WillisBack/dataset-financial-user-claim huggingface dataset:
Plaza Services opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since    XXXX   XXXX      a mysterious payment from Plaza Services appeared as a collection on my  XXXX  report. I check all my physical mail and email, I never had any collections or payments due to "   XXXX   XXXX   XXXX   '' which is the company Plaza Services claims they are representing. I decided to call Plaza Services, calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN just  to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with   XXXX   XXXX   XXXX  , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called   XXXX   XXXX   XXXX   to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.
XX/XX/2013 we traded in the vehicle financed by XXXX for another vehicle through XXXX XXXX XXXX. Our credit report is stating that we were late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2013. It further states that this account was charged off when in fact it was paid in full. I spoke with XXXX in detail and wrote a letter the dispute department to them stating all of this and providing them with a copy of our Retail Installment Sale Contract dated XX/XX/2013. XXXX claimed they didn't get paid until XX/XX/2013 from XXXX XXXX XXXX and therefore what they have reported to the credit bureaus ( s ) stand.
Equifax mishandled my information, allowing for a security breach that leaves me vulnerable to identity theft. According to their website, www.equifaxsecurity2017.com, I am a potential victim of the breach, and I would like to see a resolution as soon as possible.
I filed grievance with the federal agencies regarding the transaction of note with my servicer. They never addressed the mortgage broker fraud and appraisal fraud and the many regulatory and statutory issues that I submitted for their review. All they did was state, they serviced the mortgage properly and any issues with the transaction of the mortgage is to go back to my home builder. My home builder did not do the mortgage which they are servicing as an agent of the mortgage holder. Now they sent a letter of intent to foreclose. They never addressed one issue that I raised regarding my transaction of the mortgage. They failed and refused to do so. As a consumer using the grievance process to try and resolve with them has failed do to their refusal to even address one issue I raised. I have now sent copies of my letter attached to my State Attorney office and the banking regulatory agency of my state for help. I also sent letter to HUD and FTC and CPFB and Office of the Comptroller of the Currency. Hopefully these agencies will be involved to help me as a consumer regarding these serious issues raised and to be addressed to me as a consumer.
I obtained my credit reports on line. There we re a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.   <P/> My inquiry   to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed none of the Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
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The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).
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Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
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Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
XXXX I use discover card to get XXXX tickets they cancel they won't put credit back on card please help me thank you XXXX Arkansas XXXX that's my address call me
XXXX is reporting 2 credit card accounts as " Card Over Limit ''. One of  these is a XXXX XXXX  and the other is a XXXX XXXX XXXX. I have contacted both XXXX and XXXX XXXX  and both of these banks have told me that neither card is " Over Limit ''. Both cards are currently at their limit, but not " Over Limit '' and both banks have told me they are not reporting the cards as " Over Limit ''. My credit score has crashed from XXXX to XXXX in the last 30 days. I have contacted XXXX and they are doing nothing to correct these errors.
COMPLAINT ABO UT CITIBANK PROMOTION - FA LSE ADVERTISING/SCAM Please see attached proof from the bank er (   XXXX   ) ind icating the account she opened for me - did qualify for the promotion and I would get paid the  XXXX  on  XXXX   XXXX  /17, as th e promo stated.       I* have attached correspondence from  CITI a nd myself for your perusal along with the advertisement from the bank The promotion was for  XXXX  - I deposited $  XXXX  had the banker told me she could not honor the promotion without opening a checking account - I would have told her to open a checking account and deposit  XXXX  into the checking account and leave the remaining  XXXX  in the savings account. that IS A NO BRAINER - SHE DID NOT SAY THAT AND SIMPLY SAID I DO NOT HAVE TO AND GAVE ME THE CONFIRMATION. I AM UNABLE TO SCAN THE DOCUMENTS, SO I AM GOING TO FAX IT OVER TO YOU Thank you
STELLAR RECOVERY had originally reported a false account on my credit back in XX/XX/XXXX. I had notified both them and XXXX back in XX/XX/XXXXthat this debt was not mine and that the name and address used to open this account were not mine either. This was removed off my credit report eventually. However it appears that Stellar may have sold this debt to XXXX XXXX XXXX Who are now trying to collect the same debt. I am now having to file a 2nd police report and submitting other forms of documents to prove once again that I am not the person who opened this account.
I purchased my vehicle 4 years ago for XXXX and every year the balance never changes and the balance remains the same. Santander USA over the top interest rates make it impossible for any principle to be paid. This can't be lawful and throughout my economic hardship they have refused to lower the interest. Please help me
Collection firm purchased debt in 2008. Date of XXXX delinquency and reporting date was XXXX 2008. XXXX year credit reporting expiration should have been XXXX XXXX. I have recently checked credit to see the dates have been changed to XXXX with 7 year expiration moved to XXXX XXXX. I have had no direct contact with Asset Acceptance nor have I done anything or received information that would have moved or changed any aging on this account. I have previously asked multiple times ( in writing, certified letter ) for a full debt validation, including original dates, etc. They provide a very generic form which is not a validation, but rather a verification that my name is listed on the debt. This is causing continued damage to my credit. What they are doing is illegal under the FDCPA
I have tried multiple times to resolve this problem with Investors Bank and the problem just continues. Last complaint the Vice President of Mortgage XXXX XXXX overnighted a bunch of statement printout 's that we never received one of them. We also are not able to access any statement information from Investors Bank Website. We rely entirely on Investors website to provide accurate information on our loans and to date they have not done this. I have been reaching out to XXXX XXXX for over a year, at times she has passed the work on to someone in the department who should n't have been responsible for the problem. We have a bi-weekly mortgage and Investors has been paid 26 payments up to date, one payment was accidentally applied back in the Summer to a home equity loan. This triggered a late payment on the Bi-weekly payment, I contacted Investors multiple times and asked them to fix it. They did n't fix it and they did n't respond correctly to the problem. If they had fixed it properly when this happened, it would never have started this chain of events. To date when I log into Investors website, I see some ridiculous amount of money being owed. There is no way this information is correct because of the amount of payments Investors has received. We also seem to have a problem were Investors does n't seem to know how to verify the house is insured. They are named as a mortgagee on the policy and very easily can verify insurance with the same insurance company for the past five years. Instead we are sent threatening letters about insurance on the house and threatening letters regarding the payments on this account. Last letter I received two weeks ago said we were months past due on mortgage and they could take collection action. This information is incorrect and they should n't be sending letters like that. I really do n't know what to do about this problem because we have tried to resolve it with Investors multiple times, specifically with XXXX XXXX and also with this company. This Vice President mailing multiple years worth of statements we never received is clearly unacceptable, it just shows an attempt of Investors to continue their dishonest behavior.
XXXX {$790.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XXXX/XXXX/2016 please remove accounts from my credit report.
I applied for a FHA/HUD loan with SWBC Mortgage, XXXX, TN. I submitted all paperwork and documentation to receive a pre-approval, GFE, and loan was sent to underwriting after submitting a letters and other documents to processor. I was called on XX/XX/XXXX by loan officer XXXX XXXX and was told that loan was denied because of statement in letter regarding " why '' I amended XX/XX/XXXX taxes. I stated it was the request of a former lender ( XXXX ) in which I did not close on foreclosed home. I scheduled a meeting with XXXX and his supervisor. I was informed that I was committing fraud and falsifying documents. I informed SWBC I did nothing wrong. I do not know anything about their industry as I am ignorant to the lender/mortgage industry. I 'm working on becoming a XXXX time homeowner. I did what the lender requested of me. I asked that they call FHA/HUD while in their presence to verify what was stated and amendment of taxes is illegal and verifiable reason for loan denial. Unfortunately, XXXX ( FHA/HUD customer service line ) stated only an underwriter can speak with HUD underwriters to get the information. Also, I requested the SWBC 's underwriter to send me documentation of the information as I may have to retain an attorney due to the implications of fraud ( me and/or lender ). I was told by XXXX supervisor that XXXX underwriters of SWBC have denied the loan. I 'm still awaiting the denial letter from SWBC Mortgage and the information from the underwriter that verifies I have committed fraud via FHA/HUD policies and they have the right to deny me the loan.
why is my home loan not showing up on my account? 
where is my irs mortgage interest statement? 
how much were my taxes and when were they paid? 
when did my impound account increase and I was n't notified by letter? 
I have not received forms for the IRS yet and it 's XX/XX/XXXX? 
I need to get my income taxes completed ... ....
U.S Postal Certified Mail No : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX : ExperianXXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX 2015RE XXXX XXXX - REQUEST FOR PROOF OF CLAIMXXXX XXXX SSN # XXXXAccount # - XXXX XXXXYou are hereby ordered to CEASE AND DESIST to include, all phone calls and credit bureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federal statues, Fair Debt Collections Practices Act, XXXX Debt Collections Practices Act, Fair Credit Reporting Act, RCW XXXX, RCW XXXX and XXXX UCC XXXX ( b ) XXXX, XXXX XXXX, Title XXXX XXXX XXXX and Dodd-Frank Act, regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions :
Ive gone online and called capital one about refinancing after 15 months of 12.12 % paying on time. I feel I should be entitled to a lower interest rate and if capital one wants to keep the consumer work with them! They say as long as your their customer already they wont refinance! I find it absurd and almost discrimination they are getting low credit score people at high interest rates and saying to bad for you!!
I am refusing to pay the $ XXXX.I am requesting the the {$9.00} be reversed and credit to the account asap.I did n't know the check was fake or counterfuit.I am not paying the account ending in XXXX.I never received my check book wallet I ordered.I am unable to use the checks due to the account being closed and I did n't authorized TMOBILE TO G INTO MY go into account.I told them to stop all payments transactions.I told them to cancel all orders.I told them I did n't want to use my account anymore for payment.I am requesting these charges be reversed and brought to a XXXX balanced.Wells Fargo praticesare vert manipulative and deceiving.They ended my banking history over a conterfuit check ididnt write or deposit into my account.I did n't deposit that check into my account.A scam artist who I through was a real true private lender. 
I am requesting a full investigation into evil wicked unprofessional non sensitivity pratices of Wells Fargo.I am a very progressive law student who is very aggressive about corporation respecting and honoring their customers.I am going to give you 30 days to fix this very important matter.If it is n't fix.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.If I am on XXXX.I am requesting to be taken off immediately.This is a complete violation of the Fair Debt Collection Act and The Fair Debt Reporting Act.I will also be filing a complaint with the Federal Trade Commission.I am asking for the a internal investigation.
Aurora Loan Services has ruined my life. I have never been able to recover financially after they foreclosed on my property. Like many Americans, I lost my job in XX/XX/XXXX and had no income coming in. I tried working out many options with Aurora Loans. However their reps told me that I would never qualify for any of their programs because I had no job. They advised that I enroll in their forbearance program in order to give me time to get a job and keep my house. I was unaware that the money I was going to pay was not being applied to my interest only mortgage. One a representative told me that they were holding my money I backed out of the account. They were setting me up for foreclosure and not applying any of my money. They began charging a Preservation Fee and various other bogus fees were added. They called me non stop. One representative told me that if I was in Bankruptcy that they could n't foreclose. So I lowed their advise, I filed Bankruptcy just to prevent a foreclosure. As soon as the BK was discharged they demanded money and began foreclosure. They would never tell me where money was applied or how it was held. I filed a complaint with the XXXX in XX/XX/XXXX because I did n't know what to do. That did n't help. I plan to provide documentation to show their unfair collection practices and how they did not apply my money when it was sent in. I have XXXX different Account History printouts from the with the same dates and they do not match. Aurora Loan Services set me up and took my all money. Once I paid them their demands, all money was applied to interest. I will provide a copy of the check I sent and you will see that it does n't even show on my account history. I want some justice. I have been done wrong.
Yesterday, a fellow from Citibank called to tell me of an overdue bill and a late charge from XXXX. I told him there was a problem with paying it since I havent had a XXXX card since XXXX and have never had a Citibank account.. He advised me that my problem was with XXXX. Citibank transferred my call to XXXX.XXXX had no record of my existence, and the only other way the rep could locate the invoice required the number on my membership card. So, if my nonexistent card were unavailable, the only way to resolve this dispute was to reason with Citibank.

Today, I received an email from Citibank/XXXX advising me that on my account # ending in XXXX, " You've got {$2.00} cash back on your XXXX reward certificate waiting for you. '' XXXX has not sent me a card in year, nor to my knowledge, have I ever paid an annual fee. Citibank does send advertising literature, but not billing statements. A payment I made on an existing balance was transferred to XXXX XXXX years ago.
I have written he MO bankruptcy courts about why the credit report agencies are reporting my bankruptcies. I have sent a letter to all three credit bureaus by certified mailed and they recived them on XX/XX/2018. to remove these public records of banrupticies, they have not responded nor removed them from my credit report. I want them removed immediately it is my right.
I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted XXXX  through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. XXXX declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) XXXX has reason to determine that you have requested the block in error ; b ) XXXX  has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a XXXX  XXXX and should not be going through this. 


I will once more supply XXXX  with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a XXXX  XXXX.
XXXX provides me with XXXX and other medical products and services. I am covered by medicare and I carry a medicare supplement to cover all co-pays, etc. I am XXXX % insured. XXXX claims unpaid balances from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They never asked me for payment. My first notice of this was thru the collection agency letter ( attached ) which arrived on XX/XX/XXXX. State Collection infers the possibility of referring my name to a credit bureau if I do not pay these amounts. I have spoken to Medicare and found that the only XX/XX/XXXX claim was paid in full on XXXX/XXXX/2014 and forwarded to XXXX XXXX XXXX XXXX for payment of the patient responsibility portion. XXXX claims that the XX/XX/XXXX and the XX/XX/XXXX bills were duplicate billings and were denied.