WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, and at least quarterly for the last two years, Pacific Home Loans Inc. will mail official looking documents that allude to being a part of the Department of Veterans ' Affairs or the recipient 's home state ( in my case, the State of Washington DSHS ). It claims to consolidate debt under a refinanced home loan. There is letterhead made to appear as either the State of Washington or the VA along with official looking Service Member ID numbers, reference IDs, and information about your current loan and lender. The company soliciting the refinanced loan is only mentioned in small print in obscure locations of the letter. There will be a unique web URL created in the letter and a phone number that is only referenced as a " VA Loan Specialist. '' This is a predatory loan company with no official ties to the VA or state government. Requests to be removed from mailing lists have been made by phone, email and USPS letter. None of the requests have been fulfilled.
FILE NUMBERXXXX REPORT DATEXXXX NAMEXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; +XXXX # XXXX this a fraudulent account listed on my credit file XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$1700.00} Date Updated : XXXX/XXXX/XXXX Original Amount : {$1700.00} Original Creditor : XXXX ( Cable/Cellular ) Past Due : & gt ; {$1700.00} & lt ; Pay Status : & gt ; In Collection & lt ; Remarks : ACCT INFO DISPUTED BY CONSUMR ; & gt ; PLACED FOR COLLECTION & lt ; Estimated month and year that this item will be removed : XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
I do not believe this is even a debt I incurred they tell me that the debt was made ( XXXX ) in 2013 but it just magically appeared on my credit report this past XXXX, I never received any letters, phone calls, or any correspondence whatsoever. I only recently discovered it because of a financial transaction that I am in talks to make. I called them 3 times and they were rude and uncooperative even when I told them I was willing to take care of this ( even though I do not agree with it, just to get it gone ) if they would remove it from my credit report and they told me NO in no uncertain terms each and every time I phoned even speaking with a supervisor. my financial advisor recommended that I reach out to you so that you may possibly get this right. again I reiterate I NEVER had a chance to even settle this because I never even knew it existed
continues to call me at work or cell phone states they have documentation that they are going to submit. When I asked them to stop calling they become irate and verbally abusive
Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX
These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX LISTED TWICE NOWXXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX
The balance due is XXXX, the GLA Collections continues to show that i have an open item in collections. The date reported on this XXXX balance collections item is XXXX 2012. 

I do not have anything in collections, however this item continues to show but reflects a XXXX balance. I want this dropped off my credit score history. 

Thank you.
My equifax scire dropped significantly in late XXXX and the reason XXXX XXXX reports reported the change was due to a change in or use of another name on my credit file. The error was reported by Equifax and I obtain the information by reviewing XXXX XXXX   free credit file. I disputed the name XXXX XXXX because I do not use XXXX XXXX on any accounts or credit. My name is XXXX XXXX XXXX- XXXX . 
I immediate feltt this could be fraud trying to open up accounts in an alternative name using my information. I also saw an address XXXX Ill where I never lived. I disputed both and ask that they be removed. 
Next the Dispute letter was to Equifax and I listed my XXXX XXXX XXXX, GA address. 
Apps 2-3 weeks later I got a letter written to me requesting my identification. No problem But the request was sent to XXXX XXXX XXXX XXXX XXXX Ga XXXX ( note this was a XXXX home purchase where I had closed in XXXX but had not moved into the home was vacant ) The letter set in the box and as I was moving I notice it later that month And responded to the documents they requested. I didnt have a deed to verify new address do u sent closing documents I sent my military ID because I dont have GA Drivers License and I sent copy of my Socisl security number and restated my complaint and question them why they didnt respond back to XXXX XXXX because ... .the mail could have set there for weeks because I had not changed address and not moved. 
After this letter and response.i gut a letter sent to XXXX XXXX XXXX Ga address early XXXX stating they cant verify my identify nothing about my dispute. 
It is now XXXX still dont have the wrong information removal and no resolution I feel I am getting the run around and my score remains lower affecting my ability to obtain additional credit the dental work because the Equifax score is lower
I 'm receiving calls from Navient/XXXX regarding someone else 's student loan. The phone numbers that contact me are XXXX & XXXX they are asking to speak with a XXXX XXXX , who I do not know.
My Husband was the primary breadwinner. He was XXXX for the XXXX time XX/XX/XXXX. He died XX/XX/XXXX. By XX/XX/XXXX I realized I could not afford to keep the house and I listed the property with XXXX XXXX Properties for {$270000.00}. I had a full price offer within a day, but if fell through 2 days later. Shortly thereafter I had a XXXX offer in the {$260.00} 's. It also fell through quickly. XXXX XXXX made a bid of {$240000.00} XX/XX/XXXX but I needed to get {$260000.00} to break even. The {$260000.00} consisted of a XXXX and XXXX trust both the held by XXXX. Thereafter XXXX XXXX notified me on several occasions that we had received one or another verbal offer but none were above {$210000.00}. XX/XX/XXXX I asked XXXX XXXX to contact XXXX XXXX to see if she was still interested and might pursue the property as a short sale. I accepted her offer of {$240000.00} on XX/XX/XXXX subject to a short sale. I completed my short-sale paperwork and we submitted it through our short sale negotiator XXXX XXXX of XXXX & XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX could no longer continue making payments. During the ensuing 5 months XXXX " lost '' the paperwork and we resubmitted it several times. XX/XX/XXXX I was notified that XXXX had sold the XXXX Trust to " SLS '' while retaining the XXXX trust. I resubmitted my paperwork to SLS. SLS sent XXXX appraisers to the property. The XX/XX/XXXX appraisal I was told was $ XXXX and the XXXX appraisal was for either {$270000.00} or {$280000.00}. XXXX figure was given to XXXX XXXX 's office and another To XXXX XXXX. No copy of either appraisal was ever provided to myself, or to XXXX XXXX, or to XXXX XXXX. XXXX XXXX was informed that SLS would consider a dispute of the appraisal ( s ) and would respond with 5 days upon receipt. By this time my agent XXXX XXXX had announced his retirement effective XX/XX/XXXX and I hired XXXX XXXX of XXXX XXXX XXXX who put together a copious, highly detailed, XXXX with a value of {$230000.00}. It was submitted XX/XX/XXXX both by e-mail and by fax. Our 5-day appraisal dispute review period has come and gone with no response. In the meantime XXXX XXXX, my purchaser has withdrawn her offer.
Commonwealth financial systems, called me about a debt for {$780.00} from a hospital visit in XX/XX/XXXX, I had and currently have insurance from my employer whom I've been working for, for 6 years ( XX/XX/XXXX ) the insurance should have covered my hospital bills, and no disclosure on how/why I was charged and not notified way back then about this debt ... this is showing up on my XXXX and XXXX credit report, and I also have noticed on my report that a couple of the months on the payment history show as " C '' " current '' and the rest as " ND '' or " no data '' ... is this a form of re aging? Please contact me with an update whenever possible ...
I graduated from XXXX XXXX University and had taken out a private loan through Key Bank. Since XXXX I had been current on my payments. In XXXX of XXXX I was discharged from a bankruptcy and throughout the entire time I made payments to my loan. In the beginning of XXXX I became behind in payments. I called Key Bank the beginning of XXXX XXXX to get my account up to date and I was given the worst run around from there on. At first I was transferred to a woman from their law office telling me they never received my discharge papers from my bankruptcy ( from XXXX - which is not my responsibility seeing as how student loans are non-dischargeable ). She then told me my account was on hold and to call back in a week. I did call back in a week and I was refused payment numerous times by their employees, sometimes I was transferred to the " charge off '' department and sometimes they transferred me to their XXXX party collections who then said they were n't handling my account. On XXXX XXXX I called and was informed my account had been charged off, with no notice. It is my right to be given notice. They told me they had n't been able to give me notice because of my bankruptcy, but my bankruptcy was closed in XXXX of XXXX. After much persistence I was finally put in touch with XXXX XXXX who handles their bankruptcy cases. I called him several times in the beginning of XXXX and he always said he would call me back but never once did. I sent a written letter to Key Bank outlining my troubles and asked for a written letter back but have heard nothing. I have no information of who is handling my account now because as soon as they charged my account off I could n't make payment on the XXXX XXXX Borrower website where I always made payment. I am upset because my dad is a cosigner on this loan and now this is affecting him.
I checked my credit report on XX/XX/XXXX only to discover that as early as XX/XX/XXXX, a creditor named XXXX XXXX XXXX has been reporting that I owe them an amount in excess of 100 dollars. I have never conducted business with such a company. Additionally, I was NEVER provided a written notice of this " debt '' by the company explaining the amount, when they generated a file on " me '' in their office ( if any ) and any information regarding an original creditor. I received NOTHING. My consumer rights have been violated as it is required under FDCPA to disclose these things.
I have attached proof that i have requested that XXXX XXXX XXXX XXXX provide information to me that this is in fact my debt. I have not received a response. I have contacted them via certified mail. Attached you will find the original letter asking for the debt verification and the certified mail receipt. I would like this information removed from any and all credit bureau agencies.
US BANK CHARGED THEIR MONTHLY MAINTENANCE FEE TO MY ACCOUNT PUTTING IT IN THE NEGATIVE. THEY THEN CHARGED ME XXXX BECAUSE THEIR MONTHLY MAINTENANCE FEE PUT ME IN THE NEGATIVE. I CALLED THEM TO SPEAK TO THEM ABOUT IT. I TOLD THEM THAT IT WAS UNETHICAL IN MY OPINION TO CHARGE A CONSUMER FEES ON FEES THEY CHARGE. THEY REFUSED TO WORK WITH ME OR REFUND ME THE MONEY. I ADVISED THEM THAT I WAS GOING TO FILE A COMPLAINT WITH THE CFPB.
This is a REBUTTAL of XXXX XXXX 's Answer to my Case # ' : XXXX XXXX XXXX XXXX., not in it 's individual capacity but solely as " trustee '' for the XXXX Trust, Series XXXX states that they are " NOT THE APPROPRIATE PARTY TO ADDRESS MY ISSUE ''. 

Well, If XXXX XXXX does NOT want to be involved, WHY then did they file a FRAUDULENT PROOF OF CLAIM via their attorney, XXXX XXXX XXXX in my Federal Bankruptcy Case, stating that they were the 'CREDITOR, AND NOTE OWNER AND HOLDER " of my Deed of Trust, and Note, that secures my property. They are HELPING / ASSISTING Passively, as a " XXXX XXXX '', as " Trustee '' .... for the Servicer, Rushmore Loan Management Services LLC. to FRAUDULENTLY, ILLEGALLY AND CRIMINALLY STEAL MY HOME ON XX/XX/XXXX!! 

SO TOO BAD XXXX XXXX, THAT YOU DO NOT WANT TO BE INVOLVED!! BY YOUR PASSIVE AGRESSIVE ACTS YOU SURELY ARE INVOLVED, AND GUILTY OF CRIMES AGAINST US!!!!!!!!!! 

NO MORE EXCUSES!! 

I DEMAND THAT YOU STATE, HERE AND NOW, THAT YOU ARE NOT THE " CREDITOR '', HOLDER OF MY NOTE, HOLDER OF MY DEED OF TRUST, NOR ARE YOU THE TRUSTEE FOR THE XXXX TRUST, SERIES XXXX '' WHO IS ATTEMPTING TO ASSIST IN ILLEGALLY STEALING MY HOME AND ENRICHING THEMSELVES. 

DENY YOUR ROLE, RIGHT HERE, RIGHT NOW, IN THIS CASE - DENY BEING THE 'TRUSTEE '' FOR THE XXXX TRUST, XXXX XXXX REGARDING MY NOTE/LOAN # XXXX. 

SWEAR, UNDER PENALTY OF PERJURY, THAT YOU HAVE NO INTEREST IN MY HOME LOAN/DEED OF TRUST, ECT ... AND THAT YOU ARE IN NO-WAY ASSISTING RUSHMORE LOAN MANAGEMENT SERVICES LLC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, OR ANY OTHER ENTITY IN FORECLOSING ON MY HOME ... 

DENY THAT REPRESENT XXXX XXXX XXXX. AS TRUSTEE FOR THE XXXX TRUST, SERIES XXXX.
ok I tried to submit one complaint for seven unrecognised hard inquiries and Conclusion of investigation is I should handle this on my own. ( Im just a blue coller individual who has begun to feel run over and constantly lied to by a large and harmfull company maskurading as some sort of judge, jury, and sadistic nemisuse. ) For instance once I finally contacted an actual human at XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX I was told they have no account or account request for me when he ran my S.S. number which I fear will result in another inquiry due to equifaxes incorrect info. It took hours of explaining that I did not have an account number and please stop hanging up on me as I will begin criminal procedings to stop this problem. The agent finally agreed to research problem by S.S. number and told me they have nothing to do with this inquiry to call equifax back. I begged this XXXX representative for a confermation number that I had contacted them and no inquies should be on my report. He refused and said it comes off your report in one month anyway and again hung up. His reply which is not true nor do I apprietiate that it ever existed on my report infuriats me. 
I called in a dispute to equifax and told they were accurate yet again and I would have to solve this with company making the inquiry even though The company explained they did not do this. 
Im also part of equifaxes breach that I find suspiciouse and wonder if equifax may have hacked themseves because they released there version of life lock which they were demanding that consumers needed to purchace or suffer the conciquinses right about same time of breach. 

This is unfair and has caused me great hardship and lose of contact with family as I cant live in nieghborhood any more that I grew up in now that my credit rating has fallen below established standards. I now live in the hood not an affluent upscale XXXX. My unfair credit rating. prohibits me from buying a car at normal rates. My qualified nieghborhood has limited public transportation, no grociery stores, pharmacies, etc. It is virtually a desert of services due to the crime. My reduction of health due to illness, being beaten and mugged, forced to live as a recluse is dirrectly caused by equifaxes rating of me. I feel that someone who is knowledgable and proffesionally accociated in fair reporting should help me pro bono as a act of human compasion and deciency as Im severerly in danger of loosing my life, sanity, and dignity as a part of what I have always believed was a enlightened and positive force in defending those who couldnt defend themselves. 

Equifax doesnt even report my vital statistcs correctly. They also have admited to having multiple files for me which wasnt there proper method of crusifing innocent consumers, and they have stated that they dont know how it happened.
I have sent letter after letter proving that these accounts have been paid in full and to remove them all because theyve been consolidated to one and it looks horrible with all these different loans on my credit report. I have asked them to please remove them only to here nothing back.
The company has published false information to all three credit reporting agencies. I requested for validation, they are unable to provide me with a contract or anything with my signature to show I am the owner of the account. The are charging/request {$710.00} for the account. However, the bill the bill that they sent to me is for {$300.00}
My bank has been having problems with automated payments to my credit card company - cancelling them because of the amounts involved in concerns for fraud. I am able to make manual payments on my card. Because the automated payment is returning each month, the credit card company is putting a 7-day payment hold on ALL payments made to them. On top of this, when an automated payment is made, I can't pay any amount on the card until the original payment has failed because I'm not allowed to pay above the balance on the account. I have discussed with customer service the situation several times and they refuse to acknowledge that the automated payments are the ones failing and the manual payments are all going through. They refuse to release payment holds on the credit card. 

The problem this causes is that the CC account shows it is under the credit limit but on some internal system goes over its credit limit and the card is declined. The account balance on the card remains low ( showing on all services and in automated customer service system as paid ) while the customer service representatives report the balance as over the limit ( showing as not paid ). 

This is the card which I have signed up all recurring service charges to - phone, security, alarm services, insurance billing, etc. These are highly important charges to go through and because of this situation with the CC, I am regularly having to call customer service for each of these services to fix the failed payments. 

I have requested that the credit card company provide any possible mechanism to make the CC functional again. Releasing the payment hold on manual payments was refused. Increasing the CC limit was refused. Speaking with someone else was refused. They refused to provide me with a notification when the internal CC limit was being approached so that I could avoid it going over. They refused to make it possible to pay over the account balance during an automatic payment. The closest I have come to a resolution was after offering to send in a bank statement showing the transaction, they said that they would review it and it was in their discretion whether or not to release the payment hold. 

I have been working with my bank to fix the automatic payment issue, and hope that it will be resolved soon. The refusal of the CC company to find a way to have the CC be functional is a massive headache and not providing the service for which I signed up.
Lowe 's Consumer Credit/Synchrony Bank intentionally causes payment difficulties and refuses to acknowledge their failures. I repeatedly attempted to pay my Lowe 's Consumer Credit Card via their automatic system and it failed each month until I finally just paid it off in person. I perceive through my interaction with their customer service that this is a systematic attempt to create circumstances which will result in fees or interest charges.
Never use there services was told it was not me and to please remove from credit report the woman told me know and asked her to please send me all information Id paperwork signed by me saying it was me never received
Experian has on my credit report date open from XXXX XXXX on XXXX XXXX but first reported on XXXX XXXX and XXXX months fin but on the other loan that was transferred open XXXX XXXX but first reported XXXX XXXX XXXX months in which the loan was not finance on XXXX or XXXX months it was XXXX Months There was no XXXX written off as stated on my credit file. And how does the loan be transferred with out my consent or does the terms not match up the loan months. 

and on my credit file with XXXX XXXX there is a charge off of XXXX XXXX  showing. 
The months of the loan was wrong and there where the issue of the loan being transferred without my permission nor did I agree to any of the terms when transferred And why did the loan go so many years not reported as it is on my credit files but show up years later. all different dates. 
errors show on credit file XXXX/XXXX/XXXX delinquency XXXX days but closed XXXX/XXXX/XXXX last payment made XXXX/XXXX/XXXX XXXX closed out XXXX as not paid if there was a balance and if I never paid the loan why was the title mail out and the car was traded in. 
XXXX XXXX does nothing but report wrong information and has all different amounts of years showing on my credit file.
For my birthday, my son gave me a XXXX Debit card purchased from a store for XXXX. I held onto the card until I need to purchase something. I went to use the card approximately 18 months later and only had {$6.00} available on the card. I called up the debit company, XXXX, and made a complaint. They apologized and said it was because of inactivity fee. I did not know when given this card there was in inactivity fee. What, exactly, do they have to do for this fee? 
I feel this is an erroneous fee, almost as a punishment for NOT using your gift. 
I would welcome your assistance in trying to recoup the XXXX they kept from me. 
The card number is XXXX. It expires XX/XX/XXXX The security code is XXXX. 
Their telephone number is XXXX Please let me know if you need anymore information. 
Thank you, l XXXX XXXX XXXX XXXX
About 20 or 25 yrs ago Citi Bank said that i owe them some money but I never took out any loan or anything from Citi Bank, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called XXXX XXXX they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing