WillisBack/dataset-financial-user-claim huggingface dataset:
I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
This is in response to prior claims that have been submitted and closed due to the response of the creditor. Claim file numbers are  XXXX  and  XXXX .  <P/> The foreclosure sale has been process my motion to dismissed was denied as expected, to think that the judge would listen to my case and my concerns was foolish. However I received this letter that I have attached from Citimortgage and have followed up on this I have not heard back. I want to the outcome and has this request has been processed and I am entitle to this refund. As their claim is that I did not make any payments while my file was in foreclosure but checks were processed cashed.  <P/> Please advise, thank you.
XXXX XXXX XXXX, GA XXXXOn XXXX XXXX, 2015, Wells Fargo sold my house through a foreclosure. Prior to the sale, I have sent to XXXX XXXX, my contact person all requested documents for the modification. Around XXXX XXXX, 2015 XXXX XXXX called me to request a new document that I have to download from the website. Because of confusion and type of document, I called XXXX XXXX to help me identify the new document.on XXXX XXXX, 2015. This document was completed and later sent to Wells Fargo prior to the sale date. Today, XXXX XXXX, 2015, XXXX XXXX mentioned that XXXX XXXX had requested of me proof of residence in that phone conversation. This is new to me and this information was never talked and mentioned in the conversation. This is another manipulation of facts or misrepresentation by the employee ( s ) of the company. At no point that she mentioned proof of occupancy.in the conversation. Today XXXX XXXX said that she wrote that statement in the side note. I was not aware of that until today. In addition, there is no over site. Wells Fargo can foreclose properties without facing any consequences. The company received TaxPayers money to conduct his business with the promise to provide loan products to minorities. So far, this promise has not been fulfill. I have requested Wells Fargo to rescind the sale of XXXX XXXX,2015. I have not heard anything yet,, The negligence for the review of HUD rules showed how powerful this institution can be. Therefore, they intentionally discriminate against me.
First of all, the option should be on here the way Credit Bureaus are factoring our scores. I see this is not one of your options, so here is my complaint. I paid my Mortgage off and all three Credit Bureaus decreased mine and my Husbands score by 40 or more points therefore leading to some of my credit cards decreasing my limits due to my falling credit score making it even worse. There will probably be more to decrease my limits. I would like to know why in this country are you penalized for using credit then your penalized for paying that credit off? This makes absolutely no sense what so ever. The factors should be changed.
I am getting really sick and tired of Wells Fargo. I had a dispute open for 6 months and they finally decided that I was resposbile for fraduelent charges ... I decided to go ahead and throw away my money and give them the min amount. I really wouldnt like to pay this bogus account, but in order to protect my credit, im going to throw away my money. almost 1,000 dollars worth of my hard earned money. BUT NOW, I cant even log into the account .... this is really annoying. And wells fargo keeps calling me to make payments!!!!! I told them i made a payment .... 

I am getting sick and tired of wells fargo stealing my money, but because my credit is more important, Im going to go ahead and give my money away to wells fargo ....
Diversified Consultants have a collection account on my credit report that I was not informed of AT ALL. They never sent me a notice at all where I could request validity and verification of that debt in which I am disputing. I am documenting this case right now for legal action if necessary and CC'ing my attorney. This collection is for {$470.00}. I reside at XXXX XXXX XXXX XXXX and never even heard of this company. I will be filing identity theft report and an affidavit as well since this is not my debt at all. CC : Consumer Affairs, FTC, BBB, XXXX XXXX XXXX.
I have been forced to buy flood insurance even though I am not in a flood zone. This is forced place insurance. I have protested since I fisrt got the loan. I have written XXXX QWR letters to Chase that I am not in a flood zone and have sent the proof. This proof was provided to the lender at the closing when I first got this loan ten years ago. I have paid {$6000.00} for this insurance. I want it stopped. I want my money back.
I contacted Transunion about 3 months ago approximately in referenced to an unauthorized inquiry. I receive an alert from XXXX with an unauthorized inquiry from a company called XXXX on XX/XX/2016. I requested for Transunion to dispute which they refused and I am entitled to dispute any fraudulent information on my credit report. What is extremely upsetting, is that there were fraudulent inquiries on my credit report a few months ago and I was informed to contact the police department and they would extend the fraud alert to the extended fraud alert for seven years and it was not applied as informed. I called Transunion and submitted online the case number from the XXXX Police Department, case number XXXX Officer XXXX. This company should have contacted me if the fraud alert was applied. I am asking for the immediate removal of this fraudulent inquiry. I contacted XXXX XXXX and they informed me to dispute with Transunion,
I AM A VICTIM of ID theft I have several fraudulent addresses on my file that are not mine please remove the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete the following : ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
On XX/XX/XXXX, my father received a call from XXXX XXXX XXXX in XXXX, CA requesting I contact them because they were filing a judgement against me. On XX/XX/XXXX I contacted XXXX at XXXX XXXX XXXX using claim XXXX. XXXX then informed me they were filing a judgement against me for a debt with XXXX   XXXX for the amount of {$1300.00}. 

I explained I had no knowledge of this debt before this call. I asked if I could get proof that this debt or account existed. He told me it did exist he had a credit report from XX/XX/XXXX  that showed the debt and it was connected to my full name and social security number. I then told him I needed some sort of proof that this was my debt and he told me he was taking that as " refusal '' to pay and they would move forward in court. 

I then again said I needed some sort of proof I owed this money and he said my request was unreasonable and " sarcastic '' and accused me of requiring him to send me " a picture of myself when I took out the card ''. Which was never requested. 

I then asked for basic details such as when this card was taken out, when the last time I made a payment was, he then got angry and refused to provide me additional details and told me I would need an attorney to get these answers.
In XXXX I got behind on my payments and I reached out to " Keep your Home '' program, a California program that assists people like me to avoid foreclosure. I qualified for {$25000.00} assistance. The issue was that the bank ( Wells Fargo ) had to accept the amount on my behalf and if so it would have been paid directly from the state to the bank. I completed and sent every document sent to me by the bank related to modifying my existing loan. The problem started to get worse when the bank representatives were often replaced and I had to deal with a new person constantly and I had to resend everything again and again. One of the last representatives I dealt with asked me to fax my loan modification documents from one of the bank branches. And I did. I used their branch located in XXXX XXXX in XXXX XXXX, Ca. Even though I had proof all documents were faxed, the bank still claimed fax was not received. While all of this was happening I was receiving collection calls from the bank. I was told my past due amount had increased a lot because some lawyers fees had been added to my past due amount. I asked them what was that all about and they said it was for legal fees for handling my case. I was extremely desperate. Then when a collection agent called again he mentioned if I wanted to accept something called short-sale. He explained it was better to do that than a foreclosure. I begged not to do that and asked to please accept the {$25000.00} from the state so I could keep my house but they said the bank policy did not allow them to accept it. I was about to have a XXXX XXXX and in desperation, I accepted the short-sale offer and I finally lost my house in mid XX/XX/XXXX. 
About a week ago on Friday XX/XX/XXXX I heard on the news about how a Wells Fargo computer error was the reason hundreds of people lost their home. The news even mention how the error added legal fees that eventually were part of the reason for loan modification denials. I already contacted the bank in person and I could not believe how the two employees I spoke with claimed they did not know anything about the news. I asked to speak to the bank manager and he was there but was not available to speak with me. I waited 45 minutes.
NCO Financials continuously calls my cell phone and has also called the home of a relative and told my relative that they needed to speak with me and left a phone number for me to call them at. I have told this company that have no knowledge of the debt they are referring to that they are attempting to collect. The representative referred to me by a former name that I have not used nor have been known by for almost ten years. They asked me questions to confirm my identity, all of which I answered, and then they asked me if I was sure that this debt does not belong to me. I have received another phone call today from NCO but, they hung up on me when I answered. I want this company to stop calling me and my relatives. If they believe that I owe them something or am legally required to pay money that they believe is due to them, they should contact me in writing. At this point, I consider their repeated calls to me and my family as harassment. The number that they called me from today is XXXX. I do not know the numbers that they have previously called me from.
