WillisBack/dataset-financial-user-claim huggingface dataset:
I have received XXXX voice mail messages over the past couple of days. They were automated and difficult to understand. I basically heard part of my name and they said it was an urgent matter regarding my social security number. I do n't have any accounts in collection so I assumed it was the wrong number. Today I received a message from " XXXX '' from MSK & Associates Mediation. He said my social security number, name, and XXXX were involved in a " concerning matter ''. They also said they attempted to contact me at my home address which is not true. They are threatening to get a warrant for my arrest and contact my place of employment and/or immediate relatives. This concerns me because I do n't know what " debt '' they are referring to and I am worried that they have my SSN and other information. The contact number is XXXX XXXX XXXX.
Discover and all 3 credit bureaus ( XXXX, XXXX and XXXX ) have been and are reporting inaccurate information on my credit report. Discover and all 3 credit bureaus have been and are reporting hard inquiries without verifiable proofs of my consents. Discover and all 3 credit bureaus have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to all 3 credit bureaus and Discover asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from all 3 credit bureaus and Discover of their inaccurate information and I didnt receive them from all of them. Since neither all 3 credit bureaus nor Discover have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX onXX/XX/XXXX : XXXX. Certified mail tracking number sent to XXXX on XX/XX/XXXX: XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to DISCOVER FINANCIAL SERVI on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXXCreditor Name : DISCOVER FINANCIAL SVCS Date : XX/XX/XXXX
On XX/XX/18, My wife and I went to the Best Buy Mobile store in XXXX, FL to change our cell phone service from XXXX XXXX XXXX to XXXX XXXX. At that time, we agreed with the terms to buy one XXXX XXXX and get the second one free. However, we couldn't finalize our contract due to a compudter problem. We were asked by the Best Buy employees to return the next day to complete our contract. When entering the Best Buy Mobile store on XX/XX/18, we were told that both of our new XXXX XXXX 's would be free due to the computer problem from the previous day. We were also told the the store would have to eat the cost ( {$690.00} plus tax ). Of course we agreed to the new terms. For 8 months from XX/XX/18, XXXX XXXX did not bill us for phones. In fact, they gave us a discount for bringing our new XXXX to the new XXXX XXXX Plan. Then on XX/XX/18, we added our daughter to our XXXX account. The phone she added was an XXXX XXXX, and was fully paid for. As a result, XXXX determined that we were not being charged for our XXXX XXXX 's, and backed billed us {$480.00} in XXXX. Before this, we were paying {$60.00} or less for our two lines. I was a bit upset that we were to pay for phones that we were told were free by Best Buy. I called XXXX XXXX several times about this, and finally talked to XXXX corporate ( Mr. XXXX, phone # XXXX ). He told me that XXXX needed reimbursed, and since Best Buy Mobile made the mistake, that they needed to give us a credit, or that they needed to pay XXXX. Then I contracted Best Buy at XXXX about what happened. Best Buy started a file ( XXXX # XXXX ), and referred me to there supervisor XXXX XXXX. For 2 1/2 weeks we emailed numerous times. Thru our emails, she told me that Best Buy Mobile mis-coded our phones as being unlocked. It is now my understanding, that after 8 months of not paying for our phones, that we are to pay 100 % for there mistake. I don't think this is not good business practice, and is why we're asking for help. We previous submitted this same complaint to the Federal Trade Commision, but they recomemded to send our complaint to you. We told Best Buy that honest mistakes do happen, and would be willing to pay something. It seems to me, if a codeing error was made, that it would have been a simple fix. Best Buy Mobile employee are experts when it come to mobile phone, why would they just say there was a computer error, and say our phone were free. If you need any additional information, I'm available. XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX, phone # XXXX
XXXX XXXX processed a hard inquiry on my Chexsystems report without my permission then proceeded to add a negative and fraudulent account to them. I disputed XXXX XXXX with Chexsystems.
The company did address the fact that I have a loan modification in place that they have not been horning, they promised to send me copies or proof of my payments being return with a detailed accounting of the payments not a payment history which shows I have made payments in for XX/XX/XXXXand XX/XX/XXXX yet I can not report any mortgage interest for tax year of XX/XX/XXXX as it states I have not made payments yet the history clearly shows I have. However, I do not have the return payments that are in question. I would like to know why we have so much of conflict with my payment history when I am not 670 days past due as the payment history shows it. My payments per month per the loan medication issued in XX/XX/XXXX by XXXX  is for {$1300.00} I have been making payments for XXXX. In summary I am very disappointed in the level of service and communication regarding my account with Ditech, I have called numerous times and have not gotten a call back, I have sent in the loan mod paperwork and have been approved for a loan mod that your company will not honor and did not have record of until I sent it but yet do not acknowledge it..

In Summary, This is a wrongful foreclosure process and proceedings, and I am disputing being 680 plus days in default.. It is not my fault the company DITECH did not know I have a loan mod that was approved by XXXX/Green tree. I am also disputing the said re instatement balance owed based on the fact that you have not proven where my payments are that have been sent for the last Year and half, and have not updated my mortgage balance with the correct amount owed as you did not have record of my current loan mod which is in question. Please stop this wrongful foreclosure and place my loan back into a payment status with the correct bal. please your co operation is appreciated.
THE PROPERTY OF XXXX XXXX XXXX XXXX, AZ WAS OWNED BY MY OWNED WHO PASSED AWAY XX/XX/XXXX. XXXX XXXX DID NOT ALLOW ME TO PURCHASE THE PROPERTY INSTEAD LED IT TO FORECLOSE. I PAID ALL THE TAXES AND INSURANCE FOR YEARS. TO DATE THE FORECLOSING COMPANY DID NOT SEND PROPER NOTICE OF THE CURRENT FORECLOSURE SET FOR XX/XX/XXXX AT XXXX. MY MOTHER HAD XXXX 2 YEARS PRIOR TO THE ORIGINATION OF THIS LOAN. ALL DISBURSEMENT OF FUNDS ARE UNKNOWN.
My husband and I submitted investigation requests to XXXX and Trans Union on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.
I received a bill from Paypal Credit in XX/XX/2016 for {$110.00}. As I have not used Paypal for anything in over a year I called the phone number on the bill and asked what this bill was for. I was told I was calling their debt collection department and that the bill was for a purchase made at XXXX. I explained that this must be a mistake on their part because I do not go to XXXX and have not used my Paypal account for a really long time. They were unable to provide a phone number or a signature associated with this charge but offered to check to see if it was fraudulent charge. I received a letter a few days after that, saying the did not detect any fraud in this case. Again this month I received a bill from Paypal this time for additional charges of {$35.00} late fee and {$2.00} interest charge. I have looked up my account through the Paypal website because I was considering reporting the incident elsewhere, to see if I could find any information about the transaction myself. The website stated no transactions have been made to my account in over a year! I was unable to print a copy of this with the name of the website visible or I would have sent this in. Since Paypal continues to bill me for a charge a did not make, I would like some intervention by the CFPB in this matter. I am also sending copies of the bills and the letter I received from paypal.
I have an unauthorized inquiry from XXXX XXXX XXXX/CARVANA To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

I have tried to contact every one of the companies listed and most of them do not even have any record of me.
I received notification from Bank of America ( via their XXXX app ) that I was pre-approved for a secured credit card. I submitted my application, online, and was notified immediately that it was under review. I received XXXX letters dated XXXX XXXX. 2016. The first advised that my application will be approved once the collateral ( {$99.00} ) has been verified by my bank ( also Bank of America ) and it states the card would be sent within XXXXXXXX business days. The second letter stated that I need to contact Bank of America to provide the requested collateral within 60 days. I called today XXXX XXXX ( on my vacation day from work ) and was advised that my application had been closed, and the rep XXXX '' advised she could re-open it with my collateral today. She then advised after attempting to re-open my my application I was denied based on my credit report. I advised that my letter said I was approved pending my collateral and explained that I had not received a letter that my application was closed no that I was denied due to my credit report. I told her I do n't understand how that could be considering I just received an approval letter and no denial letter.
On XX/XX/2018, All Three Credit bureaus : XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX, and Experian were notified and informed that there is negative false Negative Public record information reported on my credit report and states it was reported by United States Bankruptcy Court XXXX District of Georgia in credit files maintained under my Social Security number. 

Upon reviewing a copy of my credit report, I see an entry listing false information obtained from an unnamed 3rd party on my credit report on XX/XX/2018. 
I challenged the accuracy, compliance and reportability of this listing and requested all three bureaus to validate this information with United States Bankruptcy Court XXXX District of Georgia, and requested them to provide me with copies of any documentation associated with this account, bearing my signature and that the information furnisher is in fact the United States Bankruptcy Court XXXX District of Georgia. In the absence of any such documentation bearing my signature and any information documenting confirmation from the United States Bankruptcy Court XXXX District of Georgia as the reporting agency, I formally requested that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note they all had 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), including their Method of Verification. I did not consent to XXXX, XXXX, or any means of automated verification. 

I also received proof from the United States Bankruptcy Court XXXX District of Georgia clerk 's office in which they confirmed that they do NOT furnish information to any third party, including the credit bureaus ( attached ). 

XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and Experian all completed Investigations and refused to delete this false information from my credit report after confirming the entry listing was information obtained from an unnamed 3rd party and reported on my credit report.
I just recieved a letter saying I owe XXXX $ for XXXX XXXX  XXXX XXXX when i already paid my last bill which was 8.50 $ or something around there
USAA pulled my credit report this resulted in an inquiry, which in turn lowers my credit score. There is an alert placed on my credit report to verify my identity. USAA made no attempt to verify my identity. I was told to call Equifax and have them remove the alert and then reapply for credit. This is unacceptable and extortion. The only reason listed for denial is Unable to verify applicant 's identity. XXXX application should not result in multiple inquires into a credit file and one should not be extorted into removing a protective alert because a company can not be bothered to attempt verification of identity. I have never had this problem as most companies ask verification questions as part of the application process.
PORTFOLIO RECOVERY is reporting XXXX debt collection accounts on my credit report. I have disputed the account. PORTFOLIO RECOVERY has signed verification of certified mail dispute on XXXX/XXXX/2016. 

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/2016. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law
I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within 3-4 days stating the lender certified to them this is accurate. I have even sent in disputes by mail asking for the contract of something where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. Listed below, are the dates I disputed and also called to discuss these items : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- called Experian to reopen dispute and express my dissatisfaction of how a lender can just say this is accurate, when in my letter I asked for this contract or something in writing confirming this was me.

