WillisBack/dataset-financial-user-claim huggingface dataset:
This is a follow up to CFPB case # XXXX For the third time - the inquiry on my XXXX credit report ( see attached ) does not belong to me : " WF CRD SVC on XX/XX/XXXX '' ... I have never applied for a Wells Fargo account. I have sent you a certified letter that was received back on XX/XX/XXXX that was never responded to. XXXX  says I must talk to you to correct the problem. 

As you can see in the attached letter sent from XXXX XXXX in response to the prior CFPB case - you have my name as XXXX XXXX ( see attached ). This is not me! XXXX has also sent me fraud alert that somebody has attempted to use a variation of my name. ( see attached ). 

Please remove this inquiry at once.
I purchased an area rug from XXXX  's online on XX/XX/2018. The rug arrived and the color was different that pictured. I tried to return the rug to the downtown store where they sell rugs but they refused to take it. I was forced to ship the rug back which I did. The XXXX tracking indicates the rug arrived at XXXX 's on XX/XX/2018. They have not issued a credit to my credit card and when I call to complain they tell me they have to have the warehouse find it which is ridiculous! While they continue to delay the credit I am being charged interest on the item when they clearly have possession of it.
There are a couple of issues. When my mortgage ( by XXXX XXXX ) was sold a past due balance was transferred to the new mortgage company ( Nationstar Mortgage ). I spoke to Nationstar and was told repeatedly that this balance was part of a forbearance that the XXXX issued but all of the information had not been sent over yet. When it continued to appear on my statement I called and called, waited long periods of time to reach a person, having that person ask if they could place me on hold while they reviewed the account and made notations at which time the phone would begin to ring again and another person would answer and ask if they could have my loan number. This happens, at least, 4 times during each call until I am forced to hang up. In addition, they have tacked on a large amount for insurance they claim to have not been able to verify. This is incorrect. XXXX advised they sent over the insurance information and my insurance carrier said Nationstar could see if there was coverage on the home. Nationstar charges {$9.00} to make an online payment if the payment is made after the last day of the month regardless if the payment is past due or not. Past due payments are charged this fee plus a late fee. If the payment is made via phone the fee is {$19.00}. I have paid additional monies on several of my payments trying to put the mortgage a month ahead in order to avoid the online payment fees. Each month the overage is applied to the principal. When I have spoken with Nationstar they say that 's just the way it is and ca n't be undone. Their advise is to note it when I make the payment but there is nowhere to make this notation.
This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, US Bankruptcy Chapter XXXX, XXXX XXXX XXXX  XXXX, XXXX.
The Complaint that I have is with COLLECTION BUREAU OF AMERICA Over the last 4 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with COLLECTION BUREAU OF AMERICA I have not received anything that I requested and it still listed on my credit report from all XXXX of the Credit Reporting Agencies. 

