WillisBack/dataset-financial-user-claim huggingface dataset:
A revolving credit card account that I share with my wife was deleted from my credit reports. I am an authorized user on the account. I was told by TransUnion to contact XXXX XXXX to resolve the issue. XXXX XXXX assured and reassured me that it is a problem with the credit bureaus and that they have been reporting the account as they always have. However, after contacting the XXXX major bureaus ( XXXX, XXXX, and Transunion ) I was told that it is an issue with XXXX XXXX 's reporting because they only report information sent to them. I was also told a missing account is not technically a dispute, so filing one may not help at all. I just want the revolving account to be reported as it has always been reported so I can get a home loan! My credit worthiness is being misrepresented due to this lack of credit history showing on my reports. The bureaus blame the creditor, and the creditor is blaming the bureaus. I ca n't seem to get any of them to own up to being at fault for this error. I want the credit card account history to show on my credit reports as it always has - dating back to XX/XX/XXXX. I have attached copies of my free annual credit reports, accessed XX/XX/XXXX. I have also attached the merged report I received from my home loan lender showing the account is not on there as of XX/XX/XXXX.
I purchased a lease through XXXX XXXX of XXXX Ma in XX/XX/2017. I was only there because I had purchased a XXXX with XXXX XXXX XXXX the week before and had such a great experience. I only worked with the finance manager, XXXX during this transaction. I paid aprx {$1400.00} the day I picked up the truck. I was under the impression that covered XXXX and XXXX 's payment, same as the XXXX dealership. When I hadn't heard anything, I called in to customer service XX/XX/XXXX, and spoke to a really nice rep who stated my account was due on the XXXX of every month and if I didn't make a payment by today I would be 30 days past due. I was in shock AS I WAS IN THE PROCESS OF OBTAINING A MORTGAGE AND COULDN'T HAVE A 30 DAY LATE PAY or I could lose the mortgage down payment, etc. I went home and paid through the automated phone system as I didn't have a check on me at the time. I entered and re-entered both my account and routing number TWICE. Later on, I received an email stating the account was paid with a confirmation number. The following Monday was XXXX and since this was the first time making a payment with GM Financial I wasn't sure how long it would take to post, especially with the holiday. As of Friday it still wasn't taken out of my checking account so I called. They were closed. I called again Monday. At this point the online system stated that they were closed until further notice for system updates. I couldn't log into my account online and I couldn't get through to a human being until XX/XX/XXXX. At this point, I had contacted the dealership, XXXX, and asked what to do. I then received a notification from my credit monitoring services that GM had reported my account 30 days late and my credit went down 60 POINTS MAKING ME NOT QUALIFY FOR MY MORTGAGE. I was appalled. I couldn't speak to anyone, no one would return my calls and I was in the process of losing XXXX and my first home. 

Since this, no one has helped me. I've contemplated getting a lawyer but the fees are hefty and I'm trying to get back on my feet and buy a home as I had to take out a loan to do so. I've had several conversations with the manager of the dealership I was working with and no help. I've sent certified letters to the President and to other Leadership members of GM Financial with no help. Please help me. This is totally unfair and I would never have purchased this truck knowing how awful they treat their customers. Not to mention, the truck had to go into the shop for a fuel emissions issue and I was without the vehicle. IT IS BRAND NEW. 

