WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to file a complaint against Nationstar because of their predatory lending practices reporting negative item for last 9 years Illegally appraisal of my house at $ XXXX in XXXX. All comparable were XXXX to XXXX. they illegally compared the house form outside the subdivision to get XXXX unlawfully Charged 7.87 % interest on my house Dishonestly started foreclosed process in XXXX and took my home from my family. ( See Court Process ) Unlawfully reporting negative and foreclosure in my credit file since last 9 years a. XXXX and Nationstar has changed the date for last delinquent payment date so they can report negative item until XXXX After 9 Years -I am still ca n't buy house because they have changed the date of my last delinquent payment with XXXX It should be only for 7 years
I have spent numerous hours and disputes to try and get Transunion to correct negative accounts on my credit report that   XXXX   already has corrected. I did not have near the problem with  XXXX , that I seem to be having in getting Transunion to correct. There are accounts that are suppose to be deleted, as well as accounts that are duplicates
I disputed this fraudulent debt with Midstate Collection Solutions Inc. numerous times.

Please note that I have downloaded a couple of the Dispute Letters as well as the latest response from Midstate Collection Solutions Inc . I simply ask that they verify and validate the debt by providing me a copy of a contract that has my signature as require by law, however they refuse to do so and only sent a billing statement of which I also downloaded. The billing statement was sent from their Attorney.

I disputed this fraudulent debt with XXXX and they informed me that Midstate Collection Solutions Inc. refused to delete it. I have also included a Fair Debt Collection Practices Act Fine Schedule which clearly states the violations of which Midstate Collection Solutions is liable. I also have researched their Company and have found that there are many complaints about their NEGATIVE PRACTICES. I will mail a INTENT TO SUE LETTER once I complete this complaint. Surely Midstate Collection Solutions believe they are above the law. I also investigated a found that this fraudulent debt was created at XXXX  XXXX XXXX  XXXX XXXX with XXXX XXXX the date of XX/XX/XXXX. This is XX/XX/XXXX. Surely this Debt has been RE-AGED!!!
THIS IS NOT A REQUEST TO HAVE ANY EXTENDED FRAUD ALERTS OR SECURITY FREEZES PUT ON MY ACCOUNT. YOU ARE NOT TO PUT ANY OF THOSE ON MY ACCOUNT. ALSO TAKE OFF THE BLOCK ON MY ACCOUNT FOR PROMOTIONAL PURPOSES AS I NEVER AUTHORIZED YOU TO PUT THAT ON THERE. 

i spoke to XXXX collection today and spoke to XXXX XXXX and she advised that this account has been closed and is no longer in their system and they submitted a manual request for deletion to the credit bureaus. So this account still remains on my file and proves that Equifax lied about them verifying this. Also XXXX I spoke to XXXX at XXXX XXXX and she informed me that XXXX does not have any original source document nor do they have a signed XXXX Release form showing that this medical facility has the right to share any of my person information so this is now a FEDERAL OFFENSE and Equifax is just as guilty for saying they have verified these XXXX XXXX accounts when they have not done so. By me calling these creditors today this shows that Equifax is violation federal laws in the FCRA and they need to be fined and shut down for doing so. Read the hand written notes on the attachment. I have caught you in a bold face lie about verifying these accounts.
1. Wester Union have money transfer program from a Bank account to Bank Account for no charge but it never works. 
2. Alternatively you will pay {$5.00} for money to be picked up at Western Union. Once I did that it put money on hold, and is asking for receiver scanned photo ID, which if I knew before committing to transaction would have canceled it. Now Western Union will not cancel the transaction without a written letter of explanation.
I have several accounts listed on my credit report that are not mine. I have contacted all 3 credit berueas and ask them to provide physical proof of the debt owed and none of them adhered to my request. I also contacted the direct companies alleging I owed the balance and they also could not verify that I was the person insued to this debt. Many have even admitted it was a mistake. I need help to remove the following items off of my credit report.

XXXX : ( XXXX  ) -XXXX  XXXX XXXX.XXXX XXXX XXXX XXXX XXXX , Amount owed - {$150.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX   Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX  XXXX  Amount Owed - {$760.00} Acct # XXXX  XXXX : ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fl Amount Owed. - {$600.00} ACC # XXXX  ( XXXX ) -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX - Amount Owed - {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il Amount Owed - {$440.00} ACC # XXXX  Transunion : XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX  , XXXX Amount Owed XXXX ACC # XXXX  ( XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MN XXXX  XXXX Amount Owe- {$760.00} ACC # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Amount Owed - {$760.00} Acct # XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Acct # XXXX  Amt. Owe {$190.00} ( XXXX  ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN Balance : {$190.00} Acct.

