WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion XXXX XXXX please take notice to statement that Pra validated an alleged debt and that you are in violation of the FCRA, FDCPA. PRA has not validated anything and making statements to your selfs puts you at risk of a law suit. PRA 'S failure to produce evidence 3 times to the CFPB telle 's they refuse to accommodate any evidence. enclosed in this dispute are 10 factual questions they have refused to answer making anything they claim to you hearsay, non factual, this will use in the future where it may become necessary you are now requested to remove this account and by releasing any information that claim that is permissible is false and fraud with out the proper documente 's that they refuse to provide this is stated so the CFPB is witnessed to the facts and that you are involved in this by reporting
I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with XXXX XXXX or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from XXXX before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit file.
This Home Equity Loan was originated XX/XX/XXXX with XXXX XXXX XXXX which was acquired by Wells Fargo in XX/XX/XXXX. It is a twenty year loan with a fixed rate of 6.79 %. The monthly payments are contracted to be in the amount of {$770.00} per month. There is no prepayment penalty. After the transition to Wells Fargo, I noticed that the monthly payment statements reflected a lower ( and always changing ) Total Amount Due. I also noticed that the addition amount that I was paying, was not being applied toward the principal. On the statement, the addition amount paid is listed as " unapplied ''. Also, the amount due on the monthly statement, does not reflect what the bank representatives have on their computer data base, making the payment process extremely difficult, as well as financially detrimental to the borrower. For example, one month the amount due on the ( mailed ) Payment Statement, was a lesser amount than what was on Wells Fargo 's computer data base. The bank representative informed me that if I had paid the total amount due on the Payment Statement, the account would be deemed delinquent. I have contacted Branch Managers as well as Wells Fargo Headquarters requesting a audit of my account, as well as a payment history, to ensure that all additional payments have been applied to the principal. I received " screen shots '', none in order by date. After multiple requests for an audit, they refuse. It appears that the additional amounts paid have been " rolled over '' each month and not applied to the principal. I took the " screen shots '' to a XXXX  XXXX XXXX, who reported to me that there were many discrepancies, and advised that I should file a complaint.
Specialized Loan Servicing ( SLS ) is ignoring the " Qualified Written Request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). The request was submitted to them several times and as of this date, it has been ignored. This urgent matter has been ignored by SLS. All they care about is to take our home on XX/XX/18.
My mortgage with XXXX was on my credit report through XX/XX/XXXX. In XX/XX/XXXX it disappeared even though the loan is still open and in good standing
XXXX XXXX XXXX falsely claims that I have not paid a charge of {$52.00} ( for XXXX XXXX XXXX ) and now demands that I pay it. I paid the {$52.00} at issue back in XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX ( attached ) whereby XXXX threatened to report me to four credit reporting agencies if the {$52.00} is not paid. Moreover, I have always paid my credit card statements in full, so XXXX demand makes no sense. 

I have spoken to numerous people at XXXX XXXX XXXX trying to resolve this issue without any success resulting in wasted time and emotional stress. Even though XXXX XXXX XXXX acknowledged on XX/XX/XXXX that the {$52.00} was paid in XX/XX/XXXX, it still stands by its XX/XX/XXXX letter. On XX/XX/XXXX, an XXXX representative and her supervisor vehemently insisted that the XX/XX/XXXX letter had nothing to with the {$52.00}, but just a letter they routinely send out to remind people to pay on their balances. However, a simple read of the letter contradicts XXXX XXXX XXXX claim. I am very concerned that XXXX XXXX XXXX false claim will severally affect my credit rating, especially as a senior citizen. 

Attached is the XX/XX/XXXX statement clearly stating the {$52.00} had been pay after it had been reinstated in the XX/XX/XXXX statement ( attached ) with a total balance due of {$820.00}. The {$820.00} was paid in full in XX/XX/XXXX.
on XX/XX/2018 I sent a certified letter of dispute and verification of a inquiry that was shown listed on my credit report recently for this year in XXXX and asked that it be removed immediately being that I didn't authorize the company XXXX XXXX to run any type of credit report. in return I yet not received and type of correspondence showing or verifying that I authorize any type of credit inquiry. I am asking that this inquiry be removed and blocked from my credit report.
I was thinking about of getting a loan since i looked on my account on credit reports and i was in fair and wanted it higher, i started paying on medical bills to get score up to go get a bank loan or increase on my bank card. I waited a couple mths and i looked over my complete file report because i seen it fell to XXXX I seen XXXX inquiries, I called all XXXX agencies, i filed complaints to the companies that i did not run my credit at al for an automobile, i went online to file complaint, they say i have mortgage, i own my home, because they want you to verify who you are. It wanted me to verify agency of mortgage, i own my home, no mortgage, it asked for monthly amount of mortgage, and its nothing so i put none of these on equifax , XXXX,, and XXXX, i had to call consumer. They had info i never heard of, above is suppose to be XXXX file number but i had to do everything in writing, and to see the online status, it gives me accounts to verify i do not have. I had to send letters out and faxes, I have not heard nothing its been since XXXX XXXX, 2013 and they have verification wrong so i can not check on status. XXXXXXXXXXXX is my email. You can see on my score charts i have no mortgage but when you login in on document Fact act or fast act you will see me to verify? what is going on?
I sent a debt validation letter to XXXX XXXX XXXX in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for XXXX XXXX XXXX and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that XXXX is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and Equifax both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month XXXX  has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
I used the drive thru ATM at my bank. This is the TD Bank located in XXXX, pa. I went through the proper steps to withdraw {$700.00} from my savings account, but the machine did not dispense the money I had requested. I waited for a little while, but nothing happened. Because my bank was closed at the time, I called TD corporate to let them know what happened. I was told there was nothing they could do except file a complaint for me and hope my local branch would be able to work it out. Once my local branch opened, I called and spoke to a woman named XXXX. I told her my story and she questioned if I was even at their bank and used their drive thru ATM because it was out of service. I assured her I used that locations ATM and I was unable to retrieve money from it, but my savings account shows the {$700.00} was taken out. She said there was nothin g she could do except to also file a complaint. This incident happened on XX/XX/XXXX at XXXX. It is now XX/XX/XXXX and my money has not been out back in my account. Why should I have to go without my money because the banks atm was broken ( and not properly marked or turned off due to it being out of order ). 
XXXX at the bank said if the problem did n't fix itself by XX/XX/XXXX than she will push through my complaint and I should get my money back in XXXX to XXXX business days after that.
My wife and I tried many times but Experian credit freeze website always return " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered ''. We also called Experian 's freeze phone number but there are dozens of documents we are asked to mail to Experian : Experian simply do not want to freeze people 's credit.
Spoke with the case manager today XXXX XXXX about the Judicial Sales date set for XXXX XXXX .... All paperwork was submitted more than 37 days before the foreclosure sales date.. Asked XXXX why is the date still valid ... Due to the fact the paperwork was submitted more than 37 days before the sales date .... XXXX informed me the banks policy states they can keep the date up to 1 week before the sales date " Just In Case '' a modification is not feasible .... I stated this is illegal due to the new rules ... XXXX proceeds to say " What If I Do n't Accept The Modification or Ca n't Qualify '' the Bank will still have that date looming over my head so I will be forced to accept what ever terms the underwriters decides ( this is the conclusion I was able to understand according to what XXXX XXXX was trying to explain only what was written in quotations is what XXXX actually stated ) Included in the submitted documents I copied all the CFPB rules to ensure no confusion would occur unfortunately some sort of misinformation still takes place at this time ....
The company is trying to collect on a medical bill that is from XX/XX/2012, I had insurance at the time, but the hospital did n't charge them, and are now trying to collect the money from me even though I was covered at the time. Also the date of billing is wrong as I did n't even live in the state during that time, it was an event that happened a few months before the stated date.
Equifax credit bureau is outsourcing call centers to ignorant foreigners in XXXX that should never have U.S. consumers social security numbers and proprietary information. When I call Equifax and ask to be transferred to a representative in the United States, the do not honor my request. Equifax should be fined for this practice. 

Equifax is charging me monthly in the amount of {$17.00} for a Equifax Complete Advantage that entitles me to unlimited credit reports and score. I have tried to access my report today and in the past and am unable to do so. The website gives me a message that they are unable to complete my order and directs me to call Equifax at XXXX. I have called this number and the ignorant foreigners in XXXX advise they can not get this fixed and they escalated it to the Equifax I.T. department to resolve. Over a year later, I am still having this issue and it does not get resolved. 

I am submitting this CFPB to try to resolve the issue with Equifax. 

Consumers should be angry that their Equifax credit reports and Social Security Numbers and confidential credit information is being sent overseas to XXXX and possibly other countries. 

XXXX XXXX gave these greedy companies huge corporate tax breaks and the corporate greedy companies send our U.S. jobs offshore. 

Shame on a Equifax and corporate America.
There is a   XXXX   XXXX   account on my credit report. I disputed this over a year ago. The account was opened up in   XXXX   XXXX    Nevada. I live in  XXXX , Al. And we do n't have   XXXX   XXXX  . Someone fraudulent open this account up in my name. I researched and called the company a year ago and told them this is not my Debt. Please remove this debt from my credit file. I have no associated address in   XXXX   XXXX   Nevada. Better yet call my employment I been employed on the same job 30 years. Check my credit report.
They left me a voicemail threatening to charge me with check fraud and serve summons at home and place of employement if I did n't contact them and pay immediately. I was going through a tough time and never attempting to defraud them in anyway. The collection company was XXXX in XXXX PA. Their phone number is XXXX. I have the voicemail saved on my phone as evidence. They also called members of my family telling them they would be at fault if I did n't receive my " summons ''.
I have been paying my loans since 2006, I struggled at first as I was just out of school.I did what I could and was into at least XXXX forbareneces, never once asked if I wanted to do income based payments. Now 10 years later I 'm still paying and for the last 5 years I have been over paying my loans to the point that they say I do n't have a payment due for 2 months. On top of it all the payment has shrunk. There is no definite due date and as I keep over paying the payment gets smaller. This is rediculus, I own a house and if I over pay I still have to make the same payment ever month. They are XXXX me and XXXX out of money cuz of the way they set up loans. No one will ever get out from under the debt.
XXXX XXXX XXXX XXXX is being reported on my XXXX, Equifax , and XXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XXXX.
2 calls today to my work office line. I do not know exactly which of my work phone numbers they dialed. One of the calls was answered by one of my coworkers. This is horrible. I do not know what debt they are calling about. I do not want them calling my company to find me. Calling my work is unprofessional and appalling. 

The phone numbers that called are the following XXXX XXXX A XXXX  search points to the following website XXXX XXXX XXXX
I am a mother of a XXXX year old and XXXX XXXX XXXX XXXX. I had a payment of XXXX dollars a month. I am a working mother and almost all my pay check goes to my children, and insurance and rent for our house and food. Not to mention, gas, credit cards and other circumstance. This does not include my XXXX XXXX XXXX loans, nor my other loan I have through XXXX. This also does not include my husbands loans he has to pay either. He is a XXXX and already does not make that much. 
A few months ago, I had had enough so I called to get my private loan payment lowered. The loan payment keeps changing, keeps getting more and more. They seem to keep upping the interest rate. 
After a 2 day stand off with Navient I finally reached someone to help me and get the payment lowered to XXXX a month for 12 months. Not much relief but still it was something. I had 2 days of yelling at the loan associate and having my co-signer call to make a financial statement. I do n't feel I have to yell at someone to get help, especially since I am willing to pay back my dept, I just need a little relief so my kid can enjoy food once and a while. 

I got XXXX again with my XXXX child in XXXX. I called them at the end of XXXX to see if I could pros-pone my payments until after XXXX XXXX. I only get 60 % of my salary. I have to pay my bills, I have to pay for things for my child, and XXXX is coming up. The loan associate said I had already used the 12 month no payment 5 years ago, with my XXXX child and there was no way to do it again. Not even just for 2 months. She then suggested I just not pay my loan payment for 2 months, but this would make the payment past due. I do not think it is logical for someone to just not pay their payment, go past due and then deal with the repercussions later. 
Not to mention the strain this could put on your credit. 

Why not have more options for private loans, so mothers, fathers and kids coming out of college can live. Why not make it easier for them to make their payments. Then there would not be this head ache. People would be happier and maybe not so depressed. 

It is so hard to get private loan payments lowered and postponed. I have to call at least 5 times to get someone to help me or yell at some poor loan associate. 

So thanks Nanvient for making XXXX XXXX that much harder. Thank you for making my kids XXXX that much more miserable. Thank you for putting more of a burden on me. You could n't go without your money for 2 months. You poor rich loan company.
I contacted Wells Fargo Mortgage on XXXX XXXX, 2015 to refinance my home. After wasting excessive time gathering the necessary paperwork, receiving and sending at least XXXX e-mails, receiving and sending countless phone calls, by the beginning of XXXX 2015 closing had not taken place. After I submitted all the documentation I was asked to provide, paid an appraiser {$400.00}, and paid {$25.00} for credit reports, Wells Fargo Mortgage made me go to a closing appointment that did not take place because the attorney did not get the loan officer 's okay to close. 

When I spoke with the loan officer about refinancing my home, I requested for the closing costs to be included in the loan amount. The same loan officer sent me XXXX Rate Lock Agreements, XXXX dated after the other XXXX. I noticed there were closing costs, on a separate field, in excess of the loan amount. I spoke with the loan officer 's supervisor and explained I had instructed the loan officer to include the closing costs into the principal loan amount. Instead of the supervisor responding to me, directly, he forwarded somebody else 's answer. After I made several inquiries regarding the closing costs still appearing, the loan processor informed me the closing costs were to cover a year 's worth of the homeowners ' insurance premium. 

After I was given this information, I realized the loan officer took it upon herself, without my consent or notification, to secure a homeowners ' insurance policy with a different insurance company. Apart from the loan officer 's unethical behavior, the premium would have been {$500.00} higher than the insurance company I chose and which I had started making payments in mid XXXX. 

Besides the erroneous additional closing costs, the loan amounts changed, within XXXX day, in excess of {$2000.00}, even though I continued to make mortgage payments on time. 

Wells Fargo Mortgage never gave me a reason for the delay or the inability to close on the loan. During this process, I was addressed in a disrespectful manner, on several occasions, by the loan officer. Because of the loan officer 's actions, I was compeled to send her a rude e-mail complaining about her attitude toward me. The loan officer responded by leaving me a voice mail message threatening me to file a complaint, against me, with Wells Fargo corporate office. 

I sent an e-mail to the loan officer 's supervisor cancelling the refinancing process. Additionally, I sent a complaint letter to XXXX XXXX, with Wells Fargo Mortgage Board of Directors, on XXXX XXXX, 2015, explaining everythingwhat had taken place. 

Thank you for your time.
This listing is incorrect. I once owned a business that was called XXXX XXXX. This business was sold and there was never a Bankruptcy filed by me. I do not have a bankruptcy listed to me and there was never any debt discharged. Please look at the total amount it is XXXX ( XXXX ). This listing is erroneous and I want to have TransUnion confirm this listing as it is old and I had it cleared up. They refuse to reconfirm that this listing is indeed still listed and that it is mine. TransUnion has a reputation for being the worst reporting agency because they refuse to follow legal protocol regarding credit reporting. 

This listing is not correct and it is not listed with any of the other reporting agencies. It is affecting my credit score and jeopardizing my ability to qualify for a mortgage loan. I really appreciate your services and help to the consumer. Thank you, XXXX XXXX ***********
Up today, XX/XX/XXXX, I have disputed a transaction with my customer XXXX XXXX, the dispute was resolved but the Wells Fargo bank is still withholding the fund about {$15000.00}, from my customer XXXX XXXX to three of my account. My customer XXXX XXXX had already paid the invoice at the beginning of XXXX.
I got a first time Auto Loan through XXXX XXXX, and I paid my loan on time. Then they transffered my loan to Westlake Financial and both are still on my credit as a whole loan. The interest rate is  too high. And the car is only a XXXX with 85,000 miles on it. I struggle to pay my car payment every month, and I just realized recently how much interest is owed on the car. The car is overpriced, and the company
Bank of America sold our mortgage to XXXX. We continued to pay Bank of America on time each month and they continued to accept and cash my checks when I went into the branch and paid them in person. We were n't notified of the sell otherwise we would have switched to paying XXXX. Over the past 9 months, we have made numerous attempts to dispute the 30 day lates on our credit reports both directly with Bank of America and all XXXX credit bureaus. In spite of my numerous letters and copies of canceled checks they have been provided the lates are remaining on my credit reports. 
We simply do n't understand how Bank of America can fabricate a wrongful credit history.
Apple bank closed my credit card without my authorization. When new card was sent out, which I did not receive. Several unauthorized transactions totaling over 18,000 dollars were made. Report of unauthorized atm/check card was made but bank took not further action. Two years later I still have not heard from the bank. To this day, I still have not received a dime from the bank.
Harrassing phone calls, during the times I specifically asked them not to call. Every time we speak I let them know I am unavailable at certain times, and it negatively affects my current job position. However, I still receive multiple calls, back-to-back, during the times i am unavailable.