WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted Exeter Finance and XXXX on several occasions in regards to a fraudulent inquiry from XXXX XXXX XXXX dated X/XX/2015. I have supplied them with the police report and identity theft affidavit and they continue to refuse to remove said inquiry. They continue to tell me to contact XXXX XXXX XXXX however they themselves even removed their inquiry after I supplied them with the exact information I provided to Exeter Finance. <P/>I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy This will be my last attempt before seeking legal counsel.
For the second time now, I paid my Macy 's credit card in full and had a {$1.00} balance the following month. After the first time, I called and they said that this was interest from when I paid the payment to when the payment was due. This second time, I specifically called them and verified that the balance that I was paying was the absolute total that I owe. They confirmed on the phone. I then receive a {$1.00} bill the next month for supposed interest.
This credit card was opened in XXXX with XXXX bank Delaware. This is a credit card I could not make payments on. On XXXX XXXX I made my last payment toward this loan. On XXXX XXXX they started to try to collect this debt and put negative information on my credit report. On XXXX XXXX XXXX sent this account to Midland funding llc for them to collect. They XXXX are still reporting this negative information on my credit reports. Its been well over 7 years from the default. I have contacted them my phone and mail asking them to up date or remove this from my credit report. They just continue to report this information. They also try to contact me by phone for collection purposes. See attached for proof of over 7 years.
I have a pre-paid Rush card. I have had no access to my account for 12 days. The company said they updated their system and something went wrong. Customer service does n't help. A technical glitch is what their calling it.
There is a paid judgment of my credit report in the amount of {$1200.00} dated   X/14 . I ha ve mailed copies to all  XXXX  credit bureaus (  XXXX , Experian and  XXXX   XXXX  showing proof that I won this case back in    2014 I b elieve. They only show it being paid and have not removed from my report. It clearly states in the final judgement  " Counter Claim Offset '' so Im not sure why this is listed on my credit report and I would like this information to be removed because it is affecting my credit score although is paid.
For approximately XXXX-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX   C/O Resurgent Capital Services XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX  demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XXXX XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX XXXX custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact XXXX XXXX  XXXX ; however, account number provided by XXXX XXXX is inaccurate.
The account with BPPR XXXX XXXX should not be on my credit! This was a mortgage that was included in my Chapter XXXX Bankruptcy in XXXX and was discharged. The original creditor was XXXX XXXX XXXX in which BPPR XXXX XXXX somehow obtained the account from. XXXX  is in clear violation for allowing this debt to be reported delinquent after it was discharged in a bankruptcy AND due to the fact the debt was cleared in XXXX, this is way passed the allowed 7 years to report to my credit report. 
One, it is illegal to repot this debt beyond the 7 years allowed per federal guidlines and two, the was discharged through a Bankruptcy so Banco Popular should not be reporting any balance. 
I attempted to have XXXX investigate and remove this on their own but they came back with it is staying on the credit as is. Attached are the bankruptcy docs showing XXXX XXXX ( original mortgage then transferred to Banco Popular ) being included in the bankruptcy.
I had a loan for a XXXX XXXX that was financed by XXXX XXXX XXXX XXXX it was opened on XX/XX/XXXX and was closed due to it being totaled on XX/XX/XXXX due to a serious car accident. XXXX XXXX was made aware of the car being total and provided all information related to the insurance payoff that would be made to them due to their lien on the vehicle. The insurance company sent me a certified letter showing that they had paid the XXXX XXXX - however, XXXX XXXX shows that I was past due on the account which is untrue and false.
I called the company to dispute the validity of the debt and was advised by the representative that while it may take up to 90 days validate the debt, I could take advantage of the discount period in order to settle the debt. I advised that I received notices from two different companies and that was the reason I was in contact with this company. The attempting to collect occur twice before I was told they would send me something in writing.
Alliance one is continuing to report XXXX different collections that do not belong to me. They continue to ruin my credit. I have continued to dispute the accounts with the credit bureau and they come off but yet Alliance One continues to re report. The accounts are reporting without a social attached to it. There are several XXXX in this household and Alliance one continues to report the account without personal information just name and address. This complaint should serve to alliance one as a debt validation letter and I am requesting the following documents. 

*Itemized statement of all charges and credits on the above mentioned account from the date the account was allegedly opened to current date to substantiate the amount that you are attempting to collect*Proof of assignment of the alleged debt from the original creditor, or proof of your purchase of alleged debt from the original creditor*Statement confirming that no part of this debt was paid by an insurance claim or used as a write off for taxation purposes*Provide a copy of an original executed contract that contains my signature, where I agreed to this debt and my personal information where it shows it belongs to me. 

