WillisBack/dataset-financial-user-claim huggingface dataset:
First My name is XXXX XXXX and I am a victim of fraud from Seterus a company expert i lying and defrauding people. I am not on any mortgage note and the mortgage on my property is a fraud and Seterus is a Plaintiff that organized the vandalize the fraud the looting, theft of my property totaling {$260000.00} that they will pay one way or another. The confirmed that they reply but they are lairs with no respect for law and humanity. They never respond to any question and they are an embarrassment for our society. The biggest lair of this company is a cover-up artist luck a person with no knowledge of banking a person so confused that he can never make the difference between a fraud an a real mortgage I am a banker and the knowledge of this cover-up artist is only on how to lie to people and defraud them What is next they will put contract XXXX to XXXX my family too and reply toXX/XX/XXXX that they reply and the case is closed This company defraud people and lie without any shame. I will never stop until I get back my property Is the obligation of CFPB to close down such mortgage service provider since more people will lose their property to lies provided by this horrible service provider.??? Seterus is a lying company and they lie that they reply I would like from them to see this ; 1.Seterus must provide a clear Mortgage Note with my name on it. I am not on the mortgage note and my name XXXX XXXX is not on it. 2. I would like to see a document informing me in 2016 that there is a foreclosure on my property. Everything was done in a top secret close door without anybody being informed which is illegal in any country. 3. I would like to see an official document informing as required by law in PA about action of a property including my name on it The sale was for only {$1000.00} which is less than the cost of the refrigerated and there is {$74000.00} stolen items from the house and there is {$260000.00} total loss which is not being financed by institution since they are my private property. I would like Seterus to provide a clear document giving them permission to defraud my property. Everything was done without any court document or order between XX/XX/XXXX until XX/XX/XXXX. The company directly responsible for all the illegality which took place is law firm XXXX from New Jersey. Seterus is lying when they say that they responded.I would like to see the repose to those specific question mention in the complain and not their lies. Time for lying is over.CFPB has now specific question Seterus must reply not lie that they responded
This is AGAIN, a blanket complaint of all XXXX bureaus! 
Some information that I requested to be removed or corrected has been done. However, the responses regarding the INQUIRIES that I asked to be removed - what a JOKE! 
I did NOT AUTHORIZE OR ALLOW the creditors listed within those inquiries, to pull my credit! PERIOD - therefore, those are FRAUDULENT AND UNAUTHORIZED!! 

So, why am I being told that I NEED TO CONTACT EACH CREDITOR to have them remove the inquiry? WHO IS IN CHARGE OF MY FINANCIAL CREDIT REPORT? You, the credit bureau ( crook ), are collecting my financial data, so therefore, it is YOUR JOB to remove, add or correct MY INFORMATION. Period, end of discussion! 

Now, this is my last request, REMOVE ALL INQUIRIES ON MY CREDIT REPORT BETWEEN THE TIMEFRAME OF XX/XX/XXXX TO XX/XX/XXXX. I am going to seek an attorney, if all inquiries are not deleted, and a new report with scores, is not sent within 15 business days from today. 

CFPB, do YOUR job and assist me with this, as this has been going on since XX/XX/XXXX. 
I await your responses... 
I NEVER AUTHORIZED OR ALLOWED ANY OF THOSE CREDITORS TO RUN MY CREDIT, AND I WILL NOT DO YOUR JOB FOR YOU. YOU WORK FOR ME, THE CONSUMER, AND THEREFORE YOU ARE LIABLE FOR THE ACCURATE INFORMATION ON MY REPORT. GET IT DONE, GET IT RIGHT. I AM TIRED OF SENDING THESE COMPLAINTS!!
Through research I had to find out how the payments were to be made into which I found out the payments were to be made electronically through an ACH ( automated clearing house payment ) form. Well all I wanted to do was terminate the ACH form and pay for the lease through my own means and their website into which you can pay by check or credit/debit card. It states on that form that a submission in writing must be made to MotoLease LLC. for whom the lease is though in a reasonable amount of time for them to respond. I then called MotoLease LLC. to verify that the address I had mailed the letter to was correct. Which it was, but upon verification I spoke with an XXXX at the time and I was notified I would have to pay a security deposit of {$300.00}, and it is not listed anywhere on the ACH form or the lease terms. During that same call I asked XXXX could they waive the fee for that because it is not listed anywhere in the terms and to speak with management I was denied was told my information would be passed along. I call back today ( XXXX/XXXX/2015 ) spoke with another representative today asked about the information and still was not given an answer, but I was told this time that the security deposit amount was {$500.00}, and was apologized to for being given the wrong information. Again I asked to speak with someone in management was denied again, but was told by the same rep ( whose name I did not get ) that they would just cancel the ACH form and I could pay online into which steps I have listed above. To add I was not told by the dealership XXXX ( XXXX ) or even MotoLease how the payments were to be made I had to research all of this information for myself.
I received a payday loan several years ago and continuously receive harassing and abuse emails from a 3rd party debt collector - to my personal email address. The emails are abusive, continuous, and seem to become worse. I receive abusive emails -approximately one email every 8 days. Via these emails, I have been harassed consistently, called irresponsible, and also called childish. I have received a total of 62 harassing emails since XXXX 2015. I have saved all emails from this collector.
I have been having issues with unknown addresses that I never lived at keep reappearing on my credit file XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX OH XXXX, I believe it is a error and possibly another XXXX XXXX and Our files have been confused somehow to my file XXXX XXXX # XXXX, EXPERIAN Report number XXXX, XXXX  XXXX. I have attached at copy of my OHIO STATE ID for proof and verification.
On Saturday, XX/XX/2017, I received in the U.S. mail my " FREE '' annual credit report from " Trans Union. '' However, on " Page XXXX of XXXX, '' it notes under the " Account Review Inquires '' that a company called " XXXX XXXX, XXXX via XXXX '' unlawfully accessed my " Trans Union '' credit file on " XX/XX/2017. '' This is NOT mine. I am a victim of " Identity Theft. '' I just renewed my apartment lease for another 12 months in XX/XX/2017 so why would I be applying for a " home loan '' through " XXXX XXXX, XXXX '' on " XX/XX/2017. '' Plus, I was on vacation in Hawaii on " XX/XX/2017 '' with NO computer access and NOT in my home State of California.
In XX/XX/2018, I noticed some inaccuracys contained in my credit report. Due to the recent data breechs and identity theft I contacted the TRANSUNION on XX/XX/2018, and notified them of the inaccuracys and asked requested additional information from my consumer credit file so that I could compare it to my records. Additional I listed and detailed the inaccurate information published on my credit report and sent in physical evidence so the bureau could see proof for themselves. 

TRANSUNION has not challenged or disputed the evidence I sent but only claims to have verified the obvious inaccurate information. 

To date TRANSUNION has failed provide any documentation to support their alleged investigation or remove the inaccurate information. Yet, TRANSUNION continues to knowingly publish false information about me for others to view. 

I know Im just a little guy. What can I do to get this large company to follow the law?
I called TH PROF MEDICAL COLLECTN OF XXXX to pay {$79.00} debt. Then they tried to say I had over {$2500.00} in debt. I asked them to prove my debt by telling me what it is and mail it to me. Then they said they forgave my debt, removed it and only charged me {$79.00}. This XXXX said my debt has been erased and they gave me back all of the {$250.00}. Well, I called my bank and they said they took all XXXX! I asked XXXX again from this so called debt agency to mail me a copy of all my debt I owed. She asked why did I need it, if they dropped all of it? She put me on hold and never came back. I recorded the WHOLE. Conversations! I let her know that, she started freaking out my doctors office, XXXX, the XXXX that this bill Supposedly came from, they said is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX want to see copies of what I/ supposedly came from, they said it is not real. They said I do not owe any money because of the fact I have Medicaid and they dont charge anything. The XXXX went to see copies of what I owe. I told her this. She would not comply. I have proof they put a false {$79.00} charge on my credit! They tried to get me to call this fake number - XXXX, this is NOT XXXX XXXX XXXX XXXX its a XXXX number. I called the real number and they saw I am a patient, but I owe NOTHING! They said I need to report this fraud! Why offer to drop my debt and give my money back, if I really owed money?!? They put this on my credit report, making it drop over 45 points on purpose. By making it XXXX hoping I would pay it, but can not provide my bill because there is no bill. This needs to be taken on my credit report. Its a scam! 
This happened today. They put it on my credit report XXXX XXXX. Saying its from 4years 10 months ago. ( Not possible to have XXXX in charges, Illinois Medicaid does not charge a deductible ) XXXX said they gave back the money, but XXXX said the stole it. 
I have her recorded on video, it shows her number, me calling and her saying shes taking this debt off my credit report and giving the XXXX all back. I can play it to anyone that wants to hear it.
The credit card company did not give fair warning that my balance transfer intere4st free period was expiring.
Recently my credit card vendor, Discover, notified me that my account may have been compromised. Discover issued me a new account and card. Discover said it was not their system that was compromised, but a merchant. I asked Discover what merchant was compromised, but Discover refused to divulge that information. I may want to avoid the merchant so I think I should have right to know who the merchant is. Here is Discover 's official response. 

" Thank you for your message regarding a merchant compromise. I understand your desire to know which merchant was compromised and I will be happy to address your concerns. 
I am afraid that we are not authorized to disclose the name of the merchant in this case or dates. However, please be assured we are actively monitoring your account and you are never responsible for any unauthorized use of youraccount. ''
On XX/XX/18 I opened an account online with Chase and deposited {$25.00} in the account. They allowed me to sign up for online banking, overdraft protection, order a debit card, and so on. I go to log into the app today and tells me the account is restricted. I then call the bank and ask what is going on and they say they have nothing they can tell me aside from the fact the account is being closed. I then asked what of the {$25.00} I put into the new account and they then tell me that not only will I have to wait 7-10 days after the account was opened and then closed that I would have to wait an additional 7-10 days to get a check from them. I asked them they received the money electronically why can't they send it back the same way and they had no answer to that. The bank is in essence hiding something and believes that they do not have to disclose that to customers in the least. I want to know the exact reason the account couldn't be opened and I want my money back immediately. I asked the representative if it was {$2500.00} would I have to wait as well and she said yes. There is no way the bank should be able make money off of me or anyone by sitting on funds whilst refusing to return them in a quick way including the same way they received the funds which is electronically.
I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Hi, On XXXX, from XXXX XXXX, I had a loan to purchase a house, on XXXX XXXX XXXX switched the loan to Carrington mortgage services ( they do n't have office in the state of Texas ), since then I having problems with this company because all they 're telling me is n't true.A couple of days ago I received a letter saying that they increased the home payments, I called, and they say there are XXXX reasons, XXXX reason was because the insurance went up, the other reason was because the XXXX city taxes went up, but I told them that this house is exempt of taxes because I 'm XXXX, then they change their mind saying that there is an error on the XXXX contract, I asked them where is the error because I have copy of the contract, then they changed their mind again saying for other reason not written in the contract, so they lie to many times. I 'm disable, they do n't have office in Texas, and for me is very hard to talk with a manager to ask why they lying to much. I was paying $ XXXX/ month and they increased to {$400.00}, and if I add the difference of the insurance, go to {$370.00} no {$400.00}. What action I want you to take? transfer the loan back to XXXX, but they Carrington wont do that. I need your help
Was approved for 2 credit cards with PNC Bank. A personal for XXXX and a business card for XXXX. Seemed fine. I had an emergency back where Im from so i had to move shortly after from XXXX  back to XXXX. Im a new XXXX XXXX, and am eager to do things right, but had no coaching on how to manage finances so I was excited to be a new client with PNC. Little did i know that this conservative Bank would profile me, and close both of my cards indefinitely and told Bank managers that i work with on my accounts that there was a lot of fraud on my cards. I do admit that i had to use my personal card to do business transactions at times, and my business card to do personal transactions at times. Mainly because their fraud department would decline my transactions per one or the other card, leaving me with not much choice other than using another card. I was treated as if I was doing something illegal, when in fact, I was just trying to start my year, and my new business off on the right foot. This was unfair, and I am being punished for not following rules that I didnt know existed. They said i should not have bought pizza ( for an event that my business was holding ) or gloves for my kids ( when my personal card wouldnt work ) with the card i used at the time. Now my cards are both closed while Im in the middle of a project that I got the cards for in the first place.
XXXX XXXX XXXX, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$540.00} } with XXXX, Experian and XXXX credit report agencies. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested XXXX XXXX XXXX provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt as a bill is NOT validation. ( see attached ) XXXX XXXX XXXX sent a letter to me dated XX/XX/2018 attaching a copy of an old billing statement. I have made several dispute attempts to all 3 credit reporting agencies on ( XX/XX/XXXX,XX/XX/XXXX ) XXXX, ( XX/XX/XXXX,XX/XX/XXXX ) Experian, and ( XX/XX/XXXX,XX/XX/XXXX ) XXXX requesting the validity of the account on my credit report. I repeatedly asked for Validation as well as Verification and even requested the method of verification and Experian credit reporting agency has NOT provided the method. I have given Experian ample time and opportunities to make the appropriate corrections to my credit report and they failed to do so. All reported data must be complete, correct, and proven if challenged, otherwise the account must be removed from my credit report per FAIR CREDIT REPORTING ACT.
XXXX XXXX XXXX XXXX contacted me to collect a debt in a letter dated XXXX XXXX. I responded with an official letter to validate the debt and dispute the claim. Also asked that no further contact be made. There was no debt validation ever sent to me. Now on XXXX XXXX XXXX year later they sent me another letter with the same debt collection attempt, thus violating the FDCPA
I 've paid a debt that has been reporting on my credit and was told after I pay it, It will be remove from all three of the credit bureau
XXXX XXXX, XXXX Navient XXXX, PA XXXX Re. Account # XXXX Dear Sir/Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
In XXXX XXXX, I contacted XXXX XXXX and requested an In School Deferment. XXXX XXXX granted the Deferment commencing in XXXX XXXX and concluding in XXXX XXXX. 

