WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX opened a collections account on my credit reports on XXXX XXXX,2017. The only reason I know this is because I have credit monitoring accountt. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then XXXX XXXX has come along to make this achievement short-lived. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I received no documentation of this alleged debt. I have no contractual agreement with XXXX XXXX. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report. Remove this fraudelent trade on all CRAs ASAP! I will sue!
My name was attached to a business credit card account I had with Discover Bank a few years ago. Unfortunately, the business failed, and we were forced to file a Chapter XXXX bankruptcy back in 2015. This Discover account was included in that bankruptcy, however the bank continues to report this as an unresolved debt on my personal credit report. I have disputed this account several times with XXXX, XXXX, and XXXX XXXX, but Discover will not allow the account to be updated properly. I have also contacted XXXX XXXX  directly on numerous occasions to correct this matter, but Discover just keeps telling me to " call back later. There is nothing they can do about it right now. ''
Springleaf Financial of XXXX, CA Office refused to give me an approved loan after the review of my XXXX Bank Statement showing that I was making Installment Loan payments to XXXX XXXX and offered Today to reimburse me for gas and mileage from XXXX CA to XXXX and return.
This company did not provide me with Debt Validation and did not even responded to my letter. I have requested debt validation for account XXXX, last XX/XX/2017 and up to know I have not received anything back. This account was even disputed to XXXX  AND XXXX and has been REMOVED. Yet the account is still reporting to XXXX. There is definitely a violation of FCRA and FDCPA.
Was never sent a letter in the mail, a phone call, was never notified of this debt that is allegedly owed. I found it on my credit report and called the company to discuss the account and my options for payment. I was never given the mini miranda on first contact with them. I also have never sent a letter regarding the debt. I also told the rep that the services for the debt were not rendered but instead a part of a contract I had signed for daycare services. I requested a settlement for this fact. The rep instead told me one would not be eligible because I told her was a contract. She then said she actually wasnt even handling the account but that someone named XXXX was and that XXXX would be filing litigation but she wasnt sure. The rep was very rude and her tone was not one of someone who would like to provide a consumer with customer service anyone deserves.
I have several items on my credit reports that have been disputed with XXXX, Equifax, and XXXX. I have been ignored on some disputes, and sent generic non-personable responses on others.The FCRA ( section 611 ) requires that credit bureaus provide me with the method of verification upon request from the consumer, and within 15 days of request.I am aware that the XXXX credit bureaus typically handle disputes internally by using 3rd party software such as XXXX, and rarely contact the original creditor directly. I am concerned about the validity and accuracy of your recent investigation of disputed info that is reporting on my credit report. I requested an investigation because I felt the items were not being reported legally. I have since received a letter stating that your investigation was complete.Please explain to me how you conducted your investigation regarding the following accounts : 1.XXXX County Magistrate- ( XXXX docket # 's XXXX ) 2. XXXX- XXXX 3.XXXX XXXX- # XXXX ( sent you a request to delete and you have not deleted ) 4.XXXX- # XXXX 5.XXXX- ( # 's XXXX inserted XXXX with XXXX different amounts,XXXX ) 6.XXXX- # XXXX 7.XXXX- # XXXX 8.XXXX- # XXXX 9.XXXX- XXXX XXXX 10. XXXX XXXX XXXX XXXX # XXXX 11. XXXX XXXX XXXX ) XXXX- # XXXX
I submitted a settlement check that was the result of a judgment from an insurance company. The check was required to have the name of the current mortgagee and myself. I informed Green Tree the background history prior to submitting the check. The initial person I spoke to gave me what they thought the requirements would be for disbursement. Unfortunately, once they got the check all of that changed even the department handling the situation changed. They kept stating it was a claim for damages even after receiving copies of the court papers, affidavit from the original contractor, and a statement from the insurance company. Green Tree just refuses to give me my money. According to the reviews and statements from former homeowners this is their practice. They hold all the checks in escrow and profit off the interest. They have been in possession of the check since XXXX 2014. They are now proceeding to foreclose on my home, because of delinquent payments and still refuse to give me my money. I offered to pay for an licensed inspector to prove that the work had been done years ago, before they took over the mortgage. They said it would not make a difference. I sent a notarized statement offering to bring mortgage current and take the difference. No response from Green Tree. They are withholding a {$26000.00} judgment settlement check that would help me get my financial stability. Please help end this XXXX, and save my home.
