WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX   (  same as    XXXX   XXXX   XXXX   XXXX   ) refus es to report my account  XXXX   XXXX   XXXX   XXXX  as settled in full which  it was via    XXXX   XXXX   XXXX   XXXX    (   XXXX   XXXX   XXXX   ).  I filed dispute with you for  XXXX  and Transunion last year. Transunion fixed it, but  XXXX  dispute ( #  XXXX  ) produced NO results  (   XXXX    XXXX   ). Since then I have to dispute this with  XXXX  every month as they take this in and out of my report . Pls review  my previous dispute (  XXXX  ) - THEY ARE THE SCAM! Pls verify with  XXXX   XXXX .    XXXX   XXXX  says that I have another account with them #  XXXX   XXXX   XXXX   XXXX . I do not remember opening that account and I asked them for the proof of ownership. They refused to provide it again, just like with the account above. I asked for dispute of ownership, sent them their papers but they never got back to me. It is also by  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , SD,  XXXX  (  XXXX   XXXX   XXXX   XXXX .     PLEASE HELP ME GET RID IF THIS SCAM ARTISTS. I paid off over  XXXX  in credit card debt and it is all clean except these  XXXX  stupid accounts that I am not liable for.   Thank you  XXXX   XXXX
XXXX XXXX XXXX XXXX ran a credit report without my permission, in fact, I specifically told them I was " shopping for best rates/terms '' and to " not run my credit '' - I said this by phone and also emailed. The reply acknowledged that my credit would not be run. 
It is now on my credit report with Experian ( not sure if with XXXX  and XXXX- but will be checking ). 
Experian Rep and website said I need to dispute this directly with XXXX. 
I called XXXX and they told me that I need to dispute it with Experian. 
So, I am getting the runaround. 
Additional info is that XXXX was negligent in reporting to Experian that I closed my credit card with them last XX/XX/XXXX. So, this card was still noted as " Open '' on my credit report. 
I was able to dispute this online with Experian, however, also addressed this in my call to XXXX XXXX XXXX XXXX this morning. They confirmed that my credit was closed last XX/XX/XXXX, however, could not confirm that they reported this change to the Credit Bureaus. 
I need help to get this credit inquiry removed from my credit report. As it stands it will be there another year and a half if not dealt with.
On XX/XX/XXXX I was notified by XXXX that there was a change in my credit report and score, showing that XXXX XXXX had reported a collection account that is closed to my report resulting in a 71 point drop in my credit score. I immediately contacted TransUnion to dispute this, advising them that the reported collection account was NOT mine. 
OnXX/XX/XXXX i was able to contact XXXX XXXX   regarding this and they admitted it was submitted in error and should have NEVER been reported at all or even sent to them for collections. XXXX with XXXX XXXX assured me that on XX/XX/XXXXthey would send over the information to TransUnion that it should have never been submitted and that they would tell them to restore my original score. 
On XX/XX/XXXX I was notified by XXXX that the account was removed from my report however my score did NOT restore to the original score. I contacted TransUnion and was transferred 3 times and finally was told by a representative that they would not restore my score even though they had received information from XXXX XXXX to remove the account because it was done so in error. 
I have attempted multiple to resolve this however TransUnion is unwilling to do so. 
TransUnion is supposed to be CORRECT information and even though they were notified that the submission was done so in error, they are unwilling to restore my credit score from the 71 point reduction. This can have SERIOUS negative impacts not only with financial future but also have a negative effect on my career as any collections can have an adverse effect on my employment. 
I would like them to correct my score and restore the 71 points that it reduced it by.
I had always been able to make my mortgage payments and pay my other bills on time until I lost my job and invested in a business that failed a few years ago. Both of these events caused me tremendous finance loss and I fell behind on my mortgage. My mortgage loan was recently transferred from XXXX to Caliber Home Loans. I recently found out that I apparently was offered two loan modifications by XXXX. This is news to me, as I would have happily agreed to them had I known about the offers. Unfortunately, XXXX never sent me the offers or contacted me and, thus I was unaware that there were options to correct my deficiency. I have overcome my financial difficulties and I am currently in a very good position financially and will be for the foreseeable future. When I became delinquent on my mortgage, I didnt know at the time that I could reach out to my mortgage servicer and receive mortgage assistance, as the thought never entered my mind and I was busy with other things in my life. After taking a look into this, it appears that they should have reached out to me or sent me documentation advising that I had options to get my loan caught up. If so, this would have been resolved a long time ago, but I never had a single point of contact or any other action that would have saved my home from going through foreclosure. I unfortunately was forced to protect my assets legally by filing for bankruptcy, but this is a temporary solution and I need Caliber to work with me so solve my delinquency.
I tried to get my free credit report online I had to answer questions about stuff that is in my file and only i should know the answer i could n't answer because the questions were about a mortgage loan and payment I 've never had a mortgage loan and payment it also asked me about a jewelry card I have a card but not from the choices
Reporting agency reflect XXXX XXXX..which was ordered by court to dismiss and remove off credit.
All XXXX credit bureas are reporting XXXX bankruptcies on my credit report. I never went through with these bankruptcies. They were both dismissed and I do not think it is fair that they are reported on my credit report. I attempted disputing the information several times but the bureas say, nothing has changed from my earlier dispute. I really would like these XXXX items removed from my credit report because they are items that never commenced to any legal proceedings or collection of debt. Please help me have them removed. Thank you.
For over two years Works and Lentz has sent letters to me stating that a lawyer would sue me if I did not pay a medical debt, On the phone Works and Lentz has repeatedly called and informed me that a lawyer has reviewed my account and will be coming after me.
Hello I would like to file a formal complaint against my loan servicer in regards to my mortgage. On several occasions over the past 3 years Ocwen has continuously ignored my complaints to prove or show cause that they have a legal right to seek any results based on my mortgage. I have sent several request for QWR 's, complaints, dispute of debts and validation of debt letters as well as TILA request. All of which have gone ignored as Ocwen can not prove the validity of the debt or there compliance in this matter. Ocwen has failed to meet any of the " QWR '' under 12 USC 2605 or " RESPA '' request for validation of debt under 15 USC 1692 of the " FDCPA '' 15 USC 1641. All of the above actions have been recorded in the last certified letter that was sent to Ocwen. in this letter it was clearly stated that my mortgage allowed me via contract right under Regulation X ( 24 C.F.R Part 3500 ) to request information from the Servicer. The Servicer ( Ocwen ) has never complied with any of my request and as the letter reads there have been several request over this time frame.
After obtaining my credit report I mailed a certified letter on XX/XX/XXXX to all 3 credit bureau 's. Also, after obtaining my report, I updated information that I found to be inaccurate and disputed a collection account. The collection account was from Diversified Consultants for the amount of {$220.00}, claiming the dates to be from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I sent a certified letter to Diversified Consultants asking them to verify and validate the debt that they have listed on my credit report. Validated debt shows an original contract with my signature on it. I also included in my dispute a hand written letter asking Diversified Consultants if they were legally able to attempt to collect the debt they claimed I owed. The reason I asked is because the address that was listed on my credit report was not listed on Florida 's Secretary of State website. As a consumer, I have rights and if Diversified Consultants can not validate this debt and if their business is inactive ; I want this debt deleted from my credit report ( all 3 bureaus ) or else I will pursue legal action.
I signed a car loan with Ally Financial XXXX 2015. My car notes are just way too high. It appears that they charge high interest rates to minorities. I just can not afford this car. I do n't know why or how they approved me for a {$670.00} car note. Its almost like they purposely want me to fail this loan agreement. The company is very " bully like '' with their collection practices.
I would like to file complaint against Wells Fargo bank, regarding my saving account. Account was closed without my knowledge and no explanation was ever given to me as to why suddenly my saving account was closed as well what happened to my savings/money! I opened saving account in 1998 with XXXX bank in XXXX, AZ that later became Wells Fargo bank. I had that saving account for more than 10 years and I put aside lots of money for emergency and different life events. Well account is gone/closed and money disappeared, Wells Fargo said in a letter mailed to me " due to the timeframe that has elapsed, we no longer have account statements ", also, bank stated " we can not locate a discrepancy for $ $ $ ". I truly believe that internal Wells Fargo employees stoled my saving account money by opening ghost account and transferring my money from saving account than simply closed the account.What an incredible lie from executive office of Wells Fargo bank. I am missing XXXX XXXX XXXX dollars from my saving account and bank got a nerve to tell me due to a timeframe they no longer can not locate account statements and a discrepancy for XXXX XXXX dollars! Pure lies and manipulation by the bank. Bottom line here is bank stoled my money and is hiding evidence as well selected individuals that work for the bank and their position. Pure internal FRAUD and SCAM. I am a pure VICTIM of FRAUD done by Wells Fargo employees!!!
I paid a payment to capital one credit card on XX/XX/XXXX in the amount of {$190.00} from my XXXX XXXX XXXX debit card. On XX/XX/XXXX the payment posted to capital one account. On XX/XX/XXXX it posted to my XXXX debit account. Then in XX/XX/XXXX I checked my capital one account and saw they did a payment adjustment for the {$190.00} on my account saying I owed it to them again. I contacted XXXX and they said it posted. Capital one said it didnt. OnXX/XX/XXXX I did a three way call with a XXXX rep and a capital one rep. They both opened claims in their investigation depts and gave me temporary credits because they both agree this was strange and the payment should have posted on capital ones end. On XX/XX/XXXX XXXX reversed the temporary credit saying the investigation found XXXX not at fault. XX/XX/XXXX Capital one closed their investigation saying they are not at fault. I reopened both claims Again on both companys and once again I was denied by both companies saying they are not at fault. I have sent capital one a letter from XXXX with their heading at the top of the page and a copy of my statement with my name and everything on it showing that payment posted. Capital One still cant find fault on their end and I dont know what else to do. I have provided proof that the payment posted. I need capital one to post the payment and leave it alone. Please help!
I leased furniture from XXXX XXXX in XXXX and returned it/had it picked up XX/XX/XXXX. After that the store closed but they never closed my account out. They actually have me in the SKIP TRACE system stating I never returned their furniture which means if I wanted to, I can't lease furniture. In XX/XX/XXXX I got in touch with the District Manager XXXX XXXX at XXXX Now and he said he didn't have record so I sent him the copy of the receipt from when they picked the furniture up. He then sent me a letter stating my account balance is {$0.00}. Since then they have not taken it off my XXXX  and TransUnion credit reports and have not taken me out of the skip trace system. I keep reaching out to XXXX and not getting a response from him or anyone else at the company. I'm trying to get a mortgage and this it making it hard because it's hurting my credit.
I am attaching a letter that I sent to the credit bureaus back in XX/XX/XXXX. I had asked them to investigate and correct errors that appeared on my credit report. They have not responded yet. I've also sent follow-up letters that have also been ignored. They were supposed to respond in 30 days, and its been nearly 4 months now.
I disputed this creditors reporting previously and experian will not let me dispute it again and i have changed the reasons.This creditor was included in my bankruptcy of XX/XX/XXXX but is using a filing date of XX/XX/XXXX and showing a co in XX/XX/XXXX.This is a violation of federal law and violates my discharge and automatic stay and confirmation rights.Therefore this is an incorrect entry and violates the facta and fcra. A co means they charged it off but they filed for payment in the bankruptcy so can not be a co either way.Filing date and discharge date are reported on this report so how did experian verify this creditors reporting for my dispute and not referance their own report.So their investigation constitutes fraud and this creditor committed fraud because they were served by the bankruptcy court of the correct dates.So i ask the cfpb why and how can these entities continue to break the law without consequnces.
I have a credit card with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
I recently successfully completed a chapter XXXX bankruptcy plan. During my plan, my mortgage company was sold from XXXX XXXX M & T. Since my loan was purchased by M & T, I have had XXXX problem after another. While my bankruptcy was still active, I did n't receive anything other than what was basically a blank statement. Although I continued to make my mortgage payments to them directly, they never reflected my payment, balance, interest or escrow information on my monthly statements. Once my bankruptcy was completed, they dropped off an envelope on my doorstep and the only information on it was a handwritten name of M & T and a phone number. This was my first notice that there was a problem with my mortgage account. It took me two weeks to get a hold of them. When I talked to the asset manager I was told that she did n't see any payments missed on my account, it was probably a clerical error and she would have to request a complete payment history which would take 2 weeks. During this time, I applied to refinance my home. During the underwriting process, my loan was put on hold because M & T reported to the prospective loan company that I was XXXX payments behind. Again, it took me a week to reach someone at M & T. I was told they received the payment history and that I had n't missed any payments with them. Around XXXX, they advised they would have to send the dispute to the escalation department which would take an additional 2 weeks. Within a few days I received a letter from M & T stating that I would have a resolution on XXXX XXXX. On XXXX XXXX I called and they still had no resolution for me. I was told this day after day for several days until I requested it to be escalated to a supervisor. I was then given a firm resolution date of XXXX XXXX. It is now XXXX XXXX and I still do not yet have a resolution. It has been 3 months now since I have been trying to figure this out. I have received XXXX more " doorstep '' notices since the first XXXX with no actual information on them and no information from M & T stating why the status of my account is showing that we are behind. This has ruined my opportunity to refinance my home. I feel that it is a business tactic to either foreclose on my property or keep me from refinancing. It has been very, very difficult to get a hold of them and/or to wait for a return call which rarely comes. It has been more than a reasonable amount of time for them to complete their investigation and explain to me their position on the status of my loan.
I have several hard inquires that I did not authorize showing on my credit report. I have sent letters to Equifax regarding this issue and called them on  XXXX   XXXX ,   XXXX   and spoke with  XXXX  agent id #  XXXX . I advised her that the hard inquires listed ( see below ) was not authorized by me and I have made several attempts to have them removed. There is no signed paperwork or documents proving that I submitted applications with any of the company 's listed below. Per FCRA the credit bureau must report accurate information and investigate when the consumer request and investigation. None of this was done and Equifax is in violation of the FCRA due to this issue. Please assist with removing the unauthorized inquires below ....       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   XXXX   XXXX
I received a charge to my checking account in the amount of {$340.00} on XXXX/XXXX/15. The charge is from XXXX and is under the name XXXX XXXX. I noticed the charge on XXXX/XXXX/15 and immediately called to file a dispute. I received the paperwork to sign and returned it on XXXX/XXXX/15. The paperwork I signed was an affidavit that it was not my charge. I immediately placed the signed affidavit back in the mail in the postage paid envelope provided. I called on XXXX/XXXX/15 to find out when I would receive my provisional credit and I was told after 10 business days of the complaint. When talking with the customer service representative, we both agreed the credit would be posted to my account on XXXX/XXXX/15. She told me it would be later in the day. So, on XXXX/XXXX/15 at XXXX. I contacted Associated Bank to find out why I had not received the provisional credit. At that time I was told my signed paperwork was not received. I was also told the dispute area was closed so they would have to call me on Monday. And that I would not get provisional credit until 10 days AFTER the signed paperwork was received. They said they would re-mail me the documents for me to sign and it would be an additional 10 days AFTER they receive those documents that I would receive provisional credit! 
It looks like the charge to my account is an ACH transaction that obviously was taken from the wrong account. Maybe {$350.00} is not a lot of money to them, but I need the {$350.00} that was incorrectly taken from my account to pay bills. The bank refuses to give me credit to the money that is mine.
This will reference prior cases XXXX ; XXXX ; and XXXX. 

I just received notice that AMEX is charging late fees of {$81000.00} while I was granted a stay by AMEX on XX/XX/XXXX while speaking to XXXX XXXX XXXX title team leader who granted a STAY for payment and now I am being hit with LAte PAyment fees. I have been defrauded by XXXX XXXX   while AMEX knows this that the monies were removed from my account after third party verification. The amount that is now owed AMEX went from XXXX to XXXX. This is not right. In addition it will be shown that XXXX XXXX defrauded me as per a third party verification that has caused severe damages. I am lost for words what these banking institutions are doing ... Please remove these late payment fees and get XXXX To live up to their word in making XXXX payment plus damages to me ASAP Just received statement from AMEX XX/XX/XXXX 60 day late Payment fee {$8000.00}
I have formally disputed an account Citibank N.A. says I owe. The formal Dispute was never communicated or recorded as disputed on my credit report within 30 days as directed by the FCRA. I sent formal letter of dispute in XX/XX/2016. Citibank said account verified and sent an account statement. Credit report in XX/XX/XXXX still showed no dispute had been communicated to all XXXX CRAs. I informed them that the account was in error. They continued to report negatively to Credit Reporting agencies. I have since received a letter demanding payment from another company called XXXX A collection company. Even though the account has been disputed multiple times, and they have been told this account is not mine, they continued to report negatively and sold the debt as a factual account to XXXX. I have never had a Citi Costco Visa, nor have I ever applied for one. The only card I processed associated with Costco was an XXXX which was closed and paid as agreed.
XXXX security practices led to my personal identifying information being leaked, putting me at risk for identity theft.
Credit Management is attempting to collect a debt I do n't owe to them. I never established a contract with this company at all, furthermore they are in direct violation of the FCRA Law, by placing negative tradeline to all XXXX of credit reports which is a complete slander to my name.
On XXXX XXXX, 2017 I submitted a complaint to GENERAL MOTORS FINANCIAL COMPANY, INC. with the CFPB complaint # XXXX. And they replied with a Lazy Generic response letter, that I needed to send them documentation of the account I have with them.. My complaint was not about any account I have with GENERAL MOTORS FINANCIAL COMPANY, But I was a Victim of identity theft. The inquiry, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Dear XXXX. We have wrote three times to these people. All we ask is a accounting of what was purchased as we had payed Jc Penney Off.Then two years later they say we owe XXXX XXXX I have requested an itemized account. They will not supply XXXX. We do not owe a dime. Sincerely XXXX