WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX/XXXX/XXXX XXXX XXXX Transunion XXXX : XXXX Dear Credit Bureau, A lawsuit I will file due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged, nor therefore any such inquiry was made by myself, in fact exists. I have copies of the certified letters and dates prepared to bring to court I have attempted to address my concerns of defamation with Transunion. Also, 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. 
Under the Fair Credit Reporting Act, if they can not verify the these inquiries within 30 days, then it must be removed. Your letters to me claim that all inquiries are factual, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers and dates in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. 
Now I am hoping to not have to sue Transunion for being such a pain in the XXXX to me. I have provided more than sufficient evidence to get these false inquiries removed. You may contact me before suit is filed on XXXX XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it is factual then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Transunion for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I look forward to your response. 
Sincerely, XXXX XXXX XXXX # XXXX
For the past XXXX years since PennyMac became our servicer they have tried to impose a " cushion '' when they send their escrow analysis. After computing the amount I needed to have escrowed each month, the cushion is n't necessary. They claim that this practice is in accordance with state and federal law ; which I find dubious. When I called to dispute their analysis, and after being on hold for an extended period of time, they removed the cushion. I was told that the cushion is added automatically and that I would have to call them every year to have it removed.
On XXXX/XXXX/16 I applied for auto loan with Wells Fargo for {$8000.00}. We decided to apply for the loan since we have a current auto loan with them and have a perfect payment record with them for over 2 year. Plus we know that our credit score was about XXXX points higher then last time. 
I was disappointed to find that we declined very quickly. Well our credit is n't the best so we were n't too surprised. So we then went directly to a dealership to see if they could get us financed on XXXX/XXXX/16. 
The interesting part is the dealership was able to get us approved for about {$7600.00} car and by none other then Wells Fargo. The same bank that declined us just a few days prior. 
The reason I am issuing this complaint is just recently we ( my wife and I ) received a our declined letter from Wells Fargo. They list my credit score as XXXX and my wives as XXXX. I was shocked by the low score because I check my score regularly and through Transunion before was applied I was in the XXXX 's. I do n't know how they could say we 're more than XXXX points lower. 
I feel this effected us in XXXX ways : 1 ) It caused that we had less options of vehicles to choose from, 2 ) we did n't have a choice on the term, 3 ) and lastly, now we will have XXXX credit inquires for XXXX auto loan. My main concern is how they can have such a low credit score for us when we view XXXX the information is so much different. And then they can approve later. It just does n't make since and we feel that someone should be made aware of this and hopefully their will be an investigation so they do not do this to others.
i filed disputes with experian indicating i only have one address and gave them the correct address however they still list several variations that need to be deleted.
I am currently a XXXX student at the University XXXX and have been unable to get my private student loan from Wells Fargo to be put into deferment ( their policies do stipulate that in-school deferment is allowed ). I 've submitted the necessary deferment forms multiple times and have contacted them on multiple occasions, but they will not put my student loan into deferment. I 've been charged late fees, I receive harassing phone calls from Wells Fargo every morning at XXXX, and my cosigner has received threatening letters about repayment obligations and the negative influence of missed payments on credit scores. I do n't know what to do to ameliorate this situation and I would appreciate assistance.
Their over draft fees when I deposit my checks money is In my account pnc charges XXXX $ over draft fees and XXXX $ a day thes over draft fees r killing people specialy the XXXX or the XXXX. This is a shame something needs to be done this can go on we r on a fixed in come thes fee need to be aballished. We have bills to pay food to by and R meds please we need help
I have sent multiple disputes to XXXX, requesting they validate and verify accounts within my credit file. I sent a dispute on XX/XX/2018 requesting validation and verification persuant to the Fair Credit Report Act Federal Law 15 U.S.C. 1681. This law states that my credit file must contain 100 percent accurate information. There is no way to tell if the information within my file is accurate if I am not given evidence or verification of the accounts when requested. Sending a copy of an itemized bill IS NOT verification of a personal debt. Verification must be a contractual agreement between myself and the creditor furnishing the information to my credit file. XXXX repeatedly ignores federal law and has never provided me with such evidence of the validation or verification of the debts I have requested.
I was called by Diversified Consultants Inc. on XXXX/XXXX/2015 and the caller received my personal address and ss # without knowing whom he was speaking to. The caller was XXXX XXXX and his manager said he was allowed to do that. Her name is XXXX XXXX. They refused to give me the companies phone number to call them back.
I have a non-validated accout # XXXX that has been sold to your office. This is the third time I have had to have this old charged off account removed from my credit report. I have never done any business with IC SYSTEMS.Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt IC SYSTEM purport I owe.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 
XXXX COLLECTOR XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for IC SYSTEM in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
This file is following a complaint that I filed on XX/XX/2018 with your company, ( this complaint has been closed at this time ) Complaint Number : XXXX. Chase Mortgage Company, illegally foreclosed my property while under consideration for a loan modification proceeding, approximately 7 or 8 years ago. Chase Mortgage Company purchased this property back after being told that they illegally foreclosed this property. We have been back and forth since that time regarding another loan modification, short sale, or a deed in lieu. Chase Mortgage is advertising this property for sale for auction on XX/XX/2018, on XXXX. Chase Mortgage informed your company l that they had discontinued any foreclosure proceedings as of XX/XX/2018. I am requesting payment for all of the undue hardships, and the many years of hardship with Chase Mortgage, for the unlawful foreclosure of this property, and the loss of my income.
We are being contacted by the company XXXX XXXX. They do not disclose that they are trying to collect a debt when they speak to us but are threatening to serve us with a summons. This debt was paid last XXXX and we have the paperwork saying it was settled. They do not have a website or XXXX street address and I can not find the XXXX. XXXX address they provide online either. They know our social security numbers. They do not disclose whether or not the call is being recorded. A " courier '' called from a blocked number and asked for our address to serve papers too.
Recently Wakefield Associates placed a collection on my credit reports that is a result of stolen identity. I have contacted law enforcement about the issue and have also contacted the credit bureaus and creditors about the problem.I disputed the Wakefield account and furnished amy official police report but they still continue to verify the debt as mine when in fact it is n't because i was a victim of fraud. Even if the account was mine according to the FCRA and the FDCPA a collection agency can not verify anything but only validate. i 'm not questioning the validity of the debt but I 'm standing firm on the fact that I can not be held liable for something I did not do
I have received numerous calls from this company and have submitted XXXX separate complaints prior to this XXXX. On XXXX XXXX, 2016 they called my brother, sister, wife, sister in law and nephew. They keep leaving recorded messages for me on my nephews voice mail. In the call to my sister on XXXX XXXX, 2016 they said they were calling from www.investigation and said that I listed her as a contact person and that she does n't know but it may be a timing issue and that she needs her to verify some information and told my sister my address. My sister asked her to email her a copy where I put her down as a contact person. The woman said she 'll just put down that I falsified information. 

Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law. 

Fourthly, they placed a call using automated telephone equipment or an artificial or prerecorded voice to my cell phone as well as the cell phones of my mother in law, sister in law, brother, sister, nephew and wife. 

Fifthly, they disclosed my address to my sister. 

This company is menacing, threatening, stalking and harassing me and my family.
Earlier this year I submitted a dispute on the grounds of ID theft to all three credit bureaus. XXXX and XXXX  did their due diligence of thoroughly investigating and removing unauthorized accounts included in the claim, however Equifax still reports two accounts that are not only unauthorized but have no phone number, address, name of collection agency or original creditor on the accounts, yet claim that they " verified '' that these accounts were mine. How? If they send me a report with no contact information for the alleged debt and collector, how did they verify it. Their reporting of these accounts are in direct violation of the Fair Credit Reporting Act that all accounts must be accurate and verifiable. How are these accurate without the name of the debtor, an address or a phone number. I even asked to show me their proof of their method of verification of the debts which they have not. Therefore, by law these accounts must be removed and I expect them to do so immediately. No more 30 days of an investigation. They 're time is up. Remove them or I will sue. And another lawsuit is the last thing Equifax of all CRAs needs right now.
Was contacted on XX/XX/XXXX about a debt from XX/XX/XXXX. Was threaten to be sued over debt that I thought was resolved. Was very aggressive over the phone and attempted to immediately take payment. I agreed to review a payment plan to get off the phone. Called again XX/XX/XXXX and XX/XX/XXXX attempting to collect. I did not answer these times and saved the voicemails.
Hello, I am filing a complaint with the Consumer Financial Protection Bureau against Capital One because the bank has not cooperated with me. They have caused undue hardship for me. 

Between XXXX XXXX, XXXX and XXXX XXXX, I was overseas in a XXXX. At the time, I had closed my XXXX account and had no XXXX account to make an electronic payment to Capital One. In XXXX, I chatted with Capital One and attempted to make a payment. The representative gave me an ID payment number, however, when I went to a bank location in XXXX to try to make a payment, they said they do not work with Capital One and I was therefore unable to make a payment. I have also tried to call Capital One multiple times to resolve this issue, but international phone calls were extremely spotty at best. 

On XXXX XXXX, XXXX, I made a phone call to Capital One, having arrived back to the US, in an effort to make an electronic payment to my credit cards. The representative at first said I would make a payment of {$48.00} and that would have been satisfactory until the XXXX, which is when I get my paycheck to pay off the rest. Then, the representative said I was 120 days late and Capital One would lock my account. The representative was a bit " wishy-washy '' and was not specific. It caused me a great deal of confusion. There was no extension to work with my account issues and I was afraid even if I made a payment, the account would have been locked regardless.
I regards to my previous complaint XXXX, below : I ca n't even try to submit a payment to pay them ; PERIOD. I 've scheduled payments that they never drafted as promised and please see below for a payment I tried to submit online. Lastly, I submitted more than one months payment via mail to cover a month 's mortgage plus ALL/ANY late/fees and BOA lost the payment and applied to wrong account apparently, only after months of faxing check deposits of the cleared payment and copies of my payment clearing and more documentation from my bank did it FINALLY GET POSTED!! Never did BOA clear my back fees or take into consideration with this recent foreclose proceeding!!!!! WHAT IS GOING ON???!!! PLEASE PLEASE HELP ME, PLEASE, I 'M ABOUT TO LOSE MY HOME! 
-- -- -- -- -- -- -- -- -- - Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS HUD LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL ONE CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES IR CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't one full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MIRTHAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO LAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??
While applying for a mortgage with Wells Fargo we had a home appraisal done the appraisal went through but we did not fund the loan with Wells Fargo we chose to go with a different lender one that lender contacted Wells Fargo to obtain a copy of the home appraisal they refused to give out the appraisal invoice and the XXXX report they said was never generated and at the XXXX documents were internal documents and they would not provide him without the XXXX documents the appraisal invoice and the XXXX report we are unable to use the home appraisal that we paid for Wells Fargo advise us that they would not provide that information that they did not have to share the information even though I paid for the appraisal that they were unable to give it out that it was an internal document and if I had a grievance with it I could take them to court to recover the costs they did provide a copy of the appraisal after repeated inquiries by myself and the new mortgage company and multiple attempts to send out partial information to drag their feet in attempt to lapse the time so that the appraisal would not be able to be used by the new company causing me to pay for another appraisal when asked for a copy of the invoice I was advised that they would not provide it my credit card company only shows a charge to Wells Fargo in the amount of the appraisal no other information was provided when I called and asked Wells Fargo for a copy detailing exactly what was paid for the amounts and dates for tax purposes they refused to give this information stating that it was an internal document and they would not provide it I advised him that I felt that I paid for this information it involves me directly and that I should be entitled to receive this information I was also advised by my mortgage company that they do provide the information willfully to other lenders when asking Wells Fargo about this information they stated that they choose not to participate in this and that all of their information is held private they would not provide it and they do not have to provide any of that information
I have submitted multiply request asking them to remove XXXX XXXX they have 6 accounts that do n't. Belong to me Please help remove this incorrect information
Complaint against Nationstar Mortgage LLC, in its continued " misconduct '' ... against its illegal attempt to take our home..for its undue enrichment. 

Please find attached. 

Thank you!
This company, which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of {$460.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account through U.S. mail on XX/XX/2018. However the business failed to provide adequate proof. Considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
My ex husband opened up an account with my name as a joint account holder without my knowledge and during the divorce he was ordered to pay the balance but he failed to do that and it is now a charge off on my credit report. I have tried with the company and the bureaus to get the accounts removed with no success.
Dear CFPB- I believe American Express is involved in an alleged World-Wide Consumer Fraud ... 

I have been a card member of American Express Optima Platinum since XXXX and have a perfect credit score. On XX/XX/XXXX I was late by ONE DAY and charged {$27.00}. While I am not disputing the late fee, I am disputing the interest rate on future charges ( purchase ). All charges ( purchases ) after XX/XX/XXXX were billed at 29.99 %. Under the American Express Terms & Conditions, no reference is made for this increase on future charges ( purchases ), as indicated below : " Late Fees on Credit Cards and Charge Cards : If you do not pay your minimum payment by the due date, you will be charged a late payment fee of {$27.00}. If you make another late payment in the following six billing periods, your late payment fee will be {$38.00}. Your late fee will not exceed your minimum payment due. For example, if the minimum payment due on your statement is {$20.00}, your late payment fee will not be more than {$20.00}. You may also have to pay interest on any funds which remain unpaid from the previous billing period and your interest rate may increase. '' Furthermore, American Express claims that all payments are first credited to the higher interest charges. This is a false statement and represents Fraud! 

From " XX/XX/XXXX to Present '' I had {$5700.00} charges ( purchases ) and made {$9800.00} in payments. Yet, American Express continued to charge me the 29.99 % on these charges ( purchase ) even though my payments exceeded the charges ( purchases ) ...

This is an unfair, deceptive and misleading business practice that need to be investigated! 

Regards, XXXX XXXX
I want to commend XXXX XXXX the Director of this agency on it 's successful lawsuit against Midland Funding LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX..I am having the exact problem " again '' with this cockroach collection agency. Out of nowhere there appeared a completely bogus fraudulent item on all XXXX of my credit reports. I mean completely fraudulent!!! Exactly what you sued them for is exactly what they are doing to me. The item actually says " all historical data deleted ''!!! XXXX, and XXXX immediately removed the item, but XXXX has not. I want you to know since XXXX is based in XXXX I filed a complaint with the Attorney General of XXXX.I received an email form them last week saying they have received my complaint. Director XXXX, I implore you to again take action on this XXXX company. May I respectfully ask you? How come no one has gone to jail here? This is Criminal Enterprise!!!!!!!!!!!!!!!!!!