WillisBack/dataset-financial-user-claim huggingface dataset:
Grant Mercantile in XXXX Ca received a medical account on my behalf. Correspondence was sent by original biller and Grant Mercantile to an outdated address. They leave no voice messages as to who they are and call and hang up after one ring. Upon seeing the account on my credit report I contacted Grant Mercantile and attempted to resolve the issue. They stated they had added 10 % interest and backdated it to the original date of the bill. No such fees or penalties are outlined in my contract with the medical facility and therefore should not be added. I wanted to pay the account in full for the principal but the company refused to remove the additional fees they imposed with no contractual agreement to pay such fees.
I am currently in the process of trying to repair my credit and find I am unable to obtain my Equifax credit report. There have been major changes to my file, according to credit monitoring services I have, and Equifax is denying my right to see the changes. I have tried on 3 occasions to order my credit report online and get a message saying I need to order through the mail and produce several forms of ID. This is unacceptable. The changes are derogatory and urgent in nature and I do not have time to go through these ridiculous procedures.
On  XXXX   XXXX   2017  i contacted  XXXX   XXXX   XXXX  about my Equi fax Credit file reporting the same account twice. One reports as a charge off and one reports as an open credit card balance. The information reporting is incorrect. I have disputed this and the company keeps verifying incorrect information. I have asked for this incorrect information to be deleted from my credit file only for inaccurate information to remain on my credit profile.
XXXX XXXX Deed in Lieu documents were signed and notarized. The lender sold the loan shortly after to the current lender. The documents were misplaced in the process of transfer. The current company communicated to me on XXXX XXXX, XXXX, that the documents were being recorded. Today, the company tells me they need an updated appraisal.
I am filing this complaint against TransUnion. I have contact them several time by letter and via phone conversation. I also, sent a copy of a police report regarding the issue. I recently viewed a copy of my credit report and noticed that all of the inquires did n't belong to me and I did not authorize any of the creditors to pull my credit. I am requesting that they be removed from my report.
Please remove these accounts which were closed and fully paid but still being reported as late payments on my credit report.. I contacted the credit bureaus hoping they would be able to help me fix this but they did not..CFPB please step up XXXX XXXX CR XXXX, XXXX XXXX
I obtained my credit report and notice that their was multiple inquiries I did not authorize. I then proceeded to contact the company who ran my report and ask them to delete the inquiries and I was advised to contact the Credit Bureau so they can dispute the inquiries and take them off. I sent out a multiple removal inquiry letter to all   3 b u reau 's and received notice on XX/XX/XXXX  that they can not dispute the information for me until I contact the company who ran my report to delete them. Which is why I sent out the letter to them because I had already contacted the companies with no success. These inquiries have no active account or contract. Below are the bureau 's i attempted to dispute these inquiries that were not authorized along with the company name and date.  <P/>  XXXX   XXXX   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   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX / XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/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   XX/XX/XXXX   XXXX   XXXX  XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX /  XXXX     XX/XX/XXXX   XXXX /  XXXX    XX/XX/XXXX   EXPERIAN   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX  /  XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX /  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   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX / XXXX   XX/XX/XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  AND  XX/XX/XXXX   XXXX   XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XX/XX/XXXX , XX/XX/XXXX  AND  XX/XX/XXXX    XXXX   XXXX     XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX , AND  XX/XX/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   XXXX    XX/XX/XXXX   XXXX   XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX    XXXX   XXXX   XX/XX/XXXX   XX/XX/XXXX , AND  XX/XX/XXXX    XXXX     XXXX    XX/XX/XXXX , AND  XX/XX/XXXX  XXXX / XXXX   XX/XX/XXXX  XX/XX/XXXX  AND  XX/XX/XXXX   XXXX /  XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX
I have paid off the student loans in 2015 and they still show as open accounts and past due, the company said they would take them off my credit report. Also I never lived at an apartment on XXXX I have no idea why that address is on there. Please look into these for me and let me know what comes of it. Thank you, XXXX XXXX. XXXXXXXXXXXX
The servicer of my Perkins Loan changed to XXXX XXXX on XX/XX/XXXX. The loan was in deferment because I am a full-time XXXX student, and after it was transferred, I repeatedly had issues with XXXX XXXX recognizing my full time student status. I sent them my enrollment status in XX/XX/XXXX and was told the loan was in deferment. However, in XX/XX/XXXX, I discovered that the loan was not in deferment and I was going to start being charged monthly payments. Not only did XXXX XXXX not contact me about changes to my account or subsequent monthly charges, but failed to provide any documentation explaining the status of my account with or a breakdown of charges and fees. I contacted XXXX XXXX via phone and email during XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, my deferment status was finally accepted and retroactively started on XX/XX/XXXX. The charges posted to my account were removed expect for interest and late fees that accumulated during my dispute about the status of my loan during XX/XX/XXXX and XX/XX/XXXX.  Via email and telephone, XXXX XXXX representatives said that charges posted to my account would be removed including principal charges, interest, and fees. As of XX/XX/XXXX, my account still shows fees and interest accrued since my loan has been in deferment. I have called and emailed XXXX XXXX over 5 times between XX/XX/XXXX and XX/XX/XXXX, and been told the problem would be fixed, but the charges have not been removed.
I have two accounts with American Express. Both of these accounts are in a debt consolidation. I have been advised by my bank that American Express has debited my account for the past month of XX/XX/2018 in the amount more than {$500.00} on numerous days. 
I called American express, I did not authorize these charges. American Express is " looking into the matter. '' I called my bank and they put a stop payment on the latest on for {$200.00}. The rest is being investigated for fraud. 
I need American Express to be made to account for their underhanded way of conducting business. 
Thank You
On XX/XX/2017 our tax refund was deposited in to my husbands account in the amount of XXXX of which XXXX was then taken by XXXX and applied to an account they state is in default. We were told many times they could do this without notification, when we asked to speak about this and get our money back they have denied supervisors and managers and we were transferred or hung up on. They sent us a letter dated XX/XX/XXXX which we received on the XX/XX/XXXX or XXXX which was 1-2 days before they offset our account allowing us to settle but they did not give us time to call in to settle now we are trying to work with them and they states that they are denying to speak with its. There was no letter of default or no notification of a court hearing so we can contest the judgement. However they states that they can take any amount deposited into our account without notice and without obtaining judgement stating it is their right to do so. We have spoken with the credit card department and it is showing that are card is charged off not in default. We have not had any chance to settle with XXXX or go to court to vacat the judgement and now we are not able to pay our rent.
XX/XX/XXXX I TOOK OUT AN INSTALLMENT LOAN FROM XXXX XXXX FOR {$3200.00}. 
I WAS INJURED AT WORK XX/XX/XXXX AND ENTERED INTO A REPAYMENT PLAN IMMEDIATELY W/GREENPATH FOR LOWER PAYMENTS. ON XX/XX/XXXX I OWED XXXX XXXX XXXX {$1600.00}. XXXX XXXX XXXX ACCEPTED THE AGREEMENT WITH XXXX BUT SINCE THEN I HAVE GOTTEN MORE THAN 7 DIFFERENT BALANCES OF WHAT I OWE FROM BOTH PARTIES W/O THE BENEFITS OF ANY MONTHLY BALANCE STATEMENT.THAT REMAINS CONSISTENT. BEING FRUSTRATED WITH BOTH COMPANIES I DECIDED ON XXXX BREAK I ADDED UP HOW MUCH I PAID TO THEM SINCE MY INJURY AND REALIZED I OVER PAID XXXX XXXX XXXX YET THEY ARE STILL SAYING I OWE THE COMPANY MONEY. I CANT LIVE LIKE THIS ; I NEED TRANSPARENCY AND TO BE CLEAR ON HOW MUCH I OWE AND NOT CONSTANTLY CHANGING MY BALANCE. I HAVE SPOKEN WITH BOTH COMPANIES AND HAVE GOTTEN NO WHERE, XXXX REP. SAYS XXXX XXXX XXXX  HAVE EVERY RIGHT TO ADD WHAT EVER INTEREST THEY WANT INTO THE CONTRACT. THAT IS NOT WHAT THEY SAY IN THEIR CONTRACT THEY SAID THEY WOULD FOLLOW THE TRUTH IN LENDING ACT BUT THEY ARE CLEARLY NOT. THIS IS EATING AT ME I WILL NEVER FINISH PAYING THIS COMPANY.
I WAS TRYING TO BUY A NEW CAR AND THE CAR DEALER TOLD ME MY CREDIT SCORE was too low to get the best deal. It ended up costing me at least {$3800.00} more dollars! I HAVE ALWAYS HAD A HIGH CREDIT SCORE. XXXX AND XXXX HAVE RUNIED MY SCORE. THEY ARE OWNED BY THE SAME CO. THEY DO NOT ACT LIKE OTHER COMPANIES THAT YOU HAVE BEEN WITH FOR YEARS.THEY DELIBERTLY TRY TO UNDERMINE YOU. I AM XXXX YRS OLD AND HAVE SPENT XXXX XXXX YEARS BATTLING A CONDO I BOUGHT THAT DID NOT HAVE A WORKING XXXX. I HAVE NOT BEEN N MY HOME FOR OVER XXXX MO THIS TIME. THEY CALLED TOSAY I HAD NOT PAID A BILL. I SHOWED I DID AND WANTED TO PUT IT IN DISPUTE FOR I WAS LATE TO A MEETING AT MY HOME. THEY DID NOT. THEN THEY DID NOT SEND A BILL I REQUESTED ANOTHER ONE AND PAID ON MY COMPUTER SAYING IT WAS ONTIME. THEY MARKED IT THE NEXT DAY AND MADE ME LATE- SO XXXX 30 DAYS LATE THE OTHER 60 DAYS LATE. I WOULD NEVER USE THEIR CARDS EVER AGAIN BUT EVERYONE TELLS ME INCLUDING THE CAR COMPANY THEY DO THIOS TO EVERYONE. THEY NEED TO BE STOPPED. IF YOU LOOK AT MY SCORES WITH ALL THE OTHER COMPANIES THEY ARE ALL PAID IN FULL EVERYTIME. WHY WOULD I NOT PAY THEM? PLEASE GET THEM STOPPED. AND THEY ENDED UP OWING ME MONEY
XXXX XXXX. FAILED TO REMOVE CREDIT REPORTING TO CHEXSYSYTEMS,  XXXX XXXX AND FAILED TO ADHERE TO OUR BANKRUPTCY NOTICES.
Portfolio Recovery has added a charge off to my account that I do n't recognize. I have already tried to dispute this matter through all XXXX credit bureaus. However the credit bureaus has failed to send information back to me proving the account. The amount was for {$820.00} I have been a victim of Idenity theft. The credit bureaus are in violation of the fair credit reporting act because they have failed to remove this and prove that this does n't belong me
I 'm trying to purchase a new house and My XXXX credit reports reflect a loan from my prior marriage. The recorded Divorce Decree awards my previous spouse the residence and the financial responsibly of the house. I 've disputed the reports to XXXX and XXXX and the dispute was " resolved '' with my credit scores on those XXXX reports going up by XXXX and XXXX points. The XXXX dispute is still in progress. How do I get this loan off my report all together or what can I do to remedy this situation as best a possible?
PNC engaged in fraud and now they are trying to get me to pay XXXX. They already ruined my credit and now they still have this charge on my credit report. When several offers came for the house, they refused the offers and the house ended up in foreclosure and being sold for a fraction of what was offered by potential buyers. I also believe the terms of my loan for the house were more onerous and higher due to being an XXXX XXXX.
I recently filed for bankruptcy and asked to have my mortgage with XXXX America reaffirmed. Bank of America closed the account instead. 
When I called to ask why they said because they never received theirpaperwork back from the attorney. I contact the attorney, BofA neversent any paperwork. So I called back and requested they send thepaperwork. They assured me they would XXXX it. I waited a week, thepackage never came so I called again. This time they told me they showthe paperwork was requested, but they did n't show that it was sent. 2 weekshave passed and still nothing from BofA and now I am going to miss mydeadline to get this paperwork handled because BofA is doing NOTHING. 
Now I am going to have to request an extension from the court so thatmeans my bankruptcy is still in limbo and who knows if BofA is going todo what they are supposed to do. My attorney told me they are notoriousfor this behavior.
On the   XXXX   XXXX   XXXX   I reveived a call from an unknown number (  XXXX  ) which has since been discontinued.
The representative on the other end,   XXXX   XXXX   ( working for Premier Student Loan Center ), offered to help reduce my student loan debt by way of consolidation. This service he offered, according to him, requred an enrollment fee of {$220.00} to be made for 4 months on the  XXXX  of each month.
In order to move the consolidation request forward he required my personal information. I was n't able to submit the requested documents before the first payment ( they were submitted on   XXXX   XXXX   ) and I had been charged regardless.
On   XXXX   XXXX   I made attempts to resolve my complaints via phone (   XXXX   ) and email (  XXXX  ). However my efforts proved useless as  XXXX  said they moved my request forward and it is irreversible. I am required to pay the enrollment fees even though they do nothing to pay for my loans.
I also seek advice on how to move forward past this.
I have had a Barclays credit card for years, in addition I have XXXX delinquencies on my credit report. Barclays mails offers for 0 % interest on balance transfers ( for credit card ). I took up the offer and transfers {$2700.00}. dollars. On XXXX XXXX, I received a letter in the mail that my limit is being lowered because I had a XXXX fico score from XXXX ( XXXX ). According to XXXX XXXX is good credit and with XXXX delinquencies, I feel Barclays card is now hurting my score by lowering my credit limit, by a unjust means. 

They are using a ROBO style decision that will hurt XXXX 's of people applying for school loans, insurance or even jobs. I feel if you dig deeper, Barclays is looking to lower their credit exosphere because of the recent failed capital requirements. They are cutting and hurting highly qualified people like myself. I take great pride in my credit and I now with lower credit limits, they will cost me higher rates, higher insurances so they can show they have enough capital. This not fair, and personally working in financial credit risk for XXXX years, if you looked at their practice, a lot would be exposed.
Complaint I filed was never addressed in XX/XX/XXXX. It shows complaint still open.

I can't pay my student loans. My Health is bad.

I nearly XXXX XXXX XXXX in XX/XX/XXXX due to XXXX ( XXXX ) and the XXXX is slowly taking over my life. With the XXXX of my father in XX/XX/XXXX, I do not feel I have anyone to talk too, no one to provide me the advice that I feel I need to try and move forward with my life and more specifically my financial life. The following is a list of difficulties that I have been facing over the past 2 + years : Student Loans of {$600000.00} o Public Loans {$240000.00} o Private Loans {$360000.00} Home Loan of {$250000.00} o My home is now in foreclosure My spouse has been out of work for 2 + years My father was XXXX  by a XXXX - XX/XX/XXXX o He had No Life Insurance & No Medical Insurance My mom needs my help My mom is XXXX My mom is losing her house - XX/XX/XXXX I almost XXXX from XXXX ( XXXX ) XX/XX/XXXX I had a XXXX  XX/XX/XXXX I have XXXX XXXX of XXXX  Bankruptcy cant help with either private or public student loans I feel as though I have lost control of my financial future. I have lost control of my life. I really can use your help on the issue of student loans. I sure hope that you have a chance to read this note. I need you more than ever. I pray for your continued success.

Sincerely, XXXX XXXX
Being retired, I depend on interest I earn on balances I keep with online banks. I recently applied to open an online banking accounts with XXXX, a division of XXXX XXXX XXXX XXXX XXXX paying 2.25 % p.a. interest. 

XXXX advised be by email that I was turned down and mailed me a letter which I am attaching to this complaint. The Notice mentions that the Bank obtained a report from Transunion. My credit score having never been under 800 and currently hovering at XXXX, obtaining credit was never an issue. In this instance, I am not even establishing a lending relationship, but a deposit account. I have several other online bank accounts. I have no debts or mortgages. 

After obtaining my Transunion report online, and finding nothing damning on it ( quite the contarry, I spoke to Transunion who agreed with me ( well, someone at a call center in XXXX agreed with me ) and asked me to call XXXX. 

I spoke with XXXX and I was told there was an alarm in the report they received from Transunion. Since I can not see anything alarming in my Transunion report, and neither apparently can Transunion, I feel powerless. 

I appeal to CFPB to contact Transunion and XXXX to resolve what is a mystery to me. Thank you in advance. I am attaching documents in support of everything I have mentioned above. 

XXXX regards, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX
ON XX/XX/18 AT XXXX, I GOT A CALL FROM CREDIT PROTECTION ASSOCIATION . THEY LEFT A MESSAGE WITH THE MINI MIRANDA. I  WORK IN XXXX XXXX AND I KNOW FOR A FACT UNDER FDCPA REGULATIONS, THEY ARE NOT ALLOWED TO LEAVE MESSAGES. I AM NOT DISPUTING THE DEBT, I HAVE ALREADY PAID THE DEBT AND HAVE PROOF.
I have two accounts with XXXX XXXX XXXX XXXX I paid them both off in XX/XX/2018. Then used one after the payoff which now has a balance of {$2700.00} with {$2200.00} left to use, it has a {$5000.00} credit limit. My second account has a {$4000.00} credit limit with a XXXX balance. I have disputed this with Equifax twice. They sent me a completed result but it would not allow me to login in. Now they have damaged my credit severely by listing that my balance is {$8200.00} showing that I am 207 % over the credit limit and I was unable to apply for credit. This is beyond unacceptable.
I received a payday loan from speedy cash for {$2600.00}. I started paying monthly but realized the interest was out of hand. I got the loan consolidated and payed the outside lender. I signed a cease and dissist letter so speedy cash would stop contacting me. They continued to contact me and put a collections out for me although I payed the entire loan off through the outside lender. I contacted speedy cash and they informed me that the collections would n't go on my credit report and that was false. I would like that collection taken off of my credit report. The entire loan was paid off before they started contacting me through phone calls.
I still have a 90 day fraud alert on my credit report, where I expressly did not want XXXX nor did I request XXXX. I am submitting XXXX pieces of ID for verification and I an requesting the the 90 day fraud alert be removed ASAP. 

Additionally my report has XXXX number on it that are not mine, namely XXXX XXXX XXXX XXXX Residential XXXX XXXX XXXX XXXX Residential please have these removed as well.
XXXX XXXX XXXX, XXXX MUST CEASE AND DESIST COLLECTIONS ON CONSERVE ACCOUNT NO.XXXX XXXX XXXX XXXX AND XXXX XXXX LOAN NO.XXXX DEALING WITH THE ORIGINAL CREDITOR XXXX. ( SEE ATTACAHED ) THEY KEEP VIOLATING THE DODD-FRANK ACY, INDIANA 'S ATTORNEY DO N'T CALL RESGISTRY AND T.C.P.A.
The act of cramming is unlawful under section 201 ( b ) of the XXXX communications act. The commission rules say a fine of {>= $1,000,000} for any common carrier that knowingly commits the act of unjust and unproper charges in the provision of telecommunications service. XXXX XXXX XXXX XXXX will be reported to XXXX  and FCC for violation on intake form 208 if not corrected federal law state actions may be brought fourth in federal court of law, or to the fcc commission. Account number XXXX has been unlawfully continuously attempting to collect a debt that is not valid. I owed {$280.00} and was shot on XX/XX/XXXX during which time my phone was disconnected and then terminated, but still charged monthly fees when I had no access along with early termination fees. XXXX XXXX XXXX has collected unjust amounts of reconnection fees in the past and was warned they would be sued if the unlawful cramming continued. When I notified XXXX of credence   account was sent to sunrise credit in attempt to dodge my claims of deceptive business tactics. My phone was stolen during attempted robbery when I was shot and as such XXXX XXXX XXXX refused to send me a new device even tho I paid for insurance and tried filing claim with XXXX. The balance of was {$280.00} from XXXX that I owed after being almost killed in XXXX. My service was suspended and I couldnt use it during recovery but my bill jumped to {$610.00} in XXXX. After complaining in XXXX they terminated me and charged me {$1200.00} which is unjust, and unlawful after being a valid customer for 2 years. I only owed {$67.00} on my daughters mom XXXX and she has had her phone number for 10 years that XXXX XXXX XXXX now refuses to allow to be transferred. This has caused me to stop communications with my daughters mother extreme stress and duress on my life. I have sent letters to credence for disputes, and tried contacting the office of the president.