WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, i received a threatening call from a company called XXXX   XXXX XXXX out of XXXX ( not a registered business ) stating I owed on a XXXX  loan that i did not take out. My identity was stolen sometime between XXXX and XX/XX/XXXX. I told the debt collector I had already spoken with XXXX about my identity being stolen and gave them my current address and they said they would investigate it. THis debt collected said his client was taking me to court unless I paid the loan off or set up a payment plan. I asked who the client was and he said he could not tell me that I would have to figure that out on my own. Not knowing my rights I gave him my debit card number. I called XXXX and they said they had on record my identity was stolen and there was nothing owed on my account. I requested the account be closed. I asked if they sent me to a debt collection agency and they said there was no record and that I should cancel that card immediately. Today, XX/XX/XXXX, I received a voicemail stating that I will be sent to court for stalling tactics on paying my debt unless I call today and take care of the debt. Here is the information i have : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. The amount is {$2400.00}. Phone number is : XXXX.
Well I 'm a XXXX with limited credit history. I work and receive public assistance. So I want to build credit because I 'm XXXX with limited credit because I went though a rough period in my life from age XXXX-XXXX. So I went to Peoples united banks website and saw that they offer a credit card to college students with limited credit history. So I applied and was rejected so I called XX/XX/2016 to ask why was i rejected. The Person on the other end told me i was rejected for limited credit history. After arguing I asked to speak with the manager. The manager told me i was denied for limited credit history then it was because i have n't had a line of credit since 2012 so he said it had to be recent credit history then he told me that they could falsely advertise because they had hidden terms i could net see on the website when I applied for the card ( meaning it was n't available in the fine print ) so I ask can I speak with his manager and i was put on hold where I hung up. The last thing He said that he was going to put in a complaint. So I hung up because my father works for XXXX call center he told me that they put angry customers on hold and tell them things to get them off the phone ( like saying he was going to put in a complaint about false advertising ).
I am a victim of Identity THEFT. 

Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. If not complied with i will have to take legal action. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.AS of XX/XX/2018 my documents were received by your company. Today is the XX/XX/2018 30 DAYS PASTTHE time allotted. To block fraudulent information on my report. As of todays, date I have submitted a complaint to the following secretary of state, XXXX, Consumer Finical Protection Bureau, and the FTC, letter motorized and the a copy of the police report, Green return receipt. I appreciate prompt attention to this matter.
Both XXXX and XXXX told me when I was applying that their application would not not produce a hard inquiry, and I have hard inquiries on XXXX and XXXX from XXXX and XXXX from XXXX, I have contacted XXXX companies, via phone, submitted a online form to XXXX, and XXXX spoke over the phone and email, XXXX companies said these would be removed, I never got service from either company as their sales team promised things they could not deliver ( besides saying the credit check would not impact my credit ). I spent hours with these companies to include setting up installations, that they never followed up on, and come to find out thier hardware would not work in my location?
Caliber services my present loan. They reached out to me to refinance. I went through the whole process including paying for an appraisal. They gave me a loan committment promising the terms of a refinance. They initially set a date but never sent the loan documents. They promised a new date to be set and that is when all communication stopped. Repeated attempts have been made by myself and my attorney to communicate with Caliber and they continue to ignore both of us. The process began XX/XX/2016 and my loan processor changed several time. Communication ceased XX/XX/XXXX.
We bought a mattress from Macy 's in XXXX of 2014 for {$930.00}. It was picked up in the same month. Apparently the charge has been pending all this time, and we have n't been able to pay off our credit card. We 've gone into the Macy 's where we purchased the mattress to try to resolve the issue, which they were not able to do. I chatted in multiple times to try to fix the issue, only to have my account charged another {$930.00}, so now I owe XXXX. Phone calls to customer care led me to a foreign call center, asking if I want to dispute a charge that was created on the Macy 's end. I do n't understand how a company can be so reckless with how purchases are handled with their store card, and no one seems eager to fix it. I did n't realize that paying off a credit card can be such a difficult task. How can a purchase charge be pending for more than a year? How can this go unresolved for so long?
Established credit card with this company on or about XXXX XXXX. This credit card was included the Chapter XXXX filing of XXXX XXXX, discharged on XXXX XXXX, XXXX ( proof attached ). However, this creditor is violating the order of discharge by attempting to collect this debt through a XXXX party debt collection agency ( Premiere Credit ).
I have contacted the XXXX  about Wells Fargo not going by a fraud alert that they dismissed when someone tried to get credit in my name. They have supposedly been looking into this for over a month now but their fraud dept can not explain why they didn't call the number on my fraud alert which is with ALL credit bureaus. I want this hard inquiry removed as I did not apply for credit with them. REMOVE from all 3 bureaus.

I ONLY knew of this issue because XXXX XXXX told me they pulled and I was sent a denial letter when I never applied.
Nationstar Mortgage- Loan # XXXX I ) My account representative is n't very reachable. I have called and emailed several times without receiving a timely response. 

II ) I have been asking to fill out the mortgage application two times and there is n't a clear log of the information that I sent in. 

III ) The review process is n't complete and the list of open items keeps on changing from week to week. I ca n't get a final list of missing documents. 

a. I was told on XXXX XXXX that they need XXXX more documents to complete the loan process I sent them in on the same day. 
b. On XXXX XXXX - I was told that the reviewers are still missing XXXX difference documents - I emailed the information on XX/XX/XXXX. The review process still wasnt final c. On XX/XX/XXXX I received another request for XXXX different documents IV ) My reinstatement loan balance keeps on changing because of the delays above. I 'm seeing more legal fees assess to the account V ) While I 'm applying for a loan modification a Sheriff was sent to the property to give my tenant 20 days to vacate the property on XX/XX/2015 The load modification is being delayed while the lawyers are pushing forward the foreclose process.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA Section 623 ( a ) ( 1 ) ( A ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your failed to mark the XXXX`s account with a balance of XXXX- account # XXXX as disputed by consumer within 30 calendar days of my first dispute in XX/XX/2016 and you still failed to provide the original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Now that you have violated the FCRA, I`m now entitled to XXXX per occurrence of each violation. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if the XXXX`s account with a balance of XXXX- account # XXXX is not deleted immediately. 

I`m filing this complaint through the Federal Trade Commission because this will be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

This item listed on my credit report in violation of Federal Law. You are required under the FCRA to mark this item as disputed by consumer within the first 30 calendar days since my first dispute in XX/XX/2016 and provide me a copy of my original documentation ( a consumer contract with my signature on it and yet you still have failed to honor my demand. 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

I hereby demand immediately deletion of the XXXX`s account with a balance of XXXX- account # XXXX from my report in which you violated Section 623 ( a ) ( 1 ) ( A ), Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified immediately.

Please note, you have already violated Section 623 ( a ) ( 1 ) ( A ), which you failed to mark as disputed within the first 30 days of my first dispute in XX/XX/2016, which entitles me to XXXX for damages and other violations by not providing me a copy of the original contract with my signature. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you, thats why Im filing this complaint through the Consumer Financial Protection Bureau.
XXXX XXXX has been trying to collect a debt that is completely not accurate at all. But recently, they have been contacting me at work-which will get me fire. The first call that came through, which was two weeks ago. I asked them then to stop calling my work, they just hung up on me. This last week they have contacted my work 3 times, leave a voicemail twice. One the third call, I was able to speak with the rep and she stated they would continue to call because that's the only number they had. Which is a lie, because they call my 3 to 4 times a day. The rep was rude and told me that If I didn't want the calls, I should just pay. 
The debt that they are trying to collect is from XXXX XXXX in XXXX XXXX XXXX. The reason this debt is completely inaccurate is because XXXX XXXX is telling me that I never filed the necessary paperwork to leave school. This is not true at all, I had a mental breakdown AT SCHOOL-and the XXXX staff/ department are the ones that filed that paperwork for me. Because they filed the paperwork, the housing department was notified and help me gain access to all of my paperwork and turn in my keys. Every time this debt gets transfer, I have to resubmit the paperwork to XXXX XXXX and they pull the account back from the collection company. We do this dance every year.
I contacted XXXX XXXX and told them I wanted to lay my debt of XXXX   dollars and change. I was then told it was already in their legal department and their lawyer filed a case so I owed interest and lawyers fees. I was then told rudely if I dont show up on Monday XX/XX/XXXX to pay I was done and would be taken to court. I contacted the law office and the secretary had no idea what I was talking about cause they do injury claims.
Hello My name is XXXX XXXX, i am writing this regarding a previous case " XXXX '' i provided feedback to discover they said they will contact me for further discussion, its been 25 days i have not got anything from discover. They were also unable to verify that i was present at the moment when those transaction was made. All the transaction was provided with old case number. I don't know why discover is not taking any action about the situation. Its matter of privacy and credit. As discover said same card used at the moment of transaction, i looked it up it could be a possible fraud XXXX XXXX, which generate a unique transaction code with every purchases What makes shimmers potentially more effective that skimmers? They can easily be inserted into indoor, in-store XXXX   terminals, where they record the data being shared between the cards chip and the terminal. Whats more, when the scammers periodically collect the shim to harvest its bounty, they appear to be doing nothing more than paying at the terminal. 

i have used my credit card at the same location before so i believe same thing happened to me. if discover can't protect their customer, its my fault getting penalized for that.
only {$190.00} was owed to Wells Fargo. not the amount reported.
Ocwen continuously applies my monthly payments as principal payments rather than monthly payments. My mortgage is currently paid ahead 2 months so I have been able to address this so far but it has become very frustrating. In order to address the issue, I must submit a letter via mail outlining the problem. It then takes about a month to address the issue. My mortgage payments have always been on time and I have never had any issues. However, my mortgage being sold to Ocwen has created nothing but headaches and is threatening to damage my nearly perfect credit.
Upon checking my credit report there is a new account from OAC. I requested Debt Validation and i received a generated statement made by the company that isnt proper validation. I also requested my info and signature be provided from services received on stated date. this debt isnt mine and im not legally obligated to pay it.
TG continues to call me multiple times per day, as early at XXXX and as late as XXXX. They continue to call even though I have asked them not to. They called my employer and proceeded to ask them personal information about me and where I live. They even asked my employer to verify my Social Security Number.
I have been trying to get information from Ally Financial for months now. I requested information via mail and through the bureaus and they still do n't respond.
I have submitted countless verification letters to XXXX and Transunion in reference to medical accounts reporting on behalf of XXXX/ XXXX XXXX agency. Not only have they failed to comply in providing the requested verification documents ; once I followed up with a request of their method of verification Which allots them 15 days to respond .... this was failed on their end as well. They simply sent back notice if " verified ''. This is unacceptable and not in compliance according to the FCRA. Furthermore I have never released any if my medical information to this reporting third party ; so this may very well place these companies in violation of the HIPPA Act as well. I would like these accounts removed Immediately based on these violations.
The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds! <P/>It is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat, because I refused to allow someone else to cheat me??
<P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.
I check my Transunion, XXXX and XXXX weekly for errors because I am in the process of repairing my credit. I checked Transunion on XX/XX/2017 and 2 accounts were removed the week of XX/XX/2017 and XX/XX/2017 and reinserted on XX/XX/2017 Spoke with Transunion on XX/XX/2017 and the Supervisor stated only 1 account was deleted. The other account in question is XXXX XXXX XXXX ( reinserted ) without any notice to me. Also 7 credit inquiries were also removed and reinserted.
After sending certified, return receipt letters to TransUnion on XX/XX//18, which they received on XXXX/XXXX/18, reporting that there were inaccuracies on my credit report in the form of {$5100.00} from XXXX, and I would like some type of verification bearing my signature, I never received any type of verification of any kind. 

All that was sent to me was a letter saying that the supposed debt had been verified. Waiting over 30 days ( which is how long TransUnion is allowed to verify any disputes legally ), I then sent another letter on XX/XX//18, which was received on XX/XX//18 ( again, certified with return receipt ), stating that they had still not verified any debt bearing my signature as requested. Upon checking my credit report, the non-verified debt is still there, causing a negative effect on my credit score, as well as public humiliation throughout my local community. 

Since no verification of any kind has ever been sent to me or provided by TransUnion, I am seeking that this particular inaccurate assumption is removed immediately.
I received a mortgage with Alliant Credit Union in XXXX, and set up automatic payments at that time. My payments were automatically deducted from my checking account on the XXXX and XXXX of the month. After almost 4 years, beginning on XX/XX/XXXX, Alliant began returning my payments, long after the payments had been pulled from my account. They debited my checking account on time every month, and then returned the following payments at a later date listed below ; XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, XX/XX/XXXX for {$1100.00}, and XX/XX/XXXX for {$2200.00}, XX/XX/XXXX for {$2200.00}. 

In XX/XX/XXXX, in order to resolve past due payments caused by Alliant returning my payments incorrectly, I pulled {$15000.00} from savings and paid down on the mortgage to clean up their errors. While this prevented any foreclosure action, Alliant reported my mortgage as past due multiple times. I have filed a dispute, but there are still issues outstanding on my credit, lowering my score significantly. 

The attached file shows the debits where payments were pulled from my checking account, and the credits when they returned the money.
To whom it may concern : I have had a lot of problems with the Board of Equalization of XXXX XXXX California. Attached are Affidavit ( s ) letters to the point of contact ( XXXX XXXX ) and her associates from the B.O.E.. I had a family business during the recession of XX/XX/XXXXXXXX and the economy got the best of us, but I paid our tax lien of $ XXXX XXXX. 

The tax lien debt was tendered in 2014 and the BOE from XXXX mailed me a tax payer copy, showing, and expressing a tax lien release filed by the BOE of XXXX within XXXX XXXX and XXXX XXXX XXXX California. The BOE also went after my senior citizen mother ( XXXX XXXX ) creating another account number to create another $ XXXX of owed debt by filing the same debt they did me in 2014 ( See attachment ), but now under XXXX XXXX. I have letters expressing the confusing and I even gave instruction to the BOE to follow up with their Headquarters, but we somehow come back to the issue yet again. Please review all attachments. 


Thank you, XXXX
The purpose of this letter is to formally notify Carrington Mortgage Services ( CMS ) that the hazard insurance premium payment was incorrectly calculated at the time of determining my qualifying modified total ( PITI ) mortgage payment. This results in me actually having to pay {$200.00} more than the determined qualifying payment amount. CMS has the annual insurance premium amount incorrect on their documents. CMS incorrectly calculated an annual hazard insurance premium based on half of the actual premium amount ( {$1400.00} ) when the total annual premium is actually {$3400.00}. CMS used the 1/2 premium mid year amount and divided by 12 months, versus the actual annual premium amount. CMS determined my total PITI modified payment to be {$1700.00} based on this incorrect figure. Using the correct insurance payment of {$290.00}, as identified in the insurance billing and the modification request package, would result in a lower P & I payment to be equivalent to the {$1700.00} PITI payment. I am requesting the P & I payment be reduced to reflect the correct PITI amount of {$1700.00} as agreed, with the correct hazard insurance payment amount. Not doing so will result in my escrows being insufficient and resulting in me paying a much higher mortgage payment that I can not afford.
XXXX and Transunion reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX XXXX was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX
I recieved a notice from Bank of America that one of my accounts was to be closed. Upon receiving the notice, I call the bank and was informed that they can not tell me any other information regarding the closure and it was done at their will.
I have been following the Navient lawsuit and I am in 100 % agreement that Navient knowingly steered my girlfriend into programs that where not beneficial to paying her student loan debt. Navient took advantage of her lack of knowledge and has added an absorbent amount of interest to the debt an the debt remains unsatisfied after 12 years of payments. They promised loan releases to co signers which I am, and continue to play games and will not release information to consigner a only thru primary borrowers. I 'm stuck attached to a debt I have no control over and my girlfriend has been ruthlessly taken advantage of. We want to repay the original amount borrowed and want money applied to high interest programs they steered us to applied to the debt.