WillisBack/dataset-financial-user-claim huggingface dataset:
Todays date:XX/XX/XXXX XXXX, XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX  ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX IC SYSTEM 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 IC SYSTEM 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 Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX  ,   FL XXXX
on XX/XX/XXXX I mailed a certified letter to Paramount Residential Mortgage Group. This packet was mailed in regards to a mortgage application I submitted. 

The following is a copy of the letter I submitted : I applied for a mortgage through this company and was given misleading information. My mortgage broker decided to change lenders after advising me I was good for closing on my home in XX/XX/XXXX. I was later sent a contract from another lender with a different payment amount, interest, insurance and closing cost. I was never told my broker was still shopping lenders until after I received new documents to sign. My credit has been pulled several times by three different companies. I backed out of the deal after rearranging my whole life in the process of trying to get this done. I was never given any of my money back after paying for inspections, and giving earnest money. This was a horrible and heartbreaking ordeal I DO Not recommend this broker/ company to anyone.
I had posted an ad to sell my car. I received a check which included a fee for movers to take the car. I went to the bank after the funds were made available and withdrew the money. After i had done so, i met with the movers who took the car to their location and gave them the money. The next day I went to the bank and asked them if everything was okay with the check as well as my account which they reassured me did not have any issues. I told them the situation and tried to close out my account but was advised otherwise because my direct deposits from work would not be processed. The next day, I went to check my account only to find out that the check was returned and marked as a fraudulent check. I am out of a car and {$3000.00} in debt. No one had helped me resolve the situation or to reach a solution and did not even consider the fact that I am a XXXX who supports herself and lives paycheck by paycheck. Why would a bank make funds available out of convenience if the customer does not have the funds to back it up? Out of convenience for the customer who has been a member of the bank for years, why would they not verify checks before making funds available? Why is it when I had told a bank investigator, I am being told that the bank has taken a loss of {$3000.00} while i had also taken a loss for {$3000.00} as well as a car? Why do banks have protection against fraudulent checks and not the customers who are loyal members and trust the banks?
I have been recieving numerous calls from a company claiming that I owe a debt. When I attempted to find out what I owed for, they refused to tell me and attempted to get my personal information which I refused to give them.
On XXXX XX/XX/XXXX, I held a savings account with back-then, XXXX XXXX XXXX, and which was linked to a secure a XXXX credit card # XXXX. The amount in the account at the last banking statement was {$4000.00}. 

In XX/XX/XXXX, I was laid off from my job, but continued paying the monthly charges on the credit card. Months later when realized that I could no longer make said payments, I contacted XXXX XXXX XXXX to request a hold, or postponement, of payments until I return to work since I was covered under the " credit card protection plan. I was informed that said plan did not apply any longer since I had " failed to contact the bank right after I had been laid off the job. I then requested a closing of the account and requested a {$80.00} plus, which was my available credit at that time. A few years went by without having received a response from XXXX XXXX XXXX  in that regard. 

In XX/XX/XXXX, I had gone to my present bank to make a withdrawal in order to make my regular payments which were due during the first days of the month and which included my rent. To my astonishment, over {$1400.00} was whipped out of my account which included my entire bi-weekly salary which was garnished as well. The firm of 'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ' later stated that said action was taken on behalf of XXXX XXXX XXXX  in order to collect a debt that was owed. 

