WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN XXXX I have contacted both XXXX XXXX and the credit bureaus 3 times for a signatured validation of this account and they have still not provided the validity of the account. They just state that its verified. I have never done business with XXXX XXXX. The last communication was the following letter. 

To Whom It May Concern : This letter is regarding account # xxxx as reported on my credit report, which you claim my account was charged off {$560.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
XXXX continues to put on my report information bill for a XXXX cell phone i never owned in 2010 but when i called they wont take it off and they are continuing to send collection bills by collecton agency as well. for {$410.00}. i want this information off my credit reports and have them stop ruining my credit for a phone i never owned in 2010 or had or applied for. there must been someone else trying to get this card under my name or ss number or something.
I do not know where to start to be honest. I am XXXX and can not maintain my house any more and had to move out. I tried for a modification and was denied then tried for a shortsale and bank of america tells me i did not complete a modification. this is utterly ridiculous. i have been trying to do a shortsale and they denied it because they said i did not turn in a bank statement. it was uploaded in XXXX. bank of america also said i can not do a shortsale because i did not do a modification, i have news for you i have worked on a modification with XXXX XXXX for about XXXX months to get bank of america to open the file in XXXX and work on a shortsale. so the negotiator XXXX XXXX told me the file is declined because the home is vacant, however it is a guidline that if hope was vacated because they are XXXX and can not maintain the property a shortsale can take place. that was what i was doing but this man denied the file because he could not reach me. declined because he could not cal me. finally he called me and spoke to me for about XXXX hour PLEASE LISTEN TO THIS CALL he said the file should not have been declined and would get the file back to XXXX XXXX and she would re open the shortsale. this was over a month ago. i called in last week to check on status because i was not contacted and some person at bank of america tells me the property will foreclose and that the shortsale was never in the works ... .omg it is in XXXX and been a shortsale for almost a month ... ... .wow verified stupidity. they said i have to be reviewed for a modification. i am meeting with a attorney the AZ Dept of housing refers and letting them listen to the conversation of bank of america stating they made a mistake and will fix it. so far this has not happened. this is ridiculous and i can not even type anymore as it is so painful all i have been through. i am so upset. please do not foreclose on me and approve the shortsale. i even wrote the VP XXXX XXXX at bank of america and he never responded. what is happening is wrong and this is horrible. the lawyer says he will take it on and has cause so that is good but who wants a law suit i just want this to be over approve the shortsale and move on with my life!
Per XXXX of this company said they are owned instructed by Ocwen to foreclose on said property.

Ocwen is in the middle of a loan modification to save our home.

The first time XXXX XXXX left documents they were placed on the front porch and flew all over the neighborhood.

Display for the neighbors This time taped on the front door
In XXXX of XXXX I was making payments under a modification yet I was denied by XXXX XXXX XXXX, citing that I had not mailed back the modification packet. They immediately proceeded with a foreclosure that occurred that same month. After investigating the facts they found that they had not mailed me the documents they were requesting and proceeded to rescind the foreclosure. At the same time the loan had been transferred to a new servicer, Caliber Home Loans. XXXX stayed in closed communication and in early XXXX XXXX I spoke with the trustee who said the rescission had been completed, I further verified it with the new bank as the loan had gone from the XXXX department, who was in the process of an eviction, to the reqular servicing department. 
I was told by XXXX that I 'd have to start the modification process all over, since the previous modification had not been fully executed. 

I contacted Caliber to obtain copies of the XXXX application to apply and was told what was needed and where to submit it. As I am completing the application, I receive a Notice of Trustee 's sale from Caliber with a sale date scheduled for XXXX XXXX, XXXX. 

They have never called me or reached out to me, I began the communications and told them I 'd send in the loan mod application. They have n't given me an opportunity to apply for the loan mod. 

I would like to keep my home and be reviewed for a loan modification and be offered something similar or better than what was received from XXXX.
The Experian free annual credit report does not print correctly. I printed all 3 credit reports from Experian, XXXX, and XXXX, and all were fine except for Experian. Their page/report is formatted in such a manner that there is a lot of blank space on the left portion of the page and the information on the right side of the page ends up being cut off. I tried printing the report in different orientations ( landscape and portrait ), different zoom levels, etc., and results were always the same. 

Information cut off when printing the report includes : My Name Balance Balance Updated Date Recent Payment Amount Monthly Payment Amount Credit Limit Highest Balance Terms Sample Provided with personal information redacted. 

Neither XXXX nor XXXX had this issue. In fact both them offer an option to download the report as a PDF, thus avoiding website formatting issues or incompatibilities with certain browsers ( I use XXXX ). Not only is Experian 's website unable to format the report in a manner that can be printed, but they also don't offer the report for download as a PDF. 

