WillisBack/dataset-financial-user-claim huggingface dataset:
I 'm contacting you, asking for an investigation of Diaz & Associates , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX California XXXX.Because of my on-going Identity theft, I enrolled in an Identity theft monitoring service XXXX XXXX. On XXXX XXXX, XXXX my service notified me that a Major Derogatory mark, new account was opened and an address change took place on all XXXX of my credit reports, reporting by Diaz & Associates , Inc . I pulled all XXXX reports finding the new account was XXXX XXXX, XXXX to this notification, I never knew Diaz & Associates existed . Diaz & Associates, Inc. did not contact me by mail or any calls from their office, not providing me notice of debt. I found numerous errors on my credit reports caused by the data Diaz & Associates , Inc. is reporting to the credit bureaus. After consulting with a debt collection attorney, I demanded Diaz & Associates provide validation of the debt they was incorrectly reporting on my credit report. I wrote Diaz & Associates , Inc. by certified mail asking for full validation of the account and putting Diaz & Associates , Inc. on notice regarding all the reporting errors on my credit report. Diaz & Associates, Inc. replied by advising me how well versed Diaz & Associates , Inc. is with state and local laws and the FDCPA. In the same letter they tried to explain why they made so many errors on my credit reports. Diaz & Associates , Inc. also included an illegible copy of a customer agreement and disclosure statement dated XXXX XXXX, XXXX from XXXX XXXX stating that the customer agreement and disclosure statement authorize them to collect the non-validated debt on my credit reports. XXXX XXXX, XXXX I replied to Diaz & Associates by certified mail that I dispute any and all of their claim of the debt they were reporting. In the same letter I advised Diaz & Associates, Inc., that they violated my FDCPA rights under sections 809,812 and 807. XXXX XXXX, XXXX I was advised by the United States Post Office that the business was closed. USPS tried to deliver the certified letter for a second time again reporting the office was still closed ; leaving notification that the letter was waiting for pickup or reschedule. After a fifteen day holding period the certified letter has been returned to me unclaimed. How can Diaz & Associates, Inc. still be reporting this debt on my credit report if the office is closed? I 'm asking for resolution that Diaz & Associates , Inc. removes any and all reporting to my credit reports. I find their business practices be deceptive and should not be allowed to continue reporting the debt they have failed to notify me of or validate.
This complaint is about : XXXX XXXX XXXX University, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX This totally for profit school promises job placement and does absolutely nothing. 
When I got out of this school, I had a debt of over {$36000.00} and no job placement help. 
The loan was financed through XXXX XXXX Student loan. I feel I ended up with a payoff amount of almost {$30000.00} even after paying them monthly for 5 years! 
Please investigate this academy and the loan servicer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the INACCURATE account information from my consumer file. Despite my three written requests, the INACCURATE item still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified Who in your company verified the accuracy of these accounts or how they verified them?

