WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call from this phone # saying that they were from card services, tthe person stated there is nothing wrong with your account but you have anopportunity to receive 6 % interest rate. problem being the person could nottell me what bank card company I was with and they are saying that theygot my number & info from XXXX. I called my card company and they saidthat this is not them.the number in which was on my phone was ( XXXX )
Portfolio Recovery Association On XX/XX/XXXX I sent Portfolio Recovery a Debt Validation Dispute letter because on my credit report its stating a deragatory acct. Of {$550.00} I sent it certified Mail Return receipt requested. Post mark on Receipt Received on XX/XX/XXXX. However during the period of days nothing, No correspondence or acknowledgement or Debt Validation response has come to my attention.They put on my credit Report that Acct is Disputed by Consumer I have sent a second letter, waiting the 31 days I sent another Disputed and Debt Validation on XX/XX/XXXX.But even a second Dispute Debt Validate so the can respond with some correspondence.Nothing has been received by me, they signed for the Two Certified however I Have n't received 1 piece of correspondence from them, no letter of acknowledgement.The company states in all my Credit Reports go through Portfolio Recovery. Portfolio Recovery states I have a Deragatory Open Acct of {$550.00} which original creditor is XXXX however Creditor Contact Details Portfolio Recoverywith no details. On all my XXXX different Credit Report it states meets FCRA. .Portfolio Recovery has not sent me the Consumer One piece of information for this claim.The Credit Report states the account was opens on XX/XX/XXXX. My XXXX report from XXXX/XXXX/XXXX states loan types Debt Buyer.
XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX Re : XXXX To Whom It May Concern : I have recently been informed that there is a Bankruptcy Chapter XXXX in the file Equifax maintains under my Social Security Number. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove it  from the consumers file. 

The United States Bankruptcy courts DOES NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. 

However, credit bureaus actively search public records for any judgments and tax liens through third party research as known as XXXX. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DOES NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on Bankruptcys through third-party research. 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 

Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to : 1. Defamation 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in  court venue local to me in order to formally defend yourself. 

My contact information is below : XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX NC XXXX XXXX
I purchased a auto XXXX/XXXX/XXXX Santander is the lender for a little over {$12000.00} after taxes and interest. I have missed a few payments and have been late, however I asked for pay off amount XXXX/XXXX/XXXX and was told I owe {$13000.00} because of interest fees and late fees. I do n't understand how I can owe more than what the loan was for, Please help.
There are XXXX inquiries on my report which I did n't authorize and I have asked Transunion to please review and remove the inquires off of my file. I never authorized XXXX XXXX, XXXX or XXXX to pull my credit report. Yet, I have inquires from them reported since 2-3 years ago. I have tried to contact the bureau regarding these incorrect items and I have not received a response for my letters mailed on XXXX XXXX. I do not understand what is going on. These inquiries are affecting my student loan interest rates and I would like them to do the right thing and remove and investigate these companies that have accessed my account without my verbal or written permission.
I was contacted by XXXX XXXX XXXX for a old debt. I am currently disputing the debt with them now. However, they have recently falsely reported inaccurate dates of the debt. They have re-aged the debt to have it appear to be a new account, knowing that this is a old debt. I believe this is an attempt to stop me from getting a proper accounting of the debt through my dispute process with them. This deliberate attempt by XXXX XXXX XXXX is illegal, I have no problem paying monies I lawfully owe, but their attempts is to bully me into paying a debt amount that has not been verified.
Site : XXXX XXXX Account : Capital One- XX/XX/XXXX There is no balance to view for this. It is marked as a hard inquiry but I have never applied for any type of credit card. I already called Capitol One and spoke with an employee. They didnt have me in their system and recommend that I try to get ahold of somebody at XXXX XXXX. My credit is being affected by this and I dont know what to do. Please help me out!!!!
I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : 1. XXXX/XXXX/2017
I have sent several requests to Equifax to provide me with the documents that their company has on file that were used to verify the accounts I 've disputed. It 's been a few months and they have not been able to verify these accounts. As a result, per the FCRA, section 611 ( 5 ) ( A ), they are required to " promptly delete all items which can not be verified from the file of the consumer. '' Please help me resolve this issue.
Nationstar, their lawyers have submitted evidence in court and the CFPB about fraudulent assignments filed in the XXXX County Court House. Under Penal Code 115, 132 and 134 they are guilty of a felony which is forwarded to the proper authorities by suggestion of Individual Accountability for Corporate wrongdoing to all those agencies. We have on may occasions turned to the CFPB without any changes happening, only more wrong doings are submitted. The CFPB has failed to protect the consumer regarding " abusive '' servers, who are debt collectors, not Lenders, Holders in Due Course, Beneficiaries in Interest. Penal Code 487PC, grand theft ... Under the FDCPA trying to collect payments as debt collector through the Mail ... Mail Fraud. 

