WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2015, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Franklin Collections Services that totally alarmed me. I was never notified that is account when it was added to my credit report in XXXX 2015. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. Secondly, I have not had services with XXXX XXXX XXXX, I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. Franklin Collection Services derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does not belong me.
Someone had fraudulently opened a personal loan in my name at Cash Central, strictly an online facility. I filed a fraud report with the Federal Trade Commission, XXXX XXXX and XXXX Cash Central had me on hold for 4 hours while waiting for their consumer affairs department. After hour 6, a recording came on saying the phone call was out of normal business hours and to call during those hours. I called the next day at XXXX mountain time. Customer Service connected me to the Consumer Affairs where XXXX took my information and put me on hold for another 3 hours. Finally another individual picked up but would not tell me her name. She finally finished getting my information and told me they do n't send the forms out for 48 hours and that I have 4 days to get the form back to them with a police report number. Day 2 and I have not received any form or correspondence from Cash Central. XXXX Ut Police Department has 230 cases of fraudulent activities from this company. They wo n't except the fraud forms and take the victim of fraud to collections for a loan they did not request. This company is fake, actively seeking anyone for their personal information.
I was on a repayment plan and was making the scheduled payment through an auto debt from my checking account. I lost my job in XX/XX/XXXX and have not been working since. I called when I lost my job and they stated there was nothing for me to do except to call back when I could make the payments again. Unfortunately Ive not started work as of yet and the job I do have I will be salaried for about 20,000 less annually than what I was making on top of that Ive recently been divorced and have an extremely large child support order to pay for the next 14 years. My co borrower is a XXXX XXXX XXXX   Veteran who is on XXXX and Navient continues to call and harass him and threaten to take his home and sue him. Also Pennsylvania XXXX XXXX XXXX XXXX XXXX has been closed since XX/XX/XXXX
The Bankruptcy on my credit is old and should have been removed by the credit bureaus according to the FCRA. I have contacted them to remove it and they have refused
Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, XXXX, and Equifax all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( XX/XX/XXXX )
I was checking my credit and a listing showed up under collections.     I am not aware of owing money or being behind or late on any payments.     I have not received any notice, statements, emails or phone calls in the last 2 years of being late on any payments or owing any money.     The claim that I owe {$310.00} was made on  XX/XX/2015   . I do not recall purchasing anything remotely close to that value on  XXXX  day on that time.
I lived an a apartment from XX/XX/XXXX-XX/XX/XXXX. I gave the apartment manger one month notice I was moving out and paid last months rent. She came after me and out my account in collections. The lease she has submitted is dated for XXXX, but my signatures are from XXXX. She has 4-5 different cleaning charges with no picture proof of why I was charged several different times, which needs to be submitted for these to be accurate. They have tried to collect over 7k from me and all my credit agency 's but XXXX have removed it because the documents do not make sense. I have tried to talk to company and they have literally screamed and cursed at me. They used to call me all day every day until I told them harassment would not be tolerated. I have asked them to take me to court and they will not because the documents they have are falsified. I contacted the old property manager and she is in jail for attempting murder on her boyfriend. I need this situation looked into, as it is effecting my rental ability for charges that are fraudulent.
We have had bi-weekly mortgage and a home equity loan with Investors bank for several years, when it was with XXXX there was no servicing problem. When Investors purchased XXXX the servicing became a complete nightmare. Their online system is a complete joke and is never correct, they do n't apply payments the proper way. We should never be charged more than 24 bi-weekly payments for the mortgage, so far this year we have paid 22 payments and should only owe investors to payments for remainder of this year. Their website shows we owe {$2000.00} and they probably will add another payment, this is n't correct. The HE loan should be no more than 12 payments in a year, we have paid 10 payments this year. Their website keeps adding payments no showing we owe {$970.00} and that is n't correct. I was working with some girl called XXXX XXXX who was responding until I threatened to report Investors for their terrible servicing. They have had these mortgages a complete mess from day one. This year they went into the account and made all these corrections but it 's a complete mess again. It 's not like I have n't tried to fix this problem. A mortgage payment was made in error to the HE loan, I told XXXX to fix it instead investors ignored my requests. When we took this loan we were given an option that this could be taken off bi-weekly and made into a monthly payment plan. Investors seem to have lost paperwork in the process. I do n't think Investors is servicing this account but maybe another party. We get these random typed bills from this bank occasionally, it is n't even like a regular statement. We own another home and have that mortgage with another bank and we have none of these problems. Every month XXXX sends a detailed bill out showing how all payments are applied, it is n't some unprofessional bill. Please help us because this bank is terrible.
I have n't asked for this company to provide me a debt verification and validation and they have failed to provide me that information the other credit bureaus have removed this off my credit report due to this company sending me several letters indicating that they were going to take this inquiry off of my credit report and that they were no longer going to report anything negative on my credit report they have sent me several letters stating that they were going to take it off of my report and they continuously put it on my credit report I am requesting y'all to ask them to provide you the letters that they have sent to me. I have provided them all of the information that they have requested and I have disputed this several times and XXXX will not take this off my report.
On XXXX XXXX, XXXX we lost our home to our a fire. The home was a total loss and in accordance with Georgia law, our insurance company paid us the coverage maximum on our house. We endorsed our payment check and sent it to our mortgage company Nationstar Bank in XXXX XXXX. Since recieving that check, Nationstar has not been of any assistance to us at all. We originally told Nationstar that we were going to act as our own general contractors to which they said fine. we started taking the steps to rebuild our home and 6 weeks later Nationstar told us that we could n't build our own home. We called them and explained we were n't actually building the house but would be managing the sub-contractors who would be. They said fine. At this time I clarified payment procedures and was told what I needed to submit in order to get the sub-contractors paid. I followed up this conversation with a written letter confirming what I had been told. 

As of XXXX XXXX, XXXX, Nationstar has still not released funding to start the construction of our home. Because of some issues we ran into with our septic system, we decided on hiring a contractor. All applicable paperwork required by Nationstar has been sent in to them. We need them to release funds to our contractor and also to reimburse us for funds we expended that we were told we would be reimbursed for. We called and complained when they said they were n't going to pay us. Approval was granted to pay our reimbursement by corporate headquarters but when I called today to check on the status of any payment, I was told that we could n't be reimbursed until 90 % of the home was rebuilt, something that was never ever told to us. We just want to get this process done and our home rebuilt, something Nationstar in apparently not interested helping expedite
I have unauthorized inquiries reflecting on my credit report that should not be there. This issue has not been resolved even after complaining through the Equifax portal, certified letters sent to Equifax, CFBP and BBB. I was told to submit copies of my complaint along with the inquiries that I was disputing to Equifax. Even after doing so, I was told that Equifax does n't dispute inquiries and that I needed to contact the creditors individually to ask them to removed the unauthorized inquires. I spoke with each creditor and was told that because I do n't have an open account with them they are unable to provide me any documentation to have the inquiries removed because they have no record of me in their system. I am always given the run around and Equifax has been unwilling to help me get this matter solved. They even put a fraud alert on my credit report ( which I recently requested to be removed ), but did n't resolve my issue at all from previous inquiries.
This letter is being sent to you in response to the above reference account that Alpine Credit Inc, has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION HAS BEEN REQUESTED. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered Agent At this time I will also inform ALPINE CREDIT INC that your offices have reported invalidated information to all three of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative mark that has been found on all three of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against ALPINE CREDIT INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character VIOLATION OF THE COLORADO FAIR CREDIT REPORTING ACT LAWS.
NFCU ( Navy Federal Credit Union ) requested eligibility information after my account had been opened for 3 months. When I attempted to give them the requested info, it was unacceptable. I was told that my accounts would be closed, however they were not but my credit card was blocked so that I could not use it even though it was not delinquent. I requested for a dispute to be filed 7 times, my request were ignored. I attempted to make a payment on my credit card in XXXX that was accepted initially and then returned because Navy Federal processed my payment through a closed bank account that should have been deleted from their system. I attempted another payment on my account that was processed as a check even though it should have been processed as an ACH transaction. Even though I was told my accounts was going to be closed because my eligibility, they did not close my accounts but when I requested for my account to be closed I was told that it would not be closed until the credit card was paid off. I have been in constant contact with NFCU to resolve this issue and the only thing they are interested in Is payments on the card. NOTHING ELSE! .My credit is destroyed because of this and they don't care. I really feel that I've been profiled and discriminated against. Beware, this could be you.
In XXXX 2009, I signed a XXXX lease with XXXX for my cousin. When the XXXX month term was up, I extended the lease for XXXX additional months, and she moved out when the lease was up. When I learned about the collection, I quickly contacted XXXX who verified that I did not owe them a XXXX. I 've attempted to contact BLAKELY-WITT in writing but I have not received correspondence form them.
I had a medical bill for XXXX XXXX Medical Center for {$780.00} sent to XXXX XXXX for collection. I paid XXXX XXXX and have a receipt for the payment. XXXX removed the debt from my credit but Transunion still shows it as an open account that I owe. I have checked with XXXX XXXX and they say they have reported it paid in full an closed. i have disputed this with Transunion and they say their information is correct.
I wrote to credit reporting agency this XXXX attempt to get the following XXXX items deleted from my credit report. The following collection item is entirely wrong. 

XXXX XXXX # XXXX A/C # XXXX have no contract with XXXX XXXX so I am not sure why are they placing this account in collection. I asked, If I have signed something, please send me a copy of signed contract otherwise immediately delete this collection account as it is having negative impact on my score. 

According to Fair Credit Act, they must furnish me details of how a collection account is placed on my name and with details, I required signed and executed contract. 

I previous disputed such items, and also sent them a court judgement where a Judge of XXXX County has clearly stated that I, XXXX XXXX, am not personally responsible for this account. You returned stating that this Account number is not being reported on my credit report and referenced it as Account # XXXX. However court judgement which is attached here states that Account # which is NOT XXXX XXXX 's responsibility is XXXX. 
They have stated that you have verified information from sources, however no such verification process system was explained and documents used was sent to me. 
I contacted the Creditor and no adequate response was received.
This is a credit card account from XXXX from 10 years ago or longer. Portfolio Recovery Associates, is somehow renewing the timeline to an earlier date from XX/XX/2012. From a debt long time ago.
I purchased furniture ( custom-made ) from XXXX XXXX for over {$5000.00} utilizing their credit card. The purchase took place on XXXX XXXX, XXXX, however, the merchandise arrived about three months later ( XXXX XXXX, XXXX ), which is later than they promised. During this time, XXXX XXXX charged my store credit card a lump sum, asked for payments, and issued finance charges and a late fee for merchandise that I did n't have yet. I disputed having to make payments and asked for the reversal of the late fee. They took away the minimum payment requirement and refunded the late fee, however, they continued charging me a finance charge. I have not been given an opportunity for even one full statement cycle after finally receiving my merchandise to pay this amount without a finance charge. The card has been paid off, however, I was charged a lot of finance charges ( I did manage to get a portion reversed ). This is absolutely unfair, and this practice must stop.
I was often denied a modification or any relief from my Green Tree mortgage ( which started with a XXXX Mortgage that was eventually assumed by Green Tree ) when I had asked due to my job loss. To keep my credit in tact in struggling to remain current with Green Tree, with their offering no relief and conflicting information on instructing me to fall behind in payments for relief ( which I could n't in good conscience do ), I had no choice but to withdraw {$55000.00} plus from my XXXX ( also having to pay early withdrawal and penalties ) to sell my home for a reduced price and to use the XXXX withdrawal to pay Green Tree the difference between the sale and balance owed ( house was underwater ). There appears to have been several class action suits, but I am never on a list as a member of such. After the home was sold, I moved out of state to a state with more reasonable real estate prices with a continued declining situation. It was and still is a struggle with the above-mentioned resources exhausted.
I am going to make this short and sweet as I dont have much time. It would be much easier to speak with my husband or I about the situation as we are extremely busy trying to complete all of the tasks needed to get back into our home over 9 months post Harvey. We lost our home and the entire contents in Harvey ; left with a few clothing items and essentially have started our lives over. We have XXXX children ; ages XXXX, XXXX, XXXX and XXXX and both work in the XXXX XXXX field as XXXX XXXX. We do okay financially but definitely are not living extravagant lives. All of our money is going towards getting back into our home and will be for the next couple of years. We received FEMA full assistance among a few other small donations but when you sum up the amount lost, havent even come close to meeting the amount needed as we did not have flood insurance. Everything was moving along ; our mortgage company, XXXX was super understanding and did not require us to make payments on a home we werent living in for 6 months +! My husband had almost gotten everything in required for an SBA loan ; we were even going to be able to get an amount enough to cover not only our home repairs ( well over {$100000.00} ), but also add in our existing mortgage. All of a sudden we begin receiving paperwork from another mortgage company ( freedom mortgage ) stating that they had taken over our loan and we were IN DEFAULT! We began frantically trying to understand and fix the situation when all of a sudden on the day that we were supposed to close on our SBA loan, we were informed by the loan officer we had been working with that we were not eligible for the SBA loan due to being in default! Our SBA case manager has known from the beginning what was going on and said nothing. We were never in default until 3 weeks ago! We have now had to redo the application process among other things and to top it all off had to immediately come up with over {$11000.00} to get our mortgage that we were never told was in default current! We have no money left to pay for our home repairs and havent even begun to purchase furniture and are now stuck waiting hoping that this while SBA loan will work out. All of the things the disaster recovery assistance programs were supposed to provide for those like my husband and I have not been done ; there are numerous others going through the same thing as us if not worse.
Im having trouble with my bank and the credit card that was issued to me. At first I managed it pretty well but when I went through hardship I had to use it more then Id liked too so my balance was high. But even before then since I could remember my APR is at 24. I never was late on my monthly until Last month because I felt like just giving up. Ive tried to plead for them to work with me but am declined every time. Also I have a checkings account where theyre killing me with fees. All together Ive paid at least XXXX in fees. Their app doesnt show transactions until days later and the balance is not accurate. Please help
Navient took XXXX payments from my bank account without my authorization. Since then, they have continued to try to charge me XXXX my monthly payment and threaten me by saying they will raise my interest rate. In conclusion, they are bullying me into paying too much on my monthly payments as well as causing overdraft fees at my bank without my authorization and threatening me
I was looking for a new credit card on chase.com ( where I have 2 other cards ). I clicked to learn more details about the chase sapphire preferred card and was automatically signed up ( 1 click ) for a much higher APR than I was expecting.

The link I clicked was for a preapproved card and I assumed that it was going to show me more details about the offer, but instead it just signed me up for the card.
We were in the process of obtaining a consolidation loan from another financial institution. We told XXXX XXXX [ who the installment loan is with ] about this consolidation process XXXX times. We finally got a closing date for the consolidation loan and called XXXX to obtain the installment loan 's balance. We were told we could not get the payoff over the phone [ they gave us a balance on the accounts ] that we would have to go in. We went in to get the payoffs and gave them the date we thought we needed the payoff amount to be. They printed out the payoffs. Our consolidation loan closed 2 days after the payoff amounts were good for. The day after the date the payoffs were good until, XXXX of XXXX 's [ his name is XXXX ] employees came to our home ... to " scope things out ''. My partner approached him and she told him that the consolidation 's closing date was the following day. He was condescending, telling her that we had " promised '' to pay off the installment loans on the date we asked for the payoff amounts. He also asked " what car titles '' his company held [ they were never given auto titles ]. 

Prior to his coming out to the house, they would call our phones up to XXXX times daily. 

I was also dealing with another installment loan company that was the TOTAL OPPOSITE of this XXXX. They documented each time we called concerning payoffs, the original closing date and the new closing date. No complaints for them.