It appears to me that Experian have chosen to go out of their way in order to snub US citizens who chose to exercise their right to receive a free copy of their annual credit report. I can only assume the reports they sell on their website do not come with the " limitations '' that are included in the free report.
I have a Citi XXXX issued by Sears. I used this card to have a $ XXXXpurchase in sears store XX/XX/XXXX. I updated my address in sears. 
I changed my address in the local post office. But I never ever receiveda bill mailed to me. Because I do n't use this credit card too often, and alsoXX/XX/XXXX is a holiday season, I do n't remeber this bill. 
Today, I got a call from XXXX to say I have a bill for {$240.00}, which inculde the late fee XXXX. I do n't think it is my fault to cause the latepayment. I beleive there is Something wrong about the bank or sears'ssystem. 
When I called sears, their custom service told me they just update myaddress on XXXX XXXX. I already update my address on the day I did thepurchase. 

I definitly would like to pay {$68.00}, but I request waive the late fee. becauseit is the bank or sears 's responsibility. 
I called them, also, I sent a email to dispute ( XXXX This issue have n't been resolved. 
My reference number is XXXXMy card number is ****************
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Took out a payday loan from Spotloans for XXXX Paid XXXX per month sand still owe XXXX and then come to find out that they are illegal in Alabama
There are actually XXXX problems : 1 ) We 're applying for a mortgage refi and our credit was pulled to see if we qualify. I had tracked my XXXX score for months on my bank 's ( XXXX ) site, which reported a score of XXXX until this month when it reads XXXX. The scores pulled for the loan range as follows : XXXX ( XXXX ) ; Equifax ( XXXX ) ; XXXX ( XXXX ). The mortgage broker is unable to explain the discrepancy between these scores and the XXXX score my bank reports. What gives? 

2 ) I downloaded my free XXXX report ; when I tried to do the same for Equifax, part of their " security '' routine was to ask questions about accounts opened several years ago, but in such a way that I had no idea what could possibly constitute the " correct '' answers to this quiz. Because the Equifax score is critical to our loan evaluation, I need an online report from them, yet I can obtain only a snail-mail report. Presumably, I failed their " quiz. '' This leaves us high and dry. 

3 ) A new mortgage-servicing company ( XXXX ) just took over our existing mortgage. The XXXX report I received online shows they did a credit check on XX/XX/2016. I neither wanted, nor needed, nor authorized this credit check, which would not be helpful when we 're applying for a refi. What can be done about this unwanted intrusion in our financial affairs? 

