WillisBack/dataset-financial-user-claim huggingface dataset:
Hi my name is XXXX XXXX and there are fraudulent credit inquiries on my credit reports that I have contacted the credit bureaus about before but it looks as if the companies told me they remove them but actually didn't. I am requesting that all credit inquiries that I have listed be removed off my credit file as I have been a victim of identity theft since XX/XX/XXXX at which point my ex husband was deported for using my identity as well as my sons. Please remove the following credit inquires as they do not belong to me XXXX and XXXX XXXX also there are addresses listed on my transunion report and XXXX report that are fraudulent that I have never lived at which at XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX   XXXX XXXX which are all fraud never lived there so please remove these fraudulent addresses. Also XXXX   is not reporting my job which I have been with since XX/XX/XXXX which is XXXX XXXX XXXX XXXX which needs to be reported as future creditors need to know that I have a stable job. This whole ordeal is draining me physically and emotionally I just want the credit score that I deserve. I always pay me bills on time being XXXX and having a XXXX child and being a victim of XXXX XXXX and identity theft please raise my score to the appropriate rating because what's being done to me is unfair.
I applied for a card through Desert Schools XXXX. They then transferred me to the third party ( Elan Financial Services ) at this time I kept getting an automated response that my card was to be shipped to me. This would not be a problem however I did not agree to any terms of this card at the time. I do not know what limit I am getting or what the terms are to it. The people at ( Elan Financial Services ) keep telling me I will not know the limit or the terms until I have received my card. This presents a problem because I would not want to open the card if the terms and limit were not acceptable to me prior to getting the card. Now when I get the card my credit will be hit showing that I have opened a card and closed it within days. This is predatory lending so that someone can make a commission by pushing a card without first getting the limit and terms accepted by the the consumer approved. This will adversely affect credit scores and thus access to future credit.
My husband and I bought our house XX/XX/XXXX for XXXX and two years later we did a refi XXXX for XXXX then GMAC went out of business in our area and then we were sent a letter that Ocwen Loan Servicing would be handling our loan and we had no Idea who the investor was on the loan. Today we are trying to sell the home and we owe more for the house now than we financed it for. We did do a modification on the loan but the escrow shortage was XXXX now its XXXX and how that happened we have no clue. Ocwen only notifies us of potential foreclosure and the added about XXXX to our home loan and told us that this is part of the modification and work out for our home. They refuse to research it for mistakes, which there are plenty. They do not have payments that were made when GMAC had our home loan nor do they have the records and will not try to fix the problem.
Contact Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Does not report the correct date of last delinquency. All of the payment information is incorrect and the debt which was charged off in XX/XX/2012 has been sold to a company that shows that I have been making payments which is incorrect. This company has re-aged my account which will impair my credit further. My understanding is that when a company willfully reports false information that it is a violation of The FCRA and must be permanently be deleted from my credit report. This makes this debt look like it is a new debt when indeed it is well past the SOL and is set to drop off of my credit report but now will be extended if this illegal practice is allowed.
Ive been trying to close my account for four months, over the phone with customer service, but they always hang up on me.
I HAVE APPLIED FOR HARDSHIP ASSISTANCE WITH MY CURRENT MORTGAGE COMPANY SHELLPOINT MORTGAGE AND WAS DENIED DUE TO HAVING EQUITY IN MY HOME. THIS IS ABSOLUTELY INCORRECT AS I HAVE XXXX MORTGAGES WHICH MAKES ME UNDERWATER. I TRIED TO EXPLAIN THIS TO MY ASSIGNED REPRESENTATIVE XXXX XXXX, HOWEVER IT IS APPARENT HE WAS NOT HIRED FOR CUSTOMER SERVICE BUT TO ARGUE THE POINT HE DOESN'T CARE NOR WILL THE COMPANY HE WORKS FOR WILL DO ANYTHING ABOUT IT. I HAVE BROKEN DOWN THE LIENS ON TITLE TO SHOW THAT I AM UNDERWATER ON THE PROPERTY AND SHOULD NOT BE DENIED FOR HAVING EQUITY AS HE STATED, HE SAID ITS NOT HIS PROBLEM. 

My mortgage balance on the first XXXX is {$240.00}, XXXX ( {$34000.00} delinquency estimate ) My mortgage balance on my second lien is {$100000.00} Total {$380000.00} Appraised value per representative {$350000.00}
I have requested and itemized statement from Sears ( Citicorp ) several times from the starting of the account to the present. We still have not received an itemized statement. We want to determine why the balance is so high. Every rep. we have contacted at Sears has given us a different answer from they can not send us an itemized statement to they are sending one out. As stated above we still have not received on.
A loss mitigation package was faxed to Ditech originally on XXXX/XXXX/2016 to start a loss mitigation review. A document request was made on XXXX/XXXX/2016 where bank statements, pay-stubs, and a new letter of employment was requested. XXXX XXXX started working at his employer on XXXX/XXXX/2016. On XXXX/XXXX/2016 a letter of employment stating the first date of employment was XXXX/XXXX/2016, salary, and wage along with his first pay-stub that was received dated XXXX/XXXX/2016 was sent to Ditech. When Ditech was contacted on XXXX/XXXX/2016 they stated that because he can not supply the 30 days worth of pay-stubs they do not have a complete packet. The review was then sequentially closed in XXXX because the 30 days pay-stubs could not be provided for the new job. The review should never been closed over documents that were not able to provide. A new packet had to be sent to them on XXXX/XXXX/2016 with all updated documents. When the lender was contacted on XXXX/XXXX/2016 XXXX XXXX, the representative at Ditech, stated that the account was removed from loss mitigation, they do not have the documents that were faxed on XXXX/XXXX/2016, and they still have a foreclosure sale listed for XXXX/XXXX/2016. The file has been active in loss mitigation since XXXX and they are violating dual tracking. They not ask for documents that are not possible to have and then close out the review to continue with foreclosure. The letter of employment is the verification that they need along with the only pay-stub received that is required and they could have reached a decision but instead they closed the review and are stating they are not receiving documents sent to them to continue with the foreclosure.. Pursuant to Regulation X of the Real Estate Settlement Procedures Act, 12 C.F.R.1024.41 ( g ) they are violating dual tracking.
XXXX XXXX, 2012, I registered for an alarm system and monitoring service for my home with XXXX XXXX. Immediately after installation, the equipment installed stopped working. I contacted the company and explained the situation. They refused to repair the problem. Consequently, we no longer paid for a service that had never been provided. Regrettably, several years later, I find that this company is pursuing me for this debt through a debt collection agency. This is a terrible business practice. The company is relying on the amount of time that has passed to pursue a bill that they had by no means earned.
XXXX  and Equifax will not remove unauthorized inquiries even when fraud alert was placed on report.
I have a XXXX private loans that belonged to XXXX XXXX, now Navient. I did not pay them for atleast 2 years due to being unemployed and financial hardship XX/XX/XXXX-XX/XX/XXXX. I started paying them 2 years ago ( XX/XX/XXXX ), was put into a rehabilitation program for my Federal Loans and passed through it. My private loans, however, still say that I 'm 19 payments behind and are in collection on my credit report. I have called Navient numberous times to try to settle my judgement on one of the private loans and to set monthly installments to settle the other debt. They only say to " keep doing what I 'm doing. '' and that I 'm in good withstanding. This is saying one thing to me, but on the reports, they are destroying me!
During my home loan process, I notified the loan officer the taxes were not correct on the XXXX. I was told this would be corrected. I just received my first mortgage bill and it does not show the correct amount. The mortgage company informed me that whatever I signed at closing and what the loan officer put in is what they will go by. I offered to send them the bill and directed them to the county site. They informed me again, nothing they can do.
Institution ( USAA Federal Savings Bank ) does not want to allow me access to websites and account information regarding an unsecured " personal '' loan that was used for business purposes. Originally I had access to this information but now the company is denying me access to any documents that reference or state the amount they approved of {$50000.00} and any history relating to it. ; This documentation is needed for financial reporting and records. They also canceled my automobile insurance which stayed up to date and other accounts I had with them and restricted online and mobile account access for quite some time due to this unsecured loan being charged off as of XX/XX/XXXX-XX/XX/XXXX. I contacted the company over the phone and in writing on several occasions and the company barely helped if any and the employees did n't even have the clearance or knowledge as to what was going on.
I am being help responsible for a account that is not mine I lost my information and this account was open fraudulently and the company is holding me responsible for the debt
I never seen these credit cards. XXXX. I never checked my credit because I Have n't tried to use any credit cards, I never wanted any. Everything I have is from cash. Now that I may need to use my credit I find Things I never seen before, this may be Identity theft. I do n't know how to fix this.
We have had a lot of trouble with Nation star mortgage. we had to hire a lawyer a couple years ago to resolve some issues. We have been making our payment within the standard period on the XX/XX/XXXX or XX/XX/XXXX of every month for years. every mortgage company has a deadline of the XX/XX/XXXX for payments. there are even financial advice columns about making sure you pay no later than the XX/XX/XXXX. after much research and a phone call with nation star i have discovered that this bank ( the only XXXX i can find ) actually has a 10 day period.. this company has been very confusing and hard to deal with. i have never heard or known of anybody who does n't know about the XX/XX/XXXX being the last day to pay. so even though they say now that there policy changed it is extremely shady and had we known we would have been paying on the XX/XX/XXXX. why would we always pay by the XX/XX/XXXX if we were knowingly late. so they give a grace period that is not the standard 15 days and now we are being forced to pay {$1800.00} in fees.
Sears closed my account with out any notification to me prior to closing the account. 
A week before my card was due to expire, I called customer service and ordered a new card. 
They never mentioned the account was closed. 
The new card arrived after my account was closed with out my knowledge. 
When the new card arrived with the expired card date I called Sears Card Service. 
That is when I was told the account was closed. 
I had a very large amount of rewards points that disappeared when the account was closed. I demanded that they be returned. They quoted me that the request had to be made with in 60 days of the account closing. I was calling less than 1 week after the account was closed, well with in the 60 day period. 
I spent many hours on the phone between three different areas of the credit card company and also the rewards management company. 
They all stated they would follow up with the proper people necessary to restore my rewards points. They lied. That never happened. 
The rewards points have a cash value and I want them restored. 

Now I have another problem. 
I went in person to a Sears store to make my last payment. I now have no valid credit card but, I did have the bottom portion of my statement with my account information. 
I made a {$300.00} payment to the statement that was mailed to me 0n XX/XX/18. 
This week in the mail I received two statements.

One statement has a late charge and no payment shown. 
The other statement shows a {$0.00} balance with a {$300.00} credit. 

I am completely frustrated trying to deal with these people and need your help please. 
I have been trying very hard to restore my good credit rating. This company seems to be doing everything possible to help destroy my credit. 
They are also very dishonest as they promised that my rewards points would be restored. That never happened. No one ever bothered to follow up with my request.
Reporting on Credit Reports for original creditor XXXX. I have no knowledge of this account and keep disputing. They have no proof of any kind of signature or me authorizing any purchases made for this account. And keeps reporting negative on my credit report
I apply payday loan the company name is check into cash and I fail to pay them because I lost my job since last year. Now they send me notices to pay it back. The worst thing happening now is that they giving a warrant of arrest that 's what they said if I do n't pay the amount I owe them. The word that they said they will give the case to XXXX Attorney file a suit against me writing bad check and fraud and they keep harassing me. And they used the XXXX. No XXXX XXXX and the XXXX of XXXX in XXXX XXXX I call them and verify what is this about, at the end they are to collect money from I owe this company. They to call people whom is put in reference in my application.
Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Debt collection agency is adding a additional 25 % in fees to balance owed to XXXX
I have tried to resolve this alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the one listed on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is not one but I requested it just in case I was remiss. I do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.
Dear Sir or Ma'am Our names are XXXX XXXX XXXX XXXX and XXXX XXXX. We applied for " Making Home Affordable " Home Loan Modification '' XXXX 2015 as we are experiencing financial hardship and responsible for XXXX of our sons who has a XXXX. We have been in our home 7 years. Our Mortgage is with CitiMortgage Inc. through Department of Veteran 's Administration VA Home loan. Citimortgage loan number XXXX. We have not received a decision on our Home Loan Modification application. This week we received notification of being referred to foreclosure. Just checking to see what options may be available to assist us in staying in our home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on BOTH my Equifax nad XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax and XXXX but allowed it to stay to intentionally hurt my credit score. 

I contacted both Equifax and XXXX on XX/XX/2018 and was told XXXX never contacted them.
ShellPoint Mortgage Servicing Company is not replying or reissuing a second lien release that they said would be edited for aproperty sell to happen. They were advised regarding and said they would forward to investors to have edits done, so, we could move to close. This was inXXXX. 2015. We had to cancel closing the day before ( twice this has happened because of them ) It took over two months to get this lien release in the firstplace. The seller attorneys office has contacted Shellpoint on numerous occasions to get status updates or timeline for new letter. They have failed toprovide any information. This is bad business practice on # Shellpoints part. # Shellpoint is not practicing good consumer business or relations. They are notworking to try and ensure they get any money or that both groups receive some level of compensation versus zero if foreclosure happens. # Shellpoint ispurposely prolonging this process and has negatively impacted this situation that could help both XXXX lien holder and allow XXXX lien holder ( Shellpoint ) torecover something, the seller to get relief, and me the buyer ' to have an affordable home. No one is holding # Shellpoint to a higher level of consumerrelations ( to be respectful, to be professional, and be honest and upfront ).
When I wasn't able to collect my bonus from Citibank I filed a complaint with cfpb. The bonus then posted. I moved my money to another bank via Citi check and waited for my Citibank checking account balance to show XXXX balance. When I went to close my account and was asked for the reason, I advised Citibank it was very difficult to collect the bonus and had to file a complaint with cfpb to receive it. At that time my account was blocked and I didn't have access to my funds. Citi then took the money back from my bank. 
After multiple contacts with Citi they assured me the money was in the mail as of XX/XX/XXXX and would arrive no later than XX/XX/XXXX. It did not arrive and now Citi states there is a block but will not tell us why there is a block. It appears to be due to the fact we filed a cfpb complaint but we can not verify. 
Today Citibank told us they are closing the account but will not tell us when. They advised us that when it is closed we will receive our money in 5-7 days. Possible the first week of XX/XX/XXXX. We don't have much confidence that they will actually follow through on this statement.
This loan provider continues to report negatively on my credit report. All of my other loans have been able to be deferred when I was in school, apply for a income driven repayment planned and or have a forbearance. This company has made it increasingly hard for me to reach anyone with regard to my account and making it become available. When I first called they told me that it was reassigned to a lawyer in Massachusetts. When I called them they were not able to give me any information about my account. The next time I called, they told me that my account had and reassigned to a lawyer in Tennessee. When I called them they were not able to give me any information about my account. The last and third time I called, I was told that it was reassigned to a lawyer in Tennessee, XXXX When I called them they were not able to give me any information, instead they said my account was reassigned to a company called EduCap. They gave me a phone number and when I called the phone number was not in service! I do n't know what I 'm supposed to do in terms of paying it off if I ca n't reach anyone yet, Loan to Learn continues to report missed payments to the credit bureaus and Educap did not have a working phone number.
In early XX/XX/XXXX around XX/XX/2019 I called Wells Fargo and requested my account be closed. I was told by the agent it would be no problem due to the fact that my account balance was not negative & that he would gladly assist me in closing. I was told " Your account has been closed, anything else I can assist you with? '' At that point I was under the assumption that my account was closed. 
On my part, I began switching all my payments to a new account with another bank. 

Wells Fargo, however, continued to make payments and issue fees on the account that was supposed to be closed. 
I was not aware until I was disputing a check and was informed that it was deposited into that Wells Fargo Account. I checked my account on XX/XX/2019 and saw that payments were authorized and I was charged overdraft fees for said payments. In total there are 11 {$35.00} fees. That is an amount I simply can not afford and don't believe I am responsible for. If Wells Fargo had informed me that they could not close my account and I had transactions I would have made sure to have that money in there to avoid those fees. I am out a total of {$380.00} in fees from Wells Fargo. 
I spoke to them several times today XX/XX/2019 and they were unable to give me an answer as to why I was told my account would be closed and was not. 
They said " maybe they didn't close it because you had pending transactions '' but never during the initial request to close my account was I told that it would not be closed. 
I subsequently asked if they could refund the fees because they are not my responsibility. An agent had stated that he closed my account. 
The only option they gave my was to walk into a branch. I live about a XXXX hour drive from the nearest branch and it is not possible for me, especially since they said that does not assure that they will refund the fees. 

The last time I knowingly used my card was on XX/XX/2019 at XXXX XXXX. 
Anything after that was not authorized by me and I was under the assumption that my account was closed. 

Thank you.
XXXX has been non-compliant with removing the unverified account BARCLAYS BANK XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.