WillisBack/dataset-financial-user-claim huggingface dataset:
User of secured Master Card ( Credit card ) issued by XXXX XXXX XXXX on XX/XX/2017 and banker is XXXX XXXX XXXX  but unfortunately I am not been able to get my credit score. Contacted my bank and Card issuer and came to know that my account is being freeze by Credit reporting agency. Credit Card issuer not provided adequate support to resolve the issue only respond by generic letter which is vague. As part of my Initiative to resolve the issue I contacted XXXX XXXX and created a file XXXX. As per their requirement provided all the docs e.g. copy of Driving License, Copy of SSN, Copy of Bank Statements but without resolving the issue and without providing any reasonable explanation close my file by XXXX XXXX. Not showing helping attitude to resolve the issue, even not clearly mentioned which was the point of dispute. Hope the reporting agency will come forward to unfreeze my account that I can get Credit report.
My complaint is regarding Trans union dropping my credit score 113 points without merit and without explanation abuse of correct credit score cause me significant damages after long time of repairing my credit score Thanks
Account Resolution Services, LLC ACC # XXXXPhone : ( XXXX ) XXXXFax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXXDear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Account Resolution Services, LLC ACC # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Account Resolution Services, LLC ACC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX, and Experian are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX , XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} XXXX XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.
I was laid off from my job, I applied for a Modification was denied and was told that I couldn't apply for an modification until XX/XX/XXXX ... Applied in XX/XX/XXXX was denied stating that I didn't make enough money, applied for an modification again in XX/XX/XXXX it was denied stating that someone in the has to be disabled, Applied for a modification again XX/XX/XXXX showing that my child was disabled and that I receive money for her disability call every week for 9 months on the status of the modification and have been getting the run around ... Last week XXXX XXXX a man was banging on my door screaming that he had legal documents to give me ... .it was documents from the courts that the mortgage company is foreclosing on my home less than two months from today. Also on the papers it stated that they filed against me on XX/XX/XXXX why did I receive the paperwork without an envelope on XX/XX/XXXX. This just can not be right. My home for XXXX years is about to be taken from under me and I just do not know what to do at this point.
OnXX/XX/XXXX I submitted a complaint ( case # XXXX ) against Stonegate Mortgage ( now known as XXXX XXXX XXXX ). In response to that complaint, XXXX XXXX XXXX stated ' I am working internally to ensure proper training is facilitated to our call center associates so that we may prevent this error in the future. '' I am writing this complaint to make it known that XXXX XXXX XXXX has become more deceitful in their practices. They breached the contract entered into XX/XX/XXXX by failing to issue a modification after I made the 3 trial payments and refused to acknowledge the date of our contract. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a servicer who went into my backyard and had my XXXX year old daughter signed court papers. The servicer told her that the bank was going to take her house away. My daughter was very disturbed by that. With tears in her eyes, she asked me over and over again if that was true. My daughter had been through a lot of turmoil beginning with my divorce which forced us to relocate, an absentee father and my battle with XXXX and several related XX/XX/XXXX ; last one on XX/XX/XXXX. She had been in XXXX XXXX but now attends regular classes and was doing well until a stranger told her that she was loosing her home. Does XXXX XXXX XXXX have the right to threaten a child with loss of her home? 

While trying to obtain a second modification, I was told by XXXX XXXX XXXX ( XXXX ) that my time to send additional papers had expired, which was a falsehood. XXXX XXXX XXXX ( XXXX ) contacted me on XX/XX/XXXX and informed me that my second attempt at modification was denied due to reasons that I was delinquent on the first one within 60 days. This was also a lie because I made 7 consecutive on-time payments and they defaulted on the contract. She proceeded to tell me that my house would be put for sale within 15 days which was a lie. I ended up in the ER after that phone call. XXXX contacted me a few days later and stated '' do n't bother filing for an appeal because our decision is final, '' which was also a lie since I have the right to file an appeal. 

Thereafter, they constantly called and harassed me at all hours of the day even when I was at work. Many times I was with a hospice patients. Doing my job demand that I have my cell phone on me. It was disturbing so I started making notations. For example, they called me on XX/XX/XXXXat XXXX XXXX  and on XX/XX/XXXX at XXXX XXXX. Each time I picked up, the person on the other line hung up the phone. OnXX/XX/XXXX at XXXX XXXXXX/XX/XXXX, they called me and when I answered the phone, it was a voicemail. OnXX/XX/XXXXhey called me at XXXX but when I did not answer in fear that they would hang up on me. OnXX/XX/XXXX, they called me and when I answered the phone, again no answer. As I am writing this letter today,XX/XX/XXXX at XXXX XXXX, they called me but I was too afraid to answer the phone. 

I understand that XXXX XXXX XXXX has the right to contact me by phone but do they have the right to harass me? I now live in fear of answering the phone when I see their number.
My XXXX Visa credit card account should not have a balance of {$3900.00}. Thats a incorrect balance. I should have a recent balance of {$0.00}. Please delete and permanently block the balance reported on my XXXX Visa credit card account.
I am on the phone with Equifax. After providing them with the correct information and other important information about myself on unsecured phone lines Equifax refuses to correct my report as it should have been to start with. This is a problem as anyone can use this to destroy my credit. They must be limited to your name SSN, DOB and current correct phone number and email address on file to protect Citizens. Equifax must send a code to allow Citizens to see their Credit Report and Score in real time once we have this information. Equifax also refuses to provide me with my correct and current Credit Report and Credit Score. Equifax has put me on hold for more then 10 minutes and just returned to the line. Equifax still insist 's that I pay them a fee of {$7.00} to send me my current Personal Credit Report with the Score. Through contact with my Bank, XXXX XXXX and XXXX I discovered that Equifax lowered my Credit Score 85 points from XXXX to XXXX and then again the next day another 3 points to XXXX. It is still going down and is incorrect. My Bankruptcy is older then 10 years and it is still being reported and used against me. There is no Mortgage information being reported even though I have two mortgages. A CALVET loan not reported to Equifax and VA loan now being reported by XXXX XXXX. It appears that there is a law that Credit Reporting Agencies are allowed to lower Credit Scores by as much as 100 points during the time a Mortgage has been transferred to another lender. This adversely effects Citizens and causes serious financial harm to the Citizen. It must be stopped in the interest of Justice!
I was part of an affiliate marketing business ( XXXX = XXXX XXXX XXXX XXXX ), that got shut down by the FTC. I charged the amount of about {$100000.00} with several credit cards, which almost all resolved the dispute by refunding my money. I charged XXXX with Chase Credit Card. Chase said I did not file in time. The charge happened in XXXX XXXX The shut down happened in XX/XX/XXXX I purchased XXXX to different locations which did not happen because of the shut down. Before the shutdown I submitted my card to a debt relief group " XXXX XXXX   '' ( XXXX ), I told XXXX that my business does not exist anymore due to the US government and XXXX  said they will file a dispute. I made sure that this happened and XXXX said they did file the dispute. Recently I got my credit back thinking that the dispute was resolved, but the other day I got a call from Chase and they are now denying my dispute. They are saying I filed the dispute too late! I would like help from you to get the money back, since I can not attend any XXXX, no more websites, no response through emails, ... My online account does not exist anymore, Chase canceled it and I can't even see my statements
In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with XXXX, XXXX, and Equifax. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!
ACCOUNT DETAILS Account Name SYNCB/LOWES Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XXXX XXXX, XXXX Account Status Closed Payment Status Charge-off Status Updated XXXX XXXX, XXXX Balance {$17000.00} Balance Updated XXXX XXXX, XXXX my social is XXXX im XXXX XXXX
RE XXXX XXXX CITIBANK CARD : XXXX : RE MY XXXX XXXX CARD, activated as of XXXX : Ca n't login - no such card info. ( Set up wXXXX XXXX via phone ; all I have to do is login XXXX and link accounts if I want them linked ) .Could n't login - message said no such card information on file by XXXX. Called XXXX XXXX card XXXX XXXX & was disconnected 3xs. 
Tried to login to my XXXX XXXX - said information provided does n't match XXXX info ; received a message I tried to login too many times, have to wait at least XXXX hours to try to login again. Called XXXX ( my regular XXXX number, waited 10 min ; tried to talk XXXX XXXX XXXX who was next to impossible to understand. He said he could n't help me - call back in XXXX5 hours because they were " updating all accounts. '' Told me to call XXXX for help with my CitiCard login problems! ABSURD. NOT AS ADVERTISED. INADEQUATE ASSISTANCE. Need to use this XXXX XXXX card that replaced XXXX XXXX XXXX for bill pay and to buy truck gas.
I have contacted ChexSystems many times advising them of my bankruptcy and they are still continuing to report negative information about previous accounts including balances owed on those accounts whenever I attempt to open a bank account, so I am being declined. This is of course inaccurate since I have filed bankruptcy. I have also contacted them to request a copy of my report and they refuse to send it to me. This is harming me.
The banks Wells fargo and XXXX have a charge off on my credit that I do n't owe on and they refuse to verify the debt
I received a call on XX/XX/XXXX from from XXXX stating I owed a payday loan to a company in a state I lived in in XX/XX/XXXX. I did not take out a payday loan although they did have my correct address at the time. When I informed the rep I spoke to that the phone call was being recorded ( I am also a debt collector ) she immediately put a supervisor on the phone was right upfront rude and threatening. I asked for supporting documents and he informed the complaint they want to deliver is supporting documentation. When I refused to update my address he informed me I was breaking the law and " good luck in court. We will investigate and we will find you '' and then hung up. The number was XXXX. I am in the process of creating and sending a cease attempt to collect letter to the multiple addresses listedXXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Dear Customer Service Representative, I need your help. I am a XXXX XXXX Veteran. I would like to keep my home. I would like to refinance my home mortgage with a VA loan. I have already received a Certificate of Eligibility from the U.S. Veterans Administration. My home loan was initially financed by XXXX. They sold my mortgage to Bayview Loan Servicing , LLC . I have had a lot of problems dealing with Bayview Loan Servicing , LLC . In my opinion, I believe that I am being discriminated against because I am a XXXX Veteran. I was recently admitted into the XXXX XXXX due to XXXX. I am not sure if they dealing in bad faith or if they totally incompetent. My foreclosure trial is XXXX XXXX, 2016. I desperately need your help. 

I have been contacting Bayview Loan Servicing , LLC . by phone, email, and express mail since XXXX of 2016. In XXXX of 2016, I sent them an updated Request for Mortgage Assistance via, fax, e-mail, and express UPS mail. They have NOT acknowledged receiving it. In fact, I have evidence that they have NOT READ and ERASED my e-mail on at least 3 occasions. I also have evidence that they purposely provided me with the INCORRECT mailing address on at least 15 occasions in less than 3 months. I am not sure if they dealing in bad faith or if they totally incompetent. 
The contact information for my new mortgage owner and servicer is as follows : Bayview Loan Service, LLC., Loan # XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , FL XXXX XXXX and XXXX ; XXXXXXXXXXXX and XXXXXXXXXXXX. My contact information is : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, CELL : XXXX and e-mail : XXXXXXXXXXXX. 
In summary, I would like to keep my home. I would like to refinance my home with a VA loan. I need for Bayview Loan Servicing , LLC to treat me fairly. I will appreciate ANY assistance that you could give me. My foreclosure trial is XXXX XXXX, 2016. Thank you. 

Very respectfully, XXXX XXXX, XXXX. 
XXXX Veteran XXXXXXXXXXXX XXXX : XXXX
Call from Wells Fargo XXXX on XXXX/XXXX/2015 Saturday XXXX about a payment made though my attorney for XXXX/XXXX/2015 XXXX for XXXX which was the wrong amount was provided - {$50.00} off for mortgage that is still in dispute as they have failed to answer a QWR ( twice ) yet have forcefully made me take a loan modification ; and even at that the amount was still incorrect ). It was paramount in the first few minutes of the XXXX minute call that the Wells Fargo Representatives were clearly uninformed. What I find odd is that the VP and Higher level personnel at Wells Fargo have said there is a XXXX day grace period on payments without penalty. Especially they said on this case. That was said in court in XXXX and has been the same ever since. They have been made aware of my attorney and have now been placing calls to me versus him. They say they have no record of representation even after XXXX years. They have now done this XXXX times. They say there is no record of anyone telling them that. Phone calls come from all over, California, Texas, Iowa, South Dakota, North Carolina, etc. XXXX gets a XXXX phone number to call back but then it is rerouted to someone else to regurgitate the story again only to be told they do n't see anything. This IS PHYSICALLY DEBILITATING AND CAUSES MAJOR ISSUES ( XXXX ). This is my only bad account and it stems from Wells Fargo misapplying payments and then hiding money. They have now sent XXXX refunds to me yet they say I am not paying my bill. Good reason is they do not even know how much I am supposed to be paying. Clearly they are not held accountable nor are they help liable to the FDCPA, FCRA nor Dood Frank measures. When will someone take on these " can do no wrong '' giants and do the " simple '' right " accurate and legal '' thing for consumers?
We purchased our home in 2007 and at that time P.M.I. was required. We were told 2 years of perfect payments and it would be removed and found out that was a lie. We have requested many times it be removed from our loan and they refused too. At their request, we had our home appraised by their appraiser and when it came back, we were at XXXX % L.T.V. and we are required to be at XXXX %. When we requested it be removed they told us it had to be at XXXX % so we offered to pay it down to the XXXX % L.T.V. to have it removed. They are now telling us it is based on the " original '' amount of what the home was worth when we refinanced a year ago! This is NOT what the law states! They are claiming the value of the home was {$230000.00} when THEY refinanced it for {$240000.00} so they are claiming to have advanced well over XXXX % L.T.V. at that time! We feel they are and have been taking advantage of us and need it to stop!
From the start I feel like they took advantage of me I told them I was n't a good reader they would have to explain it to me I did that so they can tell me face to face they never mentioned anything about 25 % interest being added to my {$12000.00} loan once I found out how much they said I owe on my credit report I immediately went up there and ask them to come and get it within two weeks of having the furniture
This complaint is associated with case # XXXX The complaint must be corrected as to the location of the property address which is incorrect as shown. The property address is : XXXX, DELAWARE XXXX Nationstar 's response to this complaint is unacceptable. For the past 6 years, Nationstar has used the same response to all queries- " We will check for error ''. We want our questions answered and want them to stop stalling. They have no escrow department and after all this time, they are admitting they have no idea where each of our payments went? This is what we want answered as per our complaint : Payments have been posted late, even though we have tracking numbers ; who is receiving these payments? The transaction history reports have been manipulated- each one is different ; payments were applied to a bogus escrow account rather than interest and principle as per the law. XXXX checks were returned and refused by Nationstar in order to force a manufactured default and ultimately an illegal foreclosure. A Nationstar witness in Court testified to the non-existence of an escrow account, yet Nationstar needs 30- 60 more days to determine if their witness was reliable!?!? Twice, Nationstar paid our homeowners insurance when it had already been paid. Why is Nationstar the MORTGAGEE on our insurance? They refuse to answer this!! 
This is an unacceptable response from Nationstar and we demand answers!! Not 60 days from now, but now! Do you need this time to make up answers?
Rush card is locking people out of there accounts when they said that everything was fix and I 'm still not able to access my funds or activate my card and everytime I call someone they either hung up or system is down also when they been on social media saying everything is fix LIES!!!!!!
Equifax mishandled my information in XXXX - XXXX 2017 which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Sent Trans Union a n otarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA sect ion 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 .  If you have no proof immediately of any or one, I would like it removed immediately. Trans Union has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
I sent an email to Navient regarding their consistent misapplication of funds in my account. They are lowering amounts showing due and pushing due dates back without my consent. I have instructed them not to alter due dates or amounts due when I add extra to my payments each month. 

When I emailed Navient, I got an auto-reply thinking me for my request to alter my due date. I am just dumbfounded how this company can be trusted with management of so many student loan accounts.
I purchased a vehicle in XXXX of 2014 and every credit inquiry is listed twice. All XXXX listed hard inquiries are for the same vehicle purchase.
The late payments is inaccurate. I wasnt late 30 and 60 days for two consecutive months. how is that even possible? please remove the account. The XXXX XXXX XXXX  XXXX XXXX,