WillisBack/dataset-financial-user-claim huggingface dataset:
I am the mother ( third party ) that pays the debt my daughter owes on her unpaid XXXX. I authorized a payment in the amount of {$200.00} to GC Services LLC on XXXX XXXX 2016 toward my daughter 's debt of {$460.00}. I filed a XXXX complaint against GC Services for their lack of professionalism, customer service, and delays in processing the payment. I spoke withXXXX XXXX, Chief Compliance Officer & Legal Counsel for GC Services on XXXX XXXX 2016 regarding the non-processing of the {$200.00} payment to XXXX. I spoke with XXXX on XXXX XXXX 2016 and was informed the GC Services never processed the payment to XXXX. XXXX XXXX and GC Services staff ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) all claim the payment was processed in a timely manner. GC Services is upset with my handling of the situation and refuses to process my daughter 's payment. This is a violation of my daughter 's right to have her driver license reinstated. My XXXX complaint was resolved because I believed the payment was processed at the time. After speaking with XXXX, I requested the XXXX reopen my case ( XXXX ). I have attached the following documents : email reopen case XXXX, GC Services response letter ( 1 ), GC Services response letter ( 2 ), initial XXXX complaint.
I contacted this company regarding this debt and requested verification of the debt. I asked how was the amount calculated, the original creditor and the service, proof of the company license, and proof that this collection agency owns the debt and or assigned to the debt. 
Company failed to provide verification as of today and is currently reporting negative activity.
On Thursday XX/XX/2017 @ approximately XXXX I notice an Inquiry on my Equifax credit that I did n't authorized or recognize. I called Equifax and spoke to an agent and informed the agent I had an inquiry for credit on my credit file that I did n't authorized as I did n't apply for nor was denied for any create from XXXX with in the last 90 days. If I had of applied for credit that was denied XXXX with the FCRA I would have received a letter of denial and a chance to receive a free copy of my credit report. The agent informed me that according to Equifax the inquiries are true unless the creditor provides me with a letter that states otherwise. I called XXXX at XXXX and spoke to XXXX who informed me that XXXX does n't send out letter to the consumer to remove credit inquiries to dispute the Inquiry with the Equifax and they would send verification to XXXX. On Friday XX/XX/XXXX at XXXX I called Equifax to open the dispute the agent told me they could n't do a dispute on the phone for the inaccurate inquiry information I would have to open the dispute online. After I got off the phone with the agent I called back and spoke to an addition agent who told me to contact XXXX informed her that I already tried that route and per the FCRA I should be able to dispute inaccurate information on my file. She said that she was sorry the only way to dispute the information was to dispute it online. On Monday XX/XX/XXXX I opened a dispute with Equifax for the unauthorized inquiry on Tuesday the dispute was closed with the following information " '' We have reviewed the inquiry information. the results are : Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX, XXXX VA XXXX phone : XXXX. On Tuesday XX/XX/2017 upon receipt of the dispute findings I called XXXX at the number listed above and spoke to XXXX. XXXX researched the XXXX system and informed me he had no recent request for credit on my behalf and that they could n't send me a letter. I asked for him to transfer me to the Fraud department he did and I was transferred to XXXX at XXXX who reviewed my account and informed me he had no new request for credit for XXXX. XXXX called XXXX with me on the phone and spoke to an Equifax Representative reference the inaccurate information. The Equifax agent told XXXX the information would be taken care of yet when XXXX hung up the phone the representative stated he could not resolve the issue and had to transfer me to an additional section. As a Consumer I know I did n't request any credit from XXXX and to be given the run around by Equifax is unacceptable. To be provided a system generated response to dispute versus the dispute being investigated is disheartening. Please look into this matter for me thank you. XXXX
From : XXXX XXXX, XXXX XX/XX/XXXX, last 4 of SS XXXX, XXXX XXXX XXXX XXXX GA XXXX I have unauthorized credit inquiries on my credit report that are listed below. 

Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, and I have asked for investigation and evidence that I requested said inquiries with no response because there is no proof that these were authorized. 

I disputed these through this bureau and was told inquiries are a statement of record and not disputable.In fact with no proof of authorization then they are to be removed. I have also notified each company. Under the FCRA I am requesting these inquiries be removed. 

XXXX XXXX Inquiry from XX/XX/XXXX - XXXX  XXXX  Inquiry from XX/XX/XXXX - XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX  Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX Inquiry from XX/XX/XXXX - XXXX XXXX Inquiry from XX/XX/XXXX - XXXX   Inquiry from XX/XX/XXXX
Ditech mortgage has recently ( XX/XX/XXXX XXXX ) placed a " Charge Off '' on my and my wife 's credit report for an account we never had with them. They took over Greentree, who had taken over the account we had with XXXX XXXX XXXX back in XX/XX/XXXX which is when we filed for and went thru CH XXXX Bankruptcy. That account was in our Bankruptcy, which was issued a Final Decree on XX/XX/XXXX, which is over 1 1/2 years ago and prior to Ditech servicing of Greentree accounts ( which began 2 months ago ). Therefore, we never had an account with Ditech and they should not be reporting our account as a charge off with them. They simply have never had any claim on us as the account with Greentree was closed and covered under the bankruptcy 1 1/2 years before they took it over from Greentree. Please have them remove this immediately. 

I have made several calls to have them correct their errors, but like all other mortgage companies, they do n't return calls. 

Ditech ( XXXX ) XXXX MINNESOTA XXXX XXXX XXXX, XXXX XXXX, MN XXXX they claim charged off $ XXXX was with 1 ) XXXX # XXXX, then 2 ) Greentree XXXX XXXX and now suposedly 3 ) Ditech XXXX XXXX ( full account number not reported by Ditec ) Thank you for your assistance. 

XXXX and XXXX XXXX
Am reporting in hopes of saving someone else more than thinking that I will ever get my money back. 

Was contacted this morning by a person claiming to be my son-in-law, allegedly in jail after crashing his truck into a utility pole. The voice and inflection of the voice did indeed sound like XXXX. He turned me over then to his alleged lawyer who explained the immediate need for {$2000.00} cash to get him released. Sent the money via MoneyGram to a XXXX XXXX in Delaware. Then got another phone call saying there was a new complication that another {$1800.00} was needed and realized at that point that I had been taken in. Rushed back to WalMart were I executed the MoneyGram transaction, they immediately check and the money had already been picked up. The MoneyGram reference number in this case is XXXX.
Transworld Systems Inc. ( www.transworldpayments.com ) continue to call my home, harass my family, and send me letters for a debt of {$120.00} for a medical bill that I paid over a month ago! I have shared the receipt, and yet they continue to harass me.
I have sent letters citing the laws within the united states to provide proof that this debt is mine. 

I have gotten no responses and have already asked for proof over a 60 day period. 

I have included the letters i have sent.
The Lender U.S Home Capital, LLC. XXXX XXXX, XXXX XXXX, NJ XXXX owe me a refund of {$2900.00}, this money was paid at closing for Upfront PMI. I found out in XXXX of this year that my mortgage was not insured with the FHA, I contacted XXXX Mortgage which was the lender that my mortgage was sold to a couple months after we closed. I contacted XXXX Mortgage, they 've acknowledged my claim was legitimate and a refund was issued to me for all the monthly PMI payments that was posted on my account. The last time I spoke to U.S Home capital XX/XX/XXXX, they had promised to request {$2900.00} from HUD, and now they wo n't return my phone calls, emails, I 've made numerous attempt to resolve this matter peacefully, it has been four months, they still have n't giving me the status of my refund.
There are several transactions which I have placed in dispute with Capital One 360, two purchases from XXXX on or around XX/XX/XXXX, XXXX and XXXX, these are items not received. An item in the amount of XXXX on XX/XX/XXXX is a fraudulent purchase made on XXXX, XXXX is the merchant. This account was closed, however, I was able to place the items in dispute via website today, XX/XX/XXXX. I do not know whether or not Capital One will assist with these charges or not due to account status. I attempted to resolve said transactions with respective merchants, however, XXXX has been uncooperative. XXXX has not replied to messages left via XXXX. These items are about two months old, I've been messaging the merchants on and off since late XXXX with no resolution
I had fraud on my business account debit card.With in 4 days I had 2 Airline tickets purchased from XXXX. I reported them to Navy Federal Credit Union ( My bank ) but they are not believing me and this has caused my bills not to be paid because the account went overdrawn by this fraud and my bills got returned and in returned I get charged for the returned fees which cost me a lot of money for each of this bill. The most annoying is how they bounce my bills back when I had enough money in my account for my bills the previous day but they honor a fraud that was not even pending on my account.The shocking part was they adjusted my account transaction showing as if I transferred the money after the fraud happen and bills get bounced back. 
I am so angry, I have been trying to contact them but they are not helpful at all. I even let them know I will be contacting financial ombudsman.
An attempt to fraudulently open a new XXXX XXXX account and make a purchase to XXXX of approximately {$340.00} through my XXXX account was initiated on Sunday, XXXX XXXX, 2017. I received an email from XXXX directly that the attempt was made but the request was denied. I immediately called XXXX to inquire about this attempt because I currently have an existing XXXX XXXX account and made it known that this attempt was not initiated by me and was fraudulent. The request was denied because the initiator could not answer the personal questions related to my person correctly. After discussing with Customer Service, they labelled this attempt as fraudulence and assisted me in changing my account password. I have not received further correspondence from XXXX, but noticed a new hard inquiry on my XXXX account. This inquiry was fraudulent and needs to be removed from my credit report. XXXX  does not allow online investigations with hard inquiries.
There are XXXX addresses in my credit report. Only the XXXX is correct. The others XXXX are not mine. The XXXX address was of my son XXXX. The post office number I never had in XXXX.
XXXX card {$500.00} limit, used twice paid off within 3 or 4 months, carried card for 8 months. <P/>I 'm a experienced mortgage loan processor. Understanding credit, debt to income calculations and financial lending most recent standards are fundamental me to having a job, so I get how the economy works. <P/>Synchrony services 90 % of my retail credit card debt and 70 % of the credit card servicing marketplace. Est total ( my husband and I ) synchrony retail debit is XXXX but XXXX of that a luxury jewelry purchase with special financing and XXXX is LensCrafters frames/lenses also with special financing. <P/>That being said, I do n't have any late payments, collections or bankruptcy remarks. 50 % of the retail cards that are reported on my credit report are authorized user accounts which can not be used to calculate negative debt against me because I 'm not financially responsible for the card. <P/>I do n't understand why they closed my account. Is this standard practice for synchrony? I admit that credit cards are different than mortgages but I can assure you the risk assessments need qualification guidelines for credit cards vs mortgage loans It 's like being in from XXXX but only being fluent in XXXX with a XXXX accent. <P/>I do n't get it
My credit card from XXXX XXXX was closed by the issuer. Reason stating my payment had be late multiple times since opening the card. This type of card generally has to be paid off when due each monthly. However I signed up for a feature in early XXXX that allowed purchases over {$100.00} to be amortize over time. I received an email on XX/XX/XXXX that advised my payment was late. I immediately called XXXX XXXX around XXXX XXXX, as I was in the airport on my way out of the country. I was told yes I was enrolled in the {$100.00} program, but it was not processed for XX/XX/XXXX. The agent advised he set it up for that month and I would not have any issues with future billing. He told me I only owed something like {$34.00} and I could pay it when I came back to the XXXX. I paid what was due on my next bill and planned to do the same amortize the charges over time. I was surprised to receive an email on XX/XX/XXXX advising my account was being cancelled. I immediately called XXXX XXXX and was told I was given incorrect information and there was nothing they could do at the time. They apologized and said the agent did not put notes in the file. At this time my account remains closed.
Please conduct a reasonable verification on the BK that is on my Experian Report. Please provide proof by supplying documentation that shows my Name, Address, and Signature for the alleged item.  Also, provide the Name, Address, Telephone number, and Signature of the person verifying the alleged item. Per FCRA section 609 the documentation should be provided within 30 days. If proof of documentation for the BK can not be provided please Delete and Remove the alleged item from the credit report. Thank you.
BANK OR AMERICA IS REPORTING ME ON XXXX XXXX XXXX XXXX AS ATTEMPTING TO TRASACT AN ACCOUNT IN AN UNAUTHORIZED OR PROHIBITED MANOR SPOKE WITH XXXX SAID I OWE XXXX AND SENT ME A LETTER SAYING SHE COULD N'T HELP ME AND I CA N'T REOPEN A BANK ACCOUNT KNOW WHERE. I CALL THERE RECOVERY NUMBER SPOKE WITH XXXX  AND SHE SAID I DO N'T OWE ANY MONEY THE BALANCE WAS ADDED TO MY BANKRUPTCY. I ASK IT I CAN GET A LETTER SHOWING I DO N'T OWE NO FEE 'S IN IT WAS ADDED TO MY BANKRUPTCY SO I CAN CLEAR MY NAME WITH XXXX XXXX AND OPEN A BANK ACCOUNT I WAS TOLD NO. I FEEL BECAUSE I FILED BANKRUPTCY BANK OF AMERICA IS BLACK BALLING ME FROM OPENING AN ACCOUNT WITH ANY BANK ... PLEASE HELP ME
I would like your asistance to find out why a lender has reinstated an old forclosure case over a debt that shows a XXXX balance on my credit report for both loans. I received a payoff letter for XXXX of the loans.In the past there was a predatory lending case against the lender and I also participated in the XXXX County Chencery Divison Settlement Program. Please help me in resolving this matter. My desire is ensure that no one can reinstate these loans in order to profit from them and to clear my home.
I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from XXXX, Equifax and XXXX to no avail. I have disputed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with Equifax and XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX with XXXX. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and XXXX XXXX accounts for increases etc.
Have been disputing a hard inquiry on my credit report from XXXX XXXX. As of a few days ago a collection account was opened from XXXX. Again, I have never done business with XXXX and if the the dispute for the inquiry had been taken seriously I would not have a collection from them on my credit report. I have reported with Equifax, XXXX and have filed a police report. I want any information regarding XXXX and the fraudulent activity removed from my credit report. In addition an address of XXXX XXXX XXXX, XXXX, FL XXXX has appeared on my credit report which I can only guess is related to the other fraudulent activity.
For the period of  XXXX  and  XXXX  if this year my bank is not updating my  XXXX  app on deposits and transactions I have already authorized this app to have access through my bank
I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ), XXXX XXXX XXXX, AMERICAN EXPRESS ( AMEX ) credit inquiries without my knowledge. The unknown and unauthorize inquiries in question was apparently made by -AMERICAN EXPRESS ( AMEX ) on XX/XX/XXXX, -XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX and American Express ( AMEX ) requested them to take action to get this inquiry removed from their records and to erase any record of the inquiries with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
On XXXX XXXX, XXXX trees fell on my house completely destroying the part of the house where I live. Since that time I have been homeless. My insurance company, XXXX XXXX, provided what I think will be enough money ( {$120000.00} ) to repair my house but all checks have required an endorsement by both myself and my mortgage company, Ditech Financial LLC. Ditech has cashed the checks but refuses to tell me if the money is held in escrow. I was able to borrow enough money to remove the trees ( {$12000.00} ) and the debris from my fallen house ( {$24000.00} ). I have sent the documentation to Ditech ( https : //www.ditech.com/ ) repeatedly. The insurance company provided checks to cover the completed work and has sent all required documentation at least 3 times. I have tried to supply all of the documentation requested by Ditech including contractor license numbers, XXXX forms and lien waivers ( some seemed to have been lost by Ditech and were never put in my Ditech file so they were sent two or three times ). They have told me that I have now submitted all required documentation but they do n't send the money. XXXX checks for materials were sent but they were made out to the wrong suppliers so they had to be returned. I have received multiple letters saying that my information is being sent to a bill collector. I have never been late on my mortgage in the XXXX years that I have owned the property. 