As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defined Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 
What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute is being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 
Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you can not properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all the INACCURATE reporting immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
I had disputed a XXXX acct of {$710.00} which I did not have ownership of. This account was with XXXX XXXX XXXX. This collection agency removed this account off my credit report with XXXX, XXXX and XXXX on XXXX/XXXX/16. On today, XXXX/XXXX/16 I received an alert from XXXX XXXX that I.C SYSTEM is reporting the exact same account-XXXX- {$710.00} to my credit report with an open date of XXXX/XXXX/16 and last reporting on XXXX/XXXX/16. it has been determined that this is NOT my account and never was. This agency is re-reporting this account after it had been removed from my credit report. I am aware that this is VERY ILLEGAL.
I have a XXXX XXXX Credit Card online acct. That provides a FICO Score and Summary through TransUnion. My Fico Score shows XXXX with description : " Lack Of Recent Installment Loan Information '' Their is " Insufficient Activity '' information about your " Installment Loans '' FYI : I do not have any Installment Loans.. 
In XX/XX/XXXX I had a personal loan but I paid this acct off and closed the acct in XX/XX/XXXX. It is Inactive. 
I would assume My Fico/TransUnion would have that documentation in there Data Files. Why would Lenders be interested in a closed/paid acct with no activityI have XXXX credit cards XXXX closed..XXXX openThank You
Bank of America completed my loan modification on XXXX XXXX, 2013 after taking 31/2years. Bank of America faiked ro bring my loan current hnder the terms if the modifications and also failed to brring my escrow account current undsr the terms if the modification. Bank of america has refuses to correct their fraud after many many certified requests. Bank if America has also failed ro report my loan accurately to all XXXX credit bureaus.
i applied for couple credit cards to see if it actually hits my credit and it did even having a freeze on credit and i called them to see how where they able to pull they said you didnot had a phone number to call so we allowed to pull them well they just have to block it
I have spoken with numerous people at all 3 bureaus in regards to a bankruptcy showing on my credit report ... it is not mine ... what identifying information they use to report this because clearly they have not INVESTIGATED PROPERLY .... i received a updated credit report and this bankruptcy is still reporting as mine THEY SAID THEY VERIFIED THIS THROUGH A THIRD PARTY NAMED XXXX XXXX ... .. XXXX XXXX sent me verification that any and all information in my file is suppressed so how could this have been recently investigated.
Hello, I have been a client with Target since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions.
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX
This judgement was placed in my bankruptcy and it is now showing as a judgement. I went to the court house and got it DISMISSED/SATISFIED. The courthouse has then put it in the system, at this time I disputed, faxed and mailed in a dispute regarding this account. I went from getting a court date, sitting for XXXX hours, and getting the neccesary paper work needed to get it removed. Equifax then tells me that it can not be removed off my credit report. I call the court house and ask them and they no longer see it in my file. I keep disputing where as Equifax takes about XXXX days to get back to me to say its not going to be removed and only " SATISFIED '' where they are ignoring where it says dismissed also. I want this judgement removed seeing that it was in XX/XX/XXXX and my bankruptcy was in XX/XX/XXXX, on equifax reporting it didnt show up until XX/XX/XXXX and it was a XXXX party vender.
I took out a loan with LoanME, INC. on XX/XX/XXXX2016 in the amount of $XXXX I did not have the necessary knowledge at the time to understand why I would be paying $XXXX in the long run. I cannot afford payments of $XXXX netherless 115% monthly. I tried to resolve my debt to lower interest but that has become impossible. They are taking advantage they hold a California licensing but its unfair how they abuse the interest to individuals like myself who are in need of instant cash but pay for it in the long run. This is unfair I feel is abusive , emotionally XXXX and leaving customers in more debt then when they got the loan. I heard they were XXXX before to which they were shut down.
I am filing a complaint against my student loan creditor ( XXXX XXXX ) and my student loan servicer ( ACS ) because they : 1 ) increased the interest rate of my loan by an amount greater than permitted by the loan terms ; 2 ) sent me XXXX student loan repayment schedules that contain incorrect information ; and, 3 ) increased the interest rate on my student loans prematurely in violation of the loan terms.
I received a letter from XXXX XXXX ( reference # XXXX ) indicating I was denied for an XXXX that I did not apply for ( denial letter attached ). This inquiry is on my credit file as well. Please investigate the authorization of this inquiry and forward findings to my attention at my mailing address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
Not only is my concern that I did not authorize this inquiry but that that this inquiry used my employer 's mailing address. 
Your prompt attention is appreciated.
I received a letter from XXXX regarding my credit card account with them. However, I don't have an account with them, never have. In short, I requested that they open a fraud investigation and close the account immediately. When asked how and when the account was opened, I was told it was opened just a week before my call on XX/XX/XXXX via online. I asked what information was needed to open the account. I was told my name, ss #, dob and an email address. Which is XXXX to say the least. They have no idea who's on the other end of the computer. As a consumer, I'm asked tons of questions to prove who I am to review MY OWN report but creditors don't need anything. That's part of the identity theft problem. The email address that was given was not even mine or one that I'd ever used in the past. In trying to obtain MY OWN report, I couldn't even remember the old phones I had years ago, ( which is one of their verification questions ) so I couldn't even get my own report to see if there was an inquiry on my report from XXXX XXXX. How's that for privacy? My identity was stolen in XX/XX/XXXX for someone that opened a XXXX account in my name. It was again the credit bureaus that released my credit history without my consent/authorization. The identity thief even gave them an address that I'd supposedly had in the most recent 2 years, that's not even in my profile as one of my addresses EVER! They should never have released my credit report to XXXX. That also allowed for my identity to be stolen. If the CREDIT BUREAUS were sanctioned for each and every instance that they fail to follow the law, identity theft would go down. But, NO ONE MAKES THEM ACCOUNTABLE FOR THIS. It's not fair to us as the consumer. What information is required of each creditor when they ask for a consumers report from the bureaus? Not to mention Equifax 's " not so long ago '' Breach, which could be the very way my name, ss # and dob was illegally obtained by whomever opened this account in my name with the very CREDIT REPORT RELEASED by Equifax. I take it nothing was done to the bureau for this breach and the consumers are still taking the hit for it. Equifax only requires that a credit supply them with the consumers name, ss # and date of birth and some bogus email address that was simply my XXXX. That doesn't appear to be compliance with the FCRA section 604. That's all the information that a creditor has to produce and the bureaus are allowed to just release your credit report? Any hospital that a consumer has been to, any procedure facility, any electricity carrier, any cable company, any mortgage company ALL have this information on every consumer in the world. That information is standard everywhere. The bureaus should require more information before simply releasing consumer reports based on that. Particularly when the creditor has received this information ONLINE. They have no idea who is on the other side of that computer and the bureau certainly doesn't. I feel that 95 % of fraud and identity theft could be prevented if the Big 3 Credit Bureaus ( and all the small ones ) were made to comply with the law!!!!!!
For 2 1/2 years , OCWEN has put my mortgage payments in different accounts, and then says I have n't paid. Starts giving me late charges and dings my credit. The latest issue, OCWEN has suspended 2 payments. OCWEN has cashed my payments but did n't apply them to my account. I have spent hours going over this issue with different representatives. Each time, said representative sees my payments and says they will get back to me, to no avail. I am paid in full, OCWEN has cashed all my payments.
I was sent a letter on XX/XX/XXXX ; from XXXX XXXX., A professional XXXX XXXX, XXXX, CA XXXX ; stating I owe : {$6000.00} from TD Bank USA, N.A. ; account # : XXXX XXXX. I will first state ; the last payment made on this account was XX/XX/XXXX, the account was Charged Off on XX/XX/XXXX and closed, this account was removed from all XXXX of the major credit reporting agencies in XX/XX/XXXX, Experian removed it : XX/XX/XXXX. 

XX/XX/XXXX ; the above law office sends past bill notices and also they sent me a " Judgement by Default '' dated XX/XX/XXXX ; in which I NEVER knew about, NO ONE EVER HAD ME SERVED, AND THIS IS THE FIRST I HAVE SEEN OF THIS court document. Case # : XXXX. 

I would like to know, how can Target get a judgement on me in XX/XX/XXXX, after they Charged Off this account, and AGAIN, this account was removed from my credit reports in XX/XX/XXXX and in XX/XX/XXXX. 

I responded to their first letter on : XX/XX/XXXX ; stating the 7-year diary has came and gone in XX/XX/XXXX ; the account has been removed from my credit reports, and trying to collect on an account after the 7-year diary is protecting me, this is not legal and I would like them to close the account from their files. 

This is when they followed up with their letter on : XX/XX/XXXX ; showing a default judgement for XX/XX/XXXX ; in which again, I was NEVER notified of being " sued for a judgement '' and I was NEVER notified of a court date. 

What I do know is, Target charged off this account. XXXX removed this account in XX/XX/XXXX. XXXX and XXXX removed it in XX/XX/XXXX 

XXXX Credit report dated on : XX/XX/XXXX is stating and showing ; Target " Charged Off '' and " Closed '' this account on : XX/XX/XXXX. Getting a Judgement on me in XX/XX/XXXX ; 2 years later and now a Law firm is contacting me to collect a debit, that is over 7 years old, this is illegal. 

Please help me with this matter. I do not have a scanner to scan my documents, but I can fax this to you if you provide me with a fax number.
I wanted to report a SYSTEMIC DECEITFUL PRACTICE OF TD CREDIT CARD SERVICES. While a majority of the credit card companies out there, send you alerts before the payment is due, TD CARD SERVICES DOES NOT SEND ALERTS BEFORE PAYMENTS ARE DUE BY EMAIL ( THEY DO N'T ALLOW EMAIL ALERTS, FIRST PROBLEM, THEY DO IT ON PURPOSE TO MAKE PEOPLE LATE ON THEIR PAYMENTS ) ; BUT EVEN WHEN YOU GO ON THEIR WEBSITE TO SET ALERTS ( WHICH IT SELF IS A COMPLICATED PROCESS, WITH ALL SORTS OF MATHEMATICAL OPERATIONS, AT LEAST TO THE LAY PERSON ), THEY GO BACK IN THERE, AND DELETE ALL THE ALERTS YOU SET UP. SO IN EFFECT, TD CREDIT CARDS DELETES ALL THE ALERTS YOU SET UP ON YOUR TD ACCOUNT ( ON THEIR WEBSITE ), INCLUDING PAYMENT DUE DATE ALERTS, TO DELIBERATELY MAKE PEOPLE LATE ON THEIR PAYMENTS. I RECEIVE ALERTS FROM EVERY OTHER CREDIT CARD COMPANY A FEW DAYS BEFORE MY PAYMENT IS DUE, EXCEPT FROM TD CARDS ; THEY PURPOSELY REFUSE TO SEND OUT ALERTS, THEY SAY THEY ALLOW YOU TO SET IT UP ; BUT WHEN YOU SET IT UP, WITHOUT YOUR PERMISSION, THEY GO INTO YOUR ACCOUNT AND DELETE THOSE ALERTS, BECAUSE THAT 'S WHAT HAPPENED TO ME ( I REMEMBER SETTING IT UP, THEN HAVING IT DISAPPEAR, I 'M ASSUMING, THEY 'VE DONE IT ON PURPOSE, BECAUSE IT SEEMS CONSISTENT WITH THEIR OVERALL BUSINESS PRACTICE, BUT NEEDS TO BE INVESTIGATED FROM YOUR PART TO MAKE SURE, IT 'S NOT AN ISOLATED INCIDENT ). I HAVE LOST HUNDREDS OF DOLLARS, BECAUSE I GET NO CORRESPONDENCE FROM TD BANK AS TO WHEN MY PAYMENTS ARE DUE! I AM NOT SURE HOW THIS CORRUPT COMPANY IS ALLOWED TO OPERATE IN AMERICA, BUT THEY NEED TO BE HELD RESPONSIBLE FOR THEIR WRONGS!
I was informed via email on ( X/XX/17 ) from Cash Central a reminder notice that I had a payment of {$380.00} that would be withdrawn out of my account that was due on ( X/X/2017 ) on a loan of {$2500.00}. I immediately called & informed the Rep.I spoke with that I definitely did NOT borrow any money, no money had been deposited into my acct from their Company, let alone was not aware of such a transaction had taken place in my name until that date Therefore it 's evident that someone had committed fraud against me & I wanted to get this matter resolved asap! I was told that I would have to fill out an Identity pkg, sign a affidavit, have it notarized & get a police report which they were suppose to email me., Unfortunately I never received the pkg from them & had to notify them at least ( 3 ) times as such. They finally mailed me the pkg on ( X/X/17 ) which I received on ( X/X/17 ). <P/>As a result, I 've filled it out & faxed to them on ( X/X/17 ) & at this point, it 's still a work-in-process until I hear from them & get the outcome of their findings.
This is not my bill. At the time of service I had XXXX types of medical insurance that would have covered this bill.
Contacted me multiple times for a debt I settled with a previous collection agency. Also contacted my mother more than once without her permission to contact her after the first time. They were sending mail to the wrong address due to a typo on their end so now other individuals have access to my information. After making sure this was a debt I took care of I called back to question why myself and my mother have been receiving calls from them on something settled and they wanted me to confirm my social security number. Knowing of all the scams that take place with this kind of stuff I was uncomfortable confirming my information. I told them that was not needed they just needed to stop contacting me and especially my mother because she did not give them permission and that was against the FCRA. The lady on the phone hung up on me after I said that.
On Thursday XX/XX/2018, I was notified by XXXX XXXX that a collection had been placed on my account. The collection was from XXXX XXXX XXXX ( original creditor was XXXX ) for {$290.00}. This dropped my credit score almost 50 points. First of all, I havent had an account with XXXX in over 6 years. I have received zero notifications about a debt owed, going to collections, being sent to credit bureaus, absolutely nothing. I tried contacting Waypoint multiple using two different numbers. One phone number listed on XXXX XXXX and the other on their website. Had I been contacted about this debt and shown that it was an honest debt, I would have gladly paid. However, after investigating, I have found out that multiple people are having the same issue with this company. Collections appearing out of nowhere, with zero notice, and all fairly recently. Many people believe it is a scam and I refuse to pay this until I have proof of this debt. I also want this collection taken off of my credit. I have worked very hard to build my credit back up and this has hit that hard with zero warning.
It 's been well over a year now, and I 'm still battling with Equifax and   XXXX   to review my statements and remove the remaining collection accounts. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and th e CEO 's  and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.