Thank you.
my previous mortgage company, SLS, reports on my credit report " foreclosure proceedings started '', i ended up settling and doing a short sale. my report should show short sale, by leaving the foreclosure proceedings started on there, it precludes me from getting another mortgage for 7 years instead or 3-4.
I am trying to check my credit report and I can't even verify that it's me because I don't have the " correct '' answers to the verification questions. I believe someone has stolen my identity around XX/XX/2013 when my X-Box was stolen. I don't have any evidence that's it's me because it's been going on for so long without me knowing it. I have a military ID and a SS card to prove it's me.
Student loan reprting is deceptive and destructive in the way they report to the credit bureaus. This appears to be a common problem that I am surprised hasn't been addressed. I took out 4 parent plus loans which have all been in deferment until recently. The problem is on all 4 loans they show a high credit of only the original loan amount. Interest accrues and the amount I owe is correct on the report however with the high credit only being the actual amount of the original loan amount on the credit report takes away available credit and show the loans are collectively negative by about 130 % of the original amount. This is destroying credit reports from all students. Once the loans go into repayment then the loan is set and should reflect the original loan amount plus interest as a high credit because it is. That should be your high credit because that is actual. This is deceptive practices. I have sent certified letter to XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and they are standing by their reporting. Also sent certified letters to the credit reporting agencies. I have all the documentation to provide.
On XXXX XXXX I contancted Experian, XXXX and XXXX. to remove comments regarding a dispute. I went on record to remove the comments that I was disputing. Because I was trying to refinance my home the comments where affecting me in obtaining a loan. XXXX and XXXX removed them immediately. Experian said they had to get ahold of the person who I was disputing an ambulance bill that was not mine but my husbands. Experian said I had to wait 30 days. I was very angry but waited the 30 days then they said they could not remove the comments because the collection agency said not to remove them. The comments where that I was disputing this item. the comments came from me. How can a third party tell Experian what to do with comments I generated. till today XXXX XXXX they do not want to remove the comment that says I am disputing that claim.
I received a letter from the Assigned Department Document Service Center stating that they could help me consolidate my student loans. I called them and gave them my personal information in order to see what options were available to me. I spoke with XXXX XXXX. She offered me many options and then requested that there would be a fee associated with consolidating my loans. I gave her my personal checking account info but towards the end of the call felt very uneasy and asked to cancel the entire transaction. She got very angry with me and did not want to talk to me anymore. I asked her to send me an email stating that nothing would be processed and she was very reluctant to do so. I am worried that my information may have been compromised. I called them back and they said that as long as I did not go through the " compliance department '' then nothing would be processed and everything would be cleared in 24 hours. I am very uneasy about this and I am afraid they may charge me anyway. I have already called my bank to put a hold on my account.
I would like to submit another complaint regarding my AFNI , INC collection account. I am so disappointed to see this inaccurate and illegal item still appearing on my credit report. I have asked AFNI, INC. to remove their unlawful account from my credit reports with the XXXX bureaus and they still refuse. I have told them repeatedly that I was aware of their illegal tactics they utilized to obtain my debt, attack and harsh me regarding this debt and finally fail to validate this debt or show me any signatures or anything owning up too it. All they have sent me is my statements from XXXX XXXX which SHOULD NEVER have been sent to collection as I explained to XXXX and AFNI that this account was overdue on the account of MAIL THEFT at my home. I have my police report number to provide XXXX. I spoke to both parties involved and was specifically told that once the debt was paid to XXXX i would have this account removed from my credit report. But, instead, in order to shoo me off and shut me up AFNI, INC. sent me a BOGUS recipe through your portal dated XX/XX/2015. starting that my debt was resolved and that it would be updated with the bureaus. Well this is WRONg, my debt was resolves a longs time ago with XXXX, i never receive a payment slip or anything from AFNI , INC ad they have no right to hold my credit report hostage anymore. If their employees are liars and they are scamming me out of money and saying whatever they think i was n't to hear just so they get my money and then refusing me what they promised then i would like their to be a record of their lies and cheating. I will not stop until they removed this account from my files with the bureaus completely. Their account is riddled with misinformation and because they have SIGNIFICANTLY violated CFPB laws i require that they remove this account immediately. I will not suffer because of them anymore. Already they harassed me and abused me over the cell phone with their robotic messengers and they forced me to pay to delete, though i had informed everyone that i was a victim of statement theft and identity theft. I can not believe these people. they forge documents and send them through your federal database and pretend that they follow the law and that they are a legitimate company but they are NOT! They are liars and sneaky and aggressive and they forge paper work and do not validate or verify any forwarded information! As a victim of identity theft and mail fraud i should NOT have to suffer! XXXX is also at fault here, obviously they did not communicate this withe their " vendors '' who abusively collect on their behalf. They all should have know that this should NEVER have been sent to collection. Then to lie to me and say pay it so it goes away, well where? LET IT BE REMOVED or I WILL PURSUE LITIGATION! I
I graduated in XX/XX/XXXX from XXXX. XXXX had my loans. I requested in XX/XX/XXXX that my loan repayment plan be XXXX. I also wanted to enroll in XXXX. XXXX never changed my standard payment plan to XXXX. Now FedLoan Servicing has my loan for XXXX and state that I owe a payment on the standard payment plan. I should be on the XXXX plan. My interest is accruing everyday Since XX/XX/XXXX. I can not afford to pay {$2100.00} a month, I should be paying closer to {$320.00} a month.
Kay Jewelers is set to come off my credit reports in XXXX 2016. However, Florida Statute XXXX indicates that it should not be reported more than 5 years after the final payment which led to the charge-off. Therefore, it is beyond statute of limitation.
On XXXX XXXX I went to XXXX XXXX to possible purchase a vechile. XXXX XXXX never informed me they would be having other banking financial run my credit. Now I am trying to refinance my house and this is holding me back XXXX XXXX XXXX XXXX TD Bank- XXXX XXXX
TO : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX CC : Wells Fargo Home Equity Solution XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX I am XXXX XXXX XXXX natural person whom is seeking assistance with filing a complaint against Wells Fargo Bank of XXXX . This is about my primary Residence located at XXXX XXXX XXXX, XXXX XXXX XXXX. 

This notice is brought before you because a " debt collector '', has engaged in consumer debt collection activities within Wells Fargo Bank of XXXX, against me. 

Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note, which they are not the " original lender '' or " creditor '' to whom the debt was owed. XX/XX/2013, Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of XXXX, my original lender. 

I have repeatedly provided Wells Fargo with all my financial information, including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time, they still refuse to help me save my primary residence. This is a self sustaining rental property, if I receive the Mortgage Modification. 

It is my belief that Wells Fargo is engaged in " Redlining '' for failure to assist me with my property, in XXXX, XXXX, that I believe qualifies for at least one of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development XXXX. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits " unfair or deceptive acts or practices in or affecting commerce ''. 

I look forward to hearing back from you in an expeditious manner. 


Sincerely XXXX XXXX XXXX XXXXXXXXXXXX
I worked through an attorney and realtor to try to secure a short sale for my home. I had a buyer and a valid contract for the house. All paperwork was submitted to the bank for approval including the form communicating I was using an attorney for any and all communication regarding the property. All documents were confirmed received previously by CITI yet they advised the attorney on XXXX, XXXX/XXXX/15, that they still needed several documents in order to proceed with a short sale or foreclosure postponement. The attorney requested a postponement as there is a valid contract for purchase. The bank then denied the short sale and foreclosure postponement. The foreclosure is set for XXXX XXXX, 2015. Citi failed to provide short sale response in a timely manner.
I had 3 accounts open with Bank Of America from XX/XX/XXXX-XX/XX/XXXX. All my earnings/assets ( all the money I have to my name ) is inside the account with a positive balance. A balance of {$120.00} ( estimated the cents ). I just would like to revive ALL my money that was inside the account quicker than 10 days I cant wait at long I have a wife, kids, and up paid bills.