In XXXX XXXX, Navient took over my private loan account from XXXX XXXX. No information was ever relayed to me regarding this split by XXXX XXXX. As a result of this split, my information concerning my In School Deferment was never relayed to Navient. My account was not updated and Navient was not able to process the In School Deferment. 

Sometime in XXXX XXXX, upon learning of this split, I contacted a representative from Navient, requesting information about my personal loan. The representative stated that she had no information regarding my loan and my name was not in their system. 

In XXXX XXXX, my co-borrower, contacted and alerted me that he was being harassed by Navient collection agency through telephone calls and threatening letters. On XXXX XXXX, XXXX, I contacted Navient who informed me that they did not send out any threatening letters. The representative explained that they had taken over the account from XXXX XXXX and 120 days had elapsed since any payments were made to the account. 

It should be noted that at no time was I ever alerted by Navient or XXXX XXXX that my account was 120 days delinquent. Moreover, my In School Deferment ended in XXXX XXXX, yet Navient continued to provide inaccurate information to the XXXX credit bureaus. 

Upon learning of this alleged delinquency, I set up a monthly payment plan in order to bring my account current. As of today, I have made the required monthly payments and my account is in good standing. 

I am very distressed that you have included the attached information in my credit profile due to its damaging effects on my good credit standing. Because of the mistakes, my co-borrower and I have been wrongfully denied credit which was highly embarrassing and has negatively impacted our lifestyles. Please reinvestigate this matter and delete this information from my credit report as soon as possible.
Lost high salaried job in XXXX ( recession ) and fell behind on mortgage payments financed with PNC. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XXXX, we filed for deed in lieu of foreclosure with PNC and were approved. We had since moved out of the property and turned over to PNC. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the XXXX XXXX XXXX XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to PNC. I called PNC and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from PNC. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. PNC failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}
have private student loan through american education services and XXXX. have been paying on this for 10 years and only {$300.00} has been applied to principle. filed this complaint earlier and have not gotten any response yet. they are harrassing my sister who co-signed loan and threatening to sue her. i dont hear anything from them. have asked repeatedly for copies of payments and how they were applied. i am only able to get from 2009 to now on payments from their website ...
Equifax has not noted to my credit file ( XXXX XXXX XXXX the creditor and dispute source ) that I have disputed this account as reported. Instead, Equifax says that it 'verified ' the account " as told by XXXX ''. My dispute has to do with the balance $ amount and my reason the account was not settled immediately. Equifax did not reflect on my credit report a dispute even after I provided to them my actual balance statement with XXXX posting errors and XXXX balance differences outstanding.
Hard inquiry appears on my credit reports - XXXX, XXXX, and XXXX, however this inquiry was unauthorized. I attempted to notify the company directly, however they have been unresponsive.
Simple bank Desposited a check {$910.00} XX/XX/2018 Next day funds didnt appear in account.
i have never lived at this address XXXX XXXX XXXX XXXX, OH XXXX and do n't spell my name like this ever : XXXX XXXX