I am acting as my own XXXX because I was fully involved in the original construction of the house and there is not enough insurance money to hire a general contractor. With the intervention of the insurance adjuster, Ditech released {$10000.00} which does not even pay for the money that I had to borrow from family and friends to do the demolition and tree removal. My loan is a XXXX XXXX loan and as I understand the laws governing XXXX XXXX loans, this money needs to be in escrow and the interest earned sent to me at the completion of the claim. The mortgage is around {$140000.00} and the land alone excluding the house has a valuation of {$180000.00}. 

I have a XXXX XXXX loan and according to the following website, I believe that I an entitled to a disbursement of {$40000.00} plus the amount that I have already paid for the tree removal and the demolition. XXXX ). 

I am XXXX XXXX XXXX and have very limited income so that I am unable to get a loan to fix the property. I do not have money to hire a lawyer for litigation. Do you have any suggestions on how I can proceed if your office is not able to help me? I called the XXXX office and they offered no help except to tell me that I needed to deal directly with the mortgage company. When I said that I was talking to the mortgage without any effect, the XXXX representative hung up on me. I need help in getting money released so that I can repair my house.
I submitted proof to Experian that my loan with XXXX was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. XXXX continues to provide the wrong information. Over the past two decades, I have received multiple letters from XXXX, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, XXXX is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either XXXX or Experian to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was XXXX, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.
I have a statement from Wells Fargo indicating I had a payment due by XX/XX/18 in the amount of XXXX and my account balance was {$12000.00}. I went into a branch in XXXX, GA on XX/XX/18 and was quoted a loan payoff amount of XXXX. I went to the XXXX, GA branch on XX/XX/18 to pay off account and was told I had to pay XXXX. This is an extra {$73.00} over and above what I was quoted. To me this is predatory since that is more than the amount I pay monthly to principle. I am reporting this to everyone I can about how business is conducted here. My loan has been paid in full.
I Called XXXX XXXX today X/XX/2017 in regards to an account balance showing my my credit reports, there was no account listed in their system for me. The reporting address for the alleged debt is XXXX XXXX XXXX XXXX XXXX XXXX
I was a victim of identity theft and noticed a collection from PORTFOLIO RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against PORTFOLIO RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Repeatedly receiving phone calls from XXXX, Ohio ( XXXX ) area code,XXXX.-XXXX. Please note this is just one number they have attempted to call me on. I have blocked numerous other numbers 's from this same company in reference to a XXXX 'S account over the past 8 month 's. Be advised I have never had a XXXX, S account, this was also explained to the caller the one time I answered but the calls have continued on nearly a daily bases. It was suggested that I file a complaint with the CFPB about these calls. Also note that no message was left with a call back number or reason on any of these calls. 
Below is a list of other telephone number used by this company : XXXX XXXX XXXX XXXX XXXX XXXX