WillisBack/dataset-financial-user-claim huggingface dataset:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I want to pay my wife 's {$550.00} debt. I called to do so on X/XX/17 but was told that this would not be deleted from her credit report. <P/>We were never made aware of this account, nor given our validation period. <P/>Again, I want to pay this, but only if it 's going to be removed. The adverse effect on my credit report outweighs payment for only an update of paid in full.
Please See : Complaint XXXX, Equifax 's response did not address my initial complaint! 

It 's simple Equifax ... make my free annual credit report available online!!!
My name is XXXX XXXX and I currently live at XXXX XXXX XXXX XXXX and about 3 years ago I lost my job. Well I was concerned and call PNC which is my current mortgage holder, and asked them if I can apply for a loan modification. Well after the 5 time trying I hired a lawyer, XXXX XXXX, out of XXXX IL to help me work with the bank. Well I 've been paying the lawyer about $ XXXX {$600.00} a month, because that is what he required, to help me settle something affordable. Well now I have sheriff 's coming to my home to evict me, without paperwork handed to me, social workers not willing to give me advise and the bank whom will not answer any of my calls. I have a wife with XXXX, my XXXX year old father-in-law, my daughter and her XXXX year old son. We have no date as to when to get out and again no paperwork or answers. I have tried calling PNC to see if I can rent out my home, nothing. i asked them where did the money go, nothing. I need answers please! We currently have the XXXX looking into XXXX XXXX to see what happen to all of my money that was supposed to go to fighting for our home. Then we find out it was sold, then sold back to the bank. No paperwork telling us what was going on and to top it off the lawyer never wanted to meet with us and or talk via phone, it was always " text me '' WHAT? And now we are losing our home. Why wo n't PNC tell us anything? Please help. My account number for our PNC mortgage is acct # XXXX and my contact number is XXXX. When the sheriff 's came they never gave us any eviction notices, we did receive a default but forwarded that to the lawyer. Again I do n't know when the sheriff 's are coming back and me and my family are not ready for this. PNC is the worst and I ca n't believe after several attempts to try to work with them they tell me well you ca n't afford it!
I have this same problem with all Synchrony credit cards. They do not follow standard business practices when accessing payment amount due, late fees, etc. example. Purchased 800 item from XXXX XXXX   via Synchrony card. Terms are 36 months, no interest, payments {$23.00} a month. Purchased made right after XXXX XXXX. Made a {$200.00} payment XXXX XXXX. Did not show up. I thought payment did not go through. Paid again XXXX XXXX, XXXX another {$200.00}. Called and explained. They send back my {$200.00} in a check. Next statement shows the original purchase plus another {$200.00} purchase. Payment now due in XXXX. I paid XXXX?. Dollars. Next statement shows a payment due of XXXX on XX/XX/XXXX because of their error. Called once and was placed on hold twice and then hung up on. I am currently on second call with 20 minutes in and probably will eat no answer. Second time I spoke with XXXX operator number XXXX. Still on hold. 

Second Synchrony with XXXX. Can get refunds but payment due is still based on old incorrect amount. W late charge if you pay pay, ent. Asked on erroneous amount. They say they cant fix it.
Debt was paid on XX/XX/XXXX as the collector states themselves On XX/XX/XXXX the consumer called our office to pay their obligation to our client XXXX XXXX in the amount of {$130.00}. We accepted the payment, processed it, and posted it to the consumer 's account within XXXX hours as explained to the consumer. The account is currently paid in full. Please understand that this transaction was initiated by the consumer only 2 days ago. At that time our office notified the consumer that updates to their credit bureau are performed as expeditiously as possible but can take up to 30 days to reflect on their report. The consumer 's account will be updated to the bureaus as paid in full during our next reporting cycle which will occur on or before XX/XX/XXXX '' No such change has occurred and the collector is still reporting as this collection is open as it still appears on my report as an open collections.
The United States Bankruptcy Court in XXXX XXXX County granted a discharged under chapter XXXX, on my behalf the debtor XXXX XXXX on the XXXX/XXXX/2015. The case no. XXXX. There was no lien on my property, no contact to me by mail, phone, or otherwise to file or continue lawsuit to attach wages or to take any action to collect a discharged debt from the debtor -- -A creditor who violates this order can be required to pay damage and attorney 's fee to the debtor. M & T Bank and XXXX have violate that court order.
[ XXXX XXXX ] has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus. 

I closed this count in XX/XX/2017 and it has yet to be reflected as such on my credit report and is still accumulating interest I Spoke to XXXX XXXX who advised our request for validation of this debt has not been received. 
at this time this debt is considered Legally noncollectable
I HAVE TURN TO CFPB FOR HELP RESOLVING A INCORRECT INFORMATION ON MY CHEXSYATEMS AND THEY FORWARD MY INFORMATION TO CHEXSYATEMS AND CHEXSYATEMS REPLY THAT THEY VERIFIED THE AND CLOSE THE CASE WITHOUT AND EVIDENCE OF DOCUMENTS, I HAVE ASK CHEXSYATEMS AND XXXX  THE BANK WITH THE INCORRECT INFORMATION ON MY FILE TO PROVIDE ME EVIDENCE OR DOCUMENT THAT I OWE THEM ANY MONEY AND BOTH HAVE FAIL TO PROVIDE ME ANYTHING. 
AS OF XX/XX/2018 THE INCORRECT INFORMATION IS STILL ON MY ACCOUNT AND HAS NOT BEEN DELETED.
Took me off automatic billing so that interest would build up and they would be payed more in the end. They should not stop auto pay unless I ask them too!
Quicken Loans mailed me a notice that claimed I was prequalified to refinance my home mortgage. ( My mortgage is currently with another lender. ) The notice claimed " You 're already prequalified to refinance your home loan at a low, 30-year fixed interest rate of 4.125 % ( 4.273 % APR ). This lower rate could reduce your monthly mortgage payment to {$1500.00}! '' The claim clearly indicates that my current mortgage rate is higher than their rate and that my monthly payments would go down with this refinance. They even mention my current approximate mortgage balance in the advertisement which gave me the impression that they have my current loan information from my recorded mortgage or credit report. However, my current mortgage rate is much lower ( 3.25 % fixed for 30 years originated in XXXX 2012 ) and later in the fine print they also planned to charge me 1.75 % in points to get their higher interest rate. The P & I payment they quote of {$1500.00} is slightly lower that my current P & I payment of {$1500.00} but they are re-amortizing my current balance over a new 30 year period to achieve that $ XXXXmonth savings! This refinance would cost me considerably more interest over the term of the loan despite the lower payment. Clearly, their claims are not in my best interest and are deceptive ; particularly, their claim that they will lower my interest rate.
I have tried to contact different debt collectors multiple times for a debt that states XXXX XXXX XXXX i have tried to contact the debt collector XXXX XXXX XXXX only to be transferred and hung up on multiple times so I then try to disputed it with the credit agency Experian and they tell me that they verified the debt and it will stay I can not seem to have anyone tell me what the debt is for yet i to have to deal with the consequences of it is unfortunate and unfair
My husband and I reside in a XXXX family house that we have owned since XX/XX/XXXX. In XX/XX/XXXX, our former bank, XXXX XXXX XXXX, sold our house without our consent or acknowledgement to our current bank. During that time, our mortgage had tripled which left us unable to keep up with the payments. Our current mortgage was willing to work with us by advising us to apply for a modification. We did and had gotten approved. From XXXX XXXX to XXXX XXXX we have religiously paid our new mortgage payment on time. Never once late. As of XXXX XXXX, XXXX, our mortgage will raise from {$2600.00} to {$4800.00}. With our rental income of {$2900.00} and our Social Security of {$23000.00}, we can not afford to pay the new mortgage. Both my husband and I are XXXX. We would have a reaming balance of {$480.00}. Our water bill alone is {$500.00}. We are held legally responsible to provide water, public lighting, and maintenances to our tenants. We need help. I want to get out of the ARMS once and for all and have a fixed mortgage rate. I thank you for all your help. I truly appreciate it.
Experian is reporting an item from XXXX as if is under payment plan. This account was included in a chapter XXXX bankruptcy which completed in XXXX on this year. My husband and I were awarded a discharge.
As of my knowledge, collector attempting to illegally collect the debt which I do not owe. 
Letter requesting validation of the debt will be send via certified and first class mail.
CitiBank N.A was willing to settle my credit card account for the sum of {$2100.00} on XXXX/XXXX/2015 unfortunately I was XXXX and unable to pay the amount. When I finally saved up the money to pay, I contacted CitiBank and was referred to a company called XXXX XXXX XXXX XXXX who initially wanted me to pay {$3600.00} and XXXX weeks later changed it to {$4700.00}. 

When I called XXXX back, XXXX XXXX a representative of XXXX XXXX referred me to a manager who said I had one hour to pay the {$4700.00} after which I would have to pay the full amount of {$5600.00} XXXX XXXX XXXX XXXX is the most unprofessional and crooked company I have ever had the unfortunate need to contact. They change the amount owed at will and when I asked for a manager, they put a very rude and obnoxious individual on the telephone who gave me an hour to come up with {$4700.00} or face paying the full amount of {$5600.00} saying I am not facing any hardship by his own determination.
Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX XXXX also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely XXXX XXXX
Ive had fraud on my Barclays XXXX XXXX and have never received any correspondence or request for information previously. Out of the blue one day I received a call asking for additional information and stating that they would be sending me a form that I would need to complete and sign which was some kind of affidavit, which I did n't receive until XXXX/XXXX/16 from charges that occurred in XXXX 2016. I also spoke with a woman named XXXX who asked me about getting a police report filed to which I did and ended up having to drive over 2 hours to get for them because they would not accept the report number and needed a copy. Well I have done everything they have asked me to do and went through great lengths and hurdles to do what they asked. Now after doing everything they have asked, they are trying to hold me accountable for fraudulent charges that I did not make. Spoke with a Supervisor name XXXX on XXXX/XXXX/2016 who said that she confirmed that the police report was received and she would send the claim to another investigator to re review and at this point charges were not back on my account. I called XXXX/XXXX/16 and spoke with another woman named XXXX who advised me that they did not show any notation of the police report so I faxed it again and I also received an affidavit which I faxed back as well. I call again today XXXX/XXXX/2016 and find charges back on my account and speak with XXXX again and she explains theres nothing she can do because the bank was n't able to determine whether or not I benefited from the transactions that they decided to make me accountable for the charges. This is completely wrong!! Ive done everything they 've asked me to do and they have waited 2 months to ask me for anything and now want to hold me accountable for something I did n't do and because according to the supervisor XXXX because they ca n't determine if I benefited or not they are holding me accountable and I would need to seek options outside of the bank. This is wrong, Ive done everything they asked me to do including making a police report and signing and getting everything they 've asked me to do and now they want me to be responsible for something that I took no part of or benefited from, this is wrong
As of XX/XX/XXXX l have requested a relief on my VA Loan and mortgage payments and have filled application correctly and provided all documents, requested by lender for VA Loan Modification. 
In which in Texas Laws has a non disclosure ammendment in not disclosing your private information. 
It has been 90 days and there is no amicably remedy or resolutions in making my VA mortgage more affordable. 
In which lender knows that l am XXXX and Retired, Divorced  and live alone in my home and have XXXX Lifetime income pension, without Federal Taxes been deducted until VA Loan modification is ammended. 
Once, VA Loan Modification is ammended, than XXXX XXXX XXXX will start deducting {$600.00} to pay Federal taxes. 
I owed {$9000.00} in back taxes from XXXX, because of the high mortgage payment and lender VA loan process didnt disclose on Federal taxes not bern deducted during VA home purchase on XX/XX/XXXX. 
I have told prior lender XXXX XXXX of XXXX, Texas and First Continental Mortgage that l can not afford the VA mortgage of around  {$1700.00} or {$1800.00} @ month. 
But lenders refuse to take matters into account before selling home on XX/XX/XXXX l sign documents because lenders stating that my VA mortgage will be lowered. 
On XX/XX/XXXX l discovered Frauds on VA Loan and Escrow and filed various Federal complaints that Lender opted to pay my VA mortgage from XX/XX/XXXX till XX/XX/XXXX. 
First Continental Mortgage stated they supported me to give me financial hardship relief. 
Why didnt Lender modified my VA loan in XX/XX/XXXX and made it more affordable? 
Than on XX/XX/XXXX, lender modified loan but is was still to high for me at {$1900.00} or {$1.00} XXXX. 
I sign documents on XX/XX/XXXX because l was going through a foreclosure status as l am going through a Foreclosure status on XX/XX/XXXX. 
Why lender investors wouldnt approve VA Loan modification and lower VA mortgage payments? 
Maybe, because investors and lenders are tired of me alerting the Federal Government in reminding Federal Government of the VA  Loan Frauds and Escrow Frauds. 
I am going through XXXX XXXX XXXX XXXX and stress and fears in losing my home in been homeless on the streets of XXXX, Texas. 
My family in XXXX, XXXX has a major issues with Hurricane Irma and devastation and possible lives with be lost because of the Hurricanes. 
I am asking with resoect to lender investors to provide me with a affordable VA loan mortgage payment, so l can start making my timely monthly payments, each month. 
This is a Urgent matters on VA Loan Modification. 
As a XXXX XXXX XXXX Veteran l aporeciate the investors and lender support. 
Please, pray for my family in XXXX, XXXX as Hurricane Irma will be affecting XXXX community and my family.
I am a coborrower for my son who got XXXX loans from XXXX XXXX more then 10 years ago. The loans were originally a pretty small amount but with forebearance and deferments that are very high now. We were never told that interest would go up nor were we told that interest would continue to accumulate during these times. We tried numerous times to get the loans consolidated and were told that is n't possible. I also asked to have my name removed from the loans and was told that was n't possible either. A few months ago I filed paperwork to get my name off the loans because I am now XXXX Veteran and I 'm now on XXXX I was told it would n't be possible but I have yet to receive any paperwork in the mail stating such. I 've have tried on many occasions to work with the loan company to get payments that my son could afford but we were told that is not a possibility they would only accept the over {$400.00} plus dollars a month and nothing else. We paid them money on a few occasions to place the loan in forebearance. I 'm very frustrated as this has affected my credit over the years and I do n't blame my son as he was unable to repay the money but wanted to work with them.
I am complaining against chexsystems today because I am having issues with Idenity theft. I have ordered my chez-systems on several occasions and just received it on XXXX XXXX. I called the number listed and I am being helped by some type of outsourced employees who are of no help at all with the issue I am dealing at hand. I am having a big problem with Identity theft to the point where I have gone to social security requesting to change me social security number because this has been an ongoing deal. There are several fraudulent attempted account openings in my name where it has left me with fraudulent inquiries on my report. I refiled another police report with the XXXX XXXX Sherrifs department and I have tried to get some help from Chex-systems in getting these removed but the incompetent employees answering the phone in chex-systems is not helping me. I am going to attach my police report Via CFPB portal and the fraudulent inquires on my chez-systems are as follows. 

1 ) XXXX XXXXXXXX2 ) XXXX XXXXXXXX3 ) XXXX XXXXXXXX4 ) XXXX XXXXXXXX5 ) XXXX XXXXXXXX6 ) XXXX XXXXXXXX7 ) XXXX XXXXXXXX8 ) XXXX XXXXXXXX9 ) XXXX XX/XX/XXXX
Earlier this year ( XXXX to XX/XX/2018 ), I had attempted to refinance a townhome I own in XXXX XXXX, UT. I was working with XXXX XXXX of XXXX XXXX XXXX, who in turn was " shopping the loans '' with different companies/banks/investors. One of those companies was Angel Oak Investors out of XXXX XXXX, Georgia. The deal fell through as my income has changed, and they were understandably not comfortable assuming the risk. However, they have continued to pull my credit via hard inquiries. I called and emailed XXXX twice regarding this matter who said he will look into with Angel Oak. I have emailed and called Angel Oak and copied my attorney on the emails and have received no response, only continued inquiries into my credit which is needless to say, quite frustrating. Attached is documentation through XXXX XXXX credit monitoring supporting the above information. 





Regards, XXXX " XXXX '' XXXX
I opened a business credit card through  Capital One Business in 2016. Since account opening, Capital One has been incorrectly reporting this business account onto my personal credit report. I have contacted the credit bureaus whom have responded with a promise to contact Capital One. Capital One  has no right to report a business account, in good standing, to the signers personal credit profile
My problem is with nation star financial.in  XXXX  I was paying  XXXX  a month, last year in  XXXX  my home owners insurance went from  XXXX  per year down to  XXXX  .so the mortgage company dropped my payment to  XXXX  a month.i had nothing to do with any changes, and we were not notified about any changes.Then 2months ago I get a bill for  XXXX  dollars and was told that was my new house payment.i called and they say I did n't have any money in my escrow.i asked why they said after a lot of research we found out they were paying my insurance company double.they were paying the broker  XXXX  and  XXXX  and  XXXX   XXXX  who holds the policy.i told them that none of this was my fault.i talked to the escrow man at nationstar all he would say is ok I 'll drop your payment to  XXXX  a month and he said have a nice day.because of all this I have to file a amendment and start paying for a house the I have paid for 15yrs.why should start over again.i think there wrong on what there doing to me and my family.i think we 're being extorted out of money.