WillisBack/dataset-financial-user-claim huggingface dataset:
I wrote and mailed a dispute letter to Equifax delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Equifax customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information provided. The representative said they mailed out my results on XXXX and i had to wait. I reached out to Equifax again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait for it to arrive. After attempting to work with Equifax on several occasions, being denied on multiple occasions, my next step is to start litigation against them.
While reviewing my credit card charges I found 2 unautorized charges which I had never made under the name google electronics. Each charge was on the amount of XXXX $ CDL. I had contacted my credit card company and they cancelled my card and ordered a new one. After cancelling my card someone was still trying to buy with him through google. I contact google to claim a refund for those unautorized charges. Google claimed that also those charges didnt came from my account they wont refund my money back because it was autorized. They refused to give me any information regarding who made those charges which are also not showing in my google account. Im still waiting for refund from my credit card company.
Credit Protection Asso, for XXXX/XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017, also a Complaint was sent to Florida Office of Regulation because Credit Protection Asso, is NOT licensed in the State of Florida to Collect such debt. No response has been made to the complaint. This debt is reporting FALSE information on the following credit agencies, XXXX, XXXX and XXXX. Reporting in the amount of {$560.00}. This is a Violation of the FRCA.
I am currently enrolled in Discover Student Loan system. 
When I signed up, I was aware that I have grace period of 6 months after estimated graduating ( to find a job to start repayment ). However, As soon as 1 year mark ( which I was enrolled in school, when I did n't have to pay back ), I got a notification from XXXX, collector saying my first bill was due this month. I have n't finished my degree, therefore, I 'm still a XXXX student, and I can barely get my ends meet. And couple days ago, I heard that Discover was fined and as I was reading through, I found that I have to contact CFPB.
I have a student loan with Navient. I had some XXXX loans in XX/XX/2010 which Navient took over. I consolidated the loans to help with lower payments. Navient said that one loan was XXXX but it was a private loan. and I could not consolidate it. It is in the amount of {$19000.00}. plus. I offered a down payment of XXXX if they could make the payment at {$100.00} a month. 
They want XXXX down payment. I am supporting my Grandmother who has been ill and out of work. The house went into foreclosure and I had to help save our home. I am just starting a full time job but I need some time to get caught up. I ca n't take out another loan as I ca n't afford another payment. Navient is threatening garnishment of my wages which I ca n't afford. They have hard to deal with always. They did n't tell me the other loans had been paid off when they were and they have n't explained what this private loan ( which is a XXXX loan ) is and they have locked me out of any internet interaction with them..
This will be the fifth complaint against CALIBER HOME LOANS, INC., that has been submitted with CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The other XXXX CFPB complaints that have already been submitted to CFPB in the last twenty ( 20 ) days are XXXX, XXXX, XXXX, and XXXX. These XXXX ( XXXX ) prior complaints against CALIBER HOME LOANS, INC., has been and continues to be about the same subject matter. 
XXXX XXXX XXXX passed away on or about XXXX XXXX, XXXX. There was a BARGAIN & SALE DEED filed and recorded with the XXXX XXXX RECORDS & LICENSES OFFICE as XXXX or XXXX, which the rights of survivorship went to XXXX XXXX XXXX by operation of law because of the BARGAIN AND SALE DEED. XXXX XXXX XXXX got married since then and now goes by XXXX XXXX XXXX XXXX XXXX. 
CALIBER HOME LOANS, INC. then decides to mail a " Notice of Servicing Transfer '' dated XXXX XXXX, XXXX. Immediately after that XXXX XXXX XXXX XXXX XXXX faxes CALIBER HOME LOANS, INC., a " General Power of Attorney '' that instructs clearly to CALIBER HOME LOANS, INC., where to send any and all correspondences, XXXX mail, XXXX, regarding this matter to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. An " Affidavit of Survivorship '' that includes a Certified Copy of XXXX XXXX XXXX 'S DEATH CERTIFICATE as Exhibit " A '' was also faxed and sent to CALIBER HOME LOANS , INC . 
CALIBER HOME LOANS, INC., sent an acknowledgment letters about making the proper adjustments and changes dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX. 
After informing and warning CALIBER HOME LOANS, INC., about FAIR DEBT COLLECTION PRACTICES ACT violations by THEM continuing to harass and XXXX the people who are at XXXX XXXX XXXX XXXX, XXXX, Washington, XXXX mailing address, CALIBER HOME LOANS, INC. mails a " Mortgage Statement '' dated XXXX XXXX, XXXX, after being properly informed and notified on numerous occasions to mail and ship everything only to XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX!!! 
CALIBER HOME LOANS, INC., has also been warned on numerous occasions that the property is not under XXXX XXXX XXXX, nor has it ever transferred to THE ESTATE OF XXXX XXXX XXXX because of the " Rights of Survivorship '' that XXXX XXXX XXXX XXXX received automatically by operation of law, with the evidence of the BARGAIN AND SALE DEED, XXXX XXXX XXXX 'S DEATH CERTIFICATE, and the AFFIDAVIT OF SURVIVORSHIP. ''
On XX/XX/XXXX, I timely returned a leased vehicle to the XXXX Dealership in XXXX, CA ( " Car Pros '' ). The vehicle was XXXX miles UNDER the contractual maximum. An onsite inspection was performed at the direction of XXXX XXXX [ last name omitted ] during which they took the vehicle into their repair/maintenance section for approximately 30 minutes. Mr. [ last name omitted ] returned to me with a " Vehicle Return Receipt, '' which lists the mileage and date of return. We both signed it. He verbally stated the vehicle looks fine, and that they were going to ship it off " for auction. '' As the car was XXXX miles under the allowance, and there were no defects, damage, or noticeable wear given the low mileage, there was no discussion at all about " excessive wear and use. '' In any event, the car DID NOT have " excessive wear or use. '' On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, which has offices in CA and TX, which states " This is an attempt to collect a debt, '' demanding {$480.00} for excessive wear and use. XXXX offered no accounting or evidence of the alleged " excessive '' wear or use. And, as XXXX has had the vehicle in their possession for several weeks, I now have no means to inspect the vehicle myself. 

I find the practice of accepting a vehicle return, doing an inspection at the dealership, providing the return receipt with no mention of a further inspection or evaluation, and then sending a bill for {$480.00} for " excessive use '' to be extremely unfair and vulnerable to fraud and abuse. The consumer is completely at the mercy of the anonymous and unchecked leasing company, which obviously has an interest in charging fees. I am predicting there are other consumers who have encountered this problem. 

I called the XXXX # on the debt collection letter XXXX same as above ), and entered the last four digits of my SS # as requested, and then a recording says " this is an attempt to collect a debt and any information you provide will be used ... '' Eventually a recording told me to call back. I have not yet called back that XXXX # number.
Went to the bank on XX/XX/2016 to cash a check with my account, only to be told my account was being closed. I had a good status with the new account. Now my start to a new year is in a whirlwind and I feel it 's truly uncalled. No one has answers. Just telling me that it was there choice.
Loans in forbearance currently because I was no longer allowed to sign up for income based with my own information. They started requiring my husbands information which he was not ok with. Had to start making regular payments once that was a requirement. Recently had a baby and couldnt afford the higher payments so had to put in forbearance bc no other options available.
I just learned today that the debt collection agency XXXX XXXX XXXX on behalf of Bank of America telephoned my wife in late XXXX XXXX. The collector harassed my wife to the point that she felt forced to pay {$50.00} on the account and has done this in years past to re-age the account. The account is not my wife 's account. It is my account. I never gave my wife authority to pay anything on the account or on behalf. The account is out of statute. Back in XX/XX/XXXX my XXXX son XXXX for months on end. I have not, personally, paid on the Bank of America account for over 5 years. I know the collection of the account is out of statute. Here in Pennsylvania the statute of limitations is four years. I believe it is an unlawful collection practice by XXXX XXXX XXXX to hound a non card holder to make a nominal {$50.00} payment in an attempt to revive the statute of limitations -or any other amount. I believe that XXXX XXXX XXXX should return to my wife the recent {$50.00} payment that they procured by fraud.
I closed My Account With Capital One Credit paid in full Card 6-9 Month ago and cut up the card .now I'm getting reports from capital one in the name of XXXX XXXX stating to Visit the Alerts section of XXXX  from Capital One such as Heads up : A lender reported that the status of your account delinquent Account as well as View your alerts for credit report changes, use of your SSN with a different name or address, or dark web activity associated with your identity.

Stating I Have derogatory status I Paid all Creditor except New mortgage i explain to creditors i need 30-60- days to pay off Car Payment plus all credit card which I did XX/XX/XXXX Email Found on Dark Web XXXX XX/XX/XXXX Breached Site : XXXX Password : Not Exposed Your email has been exposed on the dark web. Don't worry, we'll help you get through this. Before you take action, be sure to review all the information below. 

also Date found on dark web XX/XX/XXXX What should I do? 
You should reset the password for your email account along with any other accounts associated with your email address. Tap on the " Let 's Take Action '' button to learn more about creating strong passwords and checking for signs of fraudulent activity. 
Why am I getting this alert? 
Helping you keep tabs on your personal information is a top priority, so we'll regularly scan the dark web for your SSN and email address. We'll send you an alert if we find your SSN or email somewhere suspicious. Learn more about alerts. 
The only person causing this problem is a company I paid off months ago XXXX XXXX XXXX Account Balance {$25000.00} paid in full XXXX Paid In full as agreed XXXX   XXXX XXXX Account Balance {$25000.00} -- Paid In full as agreed XXXX XXXX XXXX Account Balance {$1700.00} Paid In full as agreed XXXX XXXX XXXX XXXX paid off by new owners New Account XXXX XXXX  XXXX Please correct this Error with this company or Dark Web
Ove my lifetime I have had loans on XXXX homes all of which were paid off in full. My current home does not have a mortgage. I have also have had several credit cards on which I never carried a balance and car loans that were paid in full. Within the last ten years I had credit cards from a hotel chain and XXXX stores. I have since closed all of those accounts. As of now I pay all my household bills with automatic deductions from my debit card and also use the card for purchases. ( Visa XXXX XXXX XXXX XXXX ) My problem is that when I attempt to rent a car my Visa card is denied. I tried to get help from the credit reporting companies with no success. There is obviously something wrong with their reporting system.
I 've personally written numerous letters to this company and all three credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my credit score and my quality of life.
I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for XXXX XXXX XXXX XXXX-XXXX which are XXXX on XXXX, and XXXX on Transunion and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.
I received a bill in the mail for a credit card, which I never applied for, and money was taken from on line businesses, XXXX and XXXX to total {$1100.00}
This company calls my phone numerous times a day. They have reported to XXXX that I owe an amount of {$430.00}. This amount was reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and is showing on my privacy guard account in my alerts. I have never done business with these people and do not have a contract or not bill/balance with this company.
I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account 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.
Hello, I recently transferred all of my loans to fed loan servicing ( as to prepare to qualify for PSLF ) and have run into several problems with this agency. On  XXXX   XXXX  I received notification that my re-certification for income driven repayment was due. I submitted all necessary paperwork  XXXX   XXXX  however my re-certification was denied. When I spoke on the phone with fed loan servicing they stated that I applied too early, however per the letter I received in the mail re-certification is due by  XXXX   XXXX  and so submitting  XXXX   XXXX  does not qualify as being " too early. '' The customer service representative did not understand what was going on and submitted my case to be " reviewed '' however I am very worried, given the number of errors that have already occurred with this agency, that this will not be done in a timely manner. I fear that I will miss the deadline ( even though I have already submitted all necessary paperwork ) and will thus forfeit my ability to continue to use IDR. Please note that I do have  XXXX  re-certification dates,  XXXX  in  XXXX   ( f or which I received the recert letter mentioned above  )  and  XXXX  in  XXXX .     Thank you very much for your time in this matter.     Sincerely,  XXXX   XXXX  Attachments :  ( 1 ) L etters from  XXXX  dated  XXXX   XXXX ,    2017  requesting me to submit  IDR  annual re-certification ; (  2 )  my IDR re-certification paperwork ( with my tax return ) submitted on  XXXX   XXXX  ; and  ( 3 ) email f rom MyFedLoan on  XXXX   XXXX  indicating that my IDR annual re-certification was denied. All attachments are assembled into a single PDF file.
XX/XX/XXXX my house in XXXX, Va was sold in a short sale with GMAC which covered the mortgage and XXXX mortgage. GMAC transferred the XXXX mortgage to Ocwen Loan Servicing when it was not owed. Ocwen after researching said I did not owe it and to disregard and letters in the mail until they enter info. They never took it off my credit report. It is still on there as an adverse account. The " loan '' was then transferred to XXXX XXXX whose loan administration after 3 months research found I did n't owe it either as it was paid off in short sale. XXXX has removed the loan from my credit report but can not remove Ocwen. I see there are other people having the same problem and many other problems with Ocwen. Ocwen is currently on alert and being looked into by the government and law suits are pending approval. I do not want to do a lawsuit and just would like it off my credit report since it never should have been there since the beginning with GMAC. The attorney general of VA sent me a check for XXXX and an internal audit sent XXXX for the illegal handling of the sale and loan by GMAC. It in no way made up for the many problems and financial issues and nothing should have been transferred to Ocwen. When you call Ocwen they are from XXXX and can not understand issues because they do n't speak very good English and do n't understand it either, they read from a script and never understand the problem or they just hang up on you. They had agreed to remove it but as of now it is still on there. Talked to them about this matter XX/XX/XXXX. 
Please help me if you can It has been too long and my stress level is out the roof. Anything you can help me with would be greatly appreciated.
I've previously contact this company as this information is incorrectly reported on my credit filed and don't owe this company because I didn't sign an obligation with them for anything.
I asked Bank of America if they would take the private mortgage insurance off my loan. I met all the criteria, no late payments in five years, more than 20 % equity. Bank of America denied me because I had refinanced within those five years. Heres the thing, I refinanced with Bank of America. Further more, it was with the same mortgage loan officer, I got the original loan with, XXXX XXXX, phone number ( XXXX ). They said my five years would be from my new refinance date in 2012. I was never informed that I would have to start all over again. All I want is the PMI taken off my loan. I bought my home for {$270000.00}, and it is worth at least {$450000.00}, thats at least 60 % equity. I am a XXXX vet and we should not be treated like this. Thank you.
had a vehicle lease by XXXX, the vehicle was turn at the end of the term intact with all lease payment made in full, XXXX XXXX have used fraud to say I won them {$790.00} I have disputed this for years, they have remove it and then brought back by collections agency XXXX account XXXX, I have written to this company they have refused to remove it from my credit, call at all hours and harass over the phone on an ongoing bases
I was attending a XXXX school. I was 6 months in when the school closed. During my registration and financial aid process, they said I would have to take out loans to attend. One of the loans is from a private loan company. I agreed thinking that in the long run it will pay off when I receive a well-paying job with the education I had received. My school convinced me to take out this loan and then I believe they breached their end of the contract by closing down. Spoke to lender and they state I am unable to discharge loans. I do not feel that I should pay the full amount of the remaining loan considering that I was unable to finish school.
Cavalry needs to terminate its collections activities and remove its entries off of all credit bureaus as this debt is now beyond the Illinois Statue of Limitations of 5 years. XXXX and XXXX have already issued XXXX in both XXXX and XXXX for other debts because all my credit card problems started when I defaulted on all of my debt in the final quarter of XXXX. I have been harmed and denied credit because of their actions. I disputed this via XXXX XXXX and I received the attached scan saying that the debt was valid. 

In addition, they illegally served my father with the same name as me ( XXXX XXXX ) with papers to go to court in XXXX County Illinois. My father suffers from XXXX/XXXX and had to go to court to to demonstrate that he is not me. My family tried to explain to the process server and the company that he is not me, but they would not listen. My brother who was a XXXX county sheriff police officer had to accompany my father to court because he was not able to go on his own! This was a very upsetting experience for my father, and he suffered XXXX XXXX XXXX from the entire situation. This company should be sanctioned for these actions and I would gladly cooperate in any proceedings against them.
On Saturday, XXXX/XXXX/16, I received a from Ditech Financial stating that my XXXX 2016 mortgage payment was not received. The letter further went on to state that late fees would be charged as a result. I contacted Ditech customer service on Tuesday, XXXX/XXXX/2016 to learn more about Ditech 's assertion that the payment was not recieved. I explained that my payment was made online with XXXX XXXX XXXX bill pay system. My statement was documenting that the payment was processed to Ditech on Thursday, XXXX/XXXX/2016. The customer service representative and subsequent supervisor requested that I fax a copy of my recent statement to them. I faxed my statement on Friday, XXXX/XXXX/2016. I called to follow up with Ditech the first week of XXXX. The customer service representative stated that the disputed was sent on to investigations. I had provided customer service and the supervisor with my contact information in my initial call and in the subsequent call. Having received no contact initiated by Ditech, I called to follow up as to whether my payment had been located. My XXXX 2016 payment to Ditech was sent and documented processing during this time. I then recieved a letter stating that my XXXX payment was not received. I contact Ditech customer service and was told I needed to provide a visual image of the processed payment. I asked how one accesses visual documentation of an electronic payment and the customer service representative suggested I contact my bank. On XXXX/XXXX/2016 I enlisted the assistance of XXXX XXXX of XXXX XXXX XXXX to help research my payments. She reports that XXXX XXXX XXXX central processing verified the payments to XXXX XXXX on behalf of DiTech on XXXX/XXXX/2016. As of this submission, Ditech has failed to contact me to confirm resolution of this issue. Resource staff contact information fails to access staff. Front line service representatives are unable to confirm resolution. 
At this time I am seeking assistance to resolve this payment dispute.