WillisBack/dataset-financial-user-claim huggingface dataset:
I have a dispute with XXXX XXXX closing my account, reopening it without my knowledge, reporting this to the credit bureaus, denying they did this even though my credit report is showing that they did, covering their tracks by re-opening my account and dropping my score for no reason. 

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
I recently noticed that the company, Navient, has negatively impacted all my credit report for XXXX, XXXX, XXXX, XXXX XXXX XXXX and XXXX. I attempted to validate the account as I am unfamiliar with having this account with the company, however, the company has failed to properly validate the account. In a 60 day time frame from XXXX XXXX to XXXX XXXX, I have received at least 3 collection letters from 3 different companies regarding the account. However, only Navient is displaying on my credit report. I have submitted validation request to all 3 collection companies only to not have received a response from 2 of them and it has been more than 45 days. The 3rd collection company is pending validation. Navient, who is negatively impacting my credit, only responded with a one page document that does n't properly validate the account, and refuse to send me additional information about the account. I submitted a 2nd request to Navient for proper validation, but Navient still has not responded. I have included all letters I submitted and received from Navient, and the other collection agencies regarding the account.
XX/XX/XXXX I was working in XXXX XXXX XXXX for XXXX XXXX. I was sent to XXXX XXXX, XXXX to work for 3 weeks. While there I visited the Wells Fargo Bank to obtain some information on my account. When I returned home, I found a credit card in my mail. It was a Wells Fargo credit card. I had not applied for the card, yet I received it anyway. I immediately called Wells Fargo and complained and had the card cancelled. My concern is that the CFPB complaint XXXX does not adequately cover all the affected consumers as that compliant only covers the time period from XX/XX/XXXX thru XX/XX/XXXX. I feel certain that the fraudulent practices were occurring long before XX/XX/XXXX. When I recently called Wells Fargo about the credit card I was told there was no record of it. Yet it appears on my credit report even as of XX/XX/XXXX.
XXXX 's client XXXX XXXX is a victim of identity theft, her information was used without her consent to apply for a credit card with Nordstrom. While the application was declined the fraudulent related inquiry was left on her XXXX  credit report XX/XX/XXXX. A formal dispute of this information was mailed XX/XX/XXXX and received by Nordstrom however as of this date Nordstrom has failed to reply to and confirm the removal of the fraudulent related data which is a violation of the FCRA.
Open Account with XXXX XXXX XXXX for {$83.00} Original XXXX XXXX XXXX XXXX XXXX open Date XXXX 2013 last reported date XXXX XXXX 2013This Account is closed and paid in full spoke with this creditor XXXX they statedboth times Account is been closed and paid in full and was removed from all XXXX credit reporting Agencys. when I review my report I see it open and still owening
It has almost been a year, since XX/XX/XXXX, where I have sent in my first round of dispute letters ( i.d theft affidavit and police report ) for you to remove the fraudulent information from my credit report in violation of 15 USC 1681. 

This is my second time since XX/XX/XXXX on contacting the Consumer Financial Protection Bureau, and since then I still have no results on the fraudulent information being deleted from my report. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 

On XX/XX/XXXX, I certified mailed Affidavits of Truth and Facts to all 3 bureaus about removing the left on fraudulent information from my report. You have not provided me a copy of any original documentation that you have on fine. Under section 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. 

On XX/XX/XXXX, I mailed a second written request to all 3 bureaus, under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These 3 bureaus have had well over 60 days to complete these actions.
Enhanced REsource Center -ERC ( a debt collection agency ) started calling my home, I finally answered the call and was told this was an attempt to collect a debt for XXXX XXXX for {$140.00}. I told the young lady she had the wrong number, as XXXX does not service my area - I have ATT. she said it was for a service address in XXXX. I stated, I do n't know anyone in XXXX, XXXX and if it has my name I am a victim of I.D theft. She stated, the account was opened and that was the service address and my name and number in GA was listed as the bill pay address. I said, I have never heard of such a thing. She kept asking, How was I going to pay the debt? I finally got her to realize it was not my debt. I asked was my SSN used and she said no. She gave me a number for XXXX. I called XXXX XXXX. and asked did they allow their customers to bill to XXXX party address without consent?, and I was told, YES. When I called back they rep. denied I had a bill with them. I have recently been told I have to go thru the fraud dept at Charter and fill out the paperwork, however, I think that is insane being that they -Charter allowed someone to bill to someone else 's address in a totally different state. I know the Identification theft process I have had to use it before. But I feel XXXX was negligent approving such foolishness in the first place and they should be held accountable and made responsible for finding a solution. I still received a bill from ERC notifying me I had 30 days to prove it was not my debt or I would be held accountable. Again, XXXX was negligent in letting the stranger use my name and address without first verifying with me. I was not aware service could be established with a SSN in any type business. I also never received a bill from XXXX XXXX alerting my of service in my name. My first notification was from the bill collectors.
They put a unauthorized charge of {$590.00} for a balance transfer on XXXX/XXXX/2016. 
The bank that they claim they paid has not been credited to my other account.. 
I requested on XXXX/XXXX/2016 that a balance transfer of {$620.00} be canceled. 
I have had a extra XXXX charged on my account with nothing to show for it while being billed for interest on the same money they say they paid.
My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA. XXXX ( XXXX ) XXXX, XXXXXXXXXXXX My Wife is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX assisted me in obtaining a Home Loan Modification from Wells Fargo XXXX XXXX XXXX should remember me because I am the one that sent her a note to me from XXXX XXXX XXXX for my XXXX service. My Loan was through XXXX, the modification was XXXX loan number XXXX, The MERS Number is XXXX I first wrote XXXX XXXX, she referenced me to XXXX, although had one of her aids stay on top of everything. The Modification took effect on XXXX/XXXX/XXXX. Since that day we have had our Mortgage Payments taken directly from our Checking Account when my VA XXXX is deposited as of XXXX XXXX, XXXX, we have completed the first XXXX years, NOT ONE HOUR LATE. Wells Fargo out of no where stated we do not have a modification. Sorry for the word, Wells put us through pure XXXX for the past XXXX years. They can not foreclose because our payment has not been a day late. Wells Fargo shows on all Credit Bureau reports, we bankrupted the loan and have not made a payment since XXXX, PURE LIE. I sent a next day XXXX package to XXXX XXXX at the Consumer Financial Protection AGENCY AT XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX, THE TRACKING SHOWS undeliverable ADDRESS, THIS WAS THE ADDRESS I WAS GIVEN BY YOUR OPERATOR, WHEN SHE STATED THE normal LOCATION WAS UNDER MODERNAZATION. 
BECAUSE OF WELLS FARGO, I HAVE BEEN HOSPITALIZED XXXX, AM LITERALLY WHAT MY XXXX DIVISION NAME SAID, the walking dead XXXX XXXX. Wells Fargo has destroyed our Credit, my health and a lot more. They refuse to correct the Credit Bureau reports, stating we bankrupted, this is true although it was at Wells Fargos instructions, The Federal Judge refused to sign ant reaffirmation 's or the Modification, in XXXX. We reopened the case in XXXX in an attempt to get the Reaffirmation and Modification signed at a cost of {$7000.00} The new judge had a fit we waited XXXX years and refused to sign the reaffirmation also. The judge stated it was not required for a Modification. He is correct. I need a correct address to re-send the entire package to XXXX XXXX, who DID save my life. Wells has refused to speak with us, denied the Modificationh, had me fax my copy finally on XXXX/XXXX/XXXX to XXXX XXXX XXXX at XXXX XXXX XXXX, Fax XXXX XXXX XXXX. We are trying to refinance using my VA, The Wells Fargo credit report is hampering that although I have sent a copy of every Payment receipt to the various Refinance Banks. PLEASE IN GON 'S NAME HELP, I am XXXX-years-old, totally XXXX and followed every rule on the Modification, when the bankruptcy court discharged {$6900.00}. from Wells, I than did not take any action, left it in the Modification. I have spoken with XXXX Lawyers, XXXX wanted a class action, I do Not another wanted to sue Wells For Damages sighting a XXXX Law suit, I just want the FACTS of this issue corrected. PLEASE E-MAIL me your correct address, XXXXXXXXXXXX. Why XXXX XXXX XXXX, I can never forget her for her help that will not be destroyed, I kept her letter and it took my son to tell me to XXXX her name and thank XXXX I found Her.
I had a loan with XXXX XXXX XXXX they transferred it too XXXX on XXXX XXXX, 2016 on or around XXXX XXXX, 2016 I received a letter from Aldridge Pite stating that they are attempting too accelerate my loan. However, I never received a payment coupon, accounting, offer of loan modification, deed in lieu or short sale. This is illegal activity and I need your firm to investigate immediately!
I am very disillusioned with the United States Credit Reporting system. Exorbitant medical billing causes financial burdens and can be used to ruin peoples credit numbers. 

This puts retired people like myself to resort to payday lending companies that charge 300 % interest and will not listen to reason like reducing the interest to 50 % .. 

Then they use tactics to make things worse. 

CashNetUSA original company. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Dear : XXXX XXXX Address : XXXX City : XXXX State : TX, Zip Code : XXXX Social Security Number : XXXX This letter is to notify you that we will precede your matter for Garnishment on your wages. This means that someone you owe money would be awarded a judgment from the court for payment of the debt. The court can order your employer to deduct 25-30 % percent of your disposable earnings and make payment to the court on your behalf to recover your debt. <P/><P/>Why am I receiving this notice? <P/><P/>The United States, or a State Debt support enforcement agency, certifying its right to garnish your Federal benefits shall attach or include with a garnishment order the following Notice ; Garnish wages owed to a Debtor after Small Claims Court would make an order that you owe money. On XX/XX/XXXX, we  received a garnishment order from a court to [ freeze/remove ] funds in your account. The amount of the garnishment order was for {$1400.00}. We are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount. <P/>What is garnishment? <P/>Garnishment is a legal process that allows a creditor to remove funds from your [ bank ] / [ credit union ] account to satisfy a debt that you have not paid. In other words, if you owe money to a person or company, they can obtain a court order directing your bank to take money out of your account to pay off your debt. If this happens, you can not use that money in your account. <P/><P/><P/>The following applies to you : Before you are arrested : - If you pay in full, or make a part-payment before you are arrested, the warrant will be recalled and amended. However, it will be immediately re-issued if the debt is not paid in full. <P/>When you know a warrant has been issued, you should E-mail us on to discuss your options. <P/>After you are arrested : - Once the warrant has been served, your only options are to serve the time in prison or pay the debt ( plus costs ) in full at the Court house. <P/><P/>IF YOU WANT TO RESOLVE THIS MATTER THAN IMMEDIATELY REPLY US THROUGH EMAIL BETWEEN WORKING HOURS AND RESOLVE THE MATTER. <P/><P/>Sincerely, Sr. Investigation Officer DEBT COLLECTION DEPARTMENT Working Hours : XXXX XXXX to XXXX XXXX CST ( Mon-Fri ) XXXX XXXX to XXXX XXXX CST ( Sat ) XXXX UNITED STATES OF FEDERAL MANAGEMENT Copyright XXXX XXXX | Privacy | Terms of use XXXX.ONLINE
My husband and I purchased a double wide mobile home in 2001 which was put on the land we had previously financed with a loan from Regions Bank. We have been paying on this loan since, with a 7.34 % interest rate. When the interest rate was lowered, we tried to refinance the loan thru Regions and was told that they do not do mortgage loans. I have tried refinancing thru the HARP program and was told they do n't refinance mobile homes. We are retired with a fixed income and paying XXXX a month mortgage payment to Regions. We have considered a reverse mortgage but do not know if that is a good move. My son has a home on the land and we were hopeful to be able to leave the land to him and a daughter. At this point I do n't if we can continue to pay the mortgage as prices keep rising.
The account was opened on XX/XX/2012. The debt collector states that i owe {$150.00}. I do not owe this debt. This has caused a negative mark on my report.I tried to contact the company numerous times to show me proof but no replies. Please remove this account immediately.
There is a collection account listed on my credit report and the name of the collection agency is " Focus Receivables '' after reading hundreds of complaints I have determined that this is a scam company waiting for me to call and give them my social security number. I want this to be taken off of my credit report but I know that is n't possible without exposing this as a scam.
I was forced to start an application with Eagle Home Mortgage by my builder. I did not want to use them, told them I wsnt going to use them but they said i had to or they wouldnt sell me the home. Builder is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX  Their lender pulled my FHA Case number and now refuse to release the case number to the lender I was always going to use, XXXX XXXX XXXX XXXX XXXX.

