WillisBack/dataset-financial-user-claim huggingface dataset:
THIS IS AN ONGOING COMPLAINT!!! 
A collection/debt appeared on my Experian Credit report, XXXX XXXX XXXX it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
TODAY I RECEIVED A SIMPLE RESULT LETTER STATING THAT THE INFORMATION HAD BEEN UPDATED, BUT NO COPIES OF THE DOCUMENTS THAT EXPERIAN HAS IN MY FILE HAVE BEEN SENT TO ME PER Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.
SO ASKING CFPB TO PLEASE ENFORCE THE LAW AND HAVE EXPERIAN REMOVE THIS FROM MY ACCOUNT IMMEDIATELY AS THEY ARE IN VIOLATION OF SAID LAW. ****THERE IS NO CONTRACT FOR THIS ALLEGED ACCOUNT/DEBT BETWEEN XXXX XXXX AND MYSELF*** I HAVE ATTACHED THE RESULTS PAGES, AND AS YOU CAN SEE EXPERIAN HAS FAILED TO INCLUDE ANY DOCUMENTATION THAT EXPERIAN HAS IN THEIR POSSESSION,, I HAVE REQUESTED TO BE SENT COPIES OF DOCUMENTATION THAT EXPERIAN HAS IN THEIR FILES TO SHOW ANY ALLEGED CONTRACT THAT IS ALLEGEDLY BETWEEN XXXX XXXX AND MYSELF. EXPERIAN OR ANYONE ELSE CAN NOT SHOW THIS, BECAUSE THERE IS CON EXISTING CONTRACT AND THERE HAS NEVER BEEN SAID CONTRACT. SO I ASKED, HOW DID EXPERIAN VERIFY THIS INFORMATION AND HOW DOES THIS ALLEGEDLY VERIFIED INFORMATION MEET THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT IF IN FACT THERE IS NO CONTRACT AND/OR DOCUMENTATION TO SUPPORT THIS FALSIFIED CLAIM. IT HAS BEEN WELL PAST 30 DAYS FROM MY ORIGINAL REQUEST FOR EXPERIAN TO PRODUCE COPIES IN THEIR DIRECT POSSESSION TO SUPPORT THE " VERIFIED '' CLAIM, YET NO SUCH COPIES AND/OR DOCUMENTS HAVE BEEN SENT TO ME OR CFPB OR THE BBB.
The high balance amount on my auto loan has only been deducted by only {$1000.00} in the course of XXXX. My monthly payments are {$260.00} ; strangely enough, my balance has been fluctuating from month to month. I 've requested several times for the American Credit Acceptance to send me information/ documentation of the said balance on the auto loan and how my payments were applied to my auto loan of the course of the full loan. This company has failed to mail documentation after the XXXX of requesting.
On XXXX XXXX 2016, I received a letter date XXXX XXXX 2016 from Ocwen Loan Servicing. This letter reflects a pay off quote valid through XXXX/XXXX/2016. 
First, I did not request a pay off quote from Ocwen Loan Servicing. 
Second, this pay off quote show a principal balance of {$140000.00}, interest - {$220.00}, satisfaction cost {$42.00}, payoff fee {$30.00} and a deferred principal balance of {$110000.00}. 
Now, what is a satisfaction cost and a payoff fee? Why are we getting charged for these fees when I did not request a payoff quote? It appears that Ocwen is charging us un-necessary fees! Is Ocwen Loan Servicing trying to harass us because of the numerous complaints that we filed against them? Is Ocwen trying to force my hand to take Ocwen Loan Servicing to court? I request that these fees not be added to our loan. We are not planning to pay off this loan or sell our home. We are continuing our investigation into mortgage fraud, robo-signing to name a few. This complaint IS NOT about mortgage fraud nor robo-signing so do NOT address this issue. Ocwen must address this complaint only and not address anything else. If Ocwen address anything else that is not related to this complaint, it will XXXX even more and more complaints will be filed against Ocwen!
On XX/XX/XXXX, the buyer that I sold XXXX XXXX XXXX to said that there was a claim on the transaction he did with me. He explained that he was not trying to get his money back from me, but he had his identity stolen after the transaction done with me. The total for the item was {$55.00} USD. I received a letter from American Coradius International LLC on XX/XX/XXXX saying that I have a debt to pay for a total of {$71.00}, which makes no sense seeming that the total for the product was {$55.00}. I have called XXXX and ACI and were both telling me that I had to pay for this unlawful debt, which I believe I should not. Seeming that I do not have my own product back in my hand, I will ultimately lose money in this action.
On XX/XX/2018, I discovered someone had been trying to use my credit to purchase homes and cars. I found an excessive number of inquiries on my credit report that do not belong to me. I filed an identity theft report with FTC on XX/XX/2018. I reported the fraud to all three agencies. XXXX  and XXXX removed the fraudulent items immediately. However, Transunion refuses to do so. They claim I have to call each creditor on the report and get a letter from them to remove the inquiry. Since I didn't request credit from these companies, I have no way to contact them. I tried looking them up but the only name on the report is abbreviated like XXXX XXXX XXXX. There's no company I can find called XXXX XXXX XXXX. How does Transunion expect me to contact a company of which I am not aware nor can I find on the internet? I thought the credit reporting act to protect me from issues like this. 

I have contacted Transunion several times regarding this matter and they refuse to remove the fraudulent items which is dramatically lowering my credit score. My XXXX  score jumped to XXXX when the items were removed and my Transunion score is still only at XXXX. It is hurting my ability to prosper and move forward in my life. I come from a long line of military men going back to the XXXX through my dad who was a XXXX. Please help me ... I don't know what to do/how to move forward.
IN XXXX of XXXX I sent a letter to ERC ( Enhanced Recovery Company DBA ERC/ Enhanced Resource Centers ) requesting a validation of debt reported on my credit report. ERC responded by sending me a unofficial history of payments from an account dated XXXX. There was no payment history sent from the original debtor, XXXX, nor was there any signed original contract to render services as I had initially requested. Further the dates showing services used by XXXX were dates in XXXX when I DID NOT have XXXX as a service provider. 

Furthermore, the corresponding letter indicates a " link '' to a Customer Service agreement which DOES NOT show my original signature. 

The information I requested from this creditor was NOT sent and now I am demanding this account be removed from all three credit bureau reports. Clearly they are not able to provide the information to verify this debt.
I have been receiving emails from XXXX XXXX about my credit being ran and denied. I have not given this company nor any third party it works with to run my credit. I have called and emailed them and continue to receive 3-5 emails daily from them about my credit being ran. Latest was a senior manager XXXX XXXX. Emails consistently have Clarity service on them. Contact was made and to no aveil nothing has been done to stop it.
Did not receive any notification from Stellar Recovery about a debt collection that suddenly appeared on my credit report. I have no idea what it is for, I have been provided no opportunity to dispute or satisfy any debt collection action prior to it simply showing up on my credit report that I monitor constantly. I have been building my credit steadily over the past few years and this wiped almost XXXX points off of the estimated score, which directly affects my ability to pursue financing for my small business and personal necessities.
Over a year ago, I spoke with Ombudsman with XXXX. 
XXXX, I was told to apply for a Loan Discharg : False Certification because I never received employment for the education I received Loans for. In XXXX of 2015, I sent my Application of Loan Discharge to my Loan Provider, American Education Services ( AES ). For the past year, AES Has reported to me they have " lost my application, '', Admitted " my information has sat on their desk for months, '' not responded in a timely manner-then informing me I had to submit a new application " because the old XXXX expired. '' I am on my fourth application and I still have no acceptance of my Loan Discharge from AES, and interest on loans is accumalating. I want to receive my Loan Discharge Please advise. My phone number is XXXX. 
Respectfully, XXXX XXXX XXXX
On XX/XX/2017 see the attached letter was sent to this company with a check stating that endorsement of this check constitutes payment in full and deletion of account immediately. Check cleared my account on XX/XX/2017. ( see attached document ). I am requesting this be removed immediately from my credit profile or legal action will be taken. Please ref to # XXXX CFPB
I sent a wire on XXXX XXXX, 2015 to Green Tree Serving LLC, in the amount of {$530.00}, to payoff balance. My XXXX payment of {$150.00} was debited from the account on XXXX XXXX, 2015. I received a reimbursement dated XXXX XXXX, 2015 and I deposited the check into my saving account, on XXXX XXXX, 2015. They placed a stop payment on the check XXXX XXXX, 2015. I have been calling for almost a year to get my refund.
Loan Care acquired the servicing on my loan in XX/XX/XXXX. To date, I have been unable to access my account online to set up monthly auto pays. I have called several times only to be told the website is down. I have had to complain vigorously for them to take a phone payment from me AND ALSO waive their phone payment fee of {$15.00} and the fee for paying after the 4th business day after the XXXX of the month. Tonight, When calling again to inquire about their website issues, I was told the site is not down but that Loan Care 's site is not compatible with APPLE/Safari. Nowhere on their statements or web site does it give this warning. I am again after the 4th business day and have had to argue about their attempt to charge me to process on-line and auto draft payments from my savings account. Their fees escalate even higher on the XXXX day. This is a de facto late charge being assessed and does not agree with my note which states payments due on the XXXX and can not be considered late until after the XXXX. I have never been charged by a mortgage servicer for a payment process that is lower in cost and more efficient than mailing checks which is apparently what they want me to do to avoid their inappropriate late fee assessment. I respectfully request CFPB to instruct the servicer they can not charge me fees for " on time '' payments. The web site issue is another sneaky way for them to catch an unwitting consumer in their process which all seems designed to funnel borrowers into paying additional fees to make on time payments, probably to make up for lost float on payments coming in after the XXXX of the month. That 's probably why they increase after the XXXX day but still before the XXXX day when a late charge is legitimate and permissible per the note ). This is the worst mortgage loan servicer I have encountered in over 30 years and multiple mortgages! Check the online complaint logs ... they are horrible, broadly speaking!
I 'm filing this complaint because Experian has ignored my request to provided 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 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank You.
whom it may concern, I mailed several letters of dispute last one being certified on XXXX XXXX XXXX in regards how XXXX XXXX is reported on my credit report. Once again within a few days it comes back as verified. XXXX is reportinb me to be anywhere from XXXX to XXXX says late and being over XXXX behind. They only purchased my mortgage in XXXX from another servicer. In XXXX I obtained a government modification which at that time my acct was at a XXXX past due and my new payment became XXXX a month. It does not add up. I am given the run around when it comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of 1681 ( a ) ( 4 ). Under section 611 ( 5 ) ( A ) of the FCRA it states the CBA is required to promptly DELETE all information which can not be verified.
I have been dealing with navient for almost two years and they are the worst when it comes to customer service. No one there I have spoken to have ever been on the same page and ca n't ever tell me what I owe exactly. I have tried to get them to work with me in lowering my payments but instead I was told I would have to pay the amount I 'm paying. I was approved in XXXX to defer my payments till XXXX and I still got collections letters in the mail from navient.
I have received several phone calls about a debt that I owe to Macy 's. 
They call several, like XXXX or XXXX times a day. When I answer the phone sometimes they just hang up on me. I have been talking to them within the last 7 days and I asked them to not contact me anymore regarding this debt for at least 30 days. Because in the state of Ohio a debt collector can only contact you once every 30 days, when asked by a consumer. Within the last seven days I asked to not be contacted regarding this debt For at least 30 days. Today, XXXX XXXX, 2014 I have received at least XXXX phone calls, which XXXX of them I have answered and the other XXXX i missed. They are calling from phone number XXXX. Is there anything that I can do to stop the harassment? i have been notified about my bill and when it is due which is XXXX XXXX, 2014. I do n't really think that there is a need to call someone 4 times in XXXX day. The day is not over yet so I am sure that I will receive another phone call or XXXX by the XXXX deadline this evening.
XXXX is on my Transunion report unauthorized use of name and account unknown I want verification of debt and I want original proof provided
We Never received a copy of the appraisal report. The appraisal was done XXXX. The XXXX time he used the wrong comparables. The XXXX time he purposely drove the value down because he was angry for having to come back a XXXX time. Little to no communication from the lender regarding the overall loan. No one explained any of the closing docs. A notary came to the house for signature and tried to explain however he was just the notary and not a licensed professional. He seemed uncomfortable answering questions. Very unprofessional process.
