WillisBack/dataset-financial-user-claim huggingface dataset:
Date:XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Equifax, XXXX I am writing to dispute the following information in my file. ( XXXX XXXX # XXXX ). According to section 609 of the FCRA the item is inaccurate and falsely reported onto my credit file. I am requesting that the item be deleted. 


Again please reinvestigate this matter according to FCRA section 609 and delete the disputed item as it states the consumer has protection against false and erroneous reporting. Furthermore the creditor is responsible for providing a copy of the orginial creditors documentation. I requesting for the items mentioned above be removed immediately. 

Sincerely, XXXX XXXX
Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX acquired my mortgage loan earlier this year. They notified me that my insurance had expired in XXXX in error ( my policy was in effect until XXXX XXXX. I tried repeatedly to get in touch with them by registering on their website and then each time I tried to log on I had to reset my password but the code they emailed me did not work. I finally reached someone to let them know that I had insurance and that I was renewing upon the expiration of the policy as I have done each year for the last 8 years. The next month I received additional calls saying my insurance had expired and when I finally reached someone they said that I had XXXX to cover the interior but no exterior coverage -- exterior is covered by my condo association which is handled by the property management. This was communicated to SLS by me and the property management company. I was informed later that month that they had received that notification and to ignore the prior correspondence ( XXXX XXXX, 2016 ). In XXXX I received an analysis of the escrow payments that did not reflect any escrow payments that I have made in my monthly payment ... the payment is set at {$1600.00} for each to cover, e.g., in XXXX 2016, {$490.00} in principle {$100.00} in Interest and {$12.00} to be put in escrow for the $ XXXX/month tax payment. This month I have received a statement saying that my payment is now {$1700.00} with an additional charge of {$100.00} for escrow/insurance. I attempted to get in touch with them over the weekend -- could not log on and no response via phone and there is no email address on the website -- and finally reached someone today to find that they have made a payment for insurance for my property -- when I have my own insurance. I did not authorize them to purchase the coverage and I have my own coverage. They have increased my monthly mortgage payment by {$100.00} -- this is criminal. The website does not work, there is no email address, they are purchasing insurance without authorization, they are not responding to requests, they are requiring that customers fax in requests or mail in requests or complaints which gives no record of the communication. The personnel is incompetent ... one person I spoke with could n't even figure out how to spell and kept laughing about the situation. This is obviously a scam -- they are purchasing insurance on loans without notification ... and they are creating a wall that prevents customers from getting in touch with them to straighten out the situation.
1. XX/XX/XXXX Hurricane XXXX hit the Florida XXXX. 

2. My home at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX was damaged. 

3. XX/XX/XXXX I filed an insurance claim for flood damage. 

4. XX/XX/XXXX I met with the flood insurance adjuster on my property. 

5. XXXX XXXX, XXXX I received a check from XXXX XXXX XXXX XXXX -- a payment under building property coverage. 

6. In a meeting with Wells Fargo representative on XXXX XXXX, I was told that I must deal with XXXX XXXX XXXX XXXX Department. 

7. XXXX XXXX, XXXX I sent a letter to Wells Fargo Home Mortgage Property Loss Department, along with the endorsed insurance check in the amount of  {$39000.00} and a request that all communication be in writing and a request for {$5900.00} for my out of pocket expenses to that date for home repairs. 

8. XXXX XXXX, XXXX I received a call from Wells Fargo XXXX XXXX Department. I was told that I needed to set up a payment account or no insurance funds would be released. 

9. I asked for this in writing. The lady said she could not do that.
Facts : 1. Wells Fargo has filed three foreclosure suits against me.
2. The first suit was withdrawn.
3. The second suit was dismissed.
4. The third suit is an active litigation which does not mean they are right or will win.
5. This conflict has been on going for about ten years.
6. The insured property was damaged.
7. There are existing health and safety issues on the property that need to be addressed and repaired. 

8. Funds are available to repair the property, but they are being withheld by Wells Fargo.
9. Wells Fargo is not the note or mortgage holder. Well Fargo is the servicer.
10. Wells Fargo is withholding flood insurance funds underwritten by the Federal Government by way of FEMA that need to be applied to proterty damage.
Dates XXXX to XX/XX/2018 ALLY FINANCIAL INC : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : XXXX  : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : Letter sent out got back with me on XX/XX/2018 with documentation with all my information stating I requested a car loan. None of those documents had my authorized signature on them. 
XXXX XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX  XXXX via XXXX : Letter sent out haven't got back to me.
I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - XXXX, Trans Union , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.
My house is in escrow and also up for auction by PennyMac. The bank has been unwilling to allow an extension since the house is scheduled to close five days past auction date. We are seeking payoff instructions but the bank has been unwilling to provide. I 've called daily and provided all necessary supporting documents. PennyMac has not provided any assistance to help us resolve the loan.
XXXX and Equifax are reporting a Chapter XXXX Bankruptcy on my report, I request an investigation because I had not filed for Bankruptcy. Equifax answered back that it was verified, by a 3rd party vendor XXXX. I reached out to them to find they report whats in public records and it is the responsibility of Equifax to match the information to the Social Security number see letter attached. Whats worse is Bankruptcy are not recorded in XXXX XXXX County Public Records. XXXX did the same thing allthough they never gave me as requested the name address and phone number of the parties reporting the Chapter XXXX to them. In my last correspondence with Equifax and XXXX i sent them a copy of a Bankruptcy search for records form that showed i had not filed Bankruptcy see attached. They just ignored the Bankruptcy Clerks findings and continued to report the Chapter XXXX
My mortgage loan servicing apperantly was transfered to a new servicing company - my automatic payment was deducted from my checking account by a company I have never heard about before. 

Both transferor servicer and transferee servicer failed to comply with the requirements of the paragraph 1024.33 of Regulation X - I have never received a notice of transfer. 

I would like CFPB to pay attention at these two servicers and audit their compliance with the regulations : XXXX XXXX XXXX XXXX XXXX Thank you!
Applied for a personal loan through lending tree, was contacted by a XXXX XXXX from XXXX XXXX XXXX @ XXXX, then onto a direct number @ XXXX out of Georgia on XX/XX/18. He stated I could set up a loan to pay off some hospital debt and clear up my credit, with a personal loan. I had to purchase insurance for it, by linking my account with XXXX XXXX XXXX  purchases totaling {$800.00}. He says they mobile deposit through your bank account login with a check from XXXX, XXXX for the {$800.00} to make it credited that day. Then the routing number is set up for the loan/automatic payments, and you reset your login/password. The deposit becomes fraud, and is not accepted by the bank. He said they write reports to the FTC to report for credit scores, therefore trying to convince the consumer into a loan program for helping you. 
I also received a strange threatening voicemail from an unknown caller in a voice altered tone, the day after blocking both numbers. Just said ( my name ), your next. I was being bombarded with loan offers and still continue to get calls and emails, so Im not sure if this was related. After applying through lending tree, I felt preyed upon being a low income single parent
good faith estimate changed 3 times and interest changed right before closing. My funds to close went from XXXX-XXXX then to finally close with the total needed XXXX need to know why on a low money down loan with 6 % seller assist I needed that much money to close and why I did not get credit for the appraisal I paid for when I was told that I would. I feel that Quicken loans overcharged me by XXXX and changed my interest rate from 3.85 to 4.125 when they claimed the lock in had expired. This loan was a nightmare to close and almost cost me the sale of my mobile home and the purchase of this house in the process.
on XX/XX/XXXX2019 a federal tax return was directed deposited to a brand new Netspend pre-paid visa card. that same day 16 transactions were made against the card totaling {$500.00} which I never made. the co that made these withdrawals was XXXX co/XXXX Netspend has not given me an provisional credit and says the investigation can take up to 90 days, another card was opened and I had to fight with Netspend to transfer the remaining {$800.00} onto the new card. In the meantime my state tax refund was issued on the XXXX of XXXX and sent by direct deposit to a new card. Netspend says they have no record of it arriving. It was for {$210.00}. I was told by the state to check with the bank if it did not arrive by the XXXX. I can't check with XXXX as the account it goes to is Netspends than to the individual cards. If I call netspend they charge me to find out the balance, they charged me for transferring the money that was left on the bad card, every person I talk to tells me something diferent. I have gone in and checked the reviews on this company and wish I had done it before I opened the card as they have over 5000 complaints, a lot of them for the same thing that has happened to me. It is obviousd that someone working at Netspend is responsible for the fraud as my card was in a drawer and had never been used. I wasn't expecting my first5 direct deposit till XX/XX/XXXX2019 so had no way of knowing it had it had arrived the night of the XXXX and the fraud was committed on the XX/XX/XXXX.. They said is was signature purchases which doesn't require a card and it was done without the card. In order to put money on the card you have to show I.D . So I am being lied to. This company should be investigated completely as a lot of people have lost a lot of money because of them
I used my money for a down payment with the loan originator XXXX XXXX on behalf of Sun West bank. Im a home owner of two properties so I was informed this way my wife XXXX XXXX account # XXXX they committed fraud against me. They also used fraudulent documents
THIS COMPANY WAS PRETENDING THAT THEY ARE ONE OF THE XXXX CREDIT BUREAU IF IM NOT MISTAKEN, THIS WAS HAPPEND TODAY XX/XX/2016 AT AROUND XXXX, THEIR WED SITE IS ; XXXX IT TAKES TOO LONG TO LOGIN, THEY ALWAYS ASKED ME A LOT OF PERSONAL QUESTION, REPEATEDLY, THEY OFFER ME TO FEE {$1.00} TO INCRESED MY CREDIT SCORE, AFTER I PAY THE {$1.00} USING MY DEBIT CARD, MY PHONE RECIEVED A MSG REPORT FROM THE BANK COMPANY THAT " TU*transunion Plus 8 " CHARGE $ XXXX..AFTER A FEW MINUTE, I CHECKED AND REVIEWED THEIR WEBSITE POLICY, TERM & CONDITION & THE PRIVACY ITS LIKE ILLEGAL XXXX SO I CALL MY BANK TO DISPUTE THE TRANSACTION, AND I CALL THE TRANSUNION PLUS, BEFORE XXXX WITH THIS # XXXX BUT IT WAS THE ANSWERING. AND I CALL AGAIN AT XXXX, AND A LADY ANSWER ME, TELLING SHE IS A SUPERVISOR ( IN A NICE VOICE ) FROM TRANSUNION CREDIT BUREAU, I TOLD HER I NEED TO DISPUTE THE TRANSACTION THAT U CHARGE ME {$29.00} INSTEAD {$1.00}. AND SHE SAY WHY, THIS IS IMPT, WHATS THE REASON? AND SHE SAY MAYBE YOU NEED THE {$9.00} PLAN/MONTH. I SAID I DONT NEED IT, I WANT MY {$29.00}, AND HER VOICE STARTED TO WAVED. I TOLD HER THAT I REVIEWED YOUR PRIVACY POLICY IN YOUR WEDSITE AND YOU ARE NOT AFFLIATE IN THE XXXX CREDIT BUREAU. AND THE LADY SAYS AH OK BYE.. AND WHEN I TRIED TO OPEN OR LOGIN TO THEIR WEBSITE BECAUSE I WANT TO DELETE MY INFORMATION BUT MY ACCOUNT WAS SUSPENEDED ALREADY.. I NEED SOME HELP TO REMOVE MY PERSONAL INFO IN THEIR WEBSITE.. 
THANK YOU..I HAVE A PRINT IN MY CREDIT REPORT FROM THEIR WEBSITE I PRIENT IT..I CAN NOT DOWNLOAD THE FILES, I TRY LATER TO DOWNLOAD
First Recovery ( XXXX ) has been harassing me and my family, friends and calling me at work for a payday loan from 2012 ( file # XXXX ). 
This debt never happened that I recall.
So I have had a loan from Infiniti Financial since XXXX XXXX. I have been making my payments through the bill matrix system since that time. There are times when I make the payment using the bill matrix online and the payment does not process all the way through but I get a confirmation number. Usually I have to call back because I notice my Payment does n't post in my bank account. Well this last time in XXXX I made the payment on Friday XXXX XXXX XXXX at XXXX. I figured the payment had n't posted because they do n't process payment on the weekend or on holidays which it was president 's day on Monday. I got a call from them saying my payment did n't post and that I am now 31 days late so they have reported my account Late to the credit bureaus. I should not be reported late to my credit report as it was a system error that occurs quite often when I do it. It is incorrect for them to report me late when it is their system that is causing the issue and I have never been 30 days late on anything ever and they are refusing to remove late When it is their systems fault.
I have had my private student loan through XXXX and then navient. They would constantly call my house and my grandfathers house stating I was delequent on loans even though when you talked to them they looked at your account they seen it was current. Also have only a XXXX loan the interest is so high that i have paid almost {$200.00} a month for 5 years and still none of the principle has decresed. I also have federal loans im paying i cant afford a this payment that does not do anything but pay interest to this company. I can not build a life like this im XXXX and still have nothing to my name because of this. This company been a nightmare.
1. In addition to not receiving notice of right to dispute, 2. The law firm Machol & Johannes LLC is repeatedly submitting legally insufficient filings to the Defendant ( s ) they serve 'Complaint For Money Due. ' For example, in order for the 'Complaint for Money Due ' to be legally sufficient their filings fail to comply with Rule XXXX ( XXXX ). Machol & Johannes LLC did not attach alleged contract to the complaint, as required by New Mexico law, nor did they serve the alleged contract with the complaint. Therefore, it is legally insufficient if the 'Complaint for Money Due ' does not have the alleged contract attached. They MUST be served together to be legally sufficient. Machol & Johannes LLC does not comply with Rule XXXX ( XXXX ). They do not attach the alleged contract to the 'Complaint for Money Due ' that results in their improperly serving Defendants. 
3. Machol & Johannes did not prove ownership that it is the holder in due course thru chain of title, as also required by law. 
4. Instead, Machol & Johannes attached their XXXX Offer Form to make payment arrangements to 'Complaint for Money Due ' that was served to defendant instead of the legally required alleged contract. This is a deceitful business practice and an attempt by Machol & Johannes to make their payment form appear like a 'legal ' document. This is shameful that the New Mexico courts, do not carefully review how Machol & Johannes are serving defendants. 
5. Machol & Johannes take advantage of Defendants who are not represented by attorney because they assume Defendants do not know the laws and or court rules. 
6. Machol & Johannes attorney, XXXX, continued to send me excessive emails after I notified her not to contact me via email due to security/privacy issues. XXXX ignored numerous emails to discontinue communication via email and to continue to contact me by regular mail instead.
I have  four  hits on my credit report from AR Resources. I have a Payment plan. I have paid them over {$340.00} since last  XXXX . I do n't understand why they put it on my credit report. That sucks. It 's the only thing on my credit report as of now. I do n't believe this should be on my credit report. it 's a total of about {$200.00}. I have kept my end of the agreement. Please remove from the credit report. If I actually do owe you money, please call me and I will take care of the " so called '' money owed. Seriously, AR Resources. My credit would be excellent if it was n't for AR not taking the hits off my credit report.
On XX/XX/XXXX, I received an email through my school email about a job. I applied for it and then had an online interview with the company on XX/XX/XXXX. I went through with the interview and was given the job. They then sent me a check of {$1400.00} on XX/XX/XXXX for the materials that I needed and asked me to send a majority of it to the company they work with to get the materials I needed for the job at the companys discount price. I sent {$1200.00} on XX/XX/XXXX through XXXX XXXX and the total came out to be {$1300.00}. Later that day, they sent me another check for {$1900.00} and asked me to do so the same the next day. On XX/XX/XXXX, around XXXX XXXX, they asked me to send them {$1400.00} through XXXX and wanted me to buy 5 {$100.00} XXXX gift cards and that is when I realized it was a fraud. At that point, I knew the checks were going to bounce and I immediately called my bank and XXXX XXXX and told them about my situation and Chase said that they couldnt do anything because the money was sent through XXXX XXXX. I then called XXXX XXXX and they gave me a case number to give to the police. I called the police and told them everything. I had my mother go talk to the bank in person to see if there was anything they could do and they said that it is possible that I wont have to pay the {$1300.00}, but there was still a chance that I was going to have to pay it. On XX/XX/XXXX, I received a letter from chase bank saying that the issue with the {$1400.00} check was resolved, but on XX/XX/XXXX, both checks bounced and Chase refuses to pay. Chase proved that it was truly fraud, but they still wanted me to pay anyways. They were supposed to protect me and look into the checks before depositing it into my bank account. I had no idea that the checks were fraudulent. They looked like regular checks to me.
I have a private loan with a co-signer through Navient. I have been making auto payments for as long as I can remember and I check my bank statement every month to make sure the payment was made. I get an email notice from Navient each month telling me they received my payment and when my next payment is due. My co-signer is getting calls twice a day about the payments not being made. I have contacted Navient asking that they no longer make the calls to the co-signer and am told that they wo n't ; the next thing I know my co-signer is receiving calls again. I do n't have a street address as to where I can sent a certified letter asking that they cease all calls as it seems that the verbal and emails are not getting the point across. I am so tired of dealing with Navient, I have asked that all my loans be consolidated and they tell me that the can only consolidate the Federal Student loans and not the private loans, even though they are the lender that holds both loans. My school is n't listed below it is XXXX College - XXXX XXXX Minnesota - the only campus that is listed for Minnesota is XXXX.
I originally disputed an error on my Transunion credit report on XXXX XXXX, XXXX where they were showing a XXXX account as a collection account. I am a XXXX customer and I originally verified with XXXX that this was an error in reporting, they agreed, and told me to dispute the error with Transunion. Transunion never responded to me within the 30 day time limit as required by the Fair Credit Reporting Act. I sent Transunion a follow-up letter on XXXX XXXX, XXXX and they never responded until XXXX XXXX, XXXX! As per FCRA I want the item XXXX reported and that I disputed removed permanently from my credit report since Transunion did not respond to my original dispute dated XXXX XXXX, XXXX.
In XXXX my mother was clinically diagnosed with XXXX XXXX, her drivers license was taken away and she became unable to care for herself. Immediately following this diagnosis, my mother became a victim of XXXX, fraud and identity theft. In XXXX XXXX XXXX of my sisters took advantage of my mothers illness and applied for a reverse mortgage through Wells Fargo Bank. 

In XXXX I filed an official police report on my mothers behalf. A warrant was issued for my sister, but she fled the State. My sister fled to another State, where she was eventually arrested, convicted and sentenced to federal prison for several financial related crimes that she committed in several other States. 
In XXXX I became my mothers court appointed conservator and guardian. For the past 3-years I have been cleaning up the mess that my sister and other siblings have caused. 

I have written Wells Fargo numerous letters regarding this case. They have not even considered my mothers illnesses, nor have they even bothered to investigate this matter on their end. I was able to receive a full copy of the original reverse mortgage application. The loan documents are a clear indication that my mother was confused and did not know what she was signing. This is evident by the fact that several times she signed her name wrong, signed her name in the wrong place, and or did not sign all of the required documents. 
In my opinion the notary and or loan officer should never have proceeded with the process.
I believe I 've been the victim of a timeshare fraud in XXXX, XXXX XXXX XXXX, On XXXX XXXX, XXXX I entered into an agreement with XXXX XXXX and XXXX XXXX XXXX. They agreed to pay me {$15000.00} for my residence at XXXX XXXX, which I purchased in XXXX, if I paid them {$110000.00}. The transaction was headed by a gal name XXXX XXXX and XXXX XXXX. I have included all the pertinent contact information for both XXXX XXXX and XXXX XXXX, the contract and all the information, pertaining to my dispute, which I sent to my credit card company. I 've also included the emails I just received from XXXX XXXX. 

The reason I believe it is fraud, is that the same thing happened to another person with whom I had a conversation, and the exact details of my experience were the same as theirs. They employed the services of an attorney and finally were able to retrieve their money. 

The promise of this deal is that if I give them the {$11000.00} they will pay me {$15000.00} for my XXXX XXXX property within 90 days. The bottom line is that they get their money but for various reasons I will never see mine.