WillisBack/dataset-financial-user-claim huggingface dataset:
This morning at about XXXX on XX/XX/XXXX XXXX adults, XXXX female and XXXX males, trespassed, loitered and vandalized upon my property. The acts committed included, but are not limited to, rattling multiple windows, juggling of the front door handle, opening my mail box, trying to lift open my garage door, noise disturbances, and removing signage posted on the property, including, but not limited to, the public notice of adverse possession posted on the front door. While I intended to continue to post such a notice, now that it has been removed, I will not repost the notice only to have it removed again. Anyway, those who may be interested in such notices as no trespassing, no loitering, no soliciting, and adverse possession have been made aware. 

These are the same group of folks that have been trespassing upon my property since at least XX/XX/XXXX claiming ownership. Today however, these XXXX actually parked in my driveway, got out, and proceeded to discuss their plans to landscape and what essentially amounts to breaking in and entering, and then, I suppose, have me literally thrown out of my own home. It should be noted that for some of this time XXXX XXXX XXXX Police Department ( XXXX ) Units, including XXXX sergeant, was on the scene at least part of the time. I did request assistance from the XXXX, specifically to have them removed and arrested for trespassing, loitering, vandalism, and terrorism. I should have also requested they be charged with theft as they did not return my signs and related materials to me. This act alone indicates an intent to circumvent the law and bypass the California Superior Court to resolve the matter. 

Just to be clear, in the State of California, one must go through the judicial system to gain possession of real property if that possession is contested and the property is currently occupied. Before one can prove a claim of right to tile through Trustee 's Sale, one must first prove the seller has and had the right, as a matter of law, to sell. In this instance, the sellers - Bank of America and XXXX XXXX XXXX XXXX ( XXXX ) - must prove full compliance with the law allowing for the sale of the subject property. In the meantime, I should not be subjected to unwarranted traffic in and upon my property. I have already issued a cease and desist request to the relevant parties, including the purchasers of the any debt associated with the XX/XX/XXXX Deed of Trust sold on XX/XX/XXXX. 

Today, I have made it known and clear to the XXXX trespassers, who literally scared me XXXX, I will await the service of a Summons for whatever legal action they intend to bring related to the contested right to title and possession. I have already made clear they are not to come back to my property, so service should be performed by a registered process server only. 

All previously mentioned resolutions are desired and mandatory.
I never received notification that I owed this debt. It was an apartment I lived in before I XXXX to XXXX as an XXXX XXXX XXXX XXXX. I paid all rent charges in full before leaving and was never called or emailed regarding additional charges tpnky account.
They advertised on their website that I could take a look at lowering the interest rate & payment on existing loan with them. They imply that no " credit inquiry '' would be done, did not go through with their proposal since it did n't save me any money. 

Later, I was advised by a credit monitoring tool that I had an inquiry that has adversely impacted my credit score. I was able to discover that this was from AVANT. 

I immediately contact Avant @ ( XXXX ) XXXX and spoke with their Customer Service Dept. They apologized, and after receiving my name, telephone number, date of birth, and last XXXX of my social security number told me to email their compliance department ( I emailed them also on XXXX/XXXX/2016 ), even though it was not my error to correct ). 

I believe this action by AVANT is a " DECEPTIVE LENDING PRACTICE, '' and want the inquiry removed from my credit history, and from all credit reporting agencies.
RE : Jefferson Capital SystemXXXX XXXX XXXX, XXXX XXXX , XXXX. XXXX MN XXXXReference # XXXXAmount : $ XXXXJefferson Capital violated FDCPA practices by placing an account for collections on my credit reports. JCS is reporting said account as open and 120 days late. I have NEVER had an account, or any correspondence with Jefferson Capital. I was never given an opportunity to dispute said account. JCS has not validated it is mine or that they are legally entitled to collect the debt.
Dynamic Recovery Solutions, XXXX XXXX XXXX XXXX XXXX, XXXX, SC. XXXX. XXXX ID XXXX has called XXXX for a person who has not been assigned this number for three years! 

We, at the above phone number, do not know, nor have ever known, the individual Dynamic Recovery Solutions is searching for. We do not have personal or business debt of any kind. 

When contacted ; Dynamic Recovery Solutions states our number will be removed from their calling list. However, within weeks, Dynamic Recovery Solutions resumes calling in search of someone not associated with our number or residence.
My wife received a phone call from her ex husband stating that XXXX XXXX with XXXX XXXX XXXX debt collection agency stating that I owe money and that they are going to sue me and take my car that I paid in full. XXXX XXXX then called my wife and told her that they are going to call my job. She was very rude and aggressive. 
This is against the law. 
This agency is not bonded to collect in my State Texas they are in violation of the Texas Finance Code
Upon maturity of the loan they wanted me to pay almost an extra {$1000.00} without being able to tell me what it was for. When I refused they charged off. I purchased a XXXX Honda Accord and financed it through Honda financial account XXXX. During the course of the loan I did a couple of extensions. This changed my maturity date from XXXX to XXXX XXXX. I was half a month behind on payments due to a divorce and custody battle but always paid it before the 30 days and let them know ahead of time. The loan since always paid before 30 days never went past due o my credit. I would each month make the payment and the late fee so each bill read like a double payment. To illustrate the last XXXX bills were as followed : XXXX {$920.00} ( double my payment with the late charge ), XXXX : {$920.00}, but my last bill in XXXX came for : {$1800.00}. I was expecting another {$920.00} which I would pay half off in XXXX and the other half in XXXX and the loan balance would come to zero. However, when I saw the {$1800.00} bill I immediately called. I spoke to several different employees of the company, mailed XXXX different letters and still to this date they have been unable to explain what the additional fees owed are. I even demanded they explain this debt as per my consumer rights under FDCPA. They told me if I did n't pay it, the account would be charged off, and that I plainly owed it. They declined to explain here the fees came from, they declined to provide me proof of them, and they stopped responding to all my letters. Furthermore, they never notified me in writing that my account would be charged off as required by law and they sent it to " charge off '' less than 60 days past the maturity date.
I tried to remove a security freeze from my file and haven been unable to reach anyone at Equifax to do so. Anytime you call you get a fast busy signal or the system hangs up on you. 

I also have a ton of fraudulent inactive accounts on my file I tried to dispute.
all XXXX credit has wrong addresses. l have lived at XXXX XXXX XXXX XXXX, Oh for XXXX years. all XXXX bureaus have multible addresseswhich i have never lived there. also theyhave a name XXXX ( my grandaughter ) which shoud not be on my report. also i have never applied for a XXXX account
Navy Federal Credit Union ran my credit last week without any permission from me! I have open disputes with them and they ran my credit without any authorization from me! They DO NOT have my permission to ever run my credit.
ECMC became the servicer of my student loans after, I unfortunately defaulted on my loans, which I am not able to understand, as I did not XXXX, yet someone received monies for studies in did not complete. Initially, XXXX was the collection agency " servicing " the loan, but after I became eligible for the income based program through XXXX, XXXX removed the accounts from my credit reports, however ECMC refuses to remove the negative items, but showing a XXXX balnce, but still reporting negatively, even after I have asked them more than once to remove them. These items are affecting my life hugely in a very negatively profound manner
i have sent in multiple complaints and have notified this company multiple times about my identity theft and somebody opening up accounts under my name. XXXX and XXXX  have already removed these accounts from my report. i received a notification from your company stating that these accounts do belong to me.? obliviously the accounts are going to have my information on them since they were opened under my name. Who ever hacked my personal information/identity used my information to obtain these accounts. please remove these as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX
On XXXX XXXX, I received a letter from Blitt & Gaines regarding a debt. The debt was in the amount of {$14000.00} and from XXXX XXXX. I have no idea what this debt is, so I responded to the letter with a certified letter asking for the amount and age of the original debt, the name of the original debtor, a copy of the last billing statement sent from the original creditor, if there were any payments made on the debt, and any interest, fees etc on the debt. They followed up with a letter stating the name of the original creditor was XXXX XXXX XXXX, and a different amount of {$14000.00} owed, an assignment of the bill of sale of the debt from XXXX to XXXX XXXX dated XXXX XXXX, XXXX, and a copy of a court document dated XXXX/XXXX/XXXX stating that the default amount of the debt from XXXX was {$9500.00}. I do not know the dates of the original debt, I was never notified of this court hearing and I am under the impression that this debt was paid in full to XXXX. I do n't remember having ANY contact with XXXX XXXX. I am still unclear what the {$5400.00} difference is in the amount owed and the current amount and I do n't feel I have a clear understanding where this debt came from and when the original debt supposedly went into default. I think this debt is beyond the statute of limitations in Illinois and is time-barred.
I had a massive house fire that damaged everything in my home. My kitchen was gone. The insurance company suggested I hire a professional cleaning company to work on my house, and I called them. The company failed to complete work, and were also contracted to rebuild. They never started the rebuild. This happened around XXXX 2016. Around XX/XX/XXXX we finally settled on how much they were owed and I looked for a new contractor. I could not find many, and most were very expensive. I also was told by the mortgage company that the rest of the insurance funds would be held until the house was finished. I was able to secure a contractor, but I told the mortgage company without those funds I could not pay the contractor and my mortgage at the same time. I fell behind in my mortgage payments by six months, and ended up losing my contractor because they would not finish the work without being paid. The mortgage company refused to help and continued withholding the funds. I finished the work and had the final inspection, and got the large sum they were holding, and caught back up on my mortgage, paid the constructor, and caught up elsewhere. They knew they were negatively impacting my life and health. They knew what they were doing was morally unconscionable. They claim they followed their rules. They did not. They said they could not release funds because of the contractor license and some other inspection nonsense. It was absurd. They knew the position they put me in and they did n't care! Their behavior is reprehensible.
The issue is that Equifax has no record of me. ( I was able to get valid credit reports from all other credit bureau such as XXXX and XXXX. ) In XX/XX/2018, I was trying to apply for mortgage, and my lender told me that someone else showed up on my Equifax credit report. That person has a different name, different SSN and different birthday from me. Therefore the Equifax credit report was clearly wrong and can not be used to apply for mortgage. 

