WillisBack/dataset-financial-user-claim huggingface dataset:
I monitor my credit from time to time on XXXX XXXX I notice I have a open account with the company and I did not authorize this inquiry and the card never came to my home.I explained to these people that i live in a crazy neighborhood and half of the time our mailbox are left open by the carrier or broken into.This company have allowed someone to open an account in my name and now they wo n't remove the damage from my credit. I am in the process of repairing my credit and this have a negative impact on my credit. I asked that they send my proof that it was me that open this account because having my address is n't proof.
After noticing the debt on my credit report, I sent a Debt validation letter to Law office of Mitchell Bluhm. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, Mitchell Bluhm did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the Law office of Mitchell Bluhm or any attempts by the debt collector to  validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
I am attaching a letter that I sent to the credit bureaus back in XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.
On XXXX/XXXX/XXXX my XXXX XXXX XXXX son received a loan for XXXX on a 2011 dodge ram 1500 at XXXX XXXX XXXX in XXXX TX and it was financed through Chase Bank with no income verification and he was unemployed. This loan should never have been done. This was unfair and misleading lending practices. When he came home with a new vehicle I was in shock and immediately pushed him to get a job which enabled him to make XXXX payments and then he was again unemployed and in good faith he called to postpone a month of payments until he started working again. He postponed them through XXXX, which is the XXXX party vendor that was debiting his account. He thought this was enough as he had limited financial experience. To our dismay on XXXX/XXXX/XXXX Chase took the truck stating he was only XXXX payments behind. XXXX was holding on to XXXX payment to send to Chase and he was ready to make the next payment on XXXX/XXXX/XXXX and he would be caught up. Numerous calls were made to Chase to explain the unfortunate situation in which they offered no support. They entered into a loan unfairly and then decided to ruin a child 's future with bad credit instead of working with him to keep the vehicle and yes he was only XXXX payments behind to be caught up in 3 days. The only option Chase is giving now is to refinance the truck when we just want to keep and pay the loan directly to them, even offered a monthly auto debit from his account. Why would Chase take such a hard stance on a child when they should never have done the loan to begin with. On my end I taught my son a lesson and he is prepared to pay the vehicle on time every month and accept his responsibility and Chase will not give him the option. I work for another financial institution and 2 months behind is not enough to seize property. Seems to me Chase wants out of the loan that was done unfairly to over their end and I want them to admit the error and allow him to keep his vehicle and pay his debt. No one at Chase will budge or listen.
XXXX has hired The XXXX XXXX XXXX XXXX and other extensions ) to make attempts at collecting an amount they " feel '' I owe them based on their payment to an insured client of theirs. I am not responsible, legally or otherwise, to pay. I 've spoken with them numerous times and have repeatedly asked that they cease communication at once or escalate this matter to a court of law. They have done neither of these things. These attempts and harassing phone calls continue to be disruptive to my daily life.
HomeBridge Financial Services , Inc . 

Loan # XXXX my principal is {$710.00}, payment {$1000.00} with Escrow {$330.00} per year sinceXX/XX/XXXX when I refinance and pay over {$3000.00} in Escrow in total over {$6000.00} Escrow insurance {$660.00} tax {$2400.00} total {$3000.00} {$330.00} x XXXX = {$3900.00} now {$400.00} X XXXX = {$4900.00} home bridge inXX/XX/XXXX have increased my monthly payment by {$78.00} with out letting me know I have to pay {$400.00} per month XXXX {$4900.00} per year to cover my tax and insurance wish cast me {$3000.00} Home Bridge company is not acting in my best interest. I should not be forced to over pay every month to keep a roof over my head
I reached out to this company several of times about accounts with  XXXX   XXXX . The account is showing wrong information such as incorrect name and dates of birth. These accounts and past the  seven year  mark and some I have no knowledge of. My report is also stating that these are closed accounts. These accounts should be removed from my credit report because it is causing me financial hardships.
1.My credit report has a record of many accounts which has been paid and closed long time ago by credit card consolidation company2.Judgment record- account paid off3. My student loan was cancelled do to permanent XXXX. 
4. I have only XXXX credit cardI have nothing else on my recordPlease remove all bad recordThanks
A fraudulent XXXX XXXX credit was opened in my name. I had never known this as I had not checked my credit for a long time. Upon discover, the XXXX XXXX account was sold to Midland Credit Management. I filed an Identity Theft Affidavit with Midland Credit Management and XXXX XXXX. Midland Credit Management does not agree that I had never owned this account and they will not remove their collection from my credit file. I want full disclosure and proof verifying that I opened this account.
XXXX XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ),. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification XXXX XXXX and SYNCB is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.
On XXXX XXXX, XXXX XXXX, and XXXX XXXX I notified the credit reporting agency that I was a victim of Identity theft and that the account listed on my credit report under public records for a dismissed bankruptcy was inaccurate and incorrect. I sent the credit reporting agency letters from both my tax collector office and the Bankruptcy court the creditor is stating validated this information as proof that this public record was incorrect, inaccurate and should not be on my credit file and the credit reporting agency has refused to furnish information on how they are validating this debt and remove this inaccurate and incorrect information from my credit report. I am now in emotional distress and losing job opportunities due to this inaccurate and incorrect information on my credit report. I did not file a bankruptcy and it does not belong to me.
I applied for a mortgage with Loan Depot in XX/XX/XXXX and after working with them for six months, they finally declined me in XX/XX/XXXX. Loan Depot did not treat me fairly, did not use appropriate underwriting methodology, and failed to include all of the verifiable income that my wife and I make. In addition to the unfair underwriting practices, I was also left in the dark about my approval for a very long time. I have evidence that they decline me on XX/XX/XXXX, but I did not receive the decline letter until XX/XX/XXXX ( I have the postmarked envelope ). The Lender wasted the time of my tenants, my wife, and tax accountant, and myself through 120 hours of communication for underwriting, prepping for the appraisal ( which they ordered and completed ), and preparation for multiple stages of the loan. Lastly, they also discriminated against my wife and I due to my wife 's line of work and the disparaging comments the Loan Officer ( XXXX XXXX ) made to me in which he at one point said " do you know who you're dealing with '' while on the phone with me and was threatening. I wrote various statements of explanation to them, provided numerous reports of income, but they did not reflect all my income and refused to use the correct income for my wife.
DISCOVER FIN SVCS LL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX : XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DISCOVER FIN SVCS LL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DISCOVER FIN SVCS LL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Over the last year I have contacted  Collection Bureau of America three different times via US  Mail informing them that this debt was not mine and was a result of my identity theft. I provided them with copies of the police report number and FTC Identity Theft Report number.
Contacted by a XXXX XXXX from XXXX XXXX regarding a civil suit. The guy left me a voicemail on my cell phone and while I was checking the message, managed to contact my place of employment 5 different times in 2 minutes. He then proceeded to contact my husband on his cell and left him a voicemail. I contacted the phone number back and XXXX answered and immediately told me I was an XXXX for not answering his calls and good luck staying at my residence. My husband also tried calling XXXX and was told that he was only going to talk to me. 
The number that called me was : XXXX.
Stonegate Loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Filed We started a short sale with Stonegate On XXXX XXXX, 2016. Last evening, XXXX XXXX, the homeowner received a call from Stonegate 's debt collection department. The male on the phone was very rude. He stated Stonegate was understaffed, not going to work on a short sale, and they were going to foreclose on XXXX XXXX unless the homeowner gave him in excess of $ XXXX immediately. This homeowner is understandably distressed by this action on the part of Stonegate. 

Aside from the lack of professional exhibited by the Stonegate rep, there are also several legal issues with this event. The Fair Debt and Collection Act has been violated in several ways. Harassment of the owner of a home and using intimidation in an attempt to coerce a current client. Threatening foreclosure on a home that has not yet been referred to an attorney ( we spoke with Stonegate staff on XXXX/XXXX/16 and verified this ). Stating Stonegate is understaffed to the point of inability to fulfill their servicing obligations and they are just going to foreclose on the homeowner. 

To top it off, this is being done to a Veteran with a VA Loan. Is the XXXX XXXX aware that Stonegate lacks the staff to service their mortgages in accordance with their servicing contract? 

We have since spoken with a rep in the short sale department who was disturbed that this had happened. Their supervisor has been apprised of this situation. 

It is obvious that Stonegate is doing this not only our client but all of their clients. The CFPB was created to end this kind of fraud. When is Stonegate going to be closed down?
I was  XXXX   in  XX/XX/XXXX  and  XX/XX/XXXX . The b ill that was not paid is from  XXXX   XXXX   XXXX . I have called them and told them the bill needed to be sent directly to my insurance company,  XXXX . I gave them the insurance address and phone number to claims. My insurance paid all other bills. Instead of  XXXX  sending the bill to my insurance, they chose to refer to a collection company.  Stanislaus Credit  control service I have sent certified mail to all involved. My latest contact with my insurance company said they will pay the entire bill.   In the mean time the collection agency has destroyed my credit report.
My credit score- according to Equifax- dropped from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). There is n't any legitimate cause for this score drop. In fact, I have paid down my student loans by approx {$4000.00} per month for the last 4 months ( as of XX/XX/XXXX, Equifax reports I owe {$100000.00} in loans, while XXXX ( loan servicer reports {$98000.00} ). I alos recently paid off 2- tax liens. I 'm extremely frustrated because my credit score consistenly is increasing with XXXX and XXXX but Equifax has me stuck in a tar pit. Screenshot attached regarding discrepancy between XXXX ( 1st screen ) and Equifax ( 2nd screen ) reporting.
Hello I have had my loans withXXXX XXXX etc whom all my loans were sent to this company from XXXX til XXXX, I became XXXX and submitted several XXXX they say from faxes from old emails etc that tgey never got, they say, they even garnished my social security check and took a tax return.I have done another discharge when i got up the nerves of how this goes again, to go over what was needed and get it from social security for them to say they need social security to tell them more, no my paper they sent me tell more tgan enough, and this happened a few days ago before my 60 day wait for it to be done, I even paid interest inschool and a out and stopped an the interest they were charging still exist under the whatever interest, or no interest now, thats old interest transformed.Please contact me had use 2 names to my loans!
I found out about the Equifax system breach on XXXX/XXXX/XXXX and I immediately requested my consumer report from Equifax. A rep from Equifax informed me that my credit file was in fact heavily compromised with multiple new accounts overseas and that for my protection my file was " administratively '' frozen. The rep ( XXXX? ) further informed me that even though I verified my account verbally and submitted the requested photocopies of ID that Equifax will NEVER release my file as it was not just compromised, it was used fraudulently to destroy my credit. 

Furthermore, Equifax will not do anything with my consumer file. As soon as I verify my SSN on subsequent calls, i will be informed that my matter was resolved and hang up the phone.
I applied for a overdraft line of credit account from XXXX XXXX XXXX XXXX in XXXX and I was denied due to them not being able to Equifax not being able to verify my credit accounts. I contacted Equifax to have a freeze on my report lifted. Equifax submitted documentation that they lifted the freeze on XX/XX/2018. I applied again 1 week later and received the same letter from XXXX XXXX XXXX XXXX and was advised to verify that Equifax removed the freeze. I did so and it was verified that the freeze was removed. I applied again today, same issue. I contacted XXXX XXXX XXXX XXXX back and they stated that there is nothing that they can do. XXXX tells me it's an issue with Equifax, Equifax tells me that it's an issue with XXXX XXXX XXXX XXXX and that they should contact their business customer service department. XXXX XXXX XXXX XXXX states that they do not make calls to the bureaus. As a consumer, what can I do and I would hate it if I was applying for a mortgage and this error or run around occurred.
1. XXXX. XXXX. I cancelled their service because it was bad. I returned the receiver via XXXX and now there is a {$470.00} or more charge. 
I need it to come off because it has dropped my credit score.
After I graduated from college, I was unemployed for 8-10 months. During this time I would get a lot of harassing calls from Navient. They set my monthly payments to $ XXXX for my student loan payment. I was unemployed and there was no way I could pay that amount. So I called and called to get a better rate, during this time they sent me to a debt creditor. Now I am a college graduate with a credit score of 500 ( due to Navient student loan ) and unemployed. So this put me on hold from getting my Federal Clearance. Now I ca n't get this good job on the XXXX and I ca n't receive a Top Secret Clearance because of my poor credit score. 
Navient then sent me to a debt collector called ( XXXX ). XXXX was the worst headache of my life. They first tell me, I ca n't become current in payments until I make ( 9 ) consecutive payments/months. So this means my credit will be awful for at least a year. So I begin to make the payments, now my total loan amount is creeping up daily. After the third payment, they stop collecting my money. I call daily trying to make a payment, they then tell me I have to start my program over because I missed payments ( payments they REFUSE to take out of my account ). 
So then I consolidate my loans, so no more XXXX. So I become current in my ( {$83000.00} loan ). Mind you my school fees were $ XXXX, so I have no idea why I am paying {$83000.00} and this is not including my Masters Loan. So I am trying to set up a payment plan Navient. The payment they tell me is $ XXXX, so we come to an agreement to pay {$230.00} after I sent them my monthly bills and income. Now I am still unable to acquire a Top secret clearance, my loan is increasing Daily, and now they only take the money out for the first month. Then I check my statement again and they never continue to take the payment, so my credit score will never increase and this is just a big head ache. I just wanted to go to school and become successful, I never thought the result will mess my credit up so I can now never receive a Clearance, buy a house or a car.
Im going some difficult financial times and I have requested tha t Wels Fargo h elp me with a short sale on the property. I have a realtor and an offer on my home. A cash offer!! I sent in my short sale package at the beginning of the month so that they have enough time so look over the info. I need them to respond so that the sale date will be postponed so that we have enough time to do the short sale.
I canceled my XXXX account in XXXX 2014 and just yesterday received a letter from Convergent Outsourcing located in XXXX, WA, saying that I owe {$130.00}. I contacted XXXX and they told me that they do n't have any record of me owing any money and my account balance is $ XXXX..I spoke with XXXX XXXX over at Convergent and she was extremely rude like I was inconveniencing her for asking questions and told me that she 'd send it back to XXXX as a dispute and when I asked how i 'd be informed about what 's going to happen, she said that I just would n't get anything else in the mail about it.
I have been shopping around for mortgage rates with about 6 companies. All of them did " soft '' inquires on my account ( i.e. does not affect my credit score ), except LOAN DEPOT via XXXX  which did a " HARD '' inquiry on my credit ( which DOES affect my credit score ). I have not applied for a mortgage with LOAN DEPOT and they did not have permission to start a mortgage ergo hit my account with a " HARD '' inquiry. I have attached the email that LOAN DEPOT sent me after inquiring about a mortgage. Note that at the top of the email it says " Thank you for considering loanDepot for your mortgage financing!, yet at the top there is a loan number ( " Subject : Welcome to loanDepot, XXXX! ( XXXX ) ''. Not only did they hit my credit report with " HARD '' hits, they also hit my wife 's 3 credit reports, lowering her score too. 

I have called XXXX and they initiated an inquiry with LOAN DEPOT, but that will take up to 60 days to complete. I am now ready to apply for a mortgage, and my credit score has been affected by LOAN DEPOT 's " HARD '' hit on my account. 

I called LOAN DEPOT and XXXX told me that is the way it is, and he would not address the issue at hand. Told me to go ahead and " call the FBI or whoever to handle my complaint ''. 

I called XXXX ( XXXX ), and they also refused to do anything about my complaint about reversing the " HARD '' hit. I have attached their credit report showing the " HARD '' hit on my account. 

I have not talked to XXXX  nor XXXX yet, but can not dispute online for what ever reason. It shouldn't take me 3 hours to get simple answers and get this hit removed. I have got nothing but the run-around whether it was online or on the phone ( except XXXX, they took my complaint quickly and were professional ) I have also attached XXXX and XXXX 's sections of my credit reports showing the " HARD '' hit on my credit report. 

I find hitting my credit reports with a " HARD '' hit when I was only inquiring about rates and fees.
I purchase ETH on XX/XX/XXXX for the amount of {$4600.00} and then they suddenly suspended my account on XX/XX/XXXX and refunded my money. I asked them several times to reopen my account but they do not respond back to my emails. 

They do not provide phone number to contact them.
Chase decided to close all of my credit cards that I currently have with them because they felt I was a risk since I have applied for multiple cards in 2017. I have excellent credit, I have never missed a payment, I pay my entire balance off on or before the due date. I have multiple credit cards because I travel, and I use the rewards for traveling, and also for my business. They did not give me any notice, they just closed the cards out. When I called and they explained it, I told them everything I am writing here, I am not a risk, I have never overspent, I have never maxed out cards, I manage my credit very well. I do not have any debt besides my mortgage, and yet they think I am a risk, and they closed out every card I have with them and they will not refund my fee that was charged 1 month ago for a card I have only had for 1 month, it is an annual fee that is for the year and they closed it out 1 month after I got the card. They just made {$99.00} on me for no reason, I didnt get the credit card bonus that came with the annual fee, I didnt get to even use the card more than a few times before they closed it out, and now they will not refund anything. I am wanting this annual fee refunded, its one thing to close everything out because they just decided I was a risk, it is another thing to make me pay the annual fee for a card I dont even get to keep.