* DATED XX/XX/XXXX-One assignment was requested by XXXX XXXX clearing. XXXX assigning the DOT to Nationstar for XXXX XXXX. 
# 1- XXXX XXXX was declared Bankrupt at time. 
# 2- This assignment was never recorded in the XXXX XXXX 's XXXX. 
# 3- Proof of the consideration by Nationstar is missing. 
# 4- XXXX XXXX clearing is a know fabricator of false documents. 

Nationstar used this document to request the subsequent recording of assignments without legally possessing the Note in order to record the DOT : * DATED XXXX/XXXX/XXXX ... Recorded in County XXXX/XXXX/XXXX ... days before court proceedings.XXXX assigned the DOT to XXXX XXXX, the Trustee for XXXX, XXXX pass through certificates XXXX # XXXX The XXXX XXXX CLOSEDon and about XXXX XXXX ... 8 YEARS after the Trust closed. 
# 2- The PSA specifically states that once a XXXX closes, it can not come out # 3- IRS has very strictguide lines and there is a XXXX % tax penalty. 
# 4- They did it as a Nominee/Agent for XXXX XXXX , who would be the XXXX. XXXX went Bankrupt XXXX # 5- How did XXXX XXXX XXXX receive funds for the loan, when they are absent in the chain of title? 

*DATED XXXX/XXXX/XXXX ... Recorded in County XXXX/XXXX/XXXX ... days before court proceedings.XXXX assigned the DOT XXXX XXXX Bank XXXX the Trustee for XXXX, XXXX pass through certificates XXXX # XXXX XXXX XXXX XXXX and aboutXXXX XX/XX/XXXX ... 10 YEARS after the Trust closed. 
# 2- The PSA specifically states that once a XXXX closes, it can not come out # 3- IRS has very strictguide lines and there is a XXXX % tax penalty. 
# 4- They did it as a Nominee/Agent for XXXX XXXX , who would be the XXXX. XXXX went Bankrupt XXXX # XXXX How did XXXX XXXX XXXX receive funds for the loan, when they are absent in the chain of title? 

Since XXXX XXXX, the Note and the DOT have been separated. The DOT was recorded with XXXX as the nominee and Beneficiary from XX/XX/XXXX-XX/XX/XXXX, while the Note supposedly went to different entities. It never went to XXXX XXXX XXXX, the XXXX into the Trust. There are some serious questions to be directed to the IRS about the XXXX XXXX XXXX. 
XXXX v. XXXX XXXX XXXX XXXX Supreme Court XXXX The Note and Mortgage are inseparable. The assignment of the Note carries the Mortgage with it, while an assignment of the latter is a nullity.
A person calling himself XXXX XXXX posed as a Ditech Mortgage Representative. He contacted me by telephone on Wednesday XXXX XXXX, XXXX at XXXX XXXX. Per my caller ID he called from XXXX and left a voice mail for me to return his call at XXXX XXXX XXXX XXXX if I was interested in saving my home. I contacted XXXX XXXX on the direct line he provided and negotiated an amount of {$500.00} to be paid that day and an additional {$800.00} to be paid on Friday XXXX XXXX, XXXX. What seemed odd was the method of payment. It was required that I purchase a prepaid debit card in the amount of {$500.00} from XXXX, call XXXX XXXX with the account number, CVV number and date of expiration. I felt weird about this all night. I contacted Ditech customer service at XXXX XXXX XXXX XXXX before completing the second transaction on Friday XXXX XXXX, XXXX. I was informed by Ditech customer service that they do not accept payments using prepaid debit cards, and that they do not accept partial payments for homes in foreclosure. My home had been placed into foreclosure 3 days before. Furthermore, there was no indication on my account that a XXXX XXXX had made any notations on my account about the payments, or our negotiations to move the loan to a modified status. I am about 50/50 if XXXX XXXX actually works for Ditech or had spoofed the telephone number identifying his initial call as being from Ditech. If he is a Ditech employee I feel he mislead me into making a payment that will not allow me to modify my mortgage. In any case when XXXX XXXX called by this morning to execute the {$800.00} payment I told him he could go to XXXX as he had already stolen {$500.00} from me. Please help me determine if I got ripped off or if I am just being played by my mortgage company.
As of know PennyMac has not send the payment for my property tax. I keep calling the Bank to inquiry about the payment and nothing has been done to resolve the problem. They claimed that they did a wire transfer on XXXX XXXX, 2016 for the amount of {$2300.00} but when I called XXXX XXXX County to check on my account they told me that they have not received any payment. I do n't want to be held responsible of the late payment. If the bank sent the payment late they should be responsible of the late charges. Also, I need to know where is the payment and the date they send the payment? Please investigate.
I wrote letters to XXXX XXXX and Experian asking them to investigate and REMOVE the inquires form my credit reports from ALL XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
I purchased kitchen non-stick pans from XXXX ( owned by XXXX ) XX/XX/XXXX and XX/XX/XXXX, but due to quality of the product, I returned the items back to the merchant in XXXX XXXX with proof of return tracking. I have contacted the merchant to get the status of the return, but got no response. So I contacted my credit card ( JP Morgan Chase ) to dispute those charges under the Fair Credit Billing Act about the quality of the goods and return and expecting credit. However, my credit card company sent me an letter that those charges were valid as significant time has passed and merchant is not under any obligation to provide the credits to my credit card account. I explained to them there is no time limit for the quality of goods or service under the Fair Credit Billing Act and merchant 's return policy indicated that I could return any time ( no return time period restriction ). However, my credit card company made a final decision in merchant 's favor. Would you mind providing any advice on how to proceed with this? I have already returned the item, and I do n't get the refund. I 've contacted merchant, but the merchant is out of business and based on the credit card issuer 's letter, merchant is not willing to honor the refund to my credit card account. Thank you for your assistance.
assessed automated fee without sufficient disclosure. Can not talk to customer rep without incurring {$1.00} fee.
My current address shows as XXXX XXXX XXXX XXXX, XXXX, CA XXXX. It should be XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX.
I have written documentation from XXXX University that account with them should not be reported as charge off and bad debt.. I sent that information to CFPB on XXXX/XXXX/2015 by mail to you, however I did n't put complaint number or mailing. If necessary I can resend information. Transunion can contact XXXX University directly or CFPB can contact XXXX University Financial Department. XXXX XXXX XXXX - Business Office/Financial Aid XXXX University XXXX XXXX XXXX. XXXX XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX. Thank You
We had a mortgage with Countrywide. It was later taken over by Bank of America. During the mortgage meltdown we started a home modification with B of A. They set up the payment schedule and contract which we agreed to. We thought that what we had entered into was the actual modification. We were later told that it was only the pre- modification and that if we made our payments on time then they would proceed with the Home Modification. They tried, with every trick in their book, to make us fail during this period. When we did n't fail they had no choice but to put us into a regular Home Modification Program. Here 's where the problem lays. Between the pretrial and the actual modification B of A tried to accelerate a foreclosure on our property. We started getting foreclose notices stating that XXXX XXXX was selling our property. We had real estate people knocking on our door. We had to fight with B of A to get this situation cleared up. The OCC went after them. We received a small settlement for our troubles. That brings us to the problem that is still existing. We went to refinance out house and this is still showing up in our credit report. I would like them to resolve this situation once and for all.
on XXXX2017, an inquiry from CBNA posted on my XXXX credit report. I am unaware of the company! Also on this same date six other inquiries were made, by other companies. I did not apply for any credit or loans from any of them. Someone has attempted to use my identity to open these accounts.
On XX/XX/XXXX I called into Wells Fargo about having my PMI removed from my home loan. I knew we bought the house for 75 % cents on the dollar and believed an appraisal would easily remove the mortgage insurance. I spoke to someone over the phone before ordering my appraisal and they said didn't say it was mandatory to have " improvements '' to remove the mortgage insurance. 

I order the appraisal on XX/XX/XXXX needing to hit a value of XXXX and received a value of XXXX on the XX/XX/XXXX. But wells fargo is rejecting my request saying because no improvements were made, they will not remove PMI. They are referencing a letter i received saying that Improvements must equal the difference. So two things, one i was told differently on the phone and two it doesnt say improvements are mandatory. Where we currently stand is i have a loan with Wells Fargo that is showing 78 % loan to value, with appraisal company of XXXX XXXX choice, but Wells Fargo won't remove Mortgage insurance because of i didnt build an improvement.
Starting in 2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which does not belong to me
I worked for XXXX XXXX, XXXX XXXX, CA and on XX/XX/18 i was paid with a Camdata debit card for the amount of {$540.00}. When i tried to withdraw the money Camdata took away the sum of {$27.00} instead of {$3.00} stated. 
I have made repeated calls but they will not refund or explain why in one transaction the amount is taken away for my payroll. 
This not fair as the amount is exorbitant. Thank you
On XX/XX/XXXX, I contacted XXXX and TransUnion disputing an error on my report a collections acct tied to a debt to XXXX XXXX XXXX XXXX XXXX that I have no knowledge of and have never received a bill for from the alleged original creditor. The debt collection agency is XXXX XXXX XXXX XXXX in XXXX, IN, and the account was opened XX/XX/XXXX. 

I have disputed the acct with the collection agency and requested all communications regarding the alleged debt come through mail and that I receive verification of the debt from my alleged original creditor. They havent complied with the second part of this request, but the credit agencies still claim the acct meets FCRA requirements. Again, I have no knowledge of this account, have never received notification of the account balance from the creditor XXXX XXXX claims to be representing, and have not been shown verification of the debt, yet it is severely impacting my credit.
I was unemployed and my unemployment benefits ran out. I had an obligation with a payday loan. I notified them of my situation and asked them to remove the automatic withdrawals, they kept on. I went to the bank and explained, they said that even if I closed the account it will be hit by the ACH. Due to these and other issues, I applied for bankruptcy and received a discharge of my overdraft at Bank of America as well as the payday loan. Bank of America acknowledged the bankruptcy sentence but has not removed me from XXXX, XXXX XXXX. No bad check, no fraud attempt just a bad unemployment period and Informed the bank.
I thought this was included in my Ch XXXX Bankruptcy. Now, I have had XXXX different agencies calling and harassing me for payment between XXXX and XXXX.
Dea r Staff, I am in  receipt of threatening letters fr om Ditech Company s tating that I am in   XXXX   days arrears for payments and that foreclosure preceedings have begun. Loss mitigation/loan modification application was forwarded to me. I have made all payments on time, or before the  XXXX  of the month via  XXXX   XXXX   XXXX   XXXX   XXXX     Their confirmation transmissions via email indicate amounts I did not submit.   The correct amount of my mortgage payment is {$1000.00} Leading up to this point, my payment amount was {$1000.00}. This instrument was put together as a grant from Step Forward Michigan in  XXXX . The original loan was a federal mortgage secured through FHA in  XXXX . Somehow, in  XXXX  of  XXXX , Ditech ended up with my mortgage aft er    XXXX   XXXX  .   In the   XXXX   of  XXXX ,  Ditech Company paid the municipal property taxes twice, causing a shortage in the escrow account. They subsequently issued new escrow st atements. The matter of my escrow account was resolved, and all late fees were waived back in  XXXX  ( e.g.  XXXX   XXXX   ) o f this year.   First I was told there was a shortage in the escrow, then a check for {$480.00} was mailed to m e.  XXXX  conversations with customer service revealed the company is splitting the payments and  not posting them nor crediting them to my account as submitted. Now I have an invoice in hand for over {$2000.00} along with foreclosure papers ; the company is claiming an  XXXX  payment was not made, even though the payment was submitted in full on  XXXX   XXXX .   No partial payments have ever been submitted on this account. My desire is that all fees will be waived, that the correct payment amount of {$1000.00} be confirmed in writing, and that my account be fully restored at their expense.   Ditech should lose its privilege to do business in Michigan.   Thank you for your service.
I do not have a case number. I have tried to dispute the information on my Equafax but I can not sign on. The website does n't reconize me. When I try to call I hold for 15 minutes then get disconnected because " they are responding to a large amount of calls ''. I have tried to go on the website and chatting with a representitive and they just apologize and tell me to call again. My credit report does not show my bankruptcy, all depts are still being listed as charge offs.
Equifax continues to report XXXX of my accounts as charge-offs even though I have sent Equifax proof that XXXX has said they will no longer report. I have XXXX accounts with XXXX that are currently reporting as charge-offs. This information is over 7 years old. I called this to XXXX attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from XXXX stating that as a customer courtesy they had made the decision to delete the tradeline reporting. That the accounts would no longer be reporting. Since XXXX XXXX Equifax has updated my credit report two times and continues to report as charged-off. They reported it XXXX XXXX as a charge off. I sent a copy of the XXXX XXXX letter from XXXX to Equifax as proof when I filed the dispute with Equifax. Equifax told me on the phone that they can not use the letter to remove the accounts that they can not control what XXXX is reporting.