WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX : XXXX USING THIS FRAUD COMPANY TO SERVICE WHICH IS A irs VIOLATION, STATING SERVICER, PLUS THERE WAS NO LOAN NOR MORTGAGE. HAVE NO CONTRACT WITH EITHER OF THESE FRAUDSTERS. https : XXXX Send cease and Desist orders long ago, see how fake this is? After Recording Return To : ______________________ ______________________ ______________________ ______________________ _____________________ [ Space Above This Line For Recording Data ] __________________ FICTITIOUS DEED OF TRUST Fictitious Deed of Trust recorded by ______________________________ on behalf of [ Name of Person ] ________________________________________________________________. [ Name of Lending Institution Causing the Instrument To Be Recorded ] This title page is hereby incorporated into, and made a part of, the attached Deed of Trust, both of which together comprise the Fictitious Deed of Trust. This Fictitious Deed of Trust is being recorded pursuant to XXXX XXXX XXXX XXXX ( XXXX 2006 ). XXXX, and XXXX XXXX XXXX XXXX XXXX is not licensed to do business in XXXX XXXX at least that is what the XXXX XXXX licensing division claim, or in the State of California. so the California Secretary of State shows this company is in collusion with XXXX ( XXXX XXXX XXXX pretending to be the Trustee for foreclosure purposes and acting under Color of law which means in collusion with Officers of Law Corporate in Collusion with Fraudster Banks with fiat paper monies and instruments. You do not have chain of title you do not have a contract with the real owner of the property and land that you are offering for sale both on the internet ( wire fraud ) and in person. You have committed and been involved in fraud, swindles, tricks and schemes. This amounts to Robbery ashore as part of the pattern of racketeering activity y collection of an unlawful debt which engaged in, or the actives of which affect the interstate or foreign commerce. You must divest yourself of the ill begotten property, belongings and financial gain you have derived from your fraud. The selling, conveying, monetizing, fraud, stealing, was done knowingly and willfully. The statements on the the internet or printed material was materially false, fictitious, or fraudulent statement or entry. Whoever buys from you and receives, conceals, or retains the same with the intent to convert in to his use or gain, knowing it to have been embezzled, stolen, purloined or converted-goes to jail, and so do you! Warrants and Bill has been issued already to 5 enforcement of the highest of the land. other info : XXXX XXXX XXXX XXXX XXXX XXXX Forgery/ Calif. code 115 ( a ) 10 years in prison. You have been notified. Remove the Auction demanded today.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX XXXX XXXX ( XXXX  XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX   XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX   Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX   : XXXX  Transunion : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  Transunion : XXXX XXXX XXXX  ( XXXX : XXXX XXXX XXXX XXXX   Transunion : XXXX ) XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX   : XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX )
Bayview loan servicing forced property insurance on my loan. My XXXX insurance agent has numerous examples were she has provided proof of insurance on my behalf.
The initial debt was incurred with XXXX XXXX XXXX in XXXX. After several attempts, the debt was written off by bank and sold to XXXX separate collection agencies. Each time the date of debt incurred increased to the time that new collection agency acquired the note. The statute of limitations for BK is 7 yrs. Although never declaring BK, this debt should have been erased after XXXX XXXX. 
Why is this still on my credit report? I have successfully use cash for all transactions since then.
I opened an online account with Coinbase to purchase some XXXX. The purchase was made and the transaction completed, and the XXXX was shown in the balance. However, recent attempts to access this account have been blocked. The company has instituted some sort of extra verification code requirement in order to login, and I do not own a device capable of receiving this type of text message. They apparently ASSUMED that my internet-based phone number was for a cell phone, but refuse to either help me or even communicate with me in any way, despite completing their online request form ( twice ) as well as expressing my frustration with them on XXXX different XXXX tags. Zero response.
I did an   XXXX   credit report review and I found an unauthorized credit inquiry  ( h ard inquiry ) from ccb/ppc on  XXXX   XXXX ,  2017 .
Received a letter months after moving ... never heard from the original creditor which was a landlord ... I have written notice advising I was vacating premises at end of Lease
Equifax allowed my data to be taken without my authorization. I confirmed through the Equifax website that I was impacted.
I have unauthorized transactions on my {$200.00} Master Card pre-paid gift card. 
I have reported the problem to the card issuer but as of today, XX/XX/2016, have not received a positive response.
Received call on XX/XX/XXXX re a direct deposit account they said I opened in XX/XX/XXXX. I did not receive direct deposit at that time. I was told my account had gone into default and they were taking me to court to collect over {$1200.00}, the original amount being around {$500.00}, and I would also be responsible for attorney fees and court costs. I was told that because it was a direct deposit account items had been paid against that account. However, I had no automatic bills to be paid at that time as I had lost my direct deposit job in XX/XX/XXXX due to the economic downturn. I have never received any notice of this debt in the past. I am astounded that I am getting a call threatening to take me to court unless I pay the money owed immediately without having received any prior notice. They said they are willing to work with XXXX XXXX to reduce the amount, but it must be paid in full immediately. I was also told that I would receive a 10 year judgement. My daughter was with me during the call and looked up the phone number they called from as well as the name of the company. She yelled into the phone that this was a scam and she was reporting them to the CFPB. The person on the other end immediately disconnected the call.
I paid XXXX in full With IC SYSTEMS ( XXXX XXXX XXXX ), ( The amount currently in collections. ) Several months ago I did a three way call with IC SYSTEM and XXXX XXXX XXXX to resolve this issue. After getting nowhere with defending the amount I did not owe, I paid the amount the debt collector claimed I owed. This amount is still currently on my credit collections. I honestly do n't remember the Man 's name that I spoke with from IC Systems but this amount is no longer due. 13 Days ago I XXXX, trading for a larger vehicle is now an issue due to this in collections. This has not only affected my credit but future convinces of having a larger vehicle and lower payments. Asking for some assistance on getting this removed. 
Thanks, XXXX XXXX
I received a call today at XXXX XXXX XXXX/XXXX/2015 asking for XXXX XXXX my daughter. The person refused to provide me with there name. I asked if I could take a message he proceeded to say we are following up on a previous arrangement made to remove a summons. If she does not contact us today the summons will be processed and she will be charged and possibly prosecuted. I asked him if this was a collection agency he said no we work for XXXX XXXX we are not a collection agency. I said you are not and your calling from an XXXX number. I know fraud deception when I hear it and I could hear the other reps on calls in the background. I told him not to call again to remove my number they will be reported. He kept talking and I hung up. Why did this fool call me right back saying threatening nonsense. I hung up called the number from my cell the company name stated ARA. First of all he broke every FDCPA law in place for dept collection. He did not provide his name or company name, He provided personal information to a third party and stated he was not a collection agency when they are and he made threats. My daughter needs to be compensated for deception, fraud, and providing wrong and untruthful information to a third party. These people could of called somebody else and stated the same information to them. There phone number is XXXX.
I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XXXX but to my surprise this company have not removed the fraudulent account and keeps on reporting on my credit report within the 4 days as required by law : Again this account is fraudulently reporting on my report, please delete asap : 1.Cashcall Inc. XXXX XXXX XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

Attached herewith : 1. My dispute i sent to this company on XXXX 2. My police report 3. my FTC report
Last year I cancelled my XXXX and they continued to bill me for months. In addition they would not even except their equipment back for a time. 
In the summer, bill collectors began calling me, asking for hundreds of dollars. 
I owe them {$50.00}. 
They are asking for a {$120.00} and placed me in collections on XX/XX/XXXX. 
The account was opened XX/XX/XXXX.
Since  XXXX   XXXX ,  XXXX   XXXX   XXXX  has been reporting  XXXX  collection debts to my credit. My understanding is that  XXXX  relates to an old   XXXX   account P.R.A. purchased, and the other relates to an account originated with  XXXX   XXXX   XXXX .     I also understand that P.R.A. is allowed to report the account as a collection to the various consumer credit reporting agencies, if it meets certain criteria. Unfortunately for me, theyve decided to report each account to the credit reporting agencies  XXXX , utilizing different account numbers. For example, the  XXXX  account was reported by  Portfolio Recovery  to  XXXX  under account number "  XXXX  '' while  Portfolio Recovery  simultaneously reported it to  XXXX  and  XXXX   XXXX  with account numbers "  XXXX . '' The reports are identical, i.e., the amount shows as {$3100.00}, and the report indicates the delinquency date is from  XXXX   XXXX . The only difference is that  one  report was made utilizing "  XXXX  '' and the other reports with "  XXXX . '' This causes me a big problem because when creditors run combined reports, where data from  XXXX ,  XXXX  and  XXXX  are merged into a composite report, it causes the debt to report  XXXX , i.e. {$6300.00} shows instead of {$3100.00}. I have spoken to the various credit bureaus and each confirmed the reported account number showing on the report is exactly what P.R.A. reported to them.     I have made disputes multiple times, and each time P.R.A. apparently has verified its information as accurate and should remain reporting exactly as it is. As the differences are apparent even to a layman like myself, I can only assume Portfolio is intentionally reporting these accounts as multiples, and therefore inaccurately.     As of  XXXX   XXXX ,  XXXX ,  Portfolio  collections are still reporting single accounts with different account numbers from  one  bureau to another.
My Chase College checking account was blocked and closed by the bank on XX/XX/2018. I was sent a final statement for my bank account and it said that there was a XXXX debit for a check charge, however, I never received the remittance check for this account. 

I contacted the bank regarding my funds and I was told by a customer representative that the funds would not be sent back to me.
There was a data breach at Equifax and my personal financial data was accessed. Please investigate this egregious act of ommission on the part of Equifax. I understand I wasn't the only one impacted Thank you..
I recently received a Brinks Money Debit MasterCard ( dba Skylight Financial Inc in XXXX, TX ) which I most certainly did not request. I check my credit score/inquiries regularly, and I 'm confident this is n't real or a result of a scam. I think it 's just a very well-divised, thorough marketing scheme. But it 's really quite alarming. 

The card had my correct name, a card number, master card logo, an expiration date and CVC 3-digit number on back. The letter attached had an account number, a routing number, was sent to my home address. I received a terms of agreement pamphlet, and skylight/us bank checks. 

Now I 'm having to go through the trouble of making sure that a. ) this has n't been identity theft ; b. ) none of this gets activated ; c. ) all the materials are thoroughly destroyed to ensure no future identity theft, etc. 

It 's just a XXXX, and if I were elderly or perhaps less tech-savvy, this would have caused a great deal of concern. This seems like really poor business practice. To essentially sign me up, put my name on something that I never requested.
In XX/XX/XXXX I closed on my home HUD ( XXXX XXXX XXXX XXXX XXXX, VA XXXX ) at closing, as is common, I prepaid homeowners insurance for 12 months. Within the first month, I began receiving late notices with regard to my homeowners insurance being late however, it had been paid in full at closing. 

My lender ( Freedom Mortgage ) was also contacted by the insurance company regarding the insurance and subsequently, I received correspondence threatening forced placed insurance. I contacted Freedom Mortgage and my insurance company to no avail.

On or about XX/XX/XXXX, I had been forced into a situation where I had to take action. I contacted a new insurance company ( XXXX ) and obtained new homeowners insurance. Within 30 days, I eventually received a refund check from XXXX XXXX XXXX when they realized they had alread been paid. 

On or about XX/XX/XXXX, I received a letter from Freedom Mortgage that my escrow account was short. I contacted Freedom to be informed that they found my account to be short thousands of dollars! 

Upon further investigation, about 2 weeks later, I discovered that Freedom Mortgage had, without my knowledge or consent, paid over {$1000.00} additional out of my escrow account in homeowners insurance ( knowing it had been paid at closing only 30 days earlier ). 

The customer service representative seemed as shocked as I was when we discovered where the monies had gone. However, I was subsequently informed that I would have to recover the missing funds, was provided no time to recover the money, and was provided no assistance with documents I requested regarding pay outs, etc. I was also informed I would need to pay additional payments as they were raising my monthly mortgage payment. 

I sent a letter to Freedom Mortgage on or about XX/XX/XXXX requesting they temporarily return my payment to its original amount, provide payment related documents, and assist me in the recovery of the missing money they had mistakenly paid out. 

I have received threatening calls and multiple collection/threat letters, but no answer or assistance from Freedom Mortgage. I can't even prove any additional monies were paid out without their assistance. 

I had no knowledge of any additional payments erroneously paid by Freedom Mortgage and believe it is ludicrous that I should be blamed and saddled with the burden of inflated monthly payments and the collection of my money which had been held in trust by Freedom Mortgage. 

I will work with the lender to solve this issue but I need assistance. I did not have any idea that these funds had been mishandled and should I have known, I could have been attempting to correct the issues. 

Please feel free to contact me XXXX. 


Thank you, XXXX XXXX
I feel as though I have been a victim of predatory lending by navient. I was steered into a tuition answer loan twice by my school and ot was not clear to me at that time that this loan was in a niche catagory meaning that it was not technically a student loan nor was it technically private. Meaning that it could not be eligible for income based repayment because it 's " private '' nor can it be claimed under bankruptcy because it is a " student loan. '' I was on XXXX at the time that I got these loans and having trouble making ends meet. I feel that I was pushed into it by my college, which is now defunct. I had a XXXX and to this day I continue to struggle being that I 'm not at a high paying job and I remain on state based health insurance ( XXXX and XXXX, which I pay for now ) in order to keep my XXXX going with very expensive XXXX. I have limited options in repayment and the amount due almost equals XXXX of my bi weekly paychecks leaving me little to live on. I was steered by navient into a " lower interest rate '' plan but had no idea that doing so would not help me pay any principal at all. Also even though my payments are on time being in this low interest plan payment has limited my options and ability to have my consigned released. I was not educated as to the stipulations of these loans and it has literally ruined my life. I continue to depend on others and my family because this has tarnished my credit history. I feel as though i would have made a better choice as to not applying for these loans had I known the turmoil I 'd go through in my life due to their damage. I think they take advantage of navet of students who are trying to make ends meet while in college and not aware of the actual terms until it 's time to repay and you are out of options. Not all of us graduate from college and land a high paying position and in order to pay these back that 's what would need to happen. And especially with these sneaky loans disguised as student loans which are not really private otherwise I 'd have gone bankrupt to help my situation. I need help and I 've been hearing of a lot of lawsuits regarding this company and others going through the same or similar circumstances. Thank you for your time.
Identity theft and a large sum of money stolen from a company that I thought was helping with Student Loan Consolidation. 
On XX/XX/XXXX, I spoke to a representative from Student Loan Services about loan consolidation. They said that for an initial fee of {$350.00} and then XXXX for 3 months to follow and then no payment for a year. I agreed to it and went on with the process.I gave them my XXXX XXXX XXXX account information ( which is since closed ) In XX/XX/XXXX I noticed that there was a CA address on my credit report and a few other things that looked fishy so those were disputed. I then got an approval letter from XXXX XXXX saying that my loans were consolidated and that I could sign onto my online account.I then got locked out of my online account due to wrong spellings of names and wrong answers to security questions ( even though I was answering them with the right answers. ) I then called XXXX XXXX for help and they told me that Student Services was not a legit company.I also got communication from XXXX from Student Services in XX/XX/XXXX and he called me XXXX XXXX instead of XXXX which was already a red flag in my book. I am out a good sum of money and would like my money back from them. It is not fair that this had happened. 
Desired Settlement I would like my refund. 
Business Response Contact Name and Title : XXXX XXXX Contact Phone : XXXX Contact Email : XXXXXXXXXXXX To Whom It May Concern :
MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.
THIS IS MY 3RD DISPUTE TO EQUIFAX AND   XXXX   IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM CREDIT FILE
On Thursday, XX/XX/XXXX, Chase shut down all of mine and my wife 's accounts without notice. In total, we have lost access to a personal checking account, business checking account, saving account, and two personal credit cards each. After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : " The banks exercised its right to shut down your accounts in connection with another account that you [ the account-holder ] have closed. '' We did not close down any of our accounts, however, and so the bank 's explanation can not be true.
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After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all XXXX. At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.
XX/XX/XXXX - I disputed and requested validation of debt from Ad AstraXX/XX/XXXX - Ad Astra provided a photo copy/printout of an unsigned contract as proofXX/XX/XXXX - I disputed, again, as Ad Astra failed to provide me with a copy of viable evidence bearing my signature showing account was reported accurately; a bill does not constitute verificationXX/XX/XXXX - Ad Astra provided a copy of unsigned agreement and history of charges (still not verification)XX/XX/XXXX - I confirmed that my credit report was never (after 6 months)  marked "disputed" by Ad Astra which was required after 30 days of original disputeXX/XX/XXXX - Provided yet again previously mailed copies of an unsigned agreement and history of chargesXX/XX/XXXX - Credit Report still not marked "disputed" by Ad AstraAs a result of all the actions above, this derogatory account, Ad Astra Recovery Services, Inc. must be removed from my credit file by all the failures of Ad Astra to provide proof/validation of debt AND failure to mark Credit Report "disputed" within 30 days of original dispute communication