WillisBack/dataset-financial-user-claim huggingface dataset:
Please see the attached letters to XXXX XXXX XXXX XXXX, XXXX and Experian. Here are the facts : 1 ) XXXX XXXX XXXX XXXX initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX, my Chapter XXXX bankruptcy was discharged along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured XXXX credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at XXXX XXXX XXXX XXXX on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for XXXX XXXX XXXX XXXX. 8 ) Upon # 7, I pulled all 3 of my credit reports ( XXXX, Experian and XXXX ). I was shocked to see that XXXX XXXX XXXX XXXX was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and Experian. XXXX does show my payment history accurately. When I contacted XXXX, they told me I had to get XXXX XXXX XXXX XXXX to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both XXXX and Experian, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with XXXX XXXX XXXX XXXX. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been XXXX in bankruptcy. Federal bankruptcy law has nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to XXXX XXXX XXXX XXXX again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XX/XX/XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed.
I lost my job in XXXX. I paid XXXX and XXXX and the first payment for XXXX but was unable to pay the second installment for XXXX. I received an email notice of the missed payment on XXXX, which I responded to and received a very cordial response. The day after the email conversation, the phone calls began, up to XXXX calls a day. I have tno is explaining to them even sending a second email stating that I would pay no later than XXXX XXXX, as I have gotten another job with a start date of XXXX/XXXX/17. I finally sent a Cease and Desist email XXXX and another on XXXX after the calls continued. The calls have began this morning again.
FCRA states in  section 623 ( a ) ( 8 ) I disputed the information directly with GLA they have failed to provide the method of verification by mail to me of what information they sent to the credit bureaus.I am requ esting for them to provide their method of verification and investigation of this debt I do not owe.
I have several inquiries that I did not give consent to run my credit! 
Please remove them from my Transunion Credit Report! I have no knowledge of these inquiries and no account attached to them! Transunion is stating that " inquiries are a factual record of file ''. How are these inquiries factual when i have contacted the creditors and the creditors have no account? Furthermore, the have no knowledge with me doing any business with them. I have supporting documents as proof that these creditors have requested deletion of these inquires.
Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via XXXX or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.
I attempted to refinance my home. Each time I spoke with them it was a new document they needed. I was told each time they needed nothing new. This went on for over 4 months. I even paid XXXX for an estimate to be completed on my home for the refinance out of pocket. I was then told the rate was no longer good, and I 'd have to wait.
I finance a vehicle that caught fire twice. The first time was 2 months after i got the vehicle. They repoed my car after my credit was cleared.
I had a tax lien that came off my report and reappeared back unto my credit report but it should be deleted.
In XXXX I opened a Capital One Credit Card when I received the 0 % interest offer in the mail for transfer balances and purchases. The 0 % was good into the later part of XXXX. ( I want to say XX/XX/XXXX ). After opening the card online, I called and verified the credit card offer of 0 %. The customer service representative stated I was correct with the details of my offer, the 0 % on transfer balances, and I had to wait 10 days to transfer the balance after my card was opened. I waited the 10 days and then transferred a balance of XXXX. When I received my first bill due XX/XX/XXXX I called Capital One asking why there was interest reflected on my statement as this was supposed to be 0 %. The customer service representative took the time to confirm my account was 0 % and that the interest reflected on the statement was for the transfer balance FEE. I said ok and asked him what my next statement min payment was going to be if I paid the min balance due which was XXXX. He spent several mins calculating the min payment and even put me on hold to calculate the payment. He said it would be XXXX. Today when I got my statement there was an interest charge of XXXX. I called Capital One and they then stated that my card was not interest only on balance transfers only purchases. I was misled by TWO capital one representatives when I called to verify the details on my offer. Today I requested that they close the account and take off my interest charges for the month since I was misled by not one but TWO representatives. Capital one even confirmed they saw the two phone calls logged on my account but refused to waive my interest for the month. I have no problem paying the transfer fee of the 3 % that I was told I would need to pay. However, I find it misleading and unacceptable when I as the consumer educated myself on the product they were offering me,,, twice! I am looking for the CFPB 's help to ask capital one to remove all interest charges on the account since it was opened. I will pay the 3 % offset of the fee for balance transfer. However, because of the amount of interest they have charged me, I now owe more than I originally transferred on the card.
I lost my job and needed to get some money to pay rent. I got a title loan from Ohio and they are very shady. I never should have done this. I am behind on the loan because I lost my job and am facing eviction. They REFUSE to give me their corporate office phone number!!! And are very vague about a possible threat of re-posession. Their manager said they could " cap '' the loan so when I pay the full amount, it would be settled, now they say " no ''.
There are too many dates to list that they have delayed/rejected/improperly handled turning in and approving my IDR request, most recently NOW. A year ago they did the same thing. Everything, including bank statement and pay stubs and request, is rejected without reasons. Every time this happens I am in deferment and, of course, this eats away at time I may need later on in time of true need. I also have issues lowering my payment. My household is paying mine and my husbands loan off and we literally live paycheck to paycheck. Calling is no help ... they don't even understand what I am saying and have no answers. Last year I couldn't even get it straightened out, to the point of taking almost the entire year till I had to recert again. My doctor is saying t hat after analysis of my life style that the greatest stress IS my student loans and the inability to get assistance. PLEASE help me! I have no idea what to do. I am at the point of looking for a class action lawsuit so that I can get some relief!
Submitted a XXXX XXXX XXXX XXXX through servicer Nelnet under account number XXXX. Nelnet sent me a letter dated XX/XX/2018 ( attached to this complaint ) stating in bold that the review process can take up to 30 days to complete. Thirty days has passed and the status is still reporting as follows per the Nelnet website : Pending Final Approval.
When my vehicle was repossessed in XX/XX/2017 the remaining balance was {$8000.00}. This balance was reported to my credit bureau reports by XXXX. It is the law that the towing company is not to disturb the peace when coming to pick up the vehicle. The whole time the towing company was here which was at XXXX XXXX and for at least 15 minutes as they were struggling to secure the vehicle, they had their high beams shining in my neighbors window. In addition, they banged down my door as hard as they possibly could for a good amount of time. The two guys from the towing company furthermore were extremely rude not that I expected anything more. They are supposed to give you the opportunity to get your belongings out of the vehicle before taking it which they did not do, instead they peeled wheels and sped off again disturbing the peace. The towing company was at least an hour from where we live which we feel was XXXX being vindictive towards us. My wife and I had to schedule an appointment to come and puck up our belongings from the vehicle. When we got there we found all of our stuff in a trash bag very carelessly thrown together and therefore as a result a lot of our stuff was broken/damaged. There is a law in place which states that we are to be notified of the time, as well as place that the vehicle will be auctioned in the event my wife and I wish to participate in it. XXXX neglected to notify us of this information. I instead received a phone call from a collection agency collecting on behalf of XXXX for the amount that was owed at the time of repossession. I asked the representative if the vehicle had been auctioned off and I was informed that in fact it was. I advised the representative from the collection agency that it is the law that XXXX is to notify me of the time and place of the auction and she agreed with me. I asked to speak with the supervisor of the collection agency and in formed her of my situation. The supervisor thought something very suspicious was going on and she was going to investigate the matter as to which I expressed my gratitude for. I told her I also wanted to know how much the car sold for at auction. I eventually heard back from the supervisor who advised me that the car sold for {$17000.00} which covers my remaining balance and then some. I was advised by the representative that I still owe the {$8000.00} which she did not feel was justified but that it was just what XXXX was informing her. I have tried to no avail to dispute this with all three credit bureaus numerous times. I have also spoken with the executive office of XXXX, they will however say anything and everything to make their actions/claims appear valid.
I contacted US Bank on XX/XX/XXXXabout unauthorized transactions on my account and was told there was nothing they could do about them because I was at the establishment and I have to wait for them to post. I looked at my account this morning and I have an overdraft fee. I called and I wanted an explanation and I was told that the transactions from XX/XX/XXXX brought the account negative which is not true. US Bank is attempting to pre charge me a fee on an authorization that is fraudulent and not authorized. This is bad for business. I was not advocated for as a customer. US Bank looked for a way to profit from my loss. This is very distasteful. I asked to speak to a manager and it was refused.
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account # and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} Company : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$200.00} Account # : XXXX Date Open : XX/XX/XXXX Balance : {$260.00} Company : XXXX XXXX XXXXXXXX Account # :  XXXX Date Open : XX/XX/XXXX Balance : {$250.00} Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX I have never been associated with these addresses that are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX please remove these false accounts, inquires, and address from my credit report immediately.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX BANK XXXX on or about XX/XX/XXXX on EQUIFAX credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX BANK XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
I have contacted XXXX XXXX on multiple occasions to no avail about three accounts they have reported to my credit reports. I have asked for them to send me detailed paper work and proof of the account standings and they will not they are very rude when u try to talk to them. The XXXX XXXX XXXX XXXX has my student loans and I have had conversations with them on paying off my left over balances on my loans but fed loan will not answer any questions for me at all the info they are reporting is inaccurate on my credit report and they refuse to update their system. They have been rude and have blown me off at every turn I'm just trying to get info from them because from my records they are reporting in accurately.
file has failed Quality control review twice now. 
This is the 2nd time this happens and the file is declined for failing quality control review we have not received a clear answer of why this is happening on this account. The only answer we got is it failed QC and its not in the investors best interest to accept the offer. 
This file was previously closed out because we were advised the file failed QC, per Wells Fargo a party involved is questionable and black listed. We were informed that it was the Buyers, so the agents looked for a new offer and obtained one which we now submitted. 

This new offer has been declined, I was informed Wells Fargo decided to close out the file. Per the Short Sale dept. the short sale does not meet quality standards and there is a questionable person involved in the transaction who has been black listed. 

I 'm concerned that its either the agent or the sellers as this is the 2nd time this happens. 

There is a XXXX XXXX foreclosure sale date and we are doing everything we can to get this short sale completed and avoid a foreclosure for Wells Fargo and the seller but Wells Fargo will not provide us clear answers in order to resolve the issue at hand and complete the short sale with an acceptable offer. They rather remain vague and let the property go into foreclosure by playing these games.
This is a complaint against PHH Mortgage for holding money in escrow that was deemed to be used for repair of hail damage to our residence that occurred on XXXX XXXX, 2016. PHH Mortgage is currently holding over {$12000.00} that was sent to us from our insurance company since XXXX 2016 and even though we have contacted them on numerous occasions they still will not release the funds. There excuse is that they needed documentation in order to reconcile the amount that has been paid by the insurance company with the amount that that was estimated by our general contractor. Documentation from both the general contractor and insurance company has been sent to them on more than one occasion and they are still " dragging their feet ''.
I originally mailed my dispute letter to Trans Union on XXXX XXXX, 2015 and followed up with another letter on XXXX XXXX, 2015 and till this date i have not received a response.
On XXXX XXXX, XXXX I submitted correspondence to Ally Financial because of suspected fraudulent activity by the bank. They have refused to address my concerns by remaining silent and have continued to seek payment. Attached you will find the letter I submitted to Ally Financial on XXXX XXXX, XXXX.
I have been dealing with Navient, formally XXXX XXXX, about an issue of miscommunication which landed my student loans in default. I have been repaying them while on a payment agreement but they have been and are still reporting my accounts as past due for obsurd amounts of money. When I call them I am placed on hold for an hour at a time and I never get the help I am asking for. I keep getting passed off to different people who ca n't help me at all. After a couple years of fighting with them about this and getting nowhere, even when I hired an attorney to try to have them remove the false reporting from my credit history, I am reaching out to consumer finance. Since I have been on the payment plan for a few years now I am asking to have someone help me get Navient to reverse the false reporting of past due payments since I am making payments on the all of the loans monthly. Thank you.
I spoke to a representative from the original account holder concerning my account and explained to them that I was going through a XXXX   XXXX situation and needed some time to pay off this debt. I was told that they would extend the time needed to pay off the account and would not report my account to the credit bureaus. A few weeks later I received a call from a Southwest Credit Systems Rep who informed me that they were a collections agency and given my info by the original account holder. I then went on to explain to them the situation I was facing. I was told that as long as I make a payment arrangement that my account would not escalate to being reported negatively the the credit bureaus but a few weeks later I was surprised to see that they actually did report the remaining balance of what was left to pay to the the credit bureaus.I am extremely upset because I was assured that once I make the arrangements my account would still be in good standing as to not be reported negatively. I'm in the midst of buying a home and this negative reporting of an account is not helping my case at all!
DiTech Financial LLC, opened an Escrow account nearly a year into servicing my loan ( which was never requested at the time the loan was originated ) for our Property & Casualty Insurance we pay in full. As a result, I had to call them and pay the balance down to XXXX, then was told I had to submit in writing a request to close this account. Again an account I never opened, but now I had to go through extra work. 
Furthermore, two months after I assumed this had been resolved, I was sent paperwork saying that I would be hit with a late payment because they did not understand what to do with the funds we sent from our insurance company to close the Escrow account they opened. 
This has caused me to spend several hours calling DiTech, and the complete inconsistency of " customer service '' has caused me to waste time, was charged late fees when I 'm working to get corrected and may have impacted my credit because they ( DiTech ) did not apply my payment properly in their system. We are presently refinancing and can not wait to get away from them!!
Received Important second notice about a fictitious {$16000.00} debt offering to reduce it to only {$8000.00}. Company is Debt Relief Center. Notice date XX/XX/18. Client Negotiations department XXXX XXXX. Its a threatening letter designed to intimidate and a scam to Separate me from my money.
I received 2 emails saying I had not made a payment and I did. I even have the confirmation number # XXXX. I did not received a statement in the mail for this month, I called to report it. I received calls, one of them was on XX/XX/2017 @ XXXX during my working hours, when I specifically answered on my paperwork not to contact via phone, I chose the method of contact by mail.
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX   XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX