WillisBack/dataset-financial-user-claim huggingface dataset:
RE : Un-Verified Accounts Pursuant to the FCRA & the FDCPA I am writing this complaint to exercise my lawful right to question the validity of debts that has been entered on my credit file and claims to have become due, derogatory and negative. According to the FCRA, if a credit file is going to be reported on a consumer 's report it has to be properly verified by the credit bureau. The FCRA states that the bureaus are the ones that have to keep this verification on file. I am well aware that under the FCRA section XXXX disclosures to consumers, a credit reporting agency is not required to remove accurate derogatory information from my file, unless the information is outdated under section XXXX or can not be verified. All three credit bureaus have placed this information into my credit file with NO VERIFICATION! Nothing has been done as to whether these accounts are valid, hence they are Unverified! 
I understand that credit bereaus has violated my rights to report these items on my credit report! Fair Credit Reporting Act XXXX FCRA XXXX protects me and governs the activities of XXXX reporting Agencies and regulates how they report information about me. They are required to have copies of the original signed credit application in their files, which they have failed to provide to me. Each time I dispute these XXXX entries it has come back as verified within a few days, which further lets me know that you have not fully verified these accounts. You are required to have a copy of the credit application that I signed when I supposedly opened the credit account with the creditor on their files. You have failed to show that your agency verified the information and the accounts belongs to me and to show that your agency verified the information before you placed it on my credit report by identifying the proper identification required ( driver license and SS card ) + a written contract/request identifying me.
Express Recovery Utah represented by XXXX XXXX XXXX is trying to collect on medical debt from the XXXX XXXX XXXX XXXX. They illegally obtained personal medical history to include medical procedures and medication on the billing. This personal medical information contained several errors and duplicate charges. I brought these errors to the attention of the attorney with no change to reporing, collections or lawsuit. XXXX XXXX XXXX XXXX XXXX is subsidized by the State and the State finance division has already garnished funds on behalf of the hospital also the State is the  authorized collector of this debt per uca XXXX. I contacted the State finance to take care of debt and they referred me back to the university of Utah hospital, the hospital stated that as of XXXX my current bill was XXXX. This information was made aware to attorney for express recovery in discovery and still no change in processing with lawsuit or amount they are seeking. Express recovery has violated hippa by not safeguarding personal medical information by including more than my name contact information, acct # and amount owed.
Please see letter of communication sent to the merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Bogus XXXXXXXX XXXX credit card account number ending in XXXX ; Alleged bill of {$52.00} To whom it may concern ; I continue to receive bogus bills from XXXX XXXX for a credit card I did not initiate, authorize or receive, much less use. I continue to receive harassing Robo calls from you XXXX XXXX regarding this. 
You have submitted my name and bogus credit information fraudulently to financial institutions, damaging and defacing my credit history and my name. 
I demand you cease and desist any further harassment and I also demand you expunge any negative reports you have fraudulently submitted. 
Additionally, I want an investigation done at your expense, as to WHO initiated this. 
I want the sales clerks name as I NEVER authorized any such credit card to be initiated in my name. I know the scam that the sales clerks use in order to get their spiff money in closing a new credit account. If they opened up an account in my name without my express permission or if they did not make it clear to me that they were doing so, they AND you are guilty of fraud. 
I have attempted to go online to your website at comenity.net/paymenthelp ; however, not to my surprise, there IS no help there. 
If I do not hear from you in 10 business days with a satisfactory solution in my favor, I will be forced to file a complaint with XXXX and with FTC. 
I know you will do the right thing by your customers, of which I have been a loyal customer of XXXX for many years, and even decades.
his is a request for intervention due to a wrongful foreclosure initiated on the first Tuesday of XXXX 2016 by HSBC Mortgage Services Inc. at the XXXX XXXX court house steps with said property XXXX Georgia XXXX. Previous to this wrongful foreclosure action on the subject property, I was assigned to XXXX XXXX, Housing Counselor with Home Safe Georgia to negotiate a loan modification or principal reduction with HSBC Mortgage Services , Inc. He requested the following information to complete the modification application : Profit and Loss Statement ; Recent 2 Months of Personal Bank Statements ; Tax Transcripts for Personal and Business for XXXX ; During this period, I truly believed that I was under HAMP review and HSBC Mortgage Services never sent me any denial notice for my HAMP prior to the wrongful foreclosure against the subject property. HSBC Mortgage Services Inc. failed to adhere to the Single Point of Contact policy in order to find out the time frame in evaluating a HAMP Loan Modification application. Moreover, I was assured by Home Safe Georgia that they have contacts at many of the banks in order to execute an amenable mortgage workout. I have attached Home Safe Georgia email communication to me for your review. HSBC violated CFPB rules against dual tracking, initiating foreclosure while negotiating a loan modification. 