This complaint is regarding FedLoan Servicing, a student loan servicer that the federal government - unbelievably - sells their student loans to. I completed a year of service as an XXXX XXXX and received an education stipend in the amount of {$5700.00}. I submitted a request for FedLoan Servicing to accept this award through the XXXX login portal on XXXX XXXX, 2017. Today is XXXX XXXX, 2017. I called FedLoan Servicing and they dodged the question/did n't seem to know what was going on and gave me a quote of a 30 day turnaround time. I then called the XXXX XXXX XXXX Award hotline, and they informed me that since my loan was " Pending Institution Action, '' it is literally just sitting in the work basket of someone over at FedLoan Servicing waiting to be approved ( a process they informed me should only take a matter of days ). The XXXX hotline also informed me that they have notes in their system that FedLoan Servicing is the least cooperative loan servicer that they deal with. So I called FedLoan servicing AGAIN, took the advice of the XXXX hotline and asked to speak with an XXXX  administrator - they basically were like no, and again did n't really know what I was talking about when I mentioned my pending education award. They again gave me a turnaround time or 30 days - but instead of 30 days from XXXX XXXX, 2017, they said 30 days from XXXX XXXX, 2017. At this point, I can not believe that the federal government sells student loans to such a predatory organization. The longer that they choose to take " processing '' this award ( aka hitting the accept button in an online forum ) the more interest I accumulate. I imagine if they do this to every single XXXX Alum they deal with, it probably earns them a decent sum of cash from 1-2 months of interest accumulation. It 's disgusting. I 've heard similar horror stories of this kind both online and from people I know in real life.
Around on or a bout   XX/XX/XXXX , I received a phone call from a collection representative by   XXXX   XXXX  , he advised me he was calling from FCO - Fair Collections & Outsourcing Inc. about a debt with  XXXX  (  XXXX  )   XXXX   XXXX  . I advised him that I never lived at the residence he was speaking about and stated that this was fraud. After the call, I checked my credit report only to see that a judgment had been entered against me on XX/XX/XXXX  in the amount of {$2300.00}, in  XXXX  District Court. I called back immediately, and spoke with another representative, in which, I provided him with this information as well as the reference number   XXXX   XXXX  . A few days ago, I received a credit alert upon checking, it shows that this company has put this on my credit report with the dollar amount of {$4000.00} and the account was supposedly, opened on  XX/XX/XXXX .
I called again on XX/XX/XXXX , and spoke with   XXXX   XXXX    again, once again, I provided him with the same information and asked him why they put this on my credit report and the amount and opening date of this account is wrong. I asked him how can you put an account on a person credit report with wrong information. He said that I need to fill out some paperwork and I did n't so therefore, they had the right to do so. The paperwork is about fraud because, I told him that this account was n't mines. I am still trying to get this matter straightened out. However, I want them to remove this account from my credit report since, it is already showing the account has a judgment. I want to know how, they can change the amount from the judgment entered by the same company. Please investigate this company!
Santander Consumer USA has a statement and a collection department that do not agree. They will not send me a statement by mail to reconcile. They have threatened to repossess the car. I may have to file bankruptcy. The won't fox the XXXX XXXX  or repair the recall to make the car run correctly. It is still under warranty XXXX XXXX  XXXX in XXXX, TN sold me this car and it still isn't running right. They make treats and say they will repossess it. Their online computer does not agree with my payment records at all. I have lost jobs and left it in XXXX XXXX dealership for 12 days And it isn't correct yet XXXX XXXX
I bought a car inXX/XX/XXXX I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash inXX/XX/XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XX/XX/XXXXor XX/XX/XXXX ) I checked my XXXXredit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
I XXXX XXXX. would like to make a complain against F C I lender Services Inc.. for not allowing me a loan modification on my mortgage i am asking this company to give me a loan modification, so i hired attorney to get my loan modification, which is money i do not have to give, and i need, to get my loan modification, i need your help your help as soon as possible please, i have a sale date for XX/XX/2016.
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention to AFNI : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or  transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for  collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX