WillisBack/dataset-financial-user-claim huggingface dataset:
I have made several attempts with Experian including sending them copies of the correspondences sent to the unauthorized company ( XXXX XXXX XXXX ) of which I have no contract with nor have I done business with them and they have never responded to any of my debt validation letters to verify validity of this alleged debt that they are stating that I owe and Experian is continuing to allow this unknown company ( XXXX XXXX XXXX ) to continue to report fraudulent invalid debt to my personal credit file without my consent hurting my credit and also communication with this 3rd party who I have no knowledge of ever owing a debt to or having a valid contract with nor have they proven to me that I owe a debt and they have the authority to collect a debt on behalf of some other alleged creditor and report negative items to my credit file. Experian and this alleged debt collector are both 3rd parties communicating with each other and Experian is sending this third party debt collector information that I am sending them without my consent. Even after the documented certified proof of the debt collectors failure to respond to the consumer to validate this debt, Experian still refuses to remove this unverified invalid account from my personal credit file because they are stating that XXXX XXXX XXXX is verifying my name, address, phone number, and S.S. # but not providing proof that they completed a true and correct real physical investigation regarding the validity of this debt and account. I have completed all of my Administrative Processes to get both Experian and XXXX XXXX XXXX to verify that this is a true lawful debt that I owe and they are both ignoring my correspondences as I am following the procedure provided to me by law to validate this alleged debt of which I can not get any feedback from XXXX XXXX XXXX proving that this is a valid and lawful debt that I owe and that they have the authority to collect on the behalf of the Original Creditor by producing to me a certified true and correct contract signed under penalty of perjury stating that I owe them or the original creditor any kind of debt.
Dear CFPB For the las t three months , I have written to Equifax on several occasions disputing the fact that the items listed below are incorrect. The credit bureau continues to state that they have verified the debt. Let this be a formal complaint against Equifax. The following accounts are the items the credit bureau has refused to investigate correctly. Also, I would like to add that the other  XXXX  major credit bureau s (  XXXX  and  XXXX  ) are reporti ng accurate and correct information about this account.      1.    XXXX    XXXX  Credit Card. Available balance and Credit limit are reported incorrectly.   2.  XXXX   XXXX   XXXX   (    XXXX   XXXX   ) I re quested to Equifax and the creditor listed on the report, several times, for proof that this account belongs to me. As of today, neither party has provided me any contract or any documents that proof that I am the owner of this account. I also notice inconsistencies with their last payment date since it is noted as  XX/XX/2017    on my credit report. I do not recall having any account with this company (  XXXX   ) I a m attaching a copy of my credit report by Equifax as of  X/XX/17    and also I am attaching my credit card last  XXXX  statements.     I thank you in advance for your assistance on this matter.        XXXX   XXXX
I contacted RIA money transfer to complete a funds transfer to my parents in XXXX XXXX on XXXX/XXXX/15. The funds were taken from my account and not deposited to my mother 's XXXX account. I contacted the company on XXXX ( the estimated date of deposit ), no one was able to explain where my funds were or what happened. I kept being transferred to an escalation group, instead kept being transferred to the same automatic system that I called into. I received an email last night requesting more information regarding the matter ( in response to an email I sent prior to my calls ). I responded to same and am yet to receive a response. There was not a lot of money involved. My parents are aging and going through financial struggles due to not being able to find proper employment to take care of my grand mother and sister that live with them. I sent {$150.00} to help during this holiday time, to no avail. Now, neither of us are having a holiday. I work hard for my money. I do n't waste and I pay my bills and taxes. This should not happen to honest hard working people. Please help me recover this money. 
**add on-Please note that this was an international transfer ( from XXXX to XXXX XXXX XXXX. there are sections below that require recipient information ; she is in a different country and has not received any of the funds.
XX/XX/2018,, And Cotinuting Problems, If Wells Fargo Banks Did ( ALL ) Those Very Bad Mishaps,, ( Note In Question )?? Why Have'nt Anyone From That Company Went To Jail Yet??, Its Very Obvious They Did Amit it??? And That Is A ( FACT )???
Bank of America closed all of my accounts in XX/XX/XXXX. I had been a customer of BofA since XX/XX/XXXX, and they closed all of my accounts without an explanation. I had a balance of Preferred Rewards points worth {$1700.00} that I was not able to redeem. I would like my Preferred Rewards that I earned to be returned to me in the form of a cash payment. I would also like to be able to open a BofA checking account.
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed  for a reasonable conclusion has been determined.
I had an issue with XXXX Wireless.  It got nasty; I wrote a letter to the XXXX, sent a copy with a note to the President XXXX.  The result was that all the XXXX billing was taken away, and I got a XXXX+ credit on my Wireless account.  I suddenly got a letter from MRS BPO, L.L.C. stating they were collecting XXXX for XXXX.  No one at XXXX knows anything about it. My current bills do not indicate the amount. I don't want my credit ruined by these people and no one knows who authorized the collection agency to come after me.  XXXX.
I was recently effected by the flooding in XXXX, LA. I have mortgage against the property, I have been out of my house for 3 months now and I have yet to receive any payments from my mortgage from the claim loss to finish the repairs. I have put all of the monies so far to complete repairs. When I call them to get answers I can never any person that is willing to bring it up to a high level to resolve my issue or even consider the pain and suffering my wife and I are going through.
Credit collection company showing account for XXXX XXXX XXXX on my report and my wife 's report. We have contacted XXXX XXXX XXXX and no response so far. Need help in removing this collection of our credit report
This happened back while I was stationed in XXXX in XX/XX/XXXX-XX/XX/XXXX. Around XX/XX/XXXX, an unauthorized transaction of around 1,400 dollars was made from my checking account and there was a website named XXXXm listed in the transaction info. I called Bank of America, wrote them a letter, and had our JAG office contact them, and I was basically told nothing could be done and that they believed that I authorized the transaction.
I paid additional money over the past few years that was supposed to pay down my principal. Instead, Chase kept the money and called it an " advance payment. " After several complaints they finally applied my payments as principal but they did so effective just this past month, when I actually made the payments years ago. I need them to make the payment effective retroactively and reimburse me for my interest that they overcharged me during the past few years. I am also waiting for a detail of all my payments made. I need the accurate new principal amount made immediately so my arm, which readjusts in XX/XX/XXXX, has the correct new payment, which will be lower than what they are charging me.
My USDA mortgage loan is currently serviced by Carrington Mortgage Services ( CMS ). CMS claims that the total amount past due is {$14000.00}. The alleged claim is for 14 payments. CMS alleges that {$3400.00} were transferred in late fees from XXXX. XXXX has advised there were no late fees compiled when the loan was transferred in XX/XX/XXXX. CMS is clearly trying to over collect on the amount due, so they can push the bill to the USDA for payment. I have also applied for a loan modification on numerous occasions and CMS has refused to submit the modification requests for underwriting to the USDA. Since the USDA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the USDA is unaware of the partial claim, they were clearly in the dark on the loan modification process. CMS is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. CMS also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of XX/XX/XXXX. CMS has refused to cooperate and has set a foreclosure sale date of XX/XX/XXXX. Based on the violations listed herein, I am seeking your assistance on this matter.
I sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the XXXX XXXX XXXX XXXX who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely,  XXXX XXXX XXXX
I conducted a serious of disputes regarding suspicious negative items on my credit report in XXXX and the items pertinent to the disputes were deleted. I distinctly remember a fraudulent charge under {$200.00} that was attributed to an address at which I did not reside-one XXXX XXXX at XXXX, TX. Incidentally, following the resolution of the dispute, a department at the XXXX of XXXX referred the " deleted debt '' to an agency called " XXXX XXXX XXXX '' The item was already deleted as the dispute demonstrated that the debt was unfounded and not mine, yet it is being reported once more. I contacted Contract Callers Inc and spoke with a XXXX XXXX, who stated explicitly to me that the company is unable to suspend the account on-file with their office to begin an investigation of sorts to get this matter resolved without obtaining my address to provide me a fraud packet. As I understand it, despite what she said to me, a police report is not needed to move forward with such claims, nor is a company obligated to use a 'fraud packet ' as the sole basis for an identity theft investigation. It was an aggression and deceit that which the collections representative XXXX XXXX employed to obtain personal information from me despite the fact that as a victim of identity theft, I did not feel comfortable giving a company unknown information after already having to use my SSN as self-verification. The information she provided regarding the procedure is untrue just as much as the company is wrong for seeking the fraudulent debt that which has already been permanently removed from consumer reporting agencies.
ON XXXX XXXX I NEVER BEEN LATE FOR A CAR LOAN I OWED TICKETS TO THE CITY OF XXXX THE FINANCE COMPANY TOOK THE CAR I WAS WILLING TO PAY THE FINANCE COMPANY FOR BOOT AND TOW FEES BUT THEY PUT REPO CHARGES ON THE CAR HOW IS THAT I DONT OWE THE FINANCE COMPANY SO I AGREE WITH AUTOMOTIVE CREDIT COPORATION TO GIVE THE MONEY TO THEM XXXX XXXX AND THEY AGREE THEY WONT REPORTED TO THE CREDIT BUREAU THEY BROKE THE AGGREMENT WITH ME MY CREDIT ALREADY DEEM SO ONLY THING IM WILLING TO PAY IS BOOT FEES NOT NO REPOSSESSION BECAUSE IM NOT LATE ON CARNOTE I TRIED SEVERAL TIMES WITH THEM XXXX XXXX THE MANAGER HAS REPEATLY GIVEN ME PROBLEMS
I was a member of XXXX XXXX, XXXX, NY. When I joined the XXXX XXXX, In XXXX XXXX, I informed XXXX of my XXXX and asked to terminate contract. My mailing address was in NY, so I did not receive anything of the debt until XXXX XXXX. I received a letter from the gym stating owing them debt dated XXXX XXXX. I contacted the Gym, and they directed me to First Credit Services debt collection. I contacted First Credit, and spoke to XXXX XXXX. He told me that I owed them {$430.00}, which was considerably higher than the amount the Gym claimed I owed. I have not received any written notice of the debt from First Credit Services, and I gave them an updated address. I have sent a letter requesting a validation of the debt, but I have not received anything.
I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
On XX/XX/2016 I used my TD Credit Card rewards to book a flight to XXXX on XXXX. Attached is my booking confirmation. I printed out my boarding pass the day before and when I arrived at the airport, I was told that there was a problem. My ticket had been revoked. How could this have happened? You can imagine a XXXX woman, by herself, being told that she ca n't fly to see her XXXX for XX/XX/XXXX. I was in a panic ... they had to get me a wheelchair, as my XXXX was just racing. Luckily, they got me on the flight, but I had to use another credit card to pay for the trip. How could I receive a confirmation and a boarding pass, only to arrive at the airport and be informed that my ticket was no good.
I made an application for an interest rate modification from M & T Bank. The home values in my area are below my mortgage balance. I tried XXXX toget them to adjust my interest rate to reflect the market, they have refused on both occasions.
I mailed a request for validation to Asset Acceptance , LLC on XXXX/XXXX/15. The return receipt card indicates that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically asked that Asset provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Asset 's response letter was sent just one day after after receiving my letter and is dated XXXX/XXXX/15 ; in this letter they identify the original creditor as XXXX XXXX. This company provides healthcare financing and this alleged debt is not identified in my credit reports as medical debt. Not only has Asset failed to provide the requested information, but they ask that I provide them with a copy of the contract and a copy of the bills or statements that show the amount owed or rates. If I am asked to provide them with this information then I can only presume that they do not have this information in their possession. My XXXX request for validation was mailed to Asset on XXXX the return receipt card indicates that this request letter was received by Asset on XXXX/XXXX/15. In my XXXX/XXXX/15 letter I specifically ask for proof that this alleged debt was assigned to Asset. Asset has not responded to my second request and has not properly validated this alleged debt. Asset Acceptance , LLC is Asset Acceptance Capital Corp 's main revenue generating subsidiary ( XXXX ). By way of Consent Order in the matter entitled USA Consumer Financial Protection Bureau, File No. XXXX, In the matter of Encore Capital Group , XXXX, et al dated XXXX/XXXX/15, Asset was identified as having violated Sections 1031 ( a ) and 1036 ( a ) ( 1 ) of the Consumer Financial Protection Act of 2010 ( " CFPA '' ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ; Sections 8o5 ( a ) ( 1 ), 8o6, 806 ( 5 ), 807, 807 ( 2 ) ( A ), 807 ( 5 ), 807 ( 8 ), and 807 ( 10 ) of the Fair DebtCollection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692c ( a ) ( 1 ), 1692d, 1692d ( 5 ), 1692e, 1692e ( 2 ) ( A ), 1692e ( 5 ), 1692e ( 8 ), and 1692e ( 10 ) ; Sections 623 ( a ) ( 8 ) ( E ) and 623 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) and 1681s-2 ( b ). Under sections 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565. In this matter, it was found that Asset had questionable debt buying practices, did not properly investigate consumer disputes, collects debts without a reasonable basis, collected time-barred debt, etc. Asset has not provided me with any of the requested validation information or their method of calculating that I allegedy owe {$19000.00}, which is {$8100.00} in excess of the alleged {$11000.00} ( approximate ) original balance. I believe that Asset has demonstrated many of the behaviors towards me that are outlined in the Consent Order and that they can not substantiate their representations. This alleged debt is time-barred and Asset has not conducted a reasonable investigation of my dispute, despite multiple requests.
Wrong and multiple address in my account under my name XXXX XXXX XXXX.I faxed trnaunion a copy of my state drivers license of IL.Yet they will not remove the multiple addresse from my account.Please help!
I received numerous calls and correspondence from XXXX XXXX XXXX On one of the correspondence ( settlement offer ) dated XX/XX/2018, stating that if I paid {$1700.00} by XX/XX/2018, they would settle the account. If the requested amount was not received by XX/XX/2018 the offer would be " null and void ''. I did send in the requested amount which was sent on XX/XX/18, which I realize would not be received by the requested date, but sent the check in hopes they would accept and settle the account. 

I called a couple of weeks later when I realized they cashed my check asking when I would get a letter that the account was settled. They informed me that the account would not be settled since I did not called them prior to sending in the payment. There is nothing in the settlement offer that states I must call them prior to sending in the requested payment which I told them but they insisted that I was to call them prior. 

I asked to speak to a supervisor as I could not understand the person whom I was speaking with and she refused my request but told to " call back tomorrow ''. I waited about a week to try to settle this matter again. And again I was told the account would not be settled as I didn't call prior to sending in the payment and also the payment was not received in the requested timeframe and that the offer was " null and void ''. I again asked to speak to a supervisor and after being put on hold numerous times, I was finally connected to supervisor, XXXX  id # XXXX, which was no help and just kept telling me that I didn't call prior to sending in the payment and that the payment was not received by the requested timeframe and the offer was " null and void ''. When asked why the check was deposited he didn't have a concrete answer, I told him that that was stealing and I wanted my payment back. At that request he told me I could call back the first part of XX/XX/XXXX and they would have another settlement offer or I could contact their dispute dept and see if the dispute dept would refund my payment which I am sure would not have happened.
I would like to report a violation of the Truth-In-Lending-Act by my mortgage loan servicer as follows : On XX/XX/XXXX I purchased my home with a mortgage loan from XXXX XXXX XXXX. At the closing, I signed the truth-in-lending disclosure statement which disclosed the monthly amount of the principal and monthly amount of mortgage insurance premium ( Varying from {$5.00} to {$4.00} monthly throughXX/XX/XXXX ). I  began paying the monthly principal amount plus the indicated MIP amount ( {$5.00} to {$4.00} in XX/XX/XXXX ). 

On XX/XX/XXXX the servicing of my loan was transferred to Nationstar ( now " Mr. Cooper '' ). I began getting charged the monthly principal amount plus {$64.00} for MIP, which did not match the MIP disclosed to me on my truth-in-lending disclosure statement. ( The truth-in-lending statement clearly states that my monthly payment amount includes the monthly MIP. ) In XX/XX/XXXX, my escrow account underwent its annual review, and I contacted Nationstar in XX/XX/XXXX to notify them of the discrepancy between the MIP amount I was being charged monthly and the amount MIP disclosed to me on my truth-in-lending disclosure statement. They corrected the discrepancy from XX/XX/XXXX through XX/XX/XXXX by crediting my escrow account each month with the difference between the two amounts. In XX/XX/XXXX, Nationstar stopped crediting my escrow account with the difference, and I began getting charged {$61.00} per month for MIP. 

In XX/XX/XXXX my escrow account underwent its annual review, and I contacted Nationstar in XX/XX/XXXX to notify them of the discrepancy between the MIP amount I was began charged monthly starting in XX/XX/XXXX and the amount disclosed to me on my truth-in-lending disclosure statement. I was advised to contact FHA directly. FHA then advised me to submit a complaint with the CFPB to report a violation of the Truth-In-Lending-Act.