WillisBack/dataset-financial-user-claim huggingface dataset:
This case was dismissed in court against me for this company on XXXX/XXXX/2016 case number XXXX because it was passed the stature of limitations. I did forward this information to all XXXX credit bureau. I did not dispute that it was not mine but that it was dismissed in court. They responded with this message. XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX : ( XXXX ) XXXX. I am disputing the fact that my report should have been updated and it should show as no balance due on all XXXX credit reports for me for this Charge Off. The balance ( and past due/or past due ) on this account is incorrect it should say {$0.00} since it was Charged Off.
My car was repoed on  XXXX /2017. I received notices of the car auction date and time and what I need to do if I wanted to keep my car. on  XXXX / XXXX /2017 I received a letter from Cohn , Goldberg & Deutsch collection agency on behalf of  XXXX . It stated I had 30 days to dispute the validity of this debt or any portion thereof, and I did just that. The first certified letter I sent was to confirm that debt belonged to me  XXXX / XXXX /17 I then received the initial contract from   XXXX   XXXX   XXXX   that I signed. I then sent another certified letter on  XXXX / XXXX /2017 requesting Under the laws of the State of ( Maryland ) UCC ( 1-103, MD COML ) and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I requested copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
If no such proof is provided within 14 days of receipt of this notice, the alleged claim of a deficiency will be considered and null avoid.I received a phone call from   XXXX   XXXX   stating that they received my letters and that they notified  XXXX  for an update but to their understanding, the car had n't been sold. The third certified letter I sent was on  XXXX / XXXX /17 notifying them that they failed to verify my request within the 30 days and by law, they have to remove this account from my credit report. I then received a letter from   XXXX   on  XXXX / XXXX /17 of a {$8300.00} deficiency balance and another letter from Cohn , Goldberg & Deutsch , LLC on  XXXX / XXXX /17 saying I have a deficiency balance of {$16000.00}. I followed all the proper procedures and kept a paper trail of the communication line on behalf  .
Under the FCRA, my credit report is supposed to reflect information that is 100 % accurate. As it stands, my credit report is reflecting inaccurate addresses, names, accounts, etc. The accounts in question are tied to addresses that are not mine. I have sent numerous disputes and will move to file a lawsuit for the damage the inaccurate reporting is causing if it is not rectified immediately. I have sent countless letters, disputes, uploaded my ID to each Bureaus Corresponding website, mailed proof and still inaccurate reporting of my name, address, and accounts are reporting on each of the reports. None of the reflected, " defaulted '' accounts showing balances could personally locate any files with my namesake and information, so how are each of the bureaus reporting? What is the method of verification? If this can not be furnished accordingly via signed contract bearing my signature, they must be deleted immediately. XXXX is not a reliant source for updating credit reports with unverifiable information.
I got my annual free credit check and when I look on there I seen XXXX address that are not mine, also it was a name that I did n't recognize on my credit check too, I would to investigate any fraud accounts in my report.
Optimum Outcomes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX XXXX it's reporting this saving and checking account as loan that's incorrect it should be reported to XXXX not into TransUnion.
I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Pennymac Loan Services LLC. 

The root of the situation is that Pennymac Loan Services is reporting my mortgage opened on XXXX XXXX, 2012 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. 

The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. 

The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Pennymac. 

I have provided documentation to Pennymac for over a year, just to fall on deaf ears and not have any of my calls returned. 

Pennymac has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Pennymac. 

Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. 

I am begging you to demand that Pennymac Loan Services send me a letter of apology for these violations of my Civil Rights. 

Additionally, please have them immediately remove any reference to Status - Included in bankruptcy from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. 

Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you. 

Please notify me immediately of the positive results of your investigation. 

It is my wish that you have a very safe and happy new year! 

Sincerely,
Working with XXXX XXXX CEO XXXX XXXX who directed me to XXXX XXXX a higher up in the Ohio. I need 6 months of relief. I have {$100000.00} in equity. I have owned home for 13 years I don't want to have to sell it.
Equifax allowed their system to be breached resulting in the loss of highly sensitive personal identification information on 143 million consumers. That is approximately 57 % of the entire 18 and older population of the USA. The information lost is a keystone on the USA financial industry and puts the consumers and the USA in significant danger. The current reaction from equifax is wholly inadequate. Who is protecting us and how will equifax be held accountable
I have XXXX items that are being reported on my credit reports that are identity theft. I just received and e-mail from XXXX that they are not reporting the XXXX accounts that were opened up frauduently in my name. I am waiting to receive an updated report from transunion to confirm this information as last month 's credit report shows the XXXX accounts are still on there. I have been disputing this information for months now with XXXX/equifax/XXXX. I am submitting a complaint because Equifax nor XXXX are addressing this issue and my credit score is being affected due to identity theft.
I 'm having extreme difficulties with Stonegate Mortgage Company that has been ongoing for the past 3 months. I have a current XXXX loan that is open and still pending because of discrepancies with the contractor ( I have proof, pictures, and the HUD Consultant as a witness ). My loan officer at the bank in charge of the Construction loan is XXXX. I have even tried to reach out to her Sup XXXX to no avail. This is my very first property and I have no prior experience with any of this so I have called them repeatedly for someone to explain every detail to me but they have refused to take any more of my calls. I ca n't move tenants into my building and have been covering the bills alone because of this. I ca n't afford another month I have been trying to seek help. I have asked XXXX was there anyone else at the bank or anyone in management that I could speak with and she told me no. The HUD consultant has supplied her with pictures as proof and the amount not to pay the Contractor. I have since terminated the Contractor because due to the circumstances I no longer trust his word or his work. XXXX insists on paying this contractor every last cent of the balance she states that the HUD consultant told her to pay him. The HUD consultant, XXXX, and I have all been on several conference calls throughout the past week in which I have specifically heard and seen the paperwork in which he stated the amount to deduct for a new contractor to come and repair items that were done unsatisfactory. I do not know why there is a disconnect and I was told to stop calling only to correspond through email ( I have proof ). I just want the work to be done completely and accurately by a new contractor and do not feel that I should have to pay for the damages out of pocket. The HUD consultant agrees and has provided pictures as well as spoken with XXXX about these complaints. I was told to just take it up with arbitration. I 'm not at all pleased with the amount of service that I 'm receiving it is degrading. I will be filing a complaint with the BBB as well as looking to refi with a different company because Stonegate has left such an impression that I refused to deal with them one moment longer than necessary
Equifax received my notice of disputeXX/XX/XXXX. The dispute was not open until XX/XX/XXXX. By law, they were suppose to open a dispute and notify the creditor within 5 business days of getting my dispute. The dispute was resolved XX/XX/XXXX and I was never notified.  Today is XX/XX/XXXX and I still have not received any notification of the results. My consumer rights have been violated and I will sue if this mater is not resolved immediately. This entire process has caused me tremendous undue emotional and financial distress. An account that is not mine reporting on my credit report and Equifax is giving me the hardest time to remove it. No other credit bureau is reporting this erroneous account.
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Resurgent Capital Services Original creditor : XXXX XXXX XXXX XXXX ID XXXX Amount {$340.00} Customer service department I am disputing the validity of this debt. The dates are incorrect. 
XXXX XXXX XXXX XXXX XXXX has parked an old debt on my credit report and is Reporting it as a new debt, reaging my original debt. The date has been altered. As per enclosed letter from Resurgent Capital Services they can no longer sue me for this debt because of the age of the debt. The age has been adjusted making it appear only 3 years old and it is still posted on my credit report. This is in violation of the FCRA Act. I'm disputing this debt with you and with the credit reporting agency if these dates are not corrected I will be forced to sue for these violations along with actual damage, punitive damage, attorney fees and cost. 

Copies to : File a complaint FEDERAL TRADE COMMISSION Headquarters Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX Telephone : ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX
I applied for a mortgage modification and was declined in XX/XX/XXXX due to income. I later received information that my home was being foreclosed. My lawyer stopped the foreclosure. I was later given another court date. I submitted another modification request I XX/XX/XXXX before my court date. The judge did not foreclose my home but Wells Fargo refuses to help me save my home by doing a modification. The servicing company for Wells Fargo is America 's Servicing Company. My income has improved for my husband and myself that is now stable.
On XX/XX/XXXX, I received the enclosed letter ( dated XX/XX/XXXX ) from XXXX, XXXX, requesting payment of {$350.00} which they stated is past due. I dispute this debt. 

In XX/XX/XXXX, the debt was paid as follows : Date of Check Check # Amount Date Posted by AVANT XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$6800.00} Posted by AVANT : XX/XX/XXXX XX/XX/XXXX Check # XXXX {$130.00} Posted by AVANT : XX/XX/XXXX TOTAL PAID : {$13000.00} I received an email dated XX/XX/XXXX which stated my payoff amount on XX/XX/XXXX would be {$13000.00}. As shown above, I paid the loan BEFORE the deadline, and they then emailed on XX/XX/XXXX, advising that I owed an additional {$130.00} by XX/XX/XXXX. The final payment was received by Avant on XX/XX/XXXX. 

