WillisBack/dataset-financial-user-claim huggingface dataset:
My ex - wife used my name to get into a apartment without my knowledge. We have been separated since XXXX, I never lived under this address. The divorce was finalized XX/XX/XXXX NATIONAL CREDIT SYSTEMS Account Name XXXX Account Number Collection Account Type Joint with Responsibility XX/XX/XXXX Date Opened Collection account. {$6800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$6800.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$6800.00} Balance Updated XX/XX/XXXX
XXXX XXXX placed a lien on XXXX XXXX 's home. XXXX is deceased. The lien is related to a debt XXXX XXXX purchased from Bank Of America. These credit card accounts do not appear as a trade line on XXXX 's credit report nor did they appear on any of her loan application for XXXX loans acquired AFTER these accounts were opened. XXXX XXXX is unable to provide ANY evidence that this debt belonged to XXXX XXXX XXXX signed credit card application and credit card statements. XXXX was in her late XXXX at the time and had been XXXX. These lines of credit are totally inconsistent with her life long credit history. She NEVER was into credit cards. She was a miser and did not spend money frivolously or frequently.
On XX/XX/XXXX I disputed the debt that Carrington Mortgage Services , LLC was alleging due to the fact that I had cancelled the loan transaction on signed " notice of right to cancel '' dated XX/XX/XXXX which was also filed in XXXX County, NM via the Truth In Lending Act. In this same letter to Carrington Mortgage Services , LLC I not only informed them of the cancelled loan I requested that they close the acct and not to contact me any further whether through calls, letters or sending people to my property. They instead responded on XX/XX/XXXX with a letter addressed to me with slander and lies which I do indeed deny and threats against me including fraud and prosecution. Meanwhile telling me to pay the debt as a solution. They are continuing to harass me by mail. I will include their letter dated XX/XX/XXXX as requested.
I am the victim of identity fraud. Someone used my identity to open an account with XXXX but I don't know who this person is or where the account was opened. I filed an Identity Theft Report with the Federal Trade Commission under penalty of perjury and received back an FTC Report Number and confirmation that they accepted the report. I then contacted Experian and requested a seven year extended identity fraud alert. I supplied them with the request, a copy of the FTC Identity Fraud Report,  my driver 's license and a recent utility bill to verify my address. However, they denied my request for the extended identity fraud alert. Their reason was " The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( s ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. '' However, filing a false Identity Theft Report with the FTC under penalty of perjury does, in fact, subject me to criminal penalties if the report is false. Therefore, it meets the requirements of the FCRA. Can you please investigate Experian policies in this regard and determine if it is violating the law and, if so, impose appropriate sanctions. Thank you.
I use Rushcard services for my military XXXX deposit, my money goes in on the XXXX and I try to pay may bills but the card is decline. The card I 'm using expiration date is XXXX. So I call customer service and they say the card no longer works because the new card they sent out came back to them for the wrong address. I tried to explain to them that my card is good til the end of the month but the service rep told me that 's how their system works. Even though I have to accounts with them I still can not touch my money. Now the rep tells me to verify my address so I did, the rep then says the card would be in the mail in 2 days. Those days have pass and still no card because they sent the card to the wrong address again. We are now on day 3 and I 'm told they sent it to the right address and ups got it wrong. Mean while I have XXXX accounts with them and they would not make my money available to me. I have child care, cable bill and etc that are due when due otherwise there are no services. A rep sent me an email at XXXX stating they know how frustrating it could be and I might have a card in 3 to 5 days but if I need my funds immediately to leave them my contact information so I left my contact information and now there 's no reply.
On   XX/XX/XXXX ,  I purchased a vehicle a   XXXX   XXXX   XXXX    from  XXXX  of Georgia. On   XX/XX/XXXX , I found out the vehicle was no good meaning the motor and catalytic conve rter was gone out. I took the car back o n    XX/XX/XXXX  less than 24 hours later after purchase also being told at the  time I sign the contract that I had 72 hours to return the car if I decide I did not want it. When you bring the vehicle history up on this vehicle connected to VIN   XXXX   may have been recalled. Check full report for more information vin #  XXXX  ... this comes up. I was told by  XXXX  who is now working for   XXXX   XXXX   XXXX   in   XXXX   XXXX  , GA the vehicle was sold and they had already receive a check for the vehicle. I ask who was my finance company and she replied Automobile Acceptance. On   XX/XX/XXXX  , I went to the finance company in  XXXX , GA and told them that I no longer wanted the car and that I have 72 hours to bring it back and I was well within the 3 days and the credit manager replied they had already electronically sent  XXXX  check and conveniently   XXXX   closed down everywhere. The credit manager said it would be a repossession if I return the car so she convince me to keep the car. It became very hard to maintain the car and the payments so I voluntarily gave the car back. The car has been charged off on my credit and now Automobile Acceptance are suing me for almost $ 15k with 12 % interest. I was initially tried to be served in  XXXX  county   XXXX   XXXX  , Ga but when I went to  XXXX , GA Magistrate court and was the served with this civil suit, in which ; I find illegal and unethical. I will upload s upporting documents that will show the vehicle loan was charged off.
Hi my name is XXXX XXXX XXXX I own my own business and have struggled in life to make things right to have a better life, but when I tried to correct my issues regarding repairing my credit notice so much inaccuracy on my credit report that has to be removed. and notice that on the XXXX report I have XXXX Hard Inquiries and on XXXX XXXX hard inquiries that have to be removed.
several occassions even after my supervisor has ask Con serv to stop calling they continued and disclose i owed substantial amout of money
Ordered a First Progress Credit and submitted {$500.00} as security in XX/XX/2014It took a many weeks for them to process the card. 
I never went over the credit limit set with my deposit of {$500.00} but they immediately started charging fees and interest on my money. 
I called to ask about this and was told that is their policy. I cancelled the card in XX/XX/2014. They continued to send me bills. I called again and sent them a letter in XX/XX/2014 to again try to cancel. They sent me a letter agreeing that they would cancel. They said I owed them Approximately {$60.00}, how I do n't know since it was my money. 
I reluctantly agreed and they said they would send me a final bill. 
It is now XXXX and I have called a number of times. They continue to send me bills adding on interest and charges even though account was closed. 
They are very unresponsive and I feel that this Company is scamming people. 
They are very untrustworthy and prey on people trying to reestablish their credit.
KEEPS CALLING MY WORK, CELL AND FAMILY MEMBERS AND SKIP TRACING AND ILLEGAL BACKGROUND CHECKS. THEY HAVE VIOLATED TCPA, FCRA, FDCPA.
XXXX XXXX acct # XXXX, financed a car I purchased for {$13000.00}. I put {$2000.00} down payment and after making payments of $ XXXX/mo for a year the payoff balance was still approximately {$13000.00}. This predatory loan was impossible to refinance. It was never disclosed that the loan was intetest only upfront before any principle was paid. This loan would cost approximately {$23000.00} for a {$13000.00} car. Had this been disclosed as required by law I would have declined. This is textbook racketeering.
Please reference last complaint from Capital One Subject : Your submission, [ Case number : XXXX ] XXXX XXXX from Capital advised she would listen to calls and would get back to me with an answer but never returned my calls. I tired teaching XXXX XXXX from Capital One but was unable to reach her at the number she provided, every time I would call the line would be busy and so I would reach out to someone else at Capital One only to be advised that they tired and the line was busy. Capital One has left me in a financial mess with my other creditors, they refuse to reissue the Access checks/ reissues the checks they returned due to fraud on my account. Capital One also has false advertisement about the Access checks I was told I could use the checks for balance transfers, but the limit was never disclosed on the letter as to how much only the interest rates/ special offer to get 12 months of 0 percent interests rates.
I notified Synchrony Bank -XXXX  that the inquiry made on my report is fraudulent. They sent a ambiguous letter which is non responsive and ask for information already provided.
I keep receiving continued calls ( many times per week ) from the following number ( XXXX ) for a debt owed by my adult son who does not live with us. I have told at least XXXX different people to stop calling and they promise that they have put our number on a do not call list, but they continue to call.
On XX/XX/XXXX, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX opened a file on my credit report in the amount of {$450.00}. Opon learning of this in XXXX or XX/XX/XXXX, I called Portfolio Recovery to report that this debt has been paid as per a settlement with XXXX XXXX, now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX XXXX I moved in XX/XX/XXXX from XXXX  to XXXX  and I never received a final letter from XXXX XXXX showing that the settlement had been fulfilled however I did have other documents showing that I had made an agreement and that I had fulfilled those terms. I was told to contact XXXX XXXX the original creditor for resolution. I did and sent all supporting documents. They claimed this wasn't sufficient and I proceeded to contacted XXXX group several times to resolve this. repeatedly being left on hold for long amounts of time, being told I would be sent a letter, never to receive anything, finally today XX/XX/XXXX I spoke with XXXX  who was formerly XXXX XXXX and requested again a letter showing I had paid this debt and requesting that they report this accurately to XXXX  XXXX and the credit agencies, they took my request and stated I would receive the letter in 30 days but could doing nothing else. Isn't this their responsibility to report accurately?
Quicken Loans has been the best mortgage dealer we have ever worked with. 
But now they are telling that it is going to take 2 days to draft electronically. Really? Does this sound right to you? Are they going to be benefitting financially by creating a two day slush fund? 

" Due to some recent changes going into effect on XXXX XXXX, 2016, the recurring payments you have set up through MyQL may take up to 48 hours to draft from your account. 

For example, if you make a payment on Monday, the deduction will reflect in your bank account by Wednesday. However, it 's still important to ensure that the funds are available on the day your payment is made. 

You will continue to get credit for making the payment on the day it was scheduled. There will be no late fees associated with this timeframe change. ''
To Begin, On XXXX, XXXX XXXX XXXX filed a NOD, notice to foreclosure, than SLS became mortgagee as of XXXX/XXXX/XXXX, or a few days later on our property at XXXX XXXX XXXX XXXX Ca, XXXX, for over {$43000.00} and forced us me and my wife ( XXXX And XXXX XXXX ) into a chapter XXXX Bankruptcy filing date was XXXX/XXXX/XXXX case number XXXX, we paid the trustee and SLS ( specialized Loan Servicing ), we paid every month on time, while in payment plan SLS, records a notice of rescission, we ( XXXX and XXXX ) have a proof of claim recorded for {$6200.00}, SLS was called by XXXX, SLS indicated months we were behind after notice of rescission *, we then paid SLS, both payments, the mortgage payments and the {$6200.00} in the payment plan, at discharge all payments were made to SLS for regular mortgage payments and {$6200.00}. 
Now case is discharged see attachments, we receive latter dated ( XXXX XXXX, XXXX ) stating we owe {$42000.00}. Our account is current, as XXXX/XXXX/XXXX we have been getting statements from SLS that indicates our balance, the last statement we received on XXXX/XXXX/XXXX indicates our XXXX payment is {$2800.00}. When we received this letter this past Saturday ( XXXX XXXX ). Imagine how we felt when reading this letter, knowing it is totally wrong and inaccurate. 
As Mentioned above, this has happened to us in the past with XXXX and SLS, going back to XXXX. In XXXX XXXX, filed an NOD [ notice of default ] indicating we owed over {$40000.00} in past due amounts, and we had to file for Chapter XXXX Bankruptcy to save our house, when we never owed that amount. We were in BK for years, and were discharged early this year. We have NEVER EVER MISSED A PAYMENT, and so here we are again with a letter threatening to " Default Notice and of Intent to Foreclose '' and stating we owe {$42000.00} when we clearly received a statement stating our XXXX XXXX payment is XXXX. What is the problem, it 's like someone or something is not communicating within SLS this company is frustrating, the holiday season here we just want to live in peace in our home and not receive letters indicating Default Notice and of Intent to Foreclose, when we are current with our payments, especially when we just received a statement indicating we are current? 
A different issue with SLS, is charging a late fee of {$100.00} for XXXX XXXX payment, the payment is due on the XXXX of the month with a grace period to the XXXX of the month, if the XXXX is on a non-banking day payment is due the next banking day which was XXXX/XXXX/XXXX, the date of payment. 

XXXX XXXX did not agree to the amount, but a POC was filed for {$6200.00}
I have contacted Portfolio Recovery Associates over ten times. I have informed them that this is a direct result of Identity Theft, and I have faxed them Police Reports and emailed them, and have since faxed them everything twice. I have sent them letters, disputed with the reporting agencies, and since they have re-aged the debt to make it appear new, and have changed the account numbers. I AM OUTRAGED AT THIS!
On XXXX XXXX, 2017 a certified letter ( see attached ) was mailed to Experian about the public record reporting negatively on my credit report. In this letter it describes how maintaining this unconfirmed, unverified, and erroneous public record on my credit report has stopped me from obtaining credit and has caused financial damages as a result. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL FURNISHER, they must remove said information from the consumer credit file. I have called the clerk of Court and also obtained written evidence supporting the fact that Experian despite what it says in it 's response letter did not obtain information about a Bankruptcy from a credible original source. Experian continues to maintain incorrect unverified accounts on my credit report but by far this reporting is the more egregious of them all. Experian is in direct violation of Federal Consumer laws put in place to protect the integrity of the reporting process and consumer 's rights to fair and lawful reporting. Experian sent a response letter dated XXXX XXXX, 2017 stating the public record was " verified and accurate '' which is a complete fabrication. ( See attached ) Experian of course will never be able to provide me copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature because it NEVER CAME FROM THE ORIGINAL SOURCE AS THE FEDERAL LAW REQUIRES. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), Experian is required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. 

So Experian must be calling the County Clerk a liar because the evidence is clear that this information was illegally obtained by nefarious ways to malign my good name and credit and is clearly a violation of ethical proportions.
Checked my credit report and noticed these negative items with Diversified consultants with no knowledge as to who this company is, this account is labeled closed an has no vlalidity.
I need XXXXXXXX XXXX Experian to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their phlebotomist was in training, he poke me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXXXXXX + {$530.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$460.00} Needs Attention CXXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported :XX/XX/XXXX + {$100.00} Needs Attention
Bank of America is declining legitimate charges because of fraud. I have tried to get them to stop claiming everything is fraud when it is not, but they refuse to assist me. I called it today and they wo n't help me ( after getting routed around repeatedly ). I have no problem with being protected against fraud, but this is not protection. Legitimate charges are being declined and it creates a significant headache and a lot of effort for me to fix, not to mention a lot of wasted time.
My loan is with provident funding.

On XX/XX/XXXX my automatic mortgage payment was received by the lender. They returned the payment due to the payment being short based on their new escrow requirements for taxes and insurance. I did not realize the payment had been returned until XX/XX/XXXX. At which time I spoke with a rep, and logged onto their site and immediately made the updated payment.

I know lenders have the ability to accept payments that are short on escrow, and they also have the ability to waive a late fee in a case like this where payment WAS actually made, and fully covered P & I, as frankly escrow as well. The increase in payment is a forecast. After speaking and emailing with the company they still want to charge a late fee of $ XX/XX/XXXX on a payment of {$1100.00}.
Repeatedly, since and before XX/XX/XXXX, EXPERIAN has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that EXPERIAN provide the ( 1 ) method of verification EXPERIAN utilized, the ( 2 ) name and address of the furnisher to whom EXPERIAN sumbitted and received the investigation report, the ( 3 ) bona fide, true, correct, and complete, document, contract, agreement, authorization upon and through which EXPERIAN asserts that my affirmative consent has been or was given and EXPERIAN has continuously refused, failed, and ignored my demands for EXPERIAN 's compliance with federal law. Instead EXPERIAN sends to me a credit investigation report in which EXPERIAN reports 05 of 06 disputed inquiries REASONS as " Unspecified. This inquiry is scheduled to continue on record until ... '' and 01 of 06 as " Auto loan on behalf of XXXX. This inquiry is scheduled to continue on record until ... '' I have no knowledge of any of these inquiries AND i certainly have NOT requested an auto loan from nor through XXXX!!! As recently as XX/XX/XXXX in EXPERIAN Report number XXXX, EXPERIAN is still actively reporting and selling to its subscribers inaccurate, unverified information!
I have lived in my home since 2005. However, I suffered a loss of income and got behind and got behind on my mortgage. I have regained full employment and have tried to get assistance from the mortgage, but have been denied. 
The only option they propose is a short sale. When asked the reason for the denial the answer is " the investor XXXX '' has not given authorization. When contacted, XXXX says the bank has the responsibility. 
This is very confusing and frustrating. I do not want to lose my home. 
A previous compliant was filed last XXXX. However, the CFPB representatives have been unable to locate the results.
I have sent XXXX certified letters to XXXX requesting validation of the debt that they claim I owe and have STILL not received a response. The XXXX letter was signed for on XXXX/XXXX/2016 with no response. The XXXX was signed for on XXXX/XXXX/2016 with no response. I have not received validation for this debt nor has the company placed a consumer dispute comment on my credit report within 30 days of receiving any of my letters. This company is in violation of the FCRA. I have attached all letters that I have sent along with the certified letter receipt ; It has been four months with no response with validation of this alleged debt.
The original creditor is  XXXX   Store Card.  The problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of  XXXX / XXXX . On the  XXXX  report it shows the chargeoff don e in   XX/XX/XXXX  , on  the  XXXX report it shows that i was in good standing with them during that time. It also has no close date on  XXXX  or  XXXX . No high balance recorded on   XXXX   or  XXXX . No visible Account number, it is completely blocked out. On Transunion, it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all  XXXX  credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to them o n / XX/XX/XXXX to h ave the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. Thank You