WillisBack/dataset-financial-user-claim huggingface dataset:
Addresses reported on my credit report include the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. This has never been an address for me. I have always resided in XXXX. The other addresses listed on my report are correct. Concerns me that someone in XXXX XXXX may have used or trying to use my name for fraudulent purposes.
XXXX scores carry too much weight and are there methods are hidden. 
The government should publish the XXXX formulas!!!
Currently, our home is in the final stages of foreclosure and our repeated attempts to modify our loan have been denied by XXXX and the investor that bought the loan from XXXX XXXX. We request your help in obtaining a modification of our mortgage. 

The beginning of XX/XX/XXXX my wife lost her job and our household was suddenly without an income as we were both unemployed. We were able to remain current with our mortgage for a couple of months and received temporary relief from our current mortgagor, XXXX XXXX, under the HAMP program. Our mortgage was dramatically reduced for a period of 6 months to provided time to find another job. At the end of the six months the difference between the reduced payments and the full payment as instantly due. Since neither of us had a job yet, a modification was not feasible and shortly thereafter XXXX filed a foreclosure action. 
In XX/XX/XXXX XXXX sold the loan to XXXX XXXX XXXX XXXX XXXX d/b/a XXXX XXXX. The loan was serviced by XXXX XXXX. 

In XX/XX/XXXX we filed for a loan modification and was denied because our loan to value at 21.35 % was too low. It is true that the loan to value for the XXXX loan is only 21.35 % but the overall loan to value of the combined first ( XXXX ) and second ( XXXX XXXX ) mortgages is much higher. 

The principal, interest and real-estate taxes and fees due XXXX currently amount to {$170000.00} and the amount due the XXXX is currently {$460000.00}. The total due of {$630000.00} is 112.5 % of the appraised value of {$560000.00}. The existence of the XXXX loan makes it impossible for us to refinance the first with any lender because of a combination of loan to value and a low credit score.  XXXX refuses to take into account the second loan in determining loan to value of the property. 

In XX/XX/XXXX my wife obtained a job that pays {$170000.00} per year plus a 30 % bonus. This income alone can service both loans if we were able to modify both loans. XXXX XXXX has indicated that they are willing to modify but that we need to get the first modified first. 

We are looking for any help we can get to get XXXX to modify our loan so we can stay in our home of 24 years and get back in track financially.
Bank of America offered a no interest for a year, no balance transfer fee XXXX. We wanted to manage our debt with no balance transfer fee. Filled out form but received a different Cash Reward card instead and they charged {$200.00} plus in balance transfer fee. Called and spoke to 4 reps who kept transferring my call asking same questions until they disconnected me. This took an hour. I only wanted balance transfer fee removed from card. It seems like a bait and switch.
I have been disputing this collection for awhile for a collection that was placed on my credit last year for a debt that I do not owe. I 'm not understanding why this collection was placed on my account for {$5000.00}. I want this to be removed from all my credit reports immediately. I 've sent in numerous dispute letters and no action has been taken. Please advise on any updates from this issue.
A collection agency under the name " GoldKey Credit '' has reported a " past due '' debt of {$1300.00} on my credit report and is refusing to provide me with validation that I owe them this money. The account number on my report is # XXXX. I do not have any unpaid debts with this company as I have never done business with them. I mailed a request for verification on XXXX XXXX, XXXX and to this date, I have not received a detailed explanation explaining what this money is for. It is now XXXX XXXX, XXXX. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The Better Business Bureau currently has a 80 % negative review rating and XXXX has countless stories of being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.
The following Company " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' has contacted my employer stating that they are going to serve me legal papers for a past debit from XXXX-XXXX. The are acting on behalf of XXXX XXXX XXXX ( XXXX ). 

When I XXXX the phone number XXXX and XXXX it reflects as scam. And we I XXXX XXXX XXXX XXXX   ( XXXX  ) its reported as scam as well. 

I dont know where to pay them or not as they are threatening my employer, never contacted me directly or sent any information by mail. 

I received only a settlement letter from them via email. 

