WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX, i sent a letter to Equifax for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.
This is a complaint against STELLAR RECOVERY INC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
I was given an amount to get my house out of foreclosure that was being auctioned on XX/XX/18. They said included were all fees, attorney, interest, late fees principle etc. I paid the amount on XX/XX/18 and the auction was ceased. When I received my new monthly bill which should have been for just my monthly mortgage payment of {$890.00} they tacked on additional fees totaling {$360.00}. I asked for the quote that was given to me that totaled the reinstatement fee {$9500.00} and was told they can not send that to me even though that is what they quoted and I paid. So I asked also for the tapes from the last 3 month of the conversations between me and Mr Cooper and was told I can not have them either. If I wanted both of these things I would have to get a subpoena from the court to get the quote and tape copies. Lastly, they state they are my mortgage provider than they say they are a debt collector, which are they? 

I was in the wrong on getting back on my mortgage due to different life changing reasons, this is highway robbery that I feel they are doing to me and probably others. Any help that I can get to receive what I have asked for and to get the {$360.00} removed from my account which I really feel I do not owe. I've been charged enough and paid for it. 

Thanks
I fell behind with my mortgage payment during the years of XXXX and XXXX. I worked with the mortgage company, ( Bank of America ) and received a loan modification. However by the time the modification was approved, I owed Bank of America about {$14000.00}. Its roughly 5 months behind in our mortgage payment. This amount is not subject to interest or penalties. However, I was informed by the Treasury Department that bank of America received a bailout from the government for all of these modifications. I think Bank of America has received payment from the government for my {$14000.00} and they are still holding me liable for this amount. Please investigate the reason why I still see this amount on my mortgage statement every month since the modification has been approved and Bank of America collected funds from the government for mortgage modifications.
during my divorced i had to go into bankruptcy -- -- during 5 years in bankruptcy protection -- - XXXX dollar school loan accrued XXXX dollars in interest for a total of XXXX dollars -- is this leagle?
Trying to get loan modification for lower rates to no avail. I keep sending same info, they keep asking for. I tried to make payment until loan approved but they do n't allow that. This puts me in the foreclsure process instead of helping. I 'm currently at 7 % when other places are half that rate
XXXX XXXX XXXX {$1100.00} & {$1000.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I have been disputing multiple fraudulent accounts on my credit reports with XXXX, XXXX and Transunion to no avail. I have sent in verifiable proof multiple including identity theft affidavit and police reports, yet the credit report agencies have not deleted this information in over a year of multiple dispute attempts over the past two years. 

They continue to state that these accounts have been verified by the creditor but when I ask for proof of verification, they never send the proof to me to validate there results. These are all fraudulent accounts! I am in process of filing a lawsuit against these reporting agencies if they do not delete these accounts. I have been harmed by their misrepresentation and my credit has been destroyed.
I mailed a certified letter of a n Inquiry remo val letter to Equifax on  XXXX   XXXX ,  2017 .  XXXX   XXXX ,    2017  I received a letter from them basically describing what inquires are. This is the second letter I have sent to Equifax about these inquiries and no real investigation has been done. Less than a week I 'm receiving a letter that does not tell me if my inquires will be removed or not. It seems my letter was opened and closed and that was the end.
Date : XX/XX/2018 / I submitted reviewing of claim placed for collection by Professional Debt Mediation , Inc., XXXX XXXX XXXX XXXX, Fl XXXX Date Notice of Collection : Opened XX/XX/2018 Amount : {$1200.00} Last XX/XX/2018 I submitted a dispute about a Notice of Collection for a delinquent account of an original creditor : XXXX XXXX XXXX XXXX, Florida. 
In XX/XX/2018 I called this collection agency to know the status of my dispute. At this time they have not answered about the investigation that I requested about this debt. 