I called Equifax immediately and I was told that they could not locate my record using my SSN therefore its system somehow generated a wrong report instead. I was told to fax my SSN copy and other materials so that they could look into it. 

I sent all the information immediately the day after ( around mid XX/XX/2018 ). After a few days, I called Equifax to check whether they received it. I was told that I needed to wait for 10 business days before they could tell me whether they received it. 

After 10 days, I called again, and was told that they did not receive it and all I could do was to fax everything again. I was really upset but I did fax everything again on the next day ( around beginning XX/XX/2018 ) After 10 days, I called again and was told that they still did not receive it. I validated the fax number and confirmed that I was using the correct one both times. I was told to wait for a month because it would take them a month 's time to check if they receive my documents. 

In the meantime, I called my credit card companies ( XXXX and XXXX ), and both companies confirmed that they have always been sending my credit information to credit bureau including Equifax. This matches the fact that I can get correct credit reports from all other credit bureau. 

I waited a month and received their reply by mail. However, in the mail, I was referred to using the wrong name ( the one showed up incorrectly in my report ). They told me that they could not locate my credit report and asked me to fax everything again. It has been over a month and no progress was made. 

At this point I am really frustrated and do not know what else I can do to fix my credit report in Equifax.
I forgot to set up auto pay but never received a late payment notice or a phone call from Wells Fargo. The first time that they called me I answered the phone and when they told me I was late on one payment and the next payment was due, I immediately paid them both and went online and tried to set up automatic payments. Which I had to do at a later date because it would n't allow me to do it on the same day that I had scheduled a payment. It was n't until I applied for another loan That I found out they had reported it as having gone to collections at the credit bureau, although they had never started a collection process. They Temporarily ruined my credit, we were unable to make the purchase and it caused me great concern about restoring my credit. I contacted them and the credit bureau. They would do nothing to help and said they consider a loan to be in collections a week after it is due. What an abuse of the power they have over consumers.
I sent a letter of dispute asking for them to validate the amount they were attempting to collect by sending a signed contract. They did not send the information I requested, but instead reported to the credit bureau 's that it had been validated when in fact they are still investigating the claim. They also sent a letter stating that I had to request substantiation of my account if I rewrite them again. I have informed them that they are are required by federal law to validate - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Waypoint Resource Group has on file of the accounts listed below. Please provide me a complete copy of all the information that was transmitted to the 3 major credit bureaus as part of their investigation, as required by FCRA. 

Accounts disputed : Waypoint Resource Group Account Number : XXXX Amount : {$110.00} Waypoint Resource Group Account Number : Unknown Amount : {$1200.00}
There is a $ XXXX medical debt through XXXX County reporting, cost is unknown as the financial department was to take care of the remaining balance years ago. I have disputed this account and nothing was ever investigated or provided to me. This is inaccurate. Please help
I attempted to purchase XXXX {$85.00} XXXX gift cards with my credit card via Paypal 's website. For unexplained reasons, I was only able to purchase XXXX of these as intended. For the last XXXX, PayPal only gave me the option to purchase with PayPal Credit. I reluctantly did so. No disclosures were made to me as to the details of the transaction with them to the best of my knowledge, but I was generally aware that they offered 6 months interest free on the purchase. 

I monitored my account on at least a monthly basis, as I wanted to make sure and avoid the interest. Each " e-statement '' I was e-mailed indicated a balance of {$170.00} and a minimum payment of {$0.00}. I was waiting for a statement that indicated a payment due so that I could pay in full and avoid interest. However, the first statement I received that showed a payment due was this month, and {$18.00} was already added to my balance. I had no warning that this interest would be added, and had never received any statement that seems to have indicated that the deferred interest would be charged until it already had been. I called Paypal and spoke to both a representative and a supervisor- the latter after approximately 20 minutes on hold- both of whom claimed they were not allowed to waive this interest, even if I paid in full today. 

I inquired as to the reason I was forced to use PayPal credit for my purchase instead of my credit card. The supervisor told me that sometimes there are purchase limitations for credit card purchases based on account history, but he said that my credit line had been open for some time and always in good standing, and that he ca n't understand why I would have been limited in this way. 

I believe that it was abusive to force me to use PayPal Credit ( apparently without justification under the company 's own policies ), and that it was deceptive to charge me more than 10 % of the balance without any warning, while leading me to believe that no payment was yet due.
The purpose of this complaint is to voice my concern over an allege fraudulent account that may have been opened in my name. 

Additionally, I have had a mortgage account with Wells Fargo for over 20 years. Just recently I experienced several set-backs with my finances and asked them to work with me in a possible " loan modification ''. Wells Fargo refused and requested that I seek out other Government Agencies for help. Since I have been a loyal customer with Wells Fargo, I want your office to intervene in processing my request for assistance in paying my past due mortgage payment.
XXXX client, XXXX XXXX is a victim of identity theft. He reviewed a consumer credit report and found several inquires related to cash advance loans were made into his credit reports without his consent. While no loans related to the applications were established, the process did leave inquiries on his credit reports. Official disputes were mailed to the various offices where the inquiries were made however as of this date, those offices have failed to make contact or give an update as to the status of the investigation or the removal of the inquiry information. Those offices are, King of Kash, notified of the fraudulent inquiry made in to a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX XXXX, notified of a fraudulent inquiry into a XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ), XXXX  XXXX, notified of fraudulent inquiry into XXXX report XX/XX/2018 ( the dispute was mailed XX/XX/2018 ).
Ive explained that I have been out of the country for 10 years to XXXX XXXX XXXX XXXX and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
Have a letter from CEDAR Financial saying I owe {$56.00} to creditor " XXXX XXXX '' FILE # XXXX. 

I 'VE NEVER SET FOOT IN THE COUNTRY OF XXXX. THEIR CONTACT, WITH NO EVIDENCE, PAPER TRAIL, OR RESEARCH IS LACKING, AND WILL NOT BE THREATENED BY THEIR ATTEMPT TO COLLECT THIS DEBT! 

CEDAR FINANCIAL : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
My wife of 3 months was admitted to XXXX XXXX XXXX XXXX. She signed herself in, used her insurance card and was there for a few days. At the time, had her own insurance policy, her own bank account and filed her own tax returns. While trying to pay her debt to the hospital and working with her insurance company, the hospital turned her into collections. 
At the present time I am trying to get a home loan and this collection showed up on my credit report. When I spoke with CCS ( a collection agency from XXXX CA XXXX, they told me that they had every right to post this to my credit report because California state law says they can go after a spouse to collect a debt. They cited XXXX XXXX XXXX XXXX XXXX. The person I spoke with was XXXX XXXX. 
I spoke with someone from your agency and was told that CCS can not do that. That we all have our OWN individual credit history and this was my wife 's history, not mine. She has since paid off this debt.
I had to short sale my home which involved a XXXX mortgage and a XXXX mortgage. The sale finalized on XXXX 2011. The XXXX mortgage shows the loan paid and cleared on my credit report as of XXXX 2011. Citibank, who held the XXXX mortgage, is still showing the XXXX mortgage as currently late on my credit report. I have spoken to Citibank and have sent them THEIR paperwork that shows they accepted payment but I have only received a letter back from them asking that they can not do further research until I pull my credit and give them a detailed explanation. I have spoken to XXXX representatives who have told me they will take care of this and still I am waiting. I need this cleared so I can complete the purchase on my new home.
XX/XX/2016 I spoke with a representative of XXXX XXXX XXXX and was informed that this company would help in the Student Loan Forgiveness Program. 2 other family members and I were told that a discount would be applied for working with the government. Also, payments would come out of my account monthly. I was informed by a representative of XXXX that I had sign a contract and I was approved. The third party company is Equitable and they cant give any information out. Equitable also told me if i did not paid it. It will be on my credit report because they processed the paperwork and that what I am paying for. They told me to call XXXX for additional information. I was also told once the loan is paid off I wouldn't have to worry about a Student loan  because it will be paid in full.
Attempt to collect a debt that is not mine. Please investigate Omega RMS, because they 're trying to collect money from me twice with a XXXX different amount at {$28000.00} each account that is not mine.