WillisBack/dataset-financial-user-claim huggingface dataset:
Transunio n Consumer Relations     XXXX   XXXX   XXXX       XXXX , PA  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded  and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under   Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of th  e verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.     Name of Account : Account Number Provide Physical Proof of Verification :  XXXX   XXXX  Unverified Account-No Contract   XXXX   XXXX    XXXX  Unverified Account
My mortgage company, XXXX XXXX - now sold to Ocwen mortgage, has been trying to steal our house from us since 2008 through a modification. They did not apply payments for over 6 months, reported us as late, destroyed us financially & basically made our lives XXXX for the last 8 years. Currently the attorneys for the mortgage company are using lies to continue to try to steal our home. My full complaint is lengthy & detailed and will be attached.
From XX/XX/XXXX - XX/XX/XXXX I paid XXXX approximately {$27000.00} - This amount includes 12 months of rent and the small utilities charged by XXXX. 

XXXX is claiming that I owe them approximately {$5800.00} for unpaid rent and utilities. 

1 ) I paid my utilities to XXXX, XXXX and XXXX XXXX, previously. I asked XXXX to produce a record of the amount I supposedly owed them for for utilities and they were never able to do so. 

2 ) Meanwhile, these supposed utility charges were piling up and XXXX continued to evict me twice with an unlawful detainer. I tried to resolve the UD with the property manager, XXXX XXXX, and he agreed that I shouldn't be evicted, but a second eviction was started. After the second eviction and no response from the property manager  I decided that it was best for me to leave the apartment, so I no longer had to deal with this mishap. 

I lived at XXXX for 12 months and paid my rent on time every month. XXXX was never able to produce a record of what I supposedly owed for utilities and they tried to evict me twice. I have no idea what I owe them, if anything and instead of resolving this with me XXXX decided to go the collection route.
I opened a Home Depot Credit Card account on XXXX XXXX, 2015 to purchase an appliance ( Refrigerator ) at a Home Depot Store in XXXX XXXX. The appliance was schedule to deliver on XXXX XXXX, 2015. When Delivery Company ( XXXX XXXX ) personnel arrived to make the delivery, they ( XXXX XXXX ) say that the refrigerator was n't going to fit through the door and that they were not going to be responsible if the appliance gets damage in the process. Therefore I refused the item and call Home Depot to report that I refused the Item. I even went to the site Store the same day to report that I refused the Item. Weeks later I received the bill for the item, I call home depot once again to reiterate that I refused the item and they responded to me saying that they have proof of delivery ( POD ) with a signature of person name XXXX, I clearly told them that the signature it was not mine or anyone in my home. No proper investigation was conducted by the Home Depot store nor the credit card company, and now they are billing me for something that I never received. I reached out to both Home Depot Corp and City Bank/Home Depot Credit Card to ask for help, both told me that there was nothing they could do.
American Express has been letting a ring of thieves charge my old card number which expired years ago. They have submitted thousands of charges that appear as non-US XXXX locations on my bill, that appear to be either from XXXX, the XXXX, XXXX XXXX, etc. I have spent 50+ hours since XX/XX/XXXX on the phone with Amex Customer Service and Amex Fraud Dept . They can not get the amount of the credits right. They credited me {$770.00} for the XX/XX/XXXX-XX/XX/XXXX statement, but the fraudulent charges are more than {$2100.00} on my bill. I need your organization to make them stop the insanity of this and do a full audit on all of the fraudulent charges, and give me the full amount of credits that I deserve.
I had a personal automobile loan with Wells Fargo Bank. I bought it used and as the car was now 9 years old, I decided to trade the vehicle in. I found a car I wanted at XXXX in XXXX XXXX, NJ. I traded the vehicle in on XXXX XXXX, 2015. I told the car dealer I had a payment due with Wells Fargo Bank but they told me not to make the payment as they already had the payoff and I would alter the paperwork if I made a payment. On or about XXXX XXXX I was called by Wells Fargo and they wanted to know why I had not made the XXXX payment on my loan. I told the individual that the vehicle was traded in on XXXX XXXX and gave her the name and telephone of the general manager, XXXX and sales man, XXXX, I dealt with at XXXX XXXX. Also, the sales man said they had called Wells Fargo to get a payoff when I signed my paperwork and that payment was in with the payoff. She said she would look into this but if they did n't receive a payment they were going to report me as a delinquent account. About 5 or 7 days later, I was again called by Wells Fargo about the car loan. I again told them the vehicle was traded in and additionally, the dealer already sold the vehicle I traded in. I asked them if they contacted the dealer and I was told it was n't their problem. I called the dealer and told them what was happening. They informed me that Wells Fargo never called them to verify my information as they said but they did have the payoff and it was already sent. I received a letter from Wells Fargo stating that the loan was paid off on XXXX XXXX. However during this time, they reported my account to the various credit bureaus as being 30 to 60 days delinquent.Naturally, they have now destroyed my credit score as it dropped XXXX points due to this reporting. The final insult was that I only had 4 months on this loan and never had a delinquent payment. Also, I had being making extra payments of {$15.00} to {$20.00} per month to pay the loan off ahead of time. I can upload and send my agreement of sale dated XXXX XXXX, 2015 if needed at a later time.
I had a financial aid back in 2013 which I thought was financial aid. I have this company called Navient saying I owe XXXX for a loan that was supposed to be financial aid. I have told them I can not repay because I do n't have a living wage so they put me on a forbarance plan so I have 2 months where I dont have to pay but the interest keeps growing! ~~ I feel I am a victim of a scam!!!! I found out on the news that this company has a lawsuit against them!!!! Please can you help me so I am not another victim!!!!
I have a few things corrected on my Credit score. Correct Name XXXX XXXX XXXX XXXX not XXXX XXXX and never lived at this address XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Also remove all not authorized promotional inqueries that are affecting my score from XXXX XXXX, XXXX, XXXX, XXXX etc. 
Also there are a few closed accounts that are more than XXXX years that still show on my report, XXXX, XXXX XXXX and others. 
XXXX CC still shows on my report which should be removed since court determined I was not responsible for the card. 
Another concern is that my score showed a decrease in number. Im concerned why has XXXX lowered my score.
XXXX XXXX XXXX is soliciting mortgage loans when she is not authorized to represent anyone. She is on XXXX stating delivering gifts to realtors, soliciting for mortgage loans and talking about Envoy Mortgage. She is also on XXXX soliciting business and even has a XXXX XXXX - Envoy Mortgage page.
I have been attempting to obtain a home equity loan modification from Citibank since XX/XX/XXXX because on XXXX/XXXX/XXXX the 10 year note matures and instead of being interest only it becomes interest and principal. I was assigned an agent within Citibank who sent me forms to fill out which I did to begin process. I filled out forms, uploaded them to secure email host.XXXX. and began the process of obtaining a loan modification. Since XXXX/XXXX/XXXX Citibank has shuffled me to numerous agents assigned to my case. In each instance after fulfilling my obligations to provide financial docs, permissions to obtain tax transcripts for tax filings of mine I have been " shuffled '' agent to agent ( approx. XXXX agents ). The agents have not followed through with communicating with and to me regarding status of my loan modification. I have been provided with new agents to deal with my case and a pattern of delay on Citibank 's part has been established and memorialized in notes I have written for each phone call to Citibank. Telephone numbers have been provided to me by agents ( via emails ) which when called connected me to wrong departments within Citibank, agents assigned to me " were not in the office '', " were not longer within home equity department, or simply did not respond to my communications after 100s of hours spent by me generating financial docs and providing them requested documentation either sent to me to fill out or required I provide them in order to obtain a loan modification in a timely fashion. Now I am about 3 months and 2 weeks from the time in which my loan goes from interest only to interest and principal, which will create a condition in which I will no longer be able to make payments and stay in my home. YESTERDAY I was informed by a supervisor at Citibank that Citibank WILL NOT begin a loan modification with me until I am late ( or/and delinquent ) on my payments on this loan, which as of this day I am still current on. In other words, I have to give up protecting my credit score and sacrifice my credit at XXXX years old in order for Citibank to consider performing a loan modification after consistently paying what I agreed to pay them monthly since XXXX XXXX.
My mortgage was sold from  XXXX  to Carrington, they are adding a fee of {$560.00} to my payment, I contacted  Carrington  who said this fee was moved over from  XXXX , I contacted  XXXX  who said this was a mistake and they removed it which I have communicated with Carrington. Carrington is still asking me to pay this fee and would not contact  XXXX  to confirm that this was a mistake from their said and that it has been corrected.  XXXX  will not give me a letter verifying this mistake correction. Now I am stuck between these 2 companies to pay {$560.00} that I do not owe. My mortgage has always been on automatic payment since day 1. Thank you
On XX/XX/2017 XXXX, someone did a wire transfer from my Bank of America Checking Account to an account in XXXX , XXXX for {$930.00}. I checked my bank account around noon on that day and called my bank immediately and reported it. I was told that it would take up to 10 days to investigate and that they could not provide me a credit for the money taken.
I received through email or a mailing, how to receive overnight {$800.00} which I am pre approved for, so I called and spoke with a man, recalling the conversation nothing was mentioned about the huge payback amount, certainly not this must money he was fast talking and confusing, however strapped for cash I agreed, now For and quickie loan over the phone, which started 1st deposit into my checking account was XX/XX/XXXX, {$800.00} REPAYMENT 1st payment, electronic withdrawal, XX/XX/XXXX, {$300.00} 2nd payment electronic withdrawal, XX/XX/XXXX, {$400.00} 3rd payment electronic withdrawal, XX/XX/XXXX {$400.00} 4th payment electronic withdrawal XX/XX/XXXX {$400.00} which I have now repaid {$1900.00} and have 8 more scheduled payments which means I will have repaid {$3200.00} for the original amount of {$800.00}.

can this be legal??
Ive been a Care Credit/XXXX XXXX cardholder for 4 years. During all of this time, my Credit Limit always remained the same. Initially, when requested they would never increase my Limit nor change it. Not even for emergencies or while having a high credit score. 

Now, that I finally received my dispute credit via CFPB & am satisfied with that resolution. There 's a consequence ... due to my CFPB request they seem to have decided to decrease my credit by A XXXX dollars. 

Its not fair. This sudden change does nothing for them. I have a perfect record with them, which is something they should be more concern with. I even increased my monthly payments amounts and owe very little at this point. In conclusion, this change only hurts me ( their customer ) by affecting my credit. The lower the CL is for an account, the higher my credit use becomes. I do n't plan on using the {$2800.00} but I just want it higher to benefit my credit score. If it was never changed in 4 years it should not have been changed now following my dispute resolution. 

I did reach out to XXXX XXXX requesting them to leave my Credit Limit as it was but they declined this. I waited over 1 month trying to work this out with them. I was told Corporate would be contacted twice and they never responded. Then, I reached out again and waited another 10 days for a decline letter via mail.
I HAVE ASKED XXXX ACCT # XXXX TO HAVE ME REMOVE OFF THE ACCT AND CREDIT REPORT : XXXX XXXX SS # XXXX XX/XX/XXXX WHAT IS THE PROBLEM?
I have continued to submit XXXX checks each month to Navient ( XXXX for my federal loan, XXXX for my private loan ), just as I have done for the past 15 years. Starting approximately four months ago, Navient has sent me a form letter informing me that they have taken it upon themselves to reallocate a portion of my payment from my federal loan to my private loan without my consent and I pay more than the minimum. The interest rate on my federal loan is higher than my private loan, so it is obvious why Navient keeps doing this. I have written them letters and called every single month. Each month they tell me they do n't know how it happened and insist it is just a clerical error -- but yet it keeps happening no matter how many phone calls or letter I send. I have had it. I have honored my end of the contract -- Navient is a simply negligent and/or dishonest loan servicer.
The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX  companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.
I am receiving a Debt collection notice, when my employer was suppose to cover my medical visit under workers compensation. They have yet to pay it and I keep getting harassed about it, when I have explained to the company multiple times it was under workers compensation and they said they would contact them to have it taken care of. The business is XXXX XXXX in XXXX, Pennsylvania.
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete 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, 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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX,
I have been fighting with Transunion for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
Classification of multiple names is ridiculous. I was married. I have since divorced and no longer use his name. He is also deceased as of last year.
LexisNexis has sent a " canned response '' and has failed to provided the requested source of their " verification '' ... Case # XXXX This bankruptcy is inaccurate ...
Bank of America closed my credit card account on XX/XX/2018 for return payment. I did setup a payment from my external bank checking account to my BOA credit not knowing my checking bank was going to deduct huge amount from my checking which caused the return payment. I have been struggling with my finances since I started my trucking business in XX/XX/2018. It took me almost 90 days to get my first business from shippers as most required my trucking authority to be at least 90 days before they can do business with me. I called Bank of America to resolve the issue but didn't het no help.
Last week, ( XXXX 2016 ) in applying for a Reverse Mortgage through AAG ( American Advisors Group, NMLS # XXXX ) I was instructed to submit my credit card information before an application would be sent to me in order to apply for a reverse mortgage. The credit card, I was told was needed for the cost of the appraisal fee which was not even scheduled or needed since the application was not even prepared and sent to me for review and approval. AAG said this is a policy for all Reverse Mortgage loans, no exceptions! 

AAG indicated that I must submit credit card information or no application would be prepared and sent to review and sign. The Reverse Mortgage Professional from AAG in asking for credit card information before receiving and reviewing their terms and conditions appears improper and may be a violation of prudent lending practices. I did not submit my credit card information and, therefore, no application was ever sent! 

I hope this compliant is not a waste of time to report this practice from AAG, supposedly the largest Reverse Mortgage lender in the nation.
I have been trying to responsibly manage my situation with Navient, yet every time I call them and I speak with someone they ( the agent ) end up hanging up on me. Today I was being asked some questions that the agent told me could potentialy lower my monthly payments, but when I told them I was un-employed the last thing I heard was a grunt and they hung up. This is not the first time this has happened. On a seperate occasion last week I told them I was not capable of making large monthly payments, and when I was asked how much I could pay, I responded to the agent and he told me he would return my call. I never received a call from Navient in regards to that conversation. Now they are telling me that a payment I had agreed to make with them did not go through. I am trying very hard to be responsible given my situation with un-employment, while also trying to avoid any kind of delinquency but Navient is beginning to demonstrate some rather sketchy behavior. I feel helpless in this situation because I am trying to call, and I am trying to reach a solution, but I am recurrently being hung up on, and when I try to call back no one answers.
Wells Fargo ( herein WF ) owes me at least {$500.00}, and the measly {$25.00} check they're sending me within 10 days will NOT be cashed. 

As in my previous complaint ( # XXXX ), WF promised to pay me {$200.00} if I left my bank, became a WF customer, and used my ATM card at least 10x a month for 60 days. Imagine my angst when I go to pick up my {$200.00} and they come up with " you should have brought us a coupon code. '' This bank has caused me at least {$800.00} in fees, I had to get a loan because I was losing so much money because WF is crooked - they gave me an account that wouldn't allow me to spend my own money - I was only able to spend {$500.00} a day. What XXXX XXXX made that up? Did they not think of rent? Car note? Life?????. 

And what makes it even worse? What XXXX me off even more? The letter attached to the CFPB response by WF - they said they looked over my account and saw that I had incurred international ATM fees and that's where my money went - WHAT??!?!?! I live in Texas, and have nothing to do with any type of international travel. So that's ANOTHER lie! WF isn't aware of how much money I had to spend because they haven't bothered to ASK me! 

I will continue filing a complaint against this crooked bank until they give me what they know they're supposed to give me.