WillisBack/dataset-financial-user-claim huggingface dataset:
Cc : Attorney General in Texas To Whom It May Concern : I am requesting proof of the accounting and documentation required under Texas XXXX XXXX XXXX and XXXX statutes. I have been unable to have an account because of a supposed deficiency from a repossession that you reported on my credit report on XX/XX/2018, Account number # XXXX. I am asking you toremovethe repossession off my credit report. 

The laws of Texas and the Federal UCC require a full accounting of the sale and any deficiency. If the sale was not conducted in a commercially reasonable manner, or if I was not given full notice and accounting as required by Texas law, you are liable under the FCRA, for any damages caused by your agent ( TX ) s fraudulent reports to the credit bureaus. 

RECOVERY REQUIREMENT : As per UCC, repossession allowed without committing a breach of the peace. Repossesses must hold valid collection agency XXXX XXXX XXXX, Texas XXXX Department of Transportation, Division of Motor Vehicles, XXXX XXXX XXXX, XXXX, TX XXXX XXXX DOCUMENTS REQUIRED FOR LIQUIDATION : Title must be in lien holder 's name. Forward application for title accompanied by a certified copy of the security agreement and an affidavit of repossession. 

PLATES : Remain with the debtor. 

The company 's failure to provide me with verifiable proof required for by your company and The laws of Texas and the Federal UCC to post the accounts listed is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts.
I began the short sale process XX/XX/XXXX with Everbank Mortgage and XXXX. I submitted all requested documentation several times over and complied with all requests. Everbank approved the short sale XX/XX/XXXX. XXXX verbally agreed to an amount they would receive from Everbank. Then, XXXX sold the loan to XXXX who has now asked for over twice the amount that XXXX had agreed to and Everbank, who is the XXXX Mortgage, will not agree to more than {$6000.00} to the XXXX. Neither one is willing to negotiate to conclude the short sale and the only one that will be hurt by this is myself and my husband, who will now have a foreclosure on our credit. If the investor agreed to an amount with XXXX prior to them selling the loan at the last minute to another servicer, then why would n't the same servicer agree to the same amount? This is the new servicer trying to recover funds that are not available in a short sale. How was XXXX even allowed to sell the loan at the end of a short sale negotiation? This is unethical. I am asking you to please get involved to help get this short sale completed.
I 've received XXXX emails from Bank of America stating they have n't received my mortgage payment and for me to contact them as soon as possible. When I received the XXXX email, I called Bank of America and spoke with a rude person by the name of XXXX ( man ). XXXX verified that Bank of America DID receive my mortgage payment. I questioned XXXX about why Bank of America was harassing me with these emails on something that was n't even true!!! He refused to answer and became nastier. I terminated the call.
I have not received the new account sign up bonus of {$500.00} which I was promised would be deposited into my account within 30 days of meeting all qualifications. That 30 days is over and I still have not received the bonus. So request you to give me the bonus. The offer code I used while opening this account is XXXX. 

I contacted customer service twice. First time they said I had to wait 45 days instead of 30 days to get the bonus which is not true because the offer code emailed to be my the bank clearly says 30 days ( email attached ). Second time the customer service said the offer code is not attached to my account which is also not true because the application printout given to me by the banker at the time of opening the account shows the offer code attached ( printout attached ). Basically with Wells Fargo I am getting a different answer from different agents who are clearly clueless.
This alleged debt has been transferred several times and this new collection agency has gone a step further and has sent a bogus account detail statement that can not even be read as a piece of evidence stating it is my debt. This letter was sent to my previous address and since my husband died unexpectably in XX/XX/XXXX I have not pursued this but they have been ruining my credit once again and reporting this as a collection debt. The following documents will support this false allegation.
On the first contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.
I have disputed my debts several times with no resolution. i have submitted paperwork, affidavits and police reports. I need resolution on this as these accounts are fraud.
XXXX has on my credit report date open from XXXX XXXX on XX/XX/XXXX but first reported on XX/XX/XXXX and 72 months fin but on the other loan that was transferred open XX/XX/XXXX but first reported XX/XX/XXXX 72 months in which the loan was not finance on 72 or 73 months it was 60 Months There was no {$2000.00} written off as stated on my credit file. And  how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with Trans Union there is a charge off of {$1900.00} XXXX showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XX/XX/XXXX delinquency 120 days but closed XX/XX/XXXX last payment made XX/XX/XXXX XXXX closed out Loan as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
I had a debt in delinquency, which is on my credit report. That debt was sold to a collection agency, which is also on my credit report, so the delinquency is on my credit TWICE. I filed an online dispute with each credit bureau but the company - XXXX - responded that it is valid. My understanding is that the same item can not be listed on a credit report more than once. Thanks!
I just want my credit score, and none of the websites are allowing me to do so. It asks me questions that do not relate to me at all, Asking about loans I do not have etc, it usually asks questions I know the answers too since I am who I say I am, I just need some real help getting it, this is to complicated
I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.
I have had numerous medical bills from XXXX XXXX, XXXX, NC. These bills were turned over to Optimum Outcomes for collections. XXXX XXXX has made phone calls and provided documentation to Optimum that these bills are considered settled due to financial hardship on my part. Optimum Outcomes has not reported and/or provided documentation to me stating the account has been removed out of collections. These bills are standing in the way of me co-signing a student loan for my son for college. When I have tried to escalate my calls to speak to a manager I am always told that there is not one available
This is a charge for  XXXX  service, i had cancelled my service with  XXXX  and return the phones, i spoke to a representative by the name of  XXXX  and he advised me that i will not be responsible since i have return my phones, Please remove this inquiry as it is affecting m y credit score.
I have disputed accounts regarding verification of accuracy on my credit report, inwhich they didnt verifiy accounts nor within the 30 day timeframe.
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX  credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXXwith a report number # XXXX   for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX   Email : XXXX XXXX
Received calls at the following dates and times ( all times referenced are ET ) - XX/XX/2018, XXXX XXXX. - Private caller, no message left XX/XX/2018, XXXX XXXX. - Private caller, no message leftXX/XX/2018, XXXX XXXX  - " Toll free call '' XXXX, no message leftXX/XX/XXXX, XXXX XXXX - " Toll free call '' XXXX, no message left XX/XX/XXXX, XXXX XXXX. - Private caller, left message - recorded message ( not live person ) stating it was a debt collector and to press 1 or to call back at XXXX ) XXXX XXXX. - Private caller, no message leftXX/XX/XXXX - called XXXX at XXXX XXXX. ; automated system stated company was Waypoint Resource Group and there was an account associated with my phone number ; press 2 to speak with a representative ; no one available to take my call - did not leave a message XX/XX/2018 - called XXXX at XXXX XXXX. ; same automated system stated company was Waypoint Resource Group and again said my phone number was associated with an account ; pressed 2 to speak with a representative ; XXXX XXXX came on the line, asked who he was speaking with and I gave him my name, he asked my phone number, which I also gave him. He told me they were trying to reach someone whom I have never heard of. Mr. XXXX  stated he would note the account and remove our name/number.
Dear CFPB, Target / TD bank has been reporting a charge off on my credit report for years. I have tried countless times to call Target and have been unsuccessful. The negative mark has prevented me from purchasing a home and left me in the perpetual cycle of renting and being unable to build any type of financial security. I asked Target to verify this debt and disputed multiple times with various bureaus. They report that it is verified without sending me any information. This Target account could be any number of people with the same name. It is not my address. It has a XXXX balance and claims a payment was made in 2013 but they will not provide any proof or documentation to substantiate their claim. Would you please assist me in getting this charge off removed from my credit report immediately? Target has n't responded to any of my requests and I really need your help. I greatly admire all of the work you are doing to help the little people like me! Thank you in advance,
Credit reporting agencies of XXXX, XXXX and TransUnion are reporting an account for child support enforcement despite the fact that I do not have kids and do not owe child support. This account is reporting under account number XXXX and has all but destroyed my credit and good name and reputation within the community. Repeated disputes have fallen on deaf ears and been ignored.
Dear Chex Systems, After reviewing my records with Chex Systems ; I noticed that two checking accounts that were opened fraudulently are still being reported as having belonged to me. The account were from XXXX XXXX XXXX and XXXX Bank. I believe these accounts either belonged to an individual with a similar name that lived in the same city that I used to live in or somebody fraudulently used my information without my consent. I am requesting that you immediately cease reporting of these two accounts and that you purge all my information from being linked to the closed checking/savings account from your system. Failure to do so will result in legal action taken against your company in small claims court. I have never had a checking account with XXXX XXXX XXXX nor XXXX XXXX. If you have proof that I was the individual that somehow opened the account in question, please provide me with all the evidence for review so that I may provide an appropriate response. Please also provide me my Chex Systems score. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
1. XXXX has incorrect hard inquiries on my XXXX, XXXX, and Transunion credit report. They are showing inquires from XX/XX/16. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquires from my XXXX, XXXX, and Transunion report. The inquiry date is XX/XX/16. I would like this inquiry removed immediately as I did not authorize it.
A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agencies keeps reselling the account. Causing it to repair on my credit report. It is unlawful for a credit reporting agency to report inaccurate information on a consumer credit report.
I was advised by Well Fargo that XXXX XXXX, who made a mistake with my autopay, would not let XXXX XXXX take money out of my account. They reassured and promised me this. It is recorded. The next day, I had a XXXX balance in my checking account.
This number XXXX has been calling me for months. A message is never left and if I do answer its dead air. If they have something to say or have a legit bill, they can send it to my address. If they truly have an account of mine they should have my mailing address. The calls just need to stop now! I feel harassed by the calls.When I look up the number it says the company is XXXX XXXX XXXX.
OnXX/XX/XXXX I noticed an unrecognized charge of {$9500.00} on my Huntington Bank debit card made at XXXX. I immediately called Huntington Bank customer service that same day and was issued a new debit card and was told they would refund my money back, days later I received the debit card but the money still was not credited back to my account. I then proceeded to contact Huntington Bank on XX/XX/XXXXand was told it would take up to 10  business days to have the money refunded. It is now been more than 10 business days and I have not received the money that was stolen from me.
I pulled my credit report to find I had XXXX accounts reported from armada who collects for the XXXX clinic. These are doctor bills I did n't know I has so I called the company to try and clear these up with payments. XXXX was for {$76.00} and another was for {$87.00} they then informed me that they had several little bills in their office that added up to another {$200.00} that they wanted paid. The lady told me that if they are not {$50.00} or more they can not be reported to my credit but rather then owing them {$160.00} they now claim I owe them {$360.00}. I made a call to XXXX XXXX who said I need to write XXXX checks XXXX for each amount and submit a letter stating what I am paying and that they are to cash the checks and mark my account paid. I sent checks and letter XXXX/XXXX/15 and received them back in the mail on XXXX/XXXX/15 with a letter stating I need to call their office they are rufusing to take my payments.
My 4 private student loan amounts are increasing and the interest rate is going up. I took the loans out in XX/XX/XXXX, each of them have more amounts than the original loans. All 4 loans as of XX/XX/XXXX is more than the original loan amount. 10 years of payment, how is it possible?? I was few times late due to high payments, trying to juggle family, XXXX kids car payment, rent, Insurance. So many years of payment should count for something. I want to get out of thia situation and refinance but, it is impossible. I am set for failure. I will have pay this for the rest of my life.
In XXXX XXXX, we experienced a house fire. The insurance company cut a check for {$84000.00} on XXXX XXXX, XXXX for home repairs. Due to the amount of the check, Wells Fargo sent the check to their Property Loss Claims Department in XXXX SC. Wells Fargo lost the first check. We had to go through the process with the insurance company to cancel and reissue a second check. Since then, our family has paid XXXX out of our pocket and borrowed from family members to get work started and to continue work. And if we do n't have our first draw by Friday, we will have another {$3000.00} to pay out of pocket. We have resubmitted paperwork we thought was completed, without any follow up communication it was n't completed until we called back last week to check on the money. Thats when we found out we still had more to complete before they could issue the draw. We have talked to at least half a dozen different reps at the loss department, each XXXX telling us we had more to do to get the process moving up until last week. On Thursday XXXX XXXX, I asked to speak to a supervisor after I was not getting the assistance I needed. I spoke with XXXX XXXX on Thursday and Friday. She gave me her priority fax and direct line, and said the check would be cut on Monday, sent out Tuesday, XXXX XXXX, via Fed XXXX, to arrive on Wednesday. As of today, Wednesday, it had not been sent yet. I have now left XXXX voicemails for XXXX XXXX since yesterday to check on the first draw and get the XXXX tracking number to follow the check to us. She has not returned any of those calls. I can not understand how it takes 3 months to process a first draw of a check due to us after going through a house fire and maintaining XXXX houses, paying for repairs out of our own pocket. This is unacceptable.
On XXXX XXXX, XXXX, I called the customer service mortgage department at XXXX Bank. 
My call was to inquire about a {$14.00} fee that was added to my mortgage in XXXX of XXXX. 
I spoke with a woman named XXXX XXXX, who explained to methat due to my XXXX mortgage payment arriving 30 days late, XXXX Bank needed to send someone out to my home to see if I had abandoned my home. Because of this, I will be responsible for paying a {$14.00} fee. 
She proceeded to tell me that I am lucky to not have XXXX other charges since I am " always late. '' This concerned me because I have only been 30 days late with my mortgage XXXX time in almost 4 years. 
I also feel that XXXX Bank sending someone to " check my property " for signs that " I still live there '' was very intrusive. 
I was called as many 3 times a day in XXXX of XXXX as well as having XXXX letters mailed to regarding the same issue. 
I would like to have the {$14.00} fee removed. I would also like to know if the banking industry has the right to call multiple times, send letters and now come to your residence to spy for " signs of someone living there '' and charge the customer a fee for this?
XX/XX/XXXX my husband and I took an equity line of credit with Bank of America. We had a pre-existing 2nd mortgage with them for {$120000.00}. and a {$530000.00} 1st mortgage with XXXX XXXX ( whom is not XXXX XXXX ). At the time, the appraisal came in at {$750000.00} and so Bank of America gave us a new 2nd mortgage at {$210000.00}. 
We did not know that we could not finance 100 % of the equity in our home. We still have the XXXX mortgages with an appraisal at {$580000.00}. I am only paying interest on the Bank of America loan and I have modified my mortgage payment 2 years ago. I tried to modify it again but was unable because they could not lower my payment to the govt. percentage rate. That is when I learned that I should n't have been able to finance to 100 %. I did all the mortgage application through a salesman that had contacted me by phone and thus the mortgage is in my name only ( we really do n't understand why ). 
At this point, my salary is XXXX of the amount it was in XXXX am a XXXX and my reimbursements from the XXXX is the reason for the lower pay. I am taking classes to obtain a XXXX in XXXX but I am only partially into this program. When I finish, I have {$95000.00} of student loan debt to begin paying also. This is why I tried to modify again ; I sent paper work in once using my salary and a contribution from my husband 's and I was denied because they said I did not make enough money. I reapplied and tried to have my husband 's name put on the mortgage and was denied again due to not meeting the govt percentage requirement. XXXX told me that I can not add his name without refinancing and we would be denied for that. 
Yes, we were stupid like so many others. We are hanging on and I am afraid to even contact Bank of America for fear that they will want me to give back a percentage of the 2nd mortgage. We have no savings, living week to week so there 's no possible way we could handle that. My office is in my home so even if I was to downsize my home, I would have to lease office space so I ca n't win. 
2 years ago, I had to file Chapter XXXX bankruptcy for myself because of the loss of income. The attorney at that time was not a mortgage attorney but felt that there has been some questionable activities in loaning us money. I can not afford to hire another attorney to investigate especially when XXXX XXXX says there is nothing that can be modified. 
Is there?
I have disputed this information with XXXX/XXXX several times. This account was included into a Chapter XXXX case XXXX XXXX XXXX and discharged back in XX/XX/XXXX. I spoke with a rep call XXXX ID # XXXX. He stated he show another chapter XXXX bankruptcy filed & in XX/XX/XXXX he can add the debt to. Why are you adding a discharge debt to a current bankruptcy? 

XXXX/XXXX XXXX .... {$200.00} as of XX/XX/XXXX XX/XX/XXXX Petition for Chapter XXXX Bankruptcy. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX.
Wells Fargo switched my account from paper billing to electronic billing without my consent in XXXX of XXXX. Due to me no longer receiving paper bills, I accidentally missed one payment. This was the first payment I ever missed and once I noticed the issue, I promptly corrected it. My history with Wells Fargo clearly shows I pay extra principal for every mortgage payment. Wells Fargo customer service confirmed they switched my account to electronic billing but never took responsibility for this. Wells Fargo reported the missed payment to the credit card bureau and refuses to take any responsibility for their unethical behavior. Before and after this incident occurred I was attempting to refinance my mortgage out of an ARM. Now, I was just told I am unable to do so until I have a 6 month clean payment history. Thus, due to Wells Fargo 's malicious interference in my account, I will be financial penalized for their misconduct.