WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion , LLC XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Personal Loans Cos. 
XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. 
Sincerely, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX XXXX
I am currently working with XXXX XXXX, XXXX, Realtor from XXXX XXXX XXXX on a short sale on my property. 

On or about XX/XX/2018 her negotiator, XXXX XXXX from XXXX XXXX XXXX prior filed the short sale request and all the documents with Specialized Loan Servicing ( aka XXXX ). XXXX XXXX received a confirmation / acknowledgement e-mail from Specialized Loan Servicing regarding the short sale. The file was assigned to XXXX at Specialized Loan Servicing ( aka XXXX ). 

Although we filed for short sale and Specialized Loan Servicing ( aka XXXX ) acknowledged receipt of such on XX/XX/2018, XXXX XXXX XXXX  for bank/servicer/trustee filed a Motion to Reschedule Foreclosure Sale on XX/XX/2018 and set it for hearing on XX/XX/2018. ( See attached documents ).
I am receiving emails stating that I owe a payday loan from   XXXX  , which i have requested documentation of, and they have refused to provide. I am not receiving emails stating that there is a " pending arrest warrant for check fraud ''.   The company appears to be " CASH INC '' with an email address of  XXXX
Due to recent media attention I pulled my credit report and noticed several accounts and inquires that are not mine and that do not belong to me. I would Like these accounts below taken off my credit report immediately I've also filed a police report and FTC report.

Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Balance : {$570.00} Account Type : collection Account Name : XXXX XXXX XXXX Account Balance : {$1300.00} Account Type : Student LOAN Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$16000.00} Account Type : Collection Account Name : XXXX XXXX Account Balance : {$59.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX  Account Balance : {$2100.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX XXXX

Account Balance : {$510.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$300.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX  Account Balance : {$250.00} Account Type : Collection Account Name : XXXX XXXX XXXX   Account Balance : {$100.00} These companies have put inquires on my account that I did not authorize.

XXXX XXXX on or around XX/XX/2017Below these addresses are not associated with me and I have never lived at.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Ocwen Loan Servicing has been threatening to foreclose for over two years now, even though I have proof of EVERY payment made since XX/XX/XXXX, before they took it over. I have read horror story after horror story, never-ending, about people in the same boat. They are attempting to escrow for insurance that I pay myself at XXXX time the rate, in order to get kickbacks from their affiliates, one of them being " XXXX '' ./XXXX I called and asked for a " pay-off '' amount to make the harassment cease and desist. TWICE I mailed a check for the amount they gave me. They have so many " departments '' and so much outsourcing to XXXX that one hand has no idea what the other is doing. If my paralyzed son did not live in this residence which I bought and equipped for him, I would GLADLY tell the XXXX to TAKE IT. However, he is XXXX for over 30 years now and has nowhere else to go. I have read that one recourse is to let them illegally foreclose and then lawyers would jump all over it, but I do hate to see my son XXXX in the street through no fault of my own. I just yesterday read an article about a " granny '' who has never missed a payment since XX/XX/XXXX until Ocwen took over and sent her a bill saying she owes {$30000.00} ( yes that 's XXXX XXXX ) in " fees ''. When she and her son contested it, thought it was a computer glitch, the figure magically went down to XXXX XXXX, with no explanation. They are still to this day enduring the XXXX I am going through. There are SO MANY STORIES of this nature that I find it impossible to believe that these people are humans, much less allowed to operate as a " legitimate '' business. I thought that this was the USA? What happened?
I sent Ally Auto Loan Department a Promissory Note, in accordance with the Uniform Commercial Code, as a Security Negotiable Instrument, Legal Tender by Law, to pay off the remaining amount that was left on our truck loan, to receive our truck title. The Legal Tender was sent XXXX express mail, and received by Ally on XX/XX/2017, and signed for by XXXX. Ally Bank has not bothered to respond to the Promissory Note that I have sent them, which is asset for a Bank, I had to call them, and they refused to apply it to pay off our debt. I specifically stated in a legal notice, that I sent them along with the Promissory Note ; that if they refuse my Promissory Note, to send it back with a written explanation as to why Ally is exempt from Legislation. Ally did not respond, nor apply my Legal Tender to pay off our debt, and they kept my Legal Tender, which is asset for them, that can easily be monetized by them. The UCC states, that if Legal Tender is refused, then there is discharge of the debt, and the Federal US court appeals ruled on Title 31 USC 5118 ; that the requirement to repay a debt in the form of coin or currency or legal tender is against Public Policy, since money, as in the Federal Reserve Notes that we use as money ; means a promise to pay, or owe according to the Banking dictionary XXXX addition ; and that a repayment for a debt only needs to be made in equivalent kind ; a Negotiable Instrument, which is a Promissory Note. As a Private Banker, in accordance with the XXXX Law Dictionary, I have a right to use a Promissory Note with the Banks to pay off a debt! I recently sent them another Promissory Note, that they received on XX/XX/2017, to see what type of response I would receive, but the fact remains, they should have responded to my first Note!
XXXX XXXX ( now XXXX ) is showing my final payment on my mortgage as 30 days late. It was " late '' because, despite repeated attempts by me, the company failed to give me the final payoff amount in a timely manner.
I HAVE SENT IN FRAUD INFORMATION TO EQUIFAX AND XXXX CREDIT COMPANY AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT INFORMATION OR INVESTIGATE AND SEND PROOF OF INVESTIGATION
My wife and I were approved for a trial period plan for possible modification of our mortgage loan. I ask our single point of contact how would the trail payments be reflected on our credit reports, he mentioned as long as you make your full agreed payment amount within that month you will be reported " current '' to the credit bureaus. We just recently discovered our mortgage is being reported 60 days past due. My wife and I value our credit history, we are very disheartened by being mislead by our single point of contact. Please do what you can to honor your commitment so we can continue having a good relationship with Freedom Mortgage. 
XXXX, Ohio XXXX Loan # XXXX
The Wells Fargo Bank Visa credit card ending in XXXX since XX/XX/XXXX I have requested a new repayment plan. My previous Consumer Financial Consumer Protection case numbers are XXXX, XXXX I sent letter dated XX/XX/XXXX and XX/XX/XXXX. In the year of XX/XX/XXXX I submitted numerous complaints against Wells Fargo Bank regarding the delay in providing a new repayment plan. I can only afford to pay {$80.00} to {$100.00} per month. I received a letter from XXXX XXXX my case number is XXXX
School closed beefore i can finish nd they held me responsible school lied about enrollXXXX
When i was a day late, XXXX 's began calling me several times a day, up to XXXX, thus being harassing in collecting a small payment. I have been an ideal customer and made on time payments for over XXXX months. I finally gave in and returned their call today at XXXX pm and told them i would be making my barely late payment tomorrow. They informed me the calls would continue until the payment posted. I asked to have my phone number removed from my account as i do not have unlimited time to devote to their harassment. they agreed, and at XXXX they called me again. they need to be penalized for harassment, XXXX phone calls in XXXX day is complete overkill.
THIS HAS BEEN A CONSISTENT PROBLEM THAT NEEDS TO BE ADDRESSED IMMEDIATELY. I FILED LEGITAMITE AND VALID CLAIMS AND DISPUTES TOTALLING XXXX THAT BANK OF AMERICA HAS ASSURED ME THAT I WOULD BE REIMBURSED FOR. I WAS CREDITED FOR SOME OF THESE TRANSACTIONS ONLY TO HAVE BANK OF AMERICA TAKE THEM BACK FROM MY ACCOUNT, LEAVING IT IN A NEGATIVE BALANCE. XXXX XXXX  XXXX IS ENGAGING IN UNETHICAL, EGREGIOUS AND ILLEGAL BANKING PRACTICES AND NOW, THEY ARE CLOSING MY ACCOUNT IN RETALIATION FOR MY COMPLAINT REGARDING THIS ISSUE. MY CLAIMS ARE VALID AND I SHOULD BE REIMBURSED FOR THESE VALID CHARGES THAT I FILED IN A TIMELY MANNER.
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MIDWEST AND ALL ACCOUNTS ASSOCIATED WITH YOUR COMPANY AND MY SOCIAL ARE FRADULENT To Whom it May Concern : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. 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 have enclosed a copy of the Federal Trade Commissions 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 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 : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission MIDWEST 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I have checked my credit report and noticed inaccurate information from your company. I have not received a dunning letter from your company and you have taken away my rights to validate the debt. I am not responsible for this debt with your company. I have never done business with your company and I do not owe your company. Please be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA : therefore if you can not validate the debt, you must represent that all credit reporting agencies delete the entry. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Please do not send me a copy of a bill because that is not debt validation. I am asking for debt validation from your company. Send me a copy of the contract I signed with your company. I have attached my ucc11 from the  secretary of state which shows i have no lien placed against my name.
XXXX has been non-compliant with removing the unverified account DISCOVER BANK XXXX which has been deleted by XXXX and TXXXX. XXXX and XXXX have both completed their research and determined that DISCOVER BANK 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.
On XX/XX/XXXX at about XXXX XXXX, I received a telephone call from a Chase customer service representative named XXXX ( # XXXX ) concerning a vehicle that has been charged off/ written off by J.P. Morgan Chase on XX/XX/XXXX. The customer service agent was told over the phone that I was XXXX and under medication. The customer service agent said that the call was being recorded ( but did not obtain my permission ). Although I explained to the customer service agent that I was under medication and was not mentall well, he repeatedly kept saying that he was going to call me and tired to get me to say the word " refuse to pay. " This is very rude and unprofessional behavior. This customer service representative was not concerned about my XXXX status.
I have tried to resolve this matter with GM Financial since XX/XX/XXXX with no follow up calls to me or any further action taken on their end. They are not reporting my auto history to the credit bureau. I have had an account since XX/XX/XXXX and can not refinance when the vehicle payment history is not being reported to the credit bureau.
The company submitted a tax form at the end of the year XXXX- XXXX not sure but they stated that the loan had been cancelled out
On XX/XX/XXXX I call Home Depot to make a payment of XXXX dollars the machine malfunction and said the amount of XXXX cents..I said no XXXX dollars, I called customer service to stop payment they couldn't stop it, then I called my bank but Home Depot had an already took my payment. I filed a claim to receive my refund but they told me that I had to wait for my refund..I 'm on a fixed income and they took every dime out of my account, I could not pay my bills for the month of XXXX because I have no money to pay my.bills. I spoke with someone at Citi Bank and was told I have to wait until XX/XX/XXXX to receive my refund.. Home Depot is a big corporation.why should I have to wait so long..I received a letter 2 weeks ago telling me that I'll receive a refund of XXXX cents, that's minus XXXX, still no refund.
I have unrecognized hard inquiries on my credit card, which I did n't authorize. I did not give them my consent, it was not court ordered, or was not for insurance or employment purposes and it was n't a firm offer a credit. 

Hard Inquiries by these companies on these dates was not authorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX
I am having a 15 years fixed home mortgage with Chase. The monthly mortgage amount {$2100.00} automatically deduct from my checking account from day one. I used to pay property tax and home insurance separately. For XXXX second half, the town property tax payment was posted one week late due to error in the online payment system. Chase also sent the tax amount {$2300.00} to the town this time. The town called me about the double payment and I asked them to return the Chase payment. They asked me to fax a letter for that and I did. Town refunded Chase payment. I called Chase and instructed them not to make any future property tax payment and sent a fax in writing along with the same fax sent to the town instructing them to refund Chase tax payment. 


But, Chase change the mortgage amount and deduct {$4200.00} on XXXX XXXX instead of {$2100.00} from my checking account. I called Chase and send the proof of property tax payment receipt and instruct them to refund the extra money into the account. Chase did not do anything. In the following month also Chase try to deduct the new amount, {$4200.00} and mortgage did n't go through due to insufficient fund. I faxed the property tax payment receipt 5 times to Chase. But, they did n't correct the error. I wired two months mortgage amount, {$4100.00}, to Chase mortgage to avoid late payment. By the time, XXXX of the property tax ( Scholl tax ) paid using credit card on XXXX XXXX ( Paid XXXX Second Half School Tax : {$4700.00} and Town Tax : {$2200.00} and Service fee {$160.00}. Total charge on credit card : {$7100.00} ) got returned on XXXX XXXX to the credit card due to double payment. I called Chase Mortgage and asked them to correct the mortgage automatic payment but always got the same replay as 'Escrow department reviewing the case '. Chase reported the late payment to my credit and send my property for foreclosure. I received letters from Chase Attorney about the foreclosure of my house. Finally they respond to my request and send me a mortgage reinstate statement and I wired the total amount due to Chase mortgage. Now, I have lost my credit, I have a huge emotional distress and lost lots of money through credit card interest, service fee, late fee etc. 

I want Chase to take the responsibility and pay for my damages.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Account Number Num : XXXX Balance {$700.00} Dear XXXX, I am writing in regards XXXX Account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

As of today XXXX/XXXX/XXXX I have not received any information or correspondence regarding this account. 


I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. 

XXXX XXXX
I had an Auto loan with Santander Consumer USA. The loan matured in XX/XX/XXXX. I paid loan off in XX/XX/XXXX. Between XX/XX/XXXX thru XX/XX/XXXXthey reported me 60 days late. Remind you I paid in XX/XX/XXXX. I was paying on the late fees which was around {$3000.00}. The actual LOAN of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XX/XX/XXXX and they had advised me that once the actual loan is paid and alI I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was {$550.00} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XX/XX/XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. 

They need to remove the 60 day deliquencies on ALL 3 credit reporting agencies like they agreed to do. They are reporting inacurate information.