WillisBack/dataset-financial-user-claim huggingface dataset:
I received a hard credit hit from XXXX XXXX on Equifax without my knowledge or consent. While attempting to have this repaired or removed Equifax first hung up on me and the second time I called I was told their system was down and to call back at a later time.
Walmart card still says that I have an account over the credit limit on my credit report. Credit limit {$500.00} and over {$660.00}. The address for Walmart is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I never opened an account with Walmart and they are still on my credit report with XXXX and XXXX. Please correct this error in regards to Retail Card over the limit.
Ive sent out 8 letters to LVNV Funding LLC, they never varified that I had debt and a signed contract. Ive only received one letter back and they sent me a statement from the original creditor. Thats not showing I owe them debt. In accordance to the law they can not do that and without proof I owe them and have an open contract with them they have to delete.
I have paid three companies XXXX XXXX XXXX, XXXX XXXX. I have mailed proof to all three credit agencies that they were paid and its been 40 days with no response or action removing them from my credit report. I also found a derogatory false claim by XXXX. I do not owe them anything, I do not know who they are or what they are claiming. I tried reaching them by phone they would not answer. They brought my score down XXXX points for something I don't owe. I have worked really hard to pay my debts and now I can not close on my home loan due to this derogatory false claim. I need your help to remove it. I also want the three credit agencies to remove what has been asked of them over 40 days ago. I also have my son XXXX XXXX listed on my credit report he has never applied for credit. I fear someone is using his name to apply. he is in XXXX correctional since he was XXXX years old. He has never applied for anything. Please help me get these false and derogatory reports removed such as XXXX and the previous debts listed above that the credit reporting agencies have not bothered to do.
To Whom It Concern, I recently received a copy of my credit report ( XXXX/XXXX/XXXX ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thanking you,
Transunion has an incorrect address noted for me. I believe that there is an individual with my name who lived there, and the information was simply added to my report instead of hers.
I filed bankruptcy and it was discharged in XXXX 2015. Stellar Recovery is still showing an account as open collections on my credit report. No balance, no account number, with remarks of Chapter XXXX bankruptcy, bankruptcy discharged.
On XX/XX/2017 I deposited {$7500.00} check to Wells Fargo ( check was from my XXXX account ). Deposit receipt ( attached ) clearly stated that all the money was to be available the next day - XX/XX/2017. Relying on this information, I made a large payment as of XX/XX/2017 ( from Wells Fargo to XXXX ) ). The next morning I saw my {$7500.00} withdrawn already from XXXX ( copy of cashed check attached ) but deposit was placed on hold until XX/XX/2017 in Wells Fargo ( due to need of verification - as explained to me ). I went to the branch where I deposited ( with copy of my cashed check in hands ) - they directed me to call the main number to release this hold. I was on the phone then with XXXX people ( customer rep and from Consumer department ; offered be on line while they verify with XXXX if needed ) - was told to go to the branch where I had initially opened the account and ask the branch manager to remove the hold. I went there - the manager was not there, nobody else could remove the hold ( no guaranty that the manager would either ). In the meanwhile, my balance became negative from payment that I have made relying on this availability. As a result of the broken written promise of funds availability, I had to waste significant part of my work day trying to resolve the issue and had to borrow funds in cash to cover negativity on the account. Basically, Wells Fargo was holding my {$7500.00} ( already taken from my other account ) for nine days - free of charge and contrary to the availability indicated on the receipt. Pure deception and disregard to customers.
AFTER REVIEWING MY CREDIT FILE I HAVE NOTICE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. THESE ACCOUNTS DO NOT BELONG TO ME AND NEEDS TO BE REMOVED IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH THESE COMPANY NOR HAVE I EVER HEARD FROM THEM TO EVEN DISPUTE THE VALIDITY OF THESE ACCOUNTS TO INFORM THEM THAT THEY ARE INDEED A RESULT OF IDENTITY THEFT. 
Please remove this information from my credit file as these are a result of identity theft. 
XXXX XXXX XXXX XXXX {$20000.00}. XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX. {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX {$1300.00}. XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX {$2000.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. XXXX. {$1600.00} XX/XX/XXXX
Wells Fargo branch in XXXX, PA XX/XX/XXXX/XX/XX/2015 opened accounts under the false pretext of saving me account fees. Since then they have collected fees of {$170.00}. Part of the " deal '' to avoid fees was an XXXX XXXX Credit card which I never authorized a transaction on and I now show fees of {$46.00}. 

I want {$22.00} returned to me immediately and all charges past and future wiped out. I want to cancel XXXX and the Business account and all fees repaid. 

Further, just a comment on Wells Fargo and the other large banks. We need convictions and long jail sentences for bank executives.
To who it may concern, My name is XXXX XXXX. My complaint is for Bank of America! We are trying to refinance our home for a lower interest rate but Bank of America has very uncooperative. On XXXX 2013 we got a letter from Bank of America saying that our account had been sold to XXXX XXXX Services. So all these years we having been paying XXXX XXXX XXXX and now that we are trying to refinance Bank of America says we owe them {$80000.00}. Imagine my surprise to hear that I owe Bank of America that amount of money! So I called Bank of America to get a letter saying that we owe them that money to include it on our refinance or where that amount came from. So when I made that call it took me 7 calls and 7 transfers with 7 dropped calls where they would say they were transferring me to a supervisor and they would hang up on me. Bank of America told me they could not give me a letter because I owed that amount and their collection department ca n't give me a letter either because they have nothing under my social security # or account. XXXX XXXX XXXX has no record of nothing under that amount when our account was sold to them. I was not aware that I could put a complaint against them. It has been a very frustrating process with Bank of America, rude, unprofessional and certainly not Helpful!!! We are 3 days away from losing our 3 % intrest rate due to their uncooperative behavior. If we lose it who knows if we will get our appraisal money back from this company.
I have never received the bill. It seems like it was for interest. I was never notified about this small bill. I always make my payments on time.
They called about a debt that was not done by me they said they understood but next day kept calling me and pressing me, i told them the situation and called or something to a Law Firm thats extremely far from me saying they will arrest me if i was pulled over or something.
Wells Fargo has reported that they have suspended foreclosure process due to an active bankruptcy case but they have filed a hearing with XXXX XXXX Bankruptcy court to lift automatic stay so they can proceed with foreclosure of my home. Wells Fargo continues to violate local, state and federal laws in their pursuit of illegal foreclosure of homes. The attached documents will prove Wells Fargo is dual tracking for purpose of illegal foreclosure during active Chapter XXXX case.
Credit freeze, identity theft hold on my credit profile. XXXX is reporting credit inquiry from XXXX XXXX/XXXXr XXXX XXXX, XX/XX/2018. I have mailed a request to XXXX to remove, they failed to follow procedure with credit freeze, identity theft on my profile.
I wired out {$22000.00} on XX/XX/2017 from my XXXX account. But it still doesnt show in my XXXX USD Account. I spent plenty of time to contact them by email and calling. But no answer yet. Please help me out what I checked from my bank is it has already been deposited in their bank, please refer to the XXXX # that I got from my bank
Equifax is reporting XXXX XXXX, account number XXXX on my credit report. I am not familiar with this debt and this debt has been on my credit report since 2005, almost 11 years. I am asking Equifax to please remove the old debt. As I indicated I am not familiar nor have I ever paid on this account. This account says transferred and closed and their is not an account attached to this old debt. I am asking Equifax to again to please immediately remove this old debt of almost 11 years.
Although the debt attempt was not viable I paid the bill directly through XXXX. I then called Diversified Consultants, Inc. to report the bill had been paid again. Diversified confirmed the account was closed. I requested proof off payment and account satisfaction both via email and hard copy. I was told both should be received within 48 hours. I verified my email address 3 times. 9 days later I still never received confirmation. On XX/XX/XXXX I called again. I was again told the account was closed to satisfaction. I again requested confirmed and was told another 48 hours. I insisted on speaking with a manager after getting nowhere with the initial representative who stated they were helping me because they could not get ahold of the person who was handling my case. Someone representing themselves as a manager picked up the phone, said this is XXXX XXXX please hold. The phone was then left off the hook-on hold for over 30 minutes without my concern being addressed. Needless to say, I still do not have proof of payment. I even tried several times to access he online potal to print receipt myself and I only get back a message stating the account does not exist.
We had a Home Equity Line of Credit with XXXX XXXX. XXXX XXXX sold the loan to SLS - Specialized Loan Servicing LLC. The loan was to mature in XXXX 2016. We received a letter to that effect giving a 90 Day Notice. We contacted SLS to ask what needed to be done to apply for a Loan Modification. We filled out all required forms and sent all requested documentation dated XXXX/XXXX/2016. Time went by hearing nothing. Finally I phoned. SLS informed me I would be receiving a letter stating the missing documents they needed. I did receive the letter dated XXXX/XXXX/2016. It stated " Documents still required from you : '' Which was for " XXXX XXXX XXXX - Income Type - Income- Employed / Required Documentation - Paystubs XXXX OR- Paystubs and Tax/Returns/Tax Transcripts. '' The rest of the letter showed " Document Status : '' of which all the rest of the Documents submitted were shown to be " Complete '' under " Status '' column and under the " Next Step '' column was shown " No action needed ''. I faxed to them the requested documents ASAP. Time went by again, hearing nothing. I then phoned - again. They informed me they now needed more recent bank statements, of which were shown initially as " Complete '', Retirement - Proof of Receipt which was also shown in XXXX/XXXX/16 letter as " Complete '', and Social Security - Proof of Receipt, which was also shown in XXXX/XXXX/16 letter as " Complete ''. I again faxed this information to them XXXX/XXXX/2016. I continued to hear nothing. I phoned XXXX/XXXX/16. SLS again asked for Retirement information. I told them this was sent and I felt they were dragging this Loan Modification application out and someone did not know what they were doing. The SLS agent then informed me there was nothing they could do anyway because this loan is now " matured and due ''. I stated " what do you think I am doing all this paperwork for?! I am doing this because you people instructed me to complete the paperwork and send all documentation for the purpose of a Loan Modification because of a change in our financial situation and we are unable to pay the balance owed on this loan at this time. Therefore, at the time we received the 90 day notice, we contacted SLS to see what steps could be taken due to being unable to pay the balance because of a fire and financial changes to our lives. We feel there is something radically wrong here with this company in the way they are processing Loan Modifications. There is certainly something wrong in the way they are processing ours. I finally did some research and found there is complaint after complaint as well as a Class Action Suit in XXXX Can you please help us. We are Senior Citizens and do not know where else to turn to.
I have never missed nor have I ever been late on a mortgage payment to Selene Finance. I stopped receiving statements from the company in XX/XX/2018. I want concerned at that time, as mail delivery in my area is spotty at best. I had no reason to suspect anything being wrong and continued making my mortgage payments as usual. My payment was {$670.00} a month and i continued to pay {$700.00} a month as I am in the habit of paying additional to lower my principal. I received a letter regarding bankruptcy rights XX/XX/2018, and tried to log into my account on line. I kept getting a message that no account associated with my information could be found. I then called and was told that no one could talk with me about my account since I'm being represented by an attorney. I tried to explain to them that I am Not being represented by an attorney as and was then told I would need to call back and talk with the bankruptcy department. I called the next day and was on hold for nearly two and a half hours. When someone finally answered, I was told the office closes at 4. I called the next day and again was on hold for two hours only to get a recording to call back during regular business hours. The following day I received an email from an attorney with a letter of intent for accelerate. I then sent a letter to Selene along with bank statements showing all payments clearing my bank on time and in full. I do not know if my payments have changed due to escrow, but I have paid an additional amount for the last three months to cover this. I am still unable to actually talk to a person and I have had no response to my letter or payment statement.
I had an American express Platinum card, it was opened on XX/XX/XXXX and during the course of using this card i was not informed that i have to pay all my bills when its due. So during the due date i called the customer service representative and told them i had no idea the full balance was due immediately. The representative i talked to said that if am able to pay a certain amount that it will not be considered a late payment. I paid more than the amount agreed and on the agreed date i paid the remaining balance. So weeks later i found out that they still reported my account as late even due we came to an agreement that if i finish paying my balance on the date agreed it will not be considered late payment. I contacted American Express on the issue, told them of the arrangement i had with the representative but they kept sending me to different departments every time.I didn't know what else to do so i closed the account on XX/XX/XXXX but the late payment is still there and it is hurting my credit score. I hope you can help me resolve this dispute. Thanks.
RE : CFPB # XXXX XXXX stated : " Our records indicate that XXXX XXXX 's 2014 property tax amounts reported to Provident Funding ( XXXX XXXX XXXX client and sub-servicer for XXXX XXXX ) were reported on XXXX/XXXX/2014 as XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014. '' I would like Provident Funding to verify or deny that XXXX reported to them on XXXX/XXXX/2014 XXXX payments of {$1400.00} due on XXXX/XXXX/14 and XXXX/XXXX/2014 regarding my property taxes.
On XX/XX/2018 Transunion and XXXX has my credit score dropping over 38 points for transunion and 48 points from XXXX There is no reason for these scores to drop that much within a short period of time Both companies can't give me a reason as to why. My on time payments is excellent my credit card usage is within the guidelines. I have had credit checks done because I bought and new car and I am in the process of buying a new home. I went on the transunion web site and they wanted me to sign up for a XXXX dollar a month monitoring plan. Now this company drops my credit score by 38 points for no apparent reason and then they want me to sign up for their credit monitoring plan please look in to this there is no reason why my credit scores drop that much. My credit score has always been in the mid 800 's now they dropped me from excellent to good and they can ; t explain it. These people have the sole power to impact your buying power XXXX Good TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX Excellent XXXX Updated XX/XX/2018 Calculated using XXXX XXXX
Ocwen loan servicing did not response to my qualified written request for verification of debt over the past year or so I sent countless letters asking for proof of Debt that I indeed Ocwen and should be paying Ocwen loan I loan was with XXXX then Litton loan in XXXX the loan was paid as agreed and then Ocwen out of the blue sent a coupon statement asking me to start paying them. I never got and letter stating the transfer or what happen to my last lender. I ask Ocwen to provide proof of debt and if they did n't have proof to cease collection but if Ocwen had proof I would continue to pay. On XXXX/XXXX/XXXX Ocwen sent me a letter stating they would opt to stop collecting instead of showing me proof. XXXX XXXX I sent another letter asking them to stop reporting to the credit angency Ocwen removed the loan from Transunion but reported to XXXX and XXXX that forclouse processing have started Ocwen is not the note holder and has no right to collect. They also never respond to my letters. They have no legel right to forclouse on my property the loan was already paid as agreed
I first sent letters on XXXX XXXX, 2016, letters attached and Return Receipts, to XXXX and XXXX XXXX, after checking my Experian credit report and noticing XXXX and XXXX making an inquiry into my Experian credit report, asking why but never received any responses from them. Made numerous phone calls also and they can not remove it due to " ME '' allowing them to run it but clearly told them I never ever applied for anything from their companies. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to XXXX 's and XXXX 's alleged purpose for doing so since I did not apply for credit with their companies. This inquiries were performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I then sent a letter to Experian, letter attached, and did not also receive any responses from them. Then I made a phone call to them and Experian told me they can not do anything about these inquiries and that I would have to contact XXXX and XXXX, which I did numerous times, and still these inquiries are on my Experian credit report. What do I do now? I am very confused as all three parties are not doing anything about deleting this unauthorized inquiry.
I had initiated a dispute with Transunion on XX/XX/2018 due to XXXX XXXX XXXX reporting an inaccurate balance for a creditor that had been settled with. Its been 4 months which is well over the alotted time for a company to respond to a dispute before it has to be removed by the reporting credit bureau. I called to inform Transunion of these facts and they claim to not have any record of my XX/XX/XXXX dispute even though my credit report indicates that it is in fact in dispute with the comment " consumer disputes information ''. After requesting that it be removed per FCRA laws they refused and only offered to place it in dispute once again. My credit reporting is being marred by the debt collector with misinformation and by transunion for not using due diligence in deleting it from my report for the debt collectors failure to respond within the alotted time frame.
On XX/XX/2018 my purse was stolen that had my social security card, drivers license, kids social security cards, chase bank ATM card, XXXX XXXX credit card in it. Some one opened a XXXX  XXXX XXXX account in my name.
VanceHuffman has XXXX accounts listed on my credit report stating that I owe XXXX and XXXX both the state and they were open on XXXX XXXX XXXX I have no recollection of this debt and why it 's reporting on my credit twice same day open to different amounts