WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017 I filed an online request with Innovis Event # XXXX ( Proof of Address copy attached pg2 ) requested a free annual credit report. I never received the report. 
On XX/XX/2017 I called Innovis ' toll free line from a number they have in my credit file. I informed the CSR ( XXXX or XXXX ) that I had not received my report. We determined that it was not forwarded from my Arizona address to my Colorado address. He told me that they could only send the report to a verified address and said I could send a PO Box receipt for the new address by fax to Innovis with the event number. 
On XX/XX/2017 I sent a copy of my USPS box renewal notice with my name and current PO Box number to Innovis via fax. I also included a copy an envelope from my insurance company showing my name and the previous AZ address being forwarded to my current PO Box ( see Proof of Address - pg1 ). 
On XX/XX/2017 I received an unsigned letter from Innovis ( " Innovis Letter '' attached ) acknowledging that Innovis had received my fax of Proof of Address but required XXXX " of the acceptable forms of proof documentation reflecting your current mailing address ''. XXXX of the documents options that the Letter lists is a " Post Office Box Receipt ''. Since I already sent the official renewal invoice from my new PO Box , I have already verified the address as mine. 
It is unclear why Innovis believes that the US Post Office can not be trusted to properly vet persons that forward mail. I have not found that to be the case. In fact other major credit reporting agencies have not restricted forwarding of my credit report by the US Post Office to the same PO Box I have verified for Innovis. There is no justification for further delays in delivering my credit report to my verified mail address.
Midland LLC is still trying to collect on old debt. Account number XXXX now it 's Midland Credit MGMT. They keep selling to one of their company 's. I have filed with consumers and wrote you letters leave me alone.
The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from XXXX XXXX XXXX. It is causing my other coworkers to be bothered and causing defamation of my character.
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX {$88.00} XXXX XXXX XXXX XXXX - Comed XX/XX/XXXX {$860.00} XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX XXXX XXXX  XXXX   Closed Credit Card Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Closed Credit Card Opened XX/XX/XXXX XXXX Illinois University XXXX XXXX Opened XX/XX/XXXX ( Been Reporting for over 18 years ) XXXX/XXXX  Other Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XXXX/XXXX Other Opened XX/XX/XXXX Discharged Chapter XXXX Bankruptcy Reference # XXXX Individual Responsibility XXXX XXXX XXXX Credit Card Opened XX/XX/XXXX XX/XX/XXXX
Upon reviewing my XXXX Credit Report, I came across an account for an unsecured loan, I do not recognize from XXXX/XXXX/2009. It states paid with a XXXX balance and current.
I went to the bank and said I wanted to close the account. I withdraw all the funds. I Then got two statements charging me {$15.00} each time for maintenance because I was awarded interest, and now I have a negative balance for an account I closed. I would like my interest back as well as my return of maintanence fees.
I sent a rescission notice to the " so called '' lender, WELLS FARGO HOME MORTGAGE CO. effective as of XX/XX/2015 and they acknowledged it and refused to accept it and did not contest the rescission within the XXXX day time limit stated in the XXXX and so have waived all defenses in this matter. I am trying to get them to comply with FEDERAL LAW and comply with XXXX and release all encumberances on my property, return all funds paid by myself on the loan that was rescinded, and return of the promissory note. to date all I have received is stonewalling by WELLS FARGO HOME MORTGAGE and have even received XXXX letters on the same day from different people. I have been receiving harrassing phone calls even though I have a do not call stated on my account, I finally had to block the calls on my Cell. They disguise the calls by calling from numbers listed all over the U.S.. This is also a violation of FEDERAL LAWS and will not be tolerated by me any longer.WELLS FARGO and other Banks think they are above the law when they are now finding out that they will feel the full force of JUSTICE upon them for what they have done to our economy and to the Americans they have hurt so bad! 
XXXX XXXX XXXX
There is a Debt with XXXX XXXX XXXX for {$560.00} I never had a contract with this company also XXXX XXXX for {$410.00} this is not my debt I never had a contract with. According to Sec 609 ( a ) ( A ) ( 1 ) of the Federal Trade Commission, I requested for them to show me proof that I did infact make a contract with them and owe these debts and they have not provided the following information and can not because it is not my debt with them.
A Stipulation Of Discontinuance was filled on XXXX XXXX, XXXX in XXXX  XXXX XXXX Civil Court after 3 years of litigation and the Plaintiff failed to convince the court that I was responsible for the credit card debt that I knew nothing about. The statue of limitation has far expired. 
The Plaintiff surprisingly started another court action in New Jersey and used many illegal methods to obtain judgement. 
Claiming that I made a XXXX payment in XXXX - never made any payment. 
That I failed to respond to their discovery - Never received it. The signature presented in court was not mine. 
The debt in question is over 10 years. 
The court denied my application for Reconsideration on XXXX XXXX, XXXX without considering the points raised above or allowed any hearing.
I received an e-mail that there was an e-mail change for my online banking account. Immediately after receiving that, I logged in and noticed that my account was in a suspended state as a transfer had taken place of approx. {$900.00} to an unknown recipient. I received a call from Capital One 360 security and discussed the situation which resulted in my account being completely locked down and I no longer have access. This was on XXXX/XXXX/2016. I have tried calling every day and have been on hold for over 2 hrs several times without reaching a representative.
Cancelled online my experian account in XX/XX/XXXX, so I wouldn't be billed monthly on my checking account. I have a print out for this evidence. 

It is XX/XX/XXXX, and I am still being billed. Am not able to cancel. It has been over 4 months.
It was all to easy dealing with other competent lenders, who updated my profile and coded my profile as a cease and desist account ( with the exception of what is required by law to be mailed to the confirmed address on file ). 

However, XXXX XXXX refused and demanded that they would only approved a formal written request. This lender refused to accept a verbal request to have the account coded as cease and desist. If this is not corrected soon, legal action will be reviewed.
SANTANDER CONSUMER USA {$7200.00} XX/XX/2013 This debt does not belong to me the car was not mines the car was sold by the company i had no knowledge that the car was gone or late or was sold until i information was reported on my credit
On XX/XX/XXXX Equifax sent a letter to XXXX XXXX XXXX from Consumer Relations Specialist XXXX XXXX informing the account XXXX XXXX would be removed from credit report within 5 to 7 days. A letter dated XX/XX/XXXX was sent with confirmation # XXXX informing me that XXXX XXXX XXXX Had been removed from credit report. As of XX/XX/XXXX the same account XXXX XXXX was reported to my Equifax Credit Report without any initial communication or notification within 5 business days. Equifax again has violated the Fair Credit Reporting Act 605B and 611C. This account has been blocked
This account is reporting on all XXXX of my credit bureaus and its not mine. Despite numerous attempts to contact them to get it removed they are still reporting it on my credit. This account is n't mine and I need it to be removed ASAP.
