WillisBack/dataset-financial-user-claim huggingface dataset:
Consumers need to be on the ALERT about a law group name, XXXX XXXX XXXX XXXX XXXX XXXX a.k.a XXXX XXXX XXXX XXXX XXXX and other alias. The are a debt buying firm and they obtain  FALSIFIED judgments. An Earnings Withholding Order was received by my employer from this firm claiming they have a judgment against me for a debt from XXXX card. I called XXXX card and they notified me that the debt was charged off ( sold ) and if anyone is making an attempt to collect it is for their benefit not XXXX. I gave them the name of the firm and they told me that I needed to contact them because XXXX has NO ties to this firm. Upon reviewing the " court documents '' it appears that XXXX XXXX XXXX XXXX XXXX alleged to have served me, however according legitimate court documents XX/XX/2016 shows that papers were returned due to not found/no service. They then started to submit false documents to the court stating I was served as to obtain a default judgment. I am not the only person that this has happened to, matter of I have a co-worker that they are pursuing as well. Please investigate the practices of this business.
I returned the XXXX XXXX items in their self shipping label and they are trying to collect for items that I returned. If they just go check their XXXX for the tracking number, they could prove that I sent it in. XXXX XXXX refuses to talk to me and says that I need to speak with Diversified. Diversified says I need to speak with XXXX, so they just keep pointing the fingers at each other and nobody wants to do anything. If they simply check on the tracking number, they will find that it was returned and this debt does not belong to me.
Chase violated my credit card ( Chase Freedom ) agreement by mailing a credit card pertaining to my account to different address. The credit card agreement states that cards are to be mailed to the address of record. As a result, the card was mailed on XXXX and on XXXX approximately {$130000.00} in charges was attempted and {$6800.00} posted before Chase contacted me. Chase has yet to remove the charges and is not fully cooperating with me. I firmly believe that Chase is negligent.
Quality Loan Service, trustee for XXXX, has been holding up closing on a transaction, first by withholding a payoff, and now by not responding to our request for notice of error for the most recent payoff obtained. We obtained a payoff statement valid through XXXX and in anticipation to close XXXX ordered a new payoff in writing to them on XXXX. This payoff was not received until XXXX after numerous requested from both our law firm and the closing agent Attorney 's Title. The payoff quote was received and only valid for 2 days. The quote happened to incur a {$3000.00} new fee that we were requesting be looked into and since the request per XXXX XXXX XXXX ( b ) they have not yet responded. With the addition of this fee we are unable to close. We were anticipating closing based on the per diem and they have taken so long that fees just continue to accrue. Numerous phone calls to this trustee result in a voicemail and multiple emails are not responded to. The second lien is being shorted and the longer it takes for this trustee to respond, the more fees they are able to collect ultimately costing the consumer money. We need this looked into immediately.
LENDER sold and inspected SUV with check engine light and many other e problems due to kill switch hacked in to harness and plugged into fuse panel so terms are weekly however if i am 24 hrs past due they disable SUV no matter where what and it violate contract law and any logical practice beyond that they charged 400 month i was told 24 months and its actually 36 they claim and the suv is a XXXX books at XXXX maybe they charged XXXX and harass leave you stranded never been more than a day or two except once the bank error but they called we paid 3 payments right then the suv now one yr into it needs tires exhaust check engine electrical battery remote entry messed up
Hello, I am an XXXX female XXXX Veteran. 
Upon my graduation in 2007, I was contacted by XXXX XXXX to start paying off my student loans unknowingly signing up to consolidate my loans right out of school. I have been struggling with finding stable employment to make the payments towards paying back my loan. 

My loan has reached default status, and was passed to XXXX. They 've recently passed my account to Transworld Systems who now manages my account. 

Transworld wants me to agree that I owe {$30000.00} when my understanding is that I owe {$24000.00} on my principal and I 've accrued {$3900.00} in interest. This total does not add up to {$30000.00}. I sent a dispute letter to Transworld Systems asking them to verify the amount. And, I wanted to report this situation as well. 

Although I want my loan out of default by participating in their loan rehabilitation program, I do not want to verbally agree to owing this much if it is n't my true balance.
I have provided Equifax, XXXX and XXXX standardized affidavits and provided notarized identification, in compliance to the Fair Credit Reporting act 610 ( a ) ( i ) and FCRA 609 ( a ) ( 1 ) ( A ) informing these companies of an inaccurate bankruptcy and debts discharged reporting on the credit file maintained under my social security number. 

XXXX XXXX was also reporting this inaccurate information but deleted it as a result. Therefore, because I am a victim of identity, I have filed an attached my FTC report under the FCRA 609 ( d ) ( 1 ) in reference to this reporting. Section 1681 e ( b ) requires these organizations to verify my identity with the original furnisher, and they have not because I have written and contacted the courthouse listed on the report and they responded back on company 's letter head that it was not the provider of this information and since XX/XX/2005, do not keep full social security number because of this very cause FCRA section 1681 ( a ) ( 5 ). 

This is affecting my ability to get credit and my livelihood, according to my state attorney, Mr . XXXX, ( Mississippi ) this a violation of my privacy laws of the FCRA and identity. XXXX XXXX XXXX v. XXXX XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable, so I requested in legal documentation affidavit to provide me the name, address, and telephone number of anyone from the original source, furnisher, that was contacted under the FCRA 609 ( a ) ( 2 ) and all 3 companies have failed.
I submitted a dispute letter to Equifax advising that the debt reported for {$200.00} by XXXX XXXX XXXX was fraudulent and that I am a victim of identity theft. I was originally made aware of my identity being used back in 2013 when someone filed a tax return under my social security number, name and other personal information. I filed a police report in XXXX, GA at this time. I submitted this proof to Equifax and also to XXXX XXXX and have also completed an identity theft affidavit along with my driver license and notarized statement. However Equifax continues to report this derogatory information on my credit file.
I spoke with XXXX at Equifax fraud department and expressed that I have never done business with the original credit XXXX XXXX and they this is a fraudulent crime. I have also requested validation of this debt from Equifax in which they have not provided.
Please see attachments that were submitted to Equifax and XXXX XXXX XXXX.
Due to this company ( XXXX XXXX ) and their unscrupulous business practices, I have been negatively affected on my credit by 200 points. 
When we left this property and moved out of state, giving a proper 30 days notice ( apartment ) Our unit was left move in ready condition, they were trying to charge us for cleaning fees, paint, carpet cleaning .We had only lived in this unit 6 months. We disputed all of this because it was trumped up charges or had to be a different apt they were talking about and they continually failed to respond only that they would look into it. We called, left messages, and emailed them with no response. Here we are 3 years later and find out it was turned over to collections with no correspondence, they had both of our emails, phone numbers, our forwarding address and my mothers address to contact us. 
The company that reported on behalf of XXXX XXXX is Fair Collections and Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX MD, XXXX, PH # XXXX. I have called them twice, and they said tough luck, after I told them these were not true charges. The people knew we were moving out of state and took advantage of us by trumped up charges because we were n't going to fly back to walk into their office. We tried no less than 30 times to contact XXXX XXXX to no avail. 
Prior to living in this unit we lived in another unit on this property that was smaller and when we moved out they charged us nothing because nothing was wrong. Everything changed when we gave notice.
I called Navient on XXXX/XXXX/XXXX and requested that the payment of {$70.00} that I was then making over the phone be applied to the principal balance of my unsubsidized loan ( XXXX Direct loan, disbursed on XXXX/XXXX/XXXX ). The customer service representative informed me that he would apply my payment of {$70.00} to the principal of my " XXXX Direct loan ''. I further clarified, and asked him clearly, again, if the payment would be applied towards the principal, not the interest, and he told me that the balance of my payment made on XXXX/XXXX/XXXX would be applied towards the principal. I told him if the payment was going to the pricipal, that I would make the payment, he agreed, and so I made the payment. 

I called Navient today ( XXXX/XXXX/XXXX ) to confirm that the payment made on XXXX/XXXX/XXXX was applied to the principal, and was informed that the payment made on XXXX/XXXX/XXXX was not applied to the principal, and that it was applied to the interest. The operator on XXXX/XXXX/XXXX informed me that interest must be paid before a payment on the principal can be made. I told her that I wanted to speak with a supervisor, as that was not what I was told when I called on XXXX/XXXX/XXXX, and that I would be contacting the CBFB if she could not help me. She told me she would transfer me to a supervisor, but only put me on hold for approximately 10 minutes. The operator came back to the line, told me that they would go over the recording made on XXXX/XXXX/XXXX, and would call me back. I missed their return call, and called them back and spoke to another operator who told me that the payment could not be changed to reflect what the operator told me about applying the {$70.00} payment to the principal of loan XXXX on XXXX/XXXX/XXXX, and that the payment would indeed be applied to interest charges. I told them I would file a complaint with CFPB, and ended the call. I was never transferred to a supervisor.
My wife had applied for a  Chase Marriott Rewards Card in  late  XXXX    XXXX  , which identified an {$85.00} annual fee would be charged on each anniversary, however when we received the card and activated it on  XXXX   XXXX , there was already an {$85.00} fee posted to the account. My wife contacted  Chase imm ediately on  XXXX  at approximately  XXXX  EST and provided the Customer Servic e Agent per mission to speak with me, her husband. I spoke with  XXXX , from  Chase, at len gth regarding this issue.  XXXX  was not very helpful because she kept saying that I was claiming that the terms stated the first year annual fee was waived, however this is not what I was suggesting at all, so after  XXXX  stated that she could not waive the fee then I requested to speak with her Supervisor. I then spoke with a  Chase Supervisor and stated th at the terms state the annual fee is charged on the anniversary but does n ot state it will be charged at activation or will be charged for the first year. I asked the Supervisor if she could  point me to the verbiage in the Terms where it states the annual fee would be charged at activation or in the first year, and after being placed on hold for what seemed to be  XXXX  minutes or more, she came back on the line and read the Annual Fee verbiage, which does not state it is charged upon activation or in the first year. She basically claimed that the word " annual '' means that it would be charged immediately, even though it clearly states that it is charged on the anniversary.   I expect more from  Chase,  a s one of the l argest banks in the  XXXX , and ask the CFPB to please provide stricter guidelines for banks to communicate the specifics around annual fees.   Thank you in advance.    XXXX   XXXX
Equifax Refuses to delete/ remove a incorrect collection account from my credit report which does not belong to me & must be removed immediately as its hurting my creditworthiness, account info is as follows : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX A/C # XXXX {$55.00} XX/XX/2017
DIVERSIFIED ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone 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 DIVERSIFIED 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 : DIVERSIFIED or 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 XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
In XXXX of 2017 I was switching from my old provider to XXXX who provides a bundled package with XXXX XXXX. Upon an in depth review of my Equifax credit report I noticed that I was hit with TWO hard inquiries from XXXX within six days of one another. One on XX/XX/XXXX and one on XX/XX/XXXX. It's TV service, it gets shut off if you don't pay, I don't see any reason whatsoever why TWO hard inquiries would be necessary in one week. I have attempted to contact both XXXX and XXXX, but they both blame each other and ping pong me back and forth without taking any responsibility. This, obviously, directly impacts my credit score and I would like to see one of these hard inquiries removed.
I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX  informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX  XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
On XX/XX/2018 I closed two loans with Union Bank. My complaint is that they charged me for the application fees which was in the amount of {$550.00} for each loan. I paid that when I first applied back in XX/XX/2018 for a refi with cash out. They told me they would not do cash out just rate and term, so I went ahead and did rate and term with just enough cash out to cover closing cost. The escrow company, XXXX XXXX XXXX XXXX, called me and asked me to sign docs on Saturday XX/XX/2018 at XXXX which I did. I noticed when I was signing docs for Notary person that there was an application fee of {$550.00} of each loan again. I told escrow person that I already paid app fee for each of the two loans back XX/XX/2018 and he told me it was probably just a mistake and that the escrow officer would remove it on monday but I should sign docs anyway because my rate lock would expire on the following monday so I signed. Called escrow officer on monday and was informed that Union bank would not remove this second app fee. Wrote to Union Bank about his matter and they refused to return my money period. Please see attached. 
Union bank claimed its two different loans but its not and the rate lock is the same one they used from back in XX/XX/2018. They ripped me off for $ XXXXVery shady Bank.
Attn : GE/CareCredit/Synchrony Bank/Consumer Financial Protection Bureau To Whom it May Concern : In regards to the letter that was attached to my complaint through the CFPB regarding Synchrony Bank/Care Credit ( CFPB Case XXXX ) ( Acct ending in XXXX ) I nor XXXX XXXX was ever under any circumstances properly told about the interest rate that this card carried and the terms in which we were agreeing to. We would have never agreed to this card had that terms of this card been fully explained to both us and we would see and sign off on it which we did not. We were not aware that this was the account listed on our credit file which was charged off in question after all this time. We believed that this card was paid off and closed which is the reason why I have filed several complaints as to why it was reporting negative to our credit file. I was told that as long as monthly payments were made that NO interest would incur. I nor XXXX XXXX never knowingly agreed to or signed any agreement electronically or non-electronically whatsoever with an interest rate of 26.99 % on a healthcare credit card if the balance wasnt paid in full during a promotional period. I nor XXXX XXXX was not adequately informed about and did not understand ( a ) that I/we would owe interest on my account if the balance was not paid in full by the end of the promotional period ; ( b ) My interest rate ; or ( c ) that interest accrues on my balance during the promotional period starting from the date of my purchase. This account has now been sold to collections agency and is having a very negative affect on our credit files and on our lives. I am prepared to take whatever legal action necessary and if needed file fraud charges against Synchrony Bank, XXXX XXXX, and the collections agency it was sold to XXXX XXXX if this is matter is not taken care of.Furthermore no copy of our signatures on the terms and agreement have been supplied. I was sent copy of account being approved. I have had accounts approved in the past but if the terms and conditions were not to my liking I would not sign or agree to it. There was no XXXX copy of agreement of terms and conditions with XXXX XXXX and myself sent to us. We also never received a claim form in regards to the lawsuit that was filed against GE/CARECREDIT. Also in this letter they stated they received disputes electronically starting only this year. It is reporting to XXXX and XXXX but not XXXX. I have requested that XXXX  send me copies of any dispute results I have made within the past 24-36 months because of this deception and fraud. The detailed transaction history attached is very vague because I do not know where these transactions occurred or how they occurred. What are they for? No healthcare provider can fill out application for credit for any patient at all whatsoever. I trusted the oral words of healthcare provider who stated if you make monthly payments you will NOT be charged interest on this account.
On XXXX XXXX, 2015, Nationstar Mortgage notifed me indicating that I owe hazard insurance for tthe property located in XXXX, TN. I pay my hazard insurance and taxes independent of an escrow account. I have attempted, several time, to contact NationStar Mortgage to resolve the issue ; however there has been no resolution and Nationstar has placed an additional insurance on the loan account charging me extra for the insurance and indicating I have a negative balance since I was not paying for the insurance. Please see all the attached documentation submitted to NationStar Mortgage. I have sumitted my certificate of insurance several times to NationStar Mortgage. I want Nationstar to remove the addtional insurance from my loan account and refund me any monies due.
I am a XXXX Veteran living out side the Untied States in XXXX XXXX I have paid for the Services of Experian Credit Report and noticed a few Items that are not mine I have called the Experian and was told to mail it in I asked for a fax number because they dont have regular mail here and I refuse to pay XXXX dollars for XXXX .I was told they could not provide me a fax number and those items would stay on my credit report. this Is not fair to me as a Veteran of this Country. I am a U.S Citzen but feel like a am a Undocumented Citzen.
BYL is listed on my credit file as an unpaid debt. I have no idea what this is for, and they have never sent me anything. This is unfair collection tactics to just place something on someones credit file without verifying if the debt is valid. I want this removed from my credit file. They are causing me financial harm because I am trying to refinance my home. Their tactics are deceptive by never contacting me before putting something on my file that is not mine.
I never sign up, fill out any application or request any mortgage assistance from XXXX XXXX . this company is shown up on my report with out consent. I have sent a letter on XX/XX/2017 requesting that inquire to be remove from my Equifax . this company is listed as a Miscellaneous Reptg agencies with no number address to be able to request proof of signature  that authorization was given to pull report