Sincerely, XXXX XXXX GA XXXX
Equifax Mortgage Services and XXXX XXXX put XXXX Hard Inquiries on my credit Report. My understanding is if you apply for a mortgage with multiple companies within a month, there should not be multiple inquires.
Capital One Quicksilver Credit card.. back in XXXX i reported that 2 identical charges for {$37.00} were charged on my account after i had already checked out of a XXXX XXXX XXXX in XXXX XXXX XXXX.. they started and investigation and finally yesterday Capital one called me and put me on a 3 way phone call with the XXXX XXXX XXXX, first they said that i was charged a resort fee and then after a supervisor of hotel resort said that i was given a discount at check-out that i was not supposed be given.. he admitted that they charged me twice for each room for the difference, since their employee was not suppose have given me the discount.. i explained that it was their mistake and they had no right to charge my credit card.. he admitted that they charged my credit card without my permission or signature and they had every right to do it, i explained it was fraud and the Capital one credit card agent also explained that to them, but they refused to accept any wrong doing.. Capital one agent then told me that i would have to pay for both charges of XXXX.. Capital one recorded the entire 3 way phone conversation ..
After reading the FTC website and filing an identity theft affidavit I then mailed my dispute to XXXX and Transunion notifying them that accounts were open in my name without my permission. 

I disputed the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX BANK XXXX, XXXX XXXX
I applied for a Citizens Bank Credit Card online with the publicly advertisement of getting 10 % cash back on the first XXXX spent and an unlimited 5 % cash back on grocery and drug store purchases for the first 90 days. When I received the actual card in the mail, the rewards structure was different. The rewards structure was 1.5 % of all purchases. I sorely disappointed because what I signed up for and what I received was XXXX different products. It seems that I was baited and switched when I signed up for the credit card. I have a screen shot of the offer I was led to believe I was receiving by signing up for the credit card. I alway take a screen capture of the advertisement because sometimes I 'm skeptical and want to have proof of what I signed up for.
They mail me a letter and I told them that I couldn'tsee send no money with no incomeand no job how can a personpay a old bill and not working.
I received a call from a XXXX XXXX who apparently works for Accounts Research out of XXXX, TN. He was attempting to collect a debt from a previous bank I used ( XXXX ). This was the most unprofessional and rude human being I have ever spoke with. He also claims he has attempted to call myselfand my fianc before, but we have no records of that ever happening. He also asked if I 'd received the letter about the debt and I said yes but before I could respond to tell him it was from the bank itself and not from a collection agency he was talking over me again making court threats and that he did n't care what my situation was. This company is not even BBB accredited and I do not like the fact that he has any of my information. This needs to be handled.
This is not a vehicle it is a commercial trailer loan with a company called Aqua Finance, which i do already have a existing open loan since XXXX XXXX. Yesterday XXXX/XXXX/XXXX I applied for a additional loan through the funding company Rock Solid Funding that goes through Aqua Finance ( which again I have a open loan already with them on a trailer I purchased XXXX ) I got a email from the XXXX XXXX XXXX  that Aqua Finance denied me. I called Aqua finance today XXXX/XXXX/XXXX at XXXX ( eastern time ) I was on the phone for 41 minutes and got no where.I spoke to the lady who answered to find out why I was denied she said my account is past due, I explained to her it is not according to all the invoices/receipts she spoke to a supervisor and came back on the line and said due to that they denied me, I asked to speak to a supervisor ( XXXX ) I explained I am current according to all my bills since XXXX she transferred me over to billing, I spoke to XXXX she said she has a 3rd party billing and they always mess up and explained I had a payment due today which I was aware of and was to pay today ( which I did ) I asked XXXX so I am not past due she said No. I asked to be transferred back to ( XXXX ) the supervisor she then said the same things I said I need to talk to your Supervisor she got me on the phone with XXXX I explained the whole situation that I should not be denied for past due balance cause I am not, I told her that I have all emails, receipts, their invoices showing no past due etc.. She then stated we are not financing you due to late payments, I then got upset mentioned to her that I will contact FTC and who ever I need to since I feel this is a " false statement about the ability to offer a loan '' since I do not have a deliquent/past due. XXXX then changed why i got denied and said we are not approving you due to having to pay off exsisting loan which I then got angry with her and said oh now XXXX you are changing why I got denied after you and everyone else stated before I was denied for past/late charges which is incorrect!! She then had nothing further I told her I will forward all this proof over that I am not late/past due she then didnt want to speak to me further. 
I am so upset with how this is handled and how i am being falsely denied of this loan which is affecting y business.
I was working with XXXX as my MERCHANT PROCESSOR to processes my customers credit and or debit cards as payments. They then randomly froze all the funds from my customers and ripped out {$2000.00} from my account and claimed ID THEFT without any merit. I then provided them with all the identification items the requested ( which by the way was required by federal law for them to collect this information prior ) They then corrected that information. They then said that we were n't authorized to sell our products because we were only authorized to sell jewelry ( that to is a lie, the person that wrote our contract wrote service provider not jeweler ) So they lied on that to. They have not sent any deposits in 3 months for any of the funds my customers paid for. They are claiming that they now have to hold it in a non intrest baring account for XXXX months due the possibility of chargebacks. Keep in mind no chargebacks existed and they had no reason to hold my funds. They fabricated this, then after proving them wrong they went and removed the ID THEFT STATUS ( which by the way has prevented my company from being able to open another account and make money. ) Because we were unable to receive our funds from our clients we could n't afford to provide goods or services for all of them. Also we never received the customers money so they had not choice to do chargebacks to get the funds back from XXXX holding them. Now XXXX owes us around {$11000.00}. They gave us a written email from numerous employees saying that they will now be mailing us a check for {$6800.00}. I have in writing from them that they already mailed the check. Now another person says they have decided not to mail the check. They have held the funds for XXXX days now and are not answering the phone, they 've hung up on me, they are ignoring emails now. THEY STOLE MONEY FROM MY ACCOUNT WITHOUT MY APPROVAL. The dates on the account will show that no chargebacks accrued until after they did all of this. and now they are playing games and lying about sending me the money.
Inquiries not approved by me, some inquiries were removed and put back by Transuion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Regional Acceptance Corporation in XXXX Ga is the worst I do not want to include my name because they may continue to harass me. But that Supervisor XXXX XXXX is horrible she does not know how to talk to customers and I hate that I asked for a supervisor. She is nasty, rude, and very unprofessional and I do not know who hired her she is nasty. I have spoken to her maybe twice at the end of the month and she told me one time that well maybe you ca n't afford the vehicle and it 's an affordability issue. Life happens and things happen and I know that I took out this loan but for her to talk over me while I was trying to explain what was going on and she just cut me off so disrespectful. I told the young lady that I was talking to not to transfer me to her, but she insisted. They can just come get the car if she has to be that rude.
Property was Foreclosed while under protection of Active Bankruptcy Chapter XXXX I was in default on my mortgage due to unemployment. I filed for bankruptcy protection under Chapter XXXX. In XX/XX/XXXX, while in Chapter XXXX, my Bankruptcy attorney had a medical emergency and several of his cases including mine, slipped through the cracks and were dismissed in error on XX/XX/XXXX. An attorney stepped in and filed a motion to vacate the dismissal of the BK on my behalf. At a court hearing on XX/XX/XXXX the judge approved the vacating of the dismissal of the bankruptcy and the bankruptcy was reinstated. On XX/XX/XXXX Nationstar Mortgage, dba Mr. Cooper foreclosed on my property while I was still under the protection of the Bankruptcy stay. As of today, XX/XX/XXXX, I am still under the protection of the bankruptcy and they are proceeding with trying to evict me and they do not have a right to do that. Under the BK statute all attempts to collect a debt must cease. 
I am now employed and will be working full time and do not want to give up the home I worked so hard to keep.
I started a loan with a company called Springleaf Financial LLC over here in XXXX, NM. That company is now Onemain Financial. The loan was for around {$10000.00} and was meant as a consolidation to my credit cards. I was mislead into believing an account worth {$1200.00} was consolidated in the amount by the associate who had me signing the papers. I asked her why I didnt receive a check for that company, and I was told that it would come after 3 months of on time payments. So after 3 months of on time payments I call to see what is going on and I was told that they could look into refinancing but that the terms of my loan did not include that account. They specifically then told me I should have read it closer. I insisted that the representative even talked to her manager and came back to tell me that information. I then signed the contract and took the checks they offered me. If I had known that it wouldnt have included that account, I wouldnt have consolidated, and it ended up putting me in a rough financial spot. I had asked for a supervisor to call me back, but I never got a return call. I didnt know about UDAAP until recently when I realized I was mislead and could take action against them. I obtained the loan in XXXX but the earliest statement their website lets me access is from XX/XX/XXXX which I have uploaded. I will work towards finding the entire agreement so I may send it in ; however, Im sure based on my statement you will be able to find the account this is in reference to and the signatures of the Springleaf representative and manager that mislead me. In addition, when they called to collect their payment on XX/XX/XXXX I wasnt informed there was a return payment or return payment fee on my account, nor did she give me the option of paying it. Im very concerned about this company and have no trust in them anymore.
