WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter in the mail dated XXXX XXXX, 2015 from XXXX Synchrony Bank asking for me to call an XXXX number to confirm an application for a credit card ... I have never applied for a credit card for XXXX ... The letter is signed Fraud Prevention but it does not appear legitimate and once again I never applied for a credit card.
In XX/XX/XXXX, I had bought {$5000.00} American Express XXXX 's check from my bank XXXX XXXX, because, I was traveling. Unfortunately, the checks were stolen by my shipper, who never shipped all my goods as well. In fact of this, I called American Express to report my checks stolen, hoping for a quick replacement of the check. As is the polices of American Express, but, it was not the case. Because, American Express " needed my blood, '' literately. Anyway, I had done every thing possible that American Express needed from me, e.g. police report, etc., including my bank 's involvement to get my checks for me, so that I could travel. 

somehow, American Express never replaced my checks, after months in XX/XX/XXXX, instead, I got a letter that American Express do not believe that my checks were stolen. Yet, this company placed a stop payment on the checks, and did not replace the check which I needed to use. As a result, I traveled without my checks, consequently, I suffered and went through extreme hardship on account of American Express action. 

Please I want this office to make American Express replace my checks as soon as possible. Because, {$5000.00} is a lot of money that this company is trying to covet, or withheld from me, since, XX/XX/XXXX. This is my money ; I did not borrow, nor, stole any money from this company. 

However, recently, I had sent copies of the police report from XX/XX/XXXX, other documents, letters as I was told to do, as well instructions of where to send my checks, or money. Again, I beg this office to help get my checks, or money {$5000.00} is a lot for me. 

Thank you for your consideration in this matter. 

Sincerely, XXXX XXXX
Hello, This complaint is in regards to Experian and their business model of luring people in with a " free trial '' then charging them $ XXXX per month without the customer knowing it. I did not know I was being charged for over a year and lost upwards of {$240.00} without getting any value from the service. 

I am definitely not the only person that this has happened to - in fact there are probably thousands of people who have fallen victim to their business model of tricking people into subscriptions that offer no benefit to the " customer ''. 

Here is a small sample of people who have been defrauded of money by Experian then been denied a refund : https :XXXX I am sure Experian 's business is propped up by their predatory practice of charging people who do not know they have agreed to a subscription that offers them absolutely no benefit. 

The Consumer Financial Protection Bureau exists to " protect consumers from unfair, deceptive, or abusive practices '' and I can hardly think of a better example than Experian as a company who relies on deceptive practices to keep their business running.
XXXX, Experian and XXXX are reporting the wrong address and additional credit accounts that I do not own. XXXX, Experian and XXXX have been hacked.
For the past 3 months, I have been disputing the inquiries listed below for unauthorizations of pulling my credit reports with the credit bureaus and the businesses that have inquired. I have never given permission, written or oral, to any other these companies. I have enclosed documents that I have received in the mail stating that each individual company was unable to locate any information indicating that particular company made an inquiry on my credit file. 
XXXX XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX / XXXX, TX XXXX / XXXX / Inquiry Date XX/XX/17 XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX, XXXX XXXX / XXXX, CA XXXX / XXXX / Inquiry Date XX/XX/17 XXXX XXXX / XXXX XXXX XXXX / XXXX, PA XXXX / XXXX / Inquiry Date XX/XX/17 The inquiries listed below have also been in dispute for unauthorizations of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus along with the companies that inquired. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. I have enclosed documents of mail receipts and letters I have sent to these businesses. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/2017 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/2017 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 After my own investigation, this business is no longer operating. It shut down months ago. Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. Copy of returned mail is enclosed. 

The listed unverified inquiries have been proven invalid. None of the businesses can provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.

Please help me delete these inquiries from my credit reports immediately. I am tired of fighting with the bureaus and businesses about these inaccurate inquiries on my credit reports.
I received a copy of a writ of garnishment from XXXX XXXX XXXX XXXX that was issued from CSO Financial. I had no idea that CSO financial had a judgment against me. A few days after receiving the copy from XXXX XXXX, I got a Validation Notice from CSO Financial, stating that I should dispute within 30 days and they would obtain copy of the judgment and if there was no dispute they would assume the debt was vaild. A few days after that, within the 30 days, I received a Writ of Garnishment from CSO Financial, which states I can not dispute the validty of the debt but can only challenge the Garnishment. 
I tried calling and so did my sister, who is an authorized user on my account and neither XXXX of us was ever actually able to speak to a person. It is my understanding that sending those XXXX different notices within the 30 days of each other is in violation of the FDCPA because it sends confusion to the least sophisticated consumer.
I received a call from a different lady saying she was going to come to my house and shoot me. 

I have been contacted countless times by Continental Credit. They are looking for an XXXX XXXX. I have no idea who that is, but the company will not stop calling me. Today, I received at least 10 calls, and I spoke to a nice, professional lady who said they would no longer call me. 

After that, I received a call from a different lady saying she was going to come to my house and shoot me. The call came from ( XXXX ) XXXX. I called the professional Continental Credit number back at ( XXXX ) XXXX and they said the lady worked for a sister company and her supervisor was XXXX XXXX, ( XXXX ) XXXX. XXXX XXXX completely denied the phone calls and the phone number saying that no one worked for his company from that number. He acted like this number was n't in the records, when the previous people said it was and that he was the supervisor. 

I looked the phone number up myself on the internet and found it belonged to XXXX XXXX who works for Continental Credit. So, obviously, XXXX lied. 

What do I do to stop Continental Credit from calling and harassing me? My credit is perfect. I have had my phone number around 10 years. I have no idea who XXXX is. My number has been on the " do not call '' registry for years.
Since XXXX/XXXX/XXXX when I started a Request ID # for a Release of Deed of Trust from Bank of America on the mortgage loan I paid off in full on XXXX/XXXX/XXXX. XXXX County in XXXX is waiting so a title can be released. I have tried to work through approx. XXXX contacts to get this done. 
I have been given wrong information and been refused contact with supervisors. I was told that this ca n't get done for 3 mo. to 1 year and they keep changing stories/info. 
I did what I was required in paying loan on time and closing loan. Why ca n't Bank of America get their act together and do what it takes to get me the title to my home. 
If I wanted to sell the house or had too, I would n't be able to do so in a timely matter and would miss out on a possible opportunity because of their delays. 
Bank of America told me back on XXXX/XXXX/XXXX that I would receive proper title and documentation in 1-3 mo. I received a cover letter and the original NOTE by XXXX XXXX XXXX both stamped PAID in Full and loan paid off. 
The reps that have worked on this keep saying that they need something from XXXX XXXX? They have had since XXXX/XXXX/XXXX to get this. This Company is out of business. 
This is what happened over the period of the loan:XX/XX/XXXX opened 30 yr. mortgage loan with XXXX XXXX XXXX. 
XXXX/XXXX/XXXX loan was transferred over to XXXX XXXX XXXX XXXX XXXX , XXXX loan was again transferred over to Countrywide Home Loans , XXXX XXXX XXXX XXXX to be effective XXXX/XXXX/XXXX. 
In XX/XX/XXXX per rep Bank of America said they took loan over from Countrywide because mortgage scandal/bankruptcy. ( Note : Bank of America has had since XXXX to get all documents in order on the account. ) Also note that this loan was not with any mortgage co. for more than a mo or two till Countrywide from XXXX/XXXX/XXXX to XX/XX/XXXX. 
My request is to have documentation ( Request of Deed of Trust ) to XXXX County by XXXX/XXXX/XXXX. I was told when the 1st request Id was created the date would be XXXX/XXXX/XXXX. Since there are response times on this report this gives over the 15 day period. 
I also feel there should some type of fine or reprimand just like if I missed a payment I would get a late payment charge and could even get foreclosed when I was paying the loan payments. 
Note : None of the below apply this loan is paid off!! 
Also every time I contacted this company and had conversation I was informed that the calls were being recorded. They have all dates and information from my calls. 
I also have account numbers and documentation on file.
my wife received a Settlement Offer for Convergent Outsourcing , Inc. saying that he records of XXXX show that she has a past due balance of {$200.00}. They will settle for {$41.00}. She has n't has XXXX since 2005. We have never received any prior notices. It has not shown on any credit reports. We want to know if this is legitimate.
AFNI CONTINUALLY TRIES TO COLLECT A DEBT THE XXXX HAS STATED I DO NOT OWE I HAVE MADE THIS PLEASE OVER 6 TIMES FOR VALIDATION FOR 2 YEARS AND NO RESPONSE/XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  : ( XXXX United States ) XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX  : ( XXXX  United States ) XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Consumer Services Department XXXX Name Removal Option XXXX XXXX   XXXX XXXX, PA XXXX Date : XX/XX/2016 AFNI RE : ALLEGED Account # Partial XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
I have disputed with XXXX, Equifax , XXXX, about their practices of putting stuff on my credit report. I wanted proof from all on how they verified that these accounts belong to me. I have instances where one of the accounts stated they only verified that first XXXX digits of my SS # and the debt was listed on all XXXX of my accounts. I only proof that I will accept from all XXXX of these credit bureaus is a signature showing my name where I requested credit from each of these debtors. Using the first XXXX digits of my social security is not enough. If they ca n't or have not verified with a copy of my signature on the original loan, credit card or whatever I want the charges removed from all XXXX credit bureaus. I have attached the accounts in questions, XXXX ( XXXX credit cards ), XXXX XXXX ( XXXX credit cards ). As you can tell XXXX XXXX shows that I made a payment on XXXX and I do n't even have a credit card with them.
I had entered into a loan modification with XXXX XXXX XXXX at the beginning of XX/XX/XXXX. By the time all the paperwork had been completed, PennyMac had purchased my mortgage and had began servicing the loan. The completed modification documents were submitted to PennyMac, after all the trial payments had been made, by XX/XX/XXXX according to the PennyMac records. There was no mention made of any missing documents or any problems with the paperwork. Shortly afterwards, I began receiving billing statements from PennyMac showing that I owed over {$2000.00}. I then called only to be told that the modification was still being processed and to ignore the statement. I began to regularly communicate with PennyMac loan services to which I was told repeatedly that the modification was being processed and to " give it another 30 days ''. When tax season came around, the XXXX showed that I had only paid approximately {$2000.00} in property taxes and insurance premiums on the loan. After finally contacting someone other than a CSR, I was told that a document was missing from the modification which was delaying the entire process, my credit would be repaired and that a Senior Vice President was working on correcting my XXXX form. I was only six days ago that I received a phone call from a PennyMac CSR whom informed me that PennyMac was issuing a Notice of Intent to Foreclose on the property when I had made all my payments, fulfilled the stipulations of the Loan modification and followed the advice from the PennyMac employees. AT this point, PennyMac has reported that I am approximately 16 months behind on my mortgage payments. 
After doing some research, I discovered that this particular chain of events was anything but " happenstance '' as PennyMac has a history of following this pattern of action usually resulting in several of their clients having to file bankruptcy in order to distance themselves from PennyMac, XXXX XXXX XXXX, and XXXX. This is a clear violation of XXXX XXXX by practicing willful negligence by " losing '' loan modification paperwork while damaging consumers credit rating and proceeding with foreclosure proceedings against numerous consumers who are NOT a foreclosure risk.
Navient will not work with me with repayment plans. They tell me I have no more options and want me to pay $ XXXX/ month. I only make $ XXXX/yr. I paid over {$5000.00} in interest with them last year. I try to explain to them that I can not afford these payments each month, but they refuse to work with me.
So I am being sued for  XXXX  $ dollars for  XXXX   XXXX   XXXX .   Saying I owe all that mon ey. Fidelity Creditors h ave been contacting my work and my cellphone saying I will be sued for this balance. I told them I do not have the money to pay for that. They said if i do n't pay they will sue me.
I applied for a loan with Sofi ( sofi.com ). I was approved for the loan. I have not yet signed the papers to receive the loan - that is where the problem occurred. 
Once they alerted me ( via email ) that I was approved, I logged into my online account, ready to sign the papers for the loan. 
First, SoFi wanted me to confirm my identity. That makes sense. I had gone through identity checks before, so I was expecting them to ask routine questions. They asked me XXXX questions to identify myself, and XXXX of them were routine. XXXX asked me to identify a street I have been associated with. That was routine. Another asked me to identify the type of car I had owned or leased. That was also routine. 
The third question was very strange to me. The last question asked " What month was 'A Person ' born in? " The person the question asked about XXXX my siblings, but I have no idea why they asked me about that sibling 's birth date. I have never shared a rental agreement with that sibling, I have never co-signed a loan or a held bank account with that sibling ... I have never had any credit or financial history with that sibling. 
Therefore, I do n't understand why a ) SoFi asked about my sibling when that sibling and I had no credit history together or b ) how SoFi connected my information and my sibling 's information together in the first place. How did they know to ask about that sibling? 
Just as importantly, how did they use the information they had obtained about my sibling? What if they used my sibling 's credit history ( which I am not familiar with ) to make decisions about my loan terms? 
This seems like a violation of privacy, or misuse of my personal information. 
I contacted SoFi customer support via instant messenger and the person did n't really understand my question. That was on Wed. XXXX/XXXX/2015. That person referred me to call customer support, which I did, also on XXXX/XXXX/2015. I left a message about the situation and asked for a call back, but have not yet received XXXX.
I told them that I lost my job and I will have another job by the XXXX XXXX. I lost my job on XXXX XXXX. I continued to make the payments until I could n't anymore like two weeks ago on XXXX XXXX I wasnt able to make payment and the have called XXXX time a day from XXXX different numbers and I have ask them not to call me until after XXXX XXXX and the man hung up and called me right back the name of the company is Easy Money.
This letter is being submitted in light of XXXX XXXX  response to the recent " Overhaul of Consumer Records by the Credit Bureaus ''. I have reviewed my credit file and noticed the bureaus XXXX, EXP and XXXX  are reporting The below listed account that was not opened by me, I did not profit from the account having been opened. 
Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity.
I contacted attorneys XXXX, XXXX XXXX XXXX, XXXX because Experian has continued to allow 2 companies ( XXXX XXXX and XXXX XXXX XXXX ) to report on my credit when neither company has any documentation that gives them the right to report ANY history such as a signed application, or any file with my social security number. XXXX, XXXX XXXX XXXX, XXXX sent me a letter in XX/XX/2017, from Experian to fill out requesting my personal information and my concerns. I sent it to Experian certified mail on XX/XX/2017. I checked USPS Tracking which showed that Experian signed for it on XX/XX/2017 which began my investigation in accordance to FCRA 611 ( a ) ( 1 ) ( A ). I received two notices of disputes in the same envelope from XX/XX/XXXX ( 30 days after receiving my dispute ) stated that XXXX  was removed and XXXX XXXX shall remain and the other from the following day XX/XX/XXXX stating that XXXX was added back on which is in violation of the FCRA 611 ( a ) ( 1 ) ( A ) as well FCRA611 ( a ) ( 5 ) ( A ) that information deemed inaccurate or incomplete or can not be verified information to be removed and FCRA 611 ( a ) ( 5 ) ( B ) ( i ) that if this information is be reinsert that it must be CERTIFIED. In the notice of dispute there is no mention of the information for neither company is shown how it was certified in accordance to FCRA611 ( a ) ( 6 ) ( B ) ( iii ). I have contacted both companies personally and neither one has OPEN nor CLOSED ACCOUNTS or PAPERWORK that matches the information displayed by Experian.
Citi Mortgage is not reporting payments to credit bureaus. And I have spoken with them on several occasions in an attempt to remedy this issue
Carrington mortgage has bought my loan from XXXX XXXX XXXX, since they have, my account has been mixed up with another account. My payments have been misapplied and messed up since. Now they are trying to foreclose on my home and will not fix the solution so we can continue my loan.