WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX, 2017 Bureau of Consumer Protection Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX, DC XXXX RE : FAILURE TO INVESTIGATE PROPERLY To Whom It May Concern : On XXXX XXXX, 2017, I filed an online dispute with XXXX  after reviewing my credit file only to find a number of inquiries that were bogus. XXXX clearly did not follow the law and properly investigate the inquiries because they completed the investigation in the same day ( please review the documents enclosed ). There are inquires I did not make, some that are more than 2 years old ( should be removed ) as well as duplicate bogus inquires. XXXX has not followed the stipulations of the law. Attached you will see a copy of my dispute information where dispute number XXXX was completed on XXXX XXXX, 2017 yet you can see in the attachment title ( disputes filed ) that, that was also the same day that I submitted the dispute. After viewing that item I request that you view the XXXX, there you will see duplicate inquiries from XXXX XXXX that ARE NOT MINE, Multiple XXXX XXXX Inquires within days, ARE NOT MINE. XXXX XXXX XXXX is 2 years old should have been removed, XXXX XXXX XXXX I have never granted them permission to access my credit file. XXXX XXXX XXXX is also not MINE, I have not given them permission to view or pull my credit file. Is it true may suffer damages because of XXXX lack of response and improper investigation. Please require them to remove this bogus, duplicate and old information. If you have any questions or need additional information, please contact me at the address noted below. Thank you. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
I was offered a modification and was going through XXXX Georgia at the same time and I needed XXXX Georgia to make decision and the mortgage company put me in foreclosure. They put me in foreclosure and sent me a modification package to complete and return to them for review at the same time. I am frustrated with this type of process ... Is this the protocal?
Equifax is reporting an account that does not belong to me on my credit file. XXXX XXXX XXXX XXXX # XXXX I disputed with them and they are stating that the company validated this debt. This is incorrect the debt does not belong to me. I have disputed this debt with XXXX and they XXXX deleted the debt because the COMPANY NEVER VERIFIED I. Equifax refuses to remove this debt. I 'm asking Equifax to either provide me and the CFPB with the proof that XXXX is validating this debt reporting or DELETE IT FROM MY FILE. this incorrect reporting is damaging to my credit file
I have a FHA loan with Freedom Mortgage and my mortgage insurance was scheduled to fall off on XX/XX/2017 I have called several different times to confirm this date. I 've been staying one month ahead on my payments so last month I called because I was wanting to make my XXXX payment, but the online site was still showing the mortgage insurance was still included on the payment. So I called a customer service agent with Freedom Mortgage who checked and verified the date of XX/XX/2017 and stated that was correct, and that the online site had just not updated yet since I was a month ahead, and told me my payment would go from {$420.00} to {$380.00} so if I wanted to I could go ahead and pay the {$380.00} and that it would probably be better to mail it than pay online so she mailed me out another statement and said it would't hurt to make a note on it that the mortgage insurance was due to fall off on XX/XX/2017 I was paying for XXXX so it was no longer due and that this was my new amount. Well I decided to just wait and let my payments catch up and it would update on it 's own, So I received my XXXX bill and it still does n't reflect the amount that is to fall off. So I call again on XX/XX/2017 and that agent tells me that I need to request for the mortgage insurance to remove in writing and mail or fax it to them. That really upset me, I told her I just spoke to an agent the previous month & what she had told me, so she said she would talk to her supervisor to see about having it expedited. when she returned to the phone she said her supervisor stated that the mortgage insurance payments ran a month behind so I would have to pay them for XXXX and it should be updated before my XXXX payment.I told her I did n't agree with that that a date was set of XX/XX/2017 and that should be the date they honor & that I would find someone to check into this matter for me to see if what they are saying is true or not.
Chase Bank permitted a scammer company to place {$12000.00} on my credit card account. I had no knowledge of the charge amount ; I did not authorize ANYONE TO USE THIS ACCOUNT NOR DID I GIVE ANYONE THE CARD NUMBER. I am the only authorized signer on this card!. This {$12000.00} was also put on my credit card AFTER I had closed all accounts at Chase Bank!! 
