WillisBack/dataset-financial-user-claim huggingface dataset:
This matter arises out of a dispute sent to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX XXXX in XXXX, NH XXXX. ( See : Attachments ) XXXX XXXX failed to reply to my XXXX request and upon dispute transferred the debt to XXXX XXXX XXXX. ( See : CFPB Complaints # XXXX and # XXXX ) Upon the CFPB complaints XXXX XXXX XXXX then transferred the debt to Valentine Kebartas who is attempting to collect the same debt that has yet to be validated by XXXX XXXX and/or XXXX XXXX XXXX. In response XXXX XXXX XXXX in complaint XXXX I specifically stated my opposition to XXXX XXXX XXXX that I did not authorization and/or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. I requested that any and all file ( s ), contract ( s ) and or information containing the name " XXXX XXXX '', address, email address, phone records, social security number, credit card information, phone number ( s ), etc. in any variation, spelling or derivative is to be DELETED from XXXX XXXX XXXX records. The company has dishonored my request. I also opposed to the disclosure, publicizing or revealing of any personal identifiable information to XXXX XXXX XXXX or any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which XXXX XXXX XXXX is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with XXXX XXXX XXXX. Valentine Kebartas and the aforementioned companies have violated 15 U.S.C.1692 et seq. in attempts to collect a debt by using false, abusive, deceptive, or misleading representation or means in connection with the collection of a debt ; attempted to extort payment with false litigation threats, false garnishment threats, threatening to enter a judgment also in violation of Section 807 ( 5 ) of the FDCPA, 15 U.S.C. 1692e ( 5 ) ; and Section 807 ( 4 ), 15 U.S.C. 1692e ( 4 ) ; Valentine Kebartas are " debt collector ( s ) '' engaging in deceptive and abusive practices that violate the FDCPA. In XXXX, the " FDCPA was enacted as a broad remedial statute designed to 'eliminate abusive debt collection practices by debt collectors, to insure that those " debt collectors '' who refrain from using abusive debt collection practices are not competitively disadvantaged. ' '' ( See : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( quoting XXXX XXXX. XXXX ( XXXX ) ) ; see XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX. XXXX. XXXX ).
SPOTLOAN HIRED XXXX TO CALL US AT WORK, CELL, FAMILY MEMBERS, ( ATTACHED FIND LIST OF PHONES CALLED ), IN VIOLATION OF TDCPA, TCPA.
Both XXXX and Equifax report my name as XXXX XXXX XXXX. 
I was born XXXX XXXX. I have NEVER had a middle initial.
I have a mortgage with DITECH which is a XXXX mortgage. It was first with XXXX Then it was transferred so many times without giving me a goodbye notice or anything. Now Ditech is stating that I owe them XXXX that is not accurate. I sent a validation request to Ditech as permitted under the law of the FDCPA. Ditech refuse to validate the debt. This is theft. I do not XXXX please help me
XXXX XXXX 2016 -- & gt ; YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and TransUnion GAVE NO FREE REPORT. IN FACT CHARGES A DOLLAR AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.
( Advance America ) XXXX XXXX called my home several times after I told them not to. A XXXX XXXX called all my references and gave the all my personal information. XXXX XXXX told one of the references that they were going to take her to court and she gave her my personal information. XXXX XXXX also called XXXX and left a detailed message about garnishing my wages and sending a sheriff over to my house to serve me with papers. I have talked to several people and I advised them to never contact me by phone or my references and to send me correspondence, they still continued to call. I have asked XXXX XXXX for their address several times which they would never give to me. Someone should be punished for what they are doing to me. I offered to set up payment arrangements by sending a money order but they refused and said they can only take payment from my bank account. I still hold Advance America responsible for all of this.
I've disputed Equifax for several weeks. There are errors on my credit file regarding a bankruptcy. I have repeatedly asked the company to provide a petition with my signature on it. They refuse to comply. And their method of verification is in violation of the FCRA.
I am adding and update to case # XXXX. My mother received in the mail a notice that since she had stopped payment on the $ XXXX+ check presented to XXXX XXXX and that they were now charging her a late charge of {$25.00}. Obviously, the fraud investigation unit has not informed any other dept of what they are doing. She gets very upset trying to talk to them, and they will not talk to me, so I told her to her to pay any legitimate charges on the card, and not pay the disputed amt. I also would like you to feel free to publish the issues of this complaint to others, as I feel this is not an isolated incident. Would like to know if this has or is happening to others.
I re cently decided that I 'm ready to buy a home. I pulled my credit report from ALL  XXXX  Bureaus and there 's nothing but inaccurate information and accounts that do n't belong to me. A while ago my purse was stolen and I have n't applied for anything since. I mainly bought things in CASH. However, not realizing that paying in CASH is n't always the best option. I am beyond furious with these reporting agencies. It seems as though they 'll report ANYTHING even if it does n't belong to you. I filed another police report for IDENTITY THEFT and still NO RECONCILIATION. I 've even taken taken the liberty of contacting ALL listed collection agencies asking for PROPER DEBT VALIDATION w/ SIGNATURES and still nothing.I am ready to close on my new home but these fraudulent accounts must removed prior to my close date in   XX/XX/XXXX . He re are the following fraudulent accounts : * XXXX **-   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATIONS ) ;   XXXX   XXXX   XXXX  -   XXXX   INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX   XXXX  -   XXXX   XXXX   - XX/XX/XXXX  ,  XXXX -  XX/XX/XXXX ,  **EQUIFAX** -   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX    :  XXXX  ,   XXXX   XXXX   :  XXXX  ,   XXXX   XXXX   XXXX   ( this company is reporting twice and it looks as though someone had household goods, mind I bought my furniture CASH years ago and I do n't apply for credit unless it 's with   XXXX   XXXX   ) ;   XXXX   XXXX   :  XXXX  ( this seems to be a credit card that I 've NEVER HAD and it looks as though this company is VIOLATING PROTOCOL and REAGING this account, PLEASE SEE FCRA GUIDELINES TO FAMILIARIZE YOURSELF WITH FCRA REGULATONS ) ;   XXXX   XXXX   XXXX  -  XXXX  ;   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX  XX/XX/XXXX  - XX/XX/XXXX   ,    XXXX   XXXX   XXXX    -  XX/XX/XXXX  ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX  - XX/XX/XXXX   XX/XX/XXXX ,    XXXX -   XX/XX/XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX ,   XXXX   XXXX   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   -  XX/XX/XXXX   ** XXXX **-   XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX   :   XXXX  ,   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :  XXXX ,   XXXX   XXXX   XXXX   :   XXXX    INQUIRIES :  XXXX -  XX/XX/XXXX ,    XXXX   XXXX   XXXX   XXXX  - XX/XX/XXXX ,   XXXX   XXXX  -  XX/XX/XXXX ,   XXXX   XXXX   XXXX  -  XX/XX/XXXX
We recently pulled our credit report and discovered that XXXX is reporting sporadic late payments on our closed account for XXXX, XXXX, and XXXX. 

According to XXXX 's Detail Transaction History for this account, a late fee in the amount of {$84.00} was assessed starting XX/XX/XXXX and for several months thereafter ( see attached ). The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which XXXX admits. 

According to the Fair Credit Reporting Act ( FCRA ), negative entries can only remain on the credit report for seven ( 7 ) years from the DOFD. Therefore, seven years from this date is XX/XX/XXXX, at which time all negative reporting must be deleted. As of this date, this negative reporting still remains on our credit report and XXXX refuses to remove it. 

This account was closed in XX/XX/XXXX, as it was refinanced with a new XXXX account, which has never been late. We never had any late payments prior to or after this time period. We are requesting that XXXX delete their inaccurate reporting on our credit report immediately.
My loan was sold from XXXX XXXX several years ago to XXXX. I'm sure you are aware of XXXX XXXX  " problems ''. XXXX then sold my note to Ocwen Loan Servicing probably around XX/XX/XXXX I think. I have had problems with the ( Ocwen ) ever since. Right now, I am trying to modify my loan but as is practice with Ocwen they take their time and then start sending foreclosure notices. Over a year ago, they raised my mortgage payment with only three weeks notice. I know the loan is an ARM, but that was a little much. I told them I could not afford the payment, filled out the modification paperwork and they denied it because they were showing my income double what I was making. When I called their attention to it they refused to make the correction and told me I could make the payments. I did for almost a year but had to file a Chapter XXXX bankruptcy last XX/XX/XXXX due that reason and my credit was great. Not now. The bankruptcy was discharged in XX/XX/XXXX. I signed a reaffirmation with Ocwen that XX/XX/XXXX as that is how long it took to get them to furnish one. They never filed a proof of claim until the bankruptcy trustee filed a complaint against them. It took them almost six months to provide the proper documentation six months after the bankruptcy was discharged. During that time I lost my job inXX/XX/XXXXand started a new job in XX/XX/XXXXmaking almost {$600.00} less a month. I have been trying to get the loan modified since the beginning ofXX/XX/XXXXbut Ocwen could not do anything until the bankruptcy issue was taken care of. I do not know how they manage to stay in business. Anyway, as soon as the bankruptcy court stated they had a lien as a debt collector and not a mortgage company, then the " collection '' letters began. I am almost 3 months behind on my mortgage and this modification could have already been taken care of. I am still waiting to hear their decision. I feel trapped.

I would appreciate any input you might have. Thank you,
I have been disputing this situation for 2 years now. Transunion has kept a tax lien on my credit report from XXXX, XXXX, that has been paid. The other XXXX credit reporting agencies have removed the damaging information from my credit report. When I filed a recent dispute on XXXX/XXXX/XXXX, Transunion retaliated by dropping my credit score XXXX points, from XXXX to XXXX, without an explanation. I monitor my credit report so I know EVERYTHING that happens and why. They did not list a reason, so I can only conclude that it was in retaliation for the dispute. Low credit scores = high interest rates for their business buddies. I want my credit score restored or provide a WRITTEN reason as to why my score was decreased. Also, it seems that as soon as XXXX score gets above XXXX the other XXXX agencies drop theirs on purpose creating this chronic yo-yo effect for consumers, especially XXXX. Its economic genocide.
I used my Chase card to hire a moving company for moving back to XXXX from XXXX. I was charged XXXX which was very high because of the antiques and one of a kind pieces of furniture I owned. The movers committed fraud! Breaking and trying to hide most damage from my son XXXX. I was n't going to be back XXXX for several months to see the full extent of my damages to my furniture and also to my sons home. Which was completely rebuilt after storm XXXX. The movers were n't to put the charge through until the move was completed. On the day of the move I was informed of many items damaged. The credit card dispute associate I spoke to assured me time was n't a issue as they understood I was n't going to be back XXXX for several months. They asked for itemized list of damages which I complied to the best of my abilities as many items were n't unpacked yet. I was told by Chase rep. To just concentrate on the price of my antique bedroom set as that was over XXXX. Value and all I could do was have card charges removed in the XXXX amount. Due to my health and recent loss of my husband I was just going to seek charges removed as they charged my card before even delivering the furniture. Chase associate ASSURED ME I was going to see the outcome in my favor as there was extreme negligence from moving company. I thought it a bit unusal she would basically tell me I was going to be " very Happy with the outcome ", yet kept asking me for more details. I was hospitalized in XXXX and then she wanted a appraisal done for just the bedroom set. I wrote back ASAP explaining I was in ill health and needed a couple of weeks to NOW HIRE A APPRAISER. The next week she wrote me back they asked the movers to work with them and they said no and I 'm fully responsible for the cost of the move!!! Even though the company Lied, Committed fraud, hired outside company. The credit card company completely does n't want to be out the money so they are now forcing me to pay or destroy my credit!!! With all my husbands medical bills we always kept paying our bills. Now this moving company who destroyed basically everything I own to some degree they want me to pay!!! I called their corporate office and was to.d to make payments on the card or my credit will be ruined! I to.d the woman if I had paid by check there would have been a stop payment done immediately! Also I never signed my furniture was delivered intact. The other moving company they hired, plus my son also had to hire men to unload the truck a XXXX XXXX only set One man!!! 
Please there has to be something that can be done I have all pictures before and after, witnesses etc. I believe this stress has caused a great deal of my medical issues as it has been going on since XX/XX/XXXX! I feel I am being pushed into a corner to pay a company that is on the ( Rip off report ) for doing the same thing destroying a recent widows furniture and then acting threatening to her when she complained. I was told by Chase 's dispute person I did n't need to file a civil suit if I would be ok with there favoring outcome. I said I was as I had several years of extreme stress and did n't want to sue now
I have a problem with the holder of my FHA mortgage loan, Caliber Home Loans. I have been trying for over one year to get a review conducted of my financial information and have been passed from one person to another without a review ever happening. Now they have set a foreclosure sale date for XX/XX/XXXX. I can afford my mortgage payment, but had a problem in the past where I missed some mortgage payments. I have been trying to get this straightened out and even tried to resume making payments but Caliber will not take these payments. They tell me that I have to pay all the missed payments as well as late fees and Attorney fees all at one time. If I ca n't do that, then the only option is loan modification. But that has been stuck because of the bad customer service at Caliber. 

I am gainfully employed and have worked as an XXXX for nearly 20 years. I occupy this home along with my daughter and her family. In addition to this income we now also receive XXXX as well. My daughter and I decided to purchase this property in XX/XX/XXXX, with the plan being that her family would move in and be helping out with all payments and bills. Unfortunately, the mortgage was only put into my name. I was struggling to keep up while waiting for my daughter to move in and help out. Eventually she did move in, but by that time I had already defaulted on the payment. I began reaching out to see what options may be available to fix this problem, and was provided with paperwork for a loan modification. I completed the paperwork and sent it back to Caliber but was told I did not fill it out properly. I began going back and forth with their agents trying to get them the information needed to conduct a review. During this process my dedicated contact was constantly rotating and it was hard to know where I was at in the process. 

I tried to resume making my monthly payment but was told that Caliber would not accept my payment. I had to pay the entire past due amount all at once or get a loan modification. Since I could not afford to pay the full past due amount I had to keep trying to work with their loss mitigation department, but was never able to get through the process to a review. This was extremely frustrating, and now I find myself in foreclosure with an auction date coming up. 

I know that if Caliber were to review my current financial information that I would qualify for assistance -- loan modification or partial claim for FHA loans or some type of forbearance agreement or repayment plan. I also heard that you can put the late payments back into the balance of the loan. Any of these options would help me, and I know that based on the current household income that I qualify. However, I have gone through a one year process of runaround with the Caliber team and I think this is wrong. Additionally, Caliber set a foreclosure auction date without providing any of the required Occupied Conveyance paperwork. I believe that Caliber is not following the guidelines for FHA loans and I believe I am being treated unfairly.
Good afternoon, I have a credit card from American Express and today I received an email from them stating that they have lowered my credit limit from {$18000.00} to {$7000.00} effective today. I currently have a balance of approximately {$6800.00} dollars. The only reason I put that amount of money on this card was because they had extended this {$18000.00} line of credit to me and I decided to use more than I usually do even though I know they will charge me interest ( these past months I have had to incur in more expenses than normal ). I am however paying off the card off in the following XXXX months ( as was my original plan ). However they informed of this credit limit decrease today without prior warning. Had I known that they would do that I would have never, ever opened a card with them. I opened this card in XX/XX/XXXX and I have never missed a single payment on the card and until recently I had always paid the full amount ( in the past few months however I have been making minimum payments to this card so I could take of other necessities ). Not only did they lower my credit limit which will affect my utilization rating and subsequently lower my XXXX XXXX, which will in turn increase my cost of borrowing should the need arise. Also what happens if with the interest they charge me, my balance goes above the credit limit? I would have to pay additional fees that would not have been charged had my credit limit been unadjusted. Not only that but when I call the customer service line to discuss what happened, they tell me that they had a solution for me which was for me to make a payment of 50 % of what I owed before early XXXX of this year, they would restore my credit to {$18000.00}. 

I truly feel that tactics like these should be illegal ( not to mention just horrible business practices because I will be closing my account as soon as I have finished paying off the balance ). How can a company tell me I have a credit limit of X and then all of a sudden lower that limit to Y without any prior warning whatsoever? What's the point of giving me {$18000.00} credit if in reality as soon as I reach less than half of it they will lower my XXXX XXXX and put me in a precarious position which would plunge me into even more debt should I not bow down to their demands. I can not believe that what they did is legal.
This rude " company " ( and I use that description lightly ) PORTFOLIO RECOVERY keeps harassing me. They are reporting on my credit report saying I had a credit card with XXXX XXXX. I 've never had an account with XXXX XXXX. Back in 2004 my purse was stolen and I 've had to watch my credit report like a hawk. They are also re-aging the account which is also AGAINSTTHE LAW. FURTHERMORE, PORTFOLIO RECOVERY CANT AND WO N'T FURNISH PROOF WITH SIGNATURES. THEREFORE, PORTFOLIO RECOVERY SHOULD CEASE AND DESIST WITH FURTHER CONTACTING ME, DELETE THIS FROM MY CREDIT REPORT AND AGREE TO NOT RESELL THE DEBT OR LEGAL ACTION AGAINST PORTFOLIO RECOVERY WILL BE SOUGHT OUT! 

THIS ISSUE NEEDS TO BE RESOLVED AND REMOVED WITHIN 15 DAYS!
I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days late as of XX/XX/2015

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/2018, I contacted Capital One about a charged off debt that was reported on my credit report. The information reported was a charge off amount of {$890.00}. I explained to Capital One that this account was not mine and requested any written evidence of my owing for this account as well as presented my FTC report indicating that I was a victim of Identity theft. Capital One responded that the account was verified without offering any explanation of how it was verified. To date, Capital One continues to report this fraudulent account which has a negative impact on my credit score in all credit reporting agencies. Capital One has not and can not provide any credible evidence that I am responsible for opening this account. I maintain that I did not authorize the opening of this account or benefit in any way from this account.
On Friday, XXXX XXXX I called the CFPB with questions about Flagstar Bank 's Consent Order and was given telephone number for a settlement refund line and Flagstar Bank. I called the Payment Administrator at XXXX and spoke with XXXX. I stated no, I did not get a postcard but I was sure I should be on the list. I then called Flagstar Bank at XXXX and spoke with XXXX. He asked for my old account number which I did not ave readily available so he used my social security number. XXXX told me that I was not on the list because I was never in the Loan Modification process. I told XXXX in XXXX XXXX, I started inquiring about a loan modification due the difficulty I was having in making my payments. Starting XXXX XXXX, XXXX, through XXXX XXXX, XXXX, I received and sent loan modification package information to Flagstar Bank. On XXXX XXXX, I called XXXX XXXX to get a status on my application and XXXX told me my application was denied. The application was denied because I was deficit {$320.00} Basically, XXXX explained I could not afford the mortgage. Early XXXX XXXX, I received a certified letter from a law firm stating my loan was in default and I could lose my home. I contacted a law firm that supposedly stopped the court proceedings and offered loan modification services.This law firm, XXXX was quite costly at approximately {$8500.00} and proved to be not so trust worthy. Then on XXXX XXXX, XXXX, XXXX XXXX called from Flagstar and conducted a XXXX, borrowers financial interview along with receiving letter dated XXXX and XXXX/XXXX/XXXX acknowledging receipt of loan modification packages starting a new application. On XXXX XXXX, XXXX, Flagstar announced my mortgage had been sold to XXXX XXXX effective XXXX XXXX, XXXX. So XXXX look further into his system abd he found where yes, XXXX had applied for loan modifcation, etc. XXXX gave me case to reference and stated he would escalate. I wonder how many other consumer may be overlooked like me?