WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX has an amount of {$250.00} they accuse me of owing, they have sold this account to several collection ( Transworld Systems Inc and Now XXXX XXXX XXXX ) agencies. Which XXXX XXXX has reported this item on my credit report in the amount of {$310.00}. In X/X/2015 my daughter was seen at XXXX XXXX Hospital, while she was still covered under XXXX ( which expired in X/XX/15 ). So someone drop the ball and did n't charge or follow up with XXXX and now harassing me for an amount that they think owe. I tried to resolve this several times. I even made one payment in error not realizing that this was an account that was suppose to be paid by XXXX. When I requested for my money back they said no. I 've sent a letter too, stating that I do n't owe this money. So here we are now 2 years later. I 've never received a letter from this XXXX XXXX XXXX of validation of this account ; and the amount they are trying to collect is {$310.00} which is a different and higher amount. They reported it to the credit bureau, I called them to inquire and they ca n't even find me in their system, but yet this charge is on my credit report.
Pursuant to 15 USC 1681 g ( a ) ( 1 ) I requested a copy of my credit file from both XXXX and Trans Union.
XXXX responded with a copy of a credit report.During my discussion with their customer service and supervisory people. I was informed that the file and report were the same thing ; and that the my file belonged to XXXX ; and that I have no right to it.I replied that the information is mine ; and the statute mandates that they provide it upon request. They stated that would not ; and that I would need to sue them ; and then subpoena the file.
Trans Union did not reply at all to my request,.
I received an alert from XXXX regarding a collection was added to my credit report. This collection I have no knowledge of and also, I was not contacted by this collection company and I do not have a contract with them regarding anything. I confirmed with US postal service and there is no record of mail or phone call that was sent to me from this company. By law, you have to contact the consumer first and send something in writing, then come to an agreement. And if all else fails, you are required to notify the consumer that this is an attempt to collect a debt. I have not received any of this.
RE ; Fay Servicing LLC-Loan Account # XXXX To whom it may concern, I just received the following letter from Fay Servicing and i am really upset with all the misleading information that XXXX XXXX is providing us. 
Over a year ago i requested for help under the XXXX Short Sale Program due to my hardship, As of XXXX 2015 my realtor finally got an approval on the XXXX Short Sale however the buyer was not able to get prequalified due to his income. The same month XXXX XXXX told me that my realtor was not acting in good faith and therefore if i want them to review my XXXX Short Sale i will have to look for another Realtor. 
So i did like XXXX XXXX from Fay Servicing told, i went and got a new Realtor. Now the new Realtor XXXX has been working on the account since XXXX XXXX as of XXXX/XXXX/15 Fay Servicing LLC/ XXXX XXXX stated that they issued an approval however the approval was received until XXXX/XXXX/XXXX giving us less than 10 days to close. At that moment my realtor told me it was n't enough time to close and he will be requesting for at least 10 more days to get the escrow finally done. 
Since then XXXX XXXX XXXX refuses to answer my realtor 's calls or emails, we requested for her manager and XXXX License Number and now she does n't even answer our calls. After 3 months trying to get a manager we finally got transfer to XXXX XXXX ( Senior Vice President ) who stated he will not issue the extension or any review because of my background. 
I am starting to believe that XXXX are trying to manipulate and take away my home. I dont know what to do now, please Im begin for your help. 



XXXX XXXX
I am requesting the removal of a bankruptcy on my Experian credit report due to Civil Case No.XXXX. I did not know the source of your information of this bankruptcy and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please remove this bankruptcy as it is adversely affecting my credit. Previously, I requested such removal and I have also attached to this complaint a dispute letter from the company XXXX confirming the results of their Reinvestigation. For your review, I have attached a copy of the results to this complaint.The U.S. Bankruptcy Court also confirmed that they do not report any information to the credit bureaus  including my social security number which is needed to correctly verify any accounts on my credit report. Since this is a request and not a dispute, I would like to receive confirmation that the bankruptcy listed on my credit report has been removed within 15 days of the receipt of this complaint. Your attention to this matter is greatly appreciated
XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me ENHANCED RECOVERY CO L XXXX Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I originally contacted the debt collection company midland credit management in order to reach a resolution on an account that had been purchased by their company. They stated that the debt was not available and that I should call back. I called back and was transferred to a representative that stated my balance as being {$480.00} on an account that was charged off by the creditor at {$190.00}. I offered a settlement of {$250.00}, more than a 50 % settlement. They denied my offer and I stated that I will continue to offer the settlement in hopes that we could eventually resolve this account. I have continued to receive phone calls everyday for about 3 weeks to which I always make a point to answer and reiterate my settlement offer. On XX/XX/XXXX I spoke to a representative for an hour in hopes of reaching an agreement. He offered me {$290.00} and told me that if I did not pay that amount that they will continue to collect and that it would result in me paying the {$480.00} in full. Upon this information I requested written correspondence of the debt. He stated that the document had already been mailed, I asked him where it was mailed as I had not received it and he gave me an address that is not correct for me. I asked him to resend the letter, he refused to do so stating that it would take 7-10 days and that this account does not have the time to wait for the letter to be sent. I continued to request the letter and he continued to refuse to send it stating over and over that this account has been in the office for a month, which is untrue, and that getting the letter would do nothing. This is a violation of my rights as a consumer according to the FDCPA. The collector used untrue statements, harassment tactics, and clearly disregarded to the FDCPA when it was brought to his attention. As a company with previous class action lawsuits regarding similar incidents this clearly falls in line with previous rulings of illegal debt collection practices.
I settled with XXXX on several accounts last year. They are still reporting them as open collections. They agreed to accept a certain amount, I paid the amount they requested and they have not reflected that on my credit reports. They are still reporting as in collections instead of paid. They are the XXXX accounts stating in collections
XXXX 's Place switched banks that handle the store credit card from XXXX to Comenity Capital Bank. XXXX offered an autodebit option where as Comenity does not.
Online access to my funds has been restricted. Chase Bank is causing a hardship by restricting my livelihood and access to my funds for daily life. I live in XXXX so I can not go into a branch to clear this up which is the only option they have offered to me. On XX/XX/XXXX I used a bank product to send funds to my son in the US. The payment was canceled when he didn't respond in time and caused, it seems, my access to be restricted. Since then I have spent over 3 hours each call trying to get this cleared. On XX/XX/XXXX when I asked the operator for a moment to check on a date for an answer, she refused and said the only solution was to go into a branch. She also seems to have noted that I was not able to answer a number of questions correctly, which is not true. I know there are other ways to resolve this restriction on my account that don't require I go into a branch,, since something similar happened about a year ago and they took measures to clear my name without a visit to a branch. I need help to find a solution and get access to my account as soon as possible if I am to pay my bills.
I recently viewed my XXXX Credit Report and observed that GM Financial conducted an inquire 3 times, XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. I do n't recall granting authorization to GM Financial to inquire my XXXX credit report 3 times in a time period of 5 days. I am requesting GMFINANCIAL to send me the documentation 's used to authorize there inquiries so I can verify it 's validity. If they are unable to provide me the mentioned document 's ( 3 ) I am requesting GMFINANCIAL TO REMOVE THE INQUIERIES FROM MY XXXX CREDIT REPORT. I am prepared to seek legal council and pursue legal action for GMFINANCIAL knowingly and willingly violating my rights granted to me by the FCRA. Thank you for your immediate action to my request. Furthermore, in addition to GMFINANCIAL contacting XXXX I want GMFINANCIAL to send me a letter confirming that the request was made to XXXX to remove the mentioned inquiries from my credit report for my records.
I am a XXXX XXXX and Castle & Cooke Mortgage out of the Mississippi location told my borrower she could do a bond loan through XXXX XXXX XXXX XXXX via one of their programs or if that didn't work she could do a loan through the XXXX XXXX. The borrower well exceeds the income guidelines for both programs as well as exceeds the income guidelines for USDA. I spoke with them and told them she did not qualify. I was told they wouldn't be counting her stipend income or her second job income. I contacted all 3 entities and confirmed what I knew to be correct ... this is fraud. The fact they knew her income was too great for the programs they were telling her they would put her under even after she had provided income documentation seems to be a clear cut bait and switch tactic to me. I explained this to the borrower but at this point they pulled the FHA case number the day we tried to pull it and will not transfer it. They are still telling her they can do one of these loans or find something with no down payment. I inquired with them about the programs they offer and no such program exist based on this customer profile. My XXXX # is XXXX.
Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX mere confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. They were also ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
there are debts on my report that have been on my credit report for twenty years. But they are not my debt. XXXX, XXXX, XXXX XXXX and other company popping up with different Social Security Number
when i applied for a truck loan in 2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No one is able to help me, I've called numerous people for help and am getting no where. HELP!!
This is my second CFPB complaint about Midland Credit, I am now providing further proof that they have been mishandling my garnished funds. I would like a complete payment history from XX/XX/XXXX to the current date. I have asked for this simple request 3 times, and have yet to receive it. I believe as a consumer, I have a right to see how Midland has applied the funds they have received. My paystub garnishments do not match the amount that they are crediting and I am fully aware that there is a {$12.00} sheriff fee that is taken out first. Most of the amounts still do not match. I am enclosing a copy of my last two paystubs as well as Midland 's online account record. You can clearly see that neither of the garnishments have been credited to my balance, in fact the two paystubs, XX/XX/XXXX had a garnishment of {$200.00} and XX/XX/XXXX had a garnishment of {$2200.00} for a total of {$2400.00}. Midland has a credit of {$640.00}???, which is probably amounts the know they have not previously credited and are trying to cover up. Where is the {$2400.00} that I have been garnished for? Please also note that my YTD garnishment as of XX/XX/XXXX totals {$6600.00}, and Midland 's YTD application of funds only totals {$4400.00}. They have had plenty of time to credit these funds, but continue to play games with my money and further they have failed to provide me with the proof of my complete payment history which is most likely to cover-up for their misapplication of my funds. I am asking again for the complete payment history, and an explanation of the amount of daily interest accrual they claim I owe, and a calculation as to how they arrived at that figure.
We fell behind on our house payment due to me getting sick with XXXX and having to have XXXX and XXXX treatments. I was out of work for over a year. They started foreclosure activity. we tried to do deferments of the loan or modification of the loan, with no luck due to not enough income, and said we were not eligeable for deferment of house payments due to unemployment. We were also told that we could not appeal the decision which the letter from the bank stated we had 30 days to appeal and we tried to appeal 3 days after the letter. We resubmitted our request for modification and was told that when they were reviewing the modification request that all foreclosure activity would stop until they had an answer. 3 days later XXXX XXXX called and said that they were going to proceed with the foreclosure and the sale of the house even while they were making a decision on the modification while it was in review. We still continued to receive letters stating that they would have an answer on the modification by XXXX XXXX. The house had already gone up on forclosure and has been listed on auctions.com I called the lawyer that represent citi XXXX XXXX XXXX and was told that citi has so many different departments and they do not communicate with each other, that our house was on hold for the forclosure sale. Still being listed on XXXX for auction.
My automobile finance company, XXXX XXXX XXXX reported all of a sudden that I was 30 days delinquent in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reviewed my transaction payment history in according to their online payment history of my account and I have not been thirty days late on either of the months. i disputed with them through the credit bureau and by writing a letter to them and they said the information was correct. i also contacted them by phone and they could not verify after checking that I was late. This time i suggested maybe they was reporting someone else and in error put a number wrong and went on my credit report instead. I have attached their online payment history from their site and the letter I just wrote again asking them to review my account again. I think this information just got put on my credit report this year I look at my credit report through XXXX XXXX almost weekly and I did not recall seeing any delinquencies from Hyundai..
Experian is reporting a creditor on my credit report that has not validated the information about the reported account, XXXX. XXXX has reported an account as in collections before validating the account, This is a violation of the FCRA,
First off, I believe that I am being wrongfully foreclosed on due to the following. On XX/XX/XXXX, the California XXXX XXXX posted publically, that XXXX XXXX XXXX, XXXX entity # XXXX was no longer allowed to do business in the State of California ; however, on XX/XX/XXXX, said company recorded a Notice of Default and Election of Sale under Deed of Trust in official records of XXXX XXXX. If XXXX was no longer allowed to do business in California, how were they able to issue foreclosure documents against my property. Next, XXXX XXXX XXXX is the new Trustee as of XX/XX/XXXX. Since this time, XXXX XXXX XXXX has recorded a Notice of Trustee Sale against my property piggybacking off of XXXX fraudulent Notice of Default. 

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California XXXX and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
I pulled my annual credit report XX/XX/XXXX and noticed I had incorrect and fraudulent accounts that were being reported. I sent a dispute letter in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX. I contacted XXXX Bankruptcy Court in XX/XX/XXXX. stating that incorrect information is being reported on my credit report. Bankruptcy court replied, '' they do not report to credit agencies for me to dispute that information with the credit reporting agencies. '' Therefore I sent out the letter that I received from bankruptcy court asking them to remove it. And XXXX and Experian refuse to remove it.
On XX/XX/XXXX I uploaded on experian.com/XXXX  successfully my dispute letter and credit report to Experian about public records they are reporting by error on my credit report. I also provided them with a copy of my driver 's license with my current address to provide identification. 

I called yesterday XX/XX/XXXX to check on the status of the investigation but the representative said that they had not investigated anything received onXX/XX/XXXX. Experian is suppose to contact the data furnisher of this disputed information within 5 days of a dispute. They did not and this is a violation of the Fair Credit Reporting Act.
After reviewing a copy of my credit report i saw that there several items that were reporting incorrectly, were not mine, were missing information, or had incorrect amounts. On XX/XX/XXXX I sent the credit bureaus letters. <P/>I waited almost SIX WEEKS, and received ZERO response. <P/>I again sent another letter on XX/XX/XXXX and now another SIX WEEKS have gone by and I have ZERO response. <P/>I have no idea why they are not responding. i have done everything the websites say that i am supposed to do. I have been very detailed in what i think is wrong with the items that are on there, and i am quite frankly FURIOUS that NO ONE IS HELPING ME. <P/>Thinking that maybe there was something wrong with my ID bc it had an old address ( NOT bc i was told anything by the bureaus, bc no one responded ) - i spent time, and money ( that i DO NOT HAVE ) and got a new copy of my drivers license. <P/>I am incredibly frustrated by the lack of response from the credit bureaus. <P/>Nothing i am doing is getting a response or correction of items on my credit report. <P/>The FCRA states that they are supposed to do a reasonable investigation of the issues i am presenting and i am being ignored. NOTHING IS BEING VERIFIED. THERE ARE THINGS ON MY REPORT THAT ARE WRONG and NO ONE IS DOING ANYTHING ABOUT IT. <P/>I am SICK & TIRED of again, spending TIME & MONEY that i do not have making sure that someone is doing their job. I have to do mine, and i make no money. Someone is getting paid to ignore my letters and its a bunch of XXXX. This is n't fair, this is n't right and i am completely disgusted by this.