WillisBack/dataset-financial-user-claim huggingface dataset:
This is not mine. I did not receive care nor have they sent me anything, even though it has been asked many times, to show this is my debt. Other than the itemized statement, which is something I could easily make up..     I would like to see signed documents or original paper work with my signature, ID something to show proof.
My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - XXXX has given me about XXXX late payments. 


I see whats going on and made a complaint to XXXX on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with XXXX till now. Is hows a Tech error my mistake? 


They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE. 

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by XXXX and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life. 

Please help me get all those false missed payments off my credit. 

Already beginning to consult lawyers about possible legal action against XXXX in regards to the issue.
a few years ago i saw a collection on my credit report from a company from XXXX XXXX assc, i disputed the claim several times as i truly did not know where this came from. last year ( XX/XX/2017 ) i sent a written letter asking under the FDCPA rules to send me proof from the original creditor that this debt was mine i never heard back from them. i disputed this several more times. Today i called them at XXXX spoke to an assc on a recorded line ( they record the calls ) where he stated they received the letter however an official response was never sent to me. I have attached the letter i sent to them and they will confirm this by the recorded call that it was received. As i understand the rules if a response is not given in a time frame this is to be removed from all of my credit reports. i made 3 written attempts with no response
I was never made aware or served any notice for court but was sued and now I have a judgement against me. I was originally sued for {$2100.00}. I am still getting harassing phone calls at work trying to garnish my wages and I receive letters telling me that my judgement is occurring interest. I have a letter that came 3 years after after my judgement with an amount greater then my judgement. I am unaware of this debt and was never made aware of any court but obviously I was n't there so the judge ruled in their favor. With this judgement on my credit report it is hurting me from getting a loan or opening any new line of credit to advance my lifestyle and business.
On XXXX XXXX, 2016, I received a demand letter in the amount of {$2200.00} from CIR Law Offices XXXX. I am disputing this debt, because it does not belong to neither my wife or I. My wife and I will not pay a debt that does not belong to XXXX. 

This debt is a result of Identity theft. My Wife 's and my personal information and Identity was used with out our knowledge or consent. 

Further CIR , Law Offices XXXX Attorneys are failing to Identify them selves as Licensed Attorneys. Their demand letters have no BAR NUMBER identifying themselves as California licensed Attorneys. XXXX XXXX XXXX is not a licensed Attorney, and is representing himself as a Licensed Attorney and attempting to collect a fraudulent debt. NO Bar number is listed on XXXX XXXX XXXX 's demand letters who is representing himself as a licensed attorney.
I filed Bankruptcy ( Chapter XXXX in XXXX 2010 ). It was reported to my credit report on XXXX 2010 and listed as fully discharged on XXXX X/2010 and Equifax X/2010. I know the rules of FCRA state that all negative information must be removed within 7 years, which I am at that expiration date. However on Equifax, it is four months past the 7 year period and the public record is still appearing. I have filed a dispute with no resolution. XXXX is also still showing and this is also past the 7 year mark. <P/>I want the information removed because it is a violation of FCRA. I know that most bureaus now install logic of 6 years 10 months to ensure that there is no violation of reporting negative information or public records past the required timing per FCRA. I am requesting your assistance to ensure my credit report and history is accurate and fair per my rights under the Fair Credit Reporting Act.
ACS Educational Services , Inc. otherwise known as XXXX is using my entire social security number as a loan identifier. I have sent letters, e-mails, and was assured that the trade line would be removed from all XXXX major credit bureaus. This has been going on for one year. Only XXXX credit report is showing that the trade line has been removed. In addition to this matter, my social security number has been disclosed at XXXX local branches on a computer generated print out. No investigation has been done to find out who is exactly doing this. In addition to this matter, a small claims civil suit has been filed because of this stupidity on the part of ACS who, by the way has over XXXX complaints and is increasing daily. WHO wrote these stupid policies in regards to utilizing a students ' entire social security number as a loan identifier? Guess what else ACS, the student 's are going to find out that you indeed did do this and ACS can expect to be in court XXXX. Then, I hope you are put out of business for good and I hope a class-action is initiated on different levels and multiple fronts. I have filed numerous complaints on different sites in order to show the level of stupidity to include contacting XXXX in regards to this situation. I am afforded that right to do so.-Period! This is financial terrorism and I do n't care what anyone says in regards to this matter. I do n't plan on treating those who may or may not show up to court with respect at all- period. In fact, representatives from ACS will be grilled with questions, truth, and evidence. I am going to shun you and then I am going to turn on the mute button and only answer the Judge. You can expect the questioning in the cross-examination to be very brutal.
Hello i called experian about an issue on my credit report telling them that my father and i have the same name and address and are mistaking me for him.My father and i have the exact same names. Then when they ran my social security number Experian told me XXXX different names popped up under my social security number and couldnt really narrow it down and told me to pound dirt. The account on my report is about XXXX and then they sent a letter taking them to court. The account was open about 15 years ago or more and im barely XXXX. So clearly it isnt possibly for me to even own a credit card. I havent heard anything back from them and its been longer than 30 days. Also wan na complain about how they failed to identify the correct person this debt belongs to cause now im unable to purchase a house for my wife and son.
On XXXX XXXX, I made purchases in XXXX with funds from my account. These transactions were reflected on my account immediately. The next day my car payment was taken out, I was overdrafted, and the transactions were reposted to my account the next day as new charges. Instead of XXXX overdraft fee, I received XXXX overdraft fees on purchases as little as {$5.00}. Wells Fargo reversed the order of charges to charge as many overdraft fees as possible. I spoke with a representative to no avail.
First off I would like to say thank you for taking the time to look over this. 
We started to fall behind on our mortgage is XX/XX/2017. During this time we faced a tragedy. My husbands father was kidnapped and XXXX XXXX going into XXXX. We had to fly to Texas which is where his mom and sisters live to help them through this difficult time. He was found one month later in the XXXX XXXX desert XXXX and XXXX. Being the oldest we had to help his mom and sisters get through this tough time, helping them get back on their feet and paying for the funeral expenses as well as other miscellaneous things. Coming back home was tough, we came back to bills piling up. Trying to provide for our daughters while continuing daily life and catching u with everything else, to say it was difficult is an understatement. We had been trying to come up with the funds once the NOD was submitted but we found ourselves in a much deeper hole than we anticipated. During the time we were first trying to reinstate I was diagnosed with reoccuing XXXX XXXX. Our lives went from what we thought was tough to what we are faced with now. I am still currently undergoing treatment but despite that our goal was to reinstate our home, in case anything happened to me my daughters would at least have a roof over their heads. We set up a XXXX page where we were able to raise {$43000.00} and I was able to get a {$6000.00} loan from a relative. A few days before the sale I requested a reinstatement quote so that we could see how far off we were. They stated that they could not provide one because it was tooo close to the sale date. I continued to try to contact XXXX XXXX XXXX XXXX XXXX but they refused to speak to me. The day before the sale I contacted XXXX XXXX XXXX  in hopes to postpone the sale as the funds from the XXXX page where not readily available in my bank account but would be within 14 Days. XXXX XXXX XXXX refused to postpone the sale. I once again asked for a reinstatement quote which they finally provided on XXXX XXXX at XXXX XXXX the day before the sale. The day of the sale we were persistant in trying to postpone the sale, but even after showing them that the funds would be available soon they went forward with the sale. Today it has come to my attention that the 3rd party buyer was a company called XXXX XXXX XXXX, well I looked them up and it just so happens that their DBA is XXXX XXXX XXXX.our lender. That to me seems lik, e a conflict of interest and something that needs to be looked into. They sold it for exactly what was owed and now they can evict us and make a profit on it. 

Once again I would like to thank you for taking the time
Without notice, explanation, or consent, FedLoan Servicing placed my loan into forbearance status. It then unlawfully added capitalized interest that was not owed to my principal balance without notice or explanation.
The credit reporting agencies allowed XXXX XXXX XXXX add information on my credit file without ensuring the creditor was in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I've lived in a different state for more than two ( 2 ) years. I received no communication from the creditor. Yet, the creditor was allowed access to my credit file which has my current address. The bureaus should have made ensured the creditor had sent letter a to my address on my report prior 30 days prior to allowing the item to be added. I should have received the following from the creditor : - notification of an attempt to collect a debt - giving me 30 days to dispute the validity of the debt - stating to me the amount of debt that I owe - provide me with the name of the original creditor - to my knowledge I had not received such a letter
The Bank of the West loan reports on my credit as " Charged-Off ''. However this loan should never have been " Charged-Off '' as I was covered by GAP Insurance. 

In addition to this erroneous reporting ; My report dated XXXX XXXX, XXXX reported this item as charged-off XX/XX/XXXX. Bank of the West has now changed the charged-off date to XX/XX/XXXX and then again for the 3rd time with a new charged-off of XX/XX/XXXX. This company clearly keeps reporting erroneous inaccurate information on my credit report. 

This new charge-off date has dramatically lowered my credit rating/score and has damaged me greatly. Potential creditors see this as a " NEW '' item that is in default ; which should NEVER have been reported as " Charged-Off '' in the first place. 

Re-aging an item is a violation of the FCRA. Furthermore this erroneous information has caused me to be turned down for home financing. 

The reporting also shows a balance of {$250.00}. I was never notified of a due balance because I had GAP insurance, there should not have been a due balance. 

I 've disputed this erroneous item with XXXX, XXXX and XXXX and Bank of the West has verified that the information is accurate. Which clearly is not.
I want to file a CFPB complaint against Ally Financial for abusive practices. My car loan with them is for a single borrower, myself. None of my family are on my car loan as co-borrowers. They were listed on the initial paperwork as emergency contacts only. 
Ally has called my brother and my parents and have done the following : 1 ) Identified themselves as a financial institute trying to get a hold of me for my car loan.

2 ) Have asked my family if I am dead.

3 ) After talking to my family, Ally proceeds to call them continually to harass them to get me to call them even after they have asked them to stop. My family has been told not to talk to them or take their calls.

4 ) They have contacted my parents using a phone number that they recently obtained, and was not listed on the emergency contact information.

5 ) They call my cell, leave text messages, and have called my work number all in the same day. They do this every day, except Saturday and Sunday
Ive reached out to this company National Credit Systems about this matter mid XXXX 2017. The amount shown is {$1800.00} and {$500.00} totaling {$2300.00}. Under the new law effective XXXX XXXX, 2017, any public record data must include name and addresses as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law, National Credit Systems listed does not include this information and should be deleted from my report.
Dear Credit Reporting Agencies : XXXX XXXX XXXX , XXXX has not removed their data from my credit reports yet ... They inserted a false debt that they could not validate and then quickly removed it COMPLETELY so that it was no longer recorded, along with an apology for placing it there. 
Then, ten months later, they reinserted the debt again. When I disputed through the Consumer Financial Protection Bureau, they said that it was 'accidentally ' placed back on and that they will quickly remove it, if I can give them the account number. 
I have provided this debt collector with everything needed in order to remove it completely from my credit reports ... it should n't even be listed under
I have spoke to TransUnion about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to Transunion as well. The inquiries that need to be removed are the XXXX XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX inquiry from XXXX  on : XX/XX/XXXX XXXX inquiry from XXXX on XX/XX/XXXX XXXX inquiry from XXXX/XXXX on XX/XX/XXXX XXXX inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.
My issue is with TransUnion. I have been working on my credit and working to repair and update inaccurate information. I went through identity theft in XX/XX/XXXX and divorce in XX/XX/XXXX-XX/XX/XXXX. All credit reporting agencies have kept up to date EXCEPT TransUnion. I have submitted disputes in XX/XX/XXXX, XX/XX/XXXX and recently XX/XX/XXXX. The info regarding account that are listed that are not mine, has bee disputed and TransUnion refuses to remove the information. I filled bankruptcy in XX/XX/XXXX, accounts are not listed properly as in bankruptcy, but still being reported as late pay and negative open/collection accounts. I have called repeatedly, with no results. I'm told that an investigation is being done, but that's a lie. I need assistance.
Early this year, I requested copies of my credit reports using the form on the CFPB 's website. I have not received copies of my reports. I believe I complained previously this year about this, but still have not gotten my reports. 

Recently, I was locked out of a credit card with XXXX  XXXX XXXX which had some false so-called " security '' questions it asked me. Because I did not provide the false answer that XXXX had purchased from one of the credit agencies, I could not get back into my account. 

This is a recurring problem with more than one bank. It has happened before with XXXX XXXX as well. The credit bureaus sell banks sewage that then is used to deny me advertised services with one or more credit card. 

Despite this, I have not received my free copies of my credit report, despite requesting them, in writing more than once already this year.
Freedom Mortgage is our current mortgage holder. We recently were interested in purchasing a new home and when we contacted Freedom about preapproval for a new loan we were denied on the basis that we had multiple late payments. Certain this was simply false, we have gone back into our online bank account and provided them proof that these said and recorded late payments were indeed not paid late or delinquent. And, in months where we have made 2 mortgage payments only one has been recorded on our payment history per Freedom Mortgage. The other payment is nonexistent in their account of our payment history. They refuse to accept our bank account documents, which they requested for proof, showing that this money has indeed been removed from our account as proof and continue to refer to their records stating we are indeed delinquent. This has not only tainted our credit scores but it has cost us thousands of dollars. Our home owners and auto insurance have doubled in the 2.5 years that they have started inaccurately recording us as delinquent to credit reporting agencies. We are looking for help to get our credit history correctly reported and recoup the thousands of dollars it has cost us. <P/>We are happy to provide you with our private bank statements if necessary to help you to appreciate our prompt and appropriate payment history. Freedom Mortgage has been provided these said documents at their request prior to our contacting you.
I have submitted to TransUnion on XX/XX/XXXX a fraud affidavit and police report that someone used my name to go to XXXX XXXX they received it and put a fraud alert in my report. In XXXX, I mailed it in again because now this item along with another medical bill that 's not mine is on my credit report. I also had an account that was deleted because it not mine added to my credit report. The creditor is XXXX XXXX. 


I also see unauthorized inquiries that are on my report that I did not authorize from XXXX XXXX  XX/XX/XXXX
I was unable to make an online payment to my car loan with XXXX XXXX because their system was not working properly despite multiple attempts. See the provided screenshot taken at the time of the incident. Consequently I was marked as a late payment for XX/XX/XXXX.

PLEASE NOTE : The EXPERIAN data are reported one month behind, therefore this inaccuracy is shown as XX/XX/XXXX instead, while the XXXX and XXXX show XX/XX/XXXX.
reporting an inaccurate account balance of {$11.00} and i do not owe that amount.
I recently paid off a car loan on a XXXX XXXX XXXX-XXXX ( VIN # XXXX ). The loan was held by XXXX XXXX and I paid it off early. I called to get the pay off on XX/XX/XXXX. Was told I should pay {$2600.00}, which I did and the check cleared the bank on XX/XX/XXXX ( Check # XXXX ). 

All the documents have been sent to me promptly. Yesterday I received a letter from XXXX XXXX thanking me for doing business with them. They advised me that I was owed {$9.00} for overpayment on the auto loan. Attached to that letter was a prepaid XXXX that can be used everywhere ( except at ATMs ). In order to use it as a debit card I would need to set up a PIN and in order to use it as a credit card I just needed to sign for the purchase. 

The paragraph below the " NOTE : The Debit " cash back '' option is not available with this card '' statement advised that " Registration, activation, acceptance, or use of this card constitutes acceptance of the terms and conditions stated in the Prepaid Card Agreement. '' Back of letter has the essential elements of the Prepaid Card Agreement. The schedule of fees notes a card maintenance fee of {$3.00} a month ( nice work on a {$9.00} payment ) This card represents an account that I neither requested nor desired. I could " ... go to the website on the back of the card ... '' to request a check in place of this card. The question is why would they make me take that additional step? 

The extra step I am taking is advising you that this practice is in use to get people to acquire a credit card that they did not request. It seems to me to be much like XXXX XXXX XXXX 'XXXX cross selling schemes to open accounts that their customers were unaware of getting and, like me, did not want or need. 

I am attaching a copy of the letter from XXXX XXXX.
I have sent written notification asking that this debt be validated not verified. I have not received a contract with my signature stating that I am responsible for this debt.
We were on a HAMP loan at 2 % and were current. Ocwen raised us to 3 %, I lost my job and the ability to drive XXXX and earn a living. We can not afford the 3 %. We need help. Please contact me with any questions.
I applied for my credit report, when I noticed items on my credit that I have never seen before, so I called the credit agencies and told them that items on my report were incorrect and they needed to be removed because I did not apply for them. 

They told me to file a police report and indicate what happened, which is why Im currently filing this complaint. Someone that Im not aware of used my identity to gain access to my credit and used it for what I did not authorized.
I sent a cashier check to Ocwen Loan Servicing in the amount of {$42000.00} to pay off my mortgage by certified mail, the money is just sitting in there TX office since XX/XX/XXXX, I called many times to see why this money was not applied to my account, I have never been late on any of my payments, I just want to pay off my mortgage, I do n't need this problem at XXXX it took many years to save this money Ocwen should be ashamed of the way they treat a good customer
On XXXX 2017 and XXXX i have an inquirys from XXXX XXXX XXXX that I need to be removed from my credit report
I have a loan with NAVIENT I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX XXXX / XXXX XXXX.