WillisBack/dataset-financial-user-claim huggingface dataset:
I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, XXXX. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including XXXX. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation 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 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
I have been making attempts to pay off in full a reverse mortgage loan since last fall. After multiple attempts the collection agency continues to not communicate and tell me how much the final payoff amount is and where & how to send it in. Please see attached document with detailed information and chronology of my attempts to communicate with Reverse Mortgage Funding, LLC.
I 've had XXXX credit card accounts in good standing, I kept with my 2 year agreement with XXXX XXXX to not have good credit. But as everyone knows Monthly phone bill service fees changes with every bill. I been with them for 4 years and could n't afford the drastic bills so I paid the last month and current bill and alerted them sooner then late to deactivate service due to me not being able to afford it anymore an I was switching to a prepaid service through a cheaper company, They messed up my report with a fee that I could n't believe after I was in the hospital for 3 weeks after XXXX. I was receiving bills from them and debt collectors that never should n't been. My closes sibling died XX/XX/2014. My hours got lowered due to my job not having many resident 's living in the facility. I 've contacted both companies XXXX and XXXX about what was going on and that I was doing my best to keep both active. I pay rent, daycare fees, utilities, phone bill, car note/ car insurance. Being a single mother of XXXX children I fell behind on a lot of payments not just theirs. I 've called them then and currently calling to not be put into collections and for them to keep my accounts open/ current so that my credit score would n't be very poor and the people that I speak with be so rude to me. I recently had an friend refer me to an non profit organization that is keeping in contact with me and has all the information on my accounts to help with paying them to current and they still wo n't work with me at the credit company. I just got approved for section 8 housing to benefit me and my children so we can live a little better without struggling paycheck to paycheck and I cant even move because my credit score is to low for some land lords and I have an bad note on my accounts that they have put on there even after I 've tried to make plans with them. Please if you can help that will be a blessing for me and my family due to our current lease ending XX/XX/XXXX and I wo n't be able to afford to renew lease because it will be higher than it is now.
Hello, I called Transunion to dispute prior accounts. I have been doing this since the month of XX/XX/2018. During one of my recent calls I was notified that my personal information was incorrect when I always provided my first and last name. I provided my social security number but the credit name was wrongfully updated on the credit report. My legal name is XXXX XXXX. On the credit report it was XXXX XXXX. During my last phone call of disputed with Transunion, I was advised to send a letter as to the reason why I wanted my personal information updated along with a copy of my license and so forth. Unfortunately, I do not have the convenient time to do so and it was not a mistake on my end. This was an inaccuracy from the credit bureau itself and my personal information should be updated because they have the system to do so. Now my credit report and information is all wrong due to their mistake of my personal name.
Income tax Fraud since XX/XX/XXXX in the amount of {>= $1,000,000} ( employment history began in XX/XX/XXXX ) for payroll shortages, lack of timely raises, non-receipt of benefits, excess social security and medicare taken from payroll, excess state and federal taxes taken from yearly tax returns. Stolen identity. Personal information has been used to create fraudulent documents to commit forgery with several banking institutions. No documents or requested checks have been received from Telecheck dispute that was mailed on XX/XX/XXXX. Therefore, I would like to sue Telecheck in the amount of XXXX XXXX for concealing fraud with the Virginia Department of Unclaimed Property, total {>= $1,000,000}. Internal Revenue Service 843 Valuation form for XXXX and XXXX XXXX for Income Tax Fraud on behalf of XXXX XXXX and XXXX XXXX XXXX in the amount of {>= $1,000,000} will leave a remaining liability of {>= $1,000,000} that I am requesting is deposited in my XXXX XXXX XXXX checking account that was opened on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX : //www.uscourts.gov/services-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is no grantee or trustee for properties that were reported to the US GAO. XXXX XXXX does not have the authority to reverse any banking transactions. 
Share price with XXXX is {$130.00}, .1 adjustment for XX/XX/XXXX Dividend Reporting Tax preparation of XXXX ( corporation, adjustment not to be used for defrauding the government on Bureau of Insurance fraud ) and XXXX XXXX XXXX XXXX who are clients that are under debt collection with the Internal Revenue Service. 
Document Preparation Fee of {$110000.00}. I have prepared 5 documents that have been used for financial preparation with banking institutions and budgeting with the City of XXXX, total document preparation fee of {$550000.00} for XXXX XXXX XXXX XXXX XXXX XXXX. Denied participation fee of {$560000.00} that has been sent to the Internal Revenue Service dated XX/XX/XXXX is only to be used at my consent for account maintenance for clients not for personal use. Unpaid property taxes effective XX/XX/XXXX ( not to be used for defrauding the government dispute or songwriting dispute for XXXX XXXX due to funding already being received from XXXX XXXX ). Please have the City of XXXX Deed/Land Records and XXXX XXXX XXXX update the Virginia Land Cover Sheet to XXXX XXXX as the owner. The property is not under shares with XXXX XXXX XXXX XXXX the property is being claimed under forgery proceeds and Income Tax Fraud.
I opened an acc ount   XXXX   XXXX    BrandSource card and Citibank took over. With   XXXX   XXXX   I had credit protection on the card. When Citibank took over the account, I was never notified that my credit protection would be discontinued. As a result, I have been hospitalized and had  XXXX  and have absolutely no credit protection. I have always paid my account on time before becoming   ill    in  XX/2016   and being hospitalized. I elected to have the credit protection insurance just in case something happened and to think you 're covered and find out you 're not has jeopardized my credit rating.
I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 09X ) stating that Vanderbilt Mortgage stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the mobile home nor the amount that they sold it for. The amount I owe should be less whatever they sold the home for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. I know my rights have been violated because the FCRA states that they should report the information accurately and to report inaccurate information is a violation of my consumer rights and I can hold them accountable in civil court per the Florida Rules of Civil procedure Rule # 1.130. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately twenty working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that should have already been resolved. Please govern yourselves accordingly.
1 ). I am the object of collection activity arising from consumer debt.

2 ). Select Portfolio Servicing is a debt collector as defined by the FDCPA.

3 ). Select Portfolio Servicing has engaged in acts and omission prohibited by the FDCPA.

Specifically the fact originator XXXX XXXX XXXX was not incorporated nor licensed to do business within the State of Connecticut at loan origination in XXXX, thereby violates Section 1692e of the FDCPA by using " false, deceptive or misleading representation or means in connection with the collection of any debt ''.

Secondly, even if the debt were legitimate, the Statute of Limitations well expired on any collection efforts ( XXXX - late XXXX ). 

And, finally, I have very good reason to believe the prior servicer, XXXX XXXX XXXX, received payment in full on said instrument. If this proves to be true then " [ t ] he false representation of the character, amount, or legal status of any debt, '' and " [ t ] he threat to take any action that can not legally be taken or that is not intended to be taken ', has been violated. 15 USC Section 1692e ( 2 ) ( A ). 

Thank you.
Accounts XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX   XXXX weren't paid late. Under the Fair Credit Reporting Act, unverifiable accounts must be removed. I requested the credit bureaus to make the necessary corrections but I did not get a reply. CFPB please help me out and correct this account
Target report me to credit agencies for a card my adult son XXXX XXXX obtained and did not pay. This is illegal and Target is refusing to do anything. I am ill and can not have this occurring especially now. XXXX just called and told me.
Account # XXXX I called on XX/XX/XXXX and spoke with XXXX XXXX, I informed him that I had send multiple request to validate this debt as I did not recall it. He reviewed the information that they had on file and noted that the service address was an address that I have never lived at. He closed the account as fraudulent and let me know that the information would be updated with all three credit bureaus immediately. 

