WillisBack/dataset-financial-user-claim huggingface dataset:
I was on XXXX and capital one popped up as card recommended for me, in no shape way or form did I give them permission to run a hard inquiry on my credit. I did n't even apply for the company. I emailed and called and wo n't respond. 


Creditor Contact Details CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( XXXX ) XXXX XXXX XXXXXXXX., due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.
Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the Equifax, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
XX/XX/2018 I called to inquire about Internet service through XXXX XXXX and was asked to provide my physical address. I asked them if they were going to do a credit check and they responded with no. I told the agent I was not authorizing any credit checks at this time. I received a notice that my credit had been pulled and contacted XXXX XXXX and asked for them to remove it. I received no help from them and proceeded to call Trans Union for assistance. I filed a claim and was told that there was nothing they could do to help me that I would have to resolve it with XXXX XXXX. I never authorized my credit to be pulled. They ran a credit report by my physical address. Please help me and removing the credit inquiry from XXXX XXXX from my credit report. The inquiry was made today XX/XX/2018. Sincerely XXXX XXXX.
I applied for a loan modification and made all three of the trial payments on XXXX XXXX and XX/XX/XXXX. My modification paperwork stated I made all my trial payments and was accepted for the modification and on XX/XX/XXXX my first payment of XXXX would be due and would be my payment until escrow was figured out I received a letter that on XX/XX/XXXX my payment would increase to XXXX which would be my new payment with escrow. Called to make XXXX payment and agent said would not take payments of XXXX needed to pay XXXX I said my paperwork says XXXX is payment for XXXX and XXXX and XXXX XXXX I had 5 agents tell me to pay XXXX and 4 agents tell me no XXXX and 6 supervisors told me only XXXX and 4 supervisors told me no XXXX one supervisor took a XXXX payment said it was correct and someone else canceled it out because it was not XXXX this went on for 3 months until mortgage was 3 months behind 20 calls later it was never fixed and now 4 months behind and no one agrees on XXXX and XXXX payment amount just filed act 91 notice XX/XX/XXXX this is with freedom mortgage XXXX XXXX XXXX XXXX TX XXXX
I have received numerous calls/voicemails from a XXXX XXXX, claiming to be from The Weinberg Mediation Group, she threatens to contact the local authorities to have me placed under arrest. She has also called my Employer, family members and states the same information. I have inquired with a XXXX, IL Attorney regarding and was advised this is a scam and to file a complaint. 
Phone Numbers calls are received from ; XXXX & XXXX
Financial Recover Services, in the attached letter, claimed that I owe in excess of {$400.00} for debt relating to a " XXXX Credit Card ''. I have never possess a XXXX   Credit Card, and this may represent identity theft. If this claim adversely affects my credit rating I would like to seek damages.
On XXXX the XXXX I sent a letter via certified mail to XXXX XXXX XXXX XXXX asking them to validate a debt that they reported on my credit report and to provide me with my signature. By law i have that right to have the debt validated. XXXX XXXX XXXX XXXX received my letter on XXXX XXXX and around the XXXX or XXXX of XXXX i received a letter back stating that they were unable to locate XXXX XXXX in their systems. If they were not able to locate me then why are they reporting to the collection agencies.
The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address
In regards to case number XXXX filed with the cfpb and the response from equifax, they have completed their investigation but have not provided any evidence from their investigation received from the furnisher of information regarding my dispute and when asked how was this investigation conducted, they stated electronically and the furnisher provided my name, address, phone number, and social but equifax did not receive any physical copies as required under FCRA section 609 therefore they refuse to remove this account and stated it is verified but the process they are using is not the correct process as stated under FCRA or considered as a valid, proper investigation.
Volkswagen Credit 's website avoids telling consumers what their actual balance is. The account details page has nothing about balance, the payoff quote page does n't give payoff quotes, just asks for bank account numbers. Nowhere on the site does it have anything about balance. There is a corner where you can download pdf files for offline viewing which so helpfully have PAST statements about two months old, though these focus entirely on the billing aspect, deemphasizing the remaining balance. 

However, since I 've made a couple large payments recently, it goes so far as discouraging further payments until two years from now. It suggests I do n't make another payment until 2019 XXXX, and makes a huge deal about how " nothing is due '', and " no payments necessary ''. 