Please Help me.
XXXX XXXX - I never applied for any car loans with XXXX and this should be removed - I believe someone must be utilizing my credit info
AES Student Loan Services has reported an Old Account which was listed on my Credit Report XXXX, with the Date of Status XXXX and First Reported XXXX. This is an Outdated and Negative and False Reporting. The Bank listed is XXXXXXXX XXXX which is Listed for 2 Loans in XXXX XXXX XXXX XXXX {$2900.00} and XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, {$3500.00}. The School also closed under Bankruptcy School ID XXXX. 
On XXXX, The Department of Education approved for a Discharge of the Federal Student Loans and this Loan Holder ( s ) AES has refused to release or Transfer my Loan to XXXX XXXX XXXXXXXX XXXX XXXX for The Discharge. XXXX has contacted AES many times to have the Loans transferred but no response has been given to XXXX from AES. XXXX XXXX informed me that the Loans were sold back to AES but AES reported these Loans as new Loan on my Credit Report as New Open XXXX, and 1st Reported XXXX with a payment and Status Current. I have n't made any payments nor should this be reported Double on my Report this Account is Outdated from XXXXI contacted AES and they claimed they could speak to me because they had another name Listed for my Social Security Number/DOB/address . I do n't know what they have in Error but yet they were allowed to report False Information on my Credit Report which is PROOF they have all the Information Needed to talk with me concerning this Incident. All Reporting from AES is Fraud and they are also claiming to be reps of XXXX XXXX or XXXX XXXX gave me false information. I want all these Accounts to be removed from my Credit Report as they have caused Due Hardship and violated my Civil Rights with Fraud. This is abuse of the Government Student Loan and Department of Education. I want all points restored back to the my Credit Score which was reduced because of this Fraud committed by AES and XXXX XXXX due to Error and refused to Obey the Discharge Laws and Policies when the Discharged has been approved. I want a written apology for this Harassment and violation of ADA Act
XXXX   XXXX  was contacted by me on  XXXX / XXXX / 2017  regarding unauthorized inquires on my credit report which they are reporting to potential creditors, I informed them that I ha already spoken with the companies whom the inquires came from and each company state that they have already been in contact with  XXXX   XXXX  to have their inquiry deleted. When I contacted  XXXX   XXXX  today they informed that it is not there responsibility to verify that the inquires are accurate and that they did receive information from the creditor to delete the inquires from my credit report they were not going to do it.
I am cleaning up my credit and had a debt with pro collect incorporated. So i called the company to pay my balance owed in full. After getting nothing but rudely ran around on I finally was told that my file is closed and only one person Mr XXXX, can deal with me. After emailing him I received a call from him and couldnt believe this was real. He was so aggressive, hostile and rude. I felt like I was arguing with my sister. Yelling over me completely. Hung up on me after screaming at me. For asking basic questions about credit repair. So I still had not paid the only debt I have to pay. I called back and again had the same issue. Thankfully the calls are recorded. So after more arguing he finally hangs up. Said he was the boss I cant complain because he is in charge. And literally I went straight to XXXX to see who I could complain to. Found over 300 reviews saying the exact same thing. All of their tactics are illegal. Overly aggressive. Its not illegal to ask for pay to delete. Thats the point of paying. So two days later and still trying to figure out how to pay this debt. Ive been hung up on by everyone at that XXXX  business. They will not accept card payment. Only through XXXX  or XXXX  XXXX. Gave me wrong account number and wasted my trip to XXXX  as a single mother with a baby. Avoid pro collect incorporated and their trashy employees.
Equifax has denied my right to have online access to my credit report for 3 consecutive years. Per the Fair Credit Reporting Act, Equifax is legally obligated to provide me with a copy of my credit report annually, however when I attempt to retrieve my Equifax report through XXXX, all of my information is verified, I receive a message stating, " Great, we have found your credit file '', but instead of my credit report displaying, I receive an error message advising me to call Equifax. I have been denied credit, based on my Equifax credit report and attempted to retrieve my report on their website and I continuously receive the same error message. Over the last three years, I have called Equifax more than a dozen times, attempting to resolve this issue. Most recently, I have called Equifax on XX/XX/XXXX, 3 times on XX/XX/XXXX, twice on XX/XX/XXXX and twice on XX/XX/XXXX to determine why my credit report is unavailable to me online, they have no answer or resolution. Can you please assist me?
When I first began the process of attempting to resolve my mortgage issues, the Servicer was XXXX XXXX. As instructed, I completed numerous documents in hopes of obtaining a permanent loan modification. 

During that time, and close to an anticipated resolution, servicing transferred to Carrington Mortgage Services ( Carrington ). It is here that I experienced more Servicer -caused hardship - and as a consequence, lost my property to Foreclosure Sale. 

As I attempted to comply with Carrington 's new requirements - they proceeded with the Sale process, contrary to CFPB and HAMP guidelines. The original Servicer, XXXX XXXX, was the successful bidder, and now 'washes their hands ' of this matter. 

As it now stands, I am still trying to resolve the matter with the Servicer ( Carrington ). Carrington stated that XXXX XXXX did not transfer the documents I submitted to them. XXXX XXXX states that all was submitted, but also, that I did not respond to all requests. 

If the paragraph above was confusing, you can understand a little of how I feel. I want to keep my home, but dont know what else to do. My property is in limbo, as the title has not yet been issued. I am trying my best to keep my home and need your intercession. 
To try to be as concise as possible, I attempted to resolve my default and foreclosure matters with the Servicer of my home loan. In good faith, I submitted various hardship assistance applications in hopes of resolution. Mid-attempt, the Servicing changed from a National Bank regulated by the OCC ( Office of the Comptroller of Currencies ) and subject several lawsuits and settlements germane to my plight to a collections company type, governed by you the CFPB. 
I need you ( the CFPB ) to please research the history of these transactions including my timely submission of all requested documents and the non-review of the same. I requested this ( Servicing History ) of both Servicers, and was advised by XXXX XXXX, that the requested information was proprietary.
I have contacted Transunion and XXXX on several occasions informing them there are several hard inquiries listed on my credit report dating back to XX/XX/2016 that I did not authorize. I have spoken to over a dozen US reps as well as reps from other countries over the last 4 months. I have explained that my identity has been stolen 4 times over the last 7 years. I placed a fraud alert on each of my reports which are now expired.

Based on my report there are also several duplicate inquires from the same company around the same time. I asked what is the procedure for disputing inquires that have not been authorized by me? I have been told inquires can't be deleted. I need to send letters to over 20 places listed on my report and have them remove the inquires. I explained that would be very time consuming to write letters to over 20 companies for unauthorized inquires. I also explained these inquires have damaged my credit as well as caused me to be charged a higher interest rate. 

I called and spoke with another rep today and explained to him I will be filing a dispute considering I have been in circles trying to get this resolved and deleted from my report. The last rep I spoke with today from Transunion stated if I get a letter from the CFPB they will delete the records from my report. I will also need to attach a letter requesting the deletion. 

The file number for the Transunion dispute is XXXX. I was told to send the information to the Consumer Contact Department. The turn around time would be 5 days to review and delete. Please delete these unauthorized inquires from my report.
I spoke to the bank about geting some fees waived on my account, I spoke to someone over a chat and they had a manager call me. The manager advised me that he would be able to help me, and that he would make sure my account would decline every transaction moving forward if my account was overdrawn. None of what this individual told me happened. This occurred on XXXX/XXXX/XXXX. Back in XXXX XXXX I was given wrong information by both a branch manager and a customer service manager. I was unable to pay rent and was forced to sleep in my car due to the incorrect information provided, I was also advised all my fees would be waived in light of the " miscommunication '' That did NOT happen. Every time i contact the bank I am talked down to, disrespected, not treated with dignity and lied to.
Today I discovered a negative credit item a had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
The amount of money XXXX claims I owe is incorrect. The balance is more than it should be. The information needed for the modification was timely submitted, yet now XXXX is saying they do n't have everything. I started with a realtor just in case my modification was not accepted, and I also have an investor to buy the property because I did not want a foreclosure on my record since then I can not get an apartment or any rented home. I 'm asking that I get at least an additional 30 days for them to review my modification or time to complete the short sale process. I received a letter stating that it was in review and now they are stating that they need an additional 30 days to review the package, but they ca n't stop the sale until then. Please help me in getting some extended time.
On XX/XX/18 I checked my XXXX  credit report. Capital One reports on the XXXX of each month. On XX/XX/2018, Capital One reported my balance as {$1900.00} when it was actually {$1700.00}. The {$1700.00} was reported to the other bureaus. When I spoke to a representitive on XX/XX/18, she told me that they had to dispute it with XXXX. Under the Fair Credit Reporting Act they shorted me {$230.00} on my payment to XXXX. She told me it could take up to XXXX days for it report correctly. The representative kept asking the same questions over and over. She had to put me on hold several to see if the problem could even be fixed and what she had to do. I can't be the first person she's spoken to about an incorrect amount reported to a credit bureau.This is ridiculous. All Capital One has to do is electronically submit the right amount of {$1700.00} for the same date of XX/XX/2018. Companies do it all the time if they make a mistake. Why would a credit card company dispute what they reported incorrectly. I want it fixed immediately. I as a consumer have the right to have my correct balance reported each month. Now I'm going to have to call XXXX  every month to see what Capital One is reporting. I have been a customer of Capital One for over 11 years, and I am very disappointed in the way they are handling my complaint.I find it very unprofessional. Capital One is fully aware of the Fair Credit Reporting Act.
Discover bank purposefully delay to credit transferred in cash into my account. It also withheld the money in my account for several days before I could use it.
On or about XX/XX/18, I filed a dispute with Discover Credit Card for a charge of {$3800.00} that XXXX charged to my Discover credit card ; because of damaged and delayed -delivery of merchandise. I was unsuccessful in my attempts to obtain a clear status on shipment of the merchandise.The merchant would not return my calls, or E-mails, and I initiated all contact, and written communication. Therefore, when I finally received the merchandise in multiple shipments, I made arrangement with XXXX and refused delivery and returned damaged and delayed merchandise through XXXX XXXX. 

On XX/XX/18, I received an E-mail letter from Discover regarding my dispute with XXXX : '' We're happy to inform you that XXXX XXXX, XXXX, issued a credit on your Discover card account for the transaction you asked us to investigate. This credit will appear on your next statement. '' Meanwhile, on XX/XX/18, Discover advised me : " We've completed our initial investigation of your disputed transaction and have found in your favor. '' The disputed amount mentioned in this letter is {$3800.00}. 

To my surprise, on XX/XX/18, I received another letter from Discover stating merchant credited my account for {$2000.00}. This amount is short {$1700.00}. Also, Discover, lowered my credit limit, causing an over-the-limit status that they will report to the credit bureaus. This is destroying my credit, and the merchant has my money and the returned merchandise. Discover stated that they have finished their final review. 

I am requesting Discover restore my credit limit to {$7000.00} and continue to pursue the merchant for the remainder of my refund.
i sent fedloan a letter with good humanity spirit of letting them know that i have paid them since XXXX weeks after i graduated with XXXX XXXX ; my daughter XXXX is in college ; i know i have to pay her parent plus loan when she is done in XXXX XXXX, my other daughter did n't do well at her college and got kicked out ; well i asked fedloan in a letter to consolidate the interest, my loans and parent plus loan in a bill that i can afford ; like {$150.00} to {$190.00} or {$200.00} ; they sent me a {$500.00} bill ; i sent another note saying this is too high I sent {$150.00} with the bill ; on thursday XXXX XXXX they sent me a bill for {$730.00} ; I sent {$190.00} with the bill ; i need help ; what road to i take as a single mom that is divorce and have a passion for education and teaching my daughters the same ; i am trying to get a place of my own again and not have my credit destroyed ; they are threatening to send me to a credit bureau as a red flag for no reason. i have other bills that are important and i make XXXX a year ; please help assist me please consumer finance gov
XX/XX/XXXX I was a victim of a hard pull on my credit by a company called XXXX XXXX which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. 
Again XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. 
XX/XX/XXXX I was a victim of another hard pull from Navy Federal. In which case I do not recall giving any permission for them to run my credit score.
I have reached out to Experian Credit Bureau by mail and by phone. Explaining to them that this account on my credit report are inaccurate. Such as follows : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX. XXXX
I recently received a bill from XXXX stating a Previous Balance of {$470.00}. However, I am not a XXXX customer. I had XXXX Long Distance service at a previous address prior to XX/XX/XXXX, but XXXX does not offer Long Distance service in IL. I called XXXX and repeatedly tried to get someone to help me identify these charges, but no one there was able to access my account, as it was closed in XX/XX/XXXX ( I spent 4 hours on the phone, calling numerous departments, but no one could find anything ). I tried tweeting, I tried online chat ... no help. As such, I do not know what this bill is for, and I think XXXX was charging me for services I did not receive ( I was an XXXX LD customer from XX/XX/XXXX to XX/XX/XXXX, and am XXXX now ). This bill is the first correspondence I have had from XXXX for 5 years -- I have not had a bill or anything from them in that entire time, so this is a surprise. 

XXXX then reported me to a credit bureau, MRS . I put this in dispute with them, and all they were able to provide me with was the statement XXXX sent me -- no bills, no details on what this Previous Balance is for.
This debt has been being passed around to XXXX collection agency after another for over 10 years. 
Can you please help?
Company has called me and left a voicemail. As I was listening to this voicemail, I received a message from my mother stating they have tried to contact her as well on multiple different occasions.
Friday XX/XX/XXXX Advance America will take payment out of my checking account. My checking account is on hold due to issue Im having with my bank. advance America will not work with me on making payment. I need the payment to stop and Im more then willing to pay what I owe.
In an effort to learn my pre-approved rate on a personal loan with ONE MAIN FINANCIAL, ONE MAIN FINANCIAL did a hard pull on my XXXX  credit report, when I never authorized anything other than a soft pull. Therefore, a mark on my XXXX  inquiries was made. This happened on or around XX/XX/2018.
When applying for a loan with my credit union this XXXX, I discovered there was a collection listed with Diversified Consultants , Inc . I looked into the matter further, and it was in reference to an account that I had with XXXX. They were trying to charge me, after 2month of bad reception in my area, for not returning a phone to them. But I never received a phone from them. I bought my unlocked phone XXXX XXXX XXXX, on XXXX and ordered a sim card from the carrier. I explained this to the lady over the phone. She said that whether the charge was valid or not, if I did n't pay it that it would damage my credit. So I paid it in order to have it not harm my credit. I just had my credit checked again last week and I found out it is still damaging my credit. I tried calling them, and they said since I had paid them already it was a valid charge and I no longer have the option to dispute it. They never told me that I could dispute it when I called them in XXXX. They just wanted to make a profit. I asked them for them to provide my information showing that the debt was valid in the first place so I could go about disputing it directly with the credit bureau. They said that XXXX has this information, not them. So I called XXXX and they said they no longer have that information, but Diversified does. I called them back, and they told me the same thing. I feel like this company gave me false information, they are giving me the run-around and now I am paying the price for it by having damaged credit which is preventing me from getting a good interest rate.