WillisBack/dataset-financial-user-claim huggingface dataset:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.
I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.
In XX/XX/XXXX I was sent a XXXX XXXX XXXX XXXX XXXX report in my name XXXX XXXX XXXX and someone by the name of XXXX XXXX. 

In XX/XX/XXXX I went to school at XXXX XXXX University on a partial football scholarship and transferred this year to XXXX XXXX University ( XX/XX/XXXX- currently there ) the rest of the money needed for school I borrowed. My family and I moved from XXXX, XXXX to XXXX XXXX in XX/XX/XXXX I have NEVER attended ANY schools in XXXX period. 

XX/XX/XXXX, My Mom received a notice from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Someone we DONT KNOW is using my name, social ... to attend school at XXXX XXXX University without my consent! It initally started with a fees bill we received about 2 months prior. My Mom called the university and they said they would remove it and provide a confirmation. They did not and continue to allow this student to fraudently use my identity. We are reporting this to ALL agencies at every level. Please help us.
I contacted XXXX, Equifax and XXXX  and asked them all to correct the inaccuracies on my credit report.
My name is XXXX XXXX XXXX. I had a mortgage with XXXX XXXX XXXX XXXX ( " XXXX '' ), which was transferred to Rushmore Loan Management Services ( " Rushmore '' ) in XX/XX/XXXX. XXXX Loan # XXXX. Rushmore Loan # XXXX. Property address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 

In late XX/XX/XXXX I fell behind on my mortgage, but knew that I would be able to catch it up in early XX/XX/XXXX. On XX/XX/XXXX, I had the funds on hand and XXXX stated that amount to reinstate, including XX/XX/XXXX 's payment, would be {$8600.00}. I sent {$9000.00} on XX/XX/XXXX, which was received XX/XX/XXXX. On XX/XX/XXXX, the check was returned, stating it was insufficient to reinstate, and the amount was now {$12000.00}. My mortgage payment per month is only {$810.00}, so this increase doesn't make any sense. 

I later learned that XXXX had put homeowner 's insurance on my property, even though I was paying it directly and had provided them with proof that it was current and active. 

By XX/XX/XXXX, I was able to get XXXX to accept payments, but these were listed on the account as " Unapplied '', and I was still charged late fees and penalties. Not including the " unapplied '' that should be subtracted, the past due figure on this statement was {$2400.00}. 

Just after this ( XX/XX/XXXX ), the account was transferred from XXXX to Rushmore. Rushmore sent me a letter about how much total was owed on the loan, but did not have an address for where to send payments. This balance statement included a listing for " Other Charges '' for {$3600.00}, and Rushmore were never able to explain where this figure came from. They stated that the amount to reinstate the loan was now {$6500.00}. An actual billing statement was not sent until XX/XX/XXXX. 

Because I had the money and didn't want to deal with it anymore, I paid Rushmore the {$6500.00} they requested on XX/XX/XXXX. 

When I received the first normal monthly billing statement from Rushmore on XX/XX/XXXX, I saw that they had begun escrowing my real estate tax and that was why the number was higher. I called the local tax collector, who stated that Rushmore had already paid the first two quarters of XX/XX/XXXX taxes, which is why the arrears had increased so much. 

I fell behind again on payments due to the fact that I had put other bills on hold to pay XXXX and Rushmore more than they were owed. So I again sent a check to fully reinstate on XX/XX/XXXX. This check was returned to me, with the reason marked " OTHER, CONTACT CUSTOMER SERVICE ''. I did so, and they don't know why it was returned. 

In the last year and a half, I have paid XXXX {$14000.00} and Rushmore {$12000.00} for a total of {$27000.00}. This is for a mortgage that started at {$810.00} per month, and is now {$890.00}. Even disregarding how many times they have screwed up when I tried to do the right thing, and assuming the higher payment amount, I should have only paid about {$15000.00} in that time. And even with paying almost double what I should have, they say that I am behind and are threatening foreclosure.
I applied for a loan modification with Owen Loan Servicing LLC to try and modify my home mortgage. Ocwen denied my loan modification twice with false, and misleading, information. 