Company Information : " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH XXXX PH XXXX PH XXXX Settlement Sent on XX/XX/XXXX Amount : {$800.00}
I have sent 3 letters in the past 3 months to all 3 Credit reporting agency 's. I get either no response or just printouts of my credit reports with no changes. I have proven my citizenship, personal identity and everything they have requested and still receive no response or change in my credit reports. I have old addresses, old jobs, tons of credit checks which were not authorized by myself, they still do nothing. A posted Bankruptcy, which the Federal GOv't does not give to the Credit UNions, which is actually illegal to be posted on my credit report saying the Bankruptcy COurt did it. This is just a started.
Also, I would like to be provided proof I consented to TO ANY/ALL hard inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately : Company Information : XXXXXXXX XXXX XXXX  XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my SSN. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

Portfolio recovery account is Fraud account XXXX XXXX XXXX  is mine debt
Transunion has fail to delete unverifiable information on my report. They continue to verify closed or sold accounts that show reaging, recent payments and balances due and collection companies have fail to provide me with account documents.
I filed Bankruptcy in XX/XX/XXXX while going through a divorce. The bankruptcy was discharged in XX/XX/XXXX. The debt is with XXXX XXXX collecting for XXXX XXXX. The open date is XXXX/XXXX/XXXX. The re-aged and sold the debt to this collection company after my bankruptcy like must creditors think they can get away with doung this to consumers. I review my credit every three months. This XXXX debt was list on my XXXX in bankruptcy. I keep disputing this tradeline with all XXXX repositories. XXXX keeps selling the debt trying to collect. I need this account deleted. I do n't owe this debt.
Chase Bank closed all XXXX of my credit card accounts in XXXX 2015 after I reported them to the CFPB for failing to secure my accounts from fraud after my cards were compromised. Since I generally paid my cards off each month, I had a credit balance of {$110.00}. I told Chase via phone on two separate occasions to issue a check for the credit balance. I also told them this via letter that they signed for. Chase has intentionally retained a credit balance on a closed credit card account and refused to refund me after I asked multiple times over a three to four-month period.
We believe this is a fraudulent cell phone account opened in my name. We sent a letter copied from the CFPB web site and requested all information related to this supposed debt. The letter was sent certified mail, return receipt, and was signed for on XXXX/XXXX/15. We asked for them to cease all contact until the requested information was supplied. To date, we still receive multiple calls/day on multiple numbers ( home, personal cell, etc ).
There are several Business funding capitals that have unlawfully drawn my credit report without my promission, I just want fair credit reporting and scores updated as well
I have had my credit report damaged due to XXXX XXXX XXXX   mismanagement of this account that includes incorrect charges. Every time I call to deal with this problem, I am transferred around several times and then hung up on every time. I was then given a number that appears to be a SCAM number according to reports on the internet. I gave them my personal information and then hung up on. 

I believe this was a phishing number but I received this number from a XXXX XXXX representative. I would like to report this for further investigation. The number was XXXX. Please investigate!!! I am very concerned about the compromise of my personal information. 

Also, please reverse the late payment showing on my credit report because I did not ignore my account. I explained the information and gave my requests to the XXXX XXXX CSRs and they took my payments but my requests for a forbearance/deferment were repeatedly ignored. My requests to delete this debt from credit report were likewise ignored and no investigation was done. 

I would like any damage to my credit report to be corrected and an investigation into where my personal information went to as a result of XXXX XXXX. I also request all information regarding this alleged charge. 

Thank you.
debt collectors constantly calling my phone all day before XXXX and XXXX. even on weekends sometimes they call from private number they refuse to tell me which company their representing as well. sometimes
Purchased my home XXXX XXXX XXXX was the bank holding my mortgage. My mortgage went from {$2300.00}. To {$2800.00} in a year at 6.5 % I reached out to XXXX XXXX in XXXX ( which his office tried to playoff that they were a law firm, they did nothing for me! ) you need to look into his company too. I stopped making payments for three months, it got their attention In XXXX I was granted a mod. In XXXX paid XXXX I signed documented papers from XXXX star. Paid XXXX XXXX mortgage, paid XXXX XXXX mortgage, it gets returned to me in XXXX. Took months before I was able to speak to anyone was told that I did not have a mod and they stated that will just return any payments from me ( LOL I have signed docs that I do ) XXXX went on for months scared of losing my house XXXX the un caring people at XXXX XXXX went to see lawyer # XXXX told me to get the following info. Went to lawyer # XXXX he sat on this for two years doing nothing for me but getting me more in debt. Now with lawyer # XXXX still currently with. 
My loan was sold to Fay Servicing, in XXXX. Lawyer # XXXX just wanted to settle, I did not! XXXX I have been threw, damages from XXXX storm could not reach out to XXXX because the state of the house was in foreclosure. As soon as XXXX XXXX from Fay Servicing wanted XXXX told my lawyer I did not have that much I was denied finical help. As of today working with my lawyer, not sure how all this will pan out. 
There are no longer honest people out there. The lawyers, mortgage brokers, and the bank that totally XXXX, sells to Fay Servicing who is in turn is doing the same thing. XXXX XXXX XXXX settles what happens to people like me that has been through XXXX and the ones that have lost their homes big deal they got a check. 
There is so much more to this story, just wanted to make it short.
I have been disputing a  XXXX   XXXX  account on my credit report since   XXXX   XXXX  . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus,  XXXX , Transunion, and  XXXX . I sent out a letter on   XXXX   XXXX   XXXX  .  XXXX   XXXX  signed for the letter on   XXXX   XXXX   XXXX  . I gave the company 30 days to respond with more information on this account. I did not receive a letter until   XXXX   XXXX   XXXX  . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.
Certainly, I got a letter from Solmon and Solmon Pc Debt agency that I owed {$6200.00} to XXXX BANK, I have never heard that name. Letter mentioned that I have XXXX but I have never applied XXXX or had it.
I purchased a car from XXXX XXXX XXXX who got me a loan at the dealership from Santander Consumer USA. XXXX XXXX and Santander both facilitated an unfair, and high rate interest loan to me, and thousands of other buyers according to XXXX XXXX, the Attorney General of Massachusetts. The US Department of Justice is also investigating. Santander along with XXXX XXXX funded my loan without a reasonable basis to believe I could afford it, predicting I would default. Which is how I was able to get approved for a car with no co-signer, at the time poor credit, and making $ XXXX a year before taxes, and walking off the lot owing $ XXXX. Santander knew some dealerships had high default rates due to inaccurate iformation on loan applications, but kept funding the loans anyway. Which is how XXXX XXXX was able to " approve '' me, despite no other bank in the country, not even a buy here pay here deeming me credit worthy. Some of the dealers were even identified as " fraud dealers '' in a class action lawsuit, but continued to fund I have been in contact with Santander numerous times in the past couple years, and they are sticking to their word as they do not settle, and they have done nothing wrong, even though they have settled, and admitted wrong doig, and their CEO stepping down, in the midst of this whole illegal act which caused the 2008 recession. I was picked up from my apartment and taken to XXXX XXXX in XXXX, GA from my place in XXXX, GA, about 20 miles away. With the intention on buying a XXXX XXXX, at a monthly payment of {$250.00}. They even took me to XXXX XXXX, to retrieve the {$2000.00} down payment. When I get there " they just sold the XXXX, '' but there was a XXXX XXXX available for a little cheaper price. Once credit application was switched to the XXXX, they came back and said my monthly payment will be a little higher because of credit. from {$250.00} to {$320.00}. approved with Santander, when no other bank would, because of the collusion that I would default. A the time of signing I was never told that interest would accrue daily, which was on the back of the contract and never went over that. Also in almost four years the purchase price of my car was {$11000.00}, I currently owe {$10000.00}. This because they believed me to default long ago, and if not I would continue to pay them past the 72 months I signed for.
My mortgage is currently serviced by Selene Finance. The prior servicing was handled by XXXX XXXX. This mortgage debt was discharged in a Chapter XXXX Bankruptcy on XXXX XXXX Case # XXXX. Since the discharge date, Selene has promised to re-stablish a new mortgage note, but has never followed through. Selene has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. Selene Finance has also violated the Federal Bankruptcy code by proposing repayment on the discharged debt.

[ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX NC, XXXX Division. 

Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. 

[ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XXXX ). 

[ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX ). 

The mortgage note produced by Selene to prove up the validity of the debt and right to foreclose is fraudulent as well ( exhibit A ). The note is signed by XXXX XXXX at the address XXXX XXXX XXXX, XXXX, IL XXXX. The mortgage note was funded by XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX was shut down by the FBI on XXXX, its majority owner was convicted on 14 counts of securities, bank and wire fraud. Overall, Selene has not proven up standing of ownership and the rights to foreclose. They have pursued foreclosure action and have implemented a foreclosure sale date of XXXX in the past. 

The accounting records that have been provided by Selene are incomplete as well, since the entire payment history is missing from XXXX to XXXX ( exhibit B ). Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined.

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5.

Selene is in clear violation of Federal Bankruptcy Code, RESPA law and IN Code 32-30-10.5. I am  seeking a full refund of all funds paid post Chapter XXXX BK. Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter.
The debt collector name is XXXX XXXX. 

She is a debt collector representing Diversified Consultants. This morning at XXXX there was a call who came in with no company name and had a XXXX number. A family member at home answered woke me up and a woman started talking after I said hello. Gave her company name and possibly hers, not too sure. She didnt confirm if I was The debt holder she just started talking about my debt assuming I was the correct debt holder. She also was almost demanding I put a CC on file to make payments towards a debt I could not afford. I told her 4 maybe 4 times, I had to raise my voice after she got demanding. She got aggressive and said she didnt even know if I was the debt holder because I sound like a woman. I said my name and its me and she then said now you sound like a guy or something in that nature. The fact that she didnt confirm if I was The debt holder and just started talking about my debt makes me feel like my identity with this debt collector isnt safe. Example. What if I was a man transitioning Into a different XXXX XXXX? What if I had a voice malformality that could make me sound like a woman or even worse what if they had called the wrong number and she released my debt information to complete stranger. The problem is the disrespectful, abusive tactics and not verifying who i am is wrong! She put me on hold and said foul things about me because little did she know I could hear! She wanted to hang up on me and not give me her supervisor when I asked. She escalated the situation into it now possibly turning into a legal situation. This is a violation of my rights under the FCRA, FDCPA, FTC and I want a complain filed and the Agency Diversified Consultants, the debt collector XXXX XXXX need to be held responsible. The supervisor I spoke to at the end said she would listen to the recording in order to discipline her but I informed her Im reporting this anyways.
i have been trying since XX/XX/XXXX to have this particular account on my credit report fixed. it has been investigated 6 times since XX/XX/XXXX and Transunion has not corrected any of the information. I called Transunion on XX/XX/XXXX and they told me they are reporting the information that XXXX XXXX XXXX XXXX is providing to them. they are also missing 2 payment entries for XX/XX/XXXX and it is my right under the FCRA to have a complete payment history. they are refusing to provide a complete account history and also refusing to delete it because it is not complete, which I am entitled to under the FCRA, Section 611 ( a ) ( 1 ) ( A ).  Transunion has also been reporting some incorrect information on this file. 
1. the account number is not correct 2. they are missing payment entries from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 3. the last payment received is the wrong amount 4. the pay status is incorrect, this account has been paid and it does not reflect that through transunions reporting of this account
On XXXX XXXX, 2016 XXXX am, XXXX and Bridgecrest Acceptance caused a third party to remove the car I have financed with them from my property even though the account was current and in good standing. The company claims that because my first payment was delinquent, they have the right to repossess. Their claim is that I was in default of the finance contract. However, the formerly delinquent payment had been made on XXXX XXXX, a full week prior, along with any late and transaction fees when the company took the property ( car ) from my possession. 
It should be noted that I had been in contact with Bridgecrest ( XXXX ) with some regularaty as to the reason for the late payment. My view is that the company violated the contract we had and that they violated the law by removing the car from my property. 
Conversations with the redemption department have come to no acceptable resolution. I informed personnel that I would file a civil action against the CEO XXXX XXXX XXXX and president XXXX XXXX in order to have the court review the contract performance by both parties. Again, this suggestion resulted in no favorable outcome for me. The company has not indicated what action they will take next. I am left to assume they will proceed with typical repossession actions. The company stated they would be " unwinding '' the loan but that I would not receive my down payment or subsequent payment ( s ).