On XX/XX/XXXX, I received an email and advising that I owed {$610.00} by XX/XX/XXXX. I telephoned AVANT and was told this was an automated email and not to worry about it, since the loan had been paid in full. ( Confirmation in attachments ) On XX/XX/XXXX, I received another email advising that I owed a payment of {$610.00} by XX/XX/XXXX. Because this email was identical to the automated email of XX/XX/XXXX, and I knew my loan had been paid in full ( see three checks above ). I did not respond to this notification. 

On XX/XX/XXXX, EIGHTEEN MONTHS after the last email I received, Avant emailed me that my payment of {$6.00} is due on XX/XX/XXXX. Because this email was almost identical to the automated emails of XX/XX/XXXX and XX/XX/XXXX, I, again took no action. At no time after XX/XX/XXXX, did AVANT notify me in writing that my final payment of {$130.00} did not get my loan paid in full. The email of XX/XX/XXXX says {$6.00} is due. Where did that number come from? 

More importantly, how did {$6.00} suddenly become {$350.00} between XX/XX/XXXX and XX/XX/XXXX, the date on the enclosed letter? 

Furthermore, I have received 19 more automated emails all of which have different amounts saying payments are due. I have replied to their emails, called them, sent certified letters and received no response from an actual employee, only the attached automated emails. And now apparently I owe over {$1000.00}. 

I paid the loan balance of {$13000.00} in XX/XX/XXXX. I do not owe {$350.00}.
The XXXX County Recorder recorded a Federal tax lien on/aboutXX/XX/XXXXfor {$200000.00}. The Federal statute of limitations time limit has run out on this debt and should have been dismissed/removed on/about XX/XX/XXXX. I contacted the IRS and received no response. I have contacted Experian on their website several times on XX/XX/XXXX &XX/XX/XXXX and consistently get locked out of their system and get an error message that their system has encountered an error and to try again later, which has stopped me from filing a dispute and getting a copy of my credit report.
After three attempts to refinance a balloon HELOC that comes due and payable in XXXX XXXX we have been denied any modification on our 2nd mortgage. We have attempted to ask for modification XXXX before and after an eminent bankruptcy in an attempt to keep our home. When starting a XXXX in XXXX XXXX it was recommended to us by an XXXX Bank that we should use the equity in our home as a XXXX loan in lieu of applying for an XXXX loan. The loan is written as a true balloon that comes due and payable in XXXX XXXX. It is our understanding that it is now illegal to write a balloon such as this. Through tough economical times we have lost our XXXX and are having difficulty paying the HELOC as a result. XXXX The XXXX always paid the HELOC ) Knowing we were faced with an eminent BK we first reached out to ask for a refi in XXXX XXXX with a different lender but were unable to be approved because WaFed was unable to release our credit rating to the repositories. WaFed had taken over the book of business after XXXX XXXX ( the original lender ) was taken over by the FDIC. By XXXX of XXXX, knowing BK was eminent, we applied for a modification with WaFed asking for help and fully disclosing the BK but were declined. We filed XXXX in XXXX XXXX. In XXXX XXXX, we once again contacted WaFed and asked if they would be able to help us modify our HELOC now that the BK would be discharged and released and were told that they would not be willing to work with us and that we should contact our attorney.
I was never contacted by this company. Not by mail or phone. Then a family member was contacted. I did n't even know they were trying to contact me because I was never call and never received any type of mail or communication. 

On XXXX XXXX, 2017 the contacted a family member whose number was not on the account and they would n't of had any access to. 
A name was given and then when I returned the call I was n't allowed to speak with that person. 
They refused to tell me how they got the family members number and why I was n't contacted.
I never signed nor endorsed any contract or applications that created any inquiries with the listed corporations, agencies, and or companies .Someone has unlawfully used my name, unambiguous information and endorsements that attempted to established the herein accounts without my, knowledge, authorization, consent and or signature. Possible endorsements were used on commercial applications without my consent, permission and or knowledge. 
I did not authorize the inquiries that are highlighted in the attachment. Equifax refuses to remove the items further sating that the unauthorized inquiries are a matter of record. Additionally, I would like any information that was sent to Equifax from the companies deemed as verification per my rights per 609 ( a ) ( 1 ) ( A ) of the FCRA. I did not authorize the following inquiries ; XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax also failed to do a proper investigation into this mater further violating my rights as a consumer.
hunter Warfield is refusing to abide by the fcra. they are using bully tactics to prevent me from purchasing a home. I requested a variation of debt from them and I never received it. after I finally found what and who they were collecting for I was dumb founded that a year after the origination of debt I would be hit on my credit. now the significance of this being that make it seem to a lender that this is a fresh debt when it 's more than a year old. this a violation of the fcra as well. after speaking to a customer advocate she explained that thy would ensure I could make no purchase of a home or car unless I paid them. I have expressed willing to pay once it was an agreed on amount. the verification of debt must contain invoices. I have seen no such thing. now, it 's only right that hunter Warfield remove this from my credit file since they have no way of back dating the actual occurrence. I have a right to refuse establish my credit after I have hard times. this company is reporting this at this time to keep me from doing so
In XX/XX/XXXX I received a loan from Dollar Loan Center in XXXX, CA. I was assisted by employees XXXX and XXXX at the time of applying. During the process I asked both XXXX and XXXX what were the XXXX tables their company charge in interest. I was never given any XXXX explanation from XXXX or XXXX. From XX/XX/XXXX to XX/XX/XXXX I paid XXXX dollars on a XXXX dollar loan. I called numerous times to speak with XXXX and XXXX to ask why the principal of the loan does n't reduce after each by-weekly payment of XXXX dollars and what was in interest charge I was paying since no one explained the APR on the loans they offer. I was never given a clear response from either employee. I was notified after calling every week in XX/XX/XXXX that the XXXX rate I was charged for the loan is XXXX %. I was very upset that I was never informed of the APR associated with the loan. I had maid on time payments for XXXX months not knowing the exact interest I was bring charged. This is very shady and deceptive business practices by Dollar Loan Center. I asked XXXX why she did n't answer my initial question of the XXXX that her company charges. I was told by XXXX that they can only explain their fees by a daily fee charge. I asked XXXX what XXXX in percentage will be to calculate the interest charge. She refused to do so. I never received any documentation explaining I will be charged XXXX % for the loan. I experienced a economic set back that would make it difficult to make the high payments I was making each month. I called and spoke with XXXX and explained the situation to her. I was informed by XXXX that Dollar Loan Center does not work with their customers to make payment arrangements or help reduce the interest. I was told to speak with her XXXX XXXX. XXXX informed me that if I wanted to terminate the loan i would need to pay back the whole XXXX dollars and that the XXXX dollars I have already paid was interest on the loan. Now, After speaking with XXXX, I received daily phone calls from XXXX and XXXX to make payments on the loan after explaining to them that I ca n't and need their help to arrange something but they refused. The phone calls continued daily from different phone numbers and even blocked and private numbers. I asked XXXX why was he calling me from a blocked number if he is calling to collect a debt. I was told by XXXX Dollar Loan Center makes that decision. My wife was also called numerous times even though she was never part of the loan or application. I asked XXXX why he and XXXX are calling my wife and giving out my personal information to her if she is not part of the loan. XXXX replied he can tell her anything since I am married to her. I informed XXXX that is not correct. I was told by XXXX if I had a problem with that to call his XXXX XXXX. Now, Dollar Loan Center is threatening to sue me for XXXX dollars after I have already paid XXXX in payments.
I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX AND XXXX  AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT CAR LOAN IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT, I DID NOT MAKE OR APPROVE OF THIS CAR LOAN WITH WELLS FARGO DEALER SERVICES. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.
XX/XX/XXXX XXXX -- " Bank of America XXXX BankAmericard said they never received my payment of {$88.00} due on XX/XX/XXXX and sent on XX/XX/XXXX. This was just discovered today when I went to pay this months bill. I just called and talked to XXXX in NC she said they never received my check payment. So I was charged {$25.00} late fee and {$3.00} interest. Is anyone watching to see if there is an uptick of late payments to this company? Who knows what happened to my payment BUT " Bank of America '' just made a lot of money off my payment that conveniently never showed up. I might have to look into " BIT COINS '' or other forms of payments.
I have XXXX issues with a collection on my credit report ( XXXX ). # 1 ) I have tried numerous times to get this collection off of my credit report and the company keeps selling the debt to a new collection agency so it continues to show up on my credit report ( proof attached from XXXX ) # 2 This debt is over XXXX years old and was included in my bankruptcy, which is supposed to make it to where the collection agency can not contact me. They continue to contact me to try to collect on this debt ( Proof attached from Convergent Outsourcing bill collectors. They should not be allowed to send me a bill nor put it on my credit report as a new collection. This debt is over XXXX years old and I would like the collection agency to stop sending me bills and remove the debt from my credit report. Credit report also shows collection was included in bankruptcy ( Proof attached ) Please help me because I have been dealing with this for about 7 years now and they will not stop selling the collection to other agencies. I would like it completely removed from my credit report.