To Whom It May Concern, I have been trying to reach some type of alternative to foreclosure with my servicer Ocwen Loan Servicing , LLC, herein referred to as Ocwen, for years now. I have had no success despite all of the legal problems and issues Ocwen has had over the past years. After a lot of research, I discovered that the right to rescind my loan was still available to me because my loan had not yet consummated under the definition and laws of California, California Civil Code section XXXX. Due to this revelation, I mailed Ocwen a Notice of Rescission on XXXX XXXX, 2015. Ocwen received my Notice of Rescission on XXXX XXXX, 2015. Since receiving my Notice of Rescission, Ocwen has not taken any steps to be in compliance with the Federal Truth in Lending Act, herein referred to as TILA. Pursuant to TILA, my debt obligation is canceled immediately. It is self-enforcing and it automatically extinguishes the lien and the liability by operation of law. After receiving my Notice of Rescission, Ocwen had XXXX ( XXXX ) calendar days to take all necessary steps to remove the deed of trust from my property, return all monies they received for my home or file a declaratory action against to challenge the rescission. Ocwen chose not to do either. Under TILA, the creditor 's interest in the property is automatically negated regardless of its status and whether or not it was recorded or perfected. Furthermore, the security interest is void and of no legal effect regardless of whether the " creditor '', the entity that actually lent me the money, or Ocwen makes any affirmative response to my notice. Since Ocwen and/or the actual " creditor '' failed to file a declaratory action against me within XXXX ( XXXX ) days after receiving my Notice of Rescission on XXXX XXXX, 2015, they and/or the " creditor '' waived any affirmative defenses to the rescission and have given up any rights to a claim on my property or a claim to the money they alleged they lent to me. The debt is not only unsecured, but it is eradicated starting from my rescission notice and ending with Ocwen 's and/or the " creditor 's '' failure to comply with TILA within the XXXX calendar day period mandated by TILA. Based on TILA, there can be no legal foreclosure on my home. Presently Ocwen is attempting to enforce a foreclosure on a deed of trust that no longer exists. Under TILA, Ocwen is mandated to cease and desist the foreclosure against my home presently set for XXXX XXXX, 2015. There is no question that Ocwen is violating TILA. Given the blatant disregard and disrespect for my rescission rights, I respectfully request that the Consumer Financial Protection Bureau look into this matter, review it with critical detail and determine that Ocwen is in violation of TILA and they are subject to liability under the Act and immediately cancel all foreclosure action against my property and forward me a reconveyance as mandated under TILA. 
Sincerely, XXXX XXXX
I contact US BANK to dispute an fraudulent transaction and I was told this fraud on my savings account can't be disputed when I told them they have my account number the transaction showed my bank account this is Not an Error this is FRAUD money was taken out of my by using my account number which means my account has been compromised and I have sent the claim in for ACH entries I didn't know it was on my account until I looked through all of my transactions and saw this transaction for {$75.00} done on XX/XX/2018 # XXXX
This complaint is regarding intentionally deceptive business practices engaged in by XXXX XXXX. During XXXX 2017 I entered into an agreement with XXXX XXXX to refinance existing student loans. The rate I selected was a variable rate that was pinned to 1 month Libor. Per the final disclosure documents I received, this rate at inception of the loan was 3.32 %. However, upon entering the loan, I found the opening rate not to be 3.32 %, but rather 3.56 % ( a 24 basis points difference ). I have been in contact with XXXX customer services for weeks to no avail. I have supporting documentation for this claim and am myself very well versed in financial concepts and disclosures as I myself am a XXXX This intentionally deceptive company needs to be reprimanded and consumers made aware.
Fay Servicing stated verbally on a recorded line, that if I agreed to the trail modification and made 3 consecutive payments during the trail, I would be granted a permanent modification as well as debt forgiveness. I owned over 100k more than what my property was worth at the time and it made reasonable  sense to agree to the modification with the stipulation that I would be granted debt forgiveness, that would forgive XXXX from the loan. I fulfilled my end of the agreement, made XXXX consecutive payments but, Fay Servicing did not fulfill their end on the agreement and was told that, they could not honor the agreement and grant debt forgiveness that would forgive XXXX from my mortgage, thus bringing my mortgage amount to reflect current value because my property is not located in the state of Illinois.
After a dispute a Negative remark was removed from a Experian Credit report but it was returned to my credit.
Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my equifax when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my equifax report because of the mix up. XXXX gives an error code and is not reporting accurate accounts on my credit.
This would be a complaint against XXXX, XXXX XXXX XXXX, and Equifax, who I use to monitor my credit activity. Below is the original complaint sent to the FCCXXXX has been trying to charge me for equipment that supposedly was not returned to them in XXXX. After much arguing, a manager found that I had shipped back the equipment, they were scanned in at the XXXX XXXX hub, and lost from that point. XXXX agreed to refund my account. But yesterday, the company filed a collection account against my credit via XXXX XXXX XXXX. I contacted the collection agency and they were able to see that I was in fact, owed a {$160.00}, which I have never received. I am also a current XXXX customer and my account is in good standing. I would like my {$160.00} refund and this removed from my credit immediatly. 

Equifax conducted their review and determined that the debt is mine. It absolutely is not. The representative at XXXX even advised that I was given a credit refund ( which I have never received ). I am a current XXXX customer in good standing. I paid that bill from XXXX in full and XXXX admitted that it was the carriers fault that they did not receive the equipment that they are charging me for.
In XXXX I entered into a Two Step Mortgage Modification Agreement with loan serviced XXXX XXXX XXXX. The terms included principal reductions in 3 increments upon the XX/XX/XXXX anniversary of the modification in XXXX, XXXX and XXXX. The loan is now being serviced by Fay Servicing and they have not complied with the deduction of the final XXXX principal reduction. I have called, mailed and emailed documents. It is XX/XX/XXXX, an 8 week delay from the XX/XX/XXXX anniversary date. 
Also, the Loan is still being held in the incorrect Title of The Estate of XXXX XXXX, an entity which ceased to exist in XX/XX/XXXX upon the closing of my late husband 's Probate. I have made repeated requests to have this switched to the XXXX Family Trust. This inaccurate reporting creates a hardship for me to cash checks such as the Escrow overage as the check was written to a closed entity. 
I have attached the Loan Modification Agreement as well as evidence of the XX/XX/XXXX and XX/XX/XXXX principal reduction credits.
Hello! Ive had an issue with XXXX XXXX for years now. When i first purchase the car everything was fine. The car was brand new and then i start having issues with a car with 8 miles on it leaver the dealership. I started having engine issues which turned out to be a recall defect. I spoke with the dealer who sold me the car and he told me to bring it back and XXXX XXXX the car out and send me paperwork. To find they never did that. Right after that my husband XXXX and we went overseas to XXXX so i was unable to call and check bt i sent multiple emails and no response. To find out the dealer took the car back and it was sold at auction. When we got back to the stated the dealer no longer works there and i called XXXX XXXX and no one was able to assist me. The car was sold at action and stated as a write off when i called cx service bt they want me to do a settlement. I explained that the car had a defect issue and it took it back to the dealer bt we soon went overseas. I have asked for contracts and proof of sale or anything from the dealership to clear my name bt was unable to provide. I disputed it and they took it off but reopened it like 2 months later and dropped my score tremendously. I have no car to show for it and cant get another one and its hurting me and taking a toll on my Health and family. I just want this car taken off my credit bc i was tricked into sending the car back because of a recall issue and the salesman XXXX  me over and now Im paying for it and its on my credit as a repo and it was never a repo. He told me to bring it back and XXXX would pay it off for recall so i didnt want another car from them. Plus they closed and removed it then reopened my account on my score years after my car was gone. I am no longer responsible for this loan and the car is sold and they have gotten tax write offs for it. Please help me and the company is not sending any information to me and Ive wrote letters and getting a lawyer soon. Thank you. Please remove this from my credit report please
North star locations services had been constantly calling my phone and sometimes even my mother 's phone early in the morning claiming I owe money to them. My car got picked up XX/XX/XXXX. About two days after I sent my payment through XXXX XXXX sent a repo truck to come pick up my vehicle. About a month later, the north star location services phone calls started. The first call from them thru told me my vat had been sold through an auction. I did not receive any documentation about this matter. Ever since then they have been calling me early in the morning while me and my XXXX are still sleeping. I just want the phone calls to stop because I just about had it.
My daughter received medical care at XXXX XXXX back in XX/XX/2012. On the date of service in question, my daughter was covered by Medi-cal ( XXXX California ). The hospital is stating I failed to provider her medical insurance information and this is not true. I contacted Grant and Weber several times to explain what happened, they are not willing to adjust the balance or to bill Medi-cal as they are saying bill is out of timely filing and balance will not be paid by Medi-cal. This is not fair, and also under title 22 in the State of California, If my daughter had medi-cal and I was able to prove it, they are suppose to write off the balance. Grant and Weber are refusing stating this is not true. They want the money from me and that 's all they care about. I have proof my daughter was covered by insurance. I also tried to get help from XXXX and they were on the side of the debt collector, so if you can help, I will be grateful.
There are late payments on my mortgage since XXXX XXXX. I have been paying every month and have been in contact with PennyMac regarding my payments. The late payments are as follows : 30 days past due as of XXXX XXXX to XXXX XXXX I wanted to see if there was anything that could be done about changing my due date and removing the late payments from my credit report. I feel that buy changing the due date, it will avoid any future late payments. I thought I was only about 21 days late and never 30.
Notice of representation was sent to Bank of America on XXXX. A letter confirming receipt of authorization along with our request of a verification of mortgage and transaction history were received as requested along with the Notice of representation. After speaking to several representatives in regards to the loan modification our office is no longer authorized to speak on behalf of the borrower. This is a stall tactic practice by Bank of America and it 's representatives. On XXXX XXXX and XXXX XXXX Customer Relationship Manager 's state our office is not authorized. This is a violation of the borrower 's rights to legal representation.
This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt.
Midland Funding took me to court and after 3 court appearances the judge dismissed case with no Prejudice. I sent in court docs to all XXXX credit bureaus and they will not take off and Midland is calling and sending docs trying to still collect.
Chase Bank put a check on hold because I " have a short account history and few deposits '' which is absolute XXXX because I was actually a Chase banking customer for many years when I lived in XXXX -- and, frankly, people move and I have never experienced a bank holding checks for ANY reason, anyway ... 

NO ONE EVEN NOTIFIED ME THAT THE CHECK WAS PUT ON HOLD so this could have resulted in overdraft fees that I 'll take a wild guess Chase would have refused to refund. Chase took a course of action that I 'm calling out as an attempt to fraudulently gain more fees from me. 

When I called the bank, the representative would not clearly explain WHO put the freaking hold on the check and her supervisor 's best excuse was that the system 's algorithm told them to do it ( in far less intelligent wording ). Well, I have a XXXX and used to work in XXXX, so that 's a XXXX answer if I 've ever heard one. There are REASONS an algorithm is programmed to take certain actions. 

I have never had such issues with a bank, and this is completely unacceptable. 

I should not need to go to the trouble of finding a new bank and transferring everything over just because Chase is XXXX with me. I 'M XXXX, BUT FRANKLY WHEN THERE IS NO ACTUAL REASON FOR BEING DISCRIMINATED AGAINST IN THE FINANCE INDUSTRY, THAT 'S *ALWAYS* WHAT IS ACTUALLY HAPPENING. THIS XXXX WILL TAKE HER BUSINESS WHERE SHE IS WELCOME ... ( AND ENCOURAGE HER MOTHER TO MOVE OVER {$200000.00} IN CHASE STOCK ELSEWHERE IMMEDIATELY )
Ocwen Loan Servicing LLC as servicer for XXXX XXXX XXXX XXXX have filed a civil case against us in XX/XX/XXXX in XXXX XXXX County case # XXXX which lists XXXX XXXX XXXX XXXX XXXX as Trustee under Pooling and Servicing Agreement dated as of XX/XX/XXXX XXXX XXXX XXXX XXXX, despite the facts that we, XXXX XXXX and XXXX XXXX were not in default when the summons was filed. We were current and have proof of said payments. 
Are you aware that the plaintiff in this case is XXXX XXXX XXXX XXXX and is in default of its obligations under applicable Federal and State laws? The servicing agents are not the real parties in interest. XXXX XXXX XXXX XXXX lacks the authority to proceed but have intentionally and fraudulently filed papers and posted notices as though the authority was present.