WillisBack/dataset-financial-user-claim huggingface dataset:
Well I have recently been looking into credit score and I have a few things on my score that need to be removed if possible. The three things are a phone bill for XXXX XXXX XXXX, one with XXXX, and one with XXXX. These places are all in XXXX, in and I have never dealt with any of these
I just noticed that they started a foreclosure action before 120 days. They did an illegal act against me as a consumer. M & T Bank.
i have sent multiple letters to experian to remove inaccurate addressed and accounts from my credit report and each time they refuse and make it extremely difficult to speak to anyone or address the matter. they stated i had more then one credit report which made no sense and that some of my information was split. after they merged reports i noticed information both personal and accounts that were not mine and they refuse to remove the false accounts let alone match my information to these accounts to make sure they are 100 % accurate. iv stated to them if its not 100 % they can not report it and have spoken to and written to them to remove such accounts as it violates the FCRA. they even want as far to put my name wrong on my report even after sending them my license, social card and birth certificate.
Ocwen has referred our loan to a foreclosure attorney that did not complete the certificate of posting in the Notice of Foreclosure Sale.
I did not authorize or apply for new lines of credit with either XXXX or Citibank. There should not have been hard credit card inquiries from either service.
This call is a attempt to collect a debt which i do n't owe, I wrote 2 letters asking for contract bearing my signature, which they did not provide.claim demands monies for an alleged debt for which no proof of said debt, nor proof of ownership of said debt, has been verified and exhibited.According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT )
On XXXX XXXX, 2017 I completed the TransUnion Disclosure Request Form, filling out each line request : Name, SSN, Current Address, Previous Address, Other Names Used, Date of Birth, Then under the Proof of Current Address I sent copies of : Driver 's License & current Utility Bill, Then under Proof of Social Security Number I sent a copy of : Social Security Card, Then under Proof of Date of Birth I sent a copy of : California Birth Certificate. I copied each of these for my records, sent the envelope Certified Mail Return Receipt Requested. On XXXX XXXX, 2017 I received a return letter with the following statement : Re : Proof of Address Unacceptable - Reason # 3 = One or more of the documents provided was not a qualifying document. I have re-evaluated all the copies of the documents that were submitted and all fulfill the requirements as requested. I feel that I feel that this Credit Reporting Agency is not providing me with my request for a free annual report due to the fact that the company is requiring to get a payment before the company will sent the report and is in violation of the Fair Credit Reporting Act.
Hiday & Ricke P.A. of XXXX, FL ( Representing XXXX XXXX ) has our entire bank account of over {$4000.00} on hold for garnishment for a credit card debt with XXXX from 2002 from a previous marriage without any notice at all. Even though my name is on the bank accounts along with my husband, son and my mother, I am on there as a convenience only. Hiday & Ricke has told me that the statute of limitations is 20 years, for credit card debt. However, the limitations is 4 years. XXXX XXXX was not filed. Now that I have purchased a round trip plane fare, filed for an exemption, Hiday & Ricke ( representing XXXX XXXX ) have filed a motion for a telephonic hearing. Because of this, my husband had to get a {$5000.00} loan to cover all our bills including return checks and nsf fees. I really appreciate anything that you can do to help me in this situation.
I had a HAS account set-up with Wells Fargo since XX/XX/XXXX. Starting in XX/XX/XXXX, I started to pay a monthly maintenance fee of {$4.00}. In XXXX, I decided to move the balance to another provider who would not charge me the monthly maintenance fee. The balance was transferred from Wells Fargo and they ended up charging me another {$25.00} account closing fee. This fee was never disclosed to me nor has the customer service reps at Wells Fargo been able to provide me with a reason for this fee. I am left with no option but to try and recover this overcharge by this bank via the Consumer Financial Protection Bureau. I keep paying fees to this bank and there is no end to it. 

I have also tried to get into the Wells Fargo account information online but the firm has turned off all my access to it and I am unable to attach an online statement for your review.
I just got serve Tuesday XX/XX/XXXX unfortunately the papers were delivered to my now XXXX year old daughter papers were not in any kind of envelope, she read and shared with her XXXX year old brothers the forms against me and was crying when I got home.
Upon reviewing my credit report from XXXX on XX/XX/2019 I found gross discrepancies that I have attempted to resolve in the past. I am left with no choice but to file formal complaint against three companies and inform all notified of my intent to litigate if not resolved. Both XXXX XXXX and Portfolio Recovery Assoc are attempting to collect on a Tradeline from XXXX XXXX XXXX with the partial account number beginning with XXXX. First, there IS NOT a XXXX XXXX Tradeline reporting on my credit file. Second, how are TWO ( 2 ) collection companies attempting to collect on the same account? Lastly, in addition to the above gross violations of the FCRA, these companies are attempting to collect two different amounts, for the same bank, with the same account number. As all involved parties should know, credit trade-lines must be reported with 100 % accuracies or be REMOVED from the consumers credit file.
On XXXX/XXXX/2016, I made a mobile check deposit from XXXX, to BBT. The check was in my name and the amount was {$2500.00}. BBT placed an administrative hold on the funds, until XXXX/XXXX/16. Once the funds were released, I learned that they had frozen my savings account where the check was desposited because they believed that the check was fraudulent. I then contacted XXXX, who told me that the funds had been sent, and that there was no way to get the money back. I contacted BBT multiple times and tried to resolve this issue, but as of XXXX/XXXX/2016, my savings account remains frozen, with no XXXX proof that the check was fraudulent. They told me that they had contacted metabank who told them that the check was unauthorized, but when I contacted metabank they claimed that no such call had occurred. A worker named XXXX in the fraud department for BBT actually placed the hold on the account.
XXXX XXXX agreed to delete from credit report. They claim to only report negatively to XXXX and agreed to delete. When credit report was pulled it was also reported negatively to XXXX. I knew which they never mentioned it was. I would like for them to delete it from XXXX  as well. As my first claim asked for it to be deleted from all credit bureaus.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. 

Bankruptcy : Discharged CH-XXXX XXXX XXXX XXXX : XXXX Experian XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX.
I applied for a {$55000.00} loan against my current home which has no mortgage. I went to my local BB & T branch to do so but they called a dept. in another state. While at the branch the loan officer on the phone took information and was made aware that I was a long time customer. He told me what information he would need. I gathered all the info, took it back to the branch the next morning where they scanned and emailed him the documents. I asked that he rush the loan through. A week later he called and asked for all the same info again. He had let it sit for 7 days without doing anything. The loan finally made it to the appraisal process. BB & T made the appraiser aware of it on a Tuesday, he came on Friday and submitted the appraisal to them on Sunday night. Another week and a half went by. The loan officer asked for XXXX more pieces of info she said was supposed to be attached to the home. The appraiser had asked for the same info and was given it from a file I kept on the home, he took a picture of it and said I had everthing he needed. By this time, 22 days had passed. On XXXX XXXX, 2016, I sent an email asking BB & T to cancel this loan application as I had obtained a loan at a local credit union. Five more days later, she responded, 'Okay, thanks for letting me know '. When I received the appraisal in the mail, XXXX of the pictures was not even of my house and XXXX of the comments was not describing my house. 
On XXXX XXXX I received a Reason for DENIAL form letter with a check mark by Value or Type of Collateral Not Sufficient. I contacted the original loan officer who told me that wether they deny or I withdraw a loan, they mark it as a denial. For example, since I did not submit the document they requested because I withdrew the application, they mark it as a denial because documents were not submitted. After further questioning he said Federal Guidelines dictated this. The FDIC has confirmed that this is not correct. BB & T should have listed this loan as a withdrawal by the consumer and that is what I want them to do.
Someone has been applying for credit using my personal information without my authorization and consent. Someone has also opened a XXXX credit account and has been using it without my knowledge. I have filed a police report and sent multiple dispute forms to the credit bureaus ( XXXX, Transunion, XXXX ) but no one is helping me. I spoke to the bureaus and XXXX, however no one is helping me with this issue! I am a victim of identity theft and this is ruining my life! 


XXXX : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion : XXXX XXXX- Account Number XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX : XXXX XXXX Account Number XXXX
XXXX XXXX XXXX charged my credit card {$450.00} in XXXX XXXX and was to have completed my account within 6 months. I watched from my online account and saw XXXX activity, contacted them and all the information I had sent them via emails were supposedly not received and started all over at that time. It 's been since XXXX and once again I have heard nothing so I tried to reach them via email and phone and none of my messages are getting through. 

XXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX XXXX ext. XXXX
This does not fit this category but is related. When refinancing my mortgage 9 months ago, I could not get the lowest rate due to multiple inquiries by a Auto Dealer ( XXXX XXXX 's XXXX XXXX ) that ran my credit report XXXX time for XXXX transaction. Since then I signed up for XXXX XXXX to monitor my credit score. My mortgage broken called and ask if I would like to re-finance again as now my credit score is higher and I cab get a better rate. From XXXX XXXX and my XXXX XXXX I knew credit score had improved. As of XXXX/XXXX/15 XXXX reported : TransUnion XXXX, XXXX XXXX and XXXX XXXX ( TransUnion ) XXXX. The notice from the mortgage broker listed my scores as XXXX XXXX, TransUnion XXXX and XXXX XXXX. 
Why are my scores different based on who is inquiring? A score is a score and should be the same no matter who inquires. I believe there is an unjust manipulation occurring. Also the reason for my credit score are also reported differently.I have too much available credit, but my outstanding balance to my available credit ratio is too high. If I reduce the amount of available credit, it impacts my outstanding balance to available credit ratio will increase. I have a derogatory public record or collection filed on my report. This was due to a medical bill that I was paying to the provider over a number of months. I was making payments, but they sent the account to collections. The collection company would not send monthly statements ( they do n't send monthly statement ), so I refused to pay until they did, they did and I have been making payments. I disputed with all XXXX credit reporting companies, only XXXX granted the request and has removed the dispute from my report, thus the higher score from XXXX. I do n't mind playing the credit score game, but the rules need to be fair and consistent.
The Lien is incorrect. The amount listed on the Lien is also incorrect. I spoke to the Illinois State and they told me the amount i owe them is $ XXXXXXXX.They have told me that they have never filed a Lien for $ XXXXXXXX.According the law any Lien which has incorrect information must be deleted ASAP.
I have a mortgage with Caliber Home Loans, which calls itself a collection agency rather than a bank. On two recent occasions, I made my regular monthly mortgage payment to Caliber and they did not deposit the payment, claiming that it was not associated with my bank account properly. They charged a late fee on both occasions. I fought to have the first late fee ( XX/XX/2016 ) reversed, but they have refused to reverse the second fee. The payments were made using my personal checking account, which I have had for many years and which has not changed in any way. Other payments from that checking account were cashed routinely without a problem. I suspect that Caliber is using the claim of " no account '' to add late fees to my, and perhaps other accounts.
I have recently pulled my Experian credit report and noticed accounts that have been investigated and deleted by another credit bureau are still being reported by Experian. 

Attached to this letter is proof that these accounts were deleted. Please follow suit and delete the accounts for accurate reporting. The must be deleted in order to show my true credit history. 

XXXX has removed all the accounts listed below
I have tried to gather proof that the debt was mine such as some form of picture identity and signature but the company have refused to grant my request
I keep getting on a daily bases sometimes a few times a day calls from a number XXXX saying I need to call XXXX. I work in XXXX XXXX XXXX so it is very hard for me to call back during the same business hours i work. I had time to call back to to figure out why am i getting so many calls daily. i called XXXX a man picked up asked me if I was XXXX XXXX and verify SSN. I told the man I would not be giving any info can he give me the name of the company so i may know if the collect was a fraud or not. He said I need to verify information. I tired to explain to the man my rights as a consumer he started to over talk me yelling and than just he hung up the phone. I called back a female answered this time I stated my name and i had already been treated rudely by the previous rep and than that lady became quickly loud and rude. I explain i still am not sure what you business is calling me for no is telling what this debit is for. She began to over talk me while i was trying to speak. I keep asking the ma'am to please allow me to finish my statement she also got loud to over talk me and hung up. called third time is the charm to figure why are they calling so much and this time i asked for a supervisor to explain to her the treatment by call reps. I spoke with a XXXX now i am recording the call my self i let XXXX know the call was recorded for my own protection based on the previous treatment. As i started to explain to her how the reps hung up start yelling saying so you not going to pay your debit, yet i do n't even what they want to pay.
XXXX sends me offers checks every month for balance transfers purchases or write a check to myself.onXX/XX/17 I wrote a check for XXXX the checks offered XXXX  percent interest for 18 months with a I percent fee I checked my account 5 days later and saw I was being charged XXXX plus XXXX interest. I talked to a rep and was told to have my bank wire the money back and reverse the transaction my banker told me to pay them directly out of my account and save a XXXX fee.i contacted XXXX again and another XXXX said that would be fine and the transaction would be reversed so I sent the XXXX back. the next I got a text saying I had paid more than the minimum amount and still had a balance of XXXX. I called again and was told that my promo check was out of date and I had to pay XXXX .after getting their XXXX back they changed the deal and demanded the extra money it went from cancelling a transaction to paying interest on money for a month that I had for 5 days and was lied to multiple times by.XXXX  XXXX and XXXX made no attempt to contact me or make any resolution or even ask about my interaction with their XXXX.
To whom it may concern : On XX/XX/2017 I visited XXXX XXXX XXXX in the City of XXXX, CA prior to being a resident here. After being completely forthright about my income status ( 100 % XXXX XXXX XXXX XXXX ) we had a mutual agreement to stretch- out the payments over a reasonable period of time, with wiggle room for fluctuations in my income. At such time we agreed to begin the process of XXXX XXXX XXXX care. 

I do recall that there were some inconsistencies with should be the first line of attack, and what should be prioritized? After 3-4 visits with the XXXX, the area in which I was being treated became more and more uncomfortable/painful ... .an outcome that I did not expect ( and this was one of several times in my life that I have had minor to major visits to the XXXX 's office. Without becoming verbose, my experience from a communication standpoint, as well as services rendered was far short of stellar. 

Since there was an outstanding balance after my last visit, I attempted to contact their office, via the telephone, as well as a certified letter in writing, all to no avail. 

The bottom line : I received ( just suffered from a " XXXX XXXX '' a couple of weeks or so ago ) poor service, and a non-communicative billing staff, who without notice sent my account to : COLLECTION MANAGEMENT SERVICES whose address ( to the best of my ability to determine as they have several listings/derivatives of their corporate name is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Lastly, I have never received a phone call nor any letter ( s ) from this collection agency. 

Thank you in advance for your consideration. 


Sincerely, XXXX XXXX XXXX
all of the credit reports has false information on my credit from a identity theft. Ca n't get a report from experian
XXXX XXXX XXXX XXXX is involved in my loan according to my servicer, XXXX XXXX and a new trustee, XXXX XXXX. I have contacted XXXX XXXX XXXX Division in New York and was referred to Chase Clearing House Corp and Chase Securities. I was told that those XXXX entities are now what XXXX XXXX use to be. I am checking to see if Chase Clearing House Corp and/or Chase Securities have beneficiary status of my property. Please advise. The loan number in question is XXXX. Originator was XXXX who is now XXXX XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX ( which is the original zip code that would have been used through the securities exchange ). ( The zip code changed to XXXX ). The specific pool is XXXX that XXXX XXXX claims the loan is tied to. I have yet to see any original assignment made by the past alleged trustee XXXX to the XXXX XXXX XXXX - Depositor. Please advise. Thank you.
I have been a consumer of Wells Fargo commercial loan for 7 years. During this time I have contacted them, in XXXX in XXXX and most recently this past spring, looking to refinance my commercial loan. Each time, I was told that they do n't refinance commercial loans. So I have continued to carry the loan with them at 10.6 % because I do n't have the funds for the appraisal required by going to a new lending institute. In fact, I 'm living with a family member because I can not afford to pay rent. After hearing all that has happened with Wells Fargo, I thought there might be something fishy in the commercial loan department as well. I say this because for each call there was no person higher up that was available to challenge this no refinance policy. As a result of not refinancing, I put my property on the market this summer to get out of debt. No takers so far. If your team thinks this could be challenged, I would appreciate a call or email. 

A few more details ; I am a sole owner, no llc, who put my saving into a XXXX unit investment property in NH right before the recession. I am not some big development or corporation with legal muscle. The financing I got was with XXXX who sold my loan to Wells Fargo roughly 7 years ago. 
I 'm not expecting miracles but if there is something to uncover I 'm confident that your team can.
The law firm XXXX XXXX XXXX XXXX XXXX has been assigned a debt for collection by Capital One which represents the merchant 's ongoing efforts to help the State of Florida to retaliate against me for calling attention to the federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, embodied by HUD through the absence of any provision for HUD rules to be adjudicated in Federal Court or for county judges to be required to recuse from any landlord-tenant disputes involving HUD rules within any municipalities wherein HUD Programs are not fully privatized, because of the automatic financial ties county judges have to any landlords participating in HUD Programs within those municipalities -- especially given that county judges are not actually qualified or even authorized to rule on Federal issues. Note in the attached Complaints that Capital One refused to even forward my XXXX XXXX dispute from last year to the merchant, subsequent to failing to uphold my dispute against the XXXX XXXX XXXX a few months prior, wherein I had detailed my efforts to address the aforementioned federally institutionalized denial of due process for groups protected under Federal Fair Housing Laws, instigated at the insistence of the authorities in the XXXX portion of the country -- on behalf of XXXX-based businesses, such as Capital One -- that Democracy must never amount to anything more than a subterfuge necessary to extend the influence of XXXX XXXX.
XX/XX/2018, XXXX-XXXX decreased my line of credit from {$2900.00} to {$2500.00} without merit. Thus far, a letter of notice was not sent out to me. I attempted today to find out what happened. Operator name XXXX, agent XXXX had no idea why my line of credit was decreased. She also acknowledged that a letter had not been sent out to me notifying me of this change. I have always kept my account at a XXXX balance and paid faithfully on time. This line of credit decrease affected my credit score negatively. Also, there was no reason to decrease my line of credit. Also, no documentation as to WHY.
After XXXX rounds of credit bureau disputing Capital One has failed to comply with the FCRA and updated status dates/dates of last activities as well as posted brand new delq dates. This is really having huge negative impacts to my credit scores.
I have received several calls after this debt has been paid. Also ; I was told that the debt would be removed after the debt was settled.
Account # XXXX ( XXXX ) XXXX This account is on my report over the time limit it was closed XX/XX/XXXXlast payment made XXXX paid and charged of by XXXX in XXXX, and Equifax is still reporting this on my account. 
Thank you very much for helping me out. 

XXXX XXXX