WillisBack/dataset-financial-user-claim huggingface dataset:
Debt collection agency - Harris & Harris , Ltd of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX, telephone XXXX, sent me collection letter dated XXXX/XXXX/XX/XX/2015 demanding payment for debt that is already paid with original debtor. I sent a letter to collection agency dated XXXX/XXXX/XX/XX/2015 denying the demand was valid and stop any further collection attempt regarding the debt. The denial letter was mailed within 30 days of the demand letter. After the 30 days expired from the date of the demand letter, the collection agency sent a XXXX demand letter dated XXXX/XXXXXX/XX/2015 for the same debt. Collection agency did not acknowledge receiving my letter stating the debt was invalid and is continuing collection attempts for an invalid debt.
My former fianc, XXXX XXXX, and I applied for a mortgage from Sierra Pacific Mortgage Company XXXX XXXX a California corporation, XXXX ID XXXX. The loan estimate was issued on XX/XX/XXXX16. The loan number we were given was XXXX. The rate was locked and due to expire on XX/XX/XXXX16. I called the mortgage company today and they said that XXXX had asked them to do a different mortgage with just him and that is what they were doing. They refused to give me the appraisal that was part of the loan we were doing together. The loan officer, XXXX XXXX, XXXX XXXX XXXX, wont return my calls. The loan coordinator, XXXX XXXX, said she would call me back and did n't. We own the house together as joint tenants with rights of survivorship. My fianc has no right to put a mortgage on the house without my consent. This mortgage company appears to be doing just that, which is mortgage fraud, according to my attorney. My name is XXXX XXXX and my telephone number is XXXX.
Atlantic Recovery Soulutions ran my credit report without my permission. I have never heard of Atlantic Recovery Solutions before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Atlantic Recovery Solutions.
We received a response from Select Portfolio Servicing ( SPS ), dated XXXX XXXX, XXXX. This was a response to our complaint filed with the CFPB for Case Number - XXXX. SPS attached an incomplete " payment history history '' that did does not reflect the entity to which our mortgage payments, and mortgage payoff were forwarded to on our behalf. SPS claims that our payments, and payoff, were forwarded to XXXX XXXX XXXX XXXX, for certificate holders to XXXX XXXX XXXX XXXX XXXX, as trustee, on behalf of the holders of the XXXX XXXX XXXX XXXX XXXX XXXX Certificates Holders. However, XXXX XXXX XXXX XXXX has no record of our mortgage payments, or of payoff of any loan, owed by us, in their records, and for any certificate holders. SPS attached an incomplete Payment History Record that reflects a corporate advance of {$35.00}, XXXX - due or paid on - the date of XXXX XXXX, XXXX, and reflects a payment effective date of " XXXX/XXXX/XXXX. '' In addition, the incomplete SPS Payment History Record reflects continued fees owed by us, after our payment in full by refinance for check RECEIVED on XXXX XXXX, XXXX ( see attached XXXX XXXX XXXX XXXX -- and cancelled check - but NOT reflected on SPS incomplete Payment History RECORD - as paid by us. ). The payment history submitted to the CFPB shows fees owed by us, after our payment, which was supposed to be recorded as paid in full by us - as demonstrated by attached cancelled check in attachments, but was NOT reflected by SPS as paid by us, These fees, after our check should have reflected payment in full by us - but was not reflected as paid by us by SPS -- included the following after XXXX XXXX, XXXX - date of our check for payment in full to SPS, and included fees up until XXXX XXXX, for -- ( Codes included ) -- " 745 - restricted repayment, '' " 601 - Disbursement to Servicer, " " 631- property preservation disbursements, " " 170 - Pre-distributed interest, escrow, payment, '' " 173 - Custom Payment manual or max, '' 766- Misc. Repayment, " and most important - " 633- Misc . XXXX Disbursement. '' In addition, code 181 is not reflected on transaction code listing. However, a servicer advance - in the amount of {$35000.00} is reflected as " servicer advanced '' on XXXX XXXX, XXXX -- just prior to our refinance ( loan paid in full, on XXXX XXXX, XXXX. '' Internal Revenue Service documents for XXXX Mortgage Interest Statement reflect no delinquency, or default, at any time, and can be provided to the CFPB upon request. In the meantime, given SPS 's newly recorded assignment, and discharge, on behalf of XXXX XXXX XXXX Bank recorded in our County Registrar 's Office in XXXX XXXX, it is apparent that any Statute of Limitations for diverted monies, is no longer an issue. We request an accounting in full, to us, to the CFPB, to the IRS, and to our County Registrar 's Office, and request that the CFPB forward this request to these appropriate authorities, as authorized under law.. 
Thank You.
Transunion is blocking positive information from reporting on my credit report. I am an authorized user on my husbands XXXX and have been since 2001. XXXX reports authorized users each month and Transunion had reported it on my credit bureau report for years. I am trying to buy a house so I recently contacted Transunion to ask them to update balances etc. on my credit report for my XXXX. I only wanted them to report accurate information. They advised me to file a dispute with them so I did. ( see attached example ). Transunion instead of updating my raised credit limit and XXXX balance instead DELETED the positive account from my report. I was then told by dispute department that because I was an authorized user and I filed a dispute they immediately removed it and they would never allow it to be reported again. I only filed the dispute because that is what THEY told me to do. Because of one of their employees errors my credit score suffers. XXXX established length of credit for me as I have had it since 2001. I worked with XXXX and they reported it on XXXX XXXX and also manually on XXXX XXXX but Transunion is blocking it. If you check reports prior to XXXX XXXX you will see that XXXX reported on my account. XXXX XXXX XXXX ending in XXXX
Upstart networks is a fraudulent charge company, reporting a fraudulent account on all 3 credit bureaus. Upstart is reporting that I opened a loan with XXXX XXXX  and XXXX. I received a call from over 2 months ago that they deemed this fraud and would be removing the fraud account on file with XXXX XXXX and XXXX and never did. remove the FRAUDULENT MARKING ON ALL 3 CREDIT BUREAUS IMMEDIATELY.
I have applied for a credit card with HSBC bank to obtain their HSBC Cash Rewards Credit Card. I received and started using the card in early XX/XX/2018. A few weeks after using the card, it stopped working at stores and gas station. I contacted the number on the back of the card, I waited for over 30 minutes for a representative and wasn't able to get a hold of anyone. I tried multiple times and was not able to reach anyone. I was able to talk to someone on their online chat through their website, www.us.hsbc.com and they told me my card was suspected of fraud and they gave me their number to their fraud department. I called and had trouble getting a hold of anyone there also, and anytime I was able to get a hold of someone, they would transfer me to another department, I would wait over a hour sometimes and then the phone will just hang up. This has happened multiple times. 

I have spent {$150.00} on the card before it was frozen, and I was and still am not able to pay it off because of the suspected fraud. I talk to someone on the online chat and they could not do anything, they just told me to call their fraud department and they had to unlock my account. And I was even able to pay of my card until that happen. Then, my HSBC card was charged with a late fee for not paying the card. When I complain through the online chat, they said they could not do anything until I call their fraud  department in which I can not get a hold of anyone. I looked up on XXXX if anyone else has a similar experience as me, and it appears as dozens of people, over a hundred people have had the same exact problem with their card being frozen and then not being able to get in contact with a person. ( Link : XXXX XXXX XXXX )
I have submitted 4 disputes trying to get information from Medical Data Systems off the credit report. I have most recently ( XX/XX/XXXX ) provided a letter from the company. This has NOT been removed. Each company has been pointing to the other company as for who is responsible for this not being removed. I have spoken with managers including XXXX with XXXX and XXXX from Medical Data Systems. XXXX stated they ( MDS ) need to electronically delete the information from their side and MDS stated they have requested a manual deletion sinceXX/XX/XXXX and have no control over if XXXX  actually deletes it or what timeline they move. Even after submitting the letter XXXX from XXXX stated that the letter meant nothing if MDS did n't accept the letter as proof and voluntarily delete it. I believe MDS has done what they can do because its been deleted from my XXXX report and XXXX is the only one not deleted. However even after submitting a letter from MDS to MDS attached to the dispute onXX/XX/XXXX it was NOT updated. As of XX/XX/XXXX it is still reflecting that the account is paid with a {$0.00} balance. I have a mortgage loan hanging in the balance and neither company seems to care that time is of the essence.
I have XXXX " Former Addresses '' listed in California that are not mine. I have never been to California nor have I lived at either of these addresses. The XXXX addresses are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
I had filed a complaint with Wells Fargo for charges that were not made by me or authorized by me. The person who took the card was an adult son. He is not on the account and was not allowed to use the card on his own. Wells fargo is asserting that he was authorized and that is not correct. I have filed a police report as soon as I could regarding the occurrence - with XXXX County Sheriff Department case XXXX. 

I had a difficult to use card, replaced. The card had issues with both the strip and the chip. I had thrown the card away in a trash compactor. Apparently, the individual took it out of the compactor without my awareness, and cleaned it from the food I had compacted on top from the fridge and put it back together somehow. I noticed utilization of this card when receiving an email indicating the card was being used 20 miles north of my location. I had called the XXXX XXXX to investigate the charge and the manager recalled the thief as the " card was very hard to use ''. She furthermore described him. After careful inspection of the statement this person used my card in locations I may use it. To be undetected. But also places I had not gone. Like a tire shop, vape store, XXXX, as burger, XXXX.. XXXX, XXXX charges totalling over {$1200.00}. This individual moved and went crazy with a card he put back together. After confronting him he admitted to taking the card prior to destruction from my wallet and returning it undetected, and later taking the card when it was disposed of. 

Wells Fargo Credit Card comes with Zero Liability at no extra cost. Its built-in protection features ensure that you wont be held responsible for any unauthorized transactions, as long as they're reported promptly. 

They were reported as soon as noticed. It takes time here to get the police report, etc. Wells fargo is not holding to their agreement. The charges I had highlighted were indeed fraud.
I have been with M & T bank for a while and have had issues with my money being played withThe feds frauded meI have n't received my policies and I 'm just to the point idk know what to doMy debit card is offMy name is XXXX XXXX
Found debt listed on credit report. Sent letter stating letter to creditor listed that the debt was being disputed and validation is requested. Company sent back letter but did not receive the proper debt verification. The company listed original creditor but not amount Stated that they verified with original creditor via secured email and/or retrieval of original documentation but did not send to me. Stated that their verification process determined their debt information and final sum due as being correctly reported to them. Stated that information would remain reported to   XXXX   despite the debt was being disputed.
My credit report now has 42 inquires all of which are fraudulent. i have advised Experian XXXX and XXXX All of these companies referred me back to the creditors that submitted the request who referred me back to the companies. I do believe the spike in these request came from the data breach i want these inquiries removed XXXX XXXX Never Applied XXXX XXXXNever Applied XXXX XXXX- No Knowledge XXXX XXXX - this creditor has attempt to pull my credit 14 time in the past 6 months obviously it is not me XXXX- Never Applied XXXX XXXX Was never my card i disputed this account and it was removed
fter receiving and reviewing my credit report in XX/XX/XXXX of last year I noticed a derogatory mark listed by XXXX XXXX XXXX XXXX XXXX. I've contacted and sent multiple validation request as well as filed complains using CFPB before. Each time XXXX ( XXXX XXXX XXXX XXXX XXXX ) Has responded with the same verification and the complaint has been closed although what they have CONSTANTLY sent is not what I've requested the amount on the statements are not what's reporting to the Credit Bureau nor is it VALIDATING the debt is mine. I have sent certified letters requesting that the debt be validated NOT verified, specifically I want a signed agreement between XXXX and myself AS WELL as a detailed list of services and expenses meaning WHAT SERVICE did I get on the alleged day and WHAT WAS CHARGED for the alleged debt as well as WHAT WAS PAID. They have provided a billing statement which DOES NOT prove that I'm obligated to pay them anything. They have reported delinquent information to the Credit Bureau that I am asking to be removed. I am unaware of how they obtained my personal identifying information without my knowledge or consent, and they have failed in providing the acceptable information proving they have the right to report such negative information. Therefore I am disputing the validity of this alleged debt. I've attached the letter that I sent along with the companies response to that letter, this IS NOT VALIDATING the debt is mine. I'm requesting the immediate removal!
Being a victim of fraud is no fun nor is it easy to get fraudulent items removed. The following two accounts only shows on Experian, when the other 2 agencies rightfully blocked them. These accounts are not mines and I'm respectfully requesting that they be removed. XXXX  XXXX loan, and XXXX XXXX XXXX XXXX. If your investigation come back as accurate via electronically then please as a consumer I have the natural right to have physical documentation from my accuser, in accordance to the FCRA law.
On XX/XX/XXXX I took out a {$1000.00} loan with big picture loans.

On the XX/XX/XXXX I paid {$600.00} and a payment of {$390.00} was deducted by big picture loans. 

I thought I had paid back the {$1000.00} and was done with them. 

Unfortunately, on XX/XX/XXXX another {$390.00} was taken out of my bank account. 

I called and was told that I would get a refund of {$100.00}, because I still owed interest. 

I tried to check my balance online. I couldnt get into my account. Whenever I did manage to log in it said I owed XXXX dollars. Sometimes it said I owed {$96.00} or some other random amount. 

I would appreciate any help in resolving this problem and getting my money back. 

Thanks XXXX XXXX
I was evaluating Wells Fargo Home Mortgage to determine if I would like to utilize them as a provider of my mortgage for a home purchase. The Home Mortgage Consultant told me that a Conventional Loan was cheaper than a FHA Loan, saying that the PMI was " way higher '' on a FHA Loan. I asked him to show me the math via an Amortization Schedule for a Conventional Loan and a FHA Loan. Other mortgage companies were able to send me a document for each loan type generated from a system they utilized. This Home Mortgage Consultant sent me XXXX links to pre-populated variables at XXXX, XXXX for a Conventional Loan, the other for a FHA Loan. The variables can be changed on the site instantly. When asked to back-up the amount of PMI being factored into each table, the Home Mortgage Consultant was unable to back it up. Though the XXXX other mortgage lenders had different amounts of PMI on the Conventional Loan, the quote from Wells Fargo was arbitrary and from a third-party website that can be manipulated. The numbers can easily be changed to make XXXX option seem better than another without any accountability.
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
In XXXX of XXXX I applied for a $ XXXX home equity loan with Capital One ( " Capital '' ). The funds were to be used primarily for home renovation. I submitted all the required documents requested by Captial. I was informed, on XX/XX/XXXX, by the rep., XXXX XXXX, handling my loan application that he needed a Release/Satisfaction of Mortgage from XXXX XXXX. I was surprised because XXXX XXXX ( original mortgage in XX/XX/XXXX and refinanced with them in XX/XX/XXXX ) sold my mortgage to XXXX XXXX XXXX XXXX, who merged then merged XXXX XXXX XXXX XXXX who then merged with XXXX XXXX XXXX. On the same day, I went online to the XXXX County Clerk 's website, my home is located in XXXX County, and was able to pull down, for expediency, an unofficial copy of the Satisfaction of Mortgage from XXXX XXXX XXXX ( " XXXX XXXX '' ). I faxed the document to XXXX. Attached is an official copy of the Satisfaction of Mortgage received XXXX XXXX. XXXX led me to believe that if the document evidenced the transfer, in his exact words " ... will work '' To my deterimnant, I relied on his words and informed my architect to continue working on the plans which resulted in an additional cost to me of {$750.00}. I discovered, on XX/XX/XXXX, while checking Capital 's website and no replies from XXXX or his manager that my loan was denied. There was no reason provided on the site. There was a phone number XXXX provided to call with any questions which I did. I spoke with a rep, # XXXX, he said that the loan had to be completed within a certain amount of days or it will be closed and that a Satisfaction of Mortgage was required. I asked to speak with XXXX 's manager, XXXX, and was told she was in a meeting and would get back to me on the same day. Needless to say, she has never contacted me. To add insult to injury, when I arrived home, I received i the mail from my homeowner 's insurance company that Captial had already designated themselves as the XXXX mortgagee on my policy. I believe that my loan was improperly handled and incorrectly denied. Neither XXXX or his manager appear to be of any assistance in correcting this error. Instead, they choose to ignore a client.
I have been fighting with Experian for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
I have been applying for bank accounts and have been denied. 
XXXX and Bank of America are XXXX bank accounts that Ive had in XX/XX/XXXXboth accounts have been involuntarily accessed and deposits andwithdraws have been done on this account, each transaction wasTELLER TRANSACTIONS. 
When I first noticed it with the XXXX account I immediately brought it XXXX ( XXXX branch Acct. Manager ) she closed the accountand handled the issue for me. 
Months later it came to my attention that the same activities occurredwith my Bank of America account. On numerous occasions I madecontact to resolve this issue. PLEASE HELP ME! PLEASE XXXX AT BANK 'S AND TELLERS THAT PROCESSED THESEFRADUALENT ACTIVITIES & gt ;
After spending almost a year in an attempt to request short sale of my only rental property from WF Bank, I gave up and requested a Deed In Lieu of Foreclosure. WF finally approved the DIL after 8 frustrating months. In their approval paperwork, they stated that the property needed to be vacated by XXXX XXXX, 2015. I received this paperwork on XXXX XXXX, 2015. Since this is rental property, I am required under law to give my tenants 30 days to vacate. This is compounded by the fact that my tenants are XXXX and XXXX. XXXX XXXX was a XXXX, so I could not serve my tenants with a vacate notice until the following XXXX, XXXX XXXX, as I live out of state. I served my tenants with a notice to vacate by XXXX XXXX, and advised WF Bank as well as their law firm of the lawful date change. Today, XXXX XXXX, I was advised by WF via telephone that my DIL dispo was changed from approved to denied, because of the vacate date change. They expect me to break the law and force XXXX XXXX people into the street? I am not callous and I wo n't break the law. I do n't understand WF 's tactics.
There are authorizations made on a debit card but takes several days to post on to a checking account. While the authorizations are made, there are no funds being held out of the checking account. This causes a situation where there can be literally hundreds of dollars in overdraft and returned item feeds. I have received over XXXX in overdraft and returned item fees in the past month and half. I 'm working two weeks and I have no funds after my direct deposit because of fees. A {$35.00} overdraft fee for a {$1.00} charge is excessive
I have filed QWRs with both of my mortgage holders. I believe that the response I received from both companies does not meet the legally required guidelines that have been set forth. They seem rather condescending and unwilling to provide the requested information. I do n't believe that said information is proprietary or restricted in any way, after all it is my loans that we are discussing. 
I would greatly appreciate any assistance in obtaining my requested information from these XXXX companies. I would like to know the legal status of my loansl I have attached my initial correspondence with both companies. 
Thank you for any assistance you may be able to provide.