I hereby must make it crystal clear, that I was never serve a summons to appear in court in this regard. This, I clearly expressed to the judge, but my statement was duly dismissed. It was during my third XXXX XXXX XXXXXXXX court appearance in which it became clear that previous summons were sent to my old, former, address. I was also informed that perhaps my savings were part of the unclaimed funds held by the state of New York due to the closing of XXXX XXXX XXXX. I then learned that XXXX XXXX XXXX  was sold to XXXX XXXX XXXX, which consequently was sold to Chase Bank. After contacting Chase Bank, I was informed that said institution had no record of any funds belonging to my person.
My VA loan was recently transferred  to M & T Bank of  XXXX , MD ( I bel  i eve ). There are many different addresses on their initial contact. I enrolled in online banking to make my payments online as this is the predominate payment method today. I was forced to give up my right to receive legal notifications from the bank in writing to be able to make online payments. If I did not agree to electronic notifications they were going to dis-enroll me from online banking. I have no choice about where my mortgage is sold to. I did not choose to do business with this entity. I should not be forced to give up my legal rights in order to make electronic payments. Especially on a VA guaranteed loan. The Federal Government only recognizes mail delivery by  the US Postal servic e as proper service.
Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Our client received a letter dated XX/XX/XXXX stating she had until XX/XX/XXXX to respond regarding a choice between a Loan Modification and other Pre-Approved Options. Our clients response, stating they wanted a short sale, was sent to the bank onXX/XX/XXXX via certified mail. Ocwen confirmed on XX/XX/XXXX that they received their response.

Our client was told that if they did not want a Loan Modification they would have 30 days to provide a short sale package, at which point Ocwen would review them for a short sale.

On XX/XX/XXXX and XX/XX/XXXX we submitted documents for a short sale, of which Ocwen has confirmed receipt. Even though Ocwen received a short sale package within the specified time frames, they are refusing to review for a short sale and instead will be taking the property back at auction on XX/XX/XXXX.

We have also been told by Ocwen that the short sale was declined onXX/XX/XXXX -- before the due date for the borrower 's response.

This goes against what Ocwen had previously told the homeowner. Ocwen has purposely deceived the homeowner multiple times. They told the homeowner multiple times that the auction date was on hold and that they would have time to do a short sale. However, when we call in and speak with Ocwen they state they will not postpone the auction date and have every intention of taking the property back at auction on XX/XX/XXXX, regardless of what other reps have told the homeowner.

In addition, Ocwen does not have any kind of appropriate valuation on the property. They are valuing this house, built in the XX/XX/XXXX, against homes that are maybe 5-6 years old. Ocwen has a value of $ XXXX in their system, yet they have never had anyone inside their home. Ocen takes their values from XXXX, who has publicly admitted to inflating their values by 20 % across the board. Is Ocwen refusing to review this offer because they dont want to admit their values are inflated and therefore unrealistic?

Or. Is Ocwen simply discriminating against a XXXX borrower? They have already like to the borrower multiple times. They have no realistic value in their system, and are stating they are simply going to take the property back on XX/XX/XXXX even though Ocwen stated the homeowner would have 30 days to pursue a short sale.

Ocwen has already been fined for this type of illegal behavior. Obviously they have not yet learned their lesson.

I want Ocwen to review the borrower for a short sale, like they told her they would.
It is a long complicated issue. It started with my student loans being refinanced without my permission. Multiple companies have now tried to collect from me on this loan. The new loan conditions are very unfavorable to me and I did not agree to them. Companies and organizations including The department of education, XXXX XXXX, XXXX, And XXXX XXXX have all tried to enforce the terms upon me. In the meantime no one will accept payment from me in the terms that were agreed on. 

When I went to obtain an insurance product I requested a copy of the credit report and disputed information on it. I explained in the dispute this issue, along with others, and told them if they needed documentation to contact me. They did not contact me and did not remove any of the incorrect negative information. 

Just recently I received a letter from XXXX that I had placed a fraud alert on my credit report. I did not do this, at least not intentionally. Maybe it was something TransUnion did when I filed a dispute with them? There was no number in this letter to call a person, only an automated system to place a longer fraud alert on my file. So i searched for a phone number and found XXXX and finally got a human named XXXX. After I asked if he could help me, he hung up on me. 

So, in summary, I have incorrect information in my credit reports ; a loan out there that was refinanced to unfavorable terms without my permission, and no one who will accept my payments ( I keep getting refund checks ) ; a dispute with TransUnion that was not resolved ; a new issue of a fraud alert on my files that no one will discuss with me. 

I have been unable to find any government agency or private agency that can or will help me resolve this snowballing issue. I have called the CFPB before who told me that only the department of education has authority over themselves and it is unlikely they can help. Now it has spread to include private organizations. Private organizations working with a government organization to make the matter worse. Can you help me? If you need any documentation, let me know. I do not know what you need.
PennCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PennCredit sent a demand for payment dated XX/XX/XXXX in the amount of {$290.00} from XXXX XXXX XXXX. I have a Final bill from XXXX XXXX in the amount of {$79.00} dated XX/XX/XXXX. This has went through several companies and each one has dropped it because of lack of proof. In XXXX XXXX XXXX admitted a glitch in their billing system and couldn't find what the extra on the bill was for, but has continued trying to collect an amount way over actual amount owed. PennCredit decided to turn it in to all three credit reporting agencies without proof of debt. Responded with a dispute letter but said they never received it and was possibly due to a recent address change. Turned the unproven debt into all 3 reporting credit bureaus before I could answer their demand. Brought my credit score down 50 points seriously damaging my credit score.
XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986 I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX  letter are attached.
CITIZENSBK  XXXX   XXXX   XXXX    XXXX    XXXX , CT  XXXX  (  XXXX  )  XXXX   XXXX / XXXX /  XXXX   This inquir y was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Diversified Consultants is reporting a fraudulent account. I'ver never done any business with the debt originator XXXX.
Complained to financing company about the vehicle being defective. Ca n't trade in the vehicle due to manufacturer defec t. Vehicle leaks gas and has electrical issues. As a consumer, I should n't have to continue pay for a Vehicle that has  issues. Especially when the customer has a defective product and has complained about it numerous times.
The servicing of my mortgage was switched to Caliber in XXXX, 2015. They sent me papers to apply for a modification. I completed the application and sent it back to Caliber with all the supporting documents they asked for. 

I did not hear anything for a while so I called to follow up. They said my application was in process and they would get back to me. I did not hear anything for a long time so I called to follow up again. This time I was told they would have to look into it. It has been very hard to communicate with Caliber because there does not seem to be XXXX specific person assigned to my file and the company is not responsive. 

Caliber has never asked for more documents, and they have never given me a response to my request for a modification. Now they have scheduled a foreclosure sale for XXXX XXXX.
On XX/XX/XXXX I was charged a monthly maintainance fee of {$5.00}, but I kepted the minimum required balance of {$300.00}. At the time I was charged, my balance was {$300.00}.
Educational Credit Management Corporation XXXX XXXX XXXX called and left a message for me at my place of employment a couple of weeks ago. I did not return their call as I thought it was spam. They then emailed me stating my loans were in default and to call them back. I know that my loans are not in default and their email still looked like spam, so I ignored it. The following day and every day since, I 've had XXXX calls at work from XXXX. I then started receiving calls and emails daily. I finally replied to an email and asked them to stop contacting me as I did not have any defaulted loans. The representative told me I did have loans and they were going to take 15 % of my wages to pay them. They then called my HR XXXX and " verified my employment. '' I told them this was a mistake and they asked me to call. When calling you must enter your social security number and date of birth. I did not feel comfortable doing this as I know I do not have defaulted loans based on my loan servicer, my credit report, as well as, never receiving any notices of late payments or defaulting. XXXX then continued to email me after XXXX requests to stop contacting me. They then called my place of employment again requesting some form be faxed to them. I asked them what loan I defaulted on. They could not tell me. This harassment continued for about XXXX days. I finally filed a complaint with the Better Business Bureau and the Federal Trade Commission. I informed XXXX of this and stated if they did not leave me alone, I would contact local law enforcement. I let them know that I used a member ID they sent to me in an email along with my birthday to try and call them back through their computer aided phone system. It said invalid entry. At this point, XXXX asked to verify my birth year. I said they had the incorrect date. He apologized and said he would not contact me or my employer again. Later that very day XXXX different XXXX employees called my HR XXXX at work to demand information about me. Luckily I had told my HR XXXX everything that was going on and forwarded my email communications with XXXX to her. She requested that they stop contacting our place of employment. The original XXXX employee then contacts her once again to demand a employment verification form be returned via fax to him stating that I did not work there and which social security number did not match up. This is completely inappropriate and bordering on harassment. If they are going to get the funds back from defaulted student loans, it would be beneficial for them to make sure they had the correct person. Hopefully this fiasco is now over with me, but this was a headache and handled entirely inappropriately. I did not appreciate their incessant calling at my workplace, of all places, nor did I appreciate their rude behavior. Not once were they able to verify which loan I had defaulted on.
I could pick a few of the issues above. After numerous attempts to validate this debt I was never given a response. They called me from now fewer then XXXX different number at all times of the day and even called a place that I have n't worked at for years. After the constant harassment I contacted them to just get rid of this. After talking to numerous people on different occasions I was mislead to believe that this was to be deleted from my reports, that was my only reasoning on settling this debt that I have no verification of. So in good faith I came to a settlement to resolve this situation to just get rid of it. Now they refuse to follow through on their end. After XXXX ' of calls from them from different numbers I agreed to resolve this amicably only to be misled by them.
I did a dispute with the Credit Bureaus in regards to  Security Credit Services and to validate with proof- ( something that contains my signature ) that I have a debt with their company ( Security Credit Services ). In stead on  XXXX / XXXX /   2017  I receive a letter from  Security Credit Services wit h a contract from another company by the name of  XXXX  saying the debt was mine. I DO NOT HAVE ANY TYPE OF BUSINESS OR CONTRACT WITH SECURITY CREDIT SERVICES. I HAVE NEVER HEARD OF THIS COMPANY NOR HAVE I EVERY CONTACTED THEM TO ATTEMPT TO DO BUSINESS WITH THEM.  Security Credit Services is on my credit report erroneously causing damage that they should not be causing because I do not have a debt with them. Security Credit Services has nothing with my signature or anything showing that I have ever done business with this company. I will also be filing a complaint with the Consumer Financial Protection Bureau in regards to Security Credit Services.
I completed the deferment forms and submitted within the deadline and a few months ago, I received an email stating my loans are past due. Called customer service ( on lunch break did n't write down the name or date : / ) but the call was recorded. The rep told me to disregard saying my loans were n't due until    XXXX   XXXX   XXXX   I keep receiving the same past due emails, which is now affecting my credit report and score and I was trying to buy a house but due to this incorrect information, I had to stop perusing a home loan. I emailed the rep this time and they said that indeed, it 's past due and I said that 's not correct and to please review the notes. I have n't received anything in the mail or nothing other than these emails. The rep later said they have n't talked to me since   XXXX  !! How can that be when I have to submit paperwork and ask for a hardship deferment every 6 months!! They are sticking to their " notes '' and that 's not working for me.
I have bought a property by owner finance and I can not get them to put mortgage on my credit report. I have paid it on a timely manner for 4 years and still not reported on my credit.
I went to make my mortgage payment on XXXX XXXX, 2016 on ditech.com on XXXX XXXX, 2016. My XXXX payment was due and my XXXX payment just came due. I was not able to make a payment for XXXX I was only allowed to make the entire payment for XXXX and XXXX. When I called their number to make the payment no one was available there was only an automated attendant and I was routed to voice mail. I tried to make the XXXX payment with their pay by phone but I was given no option to only pay XXXX, I had to pay the entire amount. I waited until today XXXX XXXX, 2016 at XXXX PST to make my payment and called them. The first call I went through all the prompts and was disconnected. The second time I called I spoke to XXXX, she took my payment for XXXX. I asked her why I was not able to make the XXXX payment on-line and she said because the entire amount was due. We argued about what was due. She said in the future I will only be allowed to pay the amount due on-line I will not be able to make a payment for only past amount due. She also stated they will charge {$19.00} for a phone payment and {$10.00} for an automated phone payment. She was not sure if the automated phone payment would only do a past due amount.