WillisBack/dataset-financial-user-claim huggingface dataset:
On or about XXXX 2016 I received a letter in mail from a Mcalla Raymer Pierce, LLC XXXX Attorney for Plaintiff, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Ph. ( XXXX ) XXXX, Email : XXXXXXXXXXXX a debt collection attorney firm. As a consumer I believe i 'm a victim of identity theft.This debt collection company were contacting me to inform me they were suing me to foreclose on an alleged lien ( security interest ) that XXXX BANK claim to possess and now they are entitled to my personal housegoods where i dwell. That was the first i heard of this lawsuit, I have not received anything about a lawsuit from a court. I have looked it up online to find out if they were really are trying to sue and take our family goods away. Yes, there in the court records this debt ( data ) firm had filed a lawsuit, signed by a XXXX XXXX XXXX XXXX XXXX # XXXX. Again i have not given her consent to contact me re : any alleged debt ( data ) nor has she let me know she got permission from a court of competent jurisdiction. I do n't understand how a debt collection co. can represent a client are they an attorney firm or are they debt collectors. That appears like misrepresentation of who they are. I do n't owe any debt to them and i do n't know who they are I did not consent to them contacting me re : any debt ( data ) pursuant to FDCPA. XXXX XXXX XXXX XXXX # XXXX signed the letter that stated i had 30 days to dispute the validity of the debt ( data ) or they would assume it was valid. I disputed within the 30 days and requested lawful verification and validation of proof of claim with original or certified documentation. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, 2016 stating she received the dispute letter and she had not completed a review or all the research on the lawful demand to complete and send a response to the issues raised. XXXX XXXX stated i will receive a resonse in writing once they have completed all of their research of some alleged file to respond to the verification and validation.
Dear Servicer I appreciate you assisting with matter. The matter remains unresolved. My tax payments being paid contract by XXXX continue to be applied to another party claiming ownership to my home. My concerns are third party continue to use my property tax statement and payments to claim ownership. As well as block refinance and title insurance to sale/buyer - options. At this time I want to keep my home. I may have no choose but to sale with constant abuse of my rights. The third party does not appear on title record as owner at no time. You have previously provided letter to confirm ownership in my name. Here is the latest email from XXXX  below ; Consumer Reported Issue : Incorrect owner for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ( XXXX XXXX ) Hello XXXX XXXX, In an effort to assist you with resolving this matter I reached out to XXXX Dept of Consumer Affairs or XXXXDCA on XX/XX/XXXX and was referred to the Assessors Office / Ownership department. I spoke to XXXX in that department. XXXX confirmed the assessor record is accurately reflected as it was delivered to XXXX with the owner name of XXXX XXXX XXXX for property record XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. 

This information can only be changed by the county assessor within their property data records with the proper supporting ownership documentation. Therefore, I must suggest again that you please contact the county going forward to resolve any issue you may have with the source property records data that XXXX obtains from the county. XXXX has no authority to change the data. The contact information I used to confirm this information with the county assessor is : Assessor XXXX for English press XXXX, then press Option XXXX > Ownership. ( you will need your assessor identification number XXXX ) For your reference, the XXXXDCA, XXXX XXXX County Dept of Consumer Affairs phone number is XXXX. 

I sincerely hope this information helps, Thank you, XXXX XXXX XXXX Associate, Data Research & Resolution Enterprise Data Operations XXXX   Since XXXX I have worked with XXXX to correct record multiple times - the realist report etc after the legal team investigated title records. However this time I made the mistake by disclosing whom was assuring me at XXXX. Now XXXX claims tax accessors controls whom owns property - she stated to me directly XXXX  has corrected record multiple times and are not sure what to do. XXXX  currenlty holds the contract to pay my taxes - my question to XXXX whom is XXXX paying taxes on behalf of. The XXXX  title records reflects me as owner and third party as owner. 

The tax records are being used to STEAL my home. I have tried to resolve and have resolved some challenges except tax records. The tax record challenges continue to cause hardship in finances to name a few.
I sent a dispute regarding updating information on some delinquencies that were reported on my credit report by XXXX, that were later placed on forebearance for a date prior to the delinquencies to a date through the delinquencies pursuant to FCRA 623a2B, I submitted the updated information and requested that the delinquencies be removed and the credit reporting agency failed to update my information and remove the late payments abd failed to properly investigate and verify the information I submitted to support my dispute.
A disputed account from AFNI came back verified from CRAs. I contacted AFNI on XXXX/XXXX/2015 via email making an FCRA 623 request for verification of account, including original contract, billing and any other documentation to substantiate this account and the billing of it. I received acknowledgement on XXXX/XXXX/2015 via email that my request was received and they would be in touch with me. I have heard nothing else to date from AFNI and they have failed to delete the negative info/account from my CRA as required per FCRA 623. Since the company has failed to reply to my FCRA 623 request I have no choice but to assume they are unable to verify this account and thereby they need to remove the negative information from my FCRA as they are perpetuating adverse action based on this reporting.
Despite receiving XXXX separate credit reporting and validation requests this collection company has failed to respond with ANY evidence that this alleged debt is mine. 

After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.
I borrowed from Civic Financial {$150000.00} on my prior primary residence at XXXX XXXX XXXX XXXX XXXX XXXX Florida for a restaurant venture in NC that failed. I borrowed the money in XX/XX/XXXX and prepaid the mortgage through XX/XX/XXXX. In XX/XX/XXXX I  screwed up my monthly payment for {$1500.00}. Civic thorugh its servicer XXXX sent to my XXXX XXXX home a notice to accelerate to foreclose and that I must pay {$1800.00} prior to XX/XX/XXXX. I tried to pay the amount through XXXX but they would not take the payment. I spoke with a XXXX Representative XXXX XXXX XXXX who told me that my interest rate went from 9 % to 18 % and that I owed {$5800.00}. I do n't have {$5800.00} and I ca n't afford the new payment of about {$2400.00} monthly. XXXX XXXX said pay two payments of the {$1500.00} for about {$3200.00} and she would get Civic to make the loan current and place the loan back at 9 percent interest. I got bank checks and mailed them to XXXX and made my normal payments via bank check until the Hurricane hit Florida and I tried to pay by phone but XXXX again refused my payment. I spoke again with XXXX XXXX who told me that I made no payments prior which she then retracted and said my bank checks were not cashed but returned to my NC home that I rented. My bank wont give me credit on those checks for 90 days and XXXX knew my home address to be XXXX XXXX as they sent me my notice to accelerate foreclosure to that address in XX/XX/XXXX. Now Civic wants close to {$16000.00} to resolve foreclosure when I owe them about {$6000.00} in payments that I had already made but they refused. Now I 'm going to lose my home.This is most unfair. This in my opinion is predatory lending.
Ok. I will make this the last time that I make a complaint about this matter. I called and left a message for you on today ( XX/XX/2018 ) Ms. XXXX. Didn't get a call back. I also received a from XXXX XXXX thoroughly explaining no record of an attempted payment on today, the letter is attached. It has already been confirmed that I gave you my correct account and routing number ( that is attached as well ). With that being said, If the late payments that Discover reported as late is not removed by XX/XX/2018, a lawsuit will be filed.
Filed a dispute - and now cant get back on system. Every time I call, either hold for hours and hours ( and then get cut off ) or they tell me system is not working. It dropped my credit score 50 points and I cant get a resolution. I am shopping for a car and can't move forward
XXXX XXXX XXXX has erroneously reported a collection to multiple CRA 's for a debt that is not mine, furthermore ERC reported this collection without contacting me, notify me of my right under the FDCPA or verifying the debt. 

ERC has caused material damage to my credit standing, reports, and scores, directly impacting my ability to obtain credit by reporting a debt that is not mine without any validation. 

The reported account numbers do not match account numbers I have ever had with XXXX, notwithstanding the fact that the account I had several years ago with XXXX  was pre paid and had no possibility to incur charges beyond the pre paid balance of the accounts.
In XXXX 2016 I received a letter from American Express ( Amex ) indicating that beginning XXXX XXXX, 2016 the APR % rate would rise to 14.49 % for purchases going forward. I called the XXXX number listed on the letter to ask whether the increase would be to the Fed Gov't raising the interest rates and I was advised yes and I also asked if I would be able to negotiate the APR % at that time and I was further advised yes. I thought no more of it until XX/XX/XXXX when I received my statement to indicate the increase in the APR % rate and again I called the XXXX number and spoke to XXXX women in XXXX who were XXXX very rude and was advised I should seek " credit counseling and I would not be able to negotiate the APR % rate at that time ''. I then wrote to Senator XXXX in XXXX indicating my story and my phone calls and asking for his help. I did in turn copy Amex as well as XXXX XXXX of the Fed Reserve in XXXX, XXXX Just today I had another conversation with XXXX a supervisor in the XXXX I.D . # XXXX indicating that he would not negotiate with me at this time. I then asked if in the future I would be able to negotiate the interest rate and he further advised " no ''. Disgusted yes, most definitely because earlier in the day I spoke to an XXXX again in XXXX ( I did not get an ID # ) and he indicated he would give me XX/XX/XXXX APR % of {$54.00} as a credit. XXXX indicated that there WERE NO NOTES ON THIS CONVERSATION I HAD WITH XXXX THIS AM.!!!!!!!
The original contract only stated a fixed payment of {$56.00} on a financed amount of {$1100.00}. There was no interest rate indicated nor a installment end date ( my fault for not noticing ). I have been paying on said account for 11 months now and called in XX/XX/2017 to get the principle balance so I could pay it off and was advised it was {$940.00}. I then started asking questions as to how and she told me my interest rate was XXXX % however had no clear explanation as to how only {$150.00} of {$610.00} was applied to the actual principle balance with {$460.00} going to interest. The company can not justify where my money has been applied and has advised me they do n't have a detailed statement to send me showing the appropriation of my funds.
I ordered flowers from XXXX XXXX for my aunt 's memorial. That company did n't deliver the flowers in hand to anyone. I gave them my uncle 's phone number so they could call him before delivery. He is XXXX so he may not the door bell if someone rings it.The person left the flowers by a door that was n't used by anyone and no one knew the flowers were outside in the the sun all day, from XXXX until XXXX when my cousin called to tell me they\\\\ they did n't received the flowers. I was terribly upset since it was the last thing I could do to honor my aunt and no one got the flowers for the memorial service. I called XXXX XXXX and told them I wanted a full refund. They offered half my money back right away but said if I wanted a full refund and they said they would have to pick the flowers up to get the full refund. I told them to pick the flowers up. 
This was back in XXXX when the weather was very hot. 
I told them I was n't paying for the flowers and called customer service with Macy 's American Express card and told them to put a stop payment on the flowers. The person I spoke with told me they would take care of it. The next month I called them when I saw they had paid full payment to XXXX XXXX for the flowers, they lied to me. Each month I called about my bill and they lied to me telling me it was taken care of while charging me interest on the unpaid amount for the flowers each month. I have been lied to so many times now that I ca n't trust this company anymore. They never should have made any payment to XXXX XXXX until the matter on the flowers was resolved. I am going tear up myc card and never use it again. I hope you can help me with this situation.
I am a victim of identity theft and I have advised the company the account was opened by the person that stole my identity. After several attempts of disputing this with the credit bureaus and contacting them directly they still say I am the one that opened the account which is completely false. I have requested copies of all documentation on the account and they have failed to provide this information. I am currently working with a lawyer to resolve this issue as well. I just need to clear my name from this company.
I've mailed certified letters to Experian in regards to credit inquiries that I do not recognize. The inquiries in question are listed below ; - XXXX XX/XX/XXXX -XXXX  XXXX/XXXX XXXX   XX/XX/XXXX -XXXX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX 1XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX-XXXX/XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX/XXXX XX/XX/XXXX
Conns collection practices should be considered harassment. They call you the day after your payment is due. So for example if it is due on the XXXX they are calling you at XXXX on the XXXX. They call all day long and at times it is twice a hour. If need be a can show phone history. The topper was today when they called me. My payment was late I admit. It was due on XX/XX/XXXX and I scheduled it for XX/XX/XXXX which is less then 30days. The payment cleared my bank as I have proof. They then preceed to call me today at XXXX and again at XXXX requesting XXXX and XXXX payment. I spoke with a nice lady who said it was a error and she stop the calls. Less then a hour later the calls continue. At this point I was frustrated and told the lady I was done talking with them. I owe less then {$200.00}. My whole experience with them has been terrible. My furniture is terrible. The screws are falling out of the chairs and the fabric has come off the recliner. They claim the insurance i paid for does not cover my table set and the fabric chapping is not covered either. Then they offered me a extension earlier this year and then reported it against my credit. I need to know what can be done. I tried to dispute with no luck. I am so done with Conns.
I would like to submit a complaint against ( Transfinancial Companies ) regarding unknown medical account ( s ) XXXX for {$200.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Transfinancial Companies ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( Transfinancial Companies ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Transfinancial Companies ) reporting on my credit report ( s ). ( Transfinancial Companies ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Transfinancial Companies ) claimed to be collecting for the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Therefore, ( Transfinancial Companies ) have violated several state laws, FDCPA and FCRA. ( Transfinancial Companies ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before Transfinancial Companies reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect for medical account ( s ) that were already paid by insurance and/or XXXX. 

These erroneous entries by ( Transfinancial Companies ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.
Bank of America mailed me an offer advertising zero interest on credit card balance transfers. I called them at XXXX on XX/XX/2016 at XXXX EST and spoke on a recorded line with XXXX XXXX who stated she was in XXXX XXXX , Texas to inquire if they would do it for me. After running a quick credit check, I was told that I was eligible to receive a modest line of credit. I told them I was not interested in that offer and to " cancel my application '' and " I do n't want anything from Bank of America. '' At XXXX I was told " We will close the account. A letter will go out within 14 days. '' Within two weeks I received a credit card in the mail and a notice that a new account had been opened. BofA subsequently contacted me for feedback on their service. My responses were of the worst grade possible in the survey 's scale of answers. I have never heard again from BofA. 
It would be bad if BofA submitted anything pertaining to this matter to a credit bureau.
I got an email from XXXX  XXXX saying I spent {$350.00} on MENS clothing and had it sent to some state Ive never been to. Called XXXX XXXX support and they told me it was fixed and took away all charges.. then now, a couple months later Im still getting bills from them for this problem and Im trying to resolve it using XXXX and it remains. Im not paying for things I did not purchase and thought they resolved months ago.
On XXXX XXXX, 2017 at around XXXX XXXX I was served with a lawsuit by a woman at my apartment, stating that I needed to appear in court. The document states, 'You must " appear '' in this case or the other side will win automatically. To " appear '' you must file with the court a legal document called a " motion '' or " answer ''. The " motion '' or " answer '' must be given to the court clerk or administrator within 30 days along with the required filing fee '. However, no court information was listed, in fact there was no contact information for the court at all and there is no official filing #. The only contact information was an attached form for an XXXX to pay by debit, check, XXXX XXXX or XXXX XXXX as well as a phone number to the offices of the company that was suing me. The company is Machol & Johannes , LLC.
THE FOLLOWING ARE THE REASONS THIS MODIFICATION SHOULD BE RECONSIDERED. 

XXXX Wells Fargo determined we are over the Hamp Guidelines and we are not. We owe {$720000.00} and guideline is {$720000.00} ( we do not owe you a XXXX of {$47000.00} We borrowed this money from in-laws to pay current. ( this is why we have a lien on our property for this. All late fees are to be waived per Wells Fargo when modified. ( attached current coupon ). 

XXXX. The value that was determined by the XXXX is way off. The value of our home is at least 1.1 million to 1.2 million ( remember my husband is an XXXX ). See attached sales and they did not even considered our horse keeping and our pool, spa and waterfall and R.V. access and complete remodel inside and out. ( see attached comps ) They also used comps that had no usable lot and all upslope and we are completely flat. 


XXXX. The income that was determined is way off. The underwriter considered our income based upon not guaranteed salary for co-borrower and also determined our income based upon personal expenses and husbands payroll deposits put into co borrowers XXXX account. I had to prove this to XXXX as well. They did the same thing but when I provided the proof they changed it and gave us our mod. ( see attached ) we just received a mod for our rental property. Please also be informed my husbands pay increase just started in XXXX 2014 and we received his XXXX check mid XXXX for the higher amount, prior to that his income was much lower. I have attached XXXX, XXXX XXXX XXXX, Bank Statements all of which support my claim to what I had to show to XXXX recently for them to approve our mod on our rental. You are doing the very same thing they did and once I provided them proof what was personal and what was business for deposits and expenses the mod was approved no problem and our DTI was XXXX. 









XXXX. Attached e-mails from XXXX Wells Fargo XXXX who advised me not to make any payments and assured me our loan would be modified and you would not try to take our home. 
XXXX you told me on XXXX occasion you could not advise wheter I make a payment or not but it would be best to wait for the outcome of this mod. You as a home preservation XXXX should know right away whether we meet the XXXX guidelines and you should also know if we had a previous mod. We should not have had to wait for so long only to find out you could not modify. With you working in such the capacity you are, you should know this and not string us along.
Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all XXXX reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX