WillisBack/dataset-financial-user-claim huggingface dataset:
Noticed a hard inquiry on my credit report from XXXX XXXX  XXXX today XXXX-17. I DID NOT authorize this. The address on file is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX. I called the phone number XXXX and it gives you some option but it ended up giving you a busy signal.
Consumer received a letter in the mail from XXXX XXXX XXXX, XXXX. atty stating from district court, a summary of judgement against all parties stated above, XXXX AND XXXX XXXX, U.S.A., HUD, XXXX AND XXXX were never served or notified regarding any court date or aware of intent to proceed without responding to the request to the letters we have sent. This has cause violation of our rights. U.S.C. 1692 1692p, approved on XX/XX/1977, 3-302.  HOLDER IN DUE COURSE.. I am contacting You as trustee of our affairs and also representing the U.S.A, We are wanting assistance in this fraud.
The credit card company American Express is not issuing rewards on a consistent or timely manner. I have the Blue Cash Everyday ( SM ) card and I earned {$57.00} in reward dollars for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016. They said there was a one-month delay for redeeming these dollars, and so I was not able to redeem them until XXXX XXXX, 2016 ( 1 month delay ). I earned another {$54.00} for the cycle XXXX XXXX, 2016-XXXX XXXX, 2016, and they are now telling me that I can not redeem the dollars until after XXXX XXXX ( 2 month delay ). When I inquired as to why there is a 2 month delay for this cycle versus a 1 month delay for the last cycle, I could not get a clear answer out of the two different people I spoke with. One person told me the bill had to be paid in full ( not just the minimum payment due ) and another person told me they were having system errors. It seems their rewards program is very disorganized and as a customer, it is difficult to figure out what to expect. The whole reason I signed up for this card was for the rewards, and it is difficult to imagine that in XXXX I have n't received my rewards dollars from XXXX. Their practices are not fair, I do not recommend this card to anyone and I will be closing my account once my reward dollars are redeemed ( hopefully before 2016 is over! ).
XXXX XXXX 2015 contacted my current mortgage company to refiance my loan. They did credit check, appaissor done, was sent appraissal copy then for month no communication after i kept emailing for a status, then given false info abt title company called them was fixed loan processor still no communication after calls & emails. I called the ditech guy he then called a supervisor gave me another person as loan processor. She said things needed fixed before closing well all this time 2 months no one told us, got these fixed but then title company XXXX had papers since XXXX XXXX 2015 nvr cleared title for closing. Until after XXXX XXXX 2015 which then expired my application. Told all need to do was resubmit for application loan then they called saying ur credit now lower ( ya XXXX hard inquiry by them in 4 months ) cant do conventional but can do fha loan costing more. Ive paid my mortgage for 20 years same address but now they stalled around for months telling me false statement when application expired ( have email as proof ) can just resubmit knocked my score lower and trying to act like its ok they stalled around no communication for months on something they do everyday as professionals. How is a person to do as they need to when these companies seem to get away with stalling or right out lie abt process after their mistakes which they admitted to.
I have disputed the same incorrect address on both XXXX and Equifax multiple times. This address was placed on my credit reports fraudulently along with many hard inquiries that I have also disputed multiple times. These two credit bureaus have done nothing to remedy this. The address in question is linked with phone numbers that are not mine. They are in a state that I have never resided in. I have called them both and they keep telling me that they are removing the address and phone # 's but they are still there. I uploaded the pages from my credit reports in question. The items that I marked are the ones that I disputed which inculde the address and phone numbers. 
I put both together I was afraid that I wouldn 'd be able to file a complaint separately I am sorry for that.
On XX/XX/XXXX I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/XXXX XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to XXXX  XX/XX/XXXX proving I tried to dispute the account XXXX received and signed for the letter XX/XX/XXXX. XXXX did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
I had a GA tax lien on my credit report sinc e  X/2011  in  the amount of {$1400.00} that has been paid and satisfied.I requested for the lien to be removed from all  XXXX  credit bureau agencies.  (   XXXX , Experian and  XXXX   ) but has not been done.The GA State tax sa id they do not report to credit bureau and  XXXX  GA  Superior court said  they do not also. I tried to pull my name up on     XXXX   XXXX   XXXX   but nothing comes up under my name so this is proof I have no outstanding state tax liens.     This is affecting m y credit score signifi cantly and I desperately need help getting this removed.
I purchase my home in XX/XX/XXXX, I had a XXXX mortgage as well to buy the home. In XX/XX/XXXX I asked the XXXX mortgage company if I could refinance the loan and include the XXXX mortgage with the XXXX. # # # # Bank is the first holder and they redid the loan to lower the interest and I thought they had included the XXXX mortgage so I stopped making payments on the XXXX mortgage. 
From XX/XX/XXXX until about 30 days ago I never got a letter from the XXXX mortgage, it also stopped showing up on my credit report. Now I am found out about the XXXX mortgage because I tried to refinance the loan again to lower my payments. I also found out they took it to court in XX/XX/XXXX and got a foreclose on the second note. I never got a notice from the sheriff department about this so I could have gone to court to defend myself. Now after I fell like I woke up the manner with them they have offered a loan modification that is more than I can afford {$13000.00} down and payments of {$1300.00} a month or they will foreclose on my home. I am now retired living on social security and hoped to live here the rest of my life.
Company GCFS recently contacted my HR department at my office disclosed they have a judgment against me due to debt owed and they want to start garnishing my wages which i was not aware of I was never sent a letter to dispute the matter or even given a chance to take care of it. HR department never received a judgement letter or form stating the facts of which they made a call for. a similar situation happened about XX/XX/2015 with my previous employer they called the office same company GCFS this time a name was given to call XXXX XXXX called XXXX disclosed that I owe debt and they want to add the the wage garnishment over the phone also gave a file # to call the court office with a file # stating that his call is true and debt is owed but file was never discovered and by that time I called GCFS and stated that they stop calling me and stop calling any and all employment past or future and it seems they did not get the message as this year they called my new employer with the same spiel that I owe debt and they want to add the wage over the phone and they refused do take any action unless a certified judgement was in place. A letter was sent with package open mail was not protected and mail sent to place of employment was breached before it reached the office.
I disputed Account # XXXX XXXX XXXX XXXX with credit reporting agencies XXXX, Exquifax and XXXX XXXX on XXXX/XXXX/2016 as soon as this account appear on my credit report. I did not receive any commucation from XXXX XXXX XXXX and I did not receive any letter of validation statement with disclosure to let me know about this account or any other account that I had open from any medical bills. Below is the respond from Equifax and XXXX The Results Of Our Reinvestigation Collection Agency Information ( This section includes accounts that have been placed for collection with a collection agency. ) XXXX We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX CT XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class XXXX XXXX ; Client XXXX XXXX XXXX XXXX ; Amount {$410.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XXXX ; Balance as of XXXX {$410.00} ; XXXX ; Account # XXXX ; XXXX : XXXX XXXX XXXX XXXX CT XXXX : ( XXXX ) XXXX
I have contacted the credit reporting companies in the past to have them remove the multiple listings of several accounts, yet they continue to report them. I wish to have these items removed immediately.
This company has no validated this debt and I have not held a negative balance with this institution. This account with closed with a {$0.00} balance and company refuses to work with me.
I set up a balance transfer from my XXXX credit card to my Wells Fargo credit card on XXXX/XXXX/2015 in the amount of {$7500.00}. The transfer was initiated through Wells Fargo, and they were to send the funds to my XXXX account. The balance appeared on my Wells Fargo bill very quickly, but has never been applied to my XXXX account. I 've talked to XXXX banks many times, but with no resolution. XXXX banks claim to have done multiple investigations to find the transaction from Wells Fargo to XXXX, and both claim to find no issue on their end. 

XXXX has informed me all they need from Wells Fargo is a transmittal report for the wire transfer ( which was described to me as a receipt for the transaction ). Wells Fargo says that they " do n't do transmittal reports '' or any other type of confirmation, other than their internal tracking number ( which is useless to XXXX ). When I asked why they ca n't give me a receipt, I was informed that it is their information and they do n't have to share it with me. 

I 've been trying to get this resolved for more than a year. During this year I 've been having to pay XXXX bills, not to mention the additional interest on my XXXX credit card ( about {$1300.00} ). 

Since this balance transfer was initiated, I 've only been able to make the minimum payment on these XXXX credit cards, instead of being able to pay down XXXX credit card. As XXXX cards have been close to their limits during this time, this has negatively affected my credit score. 

Neither bank is willing to communicate with the other to get this issue resolved, and I do n't know how to proceed. 

See attached file " XXXX '' for a summary of interactions I 've had with Wells Fargo and XXXX representatives in an effort to get the issue resolved.
The debt collector is repeatedly calling my father 's cell # that I listed above. They also have called my cell # on several occasions. I do not know who these people are or what debtor they represent.
The original balance was XXXX. They gave me a minimum payment amount of XXXX. I gave a XXXX payment that was never credit and the charges doubled to XXXX. The payment was never credited
On XX/XX/XXXX I started the process of applying for a loan with Big Picture Loans. I had decided I was n't going to go through with it so I did n't call them to finalize the loan. They put the loan through anyway. Plus, I did n't get informed of the very high interest rate until after the loan was processed. The loan was processed on XX/XX/XXXX for {$970.00}. I have paid {$570.00} to them since that time and the loan company says this is interest paid only. I ca n't afford this.
Nationstar Mortgage company lost 5 monthly mortgage checks of mine and ruined my credit score. 
I have sent them proof that I paid, by sending them cancelled/cashed checks, but have not gotten a reply from them since. 
Instead they sent me a statement, showing I failed to make 5 mortgage payments, which is incorrect as I mentioned. 
To top it all off, Nationstar just send me a notice of foreclosure. 
I have been paying my mortgage for 8 1/2 years, and have never been late, and I can prove it. 
I can not get hold of any person in charge at Nationstar Mortgage, that can stop this predatory and illegal foreclosure!! 
On top of that, they are now demanding a 50 % increase in my mortgage payments, even though I signed a fixed 15 year loan at 6 1/4 %. 
Reason given : I did not pay my mortgage for 5 months, therefore they demand that I open an escrow shortage account at monthly payments of {$750.00} instead {$470.00}, an increase of approx. 50 % in monthly payments. 
I do not want an escrow account, since I have been paying my taxes and insurance myself. 
Nationstar also refuses to refund {$950.00} in overpaid escrow fund charges. 
To put it in a nutshell : Nationstar owes me {$950.00} and I owe them nothing, since I 'm paid up with my mortgage payments. 
And now they want to foreclose - that got to be a cruel joke! 
This is a mortgage company from XXXX. 
PLEASE HELP!!
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : PLS, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX in XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about 6 or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?
I notice in may if this your about all the inquiries kept coming on to my credit report i didnt authorize starting in XXXX I sent them all types of proof I called over and over and then now its has been a security breach with them
Alerted by XXXX that Barclaycard reduced my line of credit. Contacted creditor over the phone. Informed that there decision was not based on my credit history payment or my ability to pay. They informed me that I had been using my other credit cards and asked why. I informed them that we have been fixing the house up as it is for sale and we have an offer on our home. Hoping to close escrow in the next 45 days. My income is more than enough to carry their payment as well as the other debt I have. Income to debt ratio is within guidelines. Pointed out that I have always paid them on time as well as paid off entire high balance several times within the last 2 years. 

They still were firm as said its not the perfect payment history I carry with them, or my fico, or my ability to pay. I mentioned to them, that reducing my line of credit will trickle a series of events with the other creditors which will affect my fico score. It is not fair to reduce my credit line when there is NO merited. This of course has caused me to be at the edge now of my balance with Barclay Bank of Delaware and the limit of my credit. Which is another factor impacting my fico. If this is not resolved, I have informed the creditor that I will be closing my account due to unfair credit practice. I should n't be punished for using my other credit cards which I have been paying all of them on time.
Company is not legally licensed to do business in my state. Interest rate not allowed per state usury laws.
RE : Consumer ID # XXXX I am a victim of Identity Theft and have had my information stolen and was fraudulently used to open accounts ( Credit Cards, Checking/Saving Accounts ). I have been in contact with the Credit Bureaus and disputed those accounts, I have also contacted the creditors of those accounts and made them aware that my information was fraudulently used to open accounts. I have also filed a police report with the XXXX Police Department regarding my situation and they have advised me to contact the proper credit bureaus and creditors to let them know of this matter. 

There are XXXX entries for a negative reporting on the report from XXXX and I have contacted chexsystem to dispute this as identity theft however they are not willing to investigate or remove this entry on my consumer report
Hi on my credit report there are information regarding my mortgage which is showing missing or late payments at that time i was going through loan modification, Now that was past, modification is done, but late payments are still showing on my credit report and its hurting me a lot and it keep me getting a car loan or anther credit card
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
I was shocked when I reviewed my credit report and found late payment on XXXX / XXXX / XXXX / XXXX / XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
I signed up XXXX 2017 with XXXX XXXX, XXXX XXXX, XXXX XXXX, tx for a monthly membership of {$8.00}. ABC Financial Inc is the monthly deducting company. 
XXXX XXXX XXXX, XXXX, AR XXXX Back in XX/XX/XXXX I informed them that I have been relocated overseas and I would like to cancel my membership. The clerk at the front desk said it will be cancelled. For two months ABC Financial Services was debiting my account for the fees. I called again and spoke with both the fitness club and ABC financial Services. ABC financial said they needed documentation to confirm my move. So I provided them with Government issued Visa and residency card as proof of the move.
Yesterday I received an email stating that it was not suffice and they needed a one way ticket.  I did n't keep the ticket. 

I have done what the ABC rep told me to do and ABC continues to charge me the monthly fee and late fee and service fee. Now totally {$39.00} a month. I have provided everything they need to cancel this membership and they a purposely delaying the cancellation to charge additional fee. 

I really feel upon my return they will damage my credit. 

Please help me resolve this matter. 

Thank you XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Accounts do not belong to me. 

Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX} Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX