WillisBack/dataset-financial-user-claim huggingface dataset:
This law firm   XXXX   XXXX   XXXX   SB #  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX  , #   XXXX     XXXX   XXXX  , CA  XXXX  telephone  XXXX  They are working with a company   XXXX   XXXX   XXXX   to commit fraud on the   XXXX    FAMILY, this law firm and the above company is also working with a company named   XXXX   XXXX  , and   XXXX   XXXX   XXXX  , whom  XXXX  had already wrote demand to validated the debt letters to, and letters disupting the debt. Even Though these letters were sent out the these entities   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   XXXX   none every responded to   XXXX   which was their Article/Title 5 responsibility to do. Once the fraud was committed by   XXXX   XXXX  , and   XXXX   XXXX   XXXX  , then   XXXX   XXXX   XXXX   was also sent the letters from  XXXX  and also did not respond.
Currently,   XXXX   XXXX   XXXX  , is working with   XXXX   XXXX   XXXX   that is creating fake documents with   XXXX   XXXX   XXXX   to steal the   XXXX    home and property.  XXXX  sent out documents to rebut all presumptions of   XXXX   XXXX   XXXX  .  XXXX  were supposed to have a jury trial till a summary judgement for unlawful detainer was filed.
Currently   XXXX   had a judgment not in their favor, even thought they showed a judge evidence that they have not debt to foreclose on. And own the Note and are in possession of the note that invalidates the deed of trust that they are trying to foreclose on. There are other evidence that show there is no debt like a report from the secretary of state on the UCC that shows there is no debt since  XXXX  and no current debt owed. I have filed over 15 reports about that same senario but different parties doing this to us over and over again.
The Judge   XXXX   XXXX   XXXX   in this case was also trying to work for the Plaintiff and was rushing to judgment even though he did not look through the paperwork. Much of the paperwork prepared by   XXXX   XXXX   XXXX   was all manufactured fraudulent done by   XXXX   XXXX   XXXX  .  XXXX  found out that the judge also has a pension based in mortgage backed securities and also retired back in  XXXX . He has been out of active practice of law for 10 years, and   XXXX    asked him about certain cases he had no idea, not even knowledgable of IRC 860G and REMIC trusts so he was not qualified to judge this case.  XXXX  feel he acted prejudicail to   XXXX   XXXX   XXXX  , since he was helping them craft arguments against  XXXX . Each argument   XXXX   objection handled and diffused. Explaining that there was no mortgage to foreclose on, and that the Judgment listed in the count record was from court fees  XXXX  already paid through the court to the county comptroller. So there is no judgment or mortgage debt they could have purchased in a foreclosure auction. This is a new tactic since they did not respond to any of the other debt dispute letters/or demand for debt validation, any of the companies prepetrating this fraud were non-compliant to respond.
I want to dispute a {$95.00} medical bill that is open with Equfax. I sent a dispute to XXXX and let them know that I paid the bill before it was sent to collections. The results are below. After verification it shows that I did pay the bill. I want this removed from my Equfax report as well. 


Since your last update on XXXX XXXX, XXXX, 1 collections account has been removed from Account Type Removed Status Reported By XXXX XXXX XXXX Removed XXXX Removing a collections account from your credit report can have a positive effect on your credit score. 

This is a copy of what equifax has : Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$95.00} High Balance {$95.00} Remarks Medical.
Someone attempted to obtain credit in my name on several occasions. There were several inquiries from XXXX XXXX  that I never applied for & I thought had been removed from all credit reporting agencies. After submitting inquiry removal letters from XXXX to All credit reporting agencies, XXXX and XXXX  were the only two that removed the inquiries, Equifax did not. I was part of the Equifax breach. I was told by Equifax to file a claim with the consumer that requested my report. Which I did- I forwarded the deletion letters to Equifax and they refused to remove the inquiries. Since i was unsuccessful at obtaining assistance from Equifax, I reached out to the police department again and The police department directed me to Federal Trade Commission. Since the identity thief did not obtain the credit that they applied for, the FTC directed me to CFPB to file a claim for credit inquiry issues. These inquiries are adversely affecting my credit. The language barrier of the Equifax customer service agents is impossible to understand. Some of the inquiries have fallen off, however there are two inquiries that are still hindering my report. One from XX/XX/XXXX and the other from XX/XX/. I have attached the deletion letters. Please please help me.
As of XX/XX/XXXX Freedom Mortgage continues to show last payment received was XX/XX/XXXX. This inaccurate. Per response from a previous complaint, Freedom Mortgage stated that XX/XX/XXXX payment had not been received. I sent Freedom Mortgage verification that payments had been received. confirmation of online payments and the XXXX banking statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Due to death in family, which led to temporary  financial hardship, I had requested to put off XX/XX/XXXX mortgage payment. Since I had not received any correspondence/ telephone call, I had been led to believe that Freedom Mortgage consented to my request. Freedom Mortgage inaccurate reporting has resulted in scores dropping, being denied refinancing/ person loans. Freedom Mortgages unwillingness to contact customer, has resulted in seeking legal action. This has been ongoing since XX/XX/XXXX. I have submitted letters to the executive staff, XXXX, IN.
I HAVE WRITTEN TO BOTH EXPERIAN AND THE CREDITORS LISTED BELOW ONLY TO KEEP GOING IN CIRCLES CREDIT AGENCY SAYS ITS CREDITOR CREDITOR SAYS ITS CREDIT AGENCY REPORTING THE INQUIRY Experian XXXX XXXX XXXX XXXX DateXX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX theses are all from experian
This complaint is in follow-up to Complaint # XXXX filed on or about XXXX/XXXX/XXXX. 
This claim was addressed by Citi Financial in XX/XX/XXXX and my credit reports were updated. However, in XXXX, XXXX, this XXXX mortgage in the amount of {$22000.00} reappeared on my credit report ( See attachment ) and I started receiving bills stating that I 'm approximately {$9800.00} past due. This issue with CitiFinancial is starting to run my credit score down again. 
This has to be illegal for a company to destroy a person 's credit and not take responsibility for their actions. Again, I work for a " Reputable Financial Institution '' in the Mortgage area and I know I 've been violated over and over again as a consumer. PLEASE HELP ME ENFORCE THIS COMPLAINT ... .I DO NOT HAVE TIME TO INVEST OVER AND OVER TRYING TO GET THIS ISSUE CLEARED UP, WHICH IS NOW INTO IT 'S 3RD YEAR. 
Thank-you in advance for your help in bringing FINAL RESOLUTION to this issue.
XXXX XXXX XXXX leased XXXX VIN XXXX, a lemon,  towed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and towed once more on its turn in date of XX/XX/XXXX. XXXX XXXX, GM of XXXX XXXX XXXX, stated on he would not take the car back due to its history when I sought leasing a new XXXX & therefore, a termination fee of {$350.00} for not obtaining a new XXXX with his dealership should not be charged to me as Mr. XXXX denied me the opportunity to seek a new lease with his dealership. Additionally, out of pocket costs to have this car towed to the dealer via XXXX exceed {$350.00} ( I have the XXXX paperwork confirming 3 tows on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and the {$350.00} tire cost fee assessed by XXXX XXXX XXXX is not warranted and is disputable as the vehicle was inspected by a 3rd party, XXXX XXXX XXXX XXXX in XXXX XXXX ( which is where it was towed from on XX/XX/XXXX ) and no tire replacement was found necessary. XXXX XXXX sold this debt incorrectly and unfairly to XXXX and XXXX XXXX unfairly created these inaccurate debts for a car that is a lemon.
I have been unable to access my PayPal Extras MasterCard account online for months. When I log into PayPal, I can see my card balance. When I try to open the website where I can make payments and see my statements, I am directed to : https : //paypal.syf.comXXXX This message appears on the page : Login Not Permitted We're sorry. We have a problem with your account that needs to be fixed before we can restore your online access. 

Please call us at XXXX This is the customer service number for my PayPal Extras MasterCard. I have called them at least once per month since this issue began in 2017. 

These are the actions they have taken over the phone : They have sent me a new card. Three times they have said my card wasn't " linked '' and they have " linked '' it. They emailed a manager. They have sent me a portion of my old statements by mail. 

I keep calling and telling them my issue. Each time, the customer service agent does one of the above mentioned and says I should be able to login within 2-3 days, and sometimes 7 days. I have told them I would complain or consider closing my account if it wasn't resolved.
Equifax has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from Equifax. Equifax always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested Equifax to update their file over 5 times.
I n 2001,   XXXX   XXXX   XXXX  issued to me a  XXXX  ending in   XXXX    XXXX .  <P/> Their 30-day late payment notice is still on my credit report.  <P/> I believe the statute of limitations has passed.  <P/> So I have tried to have this late payment removed. My lawyers have also filed numerous credit bureau appeals.  XXXX    XXXX   and their new credit card department in  XXXX   XXXX  (  XXXX  was acquired by  XXXX  ) refuse to remove this damaging statement from my credit report.
I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines
I have three things listed under derogatory marks that I need removed and working with Equifax has been to no avail. I have two public records ( Account Numbers XXXX and XXXX ) that need to be removed. I do not owe these balances. I have contacted both XXXX XXXX and the corresponding courthouses and they confirmed with me that Equifax did not contact them to confirm or dispute this information. When I submitted an FCRA Prodcedure request on X/XX/2017 they did not respond. I send that letter certified and faxed it as well. Also, there is a collection account under the name of XXXX XXXX XXXX for a balance of XXXX. I am not responsible for this debt, as it is a worker 's compensation case. I have already cleared this information with both the original creditor and my previous place of employment. However, Equifax refused to remove it from my report and continues to reflect inaccurate information. There are also twelve ( 12 ) inquiries listed on my credit report that are scheduled to fall off within the month, only one of which was actually authorized.
Received my consumer report from ChexSystems and noticed some inquiries listed under consumer initiated that I never initiated. I 've never been to XXXX let alone tried to open up an account with XXXX in XXXX. Tried contacting ChexSystems to file dispute and was told they do n't handle disputes.
I have held a mortgage with Nationstar since XXXX 2013. Since that time, I have received revision to my monthly payments based on changes in taxes, the value of the property, and the balance of my escrow account. Last week, I received a notice from Nationstar that they were again revising our monthly payments based on a dis-balance in our Escrow account. This is all well and good, but the disconcerting fact was that they were raising my monthly mortgage payments by {$600.00}. Even worse was the fact that I was receiving less than 30 days notice as the new payments would be in effect starting XXXX XXXX. Upon further investigation, I discovered that the majority of the increase was due to a dis-balance in the Escrow account. Apparently, Nationstar had anticipated county tax for the to be around {$500.00} but the actual amount was around {$2000.00}. How could they not have accounted for such a huge discrepancy? Either their analysts are highly incompetent or ( which is more likely the case ) they intentionally lowballed Escrow payments the first year so that we would sign with them.
I have wired {$5000.00} USD to XXXX to make a deposit on XX/XX/XXXXXXXX XXXX, 2018. I have received confirmation from my bank at XXXX XXXX XXXX that the amount has left my account and sent to the recipient 's bank account at XXXX XXXX XXXX. XXXX claims the deposit should be credited to my XXXX account within 2-3 hours ... Coinbase claims it should be credited within 3-5 business days. However, I deposited to my XXXX account and regardless, it 's been over 3 business days. I have filed a support ticket with no response for 3 days, and have filed an escalation to no response as well. I have not received any reply from the parent company Coinbase or XXXX regarding this. A wire reversal has not even been issued. I just want my money back now. 

XXXX Case # XXXX
I got a certificate of {$500.00} from Chase bank to open a checking account. I sat with a representative for one hour and she tried to put my accounts online when she told me she had to abort the opening of the accounts. This same process has happened XXXX times with Chase bank. I submit docs for direct pay and 3 to 4 months later they close my accounts without a legitimate reason.
My mother lent me a loan in order to pay my Capital One Platinum card & Quicksilver Card. They reversed the payment after my brother questioned the payment. They accused me of fraud & closed both my accounts.
how many days are in billing cycle ending XXXX/XXXX/17 exact number please and how many from XXXX 2017 exact number please
I received a letter from Transworld Systems Inc with an address in XXXX XXXX XXXX and in XXXX XXXX stating that they are collecting a debt from XXXX XXXX XXXX. I contacted XXXX and the representative verified that I owe no money and that they do their own collections in-house. I checked online for other complaints against Transworld and read of many other folks who they are also trying to collect monies from for nonexistent debts. I believe that this company knows that I do not owe any money and are trying to defraud me. Will you please try to stop this criminal activity. Thank you.
The added late payments to my account and I submitted all the papers needed. They told me to dispute it online and I did. I just want the late payments taking off my account. Ive never had any before. And its effecting me buying a house.
i got hurt on my job and my employer took me to the doctor, then a year later a collection agency popped up on my credit report saying that i owe almost XXXX dollars, they didnt even call me or my employer to try to discuss or send any letters to let us know that workers comp hadnt or had paid, now when i try to validate they send me just some paper with my name on it and what i owe for.i ask why the didnt call me or my job or send any letters they say they didnt have contact info
Hello two months ago my Credit score was XXXX and Today it is reported as XXXX 0r XXXX. I want to know why? All of my accounts are current and up to date:1. I should have XXXX credit card lines = all up to date and current XXXX with a XXXX Balance Never late2. My name should be spelled correctly ( XXXX XXXX XXXX ) 3. I have a car loan all up to date never late4. Public Record? would need to know what is there5. A personal Loan ( up to date and NEVER Late ) Why is my score so low?
I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT XXXX AND SYNCHRONY FINANCIAL LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.
Equifax inappropriately shared my credit report with XXXX. 

XXXX charged me a {$100.00} deposit to not have my credit report pulled when setting up service with them. 
I paid the {$100.00} deposit to XXXX. 
XXXX requested my credit report from Equifax on XXXX XXXX, 2015, without my permission or authorization. 
Equifax provided my credit report to XXXX. 
I contacted XXXX to have this fixed. 
XXXX referred me to Equifax. 
Equifax said it is a matter of factual record that they gave XXXX my report. 
Equifax refused to remove this inquiry from my credit report. 

My credit score and report at Equifax are being negatively impacted, due to their innappropriate release of my credit report. 

XXXX still has my deposit money.
I sold a property in Florida 3 months ago. Today I received a call from the broker who did the closing asking me to pay a household insurance for $ XXXX.that was part of the selling agreement. My realtor with the broker check all paperwork and they told me that everything was in order and we finalized the transaction. I am a XXXX citizen living in Social security and cant afford to pay that sum with my actual income. Do I need to pay for their mistake?
Bank of America hired a firm to sue consumer in Texas and obtained a default judgment. Consumer was unaware of debt or lawsuit until XXXX when the judgment prevented consumer from obtaining mortgage financing. Consumer attempted to resolve the debt but was unable to obtain any information. Consumer hired attorney to assist. In XXXX attorney contacted Texas law firm representing Bank of America and after XXXX months of repeated requests for copies of the summons, complaint, default judgment and any statement for the account, no documentation was provided and Bank of America took back the account. For the next XXXX months attorney attempted to obtain documentation from Bank of America without success. A CFPB complaint was filed, and no response was provided. Bank of America refuses to provide any information about the account to any party and are unable to validate the debt.
Experian advised that they verified incorrect information reporting on my credit report. I asked for proof of the verification and was not provided any. I was advised that the information was verified, however I have never been supplied with any proof. After going to company that Experian alleges that verified information, I was advised in writing by XXXX XXXX and Bankruptcy court that the information provided by Experian is a lie because the courts do not verify information. XXXX XXXX also advised that they have not supplied Experian with any information regarding this incorrect information that is erroneously reported on my credit report. It is very evident that representatives at Experian are NOT verifying or validating any information, however are only responding with form letters without any due diligence.
In light of misuse or fraudulent access, a.k.a. breach of security, I request a new rule for credit bureaus, requiring XXXX XXXX. 

Some private companies implement XXXX XXXX on private systems in order to contract with the Federal Government. Why not US Credit Bureaus?
I got an alert on my credit file that my XXXX XXXX XXXX account was showing recent late payments so i called them and they stated they had been sending me statements to pay but they had the wrong address in which i have not changed my address so i wasn't sure where they had been sending my mail. Then they closed my account and i told them that i have been with them for awhile and why can't they fix the error that was their fault. 
I filed a compliant with XXXX XXXX XXXX and this is my dispute number XXXX.
When I received a letter from Universal Recovery Corporation dated on XXXX stating that I owed them money in the amount {$230.00} I then tried to negotiate and I was trying to settle a debt I allegedly owed and I sent them a letter that I was willing to negotiate and pay not the whole amount but {$150.00} ; the original creditor was from XXXX XXXX and was sold to this collection agency called Universal Recovery Corporation ; however, this agency has been harassing me calling my employer and leaving a voicemail not directly to me ; and calling my phone and my other friend multiple times leaving voicemail instead of replying back to me by mail. Today I received I letter stating that now I owed them XXXX ( please see the attached copy of the letter from Universal Recovery Corporaton and also my letter to them. Please Advise. Thank you.
Submitting this complaint on behalf of my father who is presently residing in a XXXX home..I 've sent a cease and desist later to LTD financial services pertaining to a debt my father owes ... I 've also explained to them that my father in no way shape or form can pay any debt do to his present condition and to please quit sending collections letter pertaining to this ... today ... XXXX/XXXX/2016 ... received another letter claiming to collect on this debt.. he is on a XXXX home due to suffering a XXXX several months ago and has no funds except receiving ssi ...
In XX/XX/XXXX our current mortgage provider was XXXX XXXX XXXX. In XX/XX/XXXX Ditech would take over. Payment for XX/XX/XXXX check # XXXX was mailed to XXXX check cleared back on XXXX XXXX. We have called Ditech to dispute XX/XX/XXXX payment with no resolution. Ditech has image of check and promised payment would get applied to account back in XX/XX/XXXX. Still nothing, at this time i am in the middle of a refi on a different property and the are requesting a letter from Ditech. Numerous calls with promises they will take care of it and no resolution.
There is a credit card charge off from Wells fargo of {$410.00}. and this was an account i never used.