WillisBack/dataset-financial-user-claim huggingface dataset:
Please be advised on XXXX XXXX, 2017 Equifax generated a dispute investigation result which holds a negative account with XXXX XXXX on my credit report and I have NEVER held an account with XXXX XXXX. I have called XXXX XXXX twice and it has been verified that I hold no record with XXXX XXXX. There is nothing in XXXX XXXX XXXX file with my social security number nor my name based on the information I received from XXXX XXXX directly. EQUIFAX sent me a file dated XXXX XXXX, 2017 stating that XXXX XXXX " verified this item is being reported correctly. This is my third dispute on this matter. At this point I not only want this removed from my credit report but I I also want to know what punitive damages are available to me and how I can move forward.
Either XXXX XXXX is violating federal law right now by verifying false information. Or EQUIFAX is violating federal law by conducting false investigations and fraudulent reports. I strongly believe that Equifax did not conduct an investigation on the matter at all.
I am also contacting the Attorney General 's office concerning this matter.
My credit report has an identity fraud on it yet my credit is still being pulled. I am currently stationed in XXXX and someone is trying to establish credit in my name fraudulently
I returned a leased vehicle to  XXXX  on  X/XX/XX , before the lease through   XXXX   XXXX   XXXX    matured on  X/X/XX . Dealer reviewed vehicle and did not see any damage, however said a third party reviewed all vehicles upon return and would do so in the next week.   On  X/XX/XX  a check was issued and mailed to my correct address from   XXXX   XXXX   XXXX   for {$530.00} in over payment after satisfactory completion of the lease and return of the vehicle.   I did not receive any further correspondence in regards to the lease from either   XXXX   XXXX   XXXX    or  Toyota Motor Credit Corp  for all of   XXXX  . On  X/XX/XXXX , I received a letter in the mail ( dated  X/XX/XX  ) from   XXXX   XXXX   XXXX   XXXX    ( a debt collector ) w hich said I owe {$1500.00} to  Toyota Motor Credit Corp and said " your leased vehicle was returned and your account balance may consist of one or more of the following charges : unpaid lease charges, mileage and/or wear and use over and   above the allowed by your lease agreement ''.   I contacted both   XXXX   XXXX   XXXX   and  XXXX   XXXX   XXXX  and inquired about the letter and also why I was receiving notification of any supposed issues 13 months after the vehicle was returned with no communication in the interim other than the refund check I received from   XXXX   XXXX   XXXX   for satisfactory completion of the lease. A   XXXX   XXXX   XXXX   representative said additional correspondence was mailed - however they notice it was mailed to another address in a different state. The representative also said now that the matter was with a debt collector they will not provide that correspondence and I must work with the debt collector.   I contacted  XXXX   XXXX   XXXX  and their representative was just extremely rude, said they just received the file, do not have any of the correspondence, but the debt is mine and demanded payment and that I tell them how I will pay.   Very frustrated with both organizations. I was issued a refund check, received no correspondence for over a year, and now am being told I owe {$1500.00}. I also know for a fact there was nothing wrong with the vehicle when I returned it and the milage was well below the amount allowed under the lease terms.
I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on SundayXX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on.

the company is as follows : XXXX XXXX, DE XXXX  ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company.

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible
To Whom It May Concern, On XX/XX/XXXX, we received a letter from Specialized Loan Servicing, hereinafter referred to as SLS, that they were taking over the mortgage servicing of our consumer credit transaction. At the time we received that letter, our consumer credit transaction ( debt obligation ) was in default and contractually due for the XX/XX/XXXX payment. At that time, SLS did not have a legal and valid assignment to it prior to attempting to collect on our debt obligation in violation of California Fair Debt Collection Practices Act, hereinafter referred to as the Rosenthal Act, California Code of Civil Procedure, section 1788.13 ( l ). The chain of title leading up to who SLS says is the beneficiary of our debt obligation is flawed and void. We adamantly dispute the assignments that have been recorded in the county recorder 's office. Unaware of SLS violations under the Rosenthal Act at that time, we made attempts to secure a suitable loan modification agreement and we resumed making payments. After years of trying to secure a suitable permanent loan modification agreement, SLS denied us and we once again stopped making payments in XX/XX/XXXX. We have been recently made aware that SLS is not our creditor nor are they representing an entity that is our creditor. SLS is attempting to collect on a debt without the legal right or ability to do so in violation of the Rosenthal Act, California Civil Code section 1788.17. In their illegal collection attempts, SLS has filed a Notice of Default and a Notice of Trustee 's Sale due to non-payment on the debt obligation. The filing of these foreclosure documents are in itself a violation of the Rosenthal Act, California Civil Code section 1788.13 ( j ). SLS has misrepresented to us the status of the debt, the ownership of the debt, the amount of the debt, they are attempting to collect illegal fees and costs not authorized by the law or the contract, they have misrepresented amounts owed to the escrow account, they have assessed illegal foreclosure fees, and they have repeatedly threatened to foreclose on our property if payment is not made. Only creditors and/or their authorized agents may commence and complete a foreclosure in California. These are all violations under the Rosenthal Act, California Civil Code section 1788.13 and 1788.17. We have taken this matter up with the judicial system, however, Defendants are trying to disregard this matter judicially and so far they are getting away with it. We are filing this complaint in an effort to use all resources available to us as we continue the matter in the judicial system. SLS is blatantly disregarding federal and state laws and they should be held accountable for their actions. Their conduct is unlawful, unfair and deceptive.
I contacted Citibank regarding my credit card today, XX/XX/2018 to resolve a payment issue. 

The customer service representative told me that he noticed I had not used my card in quite some time, and that I would need to use it or they would have to close my account. I explained that I have had numerous payment issues and disputes, and that because it is so difficult to make my payments from XXXX ( where I now live ), that I would not be using my card. He again stated that he was encouraging me to do so to prevent the card from being closed. I stated that I felt he was being dishonest, and told him that I did not believe it was true that my account would be closed if I did not use the card. When he did not respond at all, I then asked if it was true. He quickly changed the subject and refused to return to a discussion about his earlier statement. I let him know that it is highly unethical to pressure someone into using their credit card when all they want to do is pay it off, and asked if he felt that was ethical. He refused to answer the question, and again changed the subject and avoided the topic. 

I am highly concerned about practices like this. I have a high balance that I have been paying double the required payment on for quite some time. It is obvious that I am working hard to pay off my balance. Pressuring me to add to that balance, and lying in order to try to convince me, is highly unethical.
I reached out to Experian about someone elses name appearing on my credit along with that persons collection account was told it was a records error call back in 3 days. 2 weeks later no resolution..
Hello, I 'm writing a second letter regarding the unfair and poor business practices of Nationstar Mortgage. I sent my 1st complaint on XXXX/XXXX/15, and Nationstar responded with a XXXX page letter stating that everything I said was incorrect. I disputed their letter with more documents and called the XXXX phone # s they listed in the letter. XXXX were customer service lines, but in the letter it stated that " If you have any questions regarding this correspondence, please contact me directly. '' I called this person 's direct line and the customer service representative who answered did n't know who that person was, and could not find his extension. I emailed this Customer Relations Specialist on XXXX/XXXX/15 and XXXX/XXXX/15, but no response. I then emailed the gentleman listed in the letter as my " Dedicated Loan Specialist '', because his " Direct Number '' went to customer service line also. Within a few minutes I received an automated email response that said to call the same customer service # listed on the previous response letter. I replied 10 minutes later with my direct phone # and hours available to reach me. I said I expected his call today, because the letter stated that he was my " single point of contact ''. 
This is a ridiculous game that Nationstar plays with their borrowers, and is the lowest level of service. Borrowers expect and deserve to speak and email with real people from their lender, not just to call in to a call center with people only trained to take notes and put in the electronic file, and when the next level of " service providers '' open the file and send out a form letter by snail mail, which will arrive in 10 days or so. The letter will politely say " At Nationstar, customer concerns are important to us. " I just received the form letter dated XXXX/XXXX/15 on XXXX/XXXX/15, stating that they were reviewing my complaint from the XXXX/XXXX/15 letter. 3 Weeks to send me that letter when they emailed their response through CFPB on XXXX/XXXX/15, and I have emailed 3 reply letters since that time, with only an automated email response to call the toll-free # of customer service. 
I would like the CFPB to intercede and require Nationstar Mortgage to communicate with a reliable contact phone #, and one person assigned to service my account.
Paypal authorized a fraudulent transfer from my bank to someone else 's paypal account. Paypal flagged it as fraudulent, and told me to have my bank refuse the charge. My bank did so. Now Paypal has set my account in a negative balance until they receive a refund. I can not close my account until the balance is closed, even though the original charge was fraudulent, and I so not owe paypal money. 

They are holding me responsible for the fraudulent charges.
On XX/XX/2018 I sent a certified debt validation letter to Portfolio Recovery because there is a debt on my credit reports that this company has said it belongs to me. They have not sent me any validation of this debt and it has been well past the 30 days to validate.
On XXXX XXXX, 2017 XXXX XXXX added a collection of {$1100.00} dollars to my credit file per XXXX XXXX. I have previously tried disputing this accused debt due to them not having a contract. The account was removed, but shortly added back to my file. This happened without the five day WRITTEN notice, therefore XXXX XXXX was in violation. They are supposed to notify via written document that this was to go back on my credit file. They failed to do so, and could have to pay a violation fine of {$1000.00}.
CAPITAL ONE ONCE AGAIN FAILED TO REVERSE ALL FRAUDULENT DISPUTES AND KEEPS CHARGING LATE FEES AND OVER LIMIT FEES.
Our primary mortgage holder, First Republic Bank did not escrow our property taxes, they were our responsibility to pay. In XX/XX/XXXX, our property taxes were in arrears and First Republic paid the taxes that were due plus all current property taxes that were due. Now they decided to collect escrow for future taxes and also they wanted to be paid back within a year for the taxes they paid that were in arrears. Our mortgage payment went from {$1400.00} per month to {$3400.00} per month. Starting XX/XX/XXXX, the new amount was due and I paid XXXX, XXXX, XXXX and XXXX. After the XXXX payment I contacted the bank and to notify them of our situation. I stated that the new payment amount was unaffordable for us. I requested to have First Republic Bank modify the loan to make it more affordable for us, and their proposal dated XX/XX/XXXX was to collect interest only from XX/XX/XXXX and to list our home for sale on XX/XX/XXXX and all proceeds must be paid back by XX/XX/XXXX and the house should be sold by then as well. We declined this proposal and continued to ask for a more affordable approach to keep our home. We feel that First Republic Bank did not look at our situation after we submitted our income and expenses again with an accurate picture as to what we could afford. Their solution was to have us resume the new monthly payment of {$3400.00}, which we still can not afford. The Manager of Special Assets, in a phone conversation with myself stated that we can not afford our home, so we should sell it. After much back and forth, First Republic Bank is refusing, we feel, to make any attempt to give us an opportunity to remedy our situation.
Could you please help me, 1- I had a mortgage loan with XXXX XXXX which was paid in full after refinancing on XX/XX/2016. ( Loan Number XXXX ( Property Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ). 

2-Upon reviewing the 3 credit bureaus I found the home loan to be listed as late on XX/XX/2016. 

3- I have contacted the Customer Care Department at least 4 times but XXXX XXXX   keeps giving me the same Letter indicating the loan was reported paid off and due for XX/XX/2016 the 3 credit bureaus need to resolve the discrepancy accordingly. I do not know what action to take any longer. I even asked for XXXX XXXX upper management for help ( XXXX XXXX XXXX XXXX ). Please see the XXXX XXXX letter below.
XX/XX/XXXX My complaint is that my lender has not provided me with a complete monthly statement since taking over my loan. 

