WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX SS # XXXX Dob XX/XX/XXXX Transunion will not remove the unauthorized inquires from my credit report. It has been over 60 days and they have ignored my request to prove that the inquires were authorized by me. I sent them a certified letter with return receipt dated XX/XX/XXXX to remove the unauthorized inquires and it has not been done. this is hurting my good credit!!!!!! see copy of certified receipt attached and see list of unauthorized inquires below. I DEMAND THAT TRANS UNION REMOVE ALL UNAUTHORIZED INQUIRES FROM MY REPORT!!!!!! XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX
I have borrowed a very very small loan of {$250.00} from a company called inbox loan. On XX/XX/XXXX they have took {$48.00} out of account. The week following XX/XX/XXXX they took out {$37.00} out of account. For the next 3 months I have been charged every Friday {$37.00} till this day. After gettin off the phone with a cosumer rep from inbox loan on XX/XX/XXXX I was told I have signed the right to pay back this very very small loan of {$250.00} for one year. So by XX/XX/XXXX I would be paying back {$1900.00} to this company when I have only borrowed a very very very small amount of {$250.00}.
On XXXX XXXX, 2015 I reached out to my Congressman. I am currently XXXX, unable to work, and has a XXXX year old daughter. I am under tremendous stress, and receiving XXXX for my illnesses. As a result he was unable to keep up with my mortgage, and my home entered into foreclosure. I needed assistance to postpone a trustee sale on my family 's home. I have been working with a HUD housing counselor, gathering the necessary documents he needed to apply for XXXX ( XXXX ), XXXX program. The request was made to Bayview Loan Servicing for an extension, in order to give me enough time to submit the required documents, submit my application, and receive a tentative approval from XXXX. 
On XXXX XXXX, 2015 after sending a request to Bayview Loan Servicing to give XXXX XXXX more time, the Congressman 's office received a response concerning the case. The response stated a new sale date of XXXX XXXX, 2015. 
However on XXXX XXXX, 2015 I was notified his home was sold on XXXX XXXX, 2015. That same day my Congressman 's office spoke to XXXX XXXX of Bayview Servicing and confirmed that the home sold. A supervisor had agreed to contact their office that day but that has yet to happen.
I began aggressively disputing the below accounts in  XX/XX/XXXX , I however have been disputing the accounts since  XX/XX/XXXX  when they first appeared and was reporting positively because they are not my accounts.  <P/>  1 )    XXXX   XXXX  / XXXX   XXXX   2 )   XXXX   XXXX  My initial dispute online was I had no knowledge of the accounts. I had  one   XXXX  account that is closed and positive and no knowledge of  XXXX  at all.  <P/> In response the credit bureaus  1 ) told me the debt was valid, 2 ) reported it as fraud 3 ) there 's another account with similar information as mine and asked me to send in identify evidence which I did.   <P/> Because of their response, and due to my confusion as to how you can say its valid and fraud and say I  may have   XXXX  reports, I then sent  TWO letter  s (  XX/XX/XXXX  a nd  XX/XX/XXXX   ) as king for validation for the debt since they were stating it was a verified not validated debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath.  <P/> Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information.  <P/> Inaccurate reporting is occurring because   : 1 ). They claimed it is a fraud account but also said they were able to validate it.
2 ) The bureau claimed to have investigated the validity   of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Hello, The Borrower has been approved for a short sale which was scheduled to close on  XXXX . During a review of the preliminary title report, there were liens on the property which the Borrower believed to have been dismissed in a bankruptcy which the Borrower filed in   XXXX  .  <P/> Upon further investigation, even though the money owned on the liens were in fact dismissed by the Court, since the liens had been filed prior to the  Borrower 's bankruptcy, the liens remained on title. Thus, the Borrower was not able to produce a c lean title and consummate the close of escrow by  XXXX .  <P/> In order for the Borrower 's to produce a clean title, they hired an attorney to re-open their bankruptcy case and file a Motion to Remove the Liens. The Court granted the motions on  XXXX  ; however, the Bankruptcy was only closed on  XXXX . During the period of the Bankruptcy, the Buyer 's lender was not able to process his loan because the property was still under Bankruptcy protection. Thus, the Buyer 's lender asked for an extension to  XXXX  in order to allow them adequate time to process th e Buyer 's loan. The lender has scheduled a Trustee Sale  on  XXXX  ; however, they declined the Borrower 's request for the extension.  <P/> My broker, escrow, title,  the Buyer 's lender, the HOA have al l put our best efforts to close as scheduled ; however, there have been unpredictable circumstances beyond our control that have preventing us from doing so. The parties have actied in good faith and the delay in closing in not a result of any willful neglect or negligence.  <P/> Thus, the Borrower hereby requests that his request for extension be granted so that he can conclude the short sale. Considering all the facts that have prevented him from closing sooner, we are confident that we can close the transaction before the sale date of  XXXX .
I received a collections notice from Credit Protection Association regarding a XXXX XXXX debt. Originally, after changing banking information with XXXX XXXX, I received a {$25.00} fee, which I disputed. After speaking with " Billing '' in Customer Service at XXXX, I was told the fee would be taken away if I continued service, in which I did not wish to do. I was then told I would be sent a " Final Bill, '' which included about 2 months of service and the {$25.00} fee for a total of around {$86.00}. I then wrote a letter to Customer Care at XXXX XXXX XXXX in XXXX XXXX, CA and sent a {$43.00} money order for the last month of service I had told them I would pay. On XXXX XXXX, I received a collections notice from the named collection agency regarding an attempt to collect {$42.00} of the remaining debt to XXXX XXXX.
Bank of America, Your company has been falsely reportin g   XXXX    acco unts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning  XXXX  years old. As of   XX/XX/17 ,  Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my   XXXX   and   XXXX   report. These accounts are under a different name, with my  SSN,  opened years before I had turned  XXXX . BOA seems to have noticed the inaccuracies since they were deleted off  XXXX  CRA 's, but  XXXX  is still reporting. I disputed  the Line of Equity a nd Mortgage that remain on my  XXXX  credit file on   X/XX/17     only to be contacted by  BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to  XXXX  only.  XXXX  advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.
XXXX XXXX popped back on my credit report without sending me any notifications in the mail. They also failed to report to the credit bureau within 30 days of my dispute from their previous reporting. By federal law they are required to place a " notice of dispute " on my account within 30 days of my dispute. In which I send certified # XXXX. In which was signed on XXXX XXXX,2017. I  have retained a copy of the date and receipt as well as a time-stamped copy of my credit reports, showing a violation of the Fair Credit Reporting Act section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the 30 day period.
The complaint is against XXXX XXXX XXXX. They take interest out of extra principal applied each month. I called in to correct it and was told that customers have to call in to correct it each time. My question to them was why should a customer have to call you each time? 2nd- what if I never called you? I want to know if a customer never calls you about extra money sent for principal- what happens to the interest you deducted? Does Kia keep it if I never call you? I think their current system promotes loan fraud and should be investigated. I contacted them XXXX18 and they could not answer my questions. They did say they would correct my payments, but I have not seen that applied. I need to know what the ETA is.
To whom it  may concern at Navient 's Office of the  Customer Advocate, I would like to complain about what I believe is a misleading and predatory practice.     I was able to resolve this issue for myself but I would like to go on record with my objection to it.     I have  XXXX  student loan through Navient from classes taken a few years ago which I make monthly autopayments on.     Yesterday I paid for classes at my new  XXXX  's program via the University 's web portal with NO intention of deferring my current loans or stopping my autopay function.     Today I received an email from Navient announcing, " Congratulations, your request for deferment has been approved! Please log in to your account for more detailed information about your deferment. '' I did NOT make a request for deferment. I found this email alarming and assumed someone had broken into my account.     On my account homepage, I found out my autopay feature had been removed and there was no way to even DECLINE or RESET the deferment which was set  until 2020.      I just got off the phone with a customer service rep and had to insist he REMOVE the deferment that was preventing me from signing up for autopay.     Please add this to the list of practices that are obviously designed to prevent customers from making thoughtful decisions about their loan management and entrap them into years more of debt than they even requested.     I also sent a copy of this message to the Consumer Financial Protection Bureau.     Thank you.      XXXX   XXXX   XXXX
The original debt was charged off in XX/XX/XXXX, and is not even on any of my credit reports. How can a charged off debt over 10 years old be purchased? It was not purchased and this  collection post is a complete fraud perpetuated against XXXX, and an abuse of my rights under FCRA and FDCPA. The attached post on my credit bureau claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/XXXX, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged. My information was obtained through a debt pooling process that should be terminated by the Federal Trade Commission. XXXX XXXX has committed a fraudulent act by even posting my antiquated information and there should be sanctions taken against this company. Now XXXX XXXX is extending the fraudulent activity to a fourth party collection service called XXXX XXXX XXXX XXXX. There is absolutely no connection to a valid debt, and my name must be deleted immediately from all corresponding files. All credit bureaus are being aware of this problem as now two debt collection agencies/debt buyers are in violation of their subscriber agreement across the board with the major credit bureaus. The credit reporting as well as the debt collection is 100 % fraudulent and needs to cease immediately and permanently.
Violations of public policy have occurred in operation of this account. Information involving debt ( {$830.00} ) is being reported negatively and fradulently to three credit bureaus. There is no valid contract regarding account. Resolution of collections status reported to three credit bureaus is the only lawful resolve.
I mailed a request for validation to Portfolio Acceptance, LLC on XX/XX/XXXX. In my XX/XX/XXXX letter I specifically asked that Portfolio provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Portfolio responded by way of letter dated XX/XX/XXXX by simply providing a copy of an XXXX statement for the period of XX/XX/XXXX to XX/XX/XXXX showing an alleged balance of {$1400.00}. Portfolio again responded on XX/XX/XXXX by providing a summary of their electronic file stating an alleged balance of {$1800.00}, refusing to respond to my dispute due to their alleged prior response and requesting that I provide them with additional information. To date, I have not received ( i ) a calculation of how they arrived at the balance of this alleged debt, ( ii ) an explanation of how their claimed amount in excess of the alleged original balance is authorized by the agreement creating this debt or is permitted by law, ( iii ) nor have I received any documentation containing my signature that show I agreed to pay this amount. It is my belief that Portfolio has not conducted a reasonable investigation of my dispute.
This is a follow up email regarding my original complaint, # XXXX. On XXXX/XXXX/2016, I made an online payment to the wrong credit card company/a closed credit card account in the amount of {$3600.00}. JP Morgan Chase sent a check to the address on file, my former employer, the Federal Bureau of Investigation, which was received on XXXX/XXXX/2016. The check was to be forwarded to the FBI 's XXXX XXXX office in XXXX, XXXX, since I currently reside in XXXX. As of XXXX/XXXX/2016, I have not received the check, and the XXXX XXXX office of the FBI said they would have received it by now. Apparently, the FBI lost my check in their internal mail system. JP Morgan Chase advised they can reissue a check, but it will again be mailed to my previous employer. I have not worked at the FBI for almost 15 months and would like to know what other options there are for resolving this ongoing situation.
There have been numerous problems with Ditech ( sending estimates for escrow, calling it actual then changing their story two years later, sending me another consumer 's information, deducting money without authorization but not including it on statements [ that was revealed in one of their replies ] ) but the most recent is they have taken it upon themselves to change the terms of my mortgage agreement. The papers I signed state the payment is due every 30 days. When submitting extra payments this past XXXX, Ditech applied the payment incorrectly, as if it were 2 months ' payment. They claim the account was set up this way. I asked for a copy of the document stating this, they refuse to provide one saying there is no document. The documents I signed clearly state every 30 days, there is no mention of bi-monthly payments. For years, I sent extra payments electronically and never had an issue until this past XXXX. Ditech suddenly claims it is because I sent the payments electronically but that was never an issue before. Before paying electronically, I called them to see how added funds would be applied and was advised they would automatically go toward principal. However, Ditech changed something this past XXXX and began billing bi-monthly. In the end, I could not stand to deal with them any longer, there were just too many issues, and I refinanced. I remain unable to get a straight answer to why payments were suddenly changed recently. Thank you for your time.
HSA Bank delayed closing my account for over 6 months and continued to charge account maintenance fees. I sent a transfer form to HSA Bank on XX/XX/2016. HSA Bank acknowledged in a phone call with me on XX/XX/2016 that they received the form on XX/XX/2016. During the XX/XX/XXXX phone call, HSA Bank said it would take 4-6 weeks to transfer my funds out. The funds did not transfer out. I called back on XX/XX/2016 and HSA Bank said it would take another 6-8 weeks to transfer out. HSA Bank finally transferred out my money on XX/XX/2016. HSA Bank never indicated there was a problem with the transfer, they just delayed it for 6+ months and continued collecting fees. These were investment funds at HSA Bank and at the new bank that I transferred the funds to. In the time from XX/XX/XXXX to XXXX the investment ( XXXX ) increased in value by over 13 %. HSA Bank 's delay cost me over {$1300.00} in return on investment.
I disputed with Credit Bureau for verification of Debt from Portfolio Recovery Associates and The recovery Associate Fail to validated the debt.
The Portfolio Recovery Associate  produced Documentation that were invalid and not sufficient to proof the debt belong to me.
I requsted the Portfolio Recovery Associate to immediately removed the collection from my credit report.
I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME, I SENT IN A MODIFICATION PACKAGE AND WAS INFORMED BY MY ASSIGNED REPRESENTATIVE WHO IS AS  RUDE AS CAN B E  XXXX   XXXX  THAT DUE TO COMPANY GUIDELINES THEY DO NOT NEED TO INITIATE A MODIFICATION REVIEW BECAUSE I HAVE A SALE DATE WITHIN 37 DAYS. I ASKED IF THE FORMS I SENT IN WERE THE CORRECT FORMS AND SHE STATED NO WE HAVE COMPANY FORMS THAT WILL NEED TO BE COMPLETE, SO I ASKED HER IF SHE CAN SEND THEM AND SHE SAID NO I WILL NOT SEND THEM BECAUSE I DONT HAVE TO.     HOW IS THE SERVICER OF MY LOAN REFUSING TO SERVICE MY LOAN? THIS HAS TO BE ILLEGAL ON ALL ACCOUNTS.  XXXX  STATED THAT SINCE SHE HAS BEEN DOING THIS FOR YEARS SHE KNOWS WHAT SHE IS DOING AND DOES N'T HAVE TO SERVICE MY ACCOUNT BECAUSE I HAVE A SALE DATE. I THOUGHT THE SERVICER HAS TO CONTINUE SERVICING THE LOAN UNTIL THE HOUSE IS SOLD?
On XX/XX/18 I received an email from XXXX at XXXX saying that they closed down my account without any prior notice due to the following reasons. 

" Time since unsecured loan opened Derogatory public record or collection filed Length of time accounts have been established '' I gave them a call on XX/XX/18 at XXXX XXXX when their office opened to ask why they were my closing my account out of no where. They explained to me that they reviewed my account/ my credit report and they said because of the above reasons they have to close my account. They said it was closed permanently and there was no appeal process or anything I could do about it to reverse the decision. When I asked to speak to a supervisor I was told they were not available. 

I just recently paid off my balance in full for this account a month before they closed my account. My credit score is in the 700 's as well as I've had this credit card for over two years. They are my longest credit card length on my report. 

The unsecured loan they are talking about has just been paid off a week prior to them closing my account so it hasn't even gotten a chance to reported onto my credit as paid off. The collection on my account was a medical bill from a year and a half ago that was paid by a car accident settlement that I had to wait months to be paid out. As well as, it has been on my credit report for the two times XXXX has increased my credit limit and it was never a problem. Also, the lengths of the time my credit has been established makes no sense because they are my longest credit card I've had. 

I feel as though I have been unfairly treated by XXXX. My account was reviewed without my knowledge and closed without out any warning or notice. There is no appeal process and they are closing my longest standing credit card that I have. Them closing my account will affect my credit in tremendous ways including my credit length, my available credit line amount, as well as having a closed account on my credit report. Again as I stated before, I've been with them for over two years, my account was paid off, and my credit is in the 700 's. I just don't understand why my account had to be closed when they just raised my credit limit XXXX a few months prior.