WillisBack/dataset-financial-user-claim huggingface dataset:
They will not validate said they filed suit with court and Was very aggressive And I called the court and no suit Was filed
I have been in the USA since XX/XX/XXXX as an XXXX. I applied for my 3 free credit reports on XX/XX/XXXX and received from XXXX  and XXXX with no issues. I received none from Equifax and was asked to submit a written request with proof of address and ID, which I did on XX/XX/XXXX using my SSN and driver 's license in colored copies. I have now received a letter, which I'll attach, saying I should submit the same documents because I was not found in their database. 
I have applied for refinancing and was denied, I will apply for a loan for school shortly and I'm worried about the interest rate or being denied if they use Equifax as their credit reporting agency. If my information is available and accurate for the other 2 agencies, and one said they've been monitoring me since the day I arrived, why can't Equifax find it?
i keep getting calls about a debt for someone who i dont know. Ive had the same phone # for XXXXyears, ive explained this to the callers which are numerous but they continue to call. Ive done tickets on other callers with this system. It seems however that once CFPB gets XXXX to stop calling they sell that debt to another collector who then sees my number and this starts all over again.
In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.
Houston finance has been paid off and closed since 2012 and I disputed this account with the credit bureaus and it came back as reported accurate. This account is reporting that it 's 120 days past due and that is impossible if it 's paid off not to mention it was never to the 120 days late. This account is affecting of my credit report and credit rating by inaccurately reporting the status as 120 days late.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
On 2 separate occasions during XX/XX/2018, agents ( different employees ) from Citibank Fraud Services on behalf of Sears Card contacted the " Name of Nearest Relative Not Living With You '' in a ruse to compel the third party to take exogent actions disruptiive to their daily activities and/or risk breaching confidentiality by divulging information they would not normally not divulge about my whereabouts/contact information. This had the effect of causing my elderly parents to worry for my safety and/or construe that I was in financial distress as if mismanaging my financial affairs, above & beyond breaching my wife 's and my privacy. 

Note neither action was incident to collecting a debt from me but rather incident solely to reduce Citi 's  internal cost of business by ferreting out suspected out-of-pattern behavior as potentially fraudulent For such, I have no issue whatsoever when I am contacted personally at my home, place of work. mobile number, SMS text, email, in accordance with the disclosed terms and conditions. I consider that and our credit relationship to be mutually constructive as stipulated and will gladly cooperate. 

However, I do not recall consenting to providing reference information purposed not incident to collecting a debt pursuant to our creditor/debtor relationship, and feel that Citi breached our trust in grossly over-stepping here not only violating my rights but panicking an elderly woman in her XXXX 's through no fault of her own. 

Is Citi within its rights to " skip trace '' debtors unrelated to collecting a debt pursuant to the debtor/creditor agreement? ''
Filled out application online for cheap car loans .. XXXX companies did a credit check without asking my approval.
Ocwen is a Servicer on this loan. Loan # XXXX. Borrower XXXX XXXX. Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX. We are in the process of negotiating a short sale on the property, Ocwen presented a counter offer, I have submitted documents from the buyer accepting their counter offer at Fair Market Value. On Friday assign negotiator told me that postponement of trustee sale scheduled for XXXX/XXXX/16 has been approved and we are just waiting to find out when is TS is rescheduled for. Today Ocwen notified me that postponement has been denied. This is a double trucking and violation of CA XXXX of rights. Please help to stop TS so we can complete Short Sale. My phone number is XXXX. Thank you!
Navient enrolled me into an income based program over the phone. The program required automatic payments to be enrolled in the program. ( which I agreed to ) The program also granted me a forbearance for the time I was being enrolled into the program so that I would not be considered delinquent. ( when I enrolled in the program, I was not delinquent ) On the phone, Navient asked when I would like for my payment to be drafted. I requested for the payment to be drafted when my deposit hit the bank. On the phone, Navient said I would be fully qualified for the program after 3 successful payments. I said that was fine, being that the money will be automatically drafted. After the first payment was drafted, I found out they reported that I was delinquent and I did n't make a full payment. I was never told that the automatic payment would not be considered a full payment, nor did they ask me to pay the full payment ( which I was able to do at the time ) I also should not have been deemed delinquent because I was granted the forbearance for 3 months. Navient told me it took 3 months to process my forbearance which was why I was reported delinquent and they will not go back and change anything reported. I have had several forbearance with Navient in the past and it never took 3 months to process. Also, what is the point in granting a forbearance yet still reporting me delinquent? I have written several letters to get this resolved and called several times and they refuse to correct my credit report even though they took my money, never properly explained the enrollment process and refuse to honor the forbearance they granted me. This incident is preventing me from obtaining other loans and having a great credit standing.
