WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX RE : Social Security Number : To Whom It May Concern : I have recently been informed you that there is negative information reported by XXXX and the account claims I owe {$450.00} & Debt Recovery Solutions {$950.00} in the file you maintain under the last 4 of my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing of {$450.00} XXXX & {$950.00} Debt Recovery Solution. I also notice several inquiries on XXXX and XXXX  well as follows 1. XXXX twice, 2. XXXX. I have attached the pictures of each credit bureau. I have been a victim of identity theft in the past. I am disputing the erroneous account and inquiries an an internal dispute which takes 3-5 business days. I am disputing the accounts listed on this letter and the inquiries as fraudulent. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX {$810.00} all of the inquiries and provide me with original copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I sent a certified letter 4 months ago and I havent received a response through the mail or email. I mentioned that I am unaware of the account and the inquiries. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX SSN : XXXX XXXX XXXX XXXX XXXX GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
An unknown account, XXXX XXXX is currently reporting on my Equifax credit report which does not belong to me. The account also was reporting on my XXXX account which was disputed and deleted from my report. Equifax has not provided me with any mechanisms or procedures in their investigation.
This was a charged off loan by ACS. After XXXX plus years of payments no monthly bills were sent to the correct address and no phone calls by them occurred asking for payments. They had cell phone numbers for my son as the recipient of the loan and my self as the cosigner. 
We were never contacted received no default notice. The only reason we are aware of the charge off is because of a credit report that was pulled in the last two weeks. I am more than willing to pay what is due but in the same token I have been personally damaged by erroneous filling by ACS to the credit bureau.
I filled bankruptcy a few years ago and this company was apart of it. They refuse to clear this debt out of the national database. Even after talking with my attorney on several occasions. This has been years now and I need this matter resolve
Hi, The fraudulent, illegal, bogus loan-scam is STILL on my credit report!

Its been 6-years since the XXXX XXXX XXXX of XXXX loan-scam! 
They told me the loan would NOT be processed after I signed up for, then cancelled the ( 2 ) online " classes. '' There were NO " classes '' it was a total scam. There was NOTHING of value provided to me at all or in anyway, {$8800.00} for a hotlink to XXXX -- thats FRAUD. Take a look at the $ XXXX-Million construction-loan XXXX defaulted on -- the student-loan $ they scammed from me and other students went directly to pay the XXXX-new-building construction-loan, it was NOT used to educate me or other students. XXXX closed and had to move, and submitted false dox to reform at a new location. FRAUD!! Must be stopped! Remove this fraudulent loan its ruined my credit for the last 6 years and now I'm homeless!
I have a judgement/public record on my credit report that has been satisfied/paid in full and I would like this to be removed from my report.
I got a loan for a harley davidson bike, i fell on hard times and could not make the monthly payments. To my knowledge i think the bike was repoed after i was contacted by a repossession agent regarding the bike. The bike is now on my credit report stating i owe almost XXXX damaging my credit really bad
This is the 2nd complaint with this company, the company does not want to disclose to me where I was double credited. I overpaid one month and have proof of that. CITI never over credited me at all. Also another complaint with the Executive Response Unit team. They only reached out to me once and told me they were going to resolve these fraudulent charges. At the end of the week, i had 1 missed call from this team. I tried reaching out to them but I did not receive any kind of notification. Until i got a letter in the mail stating that I owe XXXX dollars worth of fraudulent charges.
On XXXX/XXXX/2015 my finance visited a Wells Fargo Branch located at XXXX XXXX, XXXX, TX XXXX to resolve an ongoing issue we have had with our business checking account. XXXX XXXX the account representative finally fixed the issue she created and began asking my finance if he wanted a Wells Fargo Business Savings account. She had him sign a form and pulled his credit with he was unaware of because he did n't read the fine print. I receive credit monitoring and the following day I received an alert indicating that my credit was pulled by Wells Fargo. I called the branch on Monday and spoke with the manager into order to advise him of the situation, he was very hostile and began ranting that his employees would never run a person 's credit without their permission. I gave him the employees name and he told me he would like into the matter. I received a call from XXXX XXXX several moments later profusely apologizing about the situation. I asked her why she pulled my credit without my permission and she indicated she was not aware of Wells Fargo running " hard pull inquires '' on business savings accounts. She said I would receive a letter stating that it was a mistake and it would be removed from my credit report. Since that date I have received the run around from their credit bureau department as well as XXXX. I want this inquiry removed from my XXXX report. Prior to the incident at hand I never had a conversation with this woman nor did I sign anything giving her permission to pull my credit
EXPERIAN SCAM:  Experian is advertising on TV to visit Experian.com/scan to get a FREE deep web report to see if customers have been compromised after their data breach. I researched to ensure it was actually the Experian web site and confirmed it was Experian.

I accessed the site, entered my email address and clicked Scan.
In less than 1 minute I received an email from Experian (Experian ) stating that I had indeed been breached.

Copied email below:

We've scanned the Dark Web for your email address. This is what we've found. 
You and your information are at risk if your email address is compromised. This scan of the Dark Web will show compromised instances of your email address, which may put your identity at risk.

	View your report
XXXX 
	Report expires in 10 days

I tried to paste a screenshot of the results but this textbox will not allow the paste. 

The scan produced no useful information. Experian is trying to sell a service ($XXXX per month) for credit monitoring.  It was a sales pitch to make money off of the millions of people exposed due to their incompetency.
 
I am outraged that my personal information has been breached by Experian, the XXXX, XXXX and the list goes on. Cyber-security is not a new concept. The DoD, NIST (https://nvd.nist.gov/800-53/Rev4), and other technology standards groups, have created and published security controls in detail on multiple government web sites. There is no excuse for any company or government agency failing to protect the most private information of the people they serve.

Please take action to address the Experian issue and forward my complaint, the information I provided in the Action Requested section, and the screenshot, if needed, to any other agencies you feel could further address my complaints in general.

Thank you,
XXXX XXXX
On XX/XX/XXXX I called Toyota Motorcredit in reference to an auto loan that I had defaulted on. Prior to my default, I had made consistent payments for approximately 30 out of the 60 month loan agreement. I had a house fire XX/XX/XXXX that claimed my home that I was currently renting as well as all of my familys personal belongings. We left what was left of the home with the clothes on our backs. My daughter XXXX and was admitted to XXXX Hospital for XXXX. This incident made XXXX XXXX XXXX XXXX ( PA ). On XX/XX/XXXX, Tragedy struck yet again.. I was traveling XXXX in XXXX County, PA when I was XXXX ... the end result ... XXXX..Thankfully everyone walked away with XXXX due to the fact that I maintained a safe speed during the accident. Insurance company was going to total the vehicle, After explaining that I was unemployed and currently recieving unemployment, they made the decision to repair the vehicle under the stipulation that 1 ) They pay for 30 days of rental coverage and anything thereafter, I would be responsible. This is when all of my financial troubles began. I did infact hide the car because it was all I had left. My intention was always to pay for my car..but when one month turned into three ... then six ... etc ... I was just too far behind to catch up on my payments which were {$530.00} monthly. At the time I purchased this car I was employed with XXXX XXXX XXXX and made almost {$20.00} hourly so it was affordable ... until I lost my job. XX/XX/XXXX, I used a combination of my school refund check ( XXXX University ) and my income tax from a XXXX. When I made the phone call to Toyota, I was transferred to a different department where I spoke to a female named XXXX, I was never informed that the vehicle had been charged off. She asked how much money I had and I told her XXXX ... We agreed on that amount being sent via XXXX to settle the debt. I was offered the settlement via phone and now it is not being honored. My credit Report reflects that I still owe {$1900.00} and they are refusing to release then title of the vehicle to me. I also was not given the mini-miranda. I need my settlement to be honored and my title to be released to me. I made XXXX % of my payments to Toyota via XXXX and have ALL of my receipts including the final of XXXX. However that payment was split into XXXX as I was advised by the representative that I spoke with to do XXXX for $ XXXX and XXXX right after for $ XXXX. I did exactly what was asked of me to no avail of them holding up their end of the settlement deal. This debt reflects on my CR as a " charge off '' and does not reflect the $ XXXX payment that they recieved on XX/XX/XXXX.
the customer service will not help and take care of the negative inquiries that I did not authorize that is reporting to my account.
I had all my student loan information and online login registered to an employer email and phone number at the time. I had changed employers and was not receiving any of the calls or emails regarding my account. once I realized I did some research and called in to get things taken care of. when I spoke to the loan company I was told if I put my account on a forbearance it would bring my account current and not report any late to the credit bureau. now on my credit report it reports as 120 days late and causing me to not be able to get the mortgage loan I need to provide a home for my family. I called the loan company again to complain about this and they tell me there is nothing that can be done. I spoke to the credit assessment department and a loan manager. everyone says that I was 120 days late and I never was. my account has since been pain in full and still no one will adjust the issue.
XXXX XXXX I submitted XXXX questions via PennyMac Message Board. ( XXXX and XXXX ) They refuse to answer the questions directly and specifically. Except to tell me they already answered it or call customer service which is not acceptable. 
I would like a specific answers please:1. Is there a past balance due? If so, how much and please submit proof and supportive documentation. 

2. Is XXXX payment still due? A payment under the transaction amount does n't show for XXXX, although escrow and principal balance is credited for XXXX. The payment paid {$1000.00} and posted on XXXX/XXXX/2015 was for XXXX 2015. 

3. Is there a reason why the principal balance did not change from XXXX to XXXX after XXXX 's payment was credited? {$180000.00} XXXX {$180000.00} XXXX. 

4. Is there an escrow balance due and if so, how much? ( 2015 escrow is {$1900.00} ) Please answer each question which is XXXX questions, so there should be XXXX responses.
the origional debtor XXXX never sent me a security deposit back or a itimized list of charges or a bill or anything. After several calls and email attempts to find out where my deposit was or list of charges was I received no response. My deposit was 2 months rent XXXX dollars. A few month later I receive a collection bill from Hunter Warfield for like XXXX dollars. I called them and went asked them for a itimized list of what they were saying I owed the same I did for XXXX. They refused to send me anything. At this point Hunter Warfield was calling me 4 to 5 times per day. I finally had to change my number just so the calls would stop. So being an uniformed consumer and not really knowing anything to do or having the means to pay for help I had to accept the collection on my credit. As of recently I was trying to get approved for a loan and low and behold this collection account was an issue because of a dispute comment on the credit report. I talked with XXXX and they said the data provider, Hunter Warfield had to remove this comment. Nervous about this, I reluctantly called Hunter Warfield to get them to remove the comment. The person I spoke with laughed at me and the proceeded to ask me what I was trying to buy. I was very offended by this. He said that he would not remove the comment, he said even if I paid the collection off he would not remove the comment. Again my request for detailed explanation of the debt in writing was denied. So now I can not get the loan I needed because they would not remove a comment from my credit report that was not accurate and worse of all they started to harass me on my work number now. Which I never gave them permission to call or the number for. The guy I spoke with was completely trying to bully me to pay him money that I can not even get a validation for. I have already talked to several lawyers and I know I have a strong case. I just wanted to try to resolve this before litigation. I orgionally moved out of the rental over 2 years ago
I have tried to work whit Navient on lowering my monthly payments due to my income. Back in XXXX of XXXX they we able to lower it and I had to renew on XXXX of XXXX. I called to renew it and set up for auto draft on XXXX of each month. The payments didnt start till XXXX which i pay XXXX a month. Well it's now XX/XX/XXXX and they are telling me the renewal was denied due to missing documents. At the time of renewal they said i only needed a voice binding nothing else. I have had so many problems with them about them saying theyre missing documents and we cant lower your payments when they werw rquiring XXXX a month and thats one whole paycheck from me now before switching jobs that was what almost both paychecks for the month.
My wife attended XXXX XXXX XXXX School in XXXX, CA from XXXX XXXX, XXXX to XXXX XXXX, XXXX. We were lead to believe that we needed to take private loans in order to pay for this " highly for profit " school education. We took out a loan from XXXX XXXX for {$38000.00} and got an addition of a {$2300.00} prepaid finance charge plus a {$6700.00} and {$2700.00} capitalized interest fee. We also took out a second loan to help pay for expenses while my wife was in school. The XXXX XXXX loan was originally for {$12000.00} which had the addition of a {$720.00} prepaid finance charge as well as a {$2300.00} and {$1100.00} capitalized interest fee. We took both of these loans and consolidated them with XXXX for a cheaper rate. Before the ink could completely dry with our loan XXXX, XXXX XXXX lured us back with just a slightly better rate. So we came back. But now with the interest from XXXX, the loan we took out from XXXX XXXX was for {$73000.00}. Since our first payment on XXXX XXXX, XXXX we have paid {$41000.00}. Of that amount {$32000.00} has been for interest ( {$1900.00} - capitalized interest ) with the small about of {$9300.00} being applied to the principal. Almost 10 years later and our loan of {$73000.00} is only down to {$63000.00}. It 's just not right. We feel like we 've been taken advantage of, lied to and ripped off. We find not only Navient and XXXX XXXX but XXXX XXXX XXXX to be at fault with their unscrupulous practices. Who knows where we might have been financially if not for the predatory ways. It 's caused great headaches and credit card debt and other consolidation loans all with the fear of not missing these student loan payments. We want them to pay for damages of stealing from us. For taking something that was manageable for us in the beginning and making it grow in to something that we feel like we will carry for decades.
Ocwen financial continues to charge us for home flood insurance despite us not being in a flood zone since 2014. We have sent Ocwen the proof, from FEMA, stating that we are not in a flood zone since 2014. They have even acknowledged receiving the proof ( letter ) we sent to them stating we are not in a flood zone, each year since 2014, but they continue to try and forceplace flood insurance every year in XXXX when our escrow account is renewed. They are clearly trying to charge us for something they know we do not have to pay and they make it very hard for us to get the flood insurance they 're trying to forceplace canceled, despite us sending them all of the necessary paperwork 2 months prior. This is a wide practice and I am shocked that they continue to do this. They act with impunity and they 're harming consumers. I would like to see some action taken against them for knowingly trying to charge customers for something they do not have to pay.
I sent a letter however, I do no reply. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Tide Water Finance Company '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Look, I just got this letter today regarding a {$760.00} debt!!!!!!! I ai n't paying for it, cuz I did n't do it ... and that 's all there is to it!!!!! And I no longer reside at the XXXX Address either!!!
In regards to the registered letter I got today : NOTICE OF DEFAULT dated XXXX/XXXX/15. 
My first missed payment was XXXX/XXXX/15. As I am applying for HAMP thru Ocwen since XXXX XXXX, 2015 and I am only 1 month and 22 days late, I am NOT in Default of my loan agreement. I dispute the validity of the debt. Nowhere in my mortgage note does it say you will raise my mortgage payment {$520.00} a month. 

I applied for a RMA request for mortgage Assistance on XXXX XXXX, 2015 when my mortgage went suddenly from {$1200.00} to {$1700.00} a month. I expect to get HAMP and PRA. I am in touch with the department every single week and have been diligent about sending yet more paperwork every week to wrap up this slow process. 

I understand that the making home affordable program was created to help XXXX of homeowners modify their mortgages. As part of this program Ocwen and the Federal Government are working to offer me options to help me stay in my home. However that has not happened yet. On XXXX when I was 1 month and 2 days late on my mortgage I was sent a Deed in lieu and offered {$12000.00} to move out. I was given a 1 day notice as I received this letter on XXXX. I 've expressed that I want to keep my home. The options I 've been offered so far is to get out. 

My mailman told me that an awful lot of people in this neighborhood are receiving registered letters from Ocwen. It sounds like you are trying to do a hostile takeover of the community. In addition why are there XXXX different addresses for Ocwen in this letter in addition to the XXXX different payment addresses?
I had a checking and savings account with BOA for several years. They closed my savings as I made too many transfers. ( In CM agreement ). Then they began charging me a {$25.00} monthly fee. When I 've complained, many times, they have told me by letter and phone that it was changed as I no longer have a mortgage account. I never had a mortgage account to start with. I requested that the remove the {$25.00} fee from my account permanently. They issued some credits, but refused to remove permanently. I requested that they change my account to a different account without a fee. They refused. The last time, they said they would temporarily hold the fee for three months till I decide what to do. I was due to be charged XXXX 2016 again. On XXXX XXXX, 2016 I called to close the account to avoid the fee. I spoke to a very nice rep. named XXXX. She helped me with closing the account. During the conversation I told her I could not understand why my son had an account with no fee, and my daughter in law had an internet account with no fee, but after 15 years, I had to pay a fee. She was apologetic and said she wished I had mentioned that before she closed the account because she could have changed the account to a " core account '' like my son has. All I had to do was direct deposit {$250.00} per month to avoid a fee. 
I had written through the CFPB before, and spoke and received letters from BOA executive office and NO ONE offered me the core account. NO ONE! This would have been a very easy fix as I already had direct deposit anyway!!! I am so mad that all I received was explanations and copies of my CM agreement, but no one even in the executive office bothered to offer to change my account to the core account. NOW, I would like my account reopened and changed to the " core account. '' I am happy to reset my direct deposit. The ONLY reason I am even willing to want an account with BOA is because both of my sons and a friend also have BOA accounts, and it 's how we transfer money to each other for bills, etc. 1. Please reopen the account as a " core account. '' 2. I would like an apology from EVERYONE who had anything to do with my prior complaints who did n't even BOTHER to see if my account could be changed, when it could have. 3. XXXX, who I spoke with approx. XXXX. PT on XXXX/XXXX/2016, commended for great customer service and some knowledge about the accounts. Maybe she should be in the executive office! Please, email or USPS mail only.