WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of fraud. I have sent multiple of letters to Equifax to resolve this problem ; but the problem still not fix after three ( 3 ) months. I have sent a copy a police report with notarize documents to support my claim. I also sent copies of my drivers license, a utility bill in my name and my social security card. Equifax is not working to resolve my problems. I want these fraudulent accounts remove off of my credit reports. By law according to the FCRA I have rights and I will exercise my rights to get a lawyer if this problem is not fix within the next 30 days. I have ask for physical verification from these companies three months ago and still haven't receive anything. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original sign consumer contract- any of the accounts you post on my credit report. I demand to see proof. Also according to the FCRA it's against the law to report inaccurate information on a consumer credit report. I have notified Equifax on numerous occasions. I contacted Equifax on these specific dates XX/XX/2018 - XX/XX/2018 - XX/XX/2018. The fradulent accounts that's still showing up on my credit report is ( 1 ) XXXX-acct # XXXX ( 2 ) XXXX XXXX XXXX acct # XXXX ( 3 )  XXXX   XXXX.-acct # XXXX ( 3 ) XXXX-acct # XXXX ( 4 ) XXXX-account # XXXX ( 5 ) XXXX XXXX-acct # XXXX
I am writing to dispute the follow information in my file. 
XXXX XXXX - XXXX XXXX XXXX XXXX ON BOTH TransUnion & XXXX. for {$15000.00}. I 've contact this agency to advise to STOP CALLING ME this case was dismissed in court XXXX XXXX, 2014. Please see the attached document from XXXX County State Court. 
Thanking you in advanced regarding this matter.
The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates : -XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) -XX/XX/XXXX ( XXXX  XXXX XXXX XXXX ), -XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by Nevada XXXX and XXXX XXXX coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the Nevada XXXX, the Nevada Department of Health and Human Services and the Better Business Bureau if these issues continue to persist.
debt collector ( XXXX XXXX ) violates the FDCPA by falsifying and reopening the collection account of {$1100.00} which was first reported on XX/XX/XXXX with a new open dateXX/XX/XXXX which  made it to look fairly new account resulting in further hurting my credit score.
None of these fit my pending report which is Case number : XXXX. Sued in XXXX County Civil Court. Allegedly by Citibank South Dakota NA now calling themselves Citibank N A. Address is still XXXX XXXX South Dakota. Original law firm was known as XXXX XXXX XXXX XXXX XXXX XXXX now known apparently as XXXX XXXX same location in XXXX Texas. I have never been notified of a name change. I have sent the original law firm a request to release my homestead from the abstract judgment that was filed in the real property records. I am attaching this as not sure I sent it originally as I forgot to print my report. As the AJ is not detailed my homestead would be included. In Texas the homestead is exempt and I have requested a release by them as i sent a certified letter to XXXX XXXX XXXX as I believed still lawyer of record which is still unclear. You may deem me a failure to pay a debt but I fought in court against their law firm and defeated them 4 times in court. I deny the debt and I believe that the court granted it in error. I would not arbitrate as I again deny this debt. I however assert that it is an illegal practices to engage in a blatant disregard to a Texas law which identifies in the real estate codes what is admissible to seek actions for assets retrievable. Thus the financial institution with their law firm issued an Abstract Judgment as though there were no restrictions that were not within the guidelines of their reach. In my opinion this has been a long time practice of illegal actions and both parties have committed a crime. I have not committed a crime in the eyes of the law and which I deny I owe. I believe that they use intimidation, coercion, and reckless regard for the Texas Homestead Exemption to collect on legitimate or illegitimate debts via Abstract Judgments. I believe that since the statue of limitations can go on for 20 years that the crime has strong possibilities that past and future debt holders have or might pay is considerable and undeserving.
There is a child support on my experian credit, which is the wrong information because i have never in my life time had to pay child support i think they may have mistaken it with my son they need to check social security number more closely.
Hi. 
Tha complain is about Loan Care Bank where my mortgage company is after XXXX XXXX XXXX sold it to them. The thing is that I sent my payment on time from NY to PA that is their payment center and have passed 12 days and they said that this payment has not received and now came new month and I went to their website to check if the payment was receive and appears a note that says that my account is 30 days past due!! But I was reading reviews and I am not the only one that happened also they do not post the monthly statements on time. Now my credit score will be low just for something like this.
Received a letter of " Understnading FNMA Enhancements. '' I did call, the gentleman identified himself as XXXX. Said he was not at his computer and asked if I could call back in an half hour. I said sure. After Googling the Company, I understand this is a fradulent letter and company scam. They are listed as " The Morgage Link, Inc. XXXX @ XXXX '' no other information is identified.
I contacted Caliber after I moved in on XX/XX/XXXX and on XX/XX/XXXX my ceiling fell, and on XX/XX/XXXX damage to dining and basement from heavy rains. I spoke to Caliber home on 3 occasions. One the first call the representative told me that he would send out an application for a Forbearance. I filled out the application and returned it. I received notification from Caliber that my loan was in review for modification but not forbearance. I called and spoke to a second customer service rep who indicated that I would not receive a ding on my credit report because my account was not actually 30 days past due and that it was in modification. On XX/XX/XXXX, I received a 30 day late on my loan and immediately called Caliber but could not get through until XX/XX/XXXX. I spoke to a customer service rep and supervisor who both indicated that the previous reps did not give me the correct information. I advised that I have a late payment on my credit report and I want it removed because I was told that I would not receive any ding on my report. The Supervisor, XXXX at first did not believe me, but finally agreed to listen to the conversation with both reps and advised he would try to get XXXX payment updated. I advised XXXX that as a company and holder of my mortgage they have a duty to provide the consumer with correct information. You can not lie to the consumer on a recorded call, send documents that support the lie and then say no we can not use that program so you now have a late payment on your file. I advised XXXX that I do not have any late payments on other bills, in addition, I work for the federal government and can not have inaccurate information reporting on my credit report. I hope CFPB can assist me with this situation. It's so unfair that I have to go through this as a new home owner especially given the catastrophic damage to my home three days after my young daughter and I moved in.
I completed an application for a modification with Carrington Mortgage Services XXXX XXXX. I received a call last week stating that they could not assist me because they did not find a hardship. The total loan amount on my mortgage is {$100000.00}. The value according to the comps in my area are {$40000.00} and XXXX has the value as {$62.00}, XXXX. This is indeed a hardship to be paying more for a house than it is worth. I have a conventional loan therefore I am ineligible for the HARP and I originally purchased the home after XXXX XXXX, XXXX. I purchased the home XXXX XXXX, XXXX. I have not missed a payment because I do not want to hurt my credit. I get the feeling that they want me to miss a payment to qualify for their program but I do n't want to hurt my credit. I want them to see the situation that I am in for what it is and provide a solution. I suggested that they lower the principal or at least give me a lower interest rate. Right now I am paying 5.5 % when FHA is between 2.75 and 3.65 % today.
In XX/XX/XXXX I received a credit based student loan with Citibank for XXXX University at around 27,000.. 


I made payments of {$75.00} regularly until XX/XX/XXXX. 


I made attempts to work with Citibank to get a forbearance ( I am in good standing with all of my other student loan, whom had excellent student loan servicing in helping out during times of a tight budget ) in XX/XX/XXXX as the result of a tight budget in a few months in XX/XX/XXXX. Citibank were difficult to work with and they charged off my account then put me into collections. I asked for the name of the collection agency and phone number. However, the information they provided me was inaccurate. Thus, I waited for the collection agency to contact me and every year I would check my credit report waiting for the credit agency to report it to my credit report. In addition, I was in a custody battle that tightened my budget as the result of legal fees and other fees related to the custody battle for my daughter, of which I lost. As well, Citibank Student Loans became sued for misleading Student Loan service practices and were fined by the CFPB. XXXX : CFPB Takes Action Against Citibank For Student Loan Servicing Failures That Harmed Borrowers. Also, Citibank a couple of years ago off loaded some of their borrowers to XXXX XXXX as the result of similar issues with the CFPB. I did not pull my credit report at the end of XX/XX/XXXX, because at that time there were issues in the custody battle that retained my attention. At the end of XX/XX/XXXX I pulled my credit report and noticed a Citibank balance added to my credit report in XX/XX/XXXX and closed in XX/XX/XXXX, but it did not have a name of any collection agency. I went to the Citibank website and learned that they no longer service student loans from a lawsuit against them. The websites disclaimer read : Effective XX/XX/XXXX Citibank will no longer service student loans. If you received notification of the transfer of servicing of your private student loans from Citibank to XXXX XXXX, they can be reached at XXXX and by phone at XXXX. The website I went to was : studentloan.citibank.com. I called the phone number and they directed me to the phone number of two collection agencies. The first one I called did not have my debt, but the second one I called did have my debt. I informed the collection agency, XXXX, that I could give them a down payment and we could work out a monthly payment that they were agreeable with. On the other hand, I called the Consumer Protection hotline in Virginia and what other next steps I could take. They provided me general information that showed that my Citibank debt is outside the statute of limitations to be collected. Thus, I sought out an attorney that specialized in Fair Debt Collection Practices Act ( FDCPA ) to get clarification, if my Citibank balance is outside the statute of limitations. I learned that the debt is outside the statute of limitations and as the result of Citibank 's poor handling of my account could affect my security clearance.
Please refer to my previous CFPB cases : XXXX and XXXX I want to find out from US Bank that : 1 )  whether i received the {$200.00} cash bonus or not? 
2 ) I have n't received any paper statement. Rather than asking me to reach out to usps ( which i will ) - why not they investigate why the statements or notifications were send to me in time. 
3 ) I never had access to my online account. 
4 ) Apart from these fees - have US Bank also taken any other money from me?
We applied online for a Capital One Venture card that came with a XXXX point bonus on XX/XX/2018. We received an email that it would not be approved and a denial letter on XX/XX/XXXX. The denial reasons stated vary, including length of credit history, amount owed on account too high, proportions to high, and too many accounts with balances. The Credit agency is XXXX  and my credit score is XXXX. I have a copy of the report and nothing matches their reasons. We work very hard to maintain a clean report and have no history of fraud. 

I contacted the Application department on XX/XX/XXXX and spoke to XXXX. The recorded conversation should be reviewed as XXXX was completely helpless. On XX/XX/XXXX I sent a certified letter to Capital One request a review. As of XX/XX/XXXX, I have had not response.
I made additional principal payments with my previous loan servicing company - XXXX XXXX XXXX. Those payments were made on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they total {$11000.00}. On XXXX/XXXX/XXXX my loan was transferred to another service bank - Flagstar Bank. Flagstar Bank has the wrong principal balance. They do not have the {$11000.00} of payments on the account. I talked to their customer service a few times and every time they tell me to contact my previous loan service company and ask XXXX to send Flagstar the missing payments. I talked to XXXX XXXX XXXX a few times already and they keep telling me they have send the {$11000.00} to Flagstar. I told this Flagstar and I asked them to take the necessary steps and obtain the missing information and payments. I asked Flagstar to contact XXXX  and work with them but they would n't do that. They are not taking any additional steps to resolve this issue. I have also send Flagstar the following ledger and amortization schedule that I obtained from XXXX as a proof.
I applied and was approved for a Barclay Gold Card in XX/XX/XXXX because of the very generous benefits they offered XXXX Military ie waived {$990.00} annual fee, 0 % APR, etc. Shortly after the holidays, earlier this year, I was notified that Barclays was no longer going to honor waiving the {$990.00} fee and if my account wasnt closed prior to XX/XX/XXXX, I would be assessed that fee. I feel as if Barclays baited me into a great deal and then pulled the rug out as soon as i was approved and began using the card racking up a balance over the holidays. I now have a balance on a card that i need to close within the next 6 months or else i will incur a {$990.00} fee that I am not prepared to pay. I would never have applied for this CC if i knew i would have to pay a {$990.00} fee.
I was a loyal Macys customer since XXXX. Then around XXXX, I was out of work for several months due to my XXXX XXXX and was n't able to keep up with my credit card payments. When regained employment, I started making settlements with the various creditors I owed. Macys was my top priority, so I entered into a settlement agreement with them. Now, in XXXX, I am seeing that they are reporting that I still owe them {$1300.00} in credit card debt, which is not only inaccurate but devastating to my credit score.
I received a call from the Valentine and Kerbatas Collection company. The representative explained to me that she had me on a recorded line, however failed to name the company on the recorded line. She then proceeded to ask me to verify my SS # and DOB. I stopped her and asked her to provide me the name of the company again before I would validate or verify anything ... the lady got very upset with me and kept saying I was on a recorded line. I told her I did n't care and wanted more info about the company BEFORE giving any of my info. She then hung up on me.
I recently contacted Capital One for a 2 month extension until I can find another job since I was laid-off on XXXX/XXXX/16. I have filed for unemployment, which is not even half of what I was getting paid before, and unemployment will not kick in until the next few weeks. I was told that I could not be granted an extension. This is a SCRA account and I am a good paying and long term customer that needs some assistance.
Attn : XXXX XXXX Citi Bank Executive Response Unit, I have received your response to my inquiry. However, I am not requesting for " credit of the remaining portion of the disputed charge '' as you stated. I am requesting credit for late fees and interest charges as promised by your supervisors while I was striving to get my money back from the merchant, XXXX. I reported that XXXX was delaying in getting back to me due to time difference and business location and also customer service inadequacies. The merchant is located in California and XXXX and all correspondence came from XXXX. The supervisors I spoke with during that time told me that once this is sorted out, every interest charges and late fees will be refunded back to me. 

I paid every bill until XXXX 2016 when I stopped paying because every bill that I was paying was an interest charge due to my current balance then. If you look at my record you would verify this. I stopped using my card but I was still getting interest charges and late fees as a result of the current balance on my account. 98 % of this money has been returned by the merchant and I still payed all these extra fees and you want me to pay more? 

I request that you kindly remove all extra charges that was accumulated as a result of this incident and let me know the balance that is due me, if there is any, so I can make a payment. I do not agree that I owe what you billed me on my current balance. 

Thank you, XXXX XXXX
I attended XXXX XXXX in XXXX I stopped attending after becoming XXXX and I withdrew due to my research about the school and all of the lawsuits it had going on. Fast forward to XXXX and XXXX proceeding, I have this school loan showing on my credit and its causing harm to my name and credit profile because I do not owe loans for this school they should have been sent back to U.S. Department of Education once I withdrew and that did not happen also I had to consolidate these loans to try and help with my credit not being ruined and its unfortunate because these loans shouldve been forgiven. Everyone knows XXXX gives out false hope and false pretenses. I dont understand how I owe student loans when the money wasnt used at this school
Since 2013 I 've been receiving letters and calls from collection companies and XXXX Phone company, someone else under the name of XXXX XXXX used my identity to get different services including XXXX, XXXX did not verified my identity and allowed him with equipment and services using my name. 
On 2013 I discovered with my husband that we both were victims of Identity Theft, and we started submitting the information to the Police Department and followed with Credit Bureaus. 
The last company from which I received letter wasCredence Resource Management, LLCXXXX XXXX XXXX XXXX XXXX, TX XXXXit was on XXXX XXXX, XXXX called this collection company and reported them about the issue, XXXX has been selling my supposed debt through different companies, and after almost 3 years I 'm still dealing with bad credit report, letters and calls. 
I will submit a copy of the Police Report and the last letter that I received.
I received a notice from my credit monitoring service that Commonwealth Financial has added a derogatory ( collections ) account on my credit profile with XXXX. I have never heard of this company, never received any collections notice nor notice of right to dispute as required by federal ( FCRA ) and California ( CCRAA ) law.
Experian Has been notified and provided documents proving that the collection is invalid, and that XXXX, has not perfected the Collection, and that XXXX is reporting Improper and Inaccurate information as well. 

XXXX has been sent multiple certified mailings, and has failed to address ANY of them, and/or to provide verification of the debt. 

The " supposed '' debt was paid in a settlement agreement on my behalf by XXXX, and in addition XXXX is representing the debt as being in XXXX, when indeed the Last Delinquent Payment Period was XXXX XXXX. 

The debt was paid, and in addition the Statue of Limitations expired on this account as well, being it is WAY past the one year legal requirement for Federal and State of Florida, AND the credit card debt is greater than 7 years as well.
On XXXX XXXX XXXX Wakefield & Associates located at XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX received written communication from me requesting that they validate debt that is being reporting on my credit reports. One of the debt is {$1200.00} and the other debt is {$950.00}. I asked the company to provide me with proof that I signed off on to validate that both debts are indeed my own. The company has failed to do so. Wakefield & Associates is collecting a debt from an unknown medical practice. This company has yet to provide me with the requested at nearly 30 days now. For all that I know, the original creditor could have sent over fake receipts etc. Again, this company has failed to validate the said debt they are attempting to collect.I do n't know who the original creditor is, what they are billing me for, nor proof of me physically signing off to agree to be billed
About two years ago i purchased a copy of my credit report and noticed there exist a collection account for an unpaid XXXX XXXX XXXX and few other account that was not mine and i did not applied for any of them. After contacting credit bureaus i was informed that i need it to file a police report and also an FTC report which i did and send it to credit bureaus and the original source. They all did removed the fraudulent account from my report and everything was great till when i tried to refinance my home and i got turned down due to this collection account which they reinserted on my credit report and re aged it. Again i sent my dispute letters to credit bureaus and the ERC collection agency and in my letters to them i enclosed a copy of my police report and my FTC report. Not only they have not removed this fraudulent account from my credit report they sent letters to credit bureaus that this account belongs to me and been verified. So far this company caused me a great deal of stress and money and i need your help to resolve this issue.
I have disputed XXXX ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to XXXX when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. 

I don't know what Lazega & Johanson LLC is. I've reached out directly to this company. I have two unauthorized inquiries ( XXXX, XXXX ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.