Our monthly mortgage payment increased due to a shortage in the escrow account. To keep our monthly mortgage payment the same as before there was an escrow shortage, we had inquired as to the amount to be paid ( additional escrow amount ) to maintain the same monthly payment ; the service representative undertook some research and gave us a figure which we were assured, that when paid, the monthly mortgage amount due would be the same as it was before the escrow shortage. The shortage was paid in full whilst talking with the service representative. Due to the timing of the payment ( XX/XX/2016 ), the XXXX payment would be a higher amount with the XXXX payment reverting back to the same amount prior to the escrow shortage. Unfortunately, the XXXX mortgage amount due is {$210.00} higher than the amount prior to the escrow shortage. I contacted BBVA Compass and discussed this at length with them and was told that the monthly payment could not be lowered any further even if I made an additional escrow payment to cover any shortage.
Hi, good afternoon I am reporting an interest increase without notice and interest change too high, you will see when I send you the copies of the statement
I took a loan with Care Credit at my dentist 's office for paying for an expensive 18 month treatment. I was told the loan was interest free. Now I am paying interest each month. My balance of nearly {$1000.00} does not go down very much. Making payments on time is difficult. I ca n't get a history of my account or what I agreed to.
I have a number of fees for two of my credit cards for late payments. These statement balances were paid in full within a 24 hour period. My statement balances are paid, in full, every single month. The CC company decline to go back more than three months for any of the fees listed.
To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, XXXX, and Experian. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX XXXX
Todays date:XX/XX/XXXX XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX WELLS FARGO CARD SERVICE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WELLS FARGO CARD SERVICE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX. SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , FL XXXX
This is a complaint against State Farm Credit Card, the reason for this is because they have n't put the credit in my favor when already paid in full and deducted from my bank account, how many days it will take to unlock my card, I called in several ocaciones and is only a negative answer, this is a joke against me. and they will more than 7 days and still have not put the credit card.
While I was contacting different XXXX dealers, I contacted a company called " XXXX XXXX XXXX '' based on a XXXX XXXX guide advertising to inquire about the best package they can offer. XXXX from that company answered the phone and made me an offer that sounded ok. I explained to him that I 'm still contacting other companies and comparing offers, so he asked for some personal details to secure the tailored offer for me by saving it under my name. 
Few days later, I got an alert ( Through an ID monitoring service ) that my credit report had a hard inquiry twice, once from a company called " Alert center reviews '' which I have never heard of, and another from XXXX XXXX. 
By the time this has already occurred, I had already found the company that has the best reputation and best offer and signed up with them. Few days later I found XXXX more hits on my credit report ( Hard inquiries ). 
I called Equifax to dispute the first XXXX pulls as that company never had my consent nor mentioned they would run my credit. Equifax denied helping and instructed me to contact the company directly. I called the company and got their manager 's number ( Or at least who I was told he was ) XXXX. And called him to sort things out, he said he will reverse the pull but never did. 
I tried to google the company " advanced home security '' to get their address and send a formal registered letter asking for any evidence of my consent they had when they ran my credit. Only to find out that the company does not exist. At that point I realized that I was a victim of a scam and they fraudulently ran my credit. 
I called Equifax again on XXXX/XXXX/16, and spoke to XXXX ( Customer Service Agent ) who completely refused to help. I then asked to speak to a supervisor, was transferred to XXXX who helped me put an initial 90 days fraud alert but still refused to do anything to reverse the credit pulls and their impact on my credit score. She insisted that I contact the company again and ask them to do it. 