Merchant Account : XXXX Name of the credit card company : XXXX Bank Name : Bank of America Merchant Services On XX/XX/XXXX, Bank of America Merchant Service Manager ( XXXX XXXX, XXXX, mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX FL XXXX ) sent me letter via XXXX stating XXXX has imposed {$25000.00} fine to protect XXXX 's XXXX XXXX XXXX XXXX. Bank of America MS has already debited more than {$6000.00} from my business checking account. <P/>I have requested Bank of America ( BAMS ) to ask XXXX to provide evidence for which XXXX alleges that I have been engaged in selling controlled substance by our company website. I sent my request on XX/XX/XXXX via USPS Priority Mail to provide any information that proved that I am involved in such activities. They have not responded. In XX/XX/XXXX letter BAMS further informed that I have to pay {$5000.00} to XXXX, if I have to file an appeal to XXXX. <P/>I am a very XXXX XXXX owner and I have no resources to file a law suit against giants like BAMS and XXXX. I am a very honest person and I have not sold or purchased any controlled substance in any manner. I would request your support in this matter urgently.
On XX/XX/18 I sent a dispute to the Experian at XXXX XXXX XXXX Tx XXXX and XXXX at XXXX XXXX XXXX XXXX, PA XXXX. They received them XX/XX/18 and XX/XX/18 respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/18 and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate accounts on my credit report and not respond to my dispute in a timely manner. After I contacted them in XX/XX/XXXX it was then being reported as current but fell behind, even though I told them it wasn't me and I never made a payment. The account is XXXX/XXXX in the amount of {$990.00} and needs to be deleted immediately for not following FCRA rules and regulations in a timely manner. This debt has never been verified, I have not received in the mail and EXPERIAN and XXXX aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my XXXX and continue my education.
On XX/XX/XXXX, I called to payoff my chase credit card and was given a total by supervisor at Chase. Supervisor said you will not be charge interest anymore after this I am making sure all is included in the payoff. on XX/XX/XXXX I get charge of XXXX dollars on a {$11000.00} balance. in a summary on XX/XX/XXXX, she charged all interst at that point no interest should have been billed after that since the balance is XXXX. I called back onXX/XX/XXXX and another supervisor will not make the adjustment and insist that she did not charged me enough that is the reason I need to pay. All I am asking for interst to be credit to my account. I overpaid my account because I made a payment on XX/XX/XXXX of XXXX and then paid off on XX/XX/XXXX. that is why they are trying to take my money. I need my money back. thank you
I received a bill from Ad Astra a couple of months ago, I called them and told them it was not my bill, I was told it was a XXXX taken online. I filled a police report, sent information to Ad Astra and XXXX XXXX that this was not me. Made several calls to each of them, filed info online with government agencies, etc. I 've never taken a XXXX. This is reflecting on my report. What can I do, someone took this in my name, it was not me. Ca n't they trace where the money went, obviously it did not go into my banking accounts. How can I get this cleared. Any help is so appreciated. Thanks XXXX
In XXXX of XXXX I disputed many items on my credit report. I had no idea of how that action would negatively affect applying for a mortgage. In XXXX of XXXX, I contacted all the credit card agencies and had the dispute comments removed. I even have copies from XXXX and XXXX that the disputes have been removed from Equifax, XXXX and XXXX. 
The disputes showed up again as unresolved two days ago in my credit reports. I was told by Equifax and the others the only way to get rid of these, was to open up a dispute. This is crazy. 
My XXXX account was XXXX. Received a letter in XXXX stating disputes were removed and resolved. They had shown up as being resolved ansd disputes removed up until 2 days ago!! 
My XXXX card ending in XXXX had the dispute removed and resolved in XXXX. It was removed in all of the credit reports. I have a letter from XXXX showing disputes removed and resolved. Now they are showing up again as open disputes on my credit reports. 
Also my other XXXX card that has been closed for many years is showing up as an open dispute. Please help. This is holding up my mortgage loan. 

Thank you. XXXX
JH Portfolio is reporting an acct on my XXXX that I never owned. They site XXXX XXXX as the original creditor, but XXXX XXXX has verified that thy have no record of any accounts for me. I have never had an account with XXXX XXXX. I filed a police report for fraud and provided it to JH Portfolio, but they still refuse to remove the account from my credit file. The date of the XXXX XXXX account is XX/XX/XXXX, {$3200.00}.
Equifax grossly mishandled my personal information and the personal information over over 100 million other Americans. Their inability to properly secure this information has left us all vulnerable to identity  theft and other forms of fraud.
I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. On XX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father 30 miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights
I contacted the collection company and requested that they verified that the debt was accurate and mines and written proof. To no avail they in fact sent me a letter saying it was verified with a typed procedure and amount stating that is was verified and that I owed said debt. This is a Hippa a violation I in fact did not request for my medical records to be presented to a third party.
XXXX IS REPORTING XXXX XXXX XXXXpursuant to FDCPA the reporting agency is required to provide WHO is reporting such information and their contact information that I may have them validate, absence of that information this must be removed from their reporting.
lived in a home paying rent for 21 years. The owner put the home in Foreclosure, I worked with Caliber Home Loans to purchase the home since XX/XX/XXXX of last year. They wanted {$85000.00} I submitted a contract with a Hud statement to purchase.I started my offer for {$70000.00} rejected then {$7500.00} which was reject and told it had to be {$8500.00} firm. Two days later they send me a e mail saying they reject and are taking the home to XXXX sale.In XXXX it went into Sheriff sale, they started the bid at {$200000.00} the amount with all the Attorney and interest fees plus what ever else. no one bought it. XXXX bought the home back. I tried to speak with someone to still purchase they said no, i had to leave the home. On XX/XX/XXXX the Sheriff came to gave me notice to vacate by XX/XX/XXXX, i did get a extension till XX/XX/XXXX. I'm being told i need to vacate the property then i can try to purchase it.They are telling me i have no tenant rites. I have put into this home within the last 21 years many up grades which i will list at the end of this letter. I also have all receipts to prove it. No one will speak with me to try to help me purchase this property. I feel i'm being discriminated against because i'm a tenant and a senior citizen. I now have to leave a home that i put my heart and money into, it's not fare to me that they will not work with me to purchase this home. Here is a list of improvements i put into the home thinking one day the owner would sell to me. New furnace and chimney liner, hot water heater, New chimney built from Basement Floor to first floor.New kitchen cabinets, cornon counter top and sink, Stove, dishwasher, micro wave, flooring., bathroom tub, sink, toilet, tile, new flooring on 2nd fl, large deck, new bath and kitchen windows, New front and back doors, 2 storm doors. repairing of roof. The list goes on. I have all receipts to prove this. This is a heart ship to me, i raised my son in this home, my grandchildren.Something needs to be done so that these Banks can not do to other people what was done to me Why wouldn't they work with some one that is all ready in a home and qualify s to purchase it. There is no protection for homeowners nor tenants its all with the banks. I di n't set the price a REO did for {$8500.00} so why are they not excepting my offer. I went back and offered {$100000.00} and they said no, i need to leave. I offered to pay rent, no i need to leave. If i'm not out by XX/XX/2018 the Sheriff will lock me out. Please help me to stay and buy this isn't fare what the Mortgage Co can get away with. .I will submit all proof of my repairs theirs so many receipts for me to send now but will upon request. I have emails from XXXX plus they have all my phone conversation recorded Thank you time is of the essences
I have repeatedly submitted disputes on items on my credit report beginning back as far as XX/XX/2018 to XXXX, XXXX, Transunion credit bureaus. Nothing has been removed as they only send back verified and nothing saying how they verified the accounts. I also have submitted police reports of fraudlent activities on the following accounts : XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX  and others. I have not lived at the address associated with these accounts and I have documentation to prove this.
After looking at my credit report on   XXXX   XXXX   it shows a debt that I already disputed and had removed from my report. I have never had   XXXX   XXXX   nor do I owe them. I was never contacted by the new collection agency by mail or phone to make me aware they were putting this on my credit report. I do n't know why this is back on my report after being verified that it was a fraudulent account over a year ago.