( XXXX ) -XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acc. # XXXX Amt. {$1300.00} ( XXXX ) XXXX XXXX XXXX  ACCT. # XXXX Amt. {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL Amt. Owed - {$1700.00} Acct. # XXXX ( XXXX ) -XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MN XXXX Amt. {$1000.00} Acct. # XXXX
I received a notice from XXXX XXXX that their had been an entry on my credit report. I looked at my credit report at XXXX and found a report from Capital Accounts on a supposedly account i have with XXXX XXXX in North Carolina. I contacted Capital Accounts and spoke with a lady by the name of XXXX. I gave her all my information and reported I have not been to a dentist since XXXX. I then called the Dentist and spoke with several people and finally got to speak to a lady in the billing department. I went over all information and she reported she did n't know how that collection agency got my information or my social security number. She report this should be under my sons name which is the same but he is a Jr. She reported she will notify Capital Accounts to have it corrected. I filed a dispute within XXXX and the final report has not been changed. Its amazing how in our society a company can get your information and file any report and the credit bureaus do little to nothing to get it corrected. Does this not fall into the classification of identity theft on both the collection agency and the credit bureaus?
On XX/XX/XXXX XXXX credit services charged against my debit card in the amount of {$19.00}. The bank reversed the charge via investigation and blocked XXXX. On XX/XX/XXXX XXXX again charged my debit card {$19.00}. This time the bank blocked my debit card and forced me to go inside the bank to withdraw from the account. 

This causes a financial hardship in so much as that since my account was opened with this bank, my identification card expired, and I am caught up in red tape with the identification bureaus as I wait for identifying documents to obtain a CA ID Card, a USA passport, or another Military ID card. This wait has been since my identification card expired on XX/XX/XXXX. 

Meanwhile, my debit card is blocked, my direct deposit from my job will continue to deposit into my account, and I am not able to withdraw because the customer service department blocked my card due to the fraud of XXXX  and the subsequent charge at my debit card since the unauthorized purchase in XX/XX/XXXX.
I reviewed my credit report and I saw an entry from XXXX XXXX XXXX XXXX ( XXXX ), a collection agency. I contacted XXXX demanding validation for proof of their entry on my credit per the Federal Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, XXXX received my validation letter ; Certified Mail # : XXXX XXXX XXXX XXXX XXXX ; return receipt request ( RRR ) from United States Postal Service. On XX/XX/XXXX, they responded saying they received my correspondence. They also stated they were only licensed to collect in Texas. However, they did not validate nor verify the debt. A representative, XXXX XXXX XXXX, stated firsthand, they had verification of the debt and the company had legal standing. After reading her correspondence, I researched XXXX on NC Department of Insurance ( NCDOI ) License Services website and found they didnt have a permit to do business in the State of North Carolina. Afterwards, I called the ( NCDOI ) Agent Services Division ( ASD ) onXX/XX/XXXX and instituted an investigation regarding XXXX. I stated what I found, while the XXXX XXXX XXXX researched for me to double check my information. She came back stating she could not locate a permit # for XXXX but would need to do a full investigation since I requested certain specifics on company letterhead for my situation. Once the investigation was complete, she would write me back with a company response. On XX/XX/XXXX, I received a letter from NCDOI ASD Agent XXXX XXXX stating that they were doing an investigation and will contact me after their findings. The reference number for the case is ASD file # XXXX. On XX/XX/XXXX, I notified Equifax with this new information and dispute evidence. I also demanded a Method of Verification per the Federal Credit Reporting Act ( FCRA ) 609 & 611 as to how they conducted their investigation. I was confused on if I couldnt  obtain this type of information, then how was Equifax able to verify this debt. I also asked validation questions as well. They responded with another letter stating they verified everything and updated the information in my file. I reviewed this canned response and found it lacking and it included nothing I requested or asked for. They did not fulfill their obligation per FCRA 609 & 611. OnXX/XX/XXXX I received a letter from NCDOI ASD, stating that XXXX was not licensed to do business in the state of North Carolina until it secures a permit. They were found to be in violation of N.C.G.S. 58-70-1. Which is a Class 1 Felony. In addition, they are in violation of the FDCPA, FCRA, NC General Statutes & US Federal Statutes as it pertains to my situation outlined in my letter.  Thereafter, I forwarded all the information that I received from the NCDOI and my dispute evidence I gathered to Equifax. Equifax wrote back stating they were still able to verify this debt on my credit. With insurmountable NC state evidence supplied to them and Federal law I am still unsure how they were able to verify this. I am sure they are still using XXXX which was ruled not a fair verification tool. Also, as of XX/XX/XXXX they still are not licensed and yet Equifax continues to place this on my credit report.
I had a creditor reach out to me and let me know that they needed me to " Unlock Experian Credit Report '' and underwriting could not continue until this takes place. I had never heard of this before so I got on experian 's website. There I found some information about security freezes and to call if I had any questions. So I did. I went through their automated system multiple times to find out there is no way to ask a question you can only place a freeze or remove one. To remove on you need a PIN which I never got because I didn't place the freeze, if there is one. I also tried their online portal which got me the same result. So I tried finding other phone numbers to call. In all I called 7 different phone numbers that lead me to the same automated system that will not connect you to anyone for help and hangs up on you when it can't help you. This is unacceptable from a company that controls consumer credit information. I understand they get a lot of phone calls and everyone wants to talk to a person. However, there needs to be a way to actually talk to someone and get answers to why our credit reports have been locked!
On XXXX XXXX, XXXX I had ordered a new card through JP Morgan Chase 's telephone banking because the card I had was n't working correctly. I would have to swipe a few times before it actually worked. I never received the card I ordered and on XXXX XXXX I called back to customer service telling them that I still have n't received it. They told me the card was still being processed and there was a demographic change on my account causing my card to delay. They stated the only way to over ride the card was to go into a branch. On XXXX XXXX I went into the branch and unbeknownst to me she closed the card I did have. And only when I went to the market on the XXXX I found out the card was closed. She also stated that it would be rushed delivered. I went back to the branch on the XXXX telling them the closed the card without my knowledge and that I needed some way to get around for the weekend also I waited on all day on Friday to get the card and still nothing came. I waited as well on Monday the XXXX because they stated that it was past the issuing time that it was delayed by a business day. So on the XXXX XXXX called Corporate they did n't know why this was happening and to go back to the branch. I called the telephone banking spoke to someone in the fraud department and he stated he fixed the demographic hold on my account and would rush deliver no later than Thursday the XXXXAnd to call back in the morning to get a tracking number so I called the XXXX for a tracking number and they could n't give me one so this morning the XXXX called to get a tracking number so I can have an estimated time when it would be delivered. They told me to go into the branch and have them approve the override and to tell them to call consumer services to reopen the card I had that was originally giving me problems and the card I ordered on the XXXX was still being processed. Went into the branch and no one could help me. The personal banker told me to leave the branch or she would call the police on me that she could no longer help me. I told her to go ahead and to give me the district managers number because my card that I had was closed and all the cards I ordered have never been received or even shipped. And no one was held accountable for giving me the run around. It feel distrimated and be little by them. To be told they would call the police is a big threat I was n't violent or yelling simply want to resolve this issue before I go out of town next week. I have XXXX little kids if an emergency arise where I ca n't get to them because I have no card to get gas I would hold them accountable. I have all three emails stated I ordered a new card but my personal information is on it
I have filed multiple disputes regarding information regarding XXXX XXXX XXXX, XXXX XXXX and Auto Credit and that is reporting on my credit report and Transunion has failed to provide any verification that the information was correct, the damaging information remain on my credit report. I have contacted the creditors as well as Transunion to correct the information without success. I do not feel that Transunion is investigating the disputes. I feel this is unfair treatment and dishonest treatment in regards to customer service. This appears to be a problem with ALL XXXX credit reporting agencies.
Alleged moneys owed to several credit cards back from XX/XX/2005. BK filled.
Received a collection letter. After googling the name of the company that claims that I owe them for medical services, it appears this company is located in Fl, which I 've never been to. In addition, it appears they 're a XXXX office, I do not have children. On XX/XX/XXXX I replied to their XXXX requesting information on the services im being charged for including date and place. On XX/XX/XXXX I received a 2nd letter, which is the same as the 1st one. On XX/XX/XXXX, I called the XXXX and in order to verified the acct or provide any info they requested my ss # and birthdate information which I refused to provide. I spoke to a rep name XXXX. I checked my credit report with all XXXX bureaus, and it shows XXXX collections. Please investigate, as I am 100 % sure this is just a scam.
XXXX XXXX is reporting a inaccurate account on my report. I have disputed it several times and it constantly reports. I have contacted the XXXX XXXX and all of the reporting agencies.
I received an updated copy of my credit report to find out that Diversified Consultants Inc. reported that I owe {$140.00} for XXXX when this account has already been proven that I do not owe it. I do not owe XXXX and the account was removed not once but three times by all credit bureaus in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This account was sold to two ( 2 ) different collection agencies and none of them had proven the debt. XXXX then resold the debt to Diversified Consultants who assumed the new right to collect. Diversified Consultants posted a collection to all three credit bureaus for a debt of {$140.00}. The posting states that this is an active collection opened XX/XX/XXXX. Prior to this account appearing on my report, I did not receive a 30-day notice of my right to dispute. By reporting this debt on my report without providing this notice, Diversified has violated my federal right, as protected under the Fair Debt Collection Practices Act.
I had membership for XXXX in XXXX, TX. I paid my membership as an automatic payment. They closed the gym " temporarily '' XX/XX/2016. I continued to pay my monthly dues until XXXX 2016 with no facility to work out at. I went in to XXXX, Tx to see if I could cancel my membership. I was told there was a XXXX XXXX XXXX XXXX I could choose to work at. The XXXX gyms are over XXXX miles away from the facility I had signed up at. I chose to cancel the membership and the rep signed off on the termination. I was not billed for XX/XX/XXXX and XX/XX/XXXX. I was billed for XX/XX/XXXX, which I called to see why they debited my account. They stated I was still responsible for the payment. I told them a furniture store had moved into the old XXXX XXXX I had signed up at. They did n't care about that fact. They told me it was to open up shortly. I told her it could n't open up, as a furniture store was operating out of the same building. They then stated I could work out at XXXX or XXXX. I informed them they were too far away from where I lived and I had infact cancelled the contract back in XX/XX/XXXX. She stated that XXXX was in receipt of the cancellation notice. She stated because they failed to fax it to them, " the billing company '' that it did n't count. They could n't get a hold of the gym, therefore we would still need to pay the contracted amount. I disputed that, as I never signed a contract with them. They sent me a link and asked me to register to obtain a copy of the " agreement ''. I never signed this contract. My signature was electronically placed on this document, as it was the first time that I 've seen this document. I asked how it was that they could bill me for a service they could not provide per their contract if they do not have a gym within XXXX miles. The gym was closed for more than 30 days, as it has been closed for 8 months. They could not keep their side of the contract and I 've requested that they not charge me. They state they will continue to charge even though they can not provide the service. The gym XXXX the XX/XX/XXXX and XX/XX/XXXX invoice the billing company provided to them. I then told them that was their sign that it was a terminated contract ; however because they can not reach out to Nautilus, they have decided to keep billing me. This is not fair and is very much a breach of their contract. They want me to pay for a service they can not provide and will not listen to my calls and pleading for them to stop billing me.
Our Home Mortgage transferred from XXXX to OCWEN in XX/XX/XXXX. All payments from transfer to date have been made on time, no late fees have been assessed, and all escrow overages have been refunded when due. All this is clearly documented in the statements and payment history on the OCWEN website. However, in XX/XX/XXXX it was identified when applying for a re-finance or modification that OCWEN had been reporting the account delinquent on random months since XXXX. We contacted OCWEN at that time to request that all erroneous late reporting to the ( 3 ) credit bureaus be reversed and corrected immediately. On XX/XX/XXXX after months without resolution I contacted the Office of the Consumer Ombudsman for OCWEN to request an investigation and review to resolve the erroneous negative credit reporting. Again this request went without resolution and on XX/XX/XXXX we received the last communication from OCWEN with refusal to reverse the reporting. This entire process took 6 months without resolution and I am certain intentionally hoping we would just give up. Interestingly, from the time we contacted OCWEN in XX/XX/XXXX with our complaint until XX/XX/XXXX OCWEN reported no delinquencies to the credit bureau. As the stress of this unimaginable and unresolved issue was causing extreme stress on my husband who is awaiting a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) we were advised by our mortgage broker to sit it out until XX/XX/XXXX and we would have 12 months of on-time payments now that OCWEN was no longer reporting them late. In XX/XX/XXXX we again applied for a re-finance thinking we were finally able to get out from under the OCWEN hostage high interest rate mortgage that had depleted our savings and the credit report again showed random late reporting in XXXX, XXXX and XX/XX/XXXX although no change in our on-time payment history. We are devastated that this can continue to happen and desperately need help to resolve this as we truly believe OCWEN is deliberately doing this to prevent our ability to refinance with another mortgage company by intentional errors to delay the process and any resolution. XXXX search provides thousands of reports from other consumers that have the same or similar complaints with devastating outcomes and loss of their homes and credit standing due to OCWEN errors and abhorrent customer service. Additionally, Class action suits and federal restrictions have been levied against them. We refuse to allow this to go on, please help.