WillisBack/dataset-financial-user-claim huggingface dataset:
My husband passed away in XX/XX/XXXX. I just learned that there was a credit card in my name and he it closed in XX/XX/XXXX or XXXX. I never received any information that this card was past due, or that I owed anything on it. We lost our business, he was ill and passed away in XX/XX/XXXX. We were waiting for the VA to help out and he never received a XXXX. I had to sell my house at a huge loss after he passed away and manage to pay off the mortgage and other debt. Now I am trying to get a small mortgage and there is a XXXX write off on my credit report. I called them and they said they wrote it off and that I did n't owe on it. I did n't receive a XXXX but they soon sent me XXXX ( XXXX actually ) very promptly. I do n't understand why in four years I did n't know about this. I ca n't find any statements about this account and have been at the same address ( after I sold my home- my mother 's home ) and had the same phone number, so I feel there should have been some communication to me that I owed on this. Now I have to pay taxes on this, but with our business loss, not sure how much that will be. Now it will be on my credit report for 7 years. They have n't contacted me in 4 years, will I still owe this amount and can I get it resolved. It is showing up on my credit report that I am paying $ XXXX a month on this and I did n't even know about it. There is no way a lender will give me a loan and it really messes up my credit I have worked so hard in the past 4 years to resolve. He was a vet and some issues, but this is very hard for me to deal with and he is n't here to tell me what went on. They just wrote it off in XXXX according to my credit report, but I was talking to them in XXXX or XXXX about this.
Dear Consumer Financial Protection Bureau : Re : Nationstar Mortgage # XXXXThe reason for me having to file this complaint is due to my mortgage company failing to respond to my loan modification request fax XXXX XXXX, 2015. It 's been 10 days and no follow-up request were made by Nationstar Mortgage. As of today, I have not been assigned to a dedicated loan specialist that they was working on my mortgage loan to try and qualified me for a home affordable modification. 

Furthermore, I am requesting your assistance in getting my concern 's address. 

Thank you, XXXX XXXX
i have contacted Exqufax numerous times in their Exective office each time I am dealing with a XXXX who is not taken my complaint serious I sent a certified Letter asking for the help of the General Counsel and was told by the XXXX Operator I was n't getting anyone, they block my number I have to block theirs to call, they have XXXX inquires that should not be when auto shopping only XXXX is to count against my fico score they are counting all of them, XXXX is not, I feel because I am white they are not helping me, they are not taking off duplicate student loans the government purchased the loans they can see this but yet after I filed bankruptcy they still insist on reporting the negative duplicate student loans XXXX back from 1993. I have ran numerous discrepancies I feel they are not helping due to my race. They are making my health worse I have XXXX and XXXX they are rude and do not do the job they are supposed to do, I feel if I where XXXX they would help. 
certified letter when out two weeks ago still not contact and tried to call the operator again she told me I was not talking to anyone, now since I told them I thought this was a race issue they blocked my number, so you figure it out, only XXXX work there except for the executives, and the customer service, the executives office is all XXXX the operator is XXXX and she hangs up o on you and does not care, I have phone records to prove this, I want this XXXX off my credit, the auto shopping I should not have XXXX different ones each counting and lowering my score,
To whomever is concerned. I XXXX XXXX. a 21 year military retiree. I have receive a intent to foreclosure letter on my home. This company is ripping veterans like me across the country off and I say this because if they are doing it to me. They are doing this across the country. My complaint is as follows. I had my home mortgage modified in XXXX of this year. All parties To my understanding I was told all delinquent fees and payments in arrears will be placed on back of the loan and yes I signed the new documents. The problem is Carrington Mortgage Services ( A collection Agency for XXXX XXXX XXXX ) has informed me there are fees associated with the modification AFTER the modification. Which is illegal.They can not do this. If there are any fees this should have been discussed with all parties before the signing. This is a binding contact. I DO NOT KNOW WHAT FEES ARE BEING ASSESSED OR THE AMOUNT OR WHAT THE FEES ARE FOR.I was told these fees may be for legal fees and reinstatement fees. But I have not received any documentation of determined the amount after all parties have signed. I have informed them I will be making the XX/XX/18 payment in the month of XXXX and the XXXX payment. My regular payment is {$1300.00}. I have just receive a Notice of intent to Foreclosure in 35 days .If I do not send them the delinquency they say I owe of {$3400.00} which is attached to this complaint. which includes the late 1 time late payment
My account has been accessed all the time by this XXXX XXXX XXXX promotional inquiry. I have never accessed XXXX XXXX XXXX, a Discover card or anything of the sort. This is deeply troubling and alarming how often this has been checked. 


XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX   Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry XX/XX/XXXX XXXX XXXX XXXX Promotional Inquiry
Please see complaint for background : XXXX. This is still not resolved ; I am unable to find attachment CFPB tells me is bank 's response. Problem was 1 ) bank 's cancelling of my checking account with no warning for no reason other than I did n't comply with something I had complied with. Since then I accidentally learned checking account is open AND THEY ARE BILLING ME MONTHLY FOR EMPTY ACCT & gt ; X 6 MOS. ( wondering now, if they had to bury that account for some reason related to the XXXX XXXX subsequent thefts via ATM they did n't happen to notice. ) This, now, is the new complaint about the HSBC credit card # XXXX they canceled, which I earned about a few days after they canceled the checking account, causing me another ton of problems not limited to screwing up my credit reports and billing me 30 % PER MONTH NOW A SIGNIFICANT INCREASE!!! ( this is why I am currently late with payment because I want to resolve this first. ) BTW, just before HSBC cancelled all my accounts I was going to transfer my other cards to this card partly due to the good, previous, rate. 

HSBC should be penalized and I should be compensated for the troubles they 've caused me that it has taken e 6 months now to try to clear up. I am not a well person.
In XXXX of XXXX, I signed a retainer and have paid Not quite XXXX $ to this so called firm. I recieved a summons from my mortgage holder in XXXX of XXXX, when speaking with the Detective on this case he stated XXXX XXXX is in prison for embezzlement! XXXX XXXX XXXX me again to statell the XXXX court in XXXX XXXX is handling the case. When attempting to contact this said XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, recieved only the voice mail Full and unable to leave any messages. XXXX contacted XXXX XXXX, And he state that is the only contact info that he has!
After trying to buy a house I noticed on my credit a collections account with ENHANCED RECOVERY COMPANY for XXXX in the amount of {$360.00}. I contacted ENHANCED RECOVERY COMPANY and they can not find any information with my name or social in their system and told me to contact XXXX. After speaking with XXXX, they also can not find any information under my name or social. I disputed this with the credit bureaus. XXXX is the only credit reporting agency that wo n't remove this from my credit. Equifax has already done so. I have emailed XXXX proof of communication with the collection company showing that they can not find anything under my name. This company ENHANCED RECOVERY COMPANY, keeps reporting on my credit each month for a collection even they said I do n't owe and XXXX is allowing this.
A neighbor referred XXXX XXXX, Sears XXXX XXXX, for replacing windows. Because our XXXX yr old daughter had to move in with us after her house tested positive for MOLD + they found XXXX XXXX leak @ the time. Unaware she inhaled toxins for 7 yrs & got sick. She XXXX for this. She XXXX in humid, rainy days. Our house was built XXXX. We thought new windows would help her. We were not aware we had to pay anything upfront. XXXX said we had to open a Sears Credit Card to pay for the windows. Reluctantly we did. We have XXXX credit cards we use exclusively & could not use we were told. We explained our situation. Our expenses on fixed income high for our daughter 's medical bills, care, higher utilities. 1 day a truck pulled up in front of our house with windows. 1 man discovered that our windows, doors & trim where all white inside our house. The ones THEY brought were beige inside & out. We made it clear they had to be white on the inside & beige exterior to match the outside. XXXX did the order on his laptop, we received no copy. One man came from the attic with 1 of our windows walking out the front door. I stopped him & told him that the attic windows were not to be replaced. 
Total window where not the right number. The order was wrong. He went back up & stuck the window back in, no tools, assuring us it was safe & sealed. A few weeks ago I saw a stain on our ceiling on the 2nd floor below that attic window. After talking for a while to someone at Sears they left. XXXX XXXX was in the hospital he emailed us. He gave us XXXX XXXX XXXX XXXX whom we contacted. Nothing got resolved. We told him eventually we lost trust in Sears and wanted to cancel the entire order. He said he would. Emailed us. XXXX XXXX never contacted us. Since then we get bombarded with invoices. We talked to someone who contacted us in response to my Internet post. Nothing was resolved. I am XXXX yrs old, my husband is almost XXXX. We take care of our daughter who is XXXX 2+ yrs. Thank you for your help.
I joined Experian to run a credit report for all XXXX bureaus. The report clearly shows that I do not have any delinquent accounts or late payments reported to any of the XXXX bureaus, however, Experian and XXXX both show that the reasons for 'harming my score ' with them are for 'Serious Delinquency ' and 'Late Payments. ' XXXX even states that I had a serious late payment XXXX year and XXXX month ago, however, they could not tell me which account it was. 

There is the problem. I contacted both companies and they couldn't help me since I could not give them an account number for which I am having the delinquencies. I don't have any delinquent accounts yet my credit scores are being punished by those XXXX bureaus. 

I have attached the XXXX reports and a screenshot.
I pulled all 3 of my credit reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that I do not recognize, including companies I've never done business with. One of these was : XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX XXXX, MO XXXX I was advised by my attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been 30 days, and they have NOT replied. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) and XXXX has NOT removed this account from my credit reports, or have sent me any kind of validation. I request for this company to remove this account from my credit reports immediately, as they have not followed the law, have reported inaccurate information on my credit reports, including FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.
To whom it may concern : I am a Navient customer. Up until recently due to lack of communication, I have never been past due or late with a payment. I was on an interest only payment with XXXX that rolled over to Navient but then the arrangement ended. I was notified prior to that the arrangement would be ending and i was proactive with reaching out to see what other options there were. My interest only payments were {$85.00}. That then jumped up to {$210.00}. I was informed that in order to see what options there were I needed to not my a payment and call back after my due date of XXXX/XXXX/15, so I did. When I called back I spoke with countless representatives and supervisors all who said they needed my financial statement and my cosigners statement. Now, I have n't had any real communication with my cosigner for some time now but i sent an email to her with the hopes she would call back and complete the financial statement. I received an email back saying that she had done so. I called Navient back and spoke with XXXX XXXX ( id # XXXX ) on XXXX/XXXX/15 she informed me that she could send over a review for a 15 month program of {$160.00}. XXXX called me back on XXXX/XXXX/15 and left a message to call her back. When I called back XXXX told me that her XXXX denied the program due to no financial statement from my cosigner. I informed XXXX that the financial statement was completed and several other reps confirmed this info. XXXX placed me on hold, came back and confirmed the same info. With XXXX i set up automatic payments of {$160.00}. She informed me that the 1st three months are known as qualifying months to sure the manager I am able to make good on the payments, after the three months then the arrangement will start that 4th month. My first automatic payment came out on XXXX/XXXX/15. I waited a few days and called XXXX/XXXX/15 to figure out why my account showed past due. I spoke with a rep who informed me that after the qualifying months I would not show any past due balances. That rep placed me on hold and came back to say my programs was denied ( according to her supervisor ) I asked to speak with her supervisor. XXXX XXXX ( id # XXXX ) in the Delaware office is the info he gave me, was really short, rude and very disrespectful. I asked him for the corporate customer service number or address and he said he will give me the number to regular customer service and I can deal with them. I asked him to read me the notes on my account and he refused saying, " The bottom line is that we 're not lowering anything for you '' " Ma'am, ma'am, i 'm going to release this call if you dont let me talk ''. He was completely unprofessional, i became extremely irate due to him talking over me and not letting me ask my questions. I hung up and called back to cancel my auto payments and the rep and supervisor i spoke with were a little nicer. At this point I would like my original arrangement to be honored or a deferral until I can come up with {$210.00} monthly.
I contacted XXXX regarding an acoount in my name that was fraud.I was sent an affidavit and I signed.I was told the accout was resolved.Now I have a clooection company contacting me regarding a balance never made and this impact my credit
On XXXX XXXX, 2015 I went to Citi Bank to cash a check that was draw on Citi Bank. The Teller ask for my identification, social Security Number and Job Title to cash a check. Just for clarification in order cash a check and you do not have a check is what because I do not have a checking account do that give them perimission inquiry into my personal life Social Security Number is PIV Confident Item.
Equifax is refusing to delete credit inquires that I did n't apply for credit with for the following companies.
XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX They will not delete an account in which I was listed as an authorized user for and it should n't been on my credit report.
XXXX XXXX XXXX XXXX
I disputed this account several times with them and with the credit bureau. This has been a on going issue with them. When I mail them something they say they never get it. I asked for a supervisor to call me on XXXX/XXXX/15 and they still have not called. I called back on XXXX/XXXX/15 and requested again a supervisor to call me. still no call from a supervisor. They told me last month they was going to mail statement I still have not received anything from them. This is going on 3 months now that it has been disputed! It should not take this long to get this issue resolved.
I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty -day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Florida ; 5. proof of the last payment made on the account.
I grieved my taxes and the mortgage company adjusted my mortgage based upon the last payment, which was adjusted to reflect my new annual amount. As a result, they under estimated significantly and raised my payment by over XXXX/month. 

I have spent more that 12 hours trying to remedy this by paying the shortfall and making my monthly payment manageable, but they lie and disconnect me. 

Additionally, they continue to call my cell phone, even after instructed to, to collect the payment after it has been made. This is a nightmare
Goldman Sachs failed to conduct fair and accurate oversight when they trained XXXX XXXX XXXX and also helped him to get licensing as a banker. 

XXXX XXXX speaks about Goldman Sachs as his source of training. He claims the company is pure evil. He cites his time working under XXXX and he openly discusses XXXX 's dealing with his clients. 

XXXX XXXX is a known abuser of women. 

She should have disclosed to me that XXXX XXXX XXXX physically beat his wife and his ex-wife XXXX XXXX and children. 

I have the documents to prove this and they are attached to this complaint.
I'm on XXXX XXXX but for some reason you won't let me dispute the problems directly on the website but there are multiple issues 1. )  XXXX XXXX XXXX says I owe {$360.00} says original creditor is XXXX but I've never had a XXXX card as you can see there is no XXXX cards listed on my credit report I was a victim of identity theft a few years ago I don't know if this has anything to do with it or not but this account with this collection agency does not belong to me and if XXXX thinks that I owe money than they need to contact me I'm requesting this be removed from my credit report as soon as possible 2. ) There are two XXXX XXXX  XXXX  one says I owe {$2400.00} the second one says I owe {$6600.00} these were part of  the identity theft that happened back in XX/XX/2016 for the life of me I do not know why they're still being reported the accounts didn't belong to me whenever they were opened and they still don't belong to me they need to be removed from my credit report immediately unless you have some proof that they belong to me if you don't have any proof then remove them please as soon as possible 3. ) There is a closed XXXX  XXXX XXXX account says that I owe {$5200.00} this was also part of the identity theft every other bank realizes that this account was not mine and it's been removed I do not know why it keeps getting reported so far at the bank has not been able to provide any evidence any signatures anything concrete that proves the account is mine everything they have is circumstantial doesn't really prove anything they have account statements well yes whoever the thief was was using the card of course you have account statements unless you have some proof I want this removed immediately even the police are aware that back in XX/XX/2016 I was a victim of identity theft everybody was aware of it we're going on three years later and you still haven't fixed this I'm not going away until it gets fixed this account does not belong to me
www.selflender.com.. They will not refund my money and they keep charging my bank after i closed the account and refuse to pay me my money paid onto the credit rebuilder program. I need the money asap.
On XXXX/XXXX/2017 I received a call from Navient stating that I have three loans with them, which is incorrect. I only have two loans with Navient, no third loan appears on my login.
I have contacted Equifax numerous times over the course of the last several months. I have filed numerous disputes via online and over the phone with representatives that XXXX inquiries recorded on XXXX XXXX, XXXX, one by XXXX XXXX and the other by XXXX were not authorized by me. I also advised the XXXX XXXX XXXX  inquiry dated XXXX XXXX, XXXX was also not authorized. Equifax has refused to delete the erroneous inquiries and as a result, I have suffered undue financial adverse distress resulting in higher interest rates and was denied credit opportunity when I otherwise would have been approved. This is impacting me and my family in a negative way, it is unfair and I am demanding Equifax delete the inquires immediately.