1. Complaint XXXX submitted 2. I have attempted to call the single point of contact and that individuals manager every day for the past week. There have been no return calls or messages left for me. 
3. On XXXX XXXX I left a long detailed voice mail for the manager of my single point of contact informing them of the following : A ) The sale of the house appears to be moving forward, however, the buyer is forcing us to close by XXXX XXXX and we are going to do everything we can to meet that time frame. 
B ). Buyer completed their house inspection and that revealed an inoperable condition with respect to damage under the house. We are attempting to work through that issue. 
C ). We will ask for a payoff letter. 
D ). I asked for the courtesy of a return call so I could discuss the issue and understand options. 
4. Instead of talking with me, ditech took that information, sent it to an attorney and had them send a notice that they would foreclose. This is unconscionable and if this notice is discovered by the buyer the sale could be off. This is after making offers to continue a payment plan and making an offer last month to purchase the note - ALL OF WHICH HAVE BEEN IGNORED. No phone calls. 
5. One of the primary Borrower 's, XXXX XXXX XXXX, died on in the past two weeks. The other has scheduled XXXX within a month. We have proactively worked with ditech throughout the process to get the loan repaid with a goal that the borrowers would at least have a small amount of money for medical expenses and to live on. The remaining Borrower, XXXX XXXX, is faced with those costs and a reduced income as her survivor social security benefits result in reduced income. 
6. And ditech believes that this is the right time to send the foreclosure notice?!
Over the past 4 months I have made several disputes with XXXX & Experian regarding fraudulent accounts being reported on my Experian/XXXX Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The accounts in question are XXXX XXXX XXXX ( {$620.00} ), XXXX XXXX ( {$590.00} ), XXXX XXXX XXXX ( {$520.00} ), XXXX XXXX XXXX ( {$150.00} ), XXXX  XXXX XXXX ( {$140.00} ), XXXX XXXX XXXX ( {$40.00} ), XXXX XXXX XXXX ( {$38.00} ) .Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from XXXX & Experian proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP P.S Why is XXXX XXXX XXXX and XXXX XXXX services showing up twice on my credit report?
My bank account is frozen and I was never notified of a court datefrom the debt collection company or from the bank and they are refusing to send me any copied of the paperwork from either company
i have been receiving an extra charge every year recently from seterus company. last year i just paid the extra amount they requested, but this year they sent me a bill in the amount of {$2600.00} (? ), i called them few times and each time they gave me a different answers, like the first time they said i missed a payment in XXXX, then i missed a payment in XXXX, then XXXX, and so on, and each time i ask them foe what month i missed the payment, they never tell me, and when i request a history of my payments on the loan, the sent me a paper for re modification instead.my last call i spoke with the supervisor and she said that the issue started on XXXX of XXXX, when i made an early payment it went to the principal instead as a loan payment, and late fees started since than till present. 
the supervisor suggested that i send a plea request to the heard quarter of seterus and ask them to reverse the 5 payment that i made early and reinstate them as a loan payment and remove the late fees since it was not my fault. 
i did send a request and they denied my request and they keep suggested that i re modify the loan. 
i truly need your help of what to do or to resolve the issues with them knowing that it was there fault and they are trying to make me refinance. 
they are a lot to say, nut i am trying to keep it short and hopefully i will explain more when you respond to my request. 
thank you. XXXX XXXX
carrington mortgage the servicer apparently hired a company named XXXX XXXX in Massachusetts who taped a letter to my door that was not placed in and envelope that displayed my my mortgage account number and another duplicate notice was picked up near the street not in and envelope with my account information.the letter stated XXXX XXXX has apparently been hired by Carrington Mortgage because borrower was not responding .THAT IS UNTRUE AND A FLAT OUT LIE!! borrower rep HAVE BEEN IN CONTACT WITH CARRINGTON .i have definitive proof and evidence to the contrary of what is stated in XXXX XXXX letter/ Carringtonhas been contacted BY PHONE EMAIL AND CERTIFIED MAIL .XXXX   XXXX HAS ALSO TRESSPASSED ON MY REAL PERSONAL PROPERTY WHERE IT IS CLEARLY MARKED AND SIGNED NO TRESSPASSING .THERE IS ALSO A NO TRESSPASSING SIGNED CLEARLY MARKED ADJACENT TO THE DOOR WHERE APPARENTLY SOMEONE WORKING FOR XXXX   XXXX ILLEGALLY ENTERED PROPERTY AND TAPED ONE OF THE MESSAGES, CARRINGTON ALSO HAS A MAILING ADDRESS THAT THEY WERE INFORMED OF VA CERTIFIED MAIL BACK IN XX/XX/XXXX.BORROWER ALSO LIFTED CEASE AND DESIST FOR CARRINGTON WEEKS AGO FOR PURPOSE OF NON COLLECTION MATTERS TO DO WITH ACCOUNT, THIS IS BECOMING HARRASSMENT AND ILLEGAL FORECLOSURE METHODS TO DO WITH PRIOR COMPLAINT THAT CENTERED AROUND RIGHT TO CURE .THESE TACTICS ARE GOING TO LAND THESE 2 ENTITIES INTO SUPERIOR COURT INJUNCTIVE HEARING REGARDING OTHER ASPECTS OF THIS CASE REGSRDING ILLEGAL FORECLOSURE AND CRIMINAL TRESSPASS ON REAL PROPERTY.THEY KEEP SAYING THEY WANT TO WORK THINGS OUT BUT APPLY PRESSURE IN THESE WAYS DESCRIBED AND RARELY ANSWER COMPLETLY BORROWER CONCERNS
