WillisBack/dataset-financial-user-claim huggingface dataset:
I have asked Professional Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX 's. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad XXXX.
A Credit Agency known as ( CREDIT PLUS ) called me on XX/XX/2018 and acted as if they were a Federal Bank using what I call a scam telling me I have money in my escrow I can have paid back to me when in reality without telling me they were trying to get me to change my mortgage, consolidate, and were very aggressive over the phone refusing to listen to me. I did not want any part of it, yet the individual on the phone was very rude and after hanging up he called me back started to call me names. 

Since, I have had at least two credit checks by this company without approving them to look at my credit score or wanting to borrow money from them. They tried to get my credit card number and other personnel information. 

The following is the information I have on them : CREDIT PLUS Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  XXXX State MD Zip XXXX They claimed to be working with the XXXX XXXX XXXX.
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.
I have a VA mortgage through Wells Fargo, they did a loan modification in XXXX XXXX 2014. I had been every ill and fallen behind in my mortgage. When I was finally placed on XXXX, I was able to make payments again and I made several large payments that all in total was right at {$28000.00}, which was just a couple of payments short of the total amount I owed. None of this money was ever applied to my principle, it was held in a non-interest-bearing account for several months, roughly a year. I had been working with their home preservation department for several months, wanting to simply bring my loan current. I had the funds to do that. They refused to accept my payments and told me I would have to apply for a loan modification. I was not allowed to attend the event they hosted in XXXX, but was instructed to be at the XXXX event a few weeks after they were in XXXX. XXXX is about 70 miles south of me and I still had health issues, so it was not easy for me to make the trip. I did arrive as instructed, with all of my required documentation. I went from station to station providing them with whatever they asked for. These Wells Fargo staffers were from all over the country, some were from North Carolina and others from XXXX, Im sure there were other locations I did not meet. I was told repeatedly that I would know by the end of the day if my modification had been approved and if I would be able to keep my home. At one station I was told I would be locked in at 3.0 % interest on the revised mortgage. I was there until after close of business at XXXX. I was finally released around XXXX XXXX and told someone would be in touch within 24 hours. I drove 70 miles home. 
I called them several times over the next 30 days or so and again I was told they were working hard to save my home. Somewhere around the 30-day mark, I received a XXXX package with my loan modification paperwork. I was given one option, sign and mail it back in the enclosed envelope immediately, or lose my home. I signed it and XXXX it back. 
After reviewing the modification, {$31000.00} was added to the principle of my loan and my interest rate was 3.75 %, not the 3.0 % I was given at the event in XXXX. This means with the {$28000.00} I had already paid in, I was only three payments behind, the third coming because of the time it took to process my loan modification., it was under duress and my {$28000.00} has disappeared. I assume it was consumed by excessive fees and closing cost for this modification that was totally unnecessary. I have attached the cover page of the loan modification to show the cost.
I've already filed a complaint with the consumer financial protection bureau and they sent my request to transunion. Transunion denied my request to remove the fraudulent inquiries effecting my credit. The inquiries are probably from transunion themselves when they fraudulently added mins information to people 's credit line when their servers failed. ( I have have tried countless times to add my last four numbers of my social security number to the next page and it doesn't allow me to do so )
The company XXXX XXXX has called multiple times and threatened to serve me with court papers. They also threatened to take me to jail. I have been receiving calls and voicemails since XX/XX/2018. I reached out to the company and they stated they can not work with me on a payment plan to help reduce the debt.
I would like to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX, FL XXXX and XXXX XXXX XXXX XXXXXXXX, XXXX, FL XXXX, dba CareCredit. I originally filed a complaint with XXXX XXXX in XX/XX/2017  based upon what I found online as the responsible bank for XXXX XXXX. In spite of a number of contacts, they did not respond until XX/XX/2017 after I filed a CFPB complaint. I wrote XXXX XXXX of XX/XX/XXXX on XX/XX/2017 acknowledging that they had finally responded to my complaint and that I would be making payments after I received my Social Security ( SS ) check on or about the fourth Wednesday of the month as SS advised me. XXXX called in early XXXX acknowledging receipt of my letter. 

Subsequently, I mailed XX/XX/XXXX a {$200.00} payment in XXXX and a {$200.00} payment in XXXX following receipt of my SS check. However, XX/XX/XXXX has continue to harass me with multiple phone calls and emails on almost a daily basis since.
From XX/XX/XXXX to XX/XX/XXXX we had a temporary apartment in XXXX XXXX. I was there for XXXX and a month of XXXX XXXX. 

During the stay we set up a XXXX account for internet service. My wife made the call and the account was set up in her name. 

When we moved out in XX/XX/XXXX ( back to our home in XXXX XXXX, Ca ), we received instructions from XXXX where to return our equipment but did not receive a final bill. 

Unfortunately, we were not aware of an outstanding balance. With a short-term rental, we were required to pay upfront for services, so not receiving a final bill from XXXX did not set off any alarms. 

In early XXXX we received a notice from Diversified Consultants, we immediately called XXXX and paid the balance due of {$160.00}. Diversified Consultants posted on my wifes credit report on XX/XX/XXXX. 

Diversified will not remove this from the credit report and XXXX claims they can not help. 

We pay our bills and have perfect credit otherwise. Unfortunately, XXXX is a large company that has gotten away from personal interaction. And Diversified will not do anything to remove it from the credit report. 

We made an offer on a house that was accepted and were unaware of this on the credit report. This will cost us thousands of dollars in higher interest rates and a larger down payment to qualify for a conventional loan as opposed to a jumbo loan. 

XXXX had many ways to reach us by phone, email and home address. We left a forwarding address at the temporary apartment. We simply never received a bill. 

At this time XXXX claims they can not help. And that is in the rare occasion we reach someone there that knows what they are doing. 

Diversified refuses to remove the collection from the credit report. We paid the debt directly to XXXX as soon as we were aware of it and Diversified should never have been involved. 

Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX General Inquiries ( XXXX ) XXXX XXXX No contact info available.
Citibank did not credit bonus Thank You points on purchase in the special category that lists as giving XXXX Thank You points.
I learned XXXX/XXXX/XXXX that Equifax experienced a significant data breach. In checking with Equifax they believe my personal information was impacted. I am at risk for identity theft as a result of this breach. I have little knowledge of what information was breached, or even how much information Equifax has on me that could 've been compromised. I 'll be forced to place a temporary fraud alert on file as a precaution and further monitor my credit history closely.
Received a call from company on XXXX immediately asked for written verification kept interrupting not wanting to send. Sent a certified letter that day XXXX requesting more info.and disputing. From XXXX until present day they keep calling. We talked to them on XXXX & they said they did n't receive the certified letter, receipt shows they received on XXXX. On XXXX I sent XXXX certified letter & tracking shows should be delivered on XXXX. I have copies of the letters disputing and requesting further written information and receipts to show it was certified. The rep did say she would cease contact but I do n't feel they should have contacted after XXXX until written information was received from them. They are calling work and home daily.
I recently lost my job and will not be able to get back to work until XXXX. When I called Navient to try and work something out with them as far as deferment, they would n't work with me. They said there was n't anything they could do and just reminded me of the repercussions of defaulting which is what I told them I was in fear of doing.
American Express has no way to receive written messages through its website, other than, perhaps, in a " chat '' exchange that is far too time consuming to be worthwhile. It will not allow you to simply send a written message to it through its website. This practice restricts easy communication with it and tries to force its customers to have to waste time on the phone on hold or waste time with its ridiculous chat exchanges. Its online questionnaire to challenge unauthorized charges, furthermore, tries to force you to answer inaccurate questions, the presuppositions of which are simply false. It tries to box you into statements you would not make by its refusal to take written comments from its customers online that are in the customer 's words rather than in AMEX 's. Along with other billing and advertising deceptions, AMEX should be forced to receive written comments from its customers through its website, so that they can speak freely for themselves and not be forced to waste so much time with them on the phone or through any other means, or to have what they are trying to say intentionally distorted by the idiot forms it tries to foist onto its customers.
I have called Capital One twice to understand how my minimum payment is calculated. I have experience with credit card calculations since I use to work for a local bank where I handled credit card openings, closings, payments, system issues, etc. So, my knowledge of the subject is very extensive. Here is my issue with how they say the minimum payment is calculated : 1 % of your principal balance, plus fees and interest, the 1/12th of your annual fee ( if you have an annual fee ). Yet, they apply the payment differently. They apply the minimum payment as : principal, interest, and " fees '' ( if any ). They have said that 1/12th of my annual fee that they required to be a part of my minimum payment is actually being applied to the principal balance. This is in favor of the customer but is misleading since I still will have to pay the full annual fee when it comes due. If a company 's minimum payment requires 1/12th of the annual fee to be calculated into the minimum, then that 1/12th of the annual fee should apply to the annual fee. I have confirmed twice that it is n't going towards my annual fee. I have tried to get something in writing on " how the minimum payment is calculated '' but they only send me my " current terms '' and " agreement '' which does n't include how the minimum payment is calculated. I still have what they sent me in my possession. So, I can not get a confirmation in writing that this is truly how it works. My concerns are : is my payment truly being calculated as they say, is my payment truly being applied as they say, it seems unfair and misleading to those credit card customers who do have an annual fee to have a minimum payment include their annual fee yet still responsible for the full annual fee at a later day, it 's also unfair that a credit card consumer with an annual fee has a higher minimum payment calculation than those that do NOT have an annual fee ( most with an annual fee are rebuilding their credit and have a limited income ), should n't how they calculate their minimum payment public knowledge and/or in writing where it is easily accessible?
I am writing to report problems with the customer service provided by Equifax, which interfere with access to credit records. 

I was recently informed by XXXX, XXXX that information including my name, DOB, SSN, home address, email address, and employment information have been compromised by their system. On XXXX/XXXX/15 I mailed a certified letter to Equifax, confirming a fraud alert that I had placed by phone and additionally requesting a security freeze. My letter included a XXXX form and a utility bill that show my SSN ( on the XXXX ) and my current address ( on both documents ), as required. On XXXX XXXX I received a letter dated XXXX XXXX confirming the security freeze and indicating a personal identification number ( PIN ). That letter was correctly mailed to my correct address. 

Subsequently I received a letter from Equifax, dated XXXX/XXXX/15, confirming a change of address. The indicated address was essentially the same as my current address ( which has not changed this year ), with the exceptions of a spelling error in the street name and the city designation associated with the zip code. Although the indicated address was close enough to the correct address for the letter to reach my home, the errors would cause problems with identification questions in any future on-line transactions. The confirmation letter indicated : '' If you dispute or have questions regarding this address change ... please contact us atXXXX ... please have available the XXXX personal identification number ( PIN ) that we provided to you when the security freeze was first placed on your credit file. " On XXXX/XXXX/15 I phoned the indicated number, and spent about XXXX minutes speaking with an agent ( " XXXX '' ), a supervisor ( " XXXX '' ), and waiting on hold, but I was not able to get the address corrected. The specific problems I encountered are detailed in an Word document to be attached.
Around XXXX 2017, fraudulent charges were made on my Wells Fargo credit card. I disputed these charges to Wells Fargo and was successful in having some removed. However, Wells Fargo has refused to remove a significant portion of the charges, claiming that the signature on the receipts matches the signature they have on file for me. First, when stolen, my card contained my signature -- a signature that even a child could replicate. Second, the signatures are NOT the same. Third, this is the ONLY " proof '' they are going by. The proof is cryptic, vague and inconclusive. Wells Fargo is handing their hat on it to avoid liability, despite touting a zero liability protection benefit. Also, I requested the documentation for the charges they DID remove and they have not provided them to me. 

I disputed these charges in accordance with Fair Credit Billing Act. Not only does Wells Fargo itself promote " zero liability '' protection, the FCBA also affords me similar protection. If all it takes is for a fraudster to create a " similar '' simple signature, the " protection '' is illusory. 

I demand further proof other than a claim that the signatures appear similar. 

I have hired an attorney and the attorney received the same unacceptable generic, unresearched response.
I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX   and XXXX XXXX credit file that I did not authorize to acquire. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the understandable language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) 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 because of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/2018 with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated regarding this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX
I have been receiving phone calls from this company leavi ng five daily voice mails.This company Is reaching out to my family members threatening them that they must speak to me or my family member will be forced liability.
On XX/XX/XXXX an annual fee of {$59.00} was posted to my account. I received and activated this card duringXX/XX/XXXX, 9 months ago. Contacted the bank advised them that the fee needed to be removed since I have not had this card for one year. They refused to do so. 

This problem stems from the bank having a faulty application process. When I applied for a credit card in XX/XX/XXXX there was no provision to provide a mailing address. The card was sent to my physical address where I had a forwarding order in effect. The card was returned to the bank. Subsequently I contacted the bank. They opened a new account and sent me a new card, which I activated and used. The bank claimed that the annual period started in XX/XX/XXXX when they sent a card to my physical address and then subsequently returned.
I have a private loan with Navient, formerly XXXX. They have put me into different repayment programs and have never properly credited my payments. No matter how much extra I paid toward my loan, for principal it is never credited this way. I originally borrowed {$13000.00} and even after paying on it since XX/XX/2006 now owe over {$15000.00}. At times when my payment was only {$120.00} per month I was paying {$250.00} and my balance still continues to go up instead of down. This company is a complete joke and has XX/XX/XXXX many consumers.
I have had a loan serviced by Ditech ( XXXX XXXX XXXX ) for over 3 years. Each year, my escrow account 's funds were excessively short. The rate the impounds were collected at were set by the loan servicer and were not decided by me. I allowed the shortage to be spread with payments the two prior years.
In XX/XX/XXXX, I received a new notice that my escrow account was again insufficient. I 've watched the escrow account 's insufficient balance grow year after year and had enough. I chose to make a payment to Ditech to stop the cycle of the impound account not being collected correctly versus continuing to spread the shortage. It did not appear an end was ever in sight. If you look at the history on my escrow account, it 's relatively static. It does not make sense that it would continually be short, unless Ditech set the impound rate incorrectly from the start. I paid my supplemental taxes on my own. The only escrow activity on tax payments, PMI, and hazard insurance. The payment amounts for these items fluctuate insignificantly.
Ditech gave me the option of mailing a check, which is not how I conduct business in XX/XX/XXXX. On XX/XX/XXXX, I called Ditech and spoke with XXXX. She informed me that I could make an online payment. Because the payment would be applied to principal/interest, she instructed me to send a secure email asking for the payment to be reprocessed toward the escrow balance.
On XX/XX/XXXX, I made a payment with Ditech for {$2600.00}. On the following day ( XX/XX/XXXX ), I sent Ditech a secure email asking for their help with reprocessing the payment. Ditech failed to respond to my inquiry. On XX/XX/XXXX, I sent Ditech a follow-up secure email asking for their help. On XX/XX/XXXX, I received a reply from Ditech indicating my " request is being reviewed for appropriate processing. '' When I called on XX/XX/XXXX, Ditech had no issue attempting to sell me a refinance to my loan. Apparently, responding to routine service inquiries is an issue to Ditech.
In XXXX mi exwife rented and aparment in XXXX and we got separated in XX/XX/XXXX, and witch my exwife to out the any right from the aparment, and we got divorced in XX/XX/XXXX, went she move the company never returned the dispoite {$2000.00} dollars she moved to XXXX and bought a house, now after 4 years without any conscta and disclosure of my rights they post in my credit files and collections,
Amerihome acknowledged they had received the remaining documents for loss mitigation on XX/XX/2018. I called back on XX/XX/2018 and customer service representative looked through every document that had been faxed and verified that everything that was requested was there. She stated that she would send a email to let the correct parties and let them know that I had faxed everything that i had been requested. I called back XX/XX/2018 to get a update and to let them know I had a foreclosure hearing the next day. I was told they have 5 days to go over the paperwork that I was submitted and that it was nothing else I could do. I told them someone had gone through every document on XX/XX/2018 and the CSR just repeated there was nothing else I can do. I was also told by the customer service representative that the hearing was not to set a sell date just to check the status of the loan and just to let them know I was in the process of loss mitigation. I had a attorney represent me at the hearing with paperwork stating that I am pursuing loss mitigation and the lawyers for the mortgage company stated that they had not received any information from the mortgage company stating that I was trying to keep the home. A sell date was set for XX/XX/2018. I contacted Amerihome the following day and was told that they could no longer communicate with me because of my representation at the hearing. The customer service representative informed me the only way they would communicate would be if I sent a letter stating that I don't have any type of legal representation signed and dated. I explaned that the lawyer only represented me at the hearing and he said that doesn't matter. As of today XX/XX/2018 they will not communicate with me and I have no status of loss mitigation.