I called them this morning XX/XX/2017 to get a status update as the credit bureaus have not received anything stating that the account needs to be deleted. I was told by the agent that this information has not been sent to the credit bureaus. The agent acknowledged that the account was closed as fraudulent but still reporting negatively to my credit bureas.
American Express keeps pulling my credit report without permission. I paid off the account balance & closed the account so that they no longer will & make negative claims to XXXX XXXX or XXXX. I have never been late & I want them to be honest to credit bureaus that that there is no critical account status. My XXXX Honors credit card was a grievious experience because of consistent professional bias & racial harassment.
Finally received my annual credit report from Equifax on XXXX XXXX. 
First request for my Equiifax credit report was made on XXXX XXXX. 
Equifax took over 5 months to respond to my request. 
This delay by Equifax is unacceptable.
It is apparent you do NOT read the Replies. Do the Defendants Pay your Wages? I am under the Impression Taxpayers support this agency. There is quite a deficiency here. 
I am, again, continuing with the abuse directed at me by the hands of Lexis Nexis. In  reference to the dismissal as I was a XXXX, XXXX. I am appalled you accepted this and Dismissed the case. I responded as Feedback the TRUTH, I tried to add Documents, FAILURE. I CALLED THE NEXT DAY. I was instructed to Fax Documents. After 2.5 HRS, I called again and was told to file another Complaint. Here we GO! 
The first page with all the NUMBERS are the RECORD of the Times I contacted Lexis Nexis. The Reply states no data without the ( silly implied ) surname does not appear  withing the " FIXED and Repaired, all better NOW Reports ''. The names on some of these Internet Providers are my Father 's. My Wages of XXXX ARE NOT MINE! To fix this is a LIFE THREATENING situation. Ask me, I 'll tell you why I must Fix this False Reporting. Some of the Phone Numbers listed as MY FATHER '' S are Mine! Lexis Nexis and I 've been over all these DETAILS more than thrice. I see this as DELIBERATE! I was told my Father 's name as my own was gathered from a REPORT from XXXX XXXX OHIO. I contacted XXXX XXXX, the Copy is attached. My name of XXXX XXXX is on there. I contacted the Attorney of Record, the Copies are attached. My name of XXXX XXXX is on there, both times. The copies from the Attorney Cost me {$25.00}. I am billing Lexis Nexis for this. I am XXXX XXXX ONLY. No AKA 's are Legal!
I was checking my pay stub and noticed that it was much different than usual meaning it was short {$460.00}, the same day I received a letter in the mail from my HR department ( Not from a collection agency or any other source outside my employer ) stating that they hard a court order to garnish my check for 25 % of my earnings for 30 pay periods. There was no warning or notification that this was going to happen prior to this. I did not receive any attempts to collect a dept or any kind. When further investigating this debt I noticed it was from a debt that was over 10 years ago and the original debt was for {$6700.00}. At that time I was never notified that I had this debt and there were no attempts to collect this debt over the next 10 years. I have made several times over the 10 years but I constantly updated my address with the us postal service along with updated drives licence and obtained credit at each address so there was not chance that they could not locate me and send me notification or attempt to collect this debt I also had the same telephone number for the past 12 years. Also I filed federal and state income taxes for those years and that had my address on them so there was no reason they can say I was not reachable.. 
The interest and fees on the original amount is obscene as they made no attempt to collect the original debt. I am not saying I do not need to pay the original amount but I should not have to pay the interest and fees. I am willing to pay the original amount a rate that is reasonable to continue to live in my current location which is XXXX XXXX CA. which is one of highest cost living areas in the united states if not the highest.
I lost my Bank of America Visa credit card : XXXX and someone made over {$600.00} worth of unauthorized and fraudulent charges on my credit card account. I have notified Bank of America on numerous occasions about the unauthorized charges, but I keep getting harassing and threatening telephone calls and death threats, informing me I need to make a payment on my account immediately. Under the Fair Credit Billing Act ( FCBA ) a consumer is not liable for unauthorized or fraudulent credit card charges.
Per complaint # XXXX, as stated in previous complaint that I did not authorize credit pulls by anyone except those listed in that complaint. I also stated that I was unable to get responses from creditors, which I 'm assuming is because they did n't have my consent and therefore ca n't provide proof
There is a discrepancy in my clients account. He had a trial payment for XX/XX/XXXX, XX/XX/XXXXand XX/XX/2011. Then he was issued final modification with first payment due XX/XX/2011. The bank is showing him sixty days 60 late since the beginning of the modification but is due to the fact that according to the agreement no payment was required in XX/XX/XXXX and XX/XX/2011.
Incorrect reporting of my status by Transunion The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Transunion needs to correct my account status as Mortgage included in Bankruptcy.
on XX/XX/18 I reported complaint # XXXX. This was reported on my credit report in error by XXXX XXXX XXXX for {$610.00}. I followed up and reported this was identity theft and I never owned this account with XXXX. This was removed from my credit report in XXXX. However now another company ( Waypoint Resource Group ) on XX/XX/2018 placed this back onto my credit report showing the same amount owing {$610.00}. This is incorrect reporting and identity theft and I need this removed immediately please, I'm in the process of buying my family a home. Thanks
My FHA mortgage lender was Bank of America, which was one of the most challenging financial arrangements I 've ever entered in to. As of XXXX XXXX, 2015 I was notified XXXX XXXX Mortgage would be my new servicer. On XXXX XXXX, 2015 I paid my mortgage via the telephone. I spoke with XXXX at Bank of America and authorized a payment of {$2200.00} and received a confirmation number of # XXXX. On Friday XXXX XXXX, 2015 I checked my checking account and noticed that Bank of America with drew {$2400.00}, {$140.00} more then my established payment of {$2200.00}. On Monday XXXX XXXX, 2015, I contacted Bank of America and spoke to XXXX, who confirmed that Bank of America did indeed take to much money. She insisted however that they could not issue a credit since they are no longer the servicer even though it was there mistake. I then contacted XXXX XXXX Mortgage who told me my account would n't be active for 8 more days and they could n't help me. I proceeded to call Bank of America back who continued to insist it is n't there problem. Once again I contacted XXXX XXXX and spoke to XXXX who indicated that she would send an email the " back office '' and explain that I should be given a refund. I insisted I be notified as to when the refund will be mailed and was told not to worry about it, it will go fast once their legal department contacts the court to get approval???? This is unbelievable and is another inappropriate banking excursion in a long string of fraudulent activities carried out unchecked by Bank of America.
In XXXX of 2016 I bought my first home and gave my 30 day notice to my landlord at the time. I had a friend help me move out but was not able to take a mattress and a nightstand with me so i figured i would just pay for them to remove the items. They removed the items but claimed the carpet was completely damaged and that they found bedbugs in the apartment so they sent me a final statement with a total of {$2300.00} stating they were not able to rent the apartment for two months. After trying to negotiate they said they were actually able to rent the apartment and removed a months rent so the total amount went down to {$1400.00} I still did not agree with this amount because the carpet was in good condition and i never saw any live bedbugs when i moved out. Now a year later they hired a lawyer and the total amount they are asking for is {$6700.00} including attorney fees. They claim they pay a company to do a treatment for the bedbugs but they paperwork does n't show this. Also they showed me an invoice for the carpet replacement but did n't show me proof of the " damage '' carpet.
The company has asked that I pay a debt for acct # XXXX  : that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX  I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of XXXX XXXX records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, Midland keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.
I told the company that the amount was to high so they changed the amount in half for only XXXX payments being on social security makes it harder to make payments when the payments are so high last year i gave this company my entire paycheck had nothing for self its like working for free the company responded like they did care as long as they got there payment
I am receiving text alerts from TrustedID regarding the Equifax breach. It says they detected activity that I need to check on. My userid and password are not recognized. When I click Forget Password, it tells me I will receive an email on how to reset my password but the email never comes. It says to call XXXX Monday - Sunday XXXX XXXX but that number has a weird busy signal, like it is not working.