WillisBack/dataset-financial-user-claim huggingface dataset:
I  XXXX   XXXX   XXXX  request the Consumer Financial Protection Bureau to intercede where  XXXX   XXXX   XXXX  is still carrying my PAID IN FULL account as a CHARGE OFF. I find this practice to be offensive to American consumers. We American citizens were never given a bailout like our national banks. When I paid off even the back interest,  XXXX   XXXX   XXXX  had to take the credit item from sub-standard to standard, and that in effect removes the Charge off status. This is a violation of  Rule 5000  FDIC and it does apply to the fair Credit Reporting Act. If national bank can have it both ways pertaining their abusive practices of FDIC regulations against FCRA guidelines, whats the point of individuals working their way back financially from a financial crisis they caused. This account should be upgraded to simply PAID IN FULL!!!
ACCOUNT MANAGEMENT RESOURCES ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT MANAGEMENT RESOURCES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT MANAGEMENT RESOURCESor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Stearns Lending assumed my home mortgage from XXXX in XXXX 2013. We added Stearns to our condo insurance policy as an additional insured at that time. Subsequently Stearns notified us that we did not have coverage and would provide hazard insurance for our property. We replied to their correspondence with proof of insurance coverage and Stearns replied that their hazard insurance had been canceled but that due to a lapse in our coverage we were charged {$34.00} and an impound account was initiated. We have never had a lapse in coverage on our property. There has been a continuous policy in place first with XXXX and then with XXXX XXXX. There has been no lapse. 
We have continued paying our mortgage on time with full principle and interest payments. We do not believe we should be charged for the {$34.00} premium or the escrow account. Stearns has now charged us late fees and submits us to a barrage of harassing " collections '' calls. I have invested much time and aggravation in attempting to clear up this matter dealing with a very difficult customer service organization at Stearns. I would like this matter resolved and my account statements corrected. Recently Stearns mailed me a check for {$150.00} with no explanation. Since I am clear that I have made the appropriate payments I will not cash this check, but do expect Stearns to correct my account statements to remove all charges for insurance and escrow withholds, which I neither need nor want.
My name is XXXX XXXX my address is XXXX XXXX XXXX XXXX Maryland XXXX my phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX owner owns all Car stores XXXX Maryland and Delaware! Cheats people a lot of people complain about the car store! XXXX XXXX salesman and XXXX the manager of that car store cheat people never got to see white sticker! On truck! Signed for truck electronically! A lot of papers for Creditacceptance at car store! sold me a lemon credit acceptance charge me to much money after what I went through for that truck had to go to therepy for my back why I brought it someone hit me and total wrecked my truck that I had brought through Creditacceptance. A XXXX XXXX XXXX paid that off XX/XX/XXXX in good standing they know Creditacceptance! the car store did n't! Brought truck XX/XX/XXXX motor was low on oil next day car store garage put oil in next day power steering started making noise needed power steering hose! They fixed! XX/XX/XXXX truck motor stated making noise carried back to car store garage left there said needed new motor! Said would put one in did n't said was something else later fixed it got truck back XX/XX/XXXX Complained to credit acceptance complaint department they did n't do nothing!! XXXX was investigator in complaint department of Creditacceptance. Her fax number is XXXX paying XXXX XXXX for a lemon a XXXX XXXX XXXX XXXX XXXX
I filed a dispute for XXXX on my credit card for a purchase XXXX XXXX tickets. I was scammed by XXXX XXXX and wanted my charge removed. The dispute number was XXXX. XXXX XXXX was the Chase employee that rejected by dispute. I feel that Chase should reconsider. I was unable to attend the show and was charged additional tickets in error. It seems that chase should protect their insureds from scams like XXXX XXXX. I have attached the response from me to XXXX. In addition I would think I should have received a call back from XXXX. I left her several messages.
I set-up a payment arrangement with Financial Business & Consumer Solutions , Inc. on XX/XX/XXXX to have payments debited on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This company breached the agreement by debiting my account on XX/XX/XXXX. A  rep told me today ( XX/XX/XXXX ) that debits from bank accounts can take between 24-48 hours. The rep also said that if the transaction day falls on a bank holiday, the transaction will occur on the next banking day.XX/XX/XXXX was not a bank holiday. None of this was explained to me inXX/XX/XXXX and is quite irrelevant since the debit did n't take place on the day that I agreed on. Yet, Financial Business & Consumer Solutions , Inc. did not debit on the agreed upon date. When I called to find out about satisfying the debt, I was given inconsistent statements by a rep and a manager. The 1st rep did in fact say that I could make one payment ( {$270.00} ) over the phone today. That rep did say that I could also give them my debit card to use for automated payments, which would eliminate any delay in processing. He put me on hold and then changed his initial statement. He said I had to make 2 payments today. I asked why he changed the initial statement? He then stated, in a very snide way, that the money for two payments should be there since there was an NSF. I then asked for his manager. The manager began the conversation with an attitude.
I asked the manager why I was n't given the information about using my debit card back in XXXX, he was not able to give a definitive response. When I asked him why I was n't told about the 24-48 hr. processing from a bank account, the manager stated that they are not allowed to say anything about the processing time because all banks are different.
When I reminded the manager that we were on a recorded line & every inconsistency can be replayed, he regained his professionalism and agreed to re-instate the agreement, with different dates. Based on contractual law, there was an " actual breach '' of contract by FBCS.
I deposited a check and Wells Fargo completely cleared my check and failed to tell me that the person who gave me the check was no good ... until 4 months later ... XXXX And expected me to pay the full balance back ....
Despite multiple requests, the unverified item with XXXX, inaccurate payment status, and inaccurate creditor contact information still remains on my credit report in violation of Federal Law. I have contacted XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX has told me I never had account with them. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I 'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. TransUnion is also reporting incorrect contact information, and payment status on report for the XXXX creditor.
I sent Enhanced Recovery a Validation of Debt letter, that was delivered on XX/XX/2016. According the FDRC laws a creditor has 30 days to complete their investigation and respond. Enhanced Recovery has violated the FDRC by not responding to the letter completely. The letter asked for proof the debt belonged to me and a copy of their license showing they are allowed to collect a debt in my state of residence. Non of which was produced.
Whenever I try to access my equifax credit reports. In trying to verify who I am, they asked questions like what company is my mortgage with or myself mortgage amount. Or they will ask about my car loan company. I do n't have a mortgage or a car loan in my name so I think someone has secured loans in my name without my knowledge. I have no idea how to confirm or rectify this information. I called Equifax and they send me to every department they have without me being able to even notify the correct authority about my issue.
XXXX is always able to provide the report for XXXX or XXXX when I request it. For Equifax it seems I am unable to even access the report. Each time I request it I can NOT get my report. Security questions clearly include information that is not mine. I am unable to dispute it because I am unable to get a report to see what is on it. How do I get a report when the security checks do not allow for the right person to provide their correct information? What would it take to get a copy of the credit report from Equifax?
I have been in contact with the credit bureaus in regards to recent hard inquiries on my credit. I work for the XXXX had a malicious cyber intrusion which resulted in thousands of employees information being breeched back in XXXX of 2015. I was an employee that was effected and XXXX sent me email that is attached dated XXXX XXXX, 2015. I have been getting hit with multiple inquiries on my credit and I have communicated in writing, as well as on the phone to all three credit bureaus. They will not remove what has been requested and once again I can not get anywhere,
Hello, There were XXXX credit card accounts that I recently opened in the last few months which are reporting to the other XXXX credit bureaus but not to Equifax. I 've reached out to XXXX creditors to confirm that my new account information was sent and also received notification that they were reporting monthly to Equifax but again the accounts are not showing as of today. I also reached out to Equifax on numerous occasions requesting an update or to see if their system was reflecting the new accounts and only to be told there is nothing showing yet. I talked to someone in their Executive Customer Escalations Unit to request a full review of my file to see what is preventing the accounts from showing. However, Equifax is responding that the creditors should contact their Business Relations Customer Service unit which is not possible since they are sending statement information and monthly account updates. This is hindering my credit worthiness and preventing credit decisions since majority of merchants use Equifax in my area. 

The accounts that are reported to Equifax but they will not update on my profile are : XXXX XXXX XXXX
I was contacted by mail in  XXXX     2017  about a debt from  AFNI, INC. I called AFNI, INC. and they confirmed it is associated with a different person with a different SSN.      I asked that they remove my information from their records and that they not report this to the credit agency. I asked because this is the third debt collection agency that has tried to collect this debt, confirmed it was not mine, and then still reported it to a credit agency.     After explaining this, they assured me the debt would not be reported since it is not mine. On   XX/XX/XXXX  , the debt was reported to  XXXX  as an unpaid debt. I am now going through the process of disputing this debt ( for the third time ).     Attached is the original letter received fr om AFNI, INC.
About two weeks ago got a call from a lady looking for my brother-in-law who lives in ohio. I took her number and stated I would relay it when I talked to him. A week later she called again, I told her I had not discussed it with him yet but would. I then started getting auto ( robot ) calls to take care of this debt. The debt is not mine, I am on a no call list and am not responsible for my brother-in-laws debts. The calls are coming from XXXX, Illinois the number on caller ID is ( XXXX ) XXXX, when I discussed it with the people who would only provide the company name of Northern Alliance, they told me they did n't like the tone of my voice and may just keep it on the IT list to call. I do talk loud XXXX but is that a reason to use such tactics against people who they know do not owe the debt? So not only are they breaking the XXXX no-call laws ( because they know the debt is n't mine ) they are harassing me in attempts that I will strong-arm my brother-in-law. What they are doing is not only wrong, I feel it is illegal and morally wrong. I want the calls to stop, I have excellent credit ( at or over XXXX ) but that does n't make me responsible for debts made by my relatives much less those by marriage.
I took out credit card as a stupid college student. The card had a high amount and I used it on books I never received notice or contact from credit card company for long time and belive statute of limitations is past. No agreement letter or arrangement was ever received. This debt went unnoticed
XXXX is reporting on my Equifax credit report 3 times, account numbers XXXX in which it is the same XXXX account reporting 3 times. This is a fraudulent account and does not belong to me, it belongs to XXXX XXXX. I have attached a letter from XXXX acknowledging the debt is her and that I had no knowledge of. I am asking for you to please remove these XXXX accounts as they are not mine. I have attached a copy of an incident report from the XXXX XXXX XXXX. I am submitting my mortgage document with my signature and the year of my XXXX XXXX XXXX residence. Then I am attaching a copy of the letter from XXXX acknowledging the debt. Lastly, I am sending a copy of my property tax document, which shows I did not reside at the residence on the application, during the period of the application, I resided at my current property XXXX XXXX XXXX XXXX . I have been residing between the XXXX properties over 15 years, Yes, I am also attaching the application page that was submitted to CFPB from XXXX in which it is clear that is not my signature on XXXX 's application.
We have a couple additional questions for Ocwen Loan Servicing to answer truthfully and under penalty of perjury. The questions are pertaining to the Assignment of Deed of Trust dated XX/XX/2004 that Ocwen Loan Servicing created for XXXX. NOTE, multiple federal agencies stated that since this document pertains to our Note/Deed of Trust, we are allowed to request this information and this information is not considered proprietary nor confidential! 
1st, Did Ocwen hire XXXX XXXX XXXX to record this Assignment of Deed of Trust? 
2nd, What date did Ocwen send this Assignment of Deed of Trust to XXXX 
3rd, How did Ocwen send this Assignment of Deed of Trust to XXXX 
4th, How did XXXX record this Assignment of Deed of Trust, electronically, mail or in person? 
5th, Did XXXX. return the Assignment of Deed of trust back to Ocwen Loan Servicing? 
6th, If so, how did XXXX return this Assignment of Deed of Trust to Ocwen, XXXX, XXXX etc.? 
Please provide documentation on how this Assignment of Deed of Trust was sent to XXXX and returned back to Ocwen Loan Servicing.
To date, I 've not received any invoices or payment requests from this collection agency, only copies of a hospital statement and a copy of my drivers license and signature. I have credit reports from as far back as  XXXX , each clearly showing that they never reported this " collection '' in  XXXX , as they claim they did. I suspect that is because they NEVER made any " collection '' effort, NEVER contacting me at all. I 've found that I am not alone in my grievance, my case being mishandled along with hundreds of thousands of others. This is evidenced as per your  XXXX  lawsuit,  File No.   XXXX , to which I would like to be added as a plaintiff. Aggravating my situation and possibly in response to your lawsuit order to put procedures in place, their lack of diligence with regards to their client ( and me ) was discovered. I 'm certain they decided they 'd best do something to justify their billing to my hospital, even if it was wrong. Hence their  XXXX  erroneous reporting of a nonexistent " collection '' effort more than 5 years after the date of service. I want this removed from my credit and / or to talk with someone from CFPB regarding a lawsuit of my own.
Since XX/XX/XXXX I have been paying my vehicle loan and it is too high of interest rate, it 's above % 20 I paid {$5000.00} down the balance is still increasing and higher than the actual value of the vehicle. 
The company makes it difficult to make payments ; in locked out of my web account and they do not have assitemce to get me logged in and every time I make a payment they charge me {$8.00}. 
They raised my payment by approximately {$100.00} in XX/XX/XXXXand said it was for insurance which I took car off. I have not received my tags for XX/XX/XXXX and the police told me my vehicle came up as not registered. 
I am not defaulted in payments however when I have trouble paying on time they call my friends and family and tell them I did n't pay on time and they are trying to get ahold of me. It 's embarrassing and they make it difficult to pay on time. They have already report led to my credit that I was late on a payment.
Accounts that should have been removed due to age. Accounts have been allowed to stay even though they are old. Company refuses to investigate this issue. They no longer seem to address the age of the account, but the last reporting date instead.
I 've been requesting to change Income Based Repayment ( IBR ) to Pay As You Earn ( PAYE ) for federal student loan debt for months on end. I have been dealing with multiple representatives who have run me in circles faxing application forms and have been repeatedly told they were not received or they had other complications with them. Their solution at multiple steps was to go into a temporary forbearance and add to my interest while they took the time to get the applications completed. At this time I 've been on the phone with them and was told that they still have not been able to change my plan, that to do so I would need to make some sort of payment and go on a forbearance for a 3rd time until they can change me to a plan I can afford, which is estimated to be XXXX/XXXX/17. I 'm not sure at the moment how much interest has accrued over this long fight but my loans are over {$400000.00} total so I 'm sure it 's not a small sum and there seems to be no accountability on the other end of these dealings.
I received a Care Credit card to pay for my dental work, having not been told that a very high interest rate for the total amount would be added to my account after one year. The interest was $ XXXX+!!!!! I called to file an extension and was given more time, since I had no idea that this was the case. Nine days after the extension date, I called to pay the amount in full of {$1800.00}, they said that I would have to pay the interest too. I worked massive overtime to come up with such a large chunk of money, only to discover they would not honor this. They were also incredibly rude. They said a supervisor would call me back within 48 hours, and of course, no one called me back ever. This company should be shut down for scamming people!
I am trying to get XXXX to withdraw a tax lien from credit report. The amount was paid in XX/XX/XXXX and put on my credit report in XX/XX/XXXX. The XXXX years should be up soon but they are telling me that I have to wait until XX/XX/XXXX. I should only have to wait XXXX years from when I actually paid it. That is not right. I understand that they do not report to the credit bureaus however they can put in my in my public record that it has been withdrawn. At that time I can dispute it and get it removed.
had requested experian to investigate a credit inquiry for XXXX dated XXXX. I was told in the response that I had to dispute directly to XXXX I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.