went out. Then I received an e-mail from XXXX XXXX stating that I had sent them a payment which came back " insufficient funds. '' I thought it was a phishing attempt or spam, because I had more than enough money in my account to cover the online bill-payments. It turned out my " XXXX XXXX '' account got blocked again! Thus causing all the credit card payments I had made to come back as " insufficient funds '' which is not true. I had and have sufficient funds. " XXXX XXXX '' whether knowingly or not, whether on a technicality or not, did not tell the truth about my financial status to my credit card companies. In defamation and libel cases, even if there was no intention on the part of " XXXX XXXX '' to have done this - it is no defense under the laws of the State of California. So of course, I called up " XXXX XXXX. '' I was told my account got unblocked and the payments would get disbursed to the payees, and not to worry. Well of course, that didn't happen. The account got blocked again, or I was misled. Because of " XXXX XXXX '' - payments bounced to XXXX XXXX, XXXX, & XXXX. I have had good positive relationships with those credit card companies. Then this happened! I even received a letter from a company called " XXXX '' about these " insufficient fund '' transactions. All of these different counts of defamation and libel. It was and it is simply not true. I called " XXXX XXXX '' up and was told someone would get back to me. They never did. No call from a supervisor. No " bedside manner. '' None of it. I probably would have been okay with some kind of resolution from a higher up at " XXXX XXXX. '' But that didn't happen. I wrote a letter to " XXXX XXXX. '' No response. Then I stepped it up with a demand letter. A response from an " XXXX XXXX '' in XXXX XXXX XXXX. Now I wait. I do not want anyone else to go through what I have. It is not worth it. This is not the same " XXXX XXXX '' that the XXXX family put into place. To say I am disappointed is an understatement. I am sad. 

Your Desired Resolution : {$10000.00} and a handwritten apology from a " XXXX XXXX '' executive.