WillisBack/dataset-financial-user-claim huggingface dataset:
On Wednesday,  XXXX   XXXX , I received a letter from  XXXX   XXXX   XXXX  stating I had contacted them about a fraud alert. I never requested this service. Then, today,  XXXX   XXXX , I received a letter from  XXXX  about an " initial security alert '' that I requested, and it is using the phone number of a home we sold almost 3 years ago. These services were never requested so I tried to contact them. However both companies have an automated system and there is no opportunity to speak to someone about this issue. Even the phone numbers I found online are automated. My fear is they will also be charging me for these services at some point. Both letters also list TransUnion so I am expecting to hear from them as well so I have included them in this complaint.     I am attaching the letters I have received.     Thank you for your assistance in this matter.
I purchased a vehicle from an individual with a lien on the vehicle. XXXX cahier checks were sent via overnight mail and only XXXX check was applied - the other check is missing from Wells Fargo. I can not obtain my money back from the cashier check for 90 days. I do not have the vehicle, I am out {$7300.00}, and have spent countless hours on this issue. We ( the seller and myself ) followed the standard procedure for paying off the loan. Wells Fargo needs to be held accountable.
I respectfully request full investigation and based on the information I have provided I request the Midland Credit Management , Inc. / Midland Funding LLC be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. Midland Credit Management Inc. needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files. Attached is the letter ( Dated XXXX 2016 ) sent and proof of certified delivery.
NCC Business Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Toll Free Fax ( XXXX ) XXXX ( XXXX ) XXXX I received a notice from XXXX on XX/XX/XXXX. NCC is actively seeking to collect a debt of XXXX dollars placed by a manager of XXXX XXXX XXXX XXXX/XXXX against me. However, I have called the manager and found out this debt is a mistake on the managers side. In other words, the debt of XXXX dollars is invalid. The attached email discussion is the written proof that this debt is invalid and the manager did request NCC Business Services , Inc. to remove the account of collection on XX/XX/XXXX. Such request of the manager is the manager 's second attempt to contact NCC and correct the mistake. In addition, I also disputed the validity of the debt via mail and fax on XX/XX/XXXX. In the certified mail and faxed materials, I attached the same proof to establish that the debt is invalid. 

However, I received another mail against my dispute from NCC on XX/XX/XXXX. It is obvious that as of XX/XX/XXXX, NCC is still actively seeking to collect this false debt of XXXX dollars which was mistakenly placed under my name, in spite of the original creditors and my efforts to correct the mistake. The enclosed information NCC sent in that mail was both outdated and probably from the managers initial mistake without any reflection of the original creditors and my efforts to correct the mistake.
I attempted to make a payment using my mobile PayPal account on my phone. When I thought I had sent the payment I was enrolled in the PayPal Credit program and the very small payment ( appr {$22.00} ) was paid by a " pre-approved '' PayPal Credit. I would n't have even know I was enrolled unless I had received an email " Congratulating '' me! I NEVER intended to enroll and there was no XXXX verification step to confirm I wanted to. 
The problem is, I am in the process of securing a mortgage and trying to maintain a high credit rating. PayPal through this process has submitted a " hard '' credit check on my credit report which could hurt my credit rating as well as my ability to secure the loan!
Bank of America decided to stop supporting the Constitution and the second Amendment by freezing credit to gun manufacturers. This has a negative impact on me and will increase the cost, decrease the availability of myself and other law abiding citizens from exercising their 2nd Amendment rights.
I filed for Loan Forgiveness on XX/XX/XXXX with XXXX. On XX/XX/XXXX, I adjusted my payment plan to a Pay as You Earn ( PAYE ) plan, per the requirements of the Loan Forgiveness program. An additional requirement was that my loan servicer became XXXX. I filed all of the appropriate paperwork, and was told that, after switching to an income-based plan, my monthly payments would be {$220.00} per month. My loans were then transferred from XXXX to XXXX and I began my monthly {$220.00} payments on XX/XX/XXXX. On XX/XX/XXXX, I re-filed my Income-Driven Repayment plan request ( IDR request ) for the Loan Forgiveness program with XXXX ( and nothing about my income, employer, residence, etc has changed ). I was told that, based on my income level, my monthly payments should be {$10.00} per month, beginning XX/XX/XXXX. I contacted XXXX Customer Service Department on XX/XX/XXXX to inquire about why my monthly payment has drastically decreased despite nothing about my employment or income has changed. I was told that I should have been paying {$10.00} per month all along, and it must have been an " error '' from my previous loan servicer, XXXX. The gentleman from XXXX told me that, XXXX must not have had all of the information to complete my PAYE request on XX/XX/XXXX, although I received confirmation of my request from XXXX, and that I had been paying the standard payment. I also have no record of being informed that XXXX could not complete the IDR request and were therefore doing to change me to the standard payment plan. The gentleman told me that XXXX could not reimburse me for my excessive payments for the last year because they charge what my previous loan servicer told them to charge.
I had a XXXX account that was paid off in XXXX and closed and a XXXX account I paid off in full in XXXX. In the year XXXX I began receiving phone calls from PORTFOLIO RECOVERY saying I owed this money and they wanted a payment or bank info THAT DAY. I refused. I asked them to send me the information they had and they REFUSED. They would n't even verify my SS # or birth date over the phone. There is NOTHING on my credit report for XXXX XXXX and the XXXX XXXX account says balance is XXXX and account closed. These people have completely destroyed my credit. I REFUSE to send ANYONE money just because they call me and tell me I owe them and they want a payment today. I have tried talking to them, explaining the situation, and they tell me they want me to send them proof that I paid these off? This is at LEAST XXXX XXXX XXXX. I did n't save anything. Once I paid off my cards, closed my accounts I through it all away thinking I would NEVER need it again. I 'm at my wits end. I sent them a letter, but they are relentless and going online I have found hundreds and hundreds of people going through the same thing as I. I can not rent an apartment, buy a new car, or do ANYTHING I need credit for. I do n't know what else to do. I DO NOT OWE THIS MONEY and I believe they badger people like me to pay AGAIN knowing we can not do anything without credit. Please help me.
In Spring of XXXX, I was service with a summons from RAB Performances, who was collecting a debt on behalf of XXXX Credit Card. The Case Number is XXXX. I responded to the summons within 30 days as required, and denied ownership of the debt. In XXXX XXXX, I pulled my credit report and noticed a default judgment listed for RAB Performances for the amount of {$1700.00}. I disputed this judgment with the credit bureau, and it came back as verified. In XXXX XXXX, I contact XXXX XXXX court via certified mail and requested for the judgment to be dismissed/vacated. I was not notified by the court that a hearing had been set regarding this matter. I was later informed by the clerk of court that the hearing was set in XXXX of XXXX, and the hearing information was mailed to XXXX XXXX XXXX, XXXX XXXX ; I moved to XXXX in XXXX XXXX, which was two years prior to the notice being served. In response to my motion to dismiss, I was contacted by XXXX, XXXX, and XXXX, who stated that they are collecting the debt on behalf of their client, RAB Performances. On XXXX/XXXX/XXXX, my paycheck was garnished for {$350.00}, and my XXXX/XXXX/XXXX paycheck was garnished for over {$400.00}, which has caused a severe financial strain on my household. I contacted them and asked them to verify the original account listed with their office, and they provided the account number of *******************. I informed them that this account number does not match what is listed for this creditor on my credit report, and provided proof. I have yet to receive a response from XXXX, XXXX, and XXXX regarding this matter.
It was reported on my credit reports that I was late 60-90 days late on my student loan # XXXX with XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I applied for a forbearance due to XXXX and out of work for 3 months which was approved by XXXX until XXXX of XXXX. I sent XXXX an inquiry as to why they reported to the credit bureaus that I was late and they sent me a letter stating that they did not report any late payments to the credit bureaus. I demand this account be removed from all XXXX of my credit reports
The FCRA states that the only permissible purpose for pulling someone 's credit is for 1 : FIRM OFFER OF CREDIT 2 : INSURANCE 3 : EMPLOYMENT 4 :  COURT ORDER. The following credit inquiries are related to none of the aforementioned permissible. I 've also been a victim of fraud. PLEASE SEE ATTACHED PAPER WORK FROM IRS. THE FOLLOWING fraudulent inquiries are as follows Equifax mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you will see some of these where done multiple times. I 'm not understanding how my credit is still allowed to be pulled when I have a fraud alert on my credit.
We started this process in 2009, we were offered a loan modification and we took it because it would make our payments cheaper through XXXX XXXX XXXX. We accepted the loan modification and made all trial mortgage payments as they requested. 
After making all of the mortgage trial payments, while we were waiting to get our agreement concerning the proposed modification they sent us a letter stating that we did not qualify for a loan modification. 
Every time we tried to speak to someone about our loan we had to wait for the XXXX and if by chance we did get to speak to anyone, the next time we were told to call there was a new person assigned to our account that knew absolutely nothing about our mortgage and if in fact we had submitted a new modification package it had to be reviewed. We have been offered stream line modifications in the past but following the advise of our attorney we did not accept them because they were such high payments. 
The hardship that we encountered has past and we are willing and want to make mortgage payments. 
The other issue is that they gave us a valuation of our home and it is {$370000.00}. and we owe a total of over {$750000.00}. We never knew the interest rate we were being charged we don't know if we have an adjustable rate mortgage????? 
We can make a good faith down payment as well as make regular payments. 
They sent us a statement with a XXXX Payment for {$3700.00} and then for XXXX the payment is {$4700.00}. It appears to adjust every three months. If we took the streamline modification would it adjust every three months? On the statement they have charges and other fees listed as {$6200.00}, then Charges/fees this period {$1800.00}? We are trying to make sense of all of this because we really want and need to save our home. We are asking for your help.Please.
XXXX XXXX is reporting incorrect information for XXXX accounts on my credit report. I have attempted to contact them directly on XXXX separate occasions and they refuse to correct it. They are incorrectly reporting the date of first delinquency for both accounts as XX/XX/XXXX. I have contacted the original creditor ( XXXX XXXX XXXX XXXX ) and verified that they date of XXXX delinquency for both accounts is XX/XX/XXXX. I have also requested that XXXX, XXXX and Transunion correct they information but they have not. The XXXX XXXX account numbers are XXXX ... and XXXX ... The Original creditor is XXXX XXXX XXXX XXXX and the account numbers are XXXX ... and XXXX ... As you can clearly say on my credit reports, XXXX XXXX is reporting the correct date of first delinquency but XXXX is not. At this point I want all the XXXX XXXX accounts removed from my credit reports.
Chase Bank put a negative mark on my credit for missing a {$35.00} annual fee. I have been a customer for 10 years. I never heard from them regarding this. Not to mention that I had paid this fee for over 9 years. I never missed a payment, always paid on time, in fact paid the account in full prior to this. The best part is that they waived the fee after non payment and closed the account without me knowing any of this. They said that they sent me notices, yeah to an old address on file. I updated my address multiple times, but their website is very difficult to use. I have been in to the branch twice and they have told me how difficult it is to work with their own folks. I did n't know this was being reported to the credit company until after it was done, I am trying to buy a house and this is causing problems.
In XX/XX/XXXX I spoke with a bank representative regarding the pay off of this account. I was advised that the pay off amount was {$320.00} ( see attached Business Checking statement ) and in the new year I paid the full amount via my business checking account XXXX XXXX XXXX on XX/XX/XXXX. 

In XX/XX/XXXX I reviewed my tri merged credit file via XXXX and found that XXXX XXXX XXXX is still reporting this account when payment was accepted.
XXXX collection items are continuously to be reported although the information furnisher can not verify the information with me directly. I have requested that XXXX collection items be verified with signatures, contract as well as a promise to pay. I have also asked for accounting that shows how the debt was arrived at should the identifying documents be produced. Neither XXXX XXXX or XXXX XXXX XXXX XXXX has provided me with this information over the course of one year. They are well past 30 days to respond. When I notified Transunion of this, this credit reporting agency refuses to take heed to the fact that I have proven these line items to be unverifiable. This agency continues to KNOWINGLY report unverifiable information.
I get repeated ( 3x/week for a year or more ) RECORDED phone calls from " Hunter Warfield '' asking for a person that does not live here and has never lived here, stating they are collecting on a debt. They give an option to hang up if you are not that person, but even though I hang up, the calls continue.
As per complain XXXX, Nationstar Mortgage alleges that I paid full mortgage payments during my trial period. As soon as I received my trial period, I began making payments of {$600.00} for the first month, {$600.00} for the second month, {$600.00} for the third month and {$570.00} for the fourth month when it was brought to my attention that I needed to make the exact amount and that I had full filled the trial period by their representation. Their representative, XXXX, who is a manager, told me they had added an additional month to the trial period. I have resubmitted the forms to them for a new loan modification and they have laughed at me and told me I have been denied. " Once you fail a trial period - you NEVER get another. '' said XXXX on XX/XX/2016. Nationstar failed to apply the funds properly as shown in the original mortgage statements I sent to you in the above referenced complaint. Notice the unapplied funds in that statement. They were putting the payments in unapplied funds and then applying them as full payments. I never made a payment for {$470.00} which shows as being applied at one point - this occurred because they had n't been applying the funds correctly. They were taking the trial payments and applying them as full payments creating the failed environment themselves-which is what I have been telling them all along. They do n't know what they are doing. It is fraudulent and and obvious effort to take my house. I have had to humiliate myself by begging and borrowing money from family and friends to save my house and prevent myself from becoming homeless. No one is looking at the proper place on the statement. UNAPPLIED FUNDS which is where they put my proper payment!!!!!!!!!
I just received a phone call from Ditech mortgage stating that my payment has changed. It had been increase for over $ 250+ since XXXX of 2015. They admit they did n't send a letter stating the increase, they explained to me that this was not required. Now I am behind and need to come up with {$1500.00} to come current and pay the new {$1600.00} mortgage payment. This was an increase of 1 % last year and then another 1 % this year without notification of any kind. I explained to them that notification was never received at our residence for this mortgage increase, they explained that they did not have to send a payment increase notification. It had increased 18 months prior and the payments that were made by me were current every month, but short since the payment has increased. 18 months later we get call stating the payment has increase to {$1600.00} and we are behind an additional {$1500.00}. This was the first call we received from anyone at Ditech or Greentree ( the previous lien holder ) on any thing to do with my mortgage. They were very forceful and abrasive with their tactics of revenue recovery. 

Ditech XXXX, AZ Office supervisor XXXX XXXX
GB Collects , LLC ( of XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) continues to call me and send me letters concerning a debt I do not owe. They claim I owe XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) a sum of {$1.00}, XXXX premium for the month of XX/XX/XXXX. However, I terminated my policy on XX/XX/XXXX and I did not have any coverage with XXXX thereafter. I sent a copy of Form 1095-A (  Health Insurance Marketplace Statement ) to GB Collects , LLC in XX/XX/XXXX to prove to them that I did not owe XXXX any money. Even though GB Collects , LLC does not have any proof of my coverage with XXXX for the month of XX/XX/XXXX, they keep harassing me through phone calls and letters.
On XX/XX/2016 Ohio Acceptance LLC ( XXXX ) on behalf of XXXX XXXX XXXX attempted to debit my checking account in the amount of {$260.00} as a final payment to the loan and this amount is incorrect and my payday is on the XXXX and XXXX of each month as myself and the bank can not figure out why Ohio Acceptance was trying to pull money off of ( XXXX ) debit cards at the same time. In addition to I have made 6 payments out of the 9 scheduled and should only have a remaining balance of XXXX according to the payment schedule. I called Ohio Acceptance LLC today and the gentlemen that I was transferred to was rude and when I asked why after 6 payments did I still owe more than what I borrowed he answered '' lady did n't you read your contract ''. I proceeded to tell him that this amount was not right and they need to fix but he kept insisting that I read my contract which enraged me so I hung up. I went to the back and the bank has put a restriction on my account until this issue can be resolved. Ohio acceptance LLC has no means for a borrower to see an itemized detail of the charges and payments that would justify the remaining balance of {$260.00}. And why are they in my account on XX/XX/XXXX when I am paid on XX/XX/XXXX?
Payment sent using our Bill Pay with our Credit Union on XXXX, which is by Electronic Transfer. Payment not applied by Bank of America until XXXX. Our XXXX payment was sent also via the same method on XXXX, per our Credit Union, money was deducted from our account on XXXX, received by BOA on XXXX. Today is XXXX and our payment still has not been applied. Per our Credit Union proof of payment has been faxed twice to BOA over the last two days via fax XXXX. I have called BOA several times to have this matter resolved without resolution. They tell me they do not have my payment. THEY DO!!! I am worried about credit reporting and my mortgage becoming delinquent.
I recently pulled a credit report and saw that XXXX XXXX XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, I am unable to find a licence in the state of Florida on the Florida office of Financial Regulations  website. How are they legally entitled to collect on the debt?
On XX/XX/2018 Lexis Nexis recieved my 1st of 3 certified dispute letters for bankruptcies that they have reporting under my Social Security number. I received a letter from them on XX/XX/2018 stating that the bankruptcies in question were verified and were reporting correctly on my LexisNexis report. 

In response to their letter I sent the 2nd of the 3 certified dispute letters on XX/XX/2018 asking if they could please send me a copy of the document bearing my signature as well as the as the name, address, and telephone number of each person that was contacted to verify the alleged bankruptcies. They received my 2nd certified  letter on XX/XX/2018. 

In response I received a letter from them on XX/XX/2018 again stating that everything was reporting correctly, but they failed to provide me with the documents that I asked for bearing my signature as well as the names, addresses, and telephone number of each person that verified the bankruptcy. 

On XX/XX/2018, I sent the 3rd certified letter to them ( LexisNexis ) demanding again that they send me a copy of the document bearing my signature as well as the each person used to verify the bankruptcies they are reporting. I even sent them a letter from the bankruptcy court that says they do NOT report any information to any credit agency. 

I received their response on XX/XX/2018, again stating they have verified the alleged accounts. I have repeatedly asked for their method of verification and they are refusing to give me this information except to say that they are using XXXX, which does not allow for 100 % verification because according to the Court Clerk I spoke with, statements of social security are redacted from not only my view but the public 's view.
I have initially been improperly notified of a debit not only being transferred, but I was sued without being given the demand letter after asking for a copy multiple times. I had a pretrial conference date originally scheduled XXXX XXXX, but it was changed to XX/XX/XXXX. Upon requesting the minutes from the court session on XX/XX/XXXX, it was stated on court issued documents " DATE OF XXXX/XXXX/16 GIVEN BY THE CLERK IN ERROR. ATP WILL DO AMENDED NOTICE OF NEW PRETRIAL DATE ''. On XXXX/XXXX/16, I received a judgment from the XXXX XXXX county courts contradicting the court minutes to reschedule the pretrial date. As has been the case with the plaintiff, they are not following the rules or keeping with what they have told the court they will do. I would like to see my court case that was held in error ( per the clerk ) be vacated so that I am able to have my day in court. Once agin, I want a copy of the demand letter that I have yet to receive.