WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my XXXX and Transunion credit reports. These companies investigated accounts instead. Additionally Transunion DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : XXXX INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX not mine Transunion INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized
I filed Chapter XXXX Bankruptcy and they are still reporting every month negatively on my Credit Report as well as, contacted people I know about Debt I no longer owe. Please remove this from my Credit Report
PayPal has inactivated my account without explanation. Further they asked for copies of my ID which I provided and they refuse to either restore my account or in the alternative cancel it. I do not want my credit card information in a suspended account. Recently the PayPal made additional request for a copy of my bank statement which I, under no circumstances, will comply with in any form. At this point in time, I would be satisfied with a simple closure of the account but told Paypal to either reactivate account or cancel it. PayPal refuses to do either. Further, PayPal offers no explination of their behaviour. My account has been open since 2014.
Filed disputes with XXXX and equifax in XX/XX/XXXX results still pending called and emailed them with no response advised 48 hours still nothing received letter from creditor stating this was from XX/XX/XXXX 14 years ago sold in XX/XX/XXXX 11 years ago it was added to my report XX/XX/XXXX original creditor states they are not reporting this information nor is the agency they sold it to current agency can not provide me with any information gave me an address I have n't lived at since XX/XX/XXXX since nothing is happening with my disputes I do n't know where else to go
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX acct-XXXX, Tax Lien acct-XXXX.
I originally had a fixed rate HUD loan through the XXXX XXXX XXXX. It was sold to Carrington Mortgage a few months ago. After a few months of their ownership the loan was increased by XXXX per month with no legitimate reason. The reason I say this is, I was given an explaination by one of Carringtons employees. When I went to my municipalities Clerks office as well as the Assessors office what they told me did not match what Carringtons employee told me. According to Carrington, there was a new educational building being built and there was new assesments on our properties. That is not the case the City official verified that. So somewhere there is a mistake or something is not right with this company. This needs to be looked into. How often are they doing this type of thing to homeowners? I have attempted to get further detailed information but I have n't received anything yet.
On XX/XX/XXXX I sent a complaint regarding : It has come to my attention that lenders must be licensed by the State of Florida in order to offer loans to its residents. This company has no license in my state, the loan contract is not valid. 
On XX/XX/XXXX, I received {$600.00} from Big Picture Loans. To date, I have had 8 bi-weekly withdrawals of {$140.00} debited from my account. I have paid a total of {$870.00}, of that XXXX in interest and {$55.00} in principal. This is {$270.00} over what I was originally loaned and should more than satisfy my obligation to the company. I am no longer able to make any more payments to this company. 
On XX/XX/XXXX-The company responded telling me they were not subject to any state laws and : Our records indicate that your current balance is {$810.00}. This includes the Principal Amount of {$540.00} plus the Finance Charge of {$260.00}. Please review and assist with this issue.
My first complaint addresses the fact that XXXX XXXX XXXX sold my mortgage loan to a company by the name of ( SLS ) Specialized Loan Servicing , LLC. However, I was never informed by XXXX XXXX XXXX of this transfer. ( SLS ) did in fact inform me of the transfer after the fact by sending me a mailed letter through regular mail XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX XXXX XXXX concerning a letter that they had sent to me stating that I had missed four payments. The representative and myself from XXXX XXXX XXXX went over my payment history and could not find these four missed payments. However, during this call ; there was no mention about of a loan transfer. As a matter of fact, the last thing she asked me was " When was I sending in my next payment ''? 
Also, ( SLS ) sent me a letter stating that they will foreclose on my home on XX/XX/XXXX. I have submitted the letter that was sent, and copies of my Bank statements showing all of my payments. Be informed that, UCC 3502 states that if you were late, you are in dishonor, but from the moment they accepted your payment ( cashed your check or posted payment to your account ) then it is to be treated as never being in dishonor ( never being late ). 
I have attached the document labeled XXXX # XXXX which is the last letter and only recent letter that was sent to me by XXXX. It mentions nothing about my loan being transferred. If XXXX XXXX XXXX claim that they informed me of the transfer ; that will be a false statement.
I first sent a certified letter to Aafes on XXXX XXXX, XXXX and I received no response. The second letter was sent on XXXX XXXX, XXXX which instructed me to contact XXXX because they owed the debt. I have requested validation of the debt and have yet to receive any document that the debt is mine. I contacted XXXX in XXXX XXXX and advised them that the debt was not mine. The letter I sent included the following : I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you.
According to my recent credit report request from XXXX, Equifax, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX/XXXX  Card Act. # XXXX  XXXX Act. # XXXX   XXXX/XXXX  Act. # XXXX XXXX  Act. # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX  | ( XXXX  ) XXXX THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX/XXXX Act. # XXXXXXXX XXXX  Act. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX  ) XXXX   CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE
On XX/XX/XXXX Navient forced me to put my XXXX private student loans into forbearance, 2nd time. When I called to ask what kind of options I had, as I was down on my luck, they told me the only option I had was to put my loans into forbearance. I would have to pay {$50.00} per loan ( XXXX loans makes {$100.00} ) and I only had 3 months. After those 3 months I could either begin paying again or I could continue in forbearance for another 3 months. I was only allowed to do this twice. After 6 months I would begin paying my loans again. During the time of forbearance I would continue to accrue interest. Navient added capitalized interest of {$870.00} on XX/XX/XXXX and {$880.00} on XX/XX/XXXX for a total of {$1700.00} + {$200.00} ( Money paid to put loans in forbearance ) = {$1900.00}. Before submitting my complaint I started to look over my account. Let 's take a step back to the beginning when I began paying my student loans, on XX/XX/XXXX, I find out XXXX XXXX at the time, on XX/XX/XXXX, {$7100.00} of capitalized interest was added onto my loan. And then another {$2200.00} of capitalized interest was added to my loan on XX/XX/XXXX, that 's an extra {$9300.00} added to my loan before I even get started. When I first began paying my student loans ( XXXX total ) my payments were well over {$500.00} with interest rates as high as 13.625 %. It 's hard to make student loan payments that high with a culinary arts degree from a college that is no longer open or relevant. Per their website XXXX XXXX XXXX, XXXX XXXX XXXX is no longer accepting applications as of XX/XX/XXXX. I 'm sure you guys are real familiar with both Navient and XXXX XXXX XXXX as they have both been in the media, and I 'm sure I 'm not the only XXXX submitting a complaint on either of these companies. 
Over the past 13 years I 've had a total of XXXX different loans with sallie mae and navient combined, with interest rates ranging from 2.770 % to 13.625 % and payments ranging from {$400.00} - {$600.00} a month with no repayment options because navient wo n't work with me. I currently have XXXX private loans left valued at a total of {$47.00}, XXXX at 7.5 % ( variable ) and my estimated payoff date is XX/XX/XXXX.
On XX/XX/2018, I was informed by my father XXXX XXXX XXXX that he received yet ANOTHER call from XXXX  XXXX XXXX on his phone number of XXXX and which they've asked for me. .. and was told repeatedly they have the wrong number because of the verification of the last four digits of his social are not mines, and I XXXX XXXX XXXX am the person in whom they're looking for. So I called the number on my dads phone ( XXXX ) from my phone number XXXX and spoke to XXXX XXXX, and was told that my phone number ( XXXX ) XXXX is on the file. So when I asked XXXX XXXX, then why is he calling my Fathers phone number repeatedly for the past several months ... when they have my phone number on file. he replied to me. " it was a dialer call ''. ( illegal ). I then informed XXXX, that I'm not in hiding and whatever skiptracing tool their using shows my current address and phone number to get directly to me. AND the fact that they've not called me in months ... yet are still calling my dad is a violation under the FDCPA Section 806 for Harassment .... I asked him to answer as to why they're purposely calling my dad when they have my number ... and was ignored. ... XXXX XXXX then told me he'd rather me speak to a supervisor and the call was transferred to XXXX XXXX. His professionalism was worst then XXXX, the account manager. He refused to address the situation of them harassing my father ... he continued to talk over me, and talk at me while I was talking, attempting to berate me on the phone call. 
I eventually informed XXXX that I WILL be following up with a complaint cause it's clear my rights and the right to contact a third party repeatedly have been violated and clearly they have no intent on apologizing or being humble to even attempt to correct the problem ... all he wanted to do is attempt to collect a debt ... .3 All in all these collectors were Rude, and Disrespectful and Honoree even after being informed of their violations and I plan to make sure I do whatever it takes to get the word out on this companies, poor collection tactics.. and harassing measures.
I sent a credit card transfer payment to XXXX XXXX XXXX for {$360.00}. It was for their return book program, where if a store can not sell the book this is a one year insurance that they can with my book XXXX XXXX XXXX XXXX XXXX. 
I called there sales representive and got one person saying the book money failed to go through and another saying it will take days to go through. All this was verbal. I need something in writing saying my payment was excepted and the service is happening.I am complaining because I am getting mixed signals verbally. I need assurance my money transfer and service is effective. 
Was the money taken from the American Express Account by XXXX XXXX? I would like to know : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Financial Asset Management Systems sent the attached letter to the payroll department of my employer. The letter included information regarding intent to garnish my wages, and the amount of the debt FAMS is seeking to collect. They allege the debt results from a defaulted student loan, but all of my student loans were consolidated and are in good standing. I have no defaults on any loan of any type on my credit history. 

FAMS has never made contact with me about this debt, the only contact I 've ever had with them is via the impermissible letter they sent my employer. The letter has caused me significant embarrassment and XXXX.
I am receiving repeated calls from Affiliate Asset Solutions. I have made repeated requests for them to tell me exactly why they are calling. They will not tell me the caller 's name, the reason for the call and I have also made requests for any demands to be mailed to me, yet I have received nothing in the mail. They will not tell me amounts, creditor, etc. - nothing. I have no knowledge of ANY outstanding debts, I have checked my credit report and nothing indicates any delinquent debts on my credit reports, I have not received any notices from any creditors, etc. and all of my bills for my personal and business use are current.
onXX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX I attempted to withdraw cash from a prepaid card that I am given for donating XXXX. The month prior when I conducted these transactions at XXXX XXXX. They were not declined. I was able to obtain cash back for a XXXX fee, which is the agreement. Starting on the XX/XX/XXXX Citibank began systematically declining my transactions. On XX/XX/XXXX I called and spoke to a citibank rep who looked into it, she told me I did have the funds on the card, and that she would contact her " corporate.. ( ca n't remember the name ) but would find out why it was declining ... ( although she said she did n't see it decline ) she put me on hold. came back and said oh for some reason your card appears to have been deactivated? I said how, I have used it, it only declines when I want cash back in amounts less than XXXX ( had XXXX on the card attempted to buy a XXXXCent pack of gum and remove XXXX declined ) she said well its active now. So I went back into XXXX XXXX.. and attempted again. Declined. I called citi bank again. This rep tried to tell me to leave go to another store. ( because its not showing it decline ) I refused because they were not paying my gas. Then she tried to shift me to a supervisor. I said look i just want you to do your job and contact the corp. dept the last girl did to find out why its still declining. Long story short ... she gave me the run around said that its that location. So i left. drove to another location XXXX miles away! attempted to use the card to get cash back. declined. Called Spoke to a supervisor. Supervisor said well There is nothing I can do because we do n't show the transaction as being declined. I was able to get out XXXX in cash from XXXX on the citibank card. I was able to use my personal bank card and withdraw XXXX from XXXX XXXX.
SO the issue is not with the cash and XXXX XXXX. It i with Citibank declining the transaction because they dont ' want me to be able to withdraw the amount if it is not in a number convenient for them is the impression I am getting. Meaning, if i have XXXX on the card and want to withdraw it. They are declining it because its not XXXX. or XXXX. But I am allowed to with draw small denominations at XXXX XXXX. as I stated i did it just to prove that point with a XXXX cash back. Not to mention when I first started using this card in the middle ofXX/XX/XXXX I was able to get cash back, but once one billing cycle went thru, citi bank seen the transactions in small increments and is now declining but not being culpable by saying they do not see the transaction declining. They have subverted the system some how because it is a small transaction..but small transactions for millions of people, ends up being millions they pocket.. I think this is a way for citibank to hold onto my money until the balance is in a rounded figure ... gives them more days to collect interest. or thinking if most people give up trying to get out cash.. they can charge fees on multiple transactions being conducted on the card, because they wo n't allow the cash to come out.. and cash back is part of the agreement.
I have a debt with XXXX XXXX  XXXX XXXXXXXX. The company handling the debt is FMS XXXX. I am trying to establish written dialog with the company but they have refused to communicate via mail. I asked via mail, early XXXX, to send information on a loan rehabilitation program. I sent two more in XXXX. Every time I sent certified mail. The third time I expressly wrote on the document to communicate via mail. In all responses, I only received a typed notice with .... " If FMS has a phone number on file, we will attempt to contact you .... '' Is this something I can rebut and expect them to contact me via paper mail? It feels exploitative and hostile. Am I wrong? I have been working long term with single parenthood, homelessness, psychological repair, and other, I feel, unfair challenges. FMS seems to have only found me because I tried to work out a plan through an attorney and then contacted me after I couldn't afford the attorney anymore. I feel they got my information because I was trying to work out my debts? 

Thank you for your time.
My vehicle was repossessed under unfair conditions. I was not given a replevin notice and not given the opportunity to update payments. I was hospitalized at the time of repossession and not given any notices for bill of sale and amount owed after vehicle was sold for auction. I am asking to remove the reposession from my credit report because of unfair credit reporting and unfair reporting/notices from XXXX XXXX XXXX.
Luna Financial located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX, ( XXXX ) XXXX has called me on numerous occassions trying to locate my sister and nephew because they were late on their payment, XXXX XXXX and XXXX XXXX, who have a car loan with them. They were not skip tracing. They would also leave messages on my voicemail. I asked them to stop calling me month after month. They stopped. Today, XXXX XXXX, 2015, I received a call from them again. I told the gentlement not to call and that I had asked them in the past not to call me anymore. He said they were going to continue and call me again next month and hung up on me. I called back to ask for a manager and the same guy answered and said that they were going to continue and call me and hung up on me again. I would like for these phone calls to stop. I am not a message center. I would like my phone number to be removed from their records and for them not to contact me again. 
Thank you. 
XXXX XXXX
I have a a unverified account from Portfolio Recovery Associates , LLC. I had previously disputed this account. I have never done business with Portfolio Recovery Associates , LLC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Portfolio Recovery Associates , LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin XXXX. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Portfolio Recovery Associates , LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I've updated my information with all agencies. Credit Karma will not updated my information. All I get back are generic email messages. No contact information to speak with any one about this problem. I have emailed several times and continue to get the run-around.