360 Mortg age  Company has  fraudulently used my name and also has committed Identity Theft by claiming they were me. My new insurance company   XXXX   XXXX   which I 've had sine   XXXX   XXXX    2017. stat ed someone called and authorized changes on my insurance account. The changes were to change my personal information and begin sending all correspondence and billing documents to them. I also received a refund of my monthly payment and a letter of closing my payment plan account which I opened. The   XXXX   XXXX   representative  XXXX  out of the  XXXX  IL office and she confirmed the Mortage com pany 360 Mort gage made changes to the account. I was on my  XXXX   XXXX  online account and witness the changes that were made without my consent. The representative also stated that the  XXXX   XXXX  Agent  XXXX   XXXX  was the only individual who could authorize changes to my account. This is an invasion of privacy concerning the  Information Privacy Act and shows  an intent to practice fraudulent and deceptive business claims. The representative  XXXX  also stated that my phone number was verified by the  360 Mortgage   Company.  The phone number that was used has not been in service for years. I do believe  XXXX   XXXX  didi not know the details of  what 360 Mortg age was internally practicing.
Demanding A Credit Bureau Investigate Confirmation # XXXX To Whom It May Concern : I recently submitted a request for investigation of the following Acct Numbers : XXXX XXXX BAL. {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BAL. XXXX These account have not been verified accurate please delete. These XXXX accounts are in dispute with the original creditor error please delete accounts. 
All of these accounts which you DECLINED. I sent info for XXXX or agent of XXXX to carry out a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. If you had investigated it completely, no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine - though your company claims to have " verified '' this. XXXX vs. 
XXXX, XXXX vs. XXXX ( XXXX ), and XXXX vs. XXXX, Equifax, et al, the courts ruled each and every time that the CRA could n't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Getting my XXXX degree was the biggest mistake of my life. I never would have taken out a single loan if I had known that XXXX XXXX was going out of it 's way to to make XXXX mortgages which were obviously going to be defaulted on and selling them and other credit default swaps which was an obvious time bomb for the economy. I never would have taken out loans if I knew that the bought and paid for politicians from both parties had pushed through legislation making it impossible for me to discharge student loans in bankruptcy while I was already at school and too busy studying to notice. I never would have agreed to be a debt slave to the companies that got off scot free for blowing up the world 's economy and destroying my job prospects and lifetime earning potential in the process. When I signed for these loans the average starting salary in my field was $ 60k. When I graduated right after my lenders trashed the economy I could n't find work in my field for 3 years and when I did I started at closer to $ 40k. Studies have shown I can expect to hang on to that decrease in earnings for at least 20 years while suffering from longer periods of unemployment. XXXX : XXXX I have absolutely no more drive, hope, or ambition. I worked hard did well and got XXXX for my trouble, American Dream my XXXX. I hate everything about this rigged corrupt country. I honestly hope XXXX XXXX or some other country does manage to XXXX us.
On XX/XX/XXXX I ordered from XXXX XXXX XXXX XXXX XXXX XXXX Denim Jacket size small color midnight Blue item # XXXX order # XXXX I never received my jacket. from XXXX XXXX XXXX.
1. I filed a complaint with the Federal Trade Commission in XX/XX/XXXX reference # XXXX & XXXX 2. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that I received the XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX item XXXX Denim Jacket Midnight Blue size small re Account # XXXX stating I would be re billed for the jacket I filed a complaint with CFPB ON XX/XX/XXXX / Complaint ID # XXXX  & Federal Trade Commission reference # XXXX 3. I emailed XXXX XXXX XXXX on XX/XX/XXXX and submitted document stating that I never received the item # XXXX XXXX XXXX XXXX " XXXX XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX XXXX XXXX XXXX Denim  Jacket order number # XXXX and I sent XXXX XXXX a Copy of the Police Report from the City of XXXX, CA Po
lice Department
THIS IS NOT A DUPLICATE ... 

