WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion has sent at least two requests for proof of mailing address as a delay tactic. 
After sending a so-called investigation result less than a month earlier. Since I did n't move or give any reason to believe I moved in the approximate 15 days in question this much be a delay which puts them in violation of the 30 days provided by the FCRA ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX TransUnion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX RE : File # XXXX Request for Proof Address Dated XX/XX/XXXX To Whom It May Concern : This request for verification info is a delay tactic since this information was provided with your file # XXXX dated XX/XX/XXXX. You are in violation of the 30-day requirement to respond Immediately remove disputed items. Please find enclosed the items in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Cc : Consumer Financial Protection Bureau ACCOUNTS ALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX   XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX {$410.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$190.00}
This company is the worst company. They are scammers they are adding extra fees to my account. Customer service is terrible. Interest rate is sky high. They are doing this to the who is going to stop them ... ...
I discovered this derogatory mark on my credit report and never received a notice of right to dispute.
I purchased a vehicle back in XX/XX/XXXX and paid it off in XX/XX/XXXX by this time my transmission went out on the vehicle and they called stating I owed more money which I didnt so they still had the title I told them that they werent getting another dime so since the transmission was gone I told them to come and get the vehicle which they did not so now Im stuck with this on my credit and it is impacting my credit score I want this removed immediately they have sold the supposedly debt to a collection agency which was removed westlake financial is the worst
I make monthly payments on my student loans. The payments are made out of my mother 's account by auto debit each month. The payments come out of the account each month between the XXXX and XXXX of each month. I have never missed a payment yet the servicer Navient did not apply my XX/XX/XXXX payment. I 've called the servicer Navient several times, talked to various customer service representatives, provided the bank records they requested to show we made the payment, and yet the servicer Navient has not applied the XX/XX/XXXX payment and has failed to even follow-up with me to explain what happened or even whether they 're looking into the payment they did not apply. I 've had to repeatedly call them to remind them of this payment they did not apply and to prod them to resolve this issue.
I had a loan w ith OCWEN. We  sold our house and had new financing and we 're going to pay them off. We had a closing date and the payoff amount. Once we closed the loan and they were paid off, about  two  months later it showed on my credit report that I ha d missed two pa yments to them. Which my title company and I were told not to worry about because they knew of the closing date and we had the exact payoff amount. I have tried to contact them numerous times to get this removed from my credit report and they will not do it.
My husband and I requested credit investigations with Equifax back in late XXXX. Well over 30 days have passed. My husband received his credit investigation results but I have yet to receive mine.
I have told this particular debt collector I would contact them as soon as I was financially stable to start making payments, to which they told me to ask family and friends for the money which is absurd. I get atleas t 3 c alls a day some after  XXXX . I got called in to work on my day off to be told I was being let go for the call they made to me while I was not at work. Its emergency call ins only and they tied up the phone. So now I am unemployed and the entire office knows I 'm in debt with bogus student loans from a fake school.. XXXX  College.
I HAVE NEVER HAD AN ACCOUNT WITH MARINER FINANCE FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
XXXX has submitted alleged cable bill to XXXX collection companies for which I do not owe. 
I have never lived at the address for which I am being billed. 

I previously made this info available to the first collection agency in XXXX XXXX. Additionally, I filed ID THEFT complaint with XXXX Police Dept., notified XXXX CREDIT REPORTING AGENCY, AND IDENTITY THEFT.GOV Now, in XXXX XXXX I am being asked to pay.
I do n't know how to answer the preceding question and it appears irrelevant. 

I printed the form on the CFPB 's website to request a free annual credit report from all XXXX main credit agencies, completed it and mailed it to the address indicated several weeks ago, via certified, return receipt USPS delivery. I got a letter from Equifax that falsely claims it did not receive information just submitted, such as my address. It further demands my social security number and birth date. I have received copies from all XXXX major credit reporting agencies at the address provided since 2001, for well over 15 years. The credit bureaus are so out of compliance with existing laws and they have caused me so much damage with lost credit and higher costs of credit, that they should be required to send me my credit reports to the same address they have sent them to for years, but only AFTER the CFPB forced them to give me copies of my credit reports. A recent pull of my credit report from Equifax and XXXX by XXXX XXXX XXXX XXXX indicates that my credit score has dropped precipitously and could hurt my ability to get a mortgage loan or at the best possible price. In the past, both of these credit bureaus have repeatedly carried false information in my reports that have injured my ability to get financing at the best possible rate. Equifax has acted hostilely to me for years, with little or no consequence and can not be trusted. Furthermore, they are not entitled to record, keep or provide my social security number and birthdate to third parties, yet they do so relentlessly against my written directions to cease and desist from doing so, exposing me to unwanted risks to my privacy, identity theft, cyber crime from all over the world, and enormous, unwarranted, credit difficulties.
Aged item showing on my credit report. Item was place on report showingopen : XXXX XXXX activity XXXX should be report it is passed the 7 years.
Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution, as well as protection from future attempts to steal my identity or lines of fraudulent credit in my name.
I am writing this letter because I have repeatedly requested a BREAK DOWN of this past due billing information that I have received. 

I have repeatedly told MCM that I do not owe this amount because I was on a monthly plan with XXXX paying {$50.00} a month. The bill that they are charging me for looks to be adding the cost of a Galaxy S phone hat I was using my sim card in, but that phone was on my husband account and not mine. He was charged for that phone and paid it off on another collection account with MCM. They are trying to charge us XXXX for the XXXX phone. I was using the phone ( switch my sim card ) but my husband was the one who had got the phone on another phone number and not mine. I am inclosing a copy of the billing information I have received, and as you will see they still did not break down the past due billing for me, only telling me I owe X amount for this account. 

I am asking to have this account dismissed and removed from my records because I am not paying for something I have tried to explain to them I do not owe.
Trans Union refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Trans Union is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately from my Trans Union credit report.
XX/XX/XXXX, I have decided giving up everything and goback to my home country XXXX because i was having difficulty in many problem. and after i left the country i lived in XXXX for 2 and 1/2 years and came back XX/XX/XXXX. When i came back i found out that within that period of time my identity has been stolen and many fraud activity has happened to me. i am still not able to open the account with any banks and lived my life as a bad credit/ charge off person for past 6 years. i tried to reach FTC many times and tried to dispute the problems with XXXX and other credit bureau. and im getting ignored all the time. I desperately in a situation needing help, if i cant be helped then either im gon na have to file bankruptcy or just go back to XXXX. Please help me
I was owing XXXX {$1800.00} and the account was sent to Central Credit service for collection. I called Central Credit services and they told me to do a pay off .We agreed on a payoff of $ XXXX.I paid {$1200.00} and i expected the collection to be taken from my credit.I checked my credit and i discovered that Central Credit Services put it in my credit that i still owe $ XXXX.I called their office and i learnt that the debt is for someone else.I dont understand why i should have an account belonging to another individual, in my credit because we share the same surname. I tried every effort to get this resolved but Central Credit Services is not making any effort to help me out.Central Credit service put another individual in my credit because we share the same last name.
Capital One keeps cutting off my credit card for " fraud '' reasons. First, I applied online for the card and was approved. No further information required. 

Then, I called for an unrelated reason and was routed to their fraud department. They said I needed to send in my driver 's license. Understanding the need for verification, I did that. They guaranteed this was all that was needed. 

Then, I get a call telling me that they got the license but now they needed my social security card and a utility bill. I told the person that I had already provided the license, which they had previously told me would be sufficient. They did n't care and made me send in the additional documents, which I did, and the card was active. 

Then, ALL OF A SUDDEN, I had been using the card for some time and Capital One shuts it off without telling me. I call and they tell me they need THE DRIVER 'S LICENSE I SENT ORIGINALLY! It took the man looking through his notes to realize I had provided this and much more already to re-activate my card. 

I understand the need for security but this is ridiculous. Capital One can not just continuously cut off people 's credit cards because they ca n't keep track of the sensitive personal documents that people send in.
On XX/XX/XXXX I received a Collection Notice from XXXX XXXX XXXX ( " XXXX '' ) alleging I owe {$32.00}. On XX/XX/XXXX I responded to XXXX via USPS Certified Mail ( XXXX XXXX XXXX XXXX XXXX ) by sending a Debt Validation Letter. XXXX never responded to my letter ( USPS confirms delivery ). The validation letter disputed the in writing ; the amount of the debt, the creditor to whom the debt is owed, a statement disputing the validity of the entire debt, and a request for the name and address of the original creditor. XXXX failed to respond to the validation request. Now, one year later, XXXX XXXX ( " XXXX '' ) is attempting to collect on the same debt XXXX attempted to collect on. However, XXXX   is estopped from collecting on the debt because the debt was never validated by XXXX. Therefore, XXXX is unable to sell, convey or transfer " collectable '' debt when XXXX failed to validate the debt pursuant to a Debt Validation request under the Fair Debt Collection Practices Act. In an abundance of caution I have sent via USPS certified mail a Debt Validation letter to XXXX. XXXX is collecting on an uncollectible debt- conveyed to XXXX by a company with knowledge the debt is uncollectible and unvalidated. The shell game played by XXXX and XXXX continues to cost me time and postage. Please put a stop to this egregious abuse of the FDCPA. Moreover, I disputed this alleged debt with the original creditor and received no response. The alleged debt was first disputed with the original creditor, again disputed with a debt collector, XXXX, and now a third time with another debt collector, XXXX.
It was denying my application for credit card from Chase Bank I have saving account and checking account How that was receiving credit card from different bank and the credit company
On XXXX/XXXX/XXXX XXXX charged me in the sum of {$4000.00} for services to be rendered, on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX XXXX XXXX in the sum of {$1300.00} for services to be rendered, XXXX/XXXX/XXXX XXXX charged {$1300.00}, XXXX/XXXX/XXXX XXXX charged {$1200.00} and XXXX XXXX, XXXX XXXX {$3400.00} to my Wellsfargo card. 
The issue here is that I have been victimized by XXXX along with several other companies and their blatant misrepresentations. The fact is that we did not receive what we were guaranteed I received a vague contract and were left to rely on the representative 's integrity. I told the sales person repeatedly that I did n't think we could do this and I were promised repeatedly that they would generate leads and get our business started ; I paid and trusted them only to be left stranded. This is a scam! The " Virtual Platform '' was sold as a " business opportunity ''. I tried several times to get our money back and literally begged ; instead I received different sales people and a new sales pitch. I never received the services that were described at the time of purchase. I have looked into this company since then and found out that they have multiple complaints with the Better Business Bureau that sound exactly like our situation. This company has a long record of lying and taking advantage of people just like they did to us. 
Neither company has refunded our money. I contacted the merchant directly to no avail. These are NOT billing disputes. This is a matter of not receiving the products and services that were described to me at the time of purchase. Please have the bank investigate these charges so I can get my money back asap. 
THANK YOUXXXX XXXX
My HELOC with XXXX XXXX XXXX termed out XX/XX/XXXX and at end of term XXXX XXXX sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called XXXX XXXX XXXX for guidance. I was told by a representative to continue making monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from XX/XX/XXXX - XX/XX/XXXX. I then called the XXXX XXXX customer service line. The XXXX XXXX XXXX  representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact XXXX XXXX who called customer service on my behalf many times. Then Huntington Bank took over XXXX XXXX XXXX and now many of the personnel familiar with my situation are no longer employed by Huntington Bank. Luckily my XXXX XXXX branch contact XXXX XXXX is still with Huntington Bank. XXXX has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected. Huntington Bank has since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internally, Huntington Bank knows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.
Equifax reports that my personal information was likely leaked in the hacking of their databanks in XX/XX/XXXX through XX/XX/XXXX. This could include my social security number, date of birth, drivers license number, etc.. I never consented for Equifax, or any other credit bureau, to collect this information and the loss of it is squarely their responsibility. I am unable to get a new SSN or drivers license number, these have been compromised and will never be safe again. It has been reported that certain leadership of Equifax sold some stock in the company before the reporting of identity theft was reported.
That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception.

XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the  C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a Gold Star Family Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran   and this Gold Star Family member. Please?
My last statement from Ocwen Bank is dated XXXX XXXX,2015. Today is XXXX XXXX, 2015. When I called them today I was told, because of 'technical problems ', statements were not sent out in XXXX or XXXX but payments are to be made anyway. If payments are delinquent or late there will be fees levied against the 'offenders ''. Since Ocwen is a debt collector I am concerned they will use this as an excuse to foreclose on some home owners. I personally know someone who has just received a loan modification, his acceptance of the new agreement is shown by his next payment. I am concerned they will use this as an excuse to negate their agreement. Not everyone would catch this behavior. 
If this really was a 'technical problem ' then there should be a grace period for those affected by it. 
This is the XXXX time in as many years that Ocwen has not sent me a statement. Please check up on Ocwen to see how many people this 'technical problem ' has harmed and how much money in fees this 'technical problem ' has netted Ocwen.
I bought a new car and paid cash. However, XXXX XXXX XXXX used XXXX  and pulled my credit without my consent! I received a notification from XXXX while in the lobby and inquired about it and was told it was because I wrote a check. I was not applying for credit and my credit should not have had a hard inquiry to buy a new car without financing.
I received a phone call from a company called XXXX XX/XX/XXXX read the message and ignored it. Then received another XX/XX/XXXX and called back and found out that I had supposedly got a loan from payday advance the total was {$280.00} through a bank called XXXX Bank, this happened sometime in XX/XX/XXXX. I went up to the XXXX Bank and found out my that the account was closed XX/XX/XXXX. I did not apply for any advance loan anywhere on line or at the bank. I was directed to fill this out. When I spoke to XXXX he was able to give all my information such as address, name, & social security number. As I explained to both gentlemen XXXX XXXX XXXX XXXX XXXX XXXX in the fraudulent department I did not get any loan. thank you
Sent payment via money order for settlement offer. Post office receipt confirms arrival date of money order wasXX/XX/XXXX. The payment was dueXX/XX/XXXX. The company shows online they did not post payment to account until XX/XX/XXXX. They are still trying to collect the remainder due to the date they posted payment to account after the due date.
After months of diligent efforts by our firm, XXXX, and our clients, we finally received a modification offer from Bayview in connection with our clients ' request for mortgage assistance application. A representative from Bayview called our firm to disclose the terms of the offered modification on XX/XX/2016. During said phone call, the Bayview representative stated the interest rate would be fixed at 2 % for the first 5 years and then it would increase each year until it reached 3.375 % at which point it would remain fixed at that rate for the remainder of the loan term. 

Our clients accepted the modification offer and began making payments as directed under the trial agreement. Then in XX/XX/2016, Bayview sent our clients the final modification agreement to be executed and returned. Even though Bayview had previously laid out the terms of the modification, the final agreement contained a substantially different material term. More specifically, the final agreement stated our clients ' interest rate would increase up to 4.125 % instead of the 3.375 % previously agreed upon. Given the large balance of our clients ' loan, this seemingly small difference results in an additional {$200000.00} in interest that will be due and owed by our clients. Our clients accepted the modification offer based on the terms as specified on XX/XX/2016 and now they are being forced to continue with the improperly changed terms due to the fear of losing their home. 

In addition to the improper change of max interest rate, Bayview has also imposed illegal or otherwise improper fees on our clients ' mortgage account that are explicitly prohibited pursuant to the terms of the modification agreement. The final agreement includes the following provision : " Borrower and Lender agree that if there is a pending foreclosure action that results in a voluntary dismissal as a result of a modification or a similar settlement between Borrower and Lender then Borrower and Lender will each pay for their respective attorney fees and costs and neither party will be responsible for the other parties attorneys fees and costs. '' Despite the foregoing, Bayview has tried to collect numerous foreclosure fees and costs in violation of said provision. Bayview has imposed almost {$10000.00} in foreclosure attorney fees and costs since the modification has become effective. Moreover, Bayview imposed more than {$20000.00} in foreclosure fees and costs on the borrowers that were added into the modified principal balance of the mortgage loan. Since the foreclosure action was voluntarily dismissed, our clients are not responsible for any of Bayview 's or the lender 's attorneys fees or costs.