XX/XX/XXXX, Mailed dispute XX/XX/XXXX XX/XX/XXXX
I have contacted these auto dealers and places about these 34 inquiries on my credit report with equifax. I also contacted equifax and there response to me is they cant do nothing about it. I never signed or agreed to have these inquiries on my credit report. I am very unhappy about there customer service and what they are doing to my life with credit reporting.
I have reached out to this company numerous times to no avail. Ive made phone calls and sent various emails. They are reporting an account which is fraudulent and does not belong to me.
The company in question is CBA ( Credit Bureau Associates ) reports a medical account to all three reporting agencies without notifying me at all. my first and only correspondence from this company stated that they submitted this information to all three reporting agencies to reflect unpaid collection account on my credit file. my notification also stated that now its time for me to create a pattern of positive credit management and neglecting this issue will only encourage further actions without further notification. the nerve of them they clearly handle accounts without proper notification. All of the BBB complaints about this company say the same them which is they do n't notify you until after they reported the item to your credit. My balance should only state that I owe {$1300.00} not {$4000.00}.
My property was sold but I was no sent a letter. I spoke to someone and was advised the sale date was XX/XX/2017 however the property was sold on XX/XX/2017. I had submitted my file for modification review.
XXXX has been non-compliant with removing the unverified account XXXX/XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/XXXX XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
My previous complaint Wells Fargo stated they did everything correctly, I disagreed with their investigation, but also they say that the appraiser they hired from another County was incompetent in his appraisal of my home, they told me he is a third party contractor and they can't refund my {$460.00} I had to pay up front to get a fake locked in rate. I didn't hire the appraiser, Wells Fargo did. I don't feel I have an obligation to pay someone they hired and could have colluded with to ensure I pay a hight interest rate
I have on file as lived at XXXX XXXX  Nd XXXX XXXX  XXXX  I have never lived those places my ex wife has also Credit inquiries at XXXX XXXX and XXXX company checked my credit with out my consent Also XXXX XXXX  account belongs to my exwife I dont know if she put my name in these accounts we have been divorced since XXXX I have only lived at XXXXand XXXX XXXX XXXX only XXXX XXXX Texas
After receiving a summons for foreclosure in XX/XX/XXXX I completed the answers within 2 weeks of receiving the summons and had this turned in by the deadline date. I also sent in a request for a settlement conference to be scheduled within the provided deadline. Once that was completed my husband and I contacted the XXXX XXXX XXXX XXXX ( XXXX ) for additional assistance. While working with the XXXX they were able to help me complete my loss mitigation package which was provided to the lender and the lenders attorney on XX/XX/XXXX. Since XX/XX/XXXX I have not received anything in the writing from the lender regarding that package. A lady by the name of XXXX XXXX will call both myself and my husband during business hours when we are not available. My husband and I have both returned her calls and left voicemails of when is the best time to reach us and she will never call during these times. Every time we call her it goes straight to her voicemail, which we then leave a message letting her know when to contact us. The only thing we have received in writing since the loss mitigation package was completed are letters simply stating that XXXX XXXX is our point of contact. I have now been assigned an attorney ( XXXX XXXX ) through the XXXX who has confirmed that the settlement conference has not yet been scheduled and that written contact has not been made and he will now be an appearance on my behalf.
I have been disputing wrong information from XXXX XXXX XXXX on my. Credit report with experian that damages my credit out look by wrong information This wrong information was removed from other credit agencies as XXXX XXXX
I fired XXXX XXXX XXXX for failing to live up to their contract. They sent me to collections which I refuse to pay.
My wife XXXX and I requested a Loan Mod through Nationstar Mortgage Loan number XXXX in XXXX. We had a fixed rate FHA Loan at the time we requested the Loan Mod. Due to limited communication from Nationstar during the approval process of the Loan Mod which took Several months to approve we did n't know until we received paperwork to sign indicating there was an XXXX baloon payment being added. Out of desperation due to my wife being unemployed we accepted it. We felt that if we sold our home are Refinanced it the Baloon note would be included as part of our total payoff. We refinanced our Mortgage with XXXX XXXX in XXXX XXXX and received a Conventional loan, Loan. number XXXX. We were excited as we requested a Cash out Reference to take care of some home improvements. In XXXX XXXX we received a collection notice letter from XXXX XXXX with HUD regarding repayment of the XXXX balloon note. We also received a collection notice from US Dept of Housing attempting to collect debt. On XX/XX/XXXX I spoke with a Supervisor with Nationstar Mortgage now known as XXXX who provided me a paid in full letter to provide HUD and insisting the XXXX balloon not was a part of the Payoff and we owe nothing. I had to leave a message with XXXX XXXX with HUD XX/XX/XXXX asking her to contact us so we can provide the Paid in full letter provided by Nationstar Mortgage. Her voicemail stated she will be out of the office until Monday XX/XX/XXXX. Thus far HUD has reported this to the Credit Bureaus thus ruining our Credit and are threatening wage garnishment which will destroy our Finances as well. My wife was rescently hospitalized in XXXX with XXXX problems and has accrued a large amount of Debt from that. Any assistance you can provide in this matter would be greatly appreciated. Sincere thanks, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TxXXXX. My number XXXX, XXXX 's number XXXX
A few months ago I reviewed my credit report and noticed personal information that did not belong to me. I immediately called and a representative told me that it would get corrected but it never happened.
I recently received a copy of my Credit report ( XXXX, & XXXX ). The credit report showed several credit inquiry from syncb by your company that I absolutely ( DID NOT AUTHORIZE ). I understand that you shouldnt be allowed to put an inquiry on my report unless authorized to do so. 
I have an alert that when credit is authorized, that I am to be called via phone. I had contacted the company to request an investigation which has yielded no reponse or action initiated. I requested any and all photo identification and signature submitted to the company, yet no response or investigation. I did not apply for credit with this company. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX Creditor Contact Details SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
XXXX accounts XXXX, XXXX, and XXXX ARE NOT MY ACCOUNTS ... these need to be removed. I have told them numerous times and no one cares. 
XXXX got these accounts from XXXX. XXXX allows anyone to order from them without any source of identification at all. All you give them is a name and an address and then XXXX. I need these account removed. this is effecting my ability to get credit.
My home was foreclosed by Ocwen Loans. It was my primary residence. They are reporting to the credit burrows that I still owe them over XXXX dollars. They should be a XXXX Balance. I spoke with a representative and they were unable to provide me with the correct information after several attempts. This is interfering with me purchasing a new house.