XXXX refused to consolidate the hits in one single it as they are all related to one single topic and still left me with XXXX different pulls from XXXX XXXX plus XXXX pulls from the companies ( Total of XXXX ). 
As I am only left with a phone number of a person who -supposedly- is the manager of a company that in turn does n't exist online nor have a physical address. My only hope at this point is that you can help me remove the extra credit pulls from my credit report.
I have XXXX small loans that have been transferred to Navient in XX/XX/XXXX. The cumulative value of my monthly payments was the cumulative value of all loans due monthly. For the last six months Navient randomly started applying my payments to only XXXX of the loans while assessing " late fees '' on the rest. Telling me by XX/XX/XXXX I was {$1300.00} " past due '' and receiving " past due '' notices. I made a substantial payment in XX/XX/XXXX and still, " past due '' over {$1300.00}. They blamed my bank and bank 's bill pay feature, which is bogus. They " reallocated '' my XX/XX/XXXX payments, provided a NEW ACCOUNT NUMBER ( not the one on their website ) to me to use for XXXX of the XXXX of my loans ... I 've cancelled email statements because I want all their lies in writing now and I 'm closely monitoring to see if any " late fees '' are actually assessed XX/XX/XXXX-XX/XX/XXXX as I will dispute them.
I was approached via cellphone from a company named  XXXX . This company promises to wipe out my {$16000.00} Federal school loan. This transaction was done all online with me first writing them a letter. This letter stated that I had  XXXX  income and was approved by the program because of my unemployment status. I was also asked for my income tax forms with social security and drivers license number which I provided the company. I was also told I was approved to pay  XXXX  dollars for 18 months, and that I also qualified to pay {$50.00} for 36 months. That after fulfilling this obligation I will owe  XXXX  dollars on my  Federal School Loans . But first I must sign a contract to pay {$1400.00} over the course of 18 months or 36 months. I became suspicious when  XXXX  told me I did n't have to do anything that they would contact the Department of Education and my creditor  XXXX  sending them a forbearance for my loan. And I wouldnt be responsible for any payment until  XXXX . Then I was asked to sign this contract for {$1400.00} which was the cost of my 36 month obligation of 36 month which is actually  XXXX  dollars and not  XXXX  dollars. I think this company was trying to qualifiy me and get me to sign as soon as possible. Is this company legitimating helping people this way with their student loans. Or is this just another way to lock me in a contract with them and other companies I know nothing about to defraud me of {$1400.00}?
I received the house at issue in my divorce and have been paying for it exclusively since XX/XX/XXXX. In XX/XX/XXXX, my ex husband declared bankruptcy. Roundpoint Mortgage Servicing has refused to communicate with me about the loan - the amount due, the pay off amount and timeliness of payments. My ex-husband 's bankruptcy was discharged XX/XX/XXXX and it has been closed since XX/XX/XXXX, and still Roundpoint has refused to provide to me any information regarding the loan, despite numerous telephone calls and letters
Previously removed inquires however some of them are still reporting, and there are some duplicates as well for the same dates. I also have a fraud alert on all XXXX bureau and inquiries are still being fraudulently made. I have tried to have them removed, but Equifax will not validate. I would for them to remove the following inquiries, or provide me proof of who validated the inquiries, and how it was validated. 
XXXX- XX/XX/XXXX,XX/XX/XXXX Duplicate- XXXX-XX/XX/XXXX,XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX. : : Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX : : Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX : : Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX : : Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry:XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Equifax discovered a hack into their poorly secured website that allowed the release of my personal financial information on XXXX XXXX, XXXX. They did not announce the discovery of this hack until XXXX XXXX, XXXX. 

My information along with over 148,000,000 million others ' information is now vulnerable to identify theft. This is utterly ridiculous that such valuable information is in control of an incompetent company. 
Equifax execs also offloaded over {>= $1,000,000} in stocks before making this announcing, basically profiting off consumer misfortune.
Kramer & Associates has been contacted on two separate occasions and have told them that we do not know what debt the Collection Agency is referring. We even contacted the original creditor to try to understand what they are talking about. This Company refused to talk to me about the debt. I believe that is an attempt perpetrate a sham on our company.XXXX
XX/XX/XXXX requested deletion of several inaccurate un verified accts. texas atty general child support ( equifax never investigated ) XXXX  credit card ( Equifax said updated info ) XX/XX/XXXX 2nd request atty general ( never investigated ) I sent copy of court papers. still nothing. XXXX card asked for delete of inaccurate unverified acct. ( Equifax said updated ) still reporting incorrect info. during this time XXXX and XXXX deleted these accounts due to not being able to verify acct. XX/XX/XXXX third request to delete inaccuarate unverified accts. sent second court document for atty general ( no investigation done ) XXXX account I asked for who, how and documents on investigation and received nothing accept ( verified )
I just got a call from a collection agency at XXXX on XX/XX/XXXX stating that I owe $ XXXX to XXXX County Florida for an automobile-related ticket in XX/XX/XXXX. It is currently XX/XX/XXXX. That means that they waited seven years to collect a debt I was completely unaware of. The original debt was {$10.00}. I should n't have been able to renew my license or vehicle registration with any outstanding balance. I had no notice that there was a debt owed. My XXXX credit score that I have worked hard to build is going to be ruined for seven years over {$27.00} that I would have paid seven years ago if I knew it was outstanding. I think this a complete oversight on the part of XXXX County. I ca n't imagine it is legal, and it is certainly unethical, to send someone to collections without notice over a supposed {$27.00} debt that was owed seven years ago. My credit is extremely precious to me. I 'm outraged to say the least. I would pay XXXX County Florida literally thousands of dollars not to trash my credit for the better part of the next decade.
I get seven to eight calls a day from XXXX. The original amount owed is XXXX. They want XXXX.
I have an ongoing nightmare with my deceased mother 's co-op in XXXX NY XXXX. Original investor Washington Mutual offered Mom offered Mom a second mortgage totaling {$240000.00} in XXXX, with XXXX as the servicer. This was bought by JP Morgan Chase in XXXX, XXXX when XXXX went out of business for mortgage fraud. My mom was not qualified to fulfill this contract in XXXX when it was approved by JP Morgan Chase and XXXX : she was then XXXX and living on only {$25000.00} a year in social security. Though they do not admit it, there was a law already on the books prohibiting this unfair practice. 
But both the past servicer, XXXX XXXX XXXX, and present servicer, XXXX, as well as XXXX are unwilling to help with either a principal reduction or deed in lieu of foreclosure. The XXXX XXXX XXXX made sure to unload this toxic situation before they faced the {$17.00} XXXX mortgage fraud penalty in XXXX XXXX, obviously so they could avoid helping the consumers in trouble. XXXX coldly declares " it is our policy to not complete a mortgage release on a co-op. '' After she passed away in XXXX, the servicer has scheduled foreclosure twice, cancelling it XXXX times. It is now 'in foreclosure ' again since XXXX, but no sale date is set. I also live on limited income and can not afford to take over the deeply underwater mortgage. 
There was no reasonable expectation they would ever be repaid the loan amount of {$240000.00} due to Mom 's severely limited income, advanced age and lack of assets. They have taken no accountability for loans that should never have been approved. But the creditors hold all the legal cards in the present legal atmosphere.
My home has passed the 80 % loan to value mark and I want the PMI payments to be removed from my mortgage with Wells Fargo. I called the lender and they gave me the run around. There is no reason for me to pay an additional {$220.00} a month on my mortgage. A full 25 % additional each month. I have 6 years of onetime payments. I want this PMI removed and not by going through a refinance. Please help.