I have sent Alliance Onel several letters certified mail that I have proof for and they continue to ignore my request
Victim of frau d - Criminal ha s been charged and is serving a prison sentence for this crime. Even after documentation to support this was submitted credit reporting agency refuses to delete the incorrect information according to the FCRA
there are multiple inquiries about XXXX on my credit report that are from years ago that I am telling them that I did not do and they refuse to remove them and this is drastically hurting my credit report
My mortgage is with ocwen. They have denied every modification that we have applied for. Since the last modification I have indicated that I want to sell the house thru a short sale and i have sent XXXX offers. To date, I have not hear from them. On today, I called them XXXX for them to give me an update. I started calling XXXX about XXXX and as of right now I am no further than I was this morning. Ocwen has held my life hostage with this mortgage and they want continue to lie cheat steal to myself and family. This is not a game to me but the obvious is to them. I want to either get a modification or sell rhis property. I NEED SOMEONE ON MY SIDE RO GET A RESOLUTION. PLEASE HELP ME!
Over this past weekend, Home Point Financial corporation reported to the credit agencies that I was delinquent 30 days on my mortgage payments. I have verified with my bank and with my account on the Home Point Financial website that I am currentl on all payments. This error in reporting dropped my score by over 100 points. 

I have attempted to reach them repeatedly to no avail, and I have received no response to phone calls or email sent to the company. 

I found out that other customers are affected via a XXXX XXXX, when I would have rather heard directly from the company. At this point I do not know when this will be corrected, how long it will take to reflect in my credit score or what long term effects this may have on my account. 

Given the recent track record that I've had with this specific servicer, who was late to pay my home and flood insurance as well, I don't expect their resolution to make everything right in a satisfactory amount of time. This is alarming, given the severity of the problem they are causing with the credit scores of their customers that are responsible and pay on time. 

I am concerned this may occur again with this servicer. 

Upon request I can provide copies of relevant statements from the Home Point themselves along with those from my bank.
I am XXXX, behind on my mortgage, and so requested a modification in XX/XX/XXXX. I have completed the package and tried numerous times to send it in via XXXX XXXX XXXX ( Provided by Mortgage Company Ocwen ) for the last 2 days. All attempts failed. 

Last night I sent it in via my XXXX account. I have called Ocwen ( XXXX ) and can not as of Friday ( XX/XX/XXXX ) XXXX XXXX. CONFIRM RECEIPT. I spoke to XXXX ( Em # : XXXX ) and she advised me that she sent an e-mail to my " Loan Modification Specialist. " In calling today, I was for the first time alerted to the fact that my house is to be auctioned on XXXX/XXXX/2015.
This complaint is being made for several reasons ; I will be listing them below and will be making a separate complaint against each of the XXXX bureaus. I feel that I am a victim of abuse, handed out by these mega-companies that have no XXXX to hold them accountable to. I wrote the bureaus myself last month and listed my disputes in great detail, listing the reason why I felt my accounts are inaccurate. TransUnion has not investigated any of my accounts. I have contacted all of the companies on my credit file to inquiry whether the credit bureaus have contacted them and what documentation was used to substantiate the way they are reporting the item in question. I know my rights and I know that when I notify them of inaccuracies, they are required to provide an investigation into these items. If I do n't agree with their results, they are required not only to do another investigation, but to ascertain that the info they receive from the creditors is actually correct and accurate. To send me something stating they will not investigate AT ALL is completely ridiculous. They get paid to report information on my credit report so they have no incentive to remove these items. They think that by sending me a letter, I 'm going to accept it, shut up and go on with my life. I KNOW that my rights are being violated and I will get an attorney if I must to actually do something on my behalf. I know the accounts on my credit file that i have disputed are either inaccurate, unverified or incomplete. I would like to see the actual documents that were used to verify these items, I would like to know their method of verification and I would like to know why they are reporting items on my credit file that have not been legally verified. XXXX states that the only legal form of verification is firsthand knowledge ; that means they are required to have the actual proof in their possession to verify these items. If they do n't, they are not legally verified and must be removed. 
I 've included my XXXX and XXXX dispute letters which detail why they are inaccurate.
I was discriminated and treated with disparity by XXXX XXXX. XXXX did not give or serve me properly with my constitutional rights regarding my home mortgage located in XXXX XXXX XXXX, CA. I never received the XXXX packet from them. XXXX violated my due process of the law, I feel and sense that XXXX did this intentionally to harm me. Me and my house are in a judicial sale process by XXXX XXXX.
Clarification. This complaint process forced me to select from 1 or 3 options regarding my issue ... but NONE of the options actually reflect my issue. I discovered that for a " period of time '' in XX/XX/2017, transactions appeared on my billing statement, but DO NOT appear in the online transaction details that I downloaded! And I've attached documentation regarding this. I explained this to American Express and they said that they can only see my statement - NOT the transactions details that I can see and download online. This is very, very strange to me. And to be clear, this discrepancy ONLY exists for a short window of time in XX/XX/2017. I've attached transaction details, downloaded directly from americanexpress.com and you'll notice NO TRANSACTIONS between XX/XX/2017 and XX/XX/2017. However, I've attached my American Express statements for this period and you can CLEARLY SEE transactions. I can't get American Express to explain or resolve this ... ..
My actual closing documents were nothing like the good faith estimate provided by my lender. 
The lender had several charges added to the closing that were not applicable to my loan. 
Septic inspection ( on sewer ) {$500.00} Well inspection ( city water XXXX {$300.00} Several more that my realtor caught. 

Basically my closing was so haphazardly put together that no one could figure it out. 

The Bank of origin was First Tennessee XXXX XXXX was point XXXX XXXX was processor
Barclaycard refused to address my XXXX XXXX hotel dispute. They rebilled me for a XXXX XXXX charge in error. They failed to respond to my letter disputing the rebill based on events that occurred after the rebill. They also billed me an additional XXXX more than my balance for no reason at all.
Equifax and XXXX report an account with XXXX is in collections. I have no account with XXXX and have had no communications from them about an overdue account. Suspect fraud.
On XX/XX/18, I was contacted by someone from the XXXX XXXX XXXX, who stated that I was owed {$520.00} credit from a computer company that went out of business for services that I purchased. When the refund would not got back on my XXXX card, they asked me for my bank. I told them USAA, but my account was credited {$2500.00} instead of {$520.00}. I was sent an email with the USAA logo stating that I had to pay the difference of {$2000.00} back to them in gift cards from XXXX. I went to XXXX, purchased gift cards and withdrew {$2000.00} from my USAA account. I called USAA that night to ask them to verify where the funds originated from and they could not tell me. I told them that I felt that I was a victim of a scam because the XXXX XXXX people had used/accessed my computer and I could not get back on my computer for an hour ( which I felt was suspicious ). I called USAA again next day and they transferred me to a fraud division to file a complaint. They still could not tell me where the funds had originated. I decided to close my account beause of 1 ) the way the representative handled my complaint and 2 )  XXXX called me and told me that someone had tried to make a purchase at XXXX and XXXX XXXX on my card also on XX/XX/18 for {$400.00} and {$200.00} respectively. This confirmed that I was a victim of a computer scam. I tried to close my checking account on XX/XX/18 but had to wait 24 hours till XX/XX/18. 
I received a letter from USAA on XX/XX/18 telling me that there was no fraud on my account. I also received a letter two days after telling me that my account was reopned and that I had to pay {$2500.00} in 41 days or it would be reported to credit agencies. 

1 ) Why was my account reopened after I closed it? 
2 ) Why can't USAA tell me the origination of the first credit of {$2500.00}? 
3 ) Where did the debit of {$2500.00} originate? 
4 ) Why was it so easy for the scammers to access USAA account without me giving them checking account numbers or anything, but the name of the bank. 

I called a representative again a couple days ago, still no one can tell me where the credit originated from. As a banking institution, anyone can put money in and take money out of someone's account with no identification name or source. Don't banks monitor deposits and withdrawals. They want to hold me accountable when they can't hold themselves accountable. It was a scam obviously. XXXX was professional enough to investiagte and credit back my acoount, but USAA wants me to be victimized again. I want them held accountable for the credit to the account originally when I did not even give my checking account number to the alleged XXXX XXXX XXXX scammers. Aren't there laws to protect customers from scams using the banks? 

So now I will be scammed twice. 1 ) By the scammers for {$2000.00} and 2 ) by the bank for {$2500.00}. I have a thirty year credit history with no late payments ( this can be verified ) on it but now this incident will tarnish my credit history. I will not be victimized again. I also reported this to the Federal Trade Commission Consumer Response Center for the computer fraud and I have a reference number.
They threaten that they will come to our residence or business to " serve '' us. Numerous empty threats many of which I have saved voicemails on my phone.
This company keeps buying and selling this account. This account has been placed on my credit report by different creditors and is outdated and should be removed. I stated to representative that called that I would only discuss this account with the original owner. I also called the original account owner and was told that they have no records on file. If the original account owner has no records, then why should I be paying this company in which I did not open an account with. In conclusion, I do not owe this company ; therefore they should not be reporting anything on my credit report.
On XXXX XXXX XXXX I sent a letter to XXXX requesting that they remove two inaccurately reported 90-day late payments from XXXX XXXX from my credit report. All 8 of my federal student loans which were serviced by XXXX XXXX were in forbearance at the time of the alleged late payment, yet for some reason two of them are showing as 90 days late on my credit report. I included a letter I received from XXXX XXXX in XXXX showing the dates of my forbearance which included XXXX XXXX. If loan accounts are in forbearance it means no payment is due so how can a payment be late if no payment is due. Supposedly XXXX " investigated '' this matter and continues to report that this information is accurate. I have disputed it with all 3 credit bureaus and they continue to confirm this information is accurate with XXXX. I do not feel anyone actually investigated this matter, no actually read my letter as they are unable to actually tell me WHY this information would be accurate given my student loan forbearance status, they just sent me a form letter indicating their information reporting to the bureau is accurate.
Equifax inappropriately handled my personally identifiable information in a way that exposes me to long-term, potentially irreversible, harm. During XX/XX/XXXX Equifax became aware of an vulnerability in their systems that allowed sensitive information on consumers to be exposed to unauthorized individuals. In the time period following this discovery the company did not make the public, myself included, aware of the exposure. Equifax continued to withhold this information during the two months following the attack. 

In XX/XX/XXXX Equifax announced the incident publicly and provided a service to identify accounts that were impacted. On XX/XX/XXXX I used this system to identify if my information was included in the leaked accounts, where via this service I was informed that my information 'may ' have been included among the millions of records lost. 

Based on the information available it is my opinion that Equifax practiced gross negligence in adequately protecting my personal information vis-a-vi financial institutions. Although what is most deeply unsettling is that unlike financial institutions, my consent for Equifax 's possession of my information did not come from me directly. To clarify, I am aware in retrospect that I agreed to my personal information being accessed or reviewed by a credit bureau in the normal course of managing my personal finances i.e. lending applications, employment, etc. However, I was wholly unaware of the extent to which XXXX  and other credit bureaus maintained record of my personally identifiable information e.g. volume and type of data maintained, length of retention etc.
I applied for a 2nd mortgage of {$25000.00} on a home I own to do some upgrading in anticipation of XXXX grandsons living there while attending the University of XXXX starting in the XXXX of 2019. The property is used a rental in the meantime, I learned at the closing for the first time, the lender, Applewood Funding Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, was requiring, without explanation, a " concurrent payment '' of both the 1st and 2nd. I was subsequently advised in writing by XXXX XXXX, President of Applewood that '' RESPA does not have any forms for disclosure of concurrent payments '' despite it being a material term to the loan origination. 
I complied with concurrent payment requirement by enabling ACH electronic payments on the 1 of each month. I began to notice that the underlying loan payment was arriving perilously close to late date of the XXXX. and as a result am making the 1st payment electronically with proof of payments to Applewood. Applewood has refused to provide a copy of the credit report obtained for the original loan approval. 

The Loan was assigned to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ,, XXXX and according to email from the servicing agent XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX AZ XXXX, " Unfortunately, the Lender does not wish to grant us permission to release the actual email sent to us " ( regarding my resolution request below )
Dear Sir/Madam This is the complaint number seven against XXXX please be noticed many many time i sent to XXXX there two Unauthorized Hard Inquiry XX/XX/2018- XX/XX/2018 XXXX XXXX ( XXXX ) and all responding from EQUIFAX Mentioned that ( inquiries are a factual recorded of file access. if you believe this was unauthorized, Please contact the creditor. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX SD XXXX so i had contacted many time and received a letter to remove this unauthorized hard inquiries so what i have to do then EQUIFAX ask me if you believe this was unauthorized, Please contact the creditor and i did many times and received a letter from them to remove this hard inquiries and EQUIFAX don't want to remove this Unauthorized Hard Inquiries