In short, they want consumers to be uninformed about what they owe and let their balances sit and accrue interest.
XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts and addresses from my credit reports that do not belong to me.
XXXX is illegaly attemptinh to collect on an unverified account which is in dispute. 
I have a dispute entered with the credit bureaus on this accunt and received paperwork for a judgement/ garnishment wages in the mail today.
I have a XXXX dollar balance on one of my two WELLS FARGO Visa cards. This card is closed. I cant get out from under this balance. I have been paying on this card for two years. I get at least XXXX a month in fees. I want to pay this debt but seems IMPOSSIBLE. Also I can no longer view my account including payments made, interest charged etc. I am told I can no longer access this account? The bank will not work w me in any way, even though I have been a customer for 20 plus years and have always paid my debts.
The Citibank Double Cash card provides protection for Damage & Theft of items bought with the card for 120 days. My sunglasses bought on the card were stolen at the XXXX airport while traveling outside the country. When I came back and asked about the benefit I was asked to file a claim with a Police Report. I filed a police report with City of XXXX and submitted all the information claim form, copy of credit card statement, detailed receipt and a copy of the police report. The claim was denied stating the police report was value and hence the claim has been denied. I tried reasoning with the Citi Dobule Cash Card claims personnel and they refused to entertain the fact that Police report filed was infact true and the claim should have been processed.
Old case # XXXX we had this resolved. Same bank different complaint. Equity line modified, term not principal even though the house was appraised {$77000.00} less then the new equity line. I think they beat you until you will take anything after fighting for 3 years. The new complaint is I had to obtain a lawyer to tell me to stop paying PNC or they will not respond I had to ruin my credit. I asked them after it was al said and done what do I have to do to make my new loan current. They told me I would be on a trial bases for 3 months. I asked if I could make XXXX payments early to get current earlier. They said yes. I made XXXX, XXXX and XXXX payments XXXX XXXX. I was imfomed the following week that XXXX payment went into XXXX and my other XXXX payments went to principal and I still owed XXXX, XXXX and XXXX. I have been abused by this bank for 3 years. I would like to meet with someone from your agency to discuss this in person. 

Regards, XXXX XXXX
I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few XXXX dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.
I received fees on an account that I do n't use often. I was n't aware of the overdraft fees and as a result, I was charged an initial overdraft fee for the charges and then a {$7.00} fee everyday after that. The initial charge that caused the overdraft {$35.00}, but my balance with all the fees is {$230.00}. I have spoken to the bank and stated I would pay the initial charge as well as the overdraft fee and was told they were n't able to. I was also informed that if I did n't pay the fees, they would charge off the account and it would affect my credit.
Unfortunately, I do not know the company. It is from a blocked number. Someone leaves a voicemail message that says XXXX XXXX wants me to call her at XXXX with student reference number XXXX to talk about repaying my Federal Loans ( which I pay monthly WITHOUT FAIL ). I receive this call at least two times a day. It interrupts me at work and it comes in the evening.
I 'm in the process of buying a home, my lender pulled my credit and an account just reported XXXX XXXX # XXXX by Transunion for {$10000.00} collection account which is NOT mine. This is false information I called XXXX XXXX # XXXX XXXX they do not even have my social in their system. This needs to be removed ASAP. AGAIN THIS IS NOT MINE AND NEEDS TO BE REMOVED. Your company 's inaccurate reporting is costing me a lot of money and to buy a home. PLEASE HELP ME
In 2008 I moved in to a basement apartment in XXXX, GA. When I called to set up the utilities with Georgia XXXX XXXX they put my name on both the upstairs dwelling and the basement apartment. I was only renting the basement apartment. I found out about this because I started getting bills for both units. I contacted Georgia XXXX XXXX to resolve the issue and they never corrected it. I contacted the owner of the dwelling multiple times. He only complained about how horrible the company is to work with and said he would see what he could do. When I moved XXXX months later I closed the account associated with my unit. The other account was not yet sorted out. I told the landlord about the issue and left it in his hands. Fast forward to the present. I have been working on improving my credit. I ran a report on myself to find that the bill is still unpaid and still in my name. Now a collections company is contacting me to collect the debt. The debt is not mine. It appears to be an error from the customer service representative who worked on setting up my account seven years ago. I am upset that a data entry error is now negatively impacting my credit.
I have successfully sent over documentation/supporting details regards to this fraudulent /incorrect account that have been added to my file. After speaking to numerous customer service reps in addition to faxing over documentation showing I am a victim of identity theft. Despite showing supporting document XXXX, has failed to update my credit file accordingly. 

XXXX XXXX XXXX Amount of XXXX Reason : Fraudulent Account
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90  days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
I was selling my property in XXXX and was supposed to have the closing on XX/XX/XXXX. Yesterday the buyer informed that he is walking away. There was an issue with appraisal where the appraiser selected wrong properties as comparibles, didnt do the adjustments properly and had arithmetic errors all resulting in an deflated value. That appraiser had 4 recent ethical violations on his record. The lender for the buyer was told to use last appraisal from XX/XX/2017 from prior deal that fell through, but since it was an FHA loan ( so is this ) they can use the same appraisal for up to 6 months. That XXXX appraisal done by another appraiser, was correct and free of errors with an appraised value of much, much higher than the one with errors. 
Now, the lender took no action, the buyer is annoyed, unwilling to go to another lender and is walking away. We all here understand the issue with the appraisal and the appraiser. 
Can we bring legal action against the lender - XXXX ( originating mortgages for XXXX XXXX XXXX ) for failing to abide to rules and regulations of FHA financing and failing to use the XXXX appraisal? They should know the rules that in FHA loan an appraisal stays with the house for 6 months regardless of the lender. It's obvious and clear on the appraisal they got from the latest appraiser that the adjustments are not done correctly, there are simple math errors, not to mention selecting wrong comparibles while right ones were available. The lender admits there are errors, sent it back to the same appraiser for corrections, but 2 weeks later no corrections were done and the same exact appraisal was sent back. The lender is not taking appropriate actions. 
Because of this lender I will lose the deal and money, and I already sold most of my furniture to have the house ready for closing in a week. 