I agree with XXXX a rent contract for 6 months that I needed to modify because I have to move for reasonable causes. We agreed a new contract which I fulfilled to the end in XX/XX/2018. I have documents included to prove this payments. I was never communicated by phone or letter any charges regarding damages or pending payments by XXXX XXXX of Florida. Nor, any alert notification of collection claiming for this debt. When I was reviewing my credit score in XXXX XXXX, in XX/XX/2018 ; then I saw the collection notice submitted since XX/XX/2018 and immediately I took action by phone and providing documents and submitted again in XX/XX/2018. 

As a consequence of this Collection notice pending. I have a negative reputation that is affecting my credit history with the credit card agencies. They have limited my credit balances. Also, my credit score is deminished.
I have advised the CEO of this company twice about their practice of billing my account when I have cancelled the payment. Whenever, I cancel that payment and advise them that I will make the payment on another date they still BILL my checking account thereby causing my checking account to to overdrawn. I discussed the second billing with them on XX/XX/2018 to cancel a payment they billed my account on XX/XX/2018. again this is the second time that this has happened. Account # XXXX -their phone number is XXXX and their fax numbers are XXXX XXXX
A medical collection was placed on my credit report and I called the creditor and was told that they were going to have it removed. Transunion has not removed this. This is medical and it violates hipa.
We had some financial troubles back in XX/XX/XXXX. I called our mortgage company and they allowed me to enter a repayment plan so that we could get back on track financially. We signed a repayment plan outlining the repayment terms. The repayment plan was outlined as follows : No payment in XX/XX/XXXX ; regular payment of {$2100.00} due XX/XX/XXXX ; {$3000.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All payments were made according to the plan. In XX/XX/XXXX, my wife called to make our normal payment ( {$2100.00} ) and was told another payment of {$3000.00} was needed to make our loan current, which I do n't believe is correct. The only reason she paid the incorrect amount is because XXXX was adamant this is what was due to make the loan current. Nowhere in the payment plan I signed did it mention another increased payment for XXXX. I was told by the mortgage company that we paid a total of around {$680.00} in fees for the repayment plan. When I do the math, we paid about {$1200.00} in fees due to the XXXX payment not going back to our normal mortgage amount. Either the repayment plan was misleading or the mortgage company was mistaken in taking the amount they did for the XXXX payment. Either way I have a big issue with the way this was handled. I have called and talked to a couple different people and they can not explain the discrepancy, only " that was the amount due to make you current. '' with no explanation of why the repayment plan did not outline anything for XXXX.
I periodically check my credit report and found company, Southwest recovery Services, has applied a debt to my credit file back in XXXX XXXX. I 've called the company on several occasions asking for documentation to no avail. We are almost 11 months into the year and they have yet to certify that the account belongs to be. Neither of the 3 credit reporting agencies were any help. Even when I dispute this information, nothing has been mailed, emailed nor called to confirm this. I 'm out of options and really need assistance as my credit is my life and worked very hard to keep it above XXXX. They are trying to collect amount of {$1000.00}, in which I do not owe.
This loan went into default status off 5 years ago after I fell behind in payments. I attempted to reach out through their XXXXXXXXXXXX email and never got anything back. Eventually the loan was charged off but remained on my credit. In an attempt to repair my credit, I submitted several dispute claims to validate the loan and received nothing in return. Currently, my wife and I are trying to close on a new home loan, but conventional loans prohibit any disputes listed on your file. I tried to go through XXXX to have the verbiage removed to satisfy the requirement, but was told by them that we have to get Prospers approval. We called Prosper and was told that they will not approve the removal of the dispute verbiage. Digging deeper, we were told by Prosper that the charged off loan is no longer in their possession, but in the hands of a third party. It is this 3rd party that is handling my disputes and reporting to the credit agencies. I have attempted on several occasions to work with Prosper to have the dispute removed, but am meet with unanswered emails and CSRs with limited information to give. When asking to discuss with a manager, no manager is available.
On XX/XX/XXXX, I filed two complaints with CFPB, one against Ditech Financial, and the other against XXXX XXXX, the mortgage company Ditech transferred my loan to. 

In that XX/XX/XXXX complaint against Ditech, I supplied the mortgage payment history from my bank to Ditech including all months after I had been approved for a Modification ad brought current. 

Ditech responded XX/XX/XXXX with their record of my payment history ( Attachment A ) Unfortunately Ditech 's record is incorrect. In their payment history, they have missed a payment made in te first month of my becoming Current. That payment was made XX/XX/XXXX. By missing this payment, Ditech 's payment history is off one month from it's inception. 

I am resubmitting the payment history with the request that Ditech correct their records, nd report the error to XXXX so that their records can also be corrected
I had chase for the entire time I was in the Military, I got XXXX XXXX from XXXX on XX/XX/XXXX After that I started having a lot of issues with my bank CHASE, I was charged fees with no explanation. My card was even cloned once and I had to file a dispute for the transaction. To make the story short. Months after that. Around XX/XX/XXXX. I tried making a purchase, and all of my 3 accounts that I had with chase where CLOSED! They gave me no explanation they only said that, they no longer wanted to keep business relations with me. At that point my VA pension was link to that card, I ended up losing so much and almost getting evicted because those accounts were frozen so the VA couldnt change my direct deposit because it was already After the cut off mid month. Truly lives a nightmare.
Sir or Madam : To whom it may concern 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 ACC # XXXX XXXX XXXX XXXX  ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX  Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX XXXX VIA XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX Requested On : XX/XX/XXXX InquiryType : Individual XXXX XXXX VIA XXXX XXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION XXXX XXXX XXXX VIA XXXX LOANS Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 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 SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Bank of America failed to pay debt promised when I purchased their Credit Protection product for my credit card. In addition, upon submitting my initial claim they increased the Finance Charge on the balance due from a variable 3.99 % -12.99 % to a fixed 24.99 % therefore effectively making any payment they made under their Credit Protection Plan to my account useless in terms of reducing the balance due on my account. Furthermore according to the order from the Consumer Financial Protection Bureau, they failed to reduce the balance due by the amount they charged in fees for their Credit Protection Plan and credit my account the total of those fees. Lastly, they are incorrectly reporting the amount of the initial credit limit to the XXXX major credit bureaus as well as the date of the initial past due amount which causes the statue of limitations to extend past the time allowed under the law for which state I live.
An XXXX XXXX XXXX account was opened in my name, without my knowledge, at an address in XXXX, GA. I do not live there, I live in a totally different state, Mississippi, and I have not given permissions to anyone to acquire any services. While checking my credit report, I saw that a collections company had reported a {$490.00} debt to all three credit bureaus in XX/XX/XXXX, so I disputed this item in XX/XX/XXXX with all three bureaus. <P/>As a result, each credit bureau has continued to report this item as a negative adverse account after the dispute. What actions did they take to resolve this issue? They called the collection agency. <P/>I feel that XXXX XXXX XXXX is allowing this to happen to consumers because their ultimate goal is to make money by any means necessary, including identity theft and fraud. They have workers who install services in homes without asking for proper identification. This simple action would alleviate a lot of problems with identity theft and fraud, but its not being done. Then, its reported to a collection agency who makes money by reporting it to the credit bureaus, because consumers would rather let their credit remain adverse or pay it to make the problem go away, than take the time to let their voices be heard. <P/>Identity theft has happened to me several times. I have worked hard to keep my credit in good standing and I refuse to pay for something I have not consumed.
I received an Escrow Shortage notice via mail from Chase Mortgage. I was not credited for {$200.00} to my escrow account for XXXX 2015. My escrow payment comes directly out of my house payment each month. I have called numerous times and spoke with XXXX different people at Chase regarding this. Supervisor XXXX XXXX said I was correct and their statement was inaccurate. She then called me back 2 days later and said she made a mistake and would send me the appropriate paperwork. I have not received anything further and I left a message for her on XXXX/XXXX/15. She has not returned my call.
I filed disputes with the XXXX credit bureaus 14 months ago. all my d ddisputes d dddddd disputes were resolved but XXXX these XXXX companies have some how kept e e e somehow kept these disputes active for 14 months. which has prevented me from getting an fha loan. the rules and laws say a dispute should be resolved in 60 days. so these XXXX companies along with the XXXX credit bureaus are breaking the law.
XXXX XXXX amount Financed {$3800.00} for Total payments of $ XXXX.Date : XX/XX/2016. I have constantly requested a monthly statement after payment. I was not informed that I would not received monthly statements that will show my pay-off. Every time I ask for a pay-off amount I receive a different amount according to who answers the phone. One day I went in person and the customer service person gave me the correct amount.However, someone heard him and said no that is wrong. they argued about my pay-off amount. I personally believe XXXX XXXX will not send statements so they can defraud customers on their pay-off amounts. Also, customers should be reminded of their high interest rates.
Capital One Credit Card " restricted '' my card for possible fraudulent purchases. Called to verify the restricted charges and was told that it could not be re-opened. That a fraud report would need to be filed and new card issued even though there was NO FRAUD. The company would not be able to re-open my account so I can continue to make purchases. I explained that I had automatic payments assigned to the card and that it would be a major inconvenience when there was no issues or attempted fraud. Also I would need to wait for my new cards 6 business days or pay approximately XXXX dollars for EXPEDITED delivery. This is ridiculous and reeks of bad service for a exemplary customer with no late payments and stayed with in credit limit for over 15 years. I am severely disappointed, angry, and frustrated with Capital One. I will need to review whether I stay with Capital One. If I am able to find a lower percentage rate, I may consider moving my account.
My mortgage have been transferred from chase to bayviewloan LLC last XX/XX/XXXX. My monthly payment with XXXX was {$420.00}, in XX/XX/XXXX i paid bayview {$420.00}, by XX/XX/XXXX bayview decided to increase the monthly payment to {$480.00}. For XX/XX/XXXX, they sent a statement {$500.00}. I call them no one seemed to have an answer on why the mortgage keeps charging. My original loan was modified on XX/XX/XXXX at 3 % for the first 5 years, 4 % XX/XX/XXXX and 4.5 % that will start XX/XX/XXXX and the woll will remain the same until the loan is paid off. The mortgage was recast last XX/XX/XXXX, XXXX canceled the pmi. 
Even though XXXX forwarded all the doctor to the new lender. They decided to violate the contract. 

I need help please.
To whom it may concern, This is my fnal complaint to be filed regarding this matter, I am recording the history of this interaction as a means of protecting others from the improper actions of USAA Investment Group and USAA Insurance Administrative personnel. As detailed in the referenced comaplaints, XXXX Date submitted to CFPB : XX/XX/2018, and # XXXX, Date submitted to CFPB : XX/XX/2018, USAA Investments Servrces did not offer any form of corrective action for the mishandling of my investment account ( undue fees withheld, collection of undue backup withholding, and untimely processing of transactions ). Instead of admitting and correcting their mistakes they retaliatedby closing my account and informing me that they " would not ducuss the matter any further '' ... The account was closed before it was liquidated and to add further insult, they still could not properly perform trades and dispense the funds derived from the trades. The closed account received even more restrictions, my funds were withheld and I was charged a fee once again for their ineptness!!! It took approximately three weeks ( XX/XX/XXXX thru XX/XX/2018 ) to conduct the trade for closing of my account. I was truly amazed that only two ( 2 ) of the employees who handled ACh and Wire transfers actually knew the procedures for completeing the transaction. Thank God for XXXX and XXXX!! 
I am still due funds from USAA ; but, the administrative staff will not acknowledge their errors ... The internet is full of legitimate complaints from military families and consumers regarding similar activity at USAA. What can be done to coerce USAA Investment Group to be more mindful of how they interact with their customers! Afterall, without customers, can a bank survive?