WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, my credit suddently dropped from the 700 's to barely 600. I pulled a report and found a bad XXXX XXXXXXXX XXXX account that I had never opened. I later found out that I had been listed as a co-buyer for my mother, but never knew of the account, much less signed any paperwork agreeing to be a co-buyer. On XX/XX/XXXX a dispute was filed with XXXX XXXX, the fees were temporarily waived, and my mother was told not to make any payments until resolved. On XX/XX/XXXX, we received an email stating no record could be found with my name, and told that the account was closed as agreed. Account shows as closed, paid as agreed, and balance = {$0.00}. In XX/XX/XXXX, I received a letter from XXXX XXXX and the bureau of their choice stating that account was indeed invalid and that it would be removed from my credit report. However, while the account was closed as detailed above, it was never removed. I have spent the last 2 years as a XXXX XXXX XXXX trying to rebuild my credit. 

On XX/XX/XXXX I received an alert that my credit score had change. I found that it had dropped by nearly 70 points. I pulled a report and found that suddenly, the same account I had issues with in XX/XX/XXXX, that hadn't reported any changes in nearly two years, had reported a balance of {$3900.00}, even though it had been closed with a balance of {$0.00} for the last two years, per the dispute. I began a dispute with XXXX, and upon calling XXXX XXXX, found that none of the three people I spoke with could locate my name or my social on any account in the system, even when given a partial account number. 

This mistake has followed me the last two years, making it difficult to bring my credit back up since the account is still listed on my credit report. I was finally near where I would like to be when this most recent issue was reported ( negative payment as of XX/XX/XXXX ), which has now brought my credit back down, causing me to start completely over.
I received a letter stating my application was declined due to " Credit History of Personal Guarantor ''.  The only phone numbers on the letter were for XXXX and XXXX. I called several phone numbers and finally got to someone on XX/XX/17 who could see my application. I talked to XXXX. XXXX just kept telling me I had to call the credit bureau. I asked him what the denial meant and he did not know. I asked for his supervisor and got XXXX. XXXX would not tell me any more. I asked if I could have a more detailed info mailed out. She said no one knows why. I asked I can call the credit bureau and look to see whats on my credit report but that does not help me tell why you rejected me, so could you send me a copy of your underwriting guidelines to help me figure it out. I was denied. She all but hung up on me. 

Trying to get a credit card for XXXX should not be this hard. I already have a credit card with Synchrony bank, so there should be no reason why I can not get this one.
I have previously reporte d Portfolio Recover Associates for a highly abusive phone call in which I had to hold my phone from my ear as a representative repeatedly ( screamed ) asked me who would  have opened these accounts. All I asked for was an itemized bill showing how they got to the number they claim I owe. He talked over me, would n't let me get a word in edge wise and when I did talk, would talk down to me like I was a dog.     A supervisor was asked for and she promised I would be on a 10 day no call list.     I was called no more than 5 days LATER! I had n't even received what she claimed she would send out.     I had called back in due to getting something from them in the mail which was n't what I had requested. I found out that was n't what they were sending out and was told to wait.     I am continuously being harassed by this company despite honest attempts to work with them and simply ensure the amounts they claim I owe are factual.
I have been contacted multiple times now by different debt collectors from XXXX XXXX XXXX. I do not know what XXXX XXXX XXXX is nor do I ever recall getting a loan. They threatened to have me arrested if I didnt pay the {$600.00} in 24 hours. They would not provide me with any information regarding where the loan originated or and documentation of any kind validating the debt. I have no problem paying me bills but if I cant be provided proof I owe anything, Im not going to give my card or bank information. They said they were from The XXXX XXXX XXXX in XXXX FL. I looked them up and it says nothing about debt collection.
Our owner occupied home was foreclosed on in 2011. We moved out in XXXX 2011. The foreclosed amount was {$730000.00}. Wells Fargo sold it for {$920000.00} within two ( 2 ) months. There was equity of over {$180000.00}. We have been asking for return of our equity and they have refused to pay us. We need help/guidance to get money refunded. We had done substantial amount of work to improve the property. We are entitled to our money. Thank you.
My husband XXXX XXXX XXXX have spent the last 9 years in court XXXX XXXX XXXX. They have tried to foreclose 3 times. The court records show I have life estate on the property, I have keep up the taxes, ins. and up keep. They pay the taxes before I can get there to pay them then give me a hard time when I try to repay them. I get flood insurance to the max for the property they then say I did not pay enough and try to foreclose, last year I had to send them an additional XXXX hoping they will leave me alone. Yesterday I got a form letter to fill out about the reverse mortgage today I got the same letter certified I sent the info they needed Now a real estate appraiser wanted to know when I could let him into the house I told him I have life estate for XXXX to contact me directly. I just need them to leave me alone. I am on a fixed income need help.
I voluntarily closed this account effective XX/XX/XXXX, when the loan was not in default, there was no loan delinquency, and no payments were due. M T Bank received my Notice of Rescission on XX/XX/XXXX,  and has failed to report to the reporting agencies my voluntary closure of the account. M & T Bank is in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 4 ), 1681s-2 ( a ) ( 2 ) Duty to provide notice of closed accounts and Duty to correct and update information.
I received a telephone call from a representative from J. G. Wentworth Mortgage Co. on XX/XX/2016. He asked my questions about the homes that I have been looking at. I told him that the price was {$170000.00}. He asked how much my Social Security XXXX annual salary was. I told him that it was {$17000.00}. He asked was this all my income and I said yes. He did some calculation and told me that I do n't have enough income to purchase a home. I asked him was that true for FHA and USDA. He said that my payments could not be more than {$600.00}. He told me that the most I will be able to borrow will be {$75000.00} or less.
My account was used to make purchases I did not authorize. When I noticed these transaction the same day they were made I reported to Netspend XXXX/XXXX/16. On XXXX/XXXX/2016 I received an email that the dispute was started and gave me a dispute number. There were XXXX transactions totaling around {$700.00}. I get XXXX and that is my only income and I have no money to survive. Netspend is refusing to credit my money back pending the investigation and told me I have to wait till XXXX/XXXX/2016 to find out the results. I had possession of my card the whole time and I dont know how this happened. But the charges were for uninversal studios in XXXX and XXXX XXXX!! Some of the transactions have cleared but some are still pending.
I have paid this debt through a closing attorney and the Credit Management LLC said they would send a letter via email stating the debt was paid in full and they did not send it to me nor XXXX.
This happens every year. Equifax , under guise of " verifying '' my identity, asks obscure questions about my report and then alleges that I answered one of them incorrectly. The ruse changes from year to year ; I believe this year they were asking about a store credit card that may have been issued by some financial institution with a name different from the store 's own, or maybe I have never had such a card. There are literally dozens of cards over time in my report, and a XXXX card may be named XXXX Bank card or whatever, and the report, when I finally see it, may mention one or the other or maybe a third name for the credit provider. I do not get another chance to guess at another question, and one missed answer means denial of the online report. The alternative : write by snail mail, and add a ridiculous number of documents proving that I am me. 
I believe that Equifax does this to keep people from getting their free credit reports.
Experian Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with XXXX and XXXX.
On XX/XX/XXXX I sent a letter disputing multiple inquiries to All credit reporting agencies including XXXX. They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on XX/XX/XXXX. They again resent a letter explaining what a inquiry is. They have failed to respond to two requests now to research and delete inquiries on my credit report that are inaccurate. These inquiries do not match any accounts on my account etc.
I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.
XXXX XXXX XXXX has been ongoingly writing me since XX/XX/2018 for payments on items, that I have paid for through XXXX credit card XXXX XXXX XXXX. These items appear to be the items that were put in XXXX plan. 

XXXX XXXX XXXX contact the XXXX XXXX XXXX immediately review my account with them immediately and send them the payments for all items they did not receive their payments for. 

From home shopping networks responses in writing to me, they have not been paid for numerous XXXX  paid items that I have clearly sent payoff payments to the bank for. 



To date, I have sent full payments to XXXX XXXX XXXX XXXX to pay off all XXXX account items, with- in 30 days Or less, if items purchases. 
I need XXXX XXXX  to contact XXXX asap, review what they need and send them payments on items asap. 
I have already requested for XXXX to stop writing me and I have informed them that I have sent the full payments for all my XXXX items to the bank. 

XXXX will also be contacting you directly to resolve issue. 

XXXX is ready to send my alleged non-payment for these XXXX items to collections and this is not acceptable!!!. 
I will not have my credit hit twice on same, on going issues between XXXX and bank, period. 

Both agencies have partnered together to service consumers, so work together to fix this ASAP. 

XXXX XXXX XXXX you now have the same 10 business days, as XXXX, from today to resolve.
The closing on my personal property XX/XX/XXXX. The mortgage company was over paid and they were supposed to send us a check for the overage of {$1600.00} as agreed upon at the closing. In Mid- XX/XX/XXXX, we still hadn't received the overage check so we reached out to XXXX XXXX XXXX advised us that it was their mistake and they would be sending out the check. In XX/XX/XXXX we reached out to them again and they said they sent out the check and that they would follow up on it. There was response so in XX/XX/XXXX we reached out again and they then told us the check had been sent out to us and cashed. We told then=m we had nit received any check nor cashed it. So they sent us a coy of a front of a check and the back of a check with a different account number and signature. We explained that it was obviously not us and they told us to get a police report and to talk to the bank and we did ( see attached documents ). The bank said they could not help us because we were not the issuers of the check the issuer has to deal with the issue directly. Here we are now XX/XX/XXXX and after various conversations with XXXX XXXX, of them promising to send out a replacement check and finally they told me last week that they would not issue a replacement check to go through the legal route and get an attorney to fight it out. That is why we are reaching out to you for some assistance in this matter. Please see all necessary documents supporting our claim attached.
I need your help in order to get in touch with my bank and try to solve my problem. I would like my Wells Fargo Business Card to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$1000.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
Our firm, XXXX XXXX , XXXX has sent to Synchrony Bank, d/b/a Old Navy Visa, on behalf of our client, the appropriate Cease and Desist letter and POA. 

The bank has confirmed receipt of the POA and CAD letter on XXXX XXXX, 2016 and continue to contact our client up to 7 times a day, since XXXX 2016 to current.
I started a XXXX campaign for a friend that was in need and enough funds were raised to help him via this site and WePay. After the funds were delivered there were several charge backs from credit cards ; I believe that once sufficient funds plus extra were raised some decided to cancel their donations. The WePay site said that I owed them money and they were going to collect by auto withdrawing from my account. This morning I was negative in my account. My bank, Chase, allowed this to happen without my permission. I called them and complained severely. Saying that only I, and the Govt. are allowed access to my funds. I need help with this, and/or report them.
There was a lien/freeze put on my checking account by the XXXX District Attorneys office. They called Chase legal department about 10-14 days to have the lien released. This past Monday I called Chase legal dept and was told the issue would be expedited and lien would be released within 24-48 hours. Today is Friday and the lien is still on the account - I spoke with the XXXX DA office and they spoke with chase legal dept about 2 hours and were told that they are working on it. 
My funds are being held illegally at this point.
Ally closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and XXXX.
I ( XXXX XXXX ) changed banks from XXXX XXXX to XXXX XXXX. While i was doing this i set up with XXXX  a the new direct deposit to Selene Finance. The payment due on XX/XX/XXXX went through and then was kicked back due to lack of funding on my part ( i didnt realize this until today ), i had the money but unfortunately still had it in XXXX XXXX. I never received any letters from Selene that my payment was sent back due to lack of findings. Today XX/XX/18 I was looking through my bank statement and realized that the payment for XX/XX/XXXX was sent back, and decided to call Selene Finance to make the payment. After speaking with the first clerk i was told that they tried making the mortgage payment 3 times and my account was blocked. They said that i received letters in the mail the XX/XX/XXXX and the following days they tried making the payments. I have never received any letters, phone calls or e-mails stating that i missed any payments. The only solution they gave me was to send a money order to them for the next 6 months until the account gets unblocked. This is hard for me due to the amount of hours i work per week ( 60 ). i would like to get my account unblocked so i can continue with the regular direct deposit as i have been doing for the past 3 years. i feel that they should have notify me before blocking my direct deposit and having to making money orders to them.
Hello, I have asked the following companies to remove the following negative inquiries which I am not aware of from my XXXX XXXX credit report. There customer service would not help me. 

Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX Continental Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX As you can see, these are multiple items They are not mine and are having a huge impact. 
Thank you XXXX XXXX
I received a copy of XXXX credit report recently and it shows that MIDLAND CREDIT MANAGEMENT INC has pulled my report on XXXX/XXXX/2015 without my permission. I had no business relationship with them nor they are my creditor. I believe they have violated my privacy and FCRA.
I was contacted in XX/XX/XXXX by someone claiming they were from Northwood Asset Management Group and they were calling me regarding a debt with XXXX XXXX. She claimed they had a VOE ready to verify my employement to begin garnishing my wages and they wanted to resolve it instead of letting it get to that point. I ended up setting up payments to be automatically deducted from my checking account. Those payments became too much and I decided I wanted to revoke my ACH authorization and send payments by mail, as well as reduce them. The man I spoke to on the phone was rude and unprofessional. He argued with me, asking me if I owed the debt, why wouldnt I want to take care of it and not allowing me to revoke ACH authorization. I began talking over him because he was becoming so nasty and he would ask me if he could speak or finish speaking. I kept repeating I wanted to mail payments and revoke ACH authorization. He eventually put me on with a supervisor, XXXX XXXX. He was much nicer but again, wouldnt revoke my ACH authorization. He said they didnt accept payments by mail, and also claimed they didnt have a website for me to check them out on. I asked for copies of my debt, as well as the VOE the lady claimed to have in XX/XX/XXXX and he said he didnt have any of that and they dont keep paper in the office, and they dont even have any paperwork because they bought the debt from someone else. He said he could send me a validation letter from them, but thats it. Nothing pertaining to the original debt. My ACH authorization was never revoked, but my payments were reduced.
I was never late paying my accounts XXXX/XXXX XXXX XXXX XXXX, and XXXX XXXX I disputed the accounts with Experian and XXXX but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Neither of the 3 Agencies websites, or phone options are available to the consumer for freezing a credit file. 

A notification should be sent to all of the individuals compromised. 

The entity that failed to protect the confidential information needs to be held responsible for damages, and in initiating the freeze with the other agencies.
XXXX XXXX XXXX XXXX t is a collection agency in XXXX XXXX, PA, and has reported three medical collections to the credit bureaus that I do not owe : 1 ) Reported opened XX/XX/XXXX {$10.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX 2 ) Reported opened XX/XX/XXXX {$20.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX 3 ) Reported opened XX/XX/XXXX {$340.00} XXXX XXXX XXXX Reported Delinquent XX/XX/XXXX This is the exact information reported on my XX/XX/XXXX XXXX credit report ( no full account numbers or name of original creditor ), and I have confirmed with all my doctors that I owe no money. I pay every single medical expense at time of service and have never left an appointment owing any money, period. I have never received anything in the mail from " '' XXXX XXXX '' or any medical provider, nor have I ever received a phone call. It is preposterous that completely false information can be reported to credit bureaus, especially without any details as to where the alleged debt originated. I am contacting my representatives and the Delaware Attorney General 's Office, where I am currently employed, to find out why this is legal and this company can get away with this. 

Sincerely, XXXX XXXX XXXX
It is important to note, my loan officer company is   XXXX   XXXX   XXXX     XXXX   is a different firm managing my loan payments.
I have received in mid  XX/XX/XXXX  attached statement "   XXXX   '' from loan officer su.
In this statement it was clear that my next payment date is XX/XX/XXXX and new monthly is  XXXX .
In addition, in that statement, you can see actual payment on  XXXX  as accounted for and it clearly stated that i overpayed the year of  XX/XX/XXXX and it included a check of  XXXX  $ made to me to pay for the surplus i paid.
I was preparing to make my   XXXX   payment as usual. but after this letter, i checked  XXXX  website and deducted no payment is required.
No emails nor phone calls nor mails were received from neither firms until  XXXX  letter attached which was received in  XX/XX/XXXX  stating that i was actually late.
Before i even knew, I went to  XXXX  late  XXXX  to pay for   XXXX   and realized the issue and paid for both   XXXX   and  XXXX .
that day spent hours on  XXXX  interface, i tried processing my payment but it wasnt going thru. There was a total issue occurring.after painful experience, i 've figured i need to process two separate payments for each month and together it was failing since monthly amount itself have changed.
Overall, Both companies failed to notify me on timely fashion and provided contradicting information. Both promised to remove from credit report and that it will be repaired once misunderstanding has been cleared.
However, 6 months later and after very horrible experience and 6 month of emails with loancare.com i stil havent been able to remove it from my credit report. i was reported as 30 day late and now PMI will not be removed because of this mistake.
This company been redirecting me from one department to another and today i was redirected to a fake email  XXXX  They damage my credit for no reason without proper notification. they 're interface now spams me with multiple pop-ups and i have to click 6 times to confirm to just see my statements. They are aware of the issue and claim they are working on a fix. this has been going on more then 6 month.
despite the reasonable case that ive made and many messages and followup and even after i paid fees and over 6 month of trying to get response with no luck, the creditor is acting unreasonably '' by not removing the 30day late payment even when they agreed to and Loan officer already agreed to remove since they have sent the confusing statement and never clarified.
I wasted my time for half a year now, and i hope similar companies can be stopped from consumer harassment such as my case above and held them accountable for what they are doing.
Regards,   XXXX   XXXX