WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX   XXXX, XXXX, GA XXXX 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. 

XXXX XXXXeeds Attention Last reported : XX/XX/XXXX {$9700.00} XXXX Days Late XXXX XXXX Last reported : XX/XX/XXXX {$5000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4900.00} GoodThe items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Porsche Financial Services sent me a letter stating direct payment has been setup on XXXX 2016 which stated that the starting date is XXXX/XXXX/16. on XXXX/XXXX/16 I got a call that I 'm late 60 days. I sent their letter of confirmation to the email address they provided, XXXXXXXXXXXX and verified they received it while I was on the phone with them. Today I got a notice from credit reporting bureau that Porsche Financial Services reported 30 days overdue on my credit. This is unacceptable. I 've been trying to setup a direct payment since XXXX. They have extreme level of limitations and very inconvenient. Their technology is extremely behind and the consumers have to suffer. Ridiculous.
My wages are being garnished  by Diversified Collection Services Inc. They g ive me a number to call  XXXX , that number tells me to call the  XXXX .  XXXX  tells me to cal  XXXX  and we go in an endless loop. Before my wages were garnished I was never told how much I owe, nor how to get a copy of records relating to the loan, nor how to enter into a voluntary repayment schedule, norhow to request a hearing on the proposed garnishment. My balance has seemingly gone up, even though my wages have been garnished going on 7 YEARS. I just want to know if my balance is going down or how much interest I owe. ANY information at all would be wonderful, but I get nothing. Please help me.
They called my XXXX year old mother and upset her. She started crying uncontrollably They called my brother who work 24 hours straight. They left several messages for me saying they could help with my problem but never left company name. Called my in=laws.
My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with XXXX I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.
This credit collection company XXXX XXXX is reporting inaccurate ; erroneous information attaching it to my name and social security number trying to ruin my credit life!!! First, 1.  They are reporting two debts that are EXACTLY the same. XXXX actually transposed the first 3 numbers of what they call an account number - and duplicated the account onto my consumer credit profile with the credit bureaus 2. They're also reporting a third debt that there's no knowledge of. 
3. These debts have no validity and are inaccurate 4. They are in direct violation of HIPPA by reflecting account numbers and names of original health care providers ( disclosing personal consumer confidential information to a third party ) 5. They claimed a name change from money recovery to RMP yet still reporting money recovery inaccurate collection accounts on my credit bureau reports - complete violation. 
6. They are refusing to remove these inaccurate listings asap from my credit bureau reports
i have received conflicting information on what information is required of me, I have received numerous, ov er 20 conf using emails. I have received multiple phone calls for conference calls with mortgage companies only to be told that the mortgage company does not accept conference calls - all of this is done to delay the decision process. I have also had my privacy invaded, I provided checking account statements for the purpose of verifying the balance only to find that Caliber mortgage investigated all of my personal spending over several months and then they REQUIRE me to explain and substantiate my personal spending habits, spending that has nothing to do with evaluating my credit worthiness. I also believe that on ce Caliber Mo rtgage found out that I am employed by an  XXXX   XXXX , they systematically tried to find reasons to deny my loan, no doubt a form of subtle discrimination. I feel Caliber has evaded my privacy in doing an extensive investigation of my personal spending and then decide to discrimate against me because I am employed by an  XXXX   XXXX . I believe with my employment record and credit rating of over  XXXX , any reasonable mortgage company would approve my loan. I believe there is a possibility of either discrimination or fraud at Caliber.