My  XXXX  statement for the period  X/XX/17  to  X/XX/17  included a hotel charge for {$120.00}. This was not an authorized charge because the reservation was for  X/XX/17 . No prepayment was required and I had until  XXXX  day of arrival to cancel without penalty. The hotel did not refund the charged after I contacted them. On  X/X/17 , I submitted a written dispute of the charge to  State Farm B ank to the address listed on the statement for disputes. I paid the balance due on the card except for the disputed amount. The payment was posted  X/X/16 .  State Farm Ban k did not acknowledge the dispute until  X/XX/17 . At that time they posted a temporary credit to my account for the disputed amount. When I received the next statement covering  X/XX/17  to  X/XX/17 , I discovered that I was charged {$7.00} interest on the disputed amount. When they posted the temporary credit, they only adjusted {$0.00} of the interest charged. I should not have been charged any interest on the account because I paid the full amount due except for the disputed amount and filed the dispute more than 10 days prior to the payment due date.  <P/> I contacted  State Farm Bank via  e-mail through their website requesting a full refund of the interest charged on the disputed amount.  State Farm Ba nk did not respond to my request.  <P/> In acknowledging the disputed , State Farm  Bank indicated that it could take up to one year to resolve the dispute. I believe the have only  two  billing cycles, not to exceed 90 days, to investigate and resolved the dispute. I received a letter dated   XXXX   stating the disputed has been resolved in my favor. However,  State Farm B ank has not acted to refund the interest charged on the disputed amount.
There is a entry on my credit report that was previously disputed. I reached out the to the company to request a verification of the debt as I expressed that it was not mine and that i was disputing the debt in its entirety. As per the FCRA 30 days elapsed and there was not written response mailed to me so the law stipulates that this must be deleted. I expressed this to Transunion however the entry remains on my credit report, which is in direct violation of the FCRA laws.
My mortgage was sold b y Wells Fargo t o this company.  XXXX  states that  my 1st p ayment was due  XXXX   XXXX  when my loan was n't acquired by them till  XXXX   XXXX .  Wells Fargo  was deducting the money from my checking account bi-weekly.  Wells Fargo  shows that they forwa rded the one p ayment that they took to  XXXX . I have spoken to multiple people at  XXXX  asking why my funds have n't been credited to my account. They claim they never received them fro m Wells Fargo . I fax them proof and they just state they are looking into it. This has been going on since  XXXX . It is now  XXXX . I have spoken to at leas t 20 p eople and no one can come up with an explanation as to where my money has gone. When you google their name this has happened to many other people as well. I want to know how I can owe them money due  XXXX   XXXX  when they did n't purchase my loan till the  XXXX , where my money has gone  that Wells Fargo  states they forwarded to them, and finally they say I ca n't do bi-weekly payments because of the terms of my loan when  Wells Fargo  was doing them. They have lied to me repeatedly. They have not credit my money to my account that was giving to them by  Wells Fargo  since  XXXX . This is horrible that a company can do this to you and you have no choice or say because your loan was sold to them.
XXXX XXXX XXXX has failed to properly mail me my rights to disputes a debt I dont know about. They have went ahead and added a debt without authorization to the credit bureaus. I am undergoing a police report due to identity theft and fraud and havent been receiving mail at my mailing address. The USPS is investigating the matter as mail is coming up missing frequently.
I have notified Equifax that I am a victim of identity theft. The following accounts do not belong to me. Please help me in getting this accounts removed from my credit file. 

1. XXXX XXXX Acct # XXXX 2. XXXX - XXXX 3. XXXX ( Reporting XXXX ) 4. XXXX XXXX - Acct # XXXX
I tried disputing a 90 Day late charges from Navient for 8 of my loans which started XX/XX/XXXX. 
On XX/XX/XXXX, I contacted Navient via phone to request that I have moved to a different address and that I have never faulted on my student loans which i was never aware that it was starting. On XX/XX/XXXX, I again requested to talk to someone and finally reached someone that told me to write a dispute letter. My payments were never late as I have made payments every month since XX/XX/XXXX and I even sent them documentations proving I was unaware of the loans starting in the attachment below. I have nicely asked Navient to remove the 90+ day late and report them to the credit bureaus to fix all these issues three times and have included multiple times with evidence. They ruined my credit score and I would really like to resolve this.