XXXX XXXX was my original lender. in XX/XX/XXXX, the company XXXX XXXX  purchased XXXX XXXX. When the new lender took over I stopped receiving monthly statements with details like ending balance and how much of my payment went to primary loan and how much of it went to interest. We are now at the end of XX/XX/XXXX and XXXX still ca n't print the information on my monthly bill note.
I am a 3rd party negotiator working on a short sale. I have submitted all requested documents and I have pursued responses from the servicer so that I present any deficient documents and keep the process advancing. This file has gone to 'to underwriting review ' five times. I want a complete and thorough review of the file so that the required valuation and ATP can be arranged as required by FHA/PFS guidelines.
On XX/XX/2017, I transferred XXXX Membership Rewards points into my XXXX XXXX account ( transfer partner of American Express ). I tried to book a ticket using these miles for myself that night and received an error message. I tried again later that night and received the same error message. I was then locked out of my XXXX XXXX account the following day. I contacted XXXX XXXX and received a response that my account was locked due to inconsistent activity. None of my activities were out of the ordinary and from doing some quick research, it seems that XXXX XXXX has been specifically targeting and locking accounts with membership rewards being transferred in. At this point, I can not get in contact with XXXX XXXX customer service as the only avenue of communication I have is an email address they provided me for account audit communication, which is unresponsive. I spoke with American Express customer service and they refuse to reverse or refund the transaction. American Express should be liable as this same issue is ongoing yet there is still no resolution from American Express regarding the abuse by the XXXX XXXX program. At this point, I am locked out of access to my XXXX XXXX XXXX points ( Equivalent to at least {$1000.00} USD ).
I continue to receive letters from a Debt collection Law firm called Hunt & Henriques, Attorneys at Law, which I have disputed and written several letters to indicating that this debt does not belong to me. I was never served.I notified them that this was fraudulent and was illegal to collect monies from me on a debt that does not belong to me. This debt appears to be more than10 years ago and even the statutes of limitations to collect had ran out, and I have just received a renewal of judgement dated XX/XX/XXXX. Hunt & Henriques have renewed a judgement that has been more than 10 years ago and served me with this new judgement on XX/XX/XXXX. I had previously filed a complaint with the CFPB about this law firm and their illegal tactics and deliberate violations of all applicable laws that applies to the FCRA and the FDCPA. with the CFPB and nothing came of it. This Law firm has a track record of harassing and aggressively collecting and suing innocent consumers and they need to be investigated for violating consumer protection laws and statutes. I am a medically retired XXXX  XXXX with the inability to settle such a debt even if the debt was mine. To have twice filed an illegal judgement against me is very debilitating to me and my general welfare, particularly my health. Please I am pleading with CFPB to open an investigation into Hunt & Henriques, Attorneys at Law.
In XX/XX/XXXX I received papers stating I was being sued for not paying the mortgage on my property. I called my lawyer, XXXX XXXX XXXX, who agreed to meet with me at a XXXX  Gas Station to retrieve the papers. XXXX XXXX XXXX took the papers from me without a discussion of price and assured me that he would appeal the case. XXXX XXXX told me not to worry. There was a court date scheduled for XXXX that was canceled for a reason unbeknownst to myself. Instead, in XX/XX/XXXX XXXX XXXX and his associate approached my wife and I with non-disclosure agreements that we both chose not to sign. From XX/XX/XXXX-XX/XX/XXXX, I heard nothing form the lawyer until my wife and I received two subpoenas to appear in court on XX/XX/XXXX to settle {$70000.00} accrued in attorney fees from the case. Confused and obedient, my wife and I attended court on XX/XX/XXXX. XXXX XXXX never spoke with us about what was occurring leaving my wife and I uneducated and underrepresented. During court I told the attorney I did not have any idea of the agreement and did not understand what was happening. During the hearing, I heard the bank and lawyer conversing and alluding to where the check would be sent and in whose name it would be in. I am concerned that I was underrepresented and taken advantage of throughout the course of the case. My lawyers failure to be ethical and transparent has damaged my livelihood and contributes to my on-going XXXX XXXX and medical conditions of which I have been hospitalized multiple times throughout the tenure of this case.
XXXX has been non-compliant with removing the unverified account XXXX which has been deleted by XXXX   and XXXX . XXXX and XXXX have both completed their research and determined that XXXX   was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I graduated with my XXXX in XXXX. Because of the rigorous nature of the program, I had to take out loans both for tuition, but also for medical supplies and living costs. Because of this my debt is now over $ XXXX. I am on the XXXX plan and because of my low first-year salary as a resident ( $ XXXX ) my current payments are {$0.00}. However, given the nature of the XXXX plan, I will have to pay taxes on the remaining balance, which means I will have to make a monthly payment plus put a certain amount of money away each month in order to pay that tax burden in XXXX. This amounts to {$1200.00} a month for the next 20 years. When I get my raise next year for my second year of residency ( $ XXXX ), this amounts to 24 % of my income which is not ideal nor sustainable. My repayment plan is as ideal as it can get for my situation ; refinancing is not an option because I need the reassurance that I will only have to pay a fixed amount of my income should my financial situation change drastically for any reason. My school is not doing due diligence to lower tuition and other costs to assure that students are able to pay back loans and succeed in their field.
XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
This complaint is regarding the accounts XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX After sending dispute letters to Experian, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me