I was notified in  XXXX  I owed a debt from a personal loan of  XXXX  dollars. I made payment arrangements to the company of  XXXX  a month which wa s D. Scott Carruthes  a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through   XXXX   XXXX   in  XXXX  and they were confirmed through D  Scott law fi rm I owed  XXXX  and my payment would be  XXXX  towards the law firm every month. I recently wanted to know my balance as of today with   XXXX   XXXX   which they told me was  XXXX  left to this company. I call the company direct and they are telling me I owe  XXXX  dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the  XXXX  in full and not deal with this anymore.
Started the short sale process on XXXX/XXXX/XXXX and sent to the bank on XXXX/XXXX/XXXX XXXX Bank confirmed package and broker price opinion was requested by bank on XXXX/XXXX/XXXX, XXXX Broker price opinion was completed today XXXX Bank asked for the agent to do another broker price opinion this was completed and sent in on XXXX XXXX XXXX bank stated they now want the buyer or seller to pay for and order an appraisal at the cost of {$400.00} I was also informed that the first Broker price opinion came in at XXXX, the next Broker price opinion came in at XXXX, I also sent in 6 comparables to the bank. XXXX XXXX seller agreed to pay for an order a licensed appraisal to dispute the first broker price opinion that has no license. 
XXXX The appraisal came in at $ XXXX, the offer amount is for $ XXXX XXXX/XXXX/XXXX Bank stated they would consider an offer at XXXX Leaving the seller no resource except to have to go through the foreclosure process.
This property has been in and out of foreclosure since 2010. Because of this, the owners refuse to pay any of their HOA dues and/or maintain the property - citing that its the banks problem. They still live there and owe over $ XXXX. There are now holes in the side of the home and the property is a complete eyesore.
I would like to report Carrington Mortgage for multiple reasons. The first for harassing me with numerous phone calls each month about my mortgage payment. I typically start getting phone calls around the XXXX of each month when my payment is not late until the XXXX of each month. I am an XXXX wife who currently does not live in my home since my husband services his country. I rent my home and must wait for rent proceeds to make the payment. I have always paid my bills in a timely manner. This is depicted in my credit score of XXXX. I also get verbally abused by customer service when I ask why I 'm receiving phone calls. They said your payment is due on the XXXX and we call until you pay the bill even though it 's not considered late until the XXXX of each month. The next issue is I 'm trying to set-up my account to make online payments since they are charging me {$5.00} each time I make a payment via phone. They would not allow my husband to use his bank account even though his name is on the loan. I had to transfer the rent proceeds to my account and now I ca n't gain access to make a payment online for some reason. They are taking advantage of customers by not easily allowing them to gain access to their online payment system, so they are forced to make payments where they enjoy a {$5.00} speed pay fee each month.
XXXX XXXX XXXX ( the company that received a no-action letter ) place a fictitious loan on my credit report. I called them, wrote them, sued them ... and obtain a {$10000.00} judgement which they appealed-went to an arbitration where the arbitrator appears to be convinced I did not complain loudly enough to officials. They created the loan with e-signatures-never asking for a valid id ( The Patriot Act may have been ignored ) ... .and I have been fighting for nearly one year to remove them. I went to the police-they said they had no jurisdiction-went to the FTC ... file 13 ... I plan on pursuing all possible remedies including Federal Court. 
The loan was issued using a business address in the State of XXXX-I live in XXXX XXXX ... to a bank in either XXXX  or XXXX-XXXX XXXX. The originator was XXXX-the lender XXXX XXXX XXXX. ( recently cited by the State of XXXX XXXX ). 
I am not sure if I was the only person ... or more people have these phony loans.
i am late on a payment and card member service contacted my employer and shared my payment and account information with my supervisor. the date this took place was XXXX/XXXX/XXXX during business hours
I began a refinance with USAA Federal Savings Bank in XX/XX/XXXX and worked mainly with XXXX loan processors : XXXX XXXX XXXX ext. XXXX and XXXX XXXX XXXX ext. XXXX, for a re-fi loan on our second home at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. We had the deed under our trust, and so USAA wanted the trust documents which we gave them in late XX/XX/XXXX. The closing was originally set for XX/XX/XXXX at XXXX CDT, at about XXXX the notary called us and said that the closing had been cancelled because USAA had n't properly reviewed the trust documents ( USAA never called us about the cancellation ). We then set the closing for XX/XX/XXXX. As we were signing the documents, I asked the notary if we needed to sign with all the verbiage of the trust, so the notary called someone at USAA and were told that we could just sign as trustees, no verbiage needed. On XX/XX/XXXX, I received an e-mail from a XXXX XXXX XXXX XXXX XXXX for XXXX XXXX, XXXX ext. XXXX saying that documents we signed were " not what was needed '' and that we would have to resign the trust portion correctly. We had a XXXX closing on XX/XX/XXXX, and, I believe that the loan was funded on XX/XX/XXXX. I told the notary at the XXXX closing that our loan lock expired on XX/XX/XXXX, and if we needed a XXXX day rescission period, we would be past the loan lock. He said to let USAA worry about it. Since the loan did n't close until XXXX, I was told in XXXX separate e-mails that the first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from USAA Federal Savings Bank saying that I had not made the XX/XX/XXXX payment! I called the bank and e-mailed the notice I got from XXXX XXXX saying that the first payment was due XX/XX/XXXX. I reached out to USAA XXXX, and they basically told me that since I had signed the loan documents that said XX/XX/XXXXwas the due date, that I was out of luck. I have all the e-mails and letters I sent and received from USAA, XXXX XXXX, etc. if you need them. Also, USAA said they were sending a XXXX package to our Wisconsin address with the XXXX XXXX payment information, we never received that package. I have paid the XXXX payment on XXXX XXXX, however USAA applied it to the XXXX payment. This whole process has been a mess, poorly communicated, little attention to detail, and not being able to rely on what the loan processors told us via e-mail. I pointed out to XXXX XXXX that the loan figures were not correct, and she said not to worry and it would get refunded to me once we closed, so my question is if the loan we signed said first payment was XXXX XXXX, and her e-mails said XXXX XXXX, why could n't this also be corrected? I asked USAA to refund a portion of the closing costs to us, but they said since we had not been " monetarily harmed '' ( I think having to make a payment a month early from what we thought would constitute a monetary harm ) USAA would not reimburse us any closing costs.
I have filed disputes with Experian regarding files on my credit report. Items that should be removed. Experian appears to be processing them and not investigating the matter properly. I have sent letters via certified mail demanding an insight in how these investigations were conducted, who was contacted, names, dates, and so forth as allowed under the FCRA. Experian has not responded nor sent information regarding this matter back.
I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I also have unauthorized credit inquiries on my credit file that I never initiated. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft Report.
We received a letter of " Notice of Servicing Transfer '' from XXXX XXXX XXXX XXXX # XXXX ; # XXXX. XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX that they were no longer collecting payments, effective XXXX XXXX, XXXX. 
Fay Servicing LLC NMLS # XXXX as your new servicer, will start accepting payments received from you going forward ( account # XXXX ). We received our first statement from Fay in XXXX XXXX, with a balance of {$660.00}. On XXXX {$400.00}, XXXX {$500.00}, XXXX {$430.00}, XXXX {$340.00} were all drafted from my XXXX XXXX XXXX checking account XXXX XXXX. 

We received statement from Fay Servicing for the months of XXXX, XXXX, and XXXX, which did not show the payments being properly allocated to the account. The amount owed, instead of decreasing, was now increased from {$660.00} to {$2300.00} to date. 

I, XXXX XXXX started making telephone contact with Fay, dating back as early as XXXX when i realized the payments were not being applied properly. In XXXX I attempted to speak with XXXX XXXX ( numerous calls and voice messages left ), XXXX XXXX XXXX XXXX 's manager ), XXXX XXXX ( on XXXX XXXX ), or anyone else for that matter with no success. My wife attempted to call on a conference call with her attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, and was given the assurance that the corrections would promptly be made to the account. 

At this present time, Fay Servicing has now locked me out of my account, not allowing me to make anymore payments. They have also began pre foreclosure proceedings against my property at XXXX XXXX XXXX, XXXX GA XXXX. 

I have enclosed all documents to support my disclosures.
Contacted on XXXX to make payment on an account. Accepted payment of $ XXXX and I provided them banking information and they accepted the payment. They called back 10-15 minutes later and said they could not accept that amount anymore and I needed to pay {$17000.00}. Debt collector had told me that by paying the $ XXXX it would be removed from my credit. When I called back and spoke to manager she stated they can't accept the $ XXXX anymore and they would not remove it from my credit. I have 3 letters from them stating to pay the {$12000.00}. Transaction ID XXXX. I asked to speak to someone else higher up and she refused. 

They are extorting clients and making false promises. They created a contract by accepting the {$12000.00} and stating it would take care of it and be removed from credit then once I paid the story changed. This company should not be in business. Unfair, unethical, and illegal practices to extort money out of patients.
My mortgage was sold on XX/XX/2017. I found this out when I logged in to view my tax documents. I received no notification for the company selling my loan nor the company who purchased it. I called the seller company and asked who they sold it to, They claimed it was XXXX, however the customer service number they gave me belonged to XXXX. I called both companies and neither one have my SSN on file or any information about a transferred loan. It is almost time to pay my next mortgage payment and I have no other ways to track it down. What should I do?
I opened a business checking account on the XXXX and on Monday XXXX XXXX, I wasn't able to log in, called a representative and never heard back from them. Saying the account is getting reviewed. I want to get my money back fast. Since I'm still unable to use the account online.
I filed bankruptcy, chapter XXXX, and was discharged in XXXX of this year. A XXXX Credit Card is showing on my transunion report as closed with a {$970.00} balance and is not showing discharged as it should.
RE : Credit Protection Association account number XXXX I recently obtained a copy of my XXXX credit report and noticed a collection reported by C.P.A., regarding a {$390.00} ( or an original amount of {$490.00} ) bill to XXXX, from XX/XX/2013. 

In XX/XX/2013 I moved to a new home and made sure the equipment of theirs was returned. The bill was paid in full and as I said, ALL the equipment was returned back to them. 

I disputed the information appearing on my credit history to C.P.A. twice ( on XX/XX/XXXX and XX/XX/XXXX ), but C.P.A. informed the credit bureaus that they had verified this debt as accurate ; verified with who? Based on my recent conversation with XXXX they did n't verify anything with C.P.A. 

I do not owe XXXX any further money ; I ask that C.P.A. remove this collection tradeline from any credit reporting bureau it may be reporting it to ASAP.
I 've never tried to apply for any credit cards in my life. I moved out of the state and did n't change my address I received letters from the government and it had my social security number my name on it & someone been ruining my credit they fraud a lot on my social please I need help I 'm only XXXX yrs old with a no good credit that I 've never took any action on.
I disputed these unauthorized inquiries on my report with each credit bureau. 

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Discover Card applies payments up to the minimum payment amount solely to the lowest APR then applies any remaining funds to the higher APR. This results in the balance on the higher APR increasing at an exponential rate unless payments are made with consideration for the minimum payment + interest expected on the higher APR line.
I called Amerisave asking about a refi on my investment properties. They made all kinds of promises and after the appraisal the promises was changed. The have done numerous credit checks, one report they done it twice in one day. I gave them permission to do the credit check on XX/XX/XXXX, but not on XX/XX/XXXX and mainly not twice with one bureau. Every week I was assigned someone else to work with, information was messed up and lost due to this being done. I was told my score was to low after spending a month with them and spending {$650.00}. I checked the scores, and they did not match what they said they was, they stated they was not under any obligation to share the report. The score they told me was mine, was not. This company is so unorganized and should be investigated before they take advantage of others. The have a awful rating on sites I found, I should have taken that as a clue not to deal with them, but they made me such a great deal on the first call and down hill from there.
I have made several complaints with this office. I continue to get emails and phone calls on " debts '' I do n't owe. A request has been made to send verification of debt. I have not received anything previously requested. I do n't know if this is a scam or legitimate collection company attorney process servers. I get calls at my place of employment and on my personal cell.