I have complained about this situation in the past. Chase Bank has now charged off this amount but that has decimated my credit score and has resulted in my not being able to secure a mortgage.
We 're requesting your assistance in resolving a matter of a mortgage account surrendered under Chapter XXXX Bankruptcy in XX/XX/XXXX and currently reported incorrectly as open to the credit bureaus by XXXX as an active account, paid late. At the time of the bankruptcy filing ( XX/XX/XXXX ) the account was under XXXX who was appropriately notified of the bankruptcy numerous times. In XX/XX/XXXX XXXX apparently transferred the account to XXXX and it remains unclear why Nationstar is not aware of the bankruptcy filing. 

We have attached the following documents in reference to this complaint : Nationstar Account Statement Bankruptcy Discharge Doc ( XX/XX/XXXX ) Bankruptcy XXXX ( Creditor # XXXX ) Letter from lawyer sent to XXXX ( XX/XX/XXXX ) advising that XXXX was surrendered in the bankruptcy XXXX credit report pages ( XXXX , Nationstar Mortgage ) We have tried calling Nationstar but have not been successful in reaching someone able to assist. As this is an urgent matter affecting our credit score, time is of the essence.
Western Union online money transfer : XXXX/XXXX/2016 - {$59.00} WESTERN UNION XXXX : CAPTURE ID : XXXX INDN : XXXX ID : XXXX WEB MTCN : XXXX Date available in receiver 's country : XXXX XXXX, 2016 Western Union took the money out of my XXXX XXXX XXXX account and held it for 7 days. Today is XXXX/XXXX/16 and they are still holding the funds without contacting me. I contacted them online and by email to request an immediate refund. They refuse to respond.
XXXX student loans They still have acount of all Three credit reporting companies Acount students loans XXXX student loan Or XXXX XXXX XXXX Or loans have been pay off
Hello, I filed a complaint with your organization XX/XX/XXXX complaint number XXXX about Transworld Systems Inc. they responded back on XX/XX/XXXX. If you will take a look at my complaint and their response you will see that again they are not addressing my issue. My issue is two bills one for the amount of {$430.00} and the other for the amount of {$590.00}. In their response to my complaint they sent a list of which they stated they have a bill for {$590.00} three times. They also stated that I could contact the hospitals in question, which I had before filing the previous complaint and which I did once I received their response. I took this information to the hospitals in question and again they could not locate these bills with the information provided. As I stated in my previous complaint I think there was only one bill that they have constantly duplicated. The bill for {$590.00} was on my credit report owed for the XXXX as well as XXXX. I now notice the bill for XXXX has been removed. I also have documents where the bills were added in XXXX and then removed. I contact Transworld sytems on XX/XX/XXXX XXXX @ XXXX and spoke with a representative who stated his name was XXXX . I explained to him why I was calling and he immediately switched me to a supervise who stated his name XXXX. Again I explained to XXXX why I was calling told him no one seems to have this bill except his company and could I get a copy of the bill so that I could get it handle. I've requested this from his company before filing my original complaint but never received it I also stated in my original complaint that receiving this information could probably bring this matter to a close. XXXX put me on hold and upon his return he wanted to discuss a bill he claim he had for {$620.00} which I have no knowledge of but I told him to send me a copy of that bill as well. He also stayed he had a bill {$590.00} from XXXX again, here we go another year. I stated fine send that as well. In closing he lead me to believe that he was only requesting a copy of the bill for {$620.00} which was quite irritating to me and a waste of his and my time since for some reason his company refuse to produce the requested copies. I have never gotten a bill or collection notice for either of these bill which I stated in my original complaint. I know I have other avenues available to me but I'm again hoping your organization can bring me closure. Again I thank you in advance.
I have an active account with XXXX & XXXX for my home address. On XXXX XXXX XXXX I received a collections notice from a Real Estate company indicating someone had used my SS # to open a lease and utility account at the XXXX XXXX Apartments in XXXX, CA. I filed a police report documenting that I did not open this account. I sent the requested dispute documents multiple times to XXXX & XXXX in an attempt to get this resolved. I have an Identity Restoration service through XXXX and XXXX XXXX and have a licensed investigator assisting me in resolving these issues. He has also sent the requested documents certified mail return receipt requested several times. XXXX XXXX XXXX continues to claim that they have not received the documents.
ive already fought this company for their false claims of amounts I owe. They continue to send me false amounts, they even sent me a check for XXXX that was uncashable and saying most of my debt has disappeared. I 'm confused and want them to stop harassing me
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I have disputed the accounts with the credit bureau XXXX  , to no avail..The account XXXX XXXX XXXX  XXXX XXXX is not mine. I asked for proof of my signature where I agreed to pay this account but the credit bureau couldn't provide any. This is very exhausting, CFPB please step up and remove the accounts
The company called me at my work place after asking them not to on XX/XX/XXXX.Once they finally stopped they called my fianc leaving her messages on both XX/XX/XXXX and XX/XX/XXXX which she has on her phone stating  the debt that I had with them, saying that they did n't want to stay until XXXX XXXX XXXX XXXX and I had to call them back before that time. They even said they were a debt collector on her voicemail. I have told them that I was facing financial difficulties and I am working to get payment to them as soon as I can. I feel at this point that I am being harassed by them.
ON COMPLAINT NUMBER XXXX XXXX XXXX XXXX DID NOT PROVIDE PROOF OF AN ALLEGED CLAIM. ACCORDING TO RESPA THE MORTGAGE COMPANY NEVER DISCLOSED TO ME THAT I WERE PARTY TO AN INVESTMENT CONTRACT.. IT CLEARLY SAYS ON THE LETTER ATTACHED FROM XXXX XXXX XXXX UNDER THE TRUTH IN LENDING ACT " THE AMOUNT OF CREDIT PROVIDED TO YOU OR OWN YOUR BEHALF WHICH MEANS I CREDATED THE DEBT. I CREATED THE DEBT 15 USC 1692 ( A ) ( 4 ) .THEY DID NOT SHOW THE FULL ACCOUNTING RECORDS ACCORDING TO ( GAAP ) THAT I ASKED FOR. THEY DID NOT PROVIDE ME WITH THOSE RECORDS BECAUSE THE COMPANY IS A FRAUD. XXXX XXXX XXXX WAS A THIRD PARTY TO THIS DEBT I CREATED.
The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with  XXXX   XXXX
In XX/XX/2013 I was involved in a XXXX XXXX XXXX that resulted in my needing to withdraw from school to handle both XXXX  and XXXX  XXXX. The XXXX XXXX representative I spoke with informed me that medical leaves of absence were covered and I would not face any payment responsibilities while I went through treatments. Within a month XXXX XXXX was calling both myself and my co-signer upwards of 30 times a day demanding immediate payment on my loans. When I explained that I was only temporarily withdrawn from school I was told that, under no circumstances, are medical leaves of absences covered and that payment was due immediately or I would face negative marks to my and my cosigner 's credit. I did not have the ability to pay or return to school so the negative marks were placed. I eventually was able to push for a deferment but was informed that I can only use 12 months for the entire duration of my loans. I was also informed that now my loans do not qualify for six months of no payments. Each time I now go onto any kind of school break ( ie winter or summer breaks ) I am immediately harassed with 30 phone calls a day demanding payments even though I am registered for the following semester and I was told that summer and winter breaks do not count towards not being in school. 

I have provided XXXX XXXX with both medical records and police reports of the XXXX XXXX and I have provided them with records of the people I have spoken with at their company. Managers with their company have informed me that lower level reps do not have the authority to " grant promises '' and therefore they do not have honour what was stated. Mine and my cosigner 's credit scores have suffered because of the less than scrupulous practices of XXXX XXXX. They have shamed me for being a victim of XXXX and made it clear that money is the only priority. Looking back I wish I had never opted to attending university.
XXXX  XXXX XXXX XXXX  is showing i have a balance and that the account is charge off bad debt. 

This account was paid off in full and was not a charge off. They even sent me the title after paying the account off.
As a verified PayPal member, I am trying to make a simple purchase of {$250.00} on eBay for a PayPal Digital Giftcard auction item. PayPal, yet again, will not allow me to make a purchase because, according to their telephone agent, a transaction was recently made on my account which used my connected bank account. A standard response of " we 're trying to make sure you 're account was n't hacked '' will not suffice.
Company received my information without my consent. My information was reported without my consent per HIPPA. It is against the law to release my information per HIPPA.
My account was stolen on or around this XX/XX/2018 -current I have been reaching out to XXXX  to get this matter resolved there were foreign tranactions on my account that have not been refunded back to me that I didn't authorize I faxed and mailed all the documentation XXXX asked me to return yet each time I am on the phone with a customer service agent they say they either have the fax /mail or don't have it one rep said they had the documents and they are being reviewed the other rep said they didn't have the documents each time I call there is a different answer
I mailed a Multiple Inquiry Removal Letter in XX/XX/2017 and XX/XX/2017 by certified mail and I also did a dispute information, in regards to XXXX hard inquiries, that was being reported on my credit report. They received the letters and the online dispute and they completed the request. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
i have multiple inquiries not unauthorized by myself XXXX XXXX on equifax and XXXX i placed a security monitor on all of my reports but still have numbers of new inquiries unknowingly i that are affecting my credit dramatically
XXXX XXXX I tried to transfer fnds from Coinbase vault to my personal vault and since then the transaction is waiting for approval. I have also been restricted from buying. I asked for support help on XXXX, XXXX, and the coinbase site and only got a XXXX reply from XXXX stating that they would look into it. I have sent XXXX messages to the support team and have had no reply for over 14 days. At this time I am still unable to access my account. Coinbase support is notoriuosly awful in response to thier customers is a fact I have discovered from trying to get help.
i was going to this private school called XXXX ( XXXX ) for XXXX program. while i was doing my XXXX the school was shutdown by the government. however the place i was doing the externship kicked me out because is shutdown. we supose to finish XXXX hours at XXXX to finish the school. I was almost there but somehow i was really disapointed when the school shutdown. So the weirds thing is this company that fasfa connected who paid my loan still asking me about the loan and keep adding some interest. i would like to get help for this because i didnt finish the school and i paid some of money and also i wasted my times. so i would like to get some help about this. thank you
I received a financial aid stipend on XX/XX/18. On XX/XX/18 my card was charged {$1600.00} from XXXX. I have never signed up for a XXXX account. On XX/XX/18, I opened up a dispute with Amex Serve. I sent in a police report, and a declaration of fraud form. On XX/XX/18, I received an email from Amex Serve saying they're denying the dispute and when I called, they're unable to give me a specific reason as to why the dispute was denied. They're just saying there was no error.
I am trying to clean up my credit report. I have one company XXXX XXXX that has 4 accounts on my credit report. I pay them every month but they continue to hit my credit report negatively every month. This week I have starting trying to pay the smaller amounts. I have asked them everyday this week to send me a letter of for one account stating that when I pay the small balance ( {$50.00} ) it would be deleted from my credit report. I have made phone to this company every day this week asking for this letter. I did receive a letter today but it had all three of my accounts on it and the total amount had to be paid within 24 hours. I am not able to pay all three accounts in 24 hours so this letter will be voided. I have never before had to beg someone to collect money from me. Please help me get this cleared up. I would really like to get three of my four account cleaned up. 
Thanks
This debt has been reported as paid by the original lender 12 years prior. XXXX XXXX has refused to remove it from my credit profile with XXXX
I am providing you with my former employe rs EIN num bers received from social security. I n  XX/XX/XXXX . I  worked for   XXXX   XXXX  . Fro m  XX/XX/XXXX - XX/XX/XXXX  I  was employed with   XXXX    XXXX . I was employed with  XXXX    XXXX    XXXX  from  XX/XX/XXXX - XX/XX/XXXX . Their EIN #  is  XXXX . I was employed with  XXXX   XXXX   XXXX   XXXX   XXXX  from   XX/XX/XXXX - XX/XX/XXXX .Their EIN #  is  XXXX . I 've sent  XXXX   XXXX   XXXX  a copy of my current drivers license. I just updated my address to reflect my current address. My new address is  XXXX   XXXX   XXXX   XXXX  Tennessee  XXXX . My late mother & father social security numbers are  XXXX  &  XXXX . I changed my name through probate court to  XXXX   XXXX   XXXX . My maiden name is  XXXX . My parents social security numbers are being used, even though they are deceased. Equifax is ignoring all of the information I submit. Even if I mail everything they request. I took a picture of my drivers license & sent it to you. I will submit copies of my parents death certificates & my marriage linsence.
XXXX has reported on my credit acceptance corp. account that it is reposession even though it has been settled in full and no lien on the car and also have reported as of XX/XX/2018 as a credit card when it was a car loan ... ..also i have a issue with XXXX XXXX for not removing my XXXX XXXX account as late when the account is closed and is past the statue of limitations but XXXX has also reported the XXXX XXXX XXXX XXXX account as a credit card when its a car loan as of XX/XX/2018 i have personally disputed XXXX XXXX XXXX XXXX and credit acceptance with XXXX for the last 2 years and no matter how many disputes i mail them they refuse to remove either account from my report so i can not get a car
My girlfriend was   XXXX   and on  XXXX . She was found to have the   XXXX   XXXX   XXXX   and her doctor ordered me to go give a   XXXX   XXXX  . The hospital now has it in collections and it should have gone under her insurance. I have made several attempts to speak with the head of billing at  XXXX   XXXX  as well as going into the hospital on several occasions and have been turned away and told " just pay it ''
Discover Card is / has charged off my credit card debt. I am in dispute with my mortgage company over a failed refinancing and a failed loan modification. Proceeds from these actions were to be used to pay off my credit card. I am pursuing legal action against my mortgage company.
XXXX XXXX reported my account as delinquent to the credit reporting bureaus for an {$8.00} charge that was incurred for the annual fee. I do not use this credit card and was not given any statements or notices that the annual fee was being assessed to my account. Furthermore, I believe it is deceptive and unfair that the annual fee is split up over monthly payments. This forces consumers to have to use their online payment system which charges a " convenience '' fee for expedited payments. It is also creates a situation where consumers would incur more late fees, which are double the amount of the annual fee amount, if they are not aware that every month the annual fee will be added to their account. This appears to be nothing more than a system designed to extract fees from consumers. 

Additionally, I have never made one late payment in the 3 years I have had this account and when I called they were unwillingly to accommodate my request to update my credit reporting and remove the derogatory remark which caused a significant decrease in my credit score. The amount past due reported to the bureaus was for {$25.00}, which again, consisted of {$8.00} for the " monthly '' annual fee charge and the rest of the balance was entirely late fees.
On XXXX XXXX, 2017 I spoke with Equifax, XXXX, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge
I opened my spam folder to find an email from XXXX XXXX ( XXXX XXXX ) stating that due to a new login system in which customers were required to use, they were going to restore credit history prior to XX/XX/XXXX. Prior to XX/XX/XXXX I NEVER missed a payment. After I had to create a new login for auto payment, I have NEVER missed a payment and paid in full. My account status should be -- PAYED AS AGREED. NEVER LATE. The late credit reporting ( XX/XX/XXXX- XXXX and XX/XX/XXXXXXXX ) need to be removed ASAP. I was told they would be removed. Over a month ago, I sent USPS certified letters to XXXX XXXX and they have yet to do what they promised. This is negatively effecting my credit. I have sent disputed WITH proof yet NOTHING has been done. 

Attached is the email promising to restore my credit, an certified letter to the CB and certified letter to XXXX XXXX ( XXXX XXXX )