the lender refusing to send or release my FHA case number is : Eagle Home Mortgage , LLC Phone # : XXXX Broker Participation? X Yes No XXXX  agent : Agent/Company : XXXX XXXX / XXXX XXXX XXXX - Utah Street Address : XXXX XXXX XXXX XXXX XXXX XXXX City, State Zip : XXXX XXXX, UT XXXX   Phone : XXXX They are holding my loan and home purchase hostage by refusing to transfer my FHA CASE number that I never wanted them to pull in the first place
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Chase Card on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.
The Value on my property has gain enough equity to qualify for XXXX % to XXXX % LTV to remove my PMI. I have proven this with Comps and by consulting with a local appraiser and I sent in a written request to my Bank Flagstar requesting the Removal of the PMI. My bank Flagstar Mortgage keeps giving me the Runaround in regards to the process in which they require me to take in order to remove PMI. I have been told different procedures by XXXX different representatives, I have been told that they will send me a letter explaining what to do and I have not received anything, I have been told that I will get a return phone call and still no return phone call. I have been told that they lost my paper work and that an error cancelled my process. This has been going on for over 2 months and I still can not get an answer on what to do. I have no problem getting an appraisal. A rep from flagstar told me that a letter that will be sent to me states that I need to get an appraisal from XXXX XXXX so I contacted imortage services and imortages services said that the appraisal is {$350.00}, but Flagstar says they wants {$460.00}. I will pay the {$350.00} but feel that I do not need to pay Flagstar an extra {$100.00}, this is extortion. However I still have not received any letter. I have been lied to, ignored, and have spent countless hours of my own time trying to get an answer.
The alleged loan orginated in XXXX/XXXX/XXXX and the account was charged off in XXXX/XXXX/XXXX. The account was acquired by Resurgent Capital Services from XXXX XXXX XXXX, XXXX on XXXX/XXXX/XXXX. I was contacted by mail in reference to this alleged loan. The original creditor was XXXX XXXX XXXX XXXX, of which I have never had any dealings. I have submitted a written dispute asking for all original documents and proof of this alleged loan with my signature. The loan is clearly out of the statute of limitations and is uncollectable. Yet I continue to receive correspondence in efforts to collect this debt. Resurgent has refused to accomodate any of my request for any and all documents pertaining to this alledged loan. I consider this harassment and would like all correspondence to cease and desist. 
Thank you for your time
I purchased a Truck from XXXX XXXX XXXX in XXXX XXXX ... they procured my financing through Ally financial. I have never heard of this company and their logo is purple so getting a call from an unknown company asking you for {$800.00} you would be a little wary. Calling XXXX XXXX various times only left me with numerous " I 'll let you know who your loan is through '' not real answers ... not an actual name, account number, nothing. I sent {$250.00} to test the company first. Seemed to check out so I sent the remaining payment. They break down payments as the following : Date Payment Amount Description for Payment Type Code Finance Charges Late Charges Other Charges Total Paid XXXX/XXXX/2016 {$310.00} Outside Bill Pay {$98.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$280.00} Outside Bill Pay {$120.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$360.00} Outside Bill Pay {$48.00} {$0.00} {$0.00} {$410.00} XXXX/XXXX/2016 {$490.00} Online payment {$67.00} {$0.00} {$0.00} {$560.00} XXXX/XXXX/2016 {$0.00} Outside Bill Pay {$250.00} {$0.00} {$0.00} {$250.00} Their Finance Charges as you can see change daily!? 
I agreed to no higher than 6 % interest and the way they creatively have this set up I 'll end up paying $ XXXX for a $ XXXX truck. 
I looked into refinancing, thinking please XXXX XXXX save me ... They pulled my information and let me know that they have been reporting me late on my payments ( even though I have not been ). Now they lowered my score so I 'm stuck with them. What a scam. I have never agreed to this! I never signed paperwork with this company the last thing I was told through XXXX XXXX was I was dealing with XXXX XXXX for a loan ( my own bank ). I called on XX/XX/XXXX16 and talked with XXXX asking for any explanation and a review of the credit reporting. I 'm sure they will say it was late the first month or they will have some creative excuse, but I can not pay a bill I had never received, to a bank I have never heard of, with an account I did n't know I had. I am livid. They charge daily interest so if I pay a month in advance will I not have this? Its worse than " late fees '' XXXX forbid if it will actually be late. There a significant difference in their fees and it is not what I agreed to. I still have n't received a paper statement once. ( I was informed that they send me email ones. ) I feel like this is the biggest regret of my life. I can not afford this.
Nationstar mortgage has been lying and cheating to us for years. They told us not to pay our mortgage so that they would modify it and be able to lower our payments. XXXX I need help! We have XXXX kids. I am married for over 15 years to the love of my life, but I can not walk many days and our mortgage keeps rising. They have several class action lawsuits against them. We are deserperate to modify or refinance. But after they ruined our credit they have been reporting negatively for over 16 months and we have been on time for 14. They even put that we accepted a special program so it shows up in the negative column even though we are on time. They add inspection fees and other miscellaneous fees that they say we need to pay for and have had people outside our home. We have been on time for over a year but our mortgage keeps rising and I am so sick. While this was happening I was in hospice. I fight everyday to live to watch my kids grow older. We have XXXX amazing kids but I am in so much pain from my body. I am just so sick. XXXX and Nationstar has been dragging their feet. They refuse to fix my credit and they harass my phones and my Husbands and also mail us credit consolidation paperwork. What can I Do? They ruined us. We can not be homeless but need to be able to raise our children. They need to modify our loan and remove pmi like they promised. I have gotten over 10 letters stating that removing pmi would be fromXXXX -XXXX. They have no idea what is going on. My Husband tried and I have my friend typing all of this because my arms barely work to type all of this. This is crazy and terrible for my health. The stress on top of everything else is killing me. PLEase someone help us. We went to XXXX XXXX XXXX XXXX. We have always been told there are many Class actions so we need to join one. PLEASE WE JUST NEED THEM TO CARE enough before I die.