I have been trying to get Experian the information they are saying to be more specific about AND ... They have now locked me out of my account ... So I can not get the account numbers. I want someone from Experian to call me ASAP. How do we let people like this keep ruining peoples life 's? I Have XXXX bankruptcy on my file..Not sure how they do n't know what I 'm talking about?
On XX/XX/2016 I submitted an {$1800.00} payment to Loancare to be drafted from my checking account. After learning it had not been deducted from my checking account I called LoanCare to check the status. The XXXX told me it takes XXXX business days to draft and it should be fine. Finally, the payment still had not been drafted so I went on the website and contacted Loancare. They told me my account number was wrong (! ) and I was assessed a {$30.00} NSF fee. I explained the history and they said too bad you have to pay the fee. They also indicated that they tried to call me and email me which was a blatant lie as I have both voicemail and fully functional email. They also charged a {$5.00} payment fee to resubmit another online payment. This is a VA Mortgage which when notified did not concern them.
XXXX XXXX # XXXX is using an INTIMIDATION tactic by placing this account on my credit reports, I do NOT have any signed contracts with XXXX XXXX OR their client. I do NOT owe {$750.00} and I do NOT have 1 month terms and I DID NOT open an account with my signature OR their client. XXXX does NOT have my signature at ALL This intimidation tactic is ILLEGAL and the last time I checked, they WERE NOT allowed to place anything on ANYBODY 'S credit report. This needs to be DELETED immediately before I file my lawsuit!
I have been contacted by GC Services Limited Partnership regarding student loan acct # XXXX. They are looking for someone with my same first and last name but this is not my debt. I told them as much twice over the phone and also wrote it on their bill voucher which I mailed back twice. 
In the late 1990s this exact thing happened to me, for a student loan debt for XXXX XXXX XXXX in XXXX XXXX. I never attended this school and have never lived in XXXX California. It took years of effort to clean this mistake off my credit report and I 'm concerned someone new purchased this debt and will do it all over again.
Synchrony Bank Amazon Prime Credit Card is outside the norm when it comes to processing payments by check. Every other credit company takes at least 24 hours to process a check payment - including many Synchrony accounts. I schedule my payments 24 hours before my pay is direct deposited to ensure that the money is withdrawn on the day I am paid. Synchrony Bank Amazon Credit Card processes the transfer the same day so that the payment processes 24 hours earlier than normal. This month ( XXXX 2016 ), I scheduled my payment of {$130.00} on the Amazon Prime Store Card for XXXX XXXX so the funds would be withdrawn on XXXX XXXX. The funds were withdrawn on XXXX XXXX instead. This led me to be charged a {$34.00} fee by my bank as my payment was turned back. I will probably also be charged a fee by Amazon Prime Store Card Synchrony Bank for a total of approximately {$70.00}. There is no visible notice on the Amazon Prime Store Card Synchrony Bank payment website about this anomolous practice. I would like any fees I incur as a result of this practice - from both my bank and Synchrony Bank Amazon Card - refunded by Synchrony Bank. Synchrony Bank Amazon Prime Card should also be required to change its practice to be in line with other financial institutions - or be required to prominently post this anomolous practice on its payment website. Finally, unlike other companies with interest free promotions, Synchrony Amazon Credit Card does not automatically post payments to its 0 % promotional balances - customers must actively change. Those customers who are not tech savvy will find themselves paying interest on promotional balances because they may not realize they must change how the payment is allocated or may not be able to figure out how to do so.
To whom it may concern, I XXXX XXXX am i single mother, i have been attempting to get some resolution to my hardship for about two years now. I have done everything on my hands to save my home, wells fargo only is delaying my process by asking me for documents every time i call. I called in on late XXXX 2015 and was told to submit my package as soon as possible, so i did my package was confirm receipt on XXXX XXXX 2015.i was told that my documents were received by a team called exception team. But unfortunately they were never looked at their excuse was that because they were in the process of closing out my old workout they pretty much ignored my new package. They hand plenty of time to review at that time, i never received a courtesy call advising me of such event, i started communicating with that department more and more but i am not getting anywhere. They keep asking me for information that i have already sent them claiming that they cant postponed until i send in the information this is the third time i sent everything they seemed to not care and know my situation. They have been just wasting my time i think they want me to loose my home, they have not reviewed my current situation all they say is to allow them 72 hours today is XXXX XXXX 2015 and we do n't have 72 hours. They are not sending me any correspondence advising me of the status, i am just tired of this situation. I am getting to the point where i will be obligated to seek other resolution like litigation or bankruptcy.Wells Fargo has violated my rights as a home owner, i am requesting for them to postponed my sale date to allow them time to review my current situation since it has change they just have n't realized because of minimum since of urgency on their behalf.