WillisBack/dataset-financial-user-claim huggingface dataset:
During the past month I have disputed the validity of the alleged debt that XXXX  claims is due or owed. In my previous complaint I point out the FACT that there was no written notification sent to from XXXX to me after the company XXXX XXXX XXXX said they would cease and desist with collections. So with that and per the FCRA I should have received a written notification that the negative information would be added to my credit file. I have yet to receive this letter from XXXX  after the case with XXXX XXXX was closed and before the negative information was added to the consumer report. The issue is that there is no meaningful relationship between the consumer and XXXX. There is no signed agreement by both parties making the consumer legally binding to XXXX. The company also in their response sent company sent copies of a statement which doesnt show what was agreed upon, but only a record of the interest rate that was charged. Sufficient evidence would be a purchase agreement and a sworn statement from the original creditor who has first hand knowledge of the account and transaction ( s ). Also in this alleged account it shows the consumer name spelled as XXXX XXXX. I have no knowledge of that person or spelling of their name as my true name is XXXX XXXX  Furthermore pursuant to 15 U.S.C 1692d ( 1 ) debt collectors are prohibited from engaging in any conduct the natural consequence in which is to harass, oppress, or abuse any person in collection of any debt.
I am a victim of identity theft. Someone stole my personal information and identity, has been impersonating me for over 30 years opening fraudulent and unauthorized credit card accounts in my name. I been receiving harassing phone calls and death threats regarding the fraudulent and unauthorized credit card and collection accounts and student loan account. The following credit card and collection accounts, hard inquiries and public records are fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX, XX/XX/XXXX, {$14000.00}, XXXX XXXX, XX/XX/XXXX, {$5000.00}, XXXX XXXX, XX/XX/XXXX, {$8400.00}, XXXX XXXX, XX/XX/XXXX, {$5900.00}, XXXX XXXX XXXX,XX/XX/XXXX, {$7300.00}, Equifax Mortgage Services, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX,XX/XX/XXXX, {$290.00}, XXXX XXXX XXXX, XX/XX/XXXX, {$25.00}, XXXX XXXX XXXX XXXX, {$390.00}
XXXX XXXX  has informed me to contact the Servicer ( SLS ) and now I have been declined information from both the so called Servicer SLS so called owner XXXX XXXX. XXXX XXXX  stated SLS in fact is not affiliated with XXXX XXXX  in anyway ( per the 4 letter attached from XXXX XXXX  ). These statements from XXXX XXXX & SLS are misleading, deceptive and confusing. Per Servicer : ( SLS ) Specialized Loan Servicer is unable to comment on concerns regarding the servicing of the account with the prior  servicer ( s ) as we stated " they ( SLS ) are not a party to the transactions. '' Further, SLS is unable to comment on concerns regarding the origination of the account, the underwriting of the account, the clear chain of title and ownership, and the subsequent bill of sale of each mortgage assignment on my property deed. SLS is unable to release the lien on the account as balances remain at this time. 

PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT
I was charged an overdraft fee of {$35.00} on XX/XX/2015. The payment that caused my account to be " overdrawn '' did not post to my account on XXXX/XXXX/2015, after a cash deposit cleared the account. My account never had a negative balance. When I called the bank, they refused to credit me the NSF fee stating that the payment was processing. I was only able to speak with the bank via chat session. I have a copy of the transcript of the chat session.
On XX/XX/XXXX XXXX  placed a formerly disputed fraudulent account on my report that has many times in the past been disputed as fraud not to exclude that the fraudulent account is over 10 years old. 

I immediately disputed the account as fraud and noted that it is an account that has many times over been disputed as fraud and more than 10 years old, and that clearly the current collection agency, XXXX XXXX XXXX, bought it from another. 

Today XX/XX/XXXX, I receive an email from XXXX that there was a change in my credit score. XXXX dropped my credit score 63! points for an account that has been proven to be fraud, more than ten years old and has been repeatedly removed from my credit reports because it is fraud and more than 10 years old. And now today the same fraudulent account is on my XXXX credit report twice!! It was first placed on my credit report on XX/XX/XXXX and again by the same company on XX/XX/XXXX So one day after I disputed the account as fraud and over 10 years old and before any investigation was even begun XXXX penalized me with a 63 point credit score decrease and allowed them to place the same identical fraudulent account on my credit report that I had just disputed two days earlier These repeated errors by XXXX, Equifax and XXXX  are cause for investigation into the companies themselves.
AFNI Inc, they did not send any written communication to inform me of this debt before they added it over and over again to my credit report. I have never done business with this company and was unaware of any debt I have or had with this office. 

I request legal proof of this debt and for AFNI to cease reporting the same debt over and over again to the credit bureau. 

I have a government issued Identity protection that alerted me on XXXX/XXXX/XXXX that Afni, Inc added XXXX to my XXXX report. I also received an alert today XXXX/XXXX/XXXX that it was again reported to XXXX. 

I have another credit monitoring company through XXXX that alerted me that this debt was reported to XXXX also on XXXX/XXXX/XXXX still without proof of debt owed. 

Lastly, there is another creditor named XXXX XXXX that is reporting the exact same debt ( just a dollar off ). AFNI, inc has also re-aged this debt to look like a new debt everytime they report it. My credit score is taking major hits from these fraudulent recovery activities. I will be in touch with OPM credit monitoring as well as XXXX to report this fraud if they do not cease and desist their efforts to ruin my credit. 
I have also contacted a lawyer who is willing to take my case due to the proof I have for fraud. This is my last attempt to get them to stop or else!
My loan is being serviced by  XXXX   XXXX  and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage afte r the 1st modification was approved. Again, they have offered me two times another loan modification  only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've been treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tact ics ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks on me is takin g it 's toll.
Pinnacle Financial Services reported to the credit bureau that they colected a debt of XXXX Dollars for XXXX services. The debt was paid in full to XXXX XXXX. After it was paid Pinnacle reported it as a closed colection. This constituted re-aging of the debt they never had any involvment In collecting thereby severley damaging my credit score with all XXXX bureaus. I never had any correspondence or communication with Pinnacle Debt Services. They have refused to provide me with and valadation of the debt. They are the subject of numerous complaints with the with the XXXX in Minnesota. They are a predatory collection Agency who refuses to follow the FCRA. How can a collection agency report to the credit bureau a debt that i paid to another agency in full. They are engaging in re aging of the debt.
ADR Group has been contacting me about an alleged debt that they are attempting to file a civil suit for, stemming from 2007. They contacted someone other than me about the debt, and provided that person with confidential information ( such as part of my social security number ), and did not verify whom they were speaking to. They did not verify my identity and therefore provided this info to an unknown caller. They provided the phone number XXXX to the person they assumed was me. 
On XX/XX/XXXX at XXXX, I then attempted to contact them myself. They refused to answer my questions about sending me documentation proving that I have a debt of {$730.00}. I attempted to advise that if this debt was legitimate, that it had far surpassed Arizona States Statute of Limitations ( 6 years ). He told me that they had 10 years. I requested documentation of the original alleged debt, and they hung up on me. 
On XX/XX/XXXX at XXXX I attempted to call again. They did not answer. 
On XX/XX/XXXX at XXXX I called again. The representative ( male ) did not verify my identity, and began providing account numbers for the alleged debt. I asked when my court date was so that I could appear. He told me the court date was XXXX XXXX at XXXX XXXX County Court. He refused to provide a time. I attempted to ask about the time, he interrupted me by saying that he would send the documentation. I told him to not interrupt me, and he told me " No, I am in control and I will tell you what 's up. '' I attempted to ask where they were sending the documentation ( as they did not verify me, I have no idea what address they are sending this to. I 've moved several times in the last decade ). He hung up on me. 
On XX/XX/XXXX at XXXX I called again. The representative ( female ) did not verify my identity, nor did she request my case number. I asked her about the court time. She stated that a motion had not yet been filed. I advised her that the previous representative had advised me of the date and location of the court summons, but not the time. She stated " I do n't know why he would have told you that. '' She told me she would have the court summons sent. I asked about where she was sending it and she provided XXXX addresses ( still not knowing if I was actually the defendant. No one has yet even confirmed my name ). I advised her to send it to the second address provided. She stated I would receive it within two weeks. She then proceeded to tell me that " if you were a paralegal, you would know that. '' I advised her that I am not a paralegal, and never said I was. She then said " well he told me you told him that. '' then hung up. 
On XX/XX/XXXX I went to the case lookup function on XXXX County Superior Courts website. There were no court cases under my current or maiden name from this group. I attempted to look them up on the internet. They do not appear to have a website, which seems fraudulent. I then proceeded to file a complaint with the Federal Trade Commission for what appears to be a possible Identity Theft scam or phishing. 
FTC Compliant XXXX
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX OF XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
I have been in your home for XXXX years and have an FHA Loan. I have a solid previous payment history and in XX/XX/XXXX you lost your job. Within a week of losing my job I filed for Unemployment benefits and contacted the Mortgage Company ( FBC Mortgage ) for assistance. I called and spoke to several agents, requested a loan mitigation package, and filed all the paperwork that the bank requested. And yet, when I called for a status Friday XXXX XXXX XXXX, I was informed that they have put me into foreclosure, without resolution.
Conns Home Plus has been contacting me for days and days at a time to collect on a debt that is owed to them. Yes I will say that my payment is late for the month. I have tried in the past to call Conns to let them know that my payment would be late so I would not get the calls and still ended up getting calls. So now when I am late it is no need to speak to them because they wont honor they agreement to stop calling. Now moving foward to the present time. The company is calling me from a number that is showing up as a XXXX XXXX instead of Conns or even with a name listed to get me to answer the phone. When I called the number back I told the person who answered the phone to stop calling this number less than 2 minutes later the phone rings again and it is someone else calling from the same company again from the same listed number. They will not leave me alone. I feel as if I am being harrased by this company and no matter what I do they will not leave me alone. Yes I am late on my payment but when I speak to them they still call the next day and the next day and I have to repeat the same thing that shouldve been notated in the account
In XXXX XXXX I took a position with the Department XXXX XXXX in XXXX. I had services with my cell phone with XXXX XXXX. I requested that service to be cancelled on XXXX XXXX XXXX. I received confirmation from XXXX via email on XXXX XXXX, XXXX they received my request. In XXXX XXXX I had a discussion with a XXXX representative in reference to my account and was informed I was past due in the amount of {$90.00}. On XXXX XXXX XXXX I paid that amount. I noticed a collections from XXXX XXXX XXXX XXXX XXXX and talked with a representative in XXXX XXXX. I was informed that this charge in the amount of {$110.00} was generated in XXXX XXXX. I wrote XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to this collection. I received no response. I wrote XXXX XXXX XXXX on XXXX XXXX XXXX about this collection on my credit report. I received no response. This collection is still on my credit report now under Pinnacle Credit Services. I attempted to contact Pinnacle Credit Services but only to find out they do not hold this account and that a different company holds it.
To whom it may concern : On XXXX/XXXX/2017, XXXX/XXXX/2017, and XXXX/XXXX/2017, I mailed Experian by CERTIFIED mail in regards to some reporting issues that I have with them. The account names are as listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It 's been an ongoing and frustrating process trying get them to properly investigate the issues that I have with the they and creditors. They 've also failed to provide me with factual and accurate information regarding the conclusion of their investigation, validating and verifying the accounts and inaccurate information that they continue to report. I made it perfectly clear to them in my letters that I wanted these issues thoroughly investigated and that I wanted to be updated in full detail of the summary of their investigation. Including the name of the company and representative that they spoke with along with the date and time, valid contracts, and anything else that will prove that what they continue to report is verified as well as validated. I also included that the issues can be resolved by simply removing the inaccurate and incorrect reporting if the items I mentioned above ca n't be provided. This has truly been a painful experience for me. What makes this process more frustrating is that I 've contacted other credit bureaus concerning some of the same issues and they 've more cooperative and helpful than Experian. I thought that they are supposed to have consumer 's best interest at heart. Instead, it seems as though that they 're trying to hinder me. I did n't want to result to filing this complaint, but I hope that this will be the conclusion of this entire ordeal because I 'm exhausted! 

Certified Mail # XXXX XXXX/XXXX/XXXX Certified Mail # XXXX XXXX/XXXX/XXXX
I had filed bankruptcy to stop a foreclosure and filed in RI as it was closer than Ma and I had a XXXX XXXX and XXXX and could't get a ride to XXXX, the stay was not accepted due to many filings allegedly and after an emergency filing with the court and the court granting the stay the attorney XXXX XXXX of Harmon Law Offices PC refused to take the sale date down or remove the sale date, in edition a person who owns the home with me filed bankruptcy and he will not recognize his stay either. He said he is foreclosing and that is final! The judge scheduled a hearing on my emergency motion and he showed up after dropping paperwork off to my house the night before he claims he served me and he did n't my hearing was for my filing not his motion to be relived from the stay. He also asked the judge to make a decision on people living in my home without their being there to answer for themselves. He crossed the line and taking this personally.I want my stay recognized for what it 's worth as the judge stated he ca n't set a date until my appeal process is over and he XXXX states he will leave it and when appeal is over and I loose he will take my house. The is bad behavior on this attorney 's part and I am not taking this any longer.XXXX also states he delivered the paperwork to me before XXXX XXXX on X/XX/2017 and he is not telling the truth it was n't till almost XXXX XXXX that the paperwork was delivered. Also he put the foreclosure in my common law husbands name and he filed bankruptcy and owns the house and XXXX XXXX states he does n't have to recognize the stay. He is playing god with peoples lives and may even want the property as I ca n't understand why he is taking a person stance in my foreclosure. My house is nice and a lot of people want it but I built it and put down 250 K plus on my home the pick a payment loan just got to be too much. I was in the middle of a work out option I also stated the 2nd mortgage was paid in full and their is no 3rd mtg and XXXX stated to the judge that he know it to be fact that I do have a 2nd and a 3rd mortgage and why try to stop the foreclosure when I owe so much, but I worked very hard to pay off both the 2nd work out a payment plan on the 3rd and when the bankruptcy goes thru the balance to be wiped out and it 's not much XXXX XXXX. He painted a picture that was n't true. I am a single mom with XXXX boys and XXXX babies that live in my home along with an XXXX old man and I want to fight for what is right.
Lender has repossessed vehicle with no warning. I have been calling the company for 6 hours and no one will tell me where the vehicle is or what amount I will need to pay for it to be returned. 
The company is GMFinancial. The website will not let me log in or reset my password and the call line has transferred me twice. Given me a bad phone number to call. And told me three different times to call back since Thier " system is down '' I have been on hold for over an hour now.
i JUST WANT MY CREDIT REPORTS TO START ON MY IDENTITY THEFT SITUATION. THIS IS A NIGHTMARE
I have come to find out they charge an illegal interest rate in the several hundreds. I have paid back the loan, but I was and still am struggling to make ends meet because of this loan.
Our mortgage was bought by Ditech Financial, LLC. We have been trying to obtain a loan modification for the last four months and have been getting the run around since then. We have been assigned several representatives to work on our case. They have not contacted us to let us know where we are in the process. We can never get a hold of them when we call. We have been required to submit the same paper work three different times because they lost it. I am a XXXX vet currently serving in the Florida XXXX XXXX.
I booked a XXXX vacation for my family to celebrate my daughter 's XXXX birthday. My wife and I spend several hours on the phone with XXXX travel staff asking questions on the various resorts. We requested an all inclusive resort with beach front but were sold a resort that does not have a beach. This resort was rated XXXX stars during the peak season but is down to just XXXX stars. This sale was fraudulent and totally misrepresented. I attempted to contact the CEO at XXXX but my letter was rejected. AMEX is just closing this case and walking away at this point. As my credit card company AMEX should be looking out for me and supporting my claims in this case. I request your investigation, review and oversight of this dispute as I am being given a run-a-round.
A year ago we took out a mortgage with Wells Fargo. At closing, the Truth in Lending statement disclosed a monthly payment of {$1700.00}. One year later we received notice from Wells Fargo stating there was a {$5000.00} shortage in our escrow account that would need to be paid, as well as our monthly payment would be increased to {$2200.00} We reviewed all mortgage documents, and found that Wells Fargo made an error on the Truth in Lending statement in regards to our taxes. We contacted Wells Fargo in an attempt to resolve this situation. After 2 months of review, they ultimately admitted they made a mistake, they covered the {$5000.00} escrow shortage, but said we are still responsible for the higher mortgage payment, which amounts to {$480.00} more every single month for the term of the loan. We are not satisfied with this resolution, as their mistake will cause our family to have to pay an additional {$480.00} each month for the next 29 years.
I noticed on my credit report that I have a collection against me on a rental apartment. I never lived there and there is a balance of XXXX dollars. IQ data is the name of the collection agency. The name of the apartments is XXXX.
I bought a car in 2015 and it was the 2nd car through the dealership, the first car was broken so I was roped intoo a new purchase of a used car and I'm paying for 2 cars but driving 1. Ally financial has changed my address without my permission ILLEGALLY or my moving so I do not receive correspondences. I have called over a dozen times to resolve the issue, they said an investigation is underway, I ha ent heard anything in over 6 months. They also, never changed my due date when requested and I just feel I'm being completely ripped off by ally AND the dealership. they use racketeering practices and are XXXX.