WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018 received an alert on my XXXX Credit Report that alarmed me that I have a collection account from a collection firm name Credit Management LP concerning a unpaid bill from XXXX XXXX XXXX for {$280.00}. in which I have never in my life had any service from XXXX XXXX nor requested any service. This collection company have not made any prior or previous Collection attempts to allow me to dispute these charges and have reported a negative information to the credit bureaus of which is now damaging my credit report. This account is clearly not mine and I don't know how they have gotten my Social Security number or obtained my Identity information. The account number in question is XXXX.
Concerning Case Numbers : XXXX, XXXX, and XXXX I feel we are now on the same page. Why is it that Wells Fargo can take payment amounts given to me over the phone to catch my account up - when the funds paid are applied not to my account but elsewhere? XXXX XXXX gave me amounts to pay to catch my XXXX payment and shortages. I sent payments directly to her yet they were applied elsewhere - why is this happening. I have made payments each month yet now it looks like my account is 3 or 4 months delinquent. Wells Fargo has acknowledged they received payments - it is just where they applied them after talking to XXXX XXXX. 
Something is not correct when a customer sends payments to be applied correctly and they are not applied correctly. I want my account corrected soon.
Notified by Capital One Credit Fraud alert the new credit card application was submitted under my name. 
I or any relative have not made a new credit application. 
I notified XXXX credit XXXX, XXXX, and XXXX credit bureaus and placed a credit alert.
i opened a store card under my personal name, just to have a better control on my personal expenditure and my contractor account with Lowes home improvement, and since this time i keep my loyalty with the store buying my daily materials, Last year XX/XX/2017 i was reported 30 late on my payments that was set up on automatic payment, I called Lowes infoming that all my payment was on automatic payment and couldn't see it being behind special on a such small amount but had no option to have my case heard by lowes ; I even try to resolve it through the credit bureaus but no success either, it seems like it not important to them. 
I went through some credit score simulations and this simple fact its damaging my credit score considerably., I would like to have this wrong info removed from my credit report
Hello, I have disputed this account with XXXX and XXXX as not mine. In return they came back with their investigation stating this account has been verified, In return sent a letter to Metro Collection Svc. requesting validation of this debt via Certified letter with no response, I again wrote and disputed with XXXX and XXXX. They stated this account has been validated to be correct. I have not been given any proof of this debt, I do not know who Metro Collections is nor the original creditor XXXX.
This is an official dispute of debt. 
1. ) The creditor is a computer that has generated a fraudulent debt of {$210.00}, filed with the XXXX major credit bureaus, XXXX. 
2. ) The creditor can not provide a singed agreement between the original creditor and the alleged consumer in compliance with Fed. R. Of Civ Pro. 4, ( Probable Cause ). 
3. ) The creditor can not provide a copy of the alleged " Notice of Service '' that the alleged original creditor mail to the alleged consumer in compliance with Fed. R. Of Civ. Pro. 4. 
4. ) The alleged creditor can not provide a singed '' Affidavit '' validating that is not a computer. 
5. ) The alleged creditor has my email address, my date of birth, my SS #, my phone number, previous home addresses, present home address, back acc information, but seeks to validate the alleged debt, by confirming my personal information the the consumer did not provide to them. 
6. ) The debt notice filed with theXXXX major credit bureaus is slander, libel, tax evasion, money laundering, mail fraud, identity theft, cyber terrorism committed across the state lines of XXXX and XXXX, for which make these claims violations of federal rules of procedure.
I can not access my Capital One account and apparently neither can customer service. In the meantime, triple alert has sent me a message that my account has been negatively affected. I go to that service to discover my account is over its limit. However, there appears to be no way I can access or review my account either online or over the phone via their customer service to resolve and issues or even review my account. The two step verification fails online blocking me and when I call in they say their systems have been down. I have attempted to access my account at least 10 times over the past week.But the verification code is never sent. Now a message comes up stating there's an issue ... the question is what is the issue and how bad is it. For all I know their system has been compromised and they won't tell us.
I, XXXX XXXX XXXX am filing this complaint in order to report deed fraud against my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. My mortgage was with IndyMac Loan Services and I started a Loan Modification process with them over 5years ago because my financial status changed and Indymac assured me that if I filled out their Loan Modification application along with my hardship letter and other requested documents that they would help me figure out a solution or give me other options. However, IndyMac never completed my Loan Modification and took a very long time in the process and never communicated with me on the status of my loan modification and then through a lot of late notices after the fact through the courts I found out that my house was foreclosed and yet I was n't served at any time much less given upfront notices or warnings. I never signed any papers or documents much less any waivers and now once again I am facing eviction due to all of the above. In addition, my name was fraudulently taken off my deed, my water bill, my XXXX XXXX bills in which I paid for over 9 years. I was n't served properly and my house was taken away from me and I had no way to turn to and no help because attorney wanted {$2500.00} up front to take on my case. My house was taken away from me without any prior notices and my Section 8 tenant subsidy was also taken away from me by XXXX XXXX XXXX XXXX. Other lenders including XXXX and XXXX XXXX were also involved and still involved because the bills they had taken out of my name including my deed still comes to my house. I want to file deed fraud against all of the above parties. The rent that I collected from my Section 8 tenant was {$1500.00} and yet none of this money was applied to my balance and was taken away from me over 5 years ago as well. This is my true and correct statement to the best of my abilities.
I was covered under my parents insurance at the time of this happening. Therefore they should pay for the charges and not myself
SPS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX We are writing this complaint .... One that we have written on almost every file that we have had over the last 1.5 years with Select Portfolio Servicing ( SPS ). SPS is again dragging their feet on working on this file and has stretched out the file review for an additional 90 days. They continue to claim that each time their request a new document that they automatically give themselves another 30 days to review the file. So it should be no surprise at all that they end of each thirty day period, a new document is requested. This game has go on now for 3 successive months. Escalations of the file within SPS ' system yield no results and it appears that they only two reasons this is occurring is that it allows them to milk more servicing fees out of their dimwitted investors ( who have yet to catch on that anything is even going on on their asset ) and an utter lack of employees. It is very sad, but we have had managers at SPS tell us that they are doing the 'best ' they can, but are grossly understaffed. One can only assume that the chronic understaffing is being done in order to increase their profits at the expense of their investor, the borrower, and the communities in which these properties reside. 

I humbly request that instead of us having to continually fight to even get our clients documents review and files worked on that the CFPB take administrative action against SPS. Not only is the CFPB 's database filled with complaints against SPS, but a quick XXXX search will provide days .... In not weeks of reading material on the subject of SPS and servicing fraud. 

We would appreciate if the CFPB could put pressure on SPS to actually review and complete the file that we have submitted.
Complaint file against Santander consumer # XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX This is a notice of Direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the information that you have posted to my credit files. I recently contacted you in writing on XX/XX/2018 & XX/XX/2018 by certified mail ( USPS ) concerning the above partial account number. I never did receive a reply back from you. Recently, I have taken matters in my own hands to contact the FTC, CFPB & XXXX on a few separate occasions and I have disputed directly with all three credit bureaus, XXXX-XXXX XXXX and XXXX pertaining to this account. I am providing my information solely for investigation purposes and for you to cease reporting this account to the three credit bureaus, until proper validation is verified.

Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in the Notice of Dispute, to complete your investigation and report back to me the results, within 30-days of my Notice of Dispute.

In addition, I humbly request that you provide me with a complete, copy of any signed contract & any agreement/s that myself and Santander may have, including a total breakdown of the balance you believe that I owe and furthermore the date/s that this said account was opened/closed and who opened this account and who is still using this account? If this account has been sold to a debt buyer, please provide the debt buyers information with me though the mail. If this account isn't validated within the 30 days, you will have to eliminate the debt off of my three credit reports per the FDCRA.

Please note : I have taken further action and sent out copies of my previous certified letter that was sent out to you on XX/XX/2018 & XX/XX/2018 to the FTC and CFPB and three credit bureaus to protect myself. 

Thank you for your cooperation in this matter, I look forward to promptly hearing back from you.
There is a collection agency which was retrieved my personal information without my consent and did not notify about the nature of their grievance. I 've never heard about Central Credit Services and have never conducted any business with them.
I am currently working with Quicken Loans for an FHA mortgage. My issues started on XX/XX/XXXX with this company. 

In the contract from the seller, it states that I have already made a down payment of {$10000.00} dollars. Which means I would not need an additional down payment. Quicken Loans refuses to accept this. 

On XX/XX/XXXX, I was told that all of my asset verification documents were not accepted. I was given {$3000.00} dollars by my parents as a gift to use for the additional down payment Quicken Loans was requesting. All documentation was verified. And Quicken Loans rejected it. I have sent 3 months worth of bank statements, was told this was n't acceptable because they could n't verify where the money from my parents came from, when documentation and proof were given as they wanted. So I was told they needed 60 days worth of documentation from my bank again. I had {$2500.00} in my account, and they knew exactly where it came from, between my employer and my parents and refused to accept it. They keep changing how much I have to have in my account. I have to have {$2200.00} dollars in my account to close. I have over {$2500.00} dollars in my account and they refuse to accept it. Told me to wait two weeks so I could get two deposits from my employer and that would be acceptable. 

I have done EVERYTHING they have asked and they keep jacking me around and denying everything I send. I feel they are scammers. I never, ever had this issue buying a house before.
On XXXX XXXX I purchased a XXXX XXXX XXXX XXXX XXXX in the the amount of {$13000.00} that 's including all taxes and fees from XXXX XXXX, XXXX XXXXXXXX XXXX. I completed all paperwork including finance contract for the amount listed above. 

On XXXX XXXX I was checking another account that I have with Capital One and was surprised to see my car loan amount of $ XXXX realized that something unethical, illegal and possibly criminal occurred. I later found out that the financial XXXX, XXXX XXXX, added an extended warranty that I did not purchase. I put 2 and 2 together and realized that on XXXX XXXX when I went to pick the vehicle up is when this must of occurred. XXXX had me sign papers of which I received no copies. I thought this was part of the normal purchase process.
I purchased my home in XX/XX/XXXX under a XXXX % loan option offered through XXXX XXXX. Because I had no downpayment I was told I would pay PMI, private mortgage insurance, until I had payed my loan down by XXXX % of the home 's value. My loan was for {$140000.00} but the house was appraised at {$150000.00} so I was told if I paid it down to {$120000.00} ( the equivalent of {$30000.00} down ) the PMI would be dropped. 

My loan was sold to Wells Fargo home mortgage in XX/XX/XXXX but the parameters of my original loan stayed the same. In XX/XX/XXXX I was able to take advantage of lower interests rates and refinance my home under what was marketed to me as a NO APPRAISAL loan. I even have documentation from the mortgage consultant that states WE REQUIRE NO APPRAISAL AT THIS TIME. Because of the refinance, I have been able to more aggressively pay down my mortgage and have finally reached the magic number ; {$120000.00}. I called Wells Fargo to negotiate the terms of dropping my PMI and I was told by the representative that I was not eligible due to my home 's value. I asked her to clarify, as I HAVE A COPY OF THE ORIGINAL APPRAISAL that says my home is worth {$150000.00}. She explained that she had no record of my home 's value prior to XX/XX/XXXX, when they " pulled comps '' during my refinance and reappraised my home for {$110000.00}. 
In XX/XX/XXXX no one ever came to my house to view the property for appraisal. In fact, no one even called. Wells Fargo did not ask me if I had made any improvements to the property ( which I had ) and every time I call I get a different answer from a different person. Well 's Fargo has committing fraud by lying about the perimeters of the refinance and offering an appraisal value of a home THEY DID NOT EVEN LOOK AT. What they are doing is wrong and I feel frustrated, taken advantage of and lied too.
I have made 3 attempts to receive documentation pertaining to the investigation that TransUnion conducted as part of their practice to investigate and validate any collection reporting on my credit. TransUnion has failed to provide me with documents such as a signed contract by me. 

Following below is what I have been demanding TransUnion to provide me with and yet TransUnion has failed to provide with with such proof. TransUnion has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I am disturbed that Experian continues to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Experian have no right to maintain information which the government has deemed nonexistent.
My boyfriend deposited a check into my account Friday the XXXX of XXXX at Wells Fargo bank. He made an error on the amount and changed it and intialed the mistake and proceeded with the deposit of XXXX dollars. The teller then accepted the check and did not inform him that they would hold the check availability until the XXXX of XXXX. They immediately withdrew the funds from his account and refused to allow me access to the funds so that I could pay my bills and see my doctors! I now have to make another appointment with my XXXX which will take at least 30 days before she can see me and cause me to run out of medication! If I run out of medication I could have XXXX! I have no one else to pay for my doctors visit or my medication. I ca n't even borrow the money from my boyfriend because Wells Fargo is holding all of his money. I can not believe it is legal to hold someone 's funds for 12 days! I am so tired of this banks illegal processes and their lack of customer service! They have caused me so much stress I almost went to the hospital today!
I signed for a VA loan for a house and purchased a home on  XXXX    XXXX . My monthly payments were {$960.00} which also covered the escrow annually. Within two years I received a letter from Chase Banks stating they are now owners of my mortgage account and they will be receiving my m onthly payments. Within months, I received a letter from Chase stating my monthly mortgage will now be {$1000.00}. I called Chase and asked why which they said because my property tax has gone up and  XXXX  was not covering the additional taxes. I called  XXXX  and they said the taxes had gone up but very little.  XXXX  also said they p aid Chase the correct amount every six mont hs and would like to set up a conference call with them to discuss any issues. The conference call was made while at the Chase Bank office and the monthly payments went back to normal. The problem occurred again within a year and my payments went up to {$990.00}. I ca lled Chase again  informing them to stop raising my mortgage payments which they said property taxes are up again then sent me letters showing the tax height. On  XXXX   XXXX , I received another letter from  Chase stating  a monthly mortgage increase of {$1000.00} will be submitted. I called them as usual with the same request. I checked my account today and discovered the mortgage payment remained the same of {$990.00}. I have a VA deductible of {$4000.00} and a {$2000.00} deductible from New Mexico with both cover property taxes and should n't be reason to raise my mortgage taxes nor my monthly taxes and the only reason they have is for their gain and unlawful greed. I want this to stop because their actions are causing lots of unnecessary stress to me and my f amily. Case has  not offered any lower interest rates under the  XXXX   Administration memorandum, they only raise mortgage rates.
I asked for a breakdown of what I owe and why and I was sent a paper in the mail showing me where they're saying the charges are coming from. All of this has been sent from a third party company in which I did not authorize to have my information so this is a violation of HIPAA.
- On XX/XX/XXXX, my wife and I went to the car dealership Toyota XXXX ( located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) to buy a used car ( a Prius from XX/XX/XXXX ). 
- We went in with an approval letter for a car loan from XXXX XXXX XXXX : a loan of XXXX $ ( the price of the car ), with a 5 % APR over 60 months ( and no down payment ). 
- The XXXX salesman told us that they would run my credit score to see if they could beat my XXXX offer. So they ran my credit score and they checked with their financial service to see what offer they could give me. They came back with the offer of a XXXX $ loan, with a 9,9 % APR over 60 months, after a down payment of XXXX . 
- Therefore, we aggreed to sign a contract with their offer ( in case XXXX did n't give us the loan ) and we gave them a XXXX $ check for the down payment. When we were signing the contract, they even said this contract is just in case you do n't give us the check of the loan you expect from XXXX. 
- A week later, XXXX called us to tell us that they changed their mind and that they would not give us the loan. We tried for three weeks to get this loan with UME, adding my wife on the loan and providing additional paperworks, but XXXX refused. 
- So we called Toyota and told them that we will honor the contract they established - with their financial service - based on my credit score, and that we will send them the first payment on XX/XX/XXXX, as specified on the contract. 
- This is when Toyota told us that the contract that we signed was optional and that we needed to come back to their office in order to sign a new contract, with a higher APR. 
- We read the contract many time and we even talked about it with a lawyer friend, but it is specified nowhere that the contract is optional. Plus, the offer ( and the APR ) they offered us in the first place was already based on my credit score and profile. It was approved, on XX/XX/XXXX, by their financial service before we signed it. 
- Toyota called us again. When we said that we could not see anywhere that the contract was optional and when we asked them to provide us legal proof that we had to sign a new contract, the Toyota salesman said we have been fair to you so now you have to be fair to us and come sign a new contract. When we insisted on seeing a legal reason to do so, he said that he would transfer us to his superior ( which he did n't ) and threatened us to repossess the car before hanging up.