WillisBack/dataset-financial-user-claim huggingface dataset:
A collection agency by the name of AFNI showed up on my credit in the amount of {$1300.00} in or around XX/XX/XXXX/XX/XX/2018. I disputed the amount at that time and requested for them to validate the debt by showing my original signature and contract showing this amount. I have no contract or signed any documents with AFNI. I also requested validation of a contract between them and the original creditor. I was informed they did not have information on the account and it would have to come from XXXX. XXXX no longer has the account and they are not reporting it. I again requested validation of the debt in or around XX/XX/2018 and was again informed they have no information on the account. I called on XX/XX/2018 in one last attempt requesting validation of the debt and was informed once more, that they have no information and can not pull my file. AFNI has failed to validate this debt or provide any documentation with my original signature or contract within 30 days I request for this collection to be deleted off my credit report.
We have been in refinancing process since XXXX XXXX, 2016. Our Loan officer is XXXX XXXX XXXX number XXXX. We have done evrything required in our part in a timely manner. We want to refinace to lower our interest rate not to pull out money. We thought it would only take about two months since everything is good our credit scores i payed off a medical bill which they did n't let me know until about 3 wks ago. So I payed it off. I keep calling texting my loan officer no response we are close to closing our loan but he does n't call us or get in touch with us. It 's not fair our time and money are valuable. He has extended our interest rate twice and I think is prolonging it to give us a higher rate since interest rates are going up. Please help, I do n't know what else to do.
I am trying to short sale my property, the Lender is Banco Popular Puerto Rico. I hired a Real Estate Company and the real Estate broker has a remote Short Sales ' processor/negotiator. 

BPPR won't grant my third Party Authorization, it was originally faxed and e-mailed to the bank and the bank 's employees requested to bring the paperwork in person. 

My Realtor and I walked into the bank on XX/XX/2018 and handed the Listing Agreement, the Purchase Agreement and the Third Party Authorization form to XXXX XXXX her phone # is XXXX, email : XXXX the lender still won't grant the third party authorization.
Hello, I recently gotten my capital one secured card closed for missing a payment or 2 I didnt know about Ive gotten no emails no calls ect and I didnt know of the payments or payment I missed. So I recently gotten ahold to my amount I owed my credit card company and I paid my amount if full which was XXXX dollars and they restricted my account then once my payment cleared with my bank they closed my account unknowingly, and it made my bank account go into overdraft. I called them to see why they would do that once my payment cleared and saw that I tried to pay it off then just closed it and they couldnt give me an answer, but they told me thank you for the payment then disconnected my call.
Kohl 's is reporting a fraudulent inquiry that I never made on my account online on XX/XX/XXXX. I was at work at the time this supposedly happened. I would never request an increase online to any company. My computer was hacked a week prior to this in which I purchased a new computer in which 2 of my credit accounts were compromised. I never requested an increase on my credit card because I had a XXXX balance and hardly ever use the card. They even had the wrong email address. I tried calling about this several times and submitted letters but no resolution. I received a letter claiming that their information is correct. The police will not make out a police report on inquiries. Kohl '' s knows this and this why they refuse to remove this inaccurate information. I did file a fraud report to the credit reporting bureaus and put a fraud alert. I do not believe that Kohl 's did an investigation on this. I do not believe that this is fair. The information they have is incorrect and this is not fair to the consumer to keep inaccurate information based on online that never happened. Kohl 's must not care about their customers.
sent letter requesting back up for the collection on my report did not receive a response. 

If back up can not be provided please remove immediately
VIOLATIONS OF CREDITORS & XXXX   VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX  THIS ADDRESS WAS NEVER MINE PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX, NC XXXX   BYMAILONLY THIS ACCOUNT DOES NOT BELONG T ME PLEASE REMOVE IT CREDIT CAN NOT LEGALLY VERIFY MY INFORMATION OR ANY AGREEMENT
My identity was stolen beginning in XXXX XXXX 2015 in which an individual ( s ) attempted to open multiple lines of credit in my name with out my consent. I reported this to the XXXX main credit bureaus some time around XXXX 2015. I still have XXXX credit inquiries on my credit report that are a result of the identity theft issue. I need those removed from my credit report.
I sent a request to Experian on XX/XX/2018 to have them remove a dismissed bankruptcy listing on my credit file and they did not respond to my request within the 30 days allotted by law and I even gave them over 45 days as outlined in the FCRA that says under certain circumstances it may take that long. I then sent a second letter on XX/XX/2018 to have them remove the bankruptcy and they did not respond until XX/XX/2018 with a letter explaining the investigation process and they then sent a copy of my credit file after 31 more days. They have violated the law by not responding in the allotted time frame and they must remove this item immediately. I have enclosed proof that the letter was received and signed for on XX/XX/2018. This listing is causing to be denied credit and the credit that I am able to get I have to pay high interest on
On XXXX XXXX this year I went to XXXX XXXX in response to an add that they had offering XXXX % interest on a new Rav XXXX. I spoke to salesman conf ; irmed with him the XXXX % rate would apply to my sale. They had a card sent from another dealership and I returned on the XXXX. On the XXXX I spoke with the salesman again confirming XXXX % apr rate as advertised. stressing that I would not be buying were it not the case, in fact had been looking at a XXXX and generally preferred it but the rate would save me so much money that I was convinced to go with XXXX. The salesman wen through his speal, we had agreed on a price the day before, he actually came in a little lower in this particular vehicle. i did not try to haggle with him as I was saving so much on financing. I have puchased vehicles on prior occasions from XXXX, just not this dealership. We went to the finance girl who typed up the documents. HEre again we discussed how great the XXXX % rate was. THERE WAS NEVER ANY MENTION OF ME PAYING ANYTHING OTHER THAN XXXX % during our conversation. I left the dealership thinking that I had signed up for XXXX months of XXXX % as advertised, and as was sent to my XXXX mail.- The print on the documents was too small for me to make out without a magnifying glass. 
and the documents were fed too me in such a m anner that I did not see the rate. As I trusted this Company and had no reason not to trust them I did not question anything, until I recieved a letter from XXXX XXXX XXXX XXXX, stating that the APR had been incorectly stated as XXXX and should have XXXX instead. This was the first I knew about the bait and switch. I called the dealership and was told to come in and speak to XXXX XXXX the following day. I did and he told me that what they did was legal, I signed the paperwork and I woulod be sued if I told anyone about what had happened.
In XX/XX/XXXX, I opened a XXXX Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXXResurgent bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXX but I have proof I paid {$7900.00}.
To whom it may concern : On XX/XX/XXXX I was notified through XXXX credit monitoring that a collection appeared on my XXXX credit report from Capio Partners , LLC for {$500.00}. After contacting the company, I submitted a credit to all three bureaus as this was not my debt nor a provider I was familiar with. After investigation, the items was removed from all three credit reports mid-summer. 
However, after the item was removed, it has reappeared under a slightly edited name on XX/XX/XXXX and again on XX/XX/XXXX. Instead of being listed as Capio Partners , LLC it is now appearing on my report as XXXX XXXX XXXX/CAPIO Partners. As reported previously, this is not my debt. The continued appearance of this on my credit report is causing undue harm as I am in the middle of a home equity loan approval process. The reporting not once but twice within 3 weeks caused an 88 point drop to my credit score. I believe the name change combined with reporting this incorrect item twice in less than a month is an abusive practice. This is not my debt and was previously resolved. I am hoping the Bureau can assist me in getting this resolved. 
I have reached out to all three bureaus for assistance, but I am concerned the company will continue this practice and just keep changing the name and submitting to my credit report. As this is not my debt, I want this error permenantly cleared. 
Thank you for your assistance.
I have been trying to modify my loan for over 4 years now. I have submitted documentation time and time again to no avail. I requested an appeal based upon the last streamlined request for modification by XX/XX/XXXX. XX/XX/XXXX, I submitted the streamlined modification request however on XX/XX/XXXX, I received another forebearance with payments of XXXX which would be for 12 months AND a balloon payment of approx {$130000.00}! At which point, my representative was advised that there would be no guarantee of a modification. This was very perplexing and frustrating. 

All this time I was waiting I was excited for my family and myself because I actually believed the bank was going to actually review and come up with an affordable payment when I submitted the streamlined application. It appears to me that they did that only to make it seem like the bank was trying to help but they had no intention, especially not with those numbers and keeping the same rate of 7.45 %. 

I requested an appeal and as of XX/XX/XXXX, they had not received the request for the appeal however, my representative advised the SPS representative to please notate the account and he advised that he would. I still have not received a reply to the appeal. Then again, I do n't know how they are reviewing since I was not asked for my documentation. The NPV document did not have any information other than the value based on average sales of the property but no appraisal. 

It appears that the bank is going through the motions since it has been a long time that I made a payment. This was not because I did not want to but because both my mother and I had experienced a real hardship in XX/XX/XXXX. As I mentioned I reached out to the bank but they kept denying a modification and sending me forebearance with huge payments as a workouts. 

We purchased the home in XX/XX/XXXX, for $ XXXX, and the current principal balance is approx $ XXXX plus arrears. Had the bank allowed us an afforadable modification back when we started the request, we would not be owing so much in the arrears. Yes we had a major hardship, however, as time has gone by, our financial situation has changed, yet I can not refinance due to the negative impact on my credit. 

The bank will not lose money by modifiying my loan. On the contrary, since the loan amount is now over $ XXXX, they will be making more. If I sell the home, we would lose our family home and all it entails. 

We are requesting your assistance to ensure that our request for modification review is properly calculated and not have the bank continue to give us an unaffordable workout. We do n't want to lose our home and be displaced and end up homeless.
My identity was Stolen. since I found out I denounced it and the company what it does is send a letter saying that it is mine without sending me any evidence, since I asked to send me some proof that I am the owner of this account This is like other Accounts that were used fraudulently and I denounced them without having a correct answer, and damaging my welfare and putting my family at risk I know they are discriminating against me because I know that people of American origin they Help with their identities when they steal it his identity. 

I report this to XXXX XXXX POLICE REPORT DATE XX/XX/2017 CESE # XXXX
1 ) XXXX was paid off 2015 should not be on credit report. 
2 ) XXXX XXXX XXXX should not be on credit report.
On XX/XX/2018, XXXX XXXX XXXX, at my direction, submitted a payment of XXXX via Bill Pay to Di Tech financial to pay of my mortgage loan number XXXX for my home at XXXX XXXX XXXX. in XXXX, CA ( XXXX ). I spoke with XXXX XXXX ( XXXX x XXXX ) and XXXX XXXX, Member Service Center Assistant Manager of XXXX XXXX XXXX ( XXXX ) faxed proof of payment and cashed check to Ms. XXXX at XXXX, Ms XXXX has not responded with follow up, nor has she replied to two subsequent follow up voice mail messages. The missing {$100.00} has still not been applied to my account.
Thursday, XXXX XXXX, I heard about the hack Equifax suffered and checked to see if I was impacted. I checked using https : //www.equifaxsecurity2017.com/ and got a message that said that my information was compromised. I could n't get them the freeze my credit, and even if I did, it would 've cost me money to freeze my credit for their own mistakes which is such a scam.
Experian has not been able to provide me mechanisms to prove to me as required by Federal law FCRA that XXXX XXXX XXXX XXXX : XXXX actually belongs to me.

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by Federal law to verify- Through the physical verification of the original signed consumer contract-any and all

accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I want to see verifiable proof ( an original consumer contract with my signature on it ) or remove this account.
I 've previously disputed the account below with XXXX XXXX. This is not my account. They are falsely " updating '' the accounts in efforts to report it on my credit report. XXXX XXXX previously removed this fraudulent account from my credit report only to re add it again, causing my credit score to drop XXXX+ points initially, and updates and reports it monthly causing an additional score drop! This is not my bill. I did n't live in CA during this time, I was in the state of Maryland. I pay all my bills. I filed a police report ( REPORT NUMBER : XXXX ), I 've done everything requested, yet they only remove it temporarily, have it added back and cause further damage to my credit reputation? It used to say it was going to fall off in XXXX, now XXXX? What kind of business practice is this?
During our application for a HARP rate reduction, our mortgage servicer, Seterus, advised us that in order to qualify for the rate reduction, we needed to be in arrears on our mortgage payments. We were current on our payments. Of course, that information is not accurate. Once in arrears, we were told that we could not be eligible for the rate reduction. Seterus initiated foreclosure. We immediately brought the mortgage note to current status and were subsequently approved for the rate reduction. However, the damage to our credit rating as a result of Seterus ' actions have been massive. 
Seterus is unwilling to return our attempts to contact or to consider removing the issue from our credit reporting agencies. 
We recorded the Seterus agent advising us to stop making payments. Seterus remains uninterested in assisting us. 
We will, in addition to this complaint, bring legal action locally in XXXX, NV against Seterus, after resolution of this complaint.
We have a VA home loan that is in default with Carrington Mortgage Service. We applied for a deed in lieu of foreclosure. We are at the point of getting an appraisal but the mortgage company does not have an agent assigned as a single point of contact managing our case. We have not gotten anything in writing about the deed in lieu process. We do n't know our rights and responsibilities as customers. Carrington has not offered clear communication about our rights and responsibilities as customers participating in their deed in lieu of foreclosure option. There seems to be no accountability in mortgage companies and this seems to be our only recourse.
My husband and I are in the process of refinancing our home, we wanted to take advantage of the lower fixed rates before they rose. Much to our surprise our credit scores, the one indicator that is supposed to help us to secure the best rate in the market failed us. We have NEVER been late, we have NEVER had a BK, we have NEVER had a charge off, yet our middle lowest score is what the banks use to determine our RATE at the bank and it was a  XXXX , my low was a  XXXX  from  XXXX  and I am totally embarrassed by this. My sister who has a Charge off, a repossession and many late payments has the same score as I do. Then I did some looking and the credit reporting agencies have changed their model which primarily takes credit utilization as their primary source of scoring in their model, however it is missing one vital component to ensure that it is a fair assessment and that is my income, it only has  one  piece of the pie, then they have added a " potential of bankruptcy '' indicator, how is this possible, I would dispute its accuracy. This is straight up unfair and deceptive practices. I am now forced to refinance my house at 5 %, when my REAL credit, 24 years of never late, no charge offs, no delinquencies,  ( 3  ) mortgages over $  XXXX  paid in full, never late, no bankruptcies and I am a  XXXX  for the purpose of the rate I deserve. No matter what you say to the banks, look at my history, there is nothing that justifies the rate you are quoting me, and their response is that they have to go by the score, regardless of your history to protect themselves from regulatory scrutiny.
I spoke with Employee ID # XXXX regarding a public service student loan forgiveness certification received dated XX/XX/XXXX with an estimated discharge dates ( XX/XX/XXXX - XX/XX/XXXX). I informed the employee that my correspondence dated XX/XX/XXXX states estimated student loan forgiveness ( XX/XX/XXXX - XX/XX/XXXX). Upon further investigation I learned that 12 payments were not credited towards student loan forgiveness due to an administrative error were overpayments reduced the statement due balance sent the following months. When paying the statement balances, these payments were not credited toward student loan forgiveness even though I paid the amount of the monthly statement as required ( see student loan payments highlighted in Red for details ). These administrative errors and miscommunication presents an economic hardship and it 's not fair to the consumer.
When working on building my credit, I took out a loan from Lendmark Financial in XX/XX/XXXX. I paid as agreed and on time until XX/XX/XXXX ( 12 months ), at which point they offered me a new loan and to consolidate the remaining balance of my old loan into the new one. Since 12 months of payment history was reported, I decided to do this to help my credit scores even more with another loan. I paid that loan off in XX/XX/XXXX. During this time, I had not missed a single payment on my loans, however, the original loan was never reported as closed, and shows a 90-day late payment in XX/XX/XXXX and two 30-day late payments as well. 

I have disputed this account several times with the credit bureaus, of which XXXX and XXXX WILL NOT remove the account, XXXX did on the first dispute. 

This account reports my ONLY late payment in my credit reports and is harming my credit scores and making me pay higher interest rates for all of my loans. 

The fact that XXXX and XXXX will not properly investigate the account is the primary issue. I 've contact Lendmark on multiple occasions and have received multiple verbal responses ranging from " I see the error and will get it corrected '' to, " we have no record of a late payment '' to " We do not show your other account with us ''.
Have received multiple phone calls to my cellular phone from a debt collector at XXXX asking for a person that I do not know ( XXXX XXXX? ). I have told them on multiple occasions that they have the wrong number and that I do n't know the individual they are looking for, however, they keep calling back. I received a voice mail from them again today and I returned the call to notify them that they have the wrong number for this person and that I do not know anyone by that name. Each time I started to explain to him that they have the wrong number, he hung up on me. So I called back twice more. The second time he hung up again and the third time I called he started saying obscene things like " maybe you keep calling back because you want to give me a XXXX or you want XXXX '' and " can I look you up on XXXX. '' I told him I was going to report them for harassment and he continued to say obscene things until I hung up. He never agreed to remove my phone number from their records. I asked him repeatedly for the name of the business he worked for and what his name was and he would n't give me either, just kept repeating obscenities. He had a thick accent, so I could n't understand what the name of the business was when he answered the phone. I did a reverse lookup for this phone number and the XXXX XXXX shows it as a " suspected spam '' debt collections company in XXXX, FL with multiple spam reports.
On XX/XX/2018, I received a letter dated XX/XX/2018 from Bank of America " advising '' me that my credit card account ending in ... XXXXhas been closed because my " risk profile no longer aligns with the bank 's tolerance risk ''. As a result, all my " REWARD POINTS associated with this account they'll will be forfeited " Although i handled all my accounts with BofA ( checking and credit cards, personal and business, in an EXCELLENT manner, what is most unfair if not unjust and possibly illegal, is the forfeiture of XXXX reward points, valued at between {$12000.00} and {$18000.00} that I EARNED over a period of time ( by using their cards extensively, helping the bank make profits and myself EARN my rewards ). I let them accumulate so that my wife and I, now in our late XXXX 's age wise, can use later in life. 

Although upset that arbitrarily and for no justifiable reason the bank closed my accounts, I am demanding and expect to be allowed to redeem the points I earned by using the card ( by which use obviously the bank benefited enough to award me almost 2 million points over time )
I am currently participating in debt consolidation due to inability to pay my debts. This company calls multiple times daily, they call my family friends and work. They are also threatening arrest.