WillisBack/dataset-financial-user-claim huggingface dataset:
This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX XXXX XXXX is currently reporting to TRANSUNION that I applied for credit with XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX XXXX XXXX. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.
Since 2015, I have tried to get Seterus, inc., to stop the harassment and bring my payments up to date as I never missed a payment. The company fraudulent ways have defrauded millions of dollars from costumes. At this time I am part of one of the {$5.00} XXXX Dollars class actions against Steterus , Inc., currently pending in the XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX Vs Seterus, INC _ XXXX XXXX _ Case No. : XXXX ( XXXX ), which Mr XXXX XXXX asked Mr. XXXX from XXXX, XXXX. See copy of the email. 
Also, after contacting a Civil Rights Group, and after submitting the overwhelming amount of evidence collected through the almost 4 years, they decided to take action. We are filing another lawsuit against the same company, Seterus, inc., for the serious mental and financial damage they created by not only threatening me with foreclosure, tried to alter my mortgage, phone, and mail harassment but also by reporting my mortgage delinquent to credit report agencies for years. We have found hundreds of costumes via social media who suffer the same faith, and we feel confident the law will correct the situation the company refused to do itself. Per the advice of the counselor, I was asked to hold back monthly payment until the lawsuit is filed, hopefully in the next weeks. After the lawsuit has been filed, I will re-initiate payments and submit the missing payments only after my lawyer has asked me to do so. 
I got told communication is now happening with the Office of the Attorney General, and it is possible the company will face more charges soon. I will make my evidence available to any agency who makes the proper request. I can be contacted via email XXXX XXXX
This is my second complaint. Chase/XXXX denied any wrong doings in regard to my home modification/servicing my home modification. The response was expected since banks have paid billions in fines already. With that being said, I have documentation that Chase forgave over several thousands ( Dodd-Frank Certification ) meeting all criteria for the ( MHA ) signed by Chase. This reduction was never incorporated in my home modification. What is not clear is why Chase " deferred '' XXXX as part of the loan modification. Any intelligent banker reviewing my modification would respond " you call this a loan modification? During this period, I was informed by Chase/Seterus to quit making payments so I could qualify for some federal assistance program. Boy, was that a mistake. Every time I discussed my issues especially with Chase they gave different and conflicting info. They never provided their full name or phone number. I talked with several reps across the country and they never took notes or returned my phone call. Soon, that became the norm. I wanted to talk with the same rep on a regular basis who was familiar with my situation. I would like to see/verify the additional following responses : Who has the deed to my location? Chase filed a discharge in XXXX 2014 almost three years after modification..Why is that and does Chase still have any involvement or are they working with XXXX? What did XXXX pay for the loan transfer from Chase? Also, Chase utilized attorneys from XXXX, Michigan ( XXXX XXXX XXXX ) to strong arm me utilizing tactics to foreclose rather than make arrangements for me to keep my house. Again, the numbers from Chase/XXXX XXXX XXXX are completely different and do not match. Why is that? I went thru a modification and it ended up costing me more and destroyed any credit rating I could have obtained. Did XXXX review any of the loan modification paperwork prior to purchasing/servicing same? Since XXXX does not make loans, it is more convenient for them to foreclose and make more money. If XXXX does own the loan, why is Chase still on all documents? I am current on my payments presently but I can not guarantee that will continue in the near future unless I get assistance, a principal reduction and a lower interest rate. I retained an attorney to look into this matter but he was " stonewalled '' at all inquiries. He was also very expensive. I am thinking about notifying my XXXX to look into this matter and resolve these issues to my satisfaction and ensure that all processes were legal. I also want to inspect at least XXXX document from Chase in reference to my modification. XXXX had me fill out these apps in detail and always requested something else. With each app submitted the numbers always changed. The final document which was signed was under duress and with a sense of urgency by Chase. I never knew from one moment to the next if that would be expected. Again, I standby my initial accusation that both XXXX & XXXX ( active participant ) and Seterus ( passive participant ) both committed collusion/fraud and I can prove it. Thank you and I will be awaiting your timely response.
XXXX XXXX, 2015Letters of Harassments. Beginning to receive letters from Bank of America, addressed from XXXX, Tx XXXX. Cover page states " Time Sensitive ''. Letter states " Thank you for sending your financial documents. Here 's what to expect next. Letter goes on and states that I have initiated home loan assistance. The sooner we receive your documents, the sooner we can evaluate your loan for " MODIFICATION ''. Letter has signature block of XXXX XXXX, Home Loan Team, Bank of America.
Trident Asset Management is reporting a account on my credit report XXXX, XXXX   and XXXX which does not belong to me. The account shows a open status from XX/XX/XXXX to present. I reached out to the company on XX/XX/XXXX about this account and did not get any help with the matter.
Previously disputed item from XXXX XXXX XXXX which has been deleted from equifax, XXXX and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
I sent a letter to XXXX XXXX and Equifax stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX ( XXXX XXXX Credit Card ), and Experian have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor and Experian re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account Experian XXXX ( XXXX Credit Card ) Item Status : Item latest removal was on XX/XX/XXXX. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration and with inaccurate information. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 
Sincerely, XXXX XXXX
About 2 years, I went on a cruise with XXXX XXXX XXXX and made a purchase through the XXXX. I was advised by the XXXX that I could return the items upon receipt. When I received the products, there was nothing included within the package related to what was shipped or return instructions. I contacted XXXX XXXX XXXX multiple times and was advised I would receive a call back once the information was gathered. 

After 6 months of attempting to return the products, I contacted XXXX XXXX ( my credit card ) and put the charge into dispute. XXXX XXXX conducted an investigation and contacted XXXX XXXX XXXX. XXXX XXXX did not receive satisfactory evidence from XXXX XXXX XXXX - in fact XXXX XXXX XXXX never responded to XXXX XXXX. As a result, XXXX XXXX credited my XXXX XXXX account for the {$1200.00}. 

About a year after XXXX XXXX credited my account, XXXX XXXX XXXX placed the account for the {$1200.00} with a collection agency. I have attempted to address this matter with the collection agencies multiple times and have even had to go the route of Cease and Desist contacting me. XXXX XXXX XXXX just re-assigns the account to another collection agency. Today I was contacted by Caine and Weiner on behalf of XXXX XXXX XXXX and was harrassed and accused of keeping goods where I did n't pay for services. My communications were not well received and I was treated as if I was a criminal.
I graduated from XXXX XXXX XXXX in XXXX of 2015. I had a grace period post college before repayment was to begin. I applied for a forbearance and was approved after that. Unfortunately, NelNet inadvertently negatively marked my credit report for a 90 day delinquency despite being approved for a forbearance. When I tried to call and remedy the situation the initial representative ( XXXX XXXX ) was rude and told me the only the only way to get it removed was to prove that I was in the military. That seemed to be a tad bit outrageous because I never mentioned the military, the NelNet representatieve seemed to be attempting to patronize me here. On this same day of communication the representative ( XXXX XXXX ) told me NelNet had a phone number for me ending in XXXX but she would not provide the entire phone number. I called back and spoke with a representative name XXXX who stated the number they have on file for me was XXXX. I advised the number was invalid for me. My goal was to help NelNet understand that the time frames in which I was being asked to repay did not align with their records therefore I should not be viciously marked for credit on multiple NelNet accounts for miscommunication and for also having invalid contact information. I asked if I could pay any past due amounts and XXXX XXXX told me that I did not have any. XXXX XXXX also stated that since they had not heard from me they negatively marked my credit until they did hear from me. I do not feel this is legitimate or fair treatment. I understand the position of the CFPB and I understand not everyone may agree with it but it needs to be in place because discrimination appears to be at an all time high. Based on the information I viewed there was ( 1 ) one 90-day mark on all NelNet accounts that I have in the past 10 years on my credit bureau reports. That does not align with a 6 month grace period post graduation ( XXXX ), plus one year of forbearance and then another year of forbearance. When I called to get grace period information on my XXXX call they did not even know when I graduated. They had me in an unemployment deferment. They said the information from the school must have been invalid.
On XXXX XXXX XXXX, I wired coinbase {$9000.00} to be credited to my virtual currency account on XXXX. At the time of the wire the company coinbase said it was a 2 to 3 DAY DELAY for Incoming wires to be credited to accounts. After waiting several days ( 10 ) I contacted the company via their support services online and requested an answer to where my funds were. Coinbase gave me a generic response telling me to wait more. I then called them a few days later and the customer service rep told me they never received any wire under my name and that my issue would be escalated to priority and solved within the next 2 days. When they told me he could not find my wire l, I called their Bank to confirm they received my money and their Bank which is the XXXX bank in New York confirmed coinbase received my money on XXXX XXXX, XXXX, one day after I wired it. With this information I then contacted coinbase several times through their email support, on social media and by phone again, always being told it 's going to be escalated. It has been over 23 days, coinbase refuses to tell me why my money is not being credited or returned and why they lied about their promise time of 2 to 3 days. Because of this I have lost opportunities to invest and they are holding my funds without any say from me.
Someone has committed identity fraud using my information. This is not my debt and I need this cleared up immediately. Thank you.
I XXXX XXXX do not have a complaint with any of the credit bureaus. This complaint is to make the credit bureaus aware that there is a debt collection agency that has abused my credit with Equifax and XXXX  respectfully. All debt collection agencies sign an agreement with the credit bureaus to report collections within the rules bureaus submit in their agreements. In 2015 the CFPC ( Consumer Financial Protection Bureau ) reached an agreement with the three major credit bureau on a change in rules on the reporting of medical debts. The rules call for a 180-day notice that must be submitted to the consumer that he/she has 180 days to rectify the collection, either through insurance, settlement or paid in full with the original medical facility or debt collection agency before the collection can be reported to a credit bureau. A copy of this decision from the CFPB is attached to this complaint. I am certain that the collection agency in question, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX is in violation of the rules with thousands of consumers, and their agreement with the bureaus must be voided immediately to stop this egregious activity that destroys consumers credit ratings. The collections must be terminated permanently and this agency should be given serious fines and sanctions by the CFPB accordingly. This activity by medical collection agencies must be given a stern discipline to cease such activities that hard consumers credit.
According to the Dodd-Frank Act of 2014, Ditech Financial, LLC could be in violation for not providing me my final mortgage statement showing how the payoff was applied, ( i.e. how much was applied to principal and how much was applied to interest, etc. ). 

My record indicates that there was a total of {$96.00} overpaid on this account. Unless, Ditech Financial, LLC provide me with my last statement, there would be no way for me to know if the payoff they had provided to XXXX XXXX XXXX is accurate. I was informed by them that they do not provide the last statement, but a letter informing me that my account is paid in full.
Contacted Ideal Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to settle a debt. Company withheld offering a settlement to the original creditor ( i.e., did not even present the offer ). Even once I/consumer disclosed that the original creditor would accept a settlement of at least XXXX if presented ( per their agreement they should at the very least present an offer ) XXXX XXXX and another female debt collector of the company said they would not uphold their agreement with the account holder because I should have paid the bill, and not wait until the bill was stopping me from getting something. Filing this complaint due to harassment and request that my debt is settled with another collection agency or the original creditor or they uphold the agreement made between the original creditor and debt collection agency.
My wife and I was trying to buy a home and pay off anything that stood out on my credit report. I had a judgement against me that was garnished from my check for a year paid every week out of my paycheck. This garnishment was over according to the contract and the attorneys office that filed the claim against me informed me that I still owed XXXX. We was trying to close on our home in XXXX of 2015. They would not answer or return any ones phone calls or emails, letting that amount gain interest. After several emails and phone calls over the next few months we finally got a hold of these people to get the amount. It ended up being somewhere around XXXX since XXXX. They have withheld my own documentation from me for prolonged periods of time causing A LOT more money to be paid out than what was needed. These people are criminals.
Bank of America is tracking my account information and/or expenses and " packaging '' it as financial planning tool. In reality, the firm is using the information as a UNDERWRITING tool and essentially scoring clients without the their expressed permission or without an application for credit. 
Data that includes information regarding of how and where clients spend their money should not be used unless clients are applying for credit and on a case by case basis. Additionally, how can clients be sure that this information is not being sold?! 
When I signed up for BOA Billpayer and to open an account, I never intended for my account information to be used to invade my privacy. I would like for each of my accounts to be viewed in silo going forward.
i received an alert on my XXXX, XXXX & XXXX  credit report that a collection was added on XX/XX/XXXX. The company XXXX XXXX XXXX XXXX and the amount is XXXX. I have attached communication from ERC on XX/XX/XXXX confirming that the account was open fraudulently and the account does not belong to me. They did delete the information from my credit report IN XX/XX/XXXX but they are now re adding the information back onto my report IN XX/XX/XXXX and THE ACCOUNT STILL DOES NOT BELOW TO ME!! THE ACCOUNT THEY HAVE IS FOR SOMEONE ELSE THAT FRAUDULENTLY USED MY SOCIAL SECURITY NUMBER! AS YOU SEE IN THE NOTICE THEY STATED A " XXXX XXXX '' WHICH IS NOT ME AND THE CONTACT INFORMATION THAT IS NOTED IS NOT MINE! THE COMPANY IS DOING FRAUDULENT THINGS BY REMOVING THE DEBT THAT DIDN'T BELONG TO ME AND THEY ARE NOW RE ADDING THE SAME DEBT WHICH THEY ARE NOT ALLOWED TO DO!!
I have attended XXXX on 2 separate occasions and both times were unable to get further after obtaining my lisences. I now owe {$70000.00} of debt and XXXX has interviewed me twice and not once did I hear back from them. I have been out of school with my XXXX XXXX for 3 years and still dont work in the field that I love. I have applied multiple times and havent heard anything back from XXXX.
To whom It may concern OnXX/XX/XXXX, and XX/XX/XXXX, I sent a certified letter to XXXX and Experian informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. OnXX/XX/XXXX, I received two generic letters from XXXX stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from XXXX. I still not have received a response from my first letter from Experian and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.
I am disputing the collections on my account as it is not my address and I never lived there and it is not my charge. 

CREDIT MANAGEMENT LP XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX thank you, XXXX XXXX XXXX
Citibank 's business practices and lack of sensitivity toward the XXXX violates XXXX Laws. Upon speaking to Citibank concerning charges, XXXX on chat online began to enlarge text after I disclosed that I was XXXX. She began to repeat the same text and send enlarged text. I found this to be highly insensitive and offensive. I did not request for her to enlarge the text and I never told her that my XXXX was visual impairment. I am requesting that this be attached to any previous complaint submitted regarding the discrimination that I have endured while banking at Citibank. I was refused service at the local branch in XXXX XXXX because I was XXXX. The accounting practice subject customers to overdraft fees, charges that are exorbitant, customers are forced to pay merchants who do not provide the merchandise, etc. The bank does not display a policy that is supportive of their XXXX customers. I have also noticed that the same person who assisted me on this chat was not named XXXX, but XXXX and this same person was the same person who chatted with me regarding a different company like XXXX. I will support the chat transcript of CITI and XXXX.
In XX/XX/XXXX, I paid off the balance of approximately {$440.00} in full. I did not use the card again and I have been a holder since XX/XX/XXXX. The annual membership fee was added to the card balance in XX/XX/XXXX unbeknownst to me as I don't recall receiving any statements, and Capital One never once called to alert that the account was past due. Instead, Capital One has reported the " annual membership '' amount repeatedly as late for over 120 days as if it was in fact a balance that was incurred through actual charges. Not once, did they have the common courtesy to call me realizing that the only charge on the account was for the membership fee. As a result, CO has closed my account severely impacting my credit resulting in a decrease of almost 47 points. I spoke with several reps today that refused to re-open the account and indicated they reported it correctly a few days ago to reflect a {$0.00} balance. However, an alert to my credit report today ( XX/XX/XXXX ) shows a {$64.00} past due balance.
There is an account on my Equifax credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to Equifax on XXXX XXXX. However this account was never on my Equifax credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to Equifax at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with Equifax about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.