On XXXX XXXX, 2015, I applied for a loan modification and was incorrectly denied a loan modification. Ocwen denied my loan modification based on the fact I already was granted a past modification two years ago. Ocwen stated I can only apply for XXXX loan modification and I have reached the maximum times I may apply for a HAMP modification. This denial is not true and is an attempt by Ocwen and the Investor to intentionally foreclose on my property. 
Ocwen is not following the HAMP guidelines when evaluating borrowers for loan modifications. 

In XXXX 2015, I applied for a XXXX review for a loan modification. Ocwen again, denied me a loan modification on false and untrue facts. Ocwen stated that I earned an income of {$6000.00}, which is not true. I do n't earn {$6000.00} of income. My income is {$5100.00} a month. Also, Ocwen stated I was current on my mortgage, also not true. I am 90 days behind in my mortgage and need mortgage assistance to save my home. 

Ocwen several times has tried to convince me to sign a Deed in Lieu of Foreclosure and return my property to them. I have numerous times explained to Ocwen I do n't want to give my ownership to Ocwen and I need a affordable loan modification.
On XX/XX/XXXX i had a auto loan with Capital One Auto Finance, i made all payments on time, in XX/XX/XXXX i lost my job, I call Capital One Auto Finance and let them know i lost my job, they told me to make one last payment in XX/XX/XXXX, then i can give back the car and i would not owe anything, i did what i was told, i never receive any bill for payment so i guess everything was ok, i made arrangements for them to come to my home and take the car, now XXXX later on my credit report there is a charge off account for {$6900.00} which is harming me from getting anything any credit. I do n't understand how Capital One Auto Finance can get away with such illegal stuff, they talk to me so good took the last payment and i let them come to my home and get the car. then put that on my credit.Please help me
For months, I have been receiving a host of daily and intrusive " robocalls '' from ( XXXX ) XXXX coming into my work telephone number. My work space is situated in an open floor plan, and so my colleagues are impacted and undoubtedly bothered by the frequency of these calls. Aside from family emergencies, I am not permitted to receive non-work-related phone calls, conduct nor otherwise engage in non-work-related activities during my regularly scheduled working hours. I have answered this call ( er ) on more than one occasion and each time I'd been met with an automated voice assistant 's instructional prompt, which indicates that if one were to press the number " 2 '' these calls would stop. This has certainly not been the case. The caller ID lists this number as belonging to Vital Recovery Services. I am not familiar with this company. And I have never associated my business telephone number with any consumer credit account beyond ( possibly ) my mortgage and/or car loan accounts ; neither of which are tied to Vital Recovery Services.
XXXX   XXXX   XXXX    XXXX     XXXX    XXXX  VA  XXXX  #  XXXX  dob  XXXX / XXXX /  XXXX   Transunion,  XXXX  and   XXXX    will not delete the unauthorized inquires on my credit.     The investigation has been over 60 days and still they have not been deleted.     the list of unauthorized inquires has been attached DELETED THE UNAUTHORIZED INQUIRES FROM MY REPORT
Since XX/XX/XXXX, I have been making monthly {$120.00} payments on student loans owed to Campus Partners/XXXX XXXX that were sent to XXXX XXXX XXXX XXXX for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XX/XX/XXXX Recent balance {$6900.00} as of XX/XX/XXXX {$800.00} past due as of XX/XX/XXXX 2. Opened XX/XX/XXXX Recent balance {$3400.00} as of XX/XX/XXXX {$710.00} past due as of XX/XX/XXXX. 
3. Opened XX/XX/XXXX Recent balance {$9100.00} as of XX/XX/XXXX {$1000.00} past due as of XX/XX/XXXX I have contacted XXXX XXXX XXXX on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XX/XX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX method On XX/XX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX  method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. XXXX XXXX XXXX has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.
We refinanced in XX/XX/XXXX, after being told that they could help us refinance and then after a year we could get a better loan, when our credit was better. Well it is XX/XX/XXXX and our principal has gone from $ XXXX to $ XXXX, we had XXXX modification, but it did n't change the " terms '' of our loan and because the investor ( XXXX XXXX XXXX ) put a clause that the loan could only be modified once, we ca n't get help with HARP or HAMP. This was an interest only ARM loan and now our interest rate is 12 % and our payment is over $ XXXX/month.
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. 
THIS ACCOUNT IS A fraudulent ACCOUNT please removed XXXX ACC # XXXX Please update my phone number 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. 
If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
My wages have been garnished for this since 2010 and my employer says it was paid as per court docket now 5 years later GCServices is trying to collect additional funds and will not send me proof of all payments and total collected my employer states in access of XXXX and my pay stubs prove it just want to know how these companies can recollect the debt all over and start with harassing phone calls for a debt I know is paid in full
I do not know why this collection is on my credit for an account that was closed in XX/XX/1999. This company keep updating account so it will continue to be on my credit. I do not havwe an account with this company and I would like if they will verify that I owe them and why. I would lke for this to be removed off all XXXX credit bureaus.
I have received upwards of 20 calls in ONE week from Discover Card regarding a debt owed by XXXX XXXX. My XXXX mothers last name was XXXX, however her first name is not XXXX. I called Discover Card after receiving five calls in one day. I advised that XXXX XXXX does not live at this address, and asked if someone had used my moms information - since they were calling her number with the right last name. They advised they could not disclose that information, or the nature of the call. I verified with them that the number calling me was them, and they advised it was. I asked them to stop calling since my mom is XXXX ( going on 7 years ), this is not her debt, nor is it a debt for anyone at this number. The harassing calls continued to the point that I needed to disconnect my phone number. I have XXXX small children and the constant phone calls throughout the day were interrupting their sleep time, not to mention, they were harassing due to the sheer volume of calls received in a day and week. It was nearly one month ago that I called Discover and asked that they stop calling me however to date, these calls still continue. I was notified today by my old phone carrier that another voicemail was left on the old number around XXXX. I am upset that these calls continue. I am upset I have had to cancel our old phone number and get a new phone number, and I am upset that Discover refused to tell me if my XXXX mother 's information had been used - yet they continue to call me an obscene amount of times. That phone number had been my number for 31 years - this was a difficult decision to make, and I do n't feel that Discover should be able to harass me in the way that they have.
Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect.
trying to see my credit report not letting me see it XXXX, XXXX violations they have the police report XXXX item lost stolen have insurance so I went with a new carrier so they don't want to refund the lost or stolen item that the warranty covers b/c I went to a new carrier Experian has 5 inquires and XXXX  that are not mine encloses
XXXX XXXX refused to send me my biling statements from XXXX XXXX XXXX and my last payment on XXXX XXXX, XXXX. That 's over 365 days between payments, so my 7yr time clock for deletions starts 30 days after first delinquency under FCRA. I had a three way call with XXXX and Experian and the manger whose name is XXXX # XXXX, and XXXX # XXXX XXXX and XXXX XXXX XXXX all confirmed the validity of my complaint. XXXX then lied and said they could n't find records because it 's an old file. I was threatened to contact you and anyone else, so I 'm reaching out to you to retrieve these dates and records so that I can have this deleted from my credit reports immediately. This company started out polite and concerned but then flipped the script and denied me all relative information for my records.
XXXX   XXXX   XXXX   XXXX  has reported that my Auto Loan #  XXXX  was 30 days late in the month of  XXXX   2017  and  XXXX   2017 . There has been several adjustments on my account due to them misapplying my payments ; therefore, the statements I have been receiving are not accurate. I have been paying on this loan for the last 2 years and I have never been late and they are stating that they are not able to make any adjustments because they are reporting accurately even though the representative that I spoke with clearly informed me that my payment was indeed not 30 days late.   XXXX  I have reached out to them on several occasions to have this resolved and I submitted a dispute with th e Credit Reporting Agency  as  XXXX   XXXX   XXXX  told me to do ; however, they are still not updating the reports which is causing an adverse affect on my credit score at the moment.
I opened a Kohls store card and they made it seem like it was very easy without explaining much information. I applied after making a purchase and they said all I had to do was sign a form and for me to answer a few questions in the terminal, I was then approved and I went on to make purchases and didn't have much credit knowledge so I used my card for a few things and then I lost my job and had trouble paying it off because of me being unemployed.
please be advised that a copy of this letter has also been sent via certified mail. the equifax, and XXXX credit reporting agency both continues to be dishonest in its investigation of this chapter XXXX & chapter XXXX bankruptcy being reported under my name, it was confirmed that the company XXXX was the supplier of this invalid account being reported, but they could not validate these bankruptcies with XXXX and therefore XXXX deleted the items, however equifax and XXXX continue to say that this company is their supplier of this invalid info.I hav never lived at the address this bankruptcy was filed under, so I called them to request that I have this validated and they stated that they have not validated this debt with equifax, XXXX, furthermore I went to the federal bankruptcy courts ( letter attached ) to attempt to gain any information being reported and they gave me an official statement that they do not furnish information to anyone or any credit reporting agencies. According to the bankruptcy court ( letter attached ) they do not verify bankruptcies with the credit bureaus. I demand direct, not third-party, proof according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my record according to FCRA, Section 609 a ( 2 ). please provide me with the courthouse name, address, phone number of who verified this debt
I have contacted you regarding a collection agencies that will not stop trying to collect a medical bill that can not be paid by insurance for not having the copy of the actual bill. All three of the companies are affiliated with XXXX company. XXXX XXXX XXXX. XXXX of the collection agencies have been resolved and removed from my credit reporting. I thank you for looking into this to matter to re solve this complaint, XXXX XXXX XXXX XXXX 
( XXXX ) XXXX
Every month the company sends me a letter prior to sending the statement saying what my next months payment will be. I always pay my payment on time and have never been late. All of the sudden the XX/XX/XXXX statement comes and it does n't reflect what the payment letter stated the payment was to be. Then when I went to make the payment on line the it said exactly what the payment letter said was due for the payment. So I made the payment and the next thing I know they are putting my payments to a suspense account and saying there was a payment shortage. I contacted the mortgage company and they could n't tell me why and they would have to send it to the research department and they would get back to me within 10 days, which never happened. I have sent them emails to XXXX different departments ( I have attached a copy of one of the emails please note all XXXX were the same ) requesting the information and a registered letter which they acknowledge getting, but they still continue to charge me an additional amount every month. This has been going on for 3 months now and when I pull up my payment history they have all these charges and rev charges and some charges I have never heard of. I can show my payment history that shows payment after payment and then all of the sudden on XXXX XXXX all these crazy charges started. They refuse to explain to me what these charges are for? Again, this month I went to make the payment as always and the only amount it will allow me to pay is the regular amount ( and extra principal if I want ). Can someone please help me? I had a similar issue with them when they purchased my and loan and it took forever, but they finally straightened it out after they continually treated like I needed credit counseling and possible loan modification, when in fact i just wanted to make my regular payments on time and have them credited correctly, and now years later here we start again! Please note that i have EVERY statement from the very first payment on this loans origination approx 11 years ago. I have never been late one payment and never intend to!! I just want to make my payments and have them credited properly and if there is an additional charges please tell me what its for! Just think if they charged every customer an additional XXXX ( approx amount ) how much additional money they would make from those people that just pay and never question it. Now they are trying to jerk me around because I did question it and they refuse to give me an explanation or fix it!! Please help! Thanks
I went online to XXXX on XX/XX/2016 and purchased a TV sound bar bundle. Confirmation number XXXX. The order went through ; however, Bank of America denied the charge, then accepted the charge. Since they initially declined the charge, the order with XXXX was cancelled. When I found out, I called back to XXXX who said the item is now out of stock and the offer is no longer available. I had to purchase this item elsewhere and the total loss is {$220.00}. XXXX has advised the person of wrong doing is Bank of America for cancelling denying the initial transaction. I would like to be made whole and Bank of America has declined a valid charge. Loss : difference in pricing {$50.00}, XXXX Cash {$150.00} ( for making purchase ), XXXX rewards {$50.00}.
From the Equifax website I understand that my personal data was breached. I felt the best protection available to me is to freeze my credit reports. Today, XXXX XXXX XXXX I called Equifax at XXXX and entered my personal information. At the end of the process a message informed me that they were unable to freeze my report at this time and to refer me to their internet sight XXXX. Once again I entered my personal data. At the very end I was told that they could not process my request at this time. 

I feel that my financial situation is vulnerable and that Equifax, who created the situation in the first place, is not doing their part to help those affected.