WillisBack/dataset-financial-user-claim huggingface dataset:
I am a victim of a wrongful Foreclosure by Wells Fargo. In XXXX two loans were made in two mortgages ( deeds of trust ) : XXXX XXXX ( now is Wells Fargo for {$140000.00} at 5.25 % fixed interest rate ) AND XXXX XXXX XXXX  then sold to XXXX XXXX XXXXXXXX/NOW Who??? ( for {$44000.00} with fixed interest rate at14.25 % ) for a grand Total of {$180000.00} in mortgages that were approved for a home that was appraised at {$100000.00}. So the Loan was Under Water. My father was the Sole/Primary Borrower. At that time I was advised by the XXXX XXXX Loan Officer and by my father as his Power of Attorney ( POA ) to sign underneath my fathers signature so that He could be approved for the Loan. It was agreed that he ( my father ) was Solely Responsible for paying off the Loan and IF he died while the loan was in process the Mortgage Loan Insurance and/or his Federal Insurance Death Benefit was to pay off the Loans. If that failed OR there was NO Insurance the Loan Debt was to be Discharged. When my father died XXXX/Wells Fargo took it upon themselves and switched the names and put me as a Co-Primary Borrower on their letters and correspondence of and about this Loan so when he died they can THEN claim me responsible for paying the Loan Debt Instead of Discharging the Debt off ( Which they can Legally do! ) The switching of positions of the names on letters of correspondence and other letters dealing with the Loan Account and using that as their avenue to seize the Deed of Trust and therefore place the home under Foreclosure and Evicting me and my XXXX sister from the home on XX/XX/XXXX XXXXTheir action also has resulted in negatively effecting my Credit Score and Report by giving me a Very Low Rating. Two ( 2 ) Very Important Questions are answered right here : 1 ) Did the lender change/remove/replace the Substitute Trustee without your consent or permission? Answer : YES, the First Mortgagor XXXX ( Now Wells Fargo ) did. 
2 ) Has the lender provided an actual Accounting of the debt proving that the company will sustain an ACTUAL LOSS IF the Debt Loan goes UNPAID? 
Answer : NO, Wells Fargo REFUSED to provide a validation. They claim it is privileged information. 
Since I was just my fathers POA I had NO say in the matter either way so Since he approved I had to approve as well. The problem here is when he died Instead of Discharging the Debt Wells Fargo made me responsible for the Loan saying that I was Co-Borrower of the Loan which is NOT TRUE!!!
I have no outstanding debts and have received no written notification that anyone thinks I owe them money. This company has been calling me repeatedly every day using different numbers and never leaves a message so I do n't know who they 're trying to reach or why. Here is a list of the calls to date ( it is now XXXX XXXX on XXXX XXXX ) : XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX  XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Service XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have many inquiries that were checked in XX/XX/XXXX and XX/XX/XXXX and were not authorized by me if send letter to all the companies that checked the credit and no respond this is getting frustrating. I also called the credit bureaus and they explained to write letters which I did.
Last year i received a notice on my credit report from some company claims i owe {$500.00} dallors to them on an old credit card that was paid. Ive been working with a credit repair company to resolve this issue. This compa ny LV something claiming that i pay on an old bill that was paid will be going to court soon to dispute this matter which they claim that i have Circuit Court which appears on my credit record I 'm going to dispute that and get every penny of the money that I got coming back to me for them harassing me. Again I know nothing about this company and for them to be practicing I 'm going to turn them in and let the FBI do the work on them for ruining my credit report tha nk you
I received a XXXX XXXX pre paid credit card as a birthday gift on XXXX XXXX, XXXX with a {$50.00} balance. I called the activation number on XXXX/XXXX/XXXX and placed it in my wallet for future use. On Tuesday XXXX XXXX, XXXX I learned the balance was {$0.00}. I logged into the website and learned a transaction took place on XXXX/XXXX/XXXX from XXXX XXXX. I 've never had any dealings with XXXX XXXX and did n't authorize them to make a transaction. I called the XXXX XXXX Customer Service line on XXXX/XXXX/XXXX and explained the problem to the Agent. I received the Transaction Dispute form on XXXX/XXXX/XXXX @ XXXX from FSSGCWebInquiry XXXXXXXXXXXX. I ca n't provide you with the information for XXXX XXXX because I ca n't locate it on the internet and the XXXX company does n't provide that information on their transaction page. XXXX card states it 's issued by XXXX XXXX Bank and distributed and serviced by ITC Financial Licenses. 

The gift card dispute form says the dispute needs to be filed within 60 days of the transaction, but that 's impossible to do since I did n't know about the transaction and XXXX XXXX does n't send a monthly statement indicating when transactions take place. I searched the internet and found this has happened to multiple people using the XXXX XXXX gift card and with the same XXXX XXXX transaction. The transactions are routinely made one day after a person activates their card. The card is never used anywhere so the common denominator is consumers using the XXXX XXXX company for the gift card and the XXXX XXXX company 's phone line to activate the account. I would like a full refund for this fraudulent transaction. I posted a warning on my facebook page and learned the same thing happened to a friend XXXX years ago with the same company. He also bought a " XXXX XXXX '' card from XXXX XXXX, the account was drained and InComm denied his dispute. I searched your website and found other claims against ITC Financial and one of them describes a similar situation that I encountered.
A Walmart credit card account was recently added to my credit report with a balance and a history of being opened for 6 years. I have never opened any account with Walmart. I do not have any Walmart credit cards. I barely even shop at Walmart. My credit score has decreased by 11 points and my account inquiries have increased. This is unauthorized!
Bureau Name : SYNCB/WALMAR Age : 6yrs, 2 months Balance : {$590.00} Date Reported : XXXX XXXX 2017
MOHELA 's director XXXX XXXX and Assistant General Counsel XXXX XXXX ( most probably an Unregistered Foreign Agent ) have repeatedly contacting me demanding payment for an alleged loan they say I owe. I have already sent them USPS Certified letters stating that I am the creditor as per 15 USC 1692 ( A ) ( 4 ) and that I do not have a signed contract with MOHELA. I have never given them my  personal information, much less my social security number. Furthermore, MOHELA does not have a business license and Debt Collector Bond required to do business in Maryland. They are engaging in fraud, exhortation, harassment, mail fraud and I demand them to STOP. 

I filed an Identity Theft Report. I am going to file mail fraud for using the U.S. mail for their illegal debt collection practices under 15 USC 1692 ( E ) ( 1 ).
My husband and I rented a house from XXXX XXXX XXXX  of XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. 

After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX XXXX XXXX. 

We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ). 

Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. 

At some point, XXXX XXXX XXXX sold that alleged " debt '' to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to XXXX, XXXX, and Experian. 

We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as XXXX XXXX XXXX directly. 

We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. 

We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. 

We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX XXXX  who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). 

We have notified all four entities of our intent to file suit against them. 

And we have sent FS 627.4137 pre-suit demands for insurance information in preparation of that lawsuit. 

Incredibly, none of those things has gotten their attention. XXXX  has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. 

We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
I ca n't find out which company reported derogatory information to Equifax. They list it as XXXX XXXX reported through XXXX. XXXX has on indication of back due debts. I have no idea who or what XXXX is? They apparently are the culprits and I ca n't contact them. Equifax is not helping by giving me the info I need. I do n't think they even know.
I pulled my XXXX credit report and found XXXX hard inquiries on it that are affecting my score which were NOT authorized. Both inquiries are from GC Services and show business type as " other collection agencies ''. XXXX inquiry is from XXXX XXXX, 2014 and the other is from XXXX XXXX, 2014. I did not apply for any credit through GC Services and did not authorize this. As a collection agency, a soft pull would have been appropriate which would not affect my credit score. I had no further dealings with this collection agency. I request that these hard inquiries be immediately removed from my XXXX credit report.
FIA Card Services has been calling me on my cell phone and at my job for about 3 months. They have called me sometimes about 10 times a day. They have my Bank of America credit cards under XXXX different accounts instead of XXXX. They have called me with a XXXX area code on through away cell phones.
I received a foreclosure letter several months ago in XXXX. It was showing missed payments but not on correct dates. After finally figuring this out through my lawyer, the payments were caught up to date and the payment went directly through the law firm so there was a definite payoff trail. In a letter dated, XX/XX/XXXX it is stating we know have a forecloser date of XX/XX/XXXX stating again, the old amount and saying there has been no payment since. I have the payoff that my lawyer sent directly as well as every cleared check for each month after. 

Before, we were on autopay and never had this problem. As soon as we filed bankruptcy they canceled that even though no other company did. This was simply an opportunity for this company to hope we defaulted due to our perfect auto debit record so they could take advantage. 

I would appreciate, as I have already told this company, to have my auto debit reinstated and my account open to me. If my account can not be accessed, how am I suppose to know what has been paid and when it cleared. Closing access to my account due to bankruptcy that does not even affect this company is absurd. They are only trying to take advantage of a hard situation. 

Attached is the payoff in XXXX as well as the additional three payments the company is claiming I missed. You can clearly see all payments are made and have cleared my bank.
XXXX XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection activesand provide the verification of the purported debt. I need a physical copy for my records contract, proof of claim, I NEED SOME FORM OF DOCUMENTATION FOR MY REVIEW.
I made an small investment, around {$150.00}, into bitcoin through the wallet application know as Coinbase. I was allowed to add my bank no problem, be charged for my transaction but am constantly being refused ID verification, with an error message reading that I do n't have enough presence in public data. I have a valid ID, a Valid bank account with which i invested already but dont have enough presence to be given the same treatment as someone else verifying their ID. I would like to have free range on my investment and not be locked in to a system that only allows me to invest but not profit.
Went into XXXX hospital ER in XXXX texas previous years. All bills paid by XXXX. Then out of nowhere I see pro collect collection trying to collect on the ER visits for XXXX XXXX XXXX XXXX. I never received anything from the XXXX XXXX XXXX. I was never informed. I went to the hospital patient administration and asked why did n't they use my insurance they said they had nothing to do with this particular company for the doctors XXXX XXXX XXXX XXXX XXXX only covers XXXX. I 'm trying to get pro collect to send me a legal authorization letter saying they can legally collect for XXXX. I called the so-called number For XXXX and the lady told me they do n't exists!!!??? there are XXXX items on my credit concerning this.
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
IN XX/XX/2016 WE STARTED A RE-FFI WITH XXXX. WE WWERE TOLD THAT WE DID NOT NEED TO MAKE THE XXXX PAYMENT. THEN ON XXXX XXXX CALLED AND SAID THERE WWAS A PROBLEM AND WE NEEDED TO PAY XXXX MORTGAGE PLUS THE LATE FEES ... .HHE SAID HE WOULD REIMBURSE US XXXX WE DID NOT NEED TO MAKE A XXXX PAYMENT. WE GOT LETTR FROM XXXX SAYING NEW MORTGAGE HOLDER EECTIVE XX/XX/2016 WOULD BE SPECIALIZED LOAN SERVICING WTH ACCT XXXX. SO WE SET UP SLS ON AUTOMATIC PAYMENT WITH THE PREVIOUS NAMED ACCT NUMBER. XX/XX/XXXX WE RECEIVED A LETTER FROM XXXX THAT THEY ARE OUR NEW SERVICER WITH THE ABOVE MENTIONED ACCT XXXX. WE TALKED TO XXXX 4 TIMES. PAYMENT FROM LSL HAS NOT BEEN SENT TO THEM. WE HAVE RECEIVED 3 LETTERS FROM XXXX AND XXXX PHONE CALLS SAYING WE ARE LATE. SLS HAS OUR MONEY. XXXX SAYS THAT THEY CA N'T FIND THE MONEY. WELLL DAHHHHHH ... ..SLS HAS IT AND THEY WONT GIVE IT BACK. 
SO AS OF RIGHT NOW : WE OWE {$2700.00} PLUS NOW OUR TAXES ARE LATE BECAUSE NO ONE HAS OUR MONEY.
I found these entries erroneously entered on my credit report. I disputed them will all XXXX credit bureaus and they were removed for lack of evidence to substantiate the debt. A few months later, they were back on my credit report and disputing it did not remove them. 

I believe this is from a security deposit that was paid through a third party vendor for my apartment at XXXX. If it was n't paid, I would not have been able to LIVE in the apartment I lived in. I know that the apartment was clean and did not have big cleaning needed to facilitate the use of any security deposit. 

First, I 've never received notification of an attempt to collect this debt. Second, there previously was n't enough information to substantiate the debt via all XXXX credit bureaus, so where did the proof come from? Even the apartment complex could n't provide me proof that any debt was owed. Lastly, I have never received any proof or communication from either the apartment complex or the third party collector attempting to collect this debt and negatively affecting my credit.
On X/XX/2017 I contacted all 3 credit bureaus to dispute inaccurate information reporting on my credit report. I supplied them with the accounts in question and it is now XXXX XXXX 2017 and I have not heard from XXXX  or Equifax at all regarding these matters. Additionally, XXXX 's only response to my dispute was to send me a copy of my credit report with nothing to show the outcome of my disputes in question. This is completely unprofessional and a violations of my rights as consumer. This inaccurate information has kept me from obtaining new credit. Please remove it immediately. I have attached each letter that went out to the credit bureaus to this complaint.
The school I was attending XXXX College suddenly closed on XX/XX/2016. the school works with a private lender called XXXX . Since the school unexpectedly closed I was unable to finish the XXXX program that I enrolled in. This lender still wants me to make payments on a this loan for the full amount when I am no longer in school nor did I finish the program. The school was issued {$7700.00} and only {$5000.00} something dollars of this loan was added to my tuition the remaining balance of the stipend checks that I refused were supposed to be sent back to the lender. When I contacted the lender they are telling me they never received any funds back from XXXX College. I have called numerous times and spoken with numerous agents regarding this matter and the agents keep stating that they still need a response back from XXXX and someone will contact me at a later date. I feel as if the school has taken the remaining money and has no intentions on returning. I can not get answers from the school as there is no one working there anymore to get answers on this matter and XXXX is stating that they want the whole amount on this loan to be repaid. In my school handbook it states that if the school unexpectedly that my loans would be forgiven. If you can please look into this matter I would greatly appreciate it.
I was called by someone from a company called XXXX XXXX claiming to be working with the department of education. They told me that through Obama Student Loan forgiveness they could freeze my student loans, guide me through reducing my monthly payments and ultimately get me a $ XXXX monthly payment, but I would have to work with another company ( Equitable Acceptance ) to monitor and/or help me through this process. I was told that this company charges about {$1300.00} for me to get this help. Payments would be broken down to $ XXXX/month and that I would need to make my first payment upfront before they could begin their processes. They then told me they needed my FSA ID and made me confirm my challenge questions. The result I was promised was that after the 3 years that {$1300.00} would be paid off and my students loans would then be forgiven. I was nave enough to believe all this and I agreed to the terms. My student loans were never frozen and this company has been continued to charge me monthly. I have not heard anything from them at all and not received any guidance on helping me with my student loans at all.
I am complaining about XXXX and Navient who steered me into economic hardship deferment and forebearance and made things difficult for me pertinent to income-based repayment now that I am out of time remaining for forebearance and economic hardship deferment. I am XXXX and I am in the process of seeking loan forgiveness.
On XXXX XX/XX/XXXX, I learned that my ex-wife has a Navy Federal Credit account and car loan. I called Navy Federal several days to figure out how she had an account, because in order to have an account, you have to have a sponsor in the Military with their social security card number, account number, rank, and full name. During the phone call with Navy Federal, the first person told me that my ex-wife opened the account in XX/XX/XXXX. Please note, the ex and I were legally separated XXXX XX/XX/XXXX. The second person I talked to, after an hour on the phone, took me off as the ex 's sponsor, but declared that the ex using my information " was not fraud. ''