Thank you!
Wells Fargo is currently blocking my request for a loan modification and forbearance. My application for a loan modification is not being reviewed per Consumer Rights Under CFPB, Dodd-Frank, and RESPA Consumer Rights.
was denied from a lender due to " too many inquiries '' from Equifax. I was alerted by that, therefore I proceeded to check my credit reports from all the bureaus for accuracy purposes. I then noticed that there are several inquiries on my report that I DID NOT AUTHORIZE AND HAD NO KNOWLEDGE OF. I contacted Equifax and was given no relief and provided no help to my issue. I placed a fraud alert to prevent this issue in the future. Please, see the inquiries that were not authorized by me and when the report was improperly requested and received. I contacted the companies, they were unable to provide me with any information and none of them received any identification and authorization from ME to request my credit reports for any reason. 
XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX- XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX card - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX- XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
I would like to file complaint against PNC MORTGAGE located at XXXX XXXX XXXX XXXX Ohio XXXX for mishandling my payments and overcharging my account. 
Loan # XXXX My loan used to be with XXXX XXXX and everything was going fine in XXXX XXXX the loan got sold to PNC MORTGAGE and for some reason the property insurance documents were not transferred with loan docs. PNC purchased a placed lender policy and of course our monthly due went up almost XXXX dollars after it used to be XXXX it became XXXX. We used to make an automatic payment of XXXX dollars for the difference to apply to principal. 
I submitted the proof of insurance from XX/XX/XXXX several times until they admitted they received. I called them so many times over the last 2-3 months to refund our money and to stop their collection calls but nobody want to cooperate. Last call was on Friday XX/XX/XXXX I asked to talk to a supervisor they said he or she is not available and will call me back and of course no one did. 
All what I asked for is 1-to refund the XXXX dollars for the Lender placed policy 2-refund all overcharges to our account and replenish our escrow account accordingly including overcharges plus any interest or late fees assessed. 
3-not to charge our account for the insurance policy that we already paid for directly to our insurance agent 4-apply the difference between our correct due amount and the XXXX dollars toward our principal 5-stop their collection calls
I have been attempting to obtain a loan modification with  Caliber Home  Loans for years. I have sent them several packages with my financial information per their request. Each package is either denied or rendered not complete for very small details which could be corrected if the servicer properly gave timely notice of said missing documents.     Most recently a complete modification package was sent in   XXXX  2017   . On   XXXX   XXXX   , 2017, I co ntacted  Caliber Home  Loans to inquire as to the status of the modification package that had been sent.  XXXX , the representative who I spoke to at that time advised me that they needed updated pay stubs, bank statements, and a  XXXX  form in order to finish the review for my loan modification. When I advised  XXXX  that I could provide him with that information immediately, he told me not to bother sending it in because the foreclosure sale was set for less th an thirty-seven days  from that date. ( Foreclosure sale was set for   XXXX   XXXX   , 2017 ).  He went on to say that Caliber would not look at any of the updated information we sent and that the loan modification would be automatically denied because we were less th an thirty-seven d ays away. In other words, they refused to do anything at this point.     As a result of this information, I immediately set an emergency hearing to reset the foreclosure sale. Said motion to reset sale was granted and the new sale is  XXXX   XXXX  , 2017.      I was extremely shocked by the way Caliber has handled this. If I had not called them, they would have not notified me of the need for updated documents. Additionally, refusing to consider me for a modification because we were out less t han thirty-seven  days prior to the sale is not only unethical and against standard practice, but also against the final judgment in this foreclosure case. Among the stipulations in the final judgment of foreclosure in this matter is that I be considered for a modification while I am the title owner of the home.     I have been extremely prejudiced by Calibers handling of this not only for past conduct but also because I had to resort to setting a hearing court to have my foreclosure sale date reset. Generally courts are very discretionary on granting these motions, yet I was forced to request a reset of the sale before it was timely only so   Caliber   would finish processing my loan modification paperwork. I am not asking for much, just simply that Caliber provide me with a trial payment plan so I can be given the opportunity to make mortgage payments and save my family home.
XXXX XXXX has fraudulently been using my SSN since XXXX and in XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

XXXX & Transunion wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

XXXX XXXX site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to Transunion, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is XXXX.