Keep in mind- they are stating that I entered my account information incorrectly. Which is not true as I entered it twice repeatedly through their system. I feel as though they are trying to make money off of me. They also increased my loan amount by {$12000.00} ( shown below from my credit file )
Due to working for a company that shut down I am a XXXX year old man without a job and within 3 weeks of living on the streets. I managed to pay all of my debts except for one remaining cable bill. The company I owe is XXXX XXXX. I owe them XXXX for my last months cable bill. I am getting daily calls from the collector. They always call and hang up when I answer which forces me to call them back at which time they go into their spill about attempting to collect my debt. The way they do this is tricky because they always call and hang up causing me to always have to call them back. It 's a form of trickery and I am tired of getting called daily and being hung up on. I am trying to find a job so I always call a number back to make sure I am not missing a job. I received a usual call yesterday X/X/17 mid morning. I explained to them nicely that I would try to make a payment by the end of next month and a fellow who calls himself " XXXX '' said that was n't good enough and I will have to do better or the calls will continue. I received another call today from the number XXXX, the usual hang up when I answered. I called the number back and it was XXXX again. I asked him if I was going to continue getting these harassing calls everyday, he said yes unless I resolved the debt. I admit I was furious, towards the end of the conversation he said something like " You do n't care about your credit '', you can actually verify what he said because it was being recorded. I did call his company which is Central Credit Services, LLC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX. Toll Free # XXXX. I called the number and again actually got XXXX so it must be a very small company. I asked him to speak with a manager and he said they were all busy right now, I asked if the company name was the above company and he did n't want to tell me. Again, I assume I was being recorded so you can verify this. He finally placed me on hold for a manager and after a long period of time came back on to say all the managers were busy and I would have to try back another time. I understand I owe this debt. I am XXXX years old and have paid my cable bills for over 40 years with never a problem until I lost my job and can not seem to find one. I am scared I am a few weeks from me and my wife being on the streets. XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now have an XXXX XXXX so this is going to be very tough on me as well as my wife who has a XXXX XXXX. I realize my personal situation does not matter, but just so you know where I am coming from. I hope to resolve this all soon, but am certain the collection calls will continue. Thanks for your help. XXXX XXXX
My credit file was compromised in the XXXX Equifax breach. I have been unable to freeze the file online and Equifax has not responded to my mailed in request for a freeze. I want to be sure that the report is frozen.
I am XXXX due to a XXXX XXXX. I spent the better part of 7 hours on the phone today and got nowhere. I was never told there were any private loans until I contacted Navient for about the 15th time over the past several years. They never told me anything about a prior private loan before today. They would not give me any information regarding this/these loans and have since retained XXXX XXXX, a collection law firm who has the worst reputation imaginable for harassing anyone who apparently owes debt of any kind. XXXX XXXX contacted a lawyer who represents XXXX XXXX XXXX XXXX and then I received a garnishment issued on XXXX which resulted in my checking/savings accounts being drained to a XXXX balance. I never received any notice of this " garnishment '' and there is no way in the world I will ever provide financial information to XXXX XXXX, knowing they are listed as as " # 1 of the top ten XXXX XXXX debt collectors '' according to the XXXX. As far as I knew, all of my federal student loans were discharged due to XXXX XXXX  XXXX ( XXXX ) on X/XX/2014 ; however, I was never aware of any other loans. I am now literally terrified and at the highest possible XXXXXXX level. At one time, I tried contacting XXXX XXXX and was treated as if I was a criminal ; disrespected ; talked down to ; and the end result was that they wanted me to pay $ XXXX/month when I am on XXXX and could not do that. They were unwilling to negotiate on any level and now they have drained my checking/savings accounts at XXXX. If there are private loans, I am not aware of them and no one I spoke with today would give me any information about them. I do n't know what to do and my XXXX XXXX XXXX XXXX, particularly since I have already had XXXX  XXXX and already suffer from XXXX and XXXX, both conditions for which I take medication. If someone can help or protect me from these vultures, I would be forever grateful. Thank you.
To whom it may concern, I made a SEPA bank transfer of XXXX euros on XX/XX/XXXX to Coinbase and I forgot to put the reference code in my bank order, so my money has been credited on Coinbase bank account but not credited on my coinbase account. 

I contacted their support onXX/XX/XXXX and explained my case. Since then I did not received any decent response and solution in order to get a reverse bank transfer. 

I think this is unbelivable to wait that long for just a simple customer support and with absolutely no transparency on the process. My request is involving a huge amount of money, this is insane to have no real support. My case at coinbase is # XXXX. 

The Customer service is terrific, I feel absolutely unsecured with them. I hope the Consumer Financial Protection Bureau can help me. 

Best regards
On XX/XX/2018 we received a letter from Wells Fargo home Mortgage that effective XX/XX/2018 they will no longer be accepting our mortgage payment that our loan has been transfered to XXXX XXXX XXXX and that I should received a letter from then with the new account numbers. I called XXXX on XX/XX/2018 and asked them where my paper work was they said letters have not gone out as yet, I called Wells Fargo on XX/XX/XXXX because I received a statement from them for my XX/XX/XXXX mortgage, they told me that they can no longer accept my payments and payments should go to XXXX I told them that I have to account numbers to write on the check and they said that I should call them. I have no information on my new loan servicer and I do not want to mail a check without an account number written on it as they will not know where to post the payment.
I reached out to the company to dispute this collection account there was no document provided to show I own this account. Also this collection agency has not replied to any of my certified letters.
I filed a complaint against this company XX/XX/XXXX, consumerfinance is telling me that my complaint is run out of time. So I have filed another one on about XX/XX/XXXX. Now there telling me I ca n't file the same complaint. ( I want to know why ). I 'm just receiving this e-mail today XX/XX/XXXX.
On XX/XX/XXXX, I received a letter from Convergent Outsourcing offering me a settlement on a debt I do not recognize. On XX/XX/XXXX, I mailed them a debt validation letter which clearly stated " I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. '' Despite this, the company has not responded to my validation request and they have continued to call me. 

On XX/XX/XXXX they called me again. I called them from a different number and refused to identify myself until they told me the name of the company which they did not want to do. They confirmed that it was Convergent. They are additionally using caller ID spoofing in order to appear to be calling from the same state that my phone number is from. 

They have called from the number XXXX at the following times. They never leave a voicemail. 
-XX/XX/18XXXX and XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX -XX/XX/18 XXXX XXXX XXXXXX/XX/18 XXXX XXXX and XXXX XXXX They have also called from the following numbers at the indicated dates. All numbers are spoofed. 
-XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18 XXXX -XX/XX/18XXXX XXXXXX/XX/18 XXXX
I had a collection beacuse I have not paid to   XXXX   XXXX   and They pass the account to Van Ru Credit Corporation. I talk to this company and agree to pay the amounted owned. So they will sent me a paid of letter.   That happened  XXXX   XXXX  After paying they told me that they will send that paid off letter and I was expecting that letter and I never get it. Finaly in  XXXX   XXXX , the collection company send me a paid off letter, however I do not need that letter from them.   I want to buy a house and they do not provide me the letter from  XXXX   XXXX , which is my original company that I used to own money.   I have contact them many, many times ... they told me sometimes yes, we will send you the letter, another times they keep telling me No ... You need to write a letter to request us that paid off letter, and I did so  XXXX   XXXX , and I receive a letter from them this time they said that they are unable to fulfill my request.   I see no reason for them to do so if I have paid off what they ask me ....   What is the problem I have contact them at  XXXX   XXXX   XXXX   XXXX  as many times as i can.. Almost  four  times a week..   They even record the communications Also they said ok I will let you speak to another department and they tranfer me as many times as they want It is like they are playing with me and my time.     Even when I said that i summit a complain with you. They said that I can do what ever I want ... .Thay do not try to stop me ....   Help
i received your letter today ( XX/XX/XXXX and in emailing you too tell you that i have sent a letter to the court appeals judge and requesting papers to file a suit against bank of america for mortgage fraud. now you people and the bank of america has all the information and proof you need to send me back my {$14000.00} because the money is mine and not yours or the government. it came out off my XXXX XXXX money, mine, not yours or the government and when i get the forms ill send a copy of the check front and back. i was hoping it wouldnt have to go to court and we could settle it peaceable but youre calling me a liar and im not a liar. you have proof and i have proof. its a shame how people treat and disreapect their elders bhut thats your problem, not mine.
A collection agency requested info from a former landlord. I would have used that landlord as a reference, but can't now. 
On the envelope was a lawyers name and address. FDCPA subsection 804 states that no symbol, logo, or names shall be used that infere a debt collection. As now i can no longer use that landlord as a reference, there is a violation of FDCPA policy with a penalty up to {$1000.00}. I'd like that agency to pay their fine. Per FDCPA subsection 813. Thank you
On my credit report at XXXX XXXX and XXXX appear an account by " Ascendium Education " with two different opening dates ( XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX XXXX ). The reporting company " Ascendium Education " had never contacted my via mail, I have no knowledge of any account opened by me with this company. this report is negatively affecting my credit history and my ability to be approved in any credit request. please help me.! thank you.
WELLS FARGO XXXX is reporting this loan as INCLUDED IN BANKRUPTCY. I paid for this loan in full and was not included in my bankruptcy.
I was an AUTHORIZED USER on a XXXX XXXX credit card. I never made a single charge on this account. I disputed it with the three bureaus but Equifax left it on my file. This is a violation of my rights under the Fair Credit Reporting Act. I do n't have the complete account number since I obviously never had a card. But the partial account number is XXXX
Over the past year i have tried to have 2 fraudulent accounts that are in good standing with Equifax removed from my credit because they are not mine and they were not opened by me. 
My file with Equifax states ID Theft Victim- information Blocked Due To Police Or DMV Report Extended Fraud Alert File Blocked For Promotional Purposes That said, I have a certified/notarized police report on file with Equifax , however the 2 accounts according to them have not been blocked/removed because they say the police report is basically not sufficient!!!! 
Both accounts are with XXXX XXXX and i have called this company but they wont provide me very much information over the phone and instructed me to dispute the accounts with Equifax XXXX XXXX XXXX XXXX XXXX XXXX My Equifax Confirmation/Report Number is XXXX
Have a mortgage on XXXX property with FIrstKey. Requested payoff amount and received same. Sent in payoff amount of {$440.00} ( via certified funds ) on XXXX/XXXX/15 ; which was two weeks before deadline. Never received reconveyance. Have called FirstKey on multiple occasions and send them multiple emails. Took over 30 days for them to respond to my email. My phone calls go nowhere. They admit it was their mistake but they are not doing anything about it. Instead, they have sent me to collections and I fear my credit has been affected. My loan # is XXXX and i can forward to you all of my correspondence. thx
I disputed the information with all three credit bureaus, Equifax, XXXX XXXX XXXX XXXX, who will not remove an invalid hard inquiry. I submitted a letter to them explaining that Utah XXXX XXXX XXXX out of XXXX, Utah promised me that they would only use a soft inquiry and not a hard inquiry because the credit union changed my account included in chapter XXXX bankruptcy to a current charge off status. The credit bureaus will not budge or work with me. 

XXXX will not remove an invalid inquiry. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX This has to do with annual credit report dot come. Anything pulled by the consumer is a soft inquiry because the consumer, being me, is the one that is requesting their credit report. It is being reported as a hard inquiry.
We desperately want to save our home. We 've been trying to get a loan modification with State Farm Bank FSB, but our efforts have been futile. We started this process in XX/XX/XXXX, it is now XX/XX/XXXX and no approval. The loan modification process is ambiguous and not transparent. The Consumer does n't know what to expect and all decisions are up to the Underwriter. The consumer is not informed of the process or criteria. As a consumer I should know what happens the moment the packet is received. There is no checklist of what is being done on your packet and how the decision was arrived at. State Farm Bank FSB, also does n't allow the packet to be emailed or Signatures to be docu-signed. Their system is on the cutting edge of functional obsolescence. You can only fax or mail documents. This considerably delays the process. We are not able to know the name of the Underwriter handling the modification. When items are supposedly missing we would receive a letter that comes ten to fourteen days later. By the time we 'd get it the other documents would expire. State Farm Bank would consistently ask for the same information over and over again.
<P/>I filed for Bankruptcy and State Farm Bank knew this, but they still requested I pay off liens that was on the property. We thought that was a good sign, and since State Farm Bank made this a condition of the loan modification we did as they requested. Once we got the property in good standing they denied the loan. Stating we did not live at the property. We are now out of pocket over $ 10K, this was money we were saving to pay towards the mortgage. <P/>I wrote letters to State Farm Bank 's Attorney, State Farms Management XXXX XXXX and XXXX XXXX. I also left a voicemail for XXXX XXXX onXX/XX/XXXXto return my call, but have not received a response or call back from the Manager yet. I also followed up my call with a faxed letter to her, have written to State Farm Banks Attorney and the managers at the company, however all my letters seem to fall on deaf ears. <P/>Since State Farm Bank denied our loan for not living at the property and we submitted proof that we do. Can State Farm Bank turn around and deny us for a different reason? Our packet should not have to sit on someone desk another 30 - 180 days while our mortgage and late fees are mounting, especially for an appeal. We was told there is no time frame for the Underwriter to make a decision on an appeal. This is totally unfair. <P/>I have called HUD counselors and done everything I can. We have done a lot of work to this property and have paid off liens. We want to save our home and are asking State Farm Bank to do the right thing and give us a loan modification.
I am a victim of identity theft and has filed a identity theft and police report with the XXXX XXXX Police Department. The police report case number is : XXXX, the following accounts are unauthorized, fraudulent and do n't belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, U.S. Department of Education, and XXXX.
Despite filing XXXX with CFPB and no valid verification being provided as to the origination of this alleged debt ( no signature bearing documentation provided, or ANY documentation ), this Midwest Recovery Systems entry continues to remain on my credit report.
Please remove the following unauthorized inquiries from my Experian credit report : XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018
I was mailed a statement from Wakefield and Associates for {$1100.00} in XX/XX/. After reviewing the details from the statement I was issued, I contacted an attorney through XXXX / XXXX in XXXX, Colorado. My attorney drafted a letter on my behalf and mailed it to Wakefield and Associates on XX/XX/ which concluded with the following statement " For now, and until instructed otherwise, ( my name ) asks that Wakefield, and/or any agents on its behalf, communicate with her directly about this issue. Such communications should be reduced to writing and mailed to the address set forth above. ( my name ) demands that Wakefield make no attempt to contact her by telephone. '' Wakefield and Associates contacted me via phone yesterdaXX/XX/XXXX at XXXXMT to inquire about the statement that was mailed to me in XXXX. I did not respond to the gentleman 's question. I simply replied that I was at work and did not have time at the moment to speak with him and ended the phone call.
My first payment was missed due to my son being XXXX and not having any PTO available. I informed Advance Anerica Representative of this and he stated that he would note the account. I am continuing to be harassed daily with multiple phone calls to my home and cell and even work after they were instructed not to call my workplace. They have also gone to my workplace to attempt to collect the payment. Since then my regularly scheduled payments have gone through as well as the payday loan. They are very badgering and do not assist when you truly need a payment moved or placed to the end of your loan. I regret going with them for my installment loan and referring a friend to them as well.
PORTFOLIO RECOVERY are trying to collect money from me but I never owed them or anyone anything. I am trying to get a mortgage and they file false info om my report and I called and they could n't verify this account or give me any information that actually determine it is me or mine.