WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX   XXXX ,  2017  Consumer Financial Protection Bureau : TransUnion is inaccurately reporting information on my credit file.   The account number in question is #  XXXX , & the company is  XXXX   XXXX .   This account is not mine.   I do not owe  XXXX   XXXX  {$890.00}.   I have a police report regarding this incident & provided TransUnion a copy of it.   TransUnion said they investigated the incident but did n't find anything wrong with the  XXXX  account.   I requeste d Method of Verification  & asked for a copy of the documents they used to determine there decision.   I have n't received them yet & they are still inaccurately & illegally reporting this account on my credit report.   I called  XXXX   XXXX  on  XXXX   XXXX ,  2017 .  XXXX  confirmed they have no records of this account.   However, TransUnion is reporting that I owe  XXXX   XXXX   XXXX .   In closing, I want TransUnion to investigate this incident & provide me with the 'Method of Verification ' used to determine the facts of the matter.   XXXX  I want this account removed from my credit file.
I had a XXXX XXXX Account opened in XX/XX/XXXX and the last time used my account before I close it was XX/XX/XXXX. My account was paid in full at the XXXX XXXX in VA in full. XXXX reported my account to the credit reporting agency as paid in full. How I check out my credit reports XX/XX/XXXX and XXXX have my report showing negative information. I called XXXX XXXX and they stated what they report is correct and that 's a false statement. Someone please help me with this case. I will take a lie detector test to show you all that my statement is true.
The are trying to collect to from some guy that I do n't know. After repeated times I tell them I do n't know who it is they refuse to take me off their list.
I have been dealing with all XXXX credit bureaus for almost a year. I also reached out to the companies reporting to validate the debt and neither one has done so. I gave them over 30days and nothing. XXXX act XXXX XX/XX/2010 and XXXX XXXX act XXXX XX/XX/2010 I want them both removed from all reporting agencies. I have disputed them so much that I ca n't even dispute them any more because they have supposidly been investigated but I have yet to receive any proof. Under law they had 30 days to show proof or delete it. Neither has been done. Also they will fall off XX/XX/XXXX on there own because they will be 7 years old. It should not be that hard to get things removed that have n't been proven in 30 days. Sending me a letter for identity theift like these companies did isnt validating a debt.
Absolute Home Mortgage Company pre qualified and approved us for a mortgage that we could not afford, As a result My husband and I are now seeking a loan modification and possibly bankruptcy. Made settlement XXXX XXXX, 2015. We would love to be able to keep our home.
Between XX/XX/XXXX and XX/XX/XXXX there was a hard inquiry on my account that has been open since 2016 with Wells Fargo for XXXXXXXX XXXX   XXXX XXXX. The account has not been used since then nor have I had contact with Wells Fargo or the furniture store since 2016. The inquiry was unauthorized and I was never informed that an inquiry would be ran. 
I called into Wells Fargo 's customer service. They told me they can not access any information to the account because it's the store 's card, so they had to transfer me to that card 's customer service. When I reached the representative on that line, they told me they have no record of the inquiry being pulled and can not tell me why one would have been pulled. They claim to have filed a dispute through XXXX, but I do not feel confident that any actions were properly taken since they can not see their own inquiry they pulled. This is negatively affecting my credit because hard inquiries take points away. 
I do not understand how a company has no record, but had to have sent a report to a creditor requesting my information.
I received an email on XX/XX/2018 that my mailing address had been changed. I had not changed the address so I contacted Capital One where they informed me that a fraud alert had been placed on my card so a new card and number were issued and then the mailing address was changed so the new card would be sent to whoever was pretending to be me. Capital One handled this very well and changed everything back and put a fraud alert out for me with the credit bureaus. On XX/XX/2018 I received another email stating the same thing as before. The same person at the same mailing address had done the same thing that they had done on the XXXX. At this point Capital One put a restriction on my account so that they would have to contact me by phone before any changes could be made to my account. I was satisfied with this until XX/XX/2018 when I received a third email stating the same as the first two. A new card had been issued and the mailing address had been changed a third time and no one had tried to contact me as they said they would. When I called to change my information and report the problem I was told that because of the restriction I would need to submit several documents and it might take up to 72 hours before they could handle my requests, but they had obviously let someone else make the changes to my account with the restrictions in place. I was never able to make the changes to my account and canceled the entire account out of frustration. I also had to forfeit {$250.00} worth of rewards when I canceled because I had to have the restrictions lifted in order to use the points and I was not willing to let an identity thief have a card on my account for 72 hours while they approved my documents. I am extremely angry that I could not do anything with my account without all the documents they wanted, but they had obviously let an Identity Thief do it.
I am writing this letter in response to my dispute with Portfolio Recovery Associates. I requested validity of a XXXX XXXX credit card debt and was sent a billing statement in the amount of {$580.00}. I do not owe this debt and the address associated with the statement does not belong to me. This account has been removed from XXXX and XXXX, and that this account be immediately removed from my XXXX  credit report as well.
This company Speedy Cash. Sends repeated threatening email to my work email. This is how they are communicating to me. This company also has put this on my credit report and is negatively hurting my credit history. Emails are coming from random people with oulook accounts stating, they will contact my employer so they can take action against me. There are threatening to sue me and have different amounts to pay on each email. This is a fradualent company who terrorizes ppl. I have told them to STOP contacting me at my workplace which is a violation. I have the emails for review.
Equifax online dispute portal has been undergoing " maintenance '' for over a week, this i unacceptable under fair credit standards. it is a simple portal and they have an in-house IT department.
The Thomas Agency regularly call my mobile phone and appear as an " Unknown Caller '', regardless of whether I answer or let it go to voice mail, the " caller '' is not a human and asks for someone I have never heard of before. The mobile number was obviously reassigned, but I can not make The Thomas Agency remove my number and stop calling me. I even called their office and spoke to someone who assured me they would remove my number ; I just received another call. There is no means I have found to remove my mobile number from their automated system, and the harassment continues. I ca n't even block them from my iPhone because their calls do not display Caller ID information to act upon.
On XXXX/XXXX/2016 I opened a Sears charge with citiusa, I bought my merchandise and received the card 2 weeks later. Set up online account. Logged in to pay bill had a " call there is an issue with account '' Fraud alert spoke with Fraud department. XXXX/XXXX/16 they pulled credit report without permission. Again on XXXX & XXXX called about " Fraud alerts '' on account due to messages on the account called again and both times they have inquired on my credit AGAIN W/O permission!
My wife and I have been Macy 's customers for years without any real issues. Recently, however, we received new credit cards. When I went in to view my current balance, I discovered that there were other account numbers ( XXXX for internal charges and XXXX for external charges ). However, I was unable to login with either number and so unable to view my balance. I called Macy 's customer service and was told that these were old numbers - XXXX was replaced by the new card and the other was replaced when we experienced fraudulent use of our credit card. I spoke to someone who was able to replace the old numbers with my current number. However, in the process, it appears she wiped out my account history. I have made repeated calls trying to get this rectified but so far to no avail. A common theme is that I am told that there is no history to which I reply I understand and I want that corrected. I have called and been connected to Tech Support ( XXXX ) on XXXX. She assured me that there were system issues and that this would be resolved within XXXX hours so we set a time of XXXX at XXXX XXXX ET. No change. I called back on XXXX ( XXXX ) and was connected to XXXX. We went through the problem again and he assured me that he would check into it with XXXX Support and get back to me by Wed. around XXXX. Again no call back. To date Macy 's has shown no interest in resolving the problem. This opens the question of whether or not they are able to.
I tried to make an international transfer from my citibank account to my son 's bank in XXXX. When I entered the information on Citibank 's website, I entered the correct routing number, account number, name and phone number, but the incorrect Swift code popped up, this number was pre-populated by citibank online, not myself. When I corrected the swift code, an incorrect routing number populated- i was unable to manually correct that. When I called the bank in XXXX they told me that the routing number and account number were most important, so I let it go through with the incorrect swift code-which, as I said was pre-populated by citibank automatically. This occurred more than a week ago. I waited a week, I kept asking my son if he received the transfer. I called citibank yesterday and they told me that there was a problem with the routing number, I called them back later that night and they told me that the wire unit was closed, I should call back the next day. I called again today and spoke with the wire unit. They agreed that the swift code was incorrect and they could not change it. The money had been sent back to citibank. The bank in XXXX had charged a {$25.00} dollar fee and citibank is charging me a {$35.00} dollar fee ( for transfer that didn't happen ) and they will put back the refunded money in my account at today 's exchange rate, not last weeks ' exchange rate, which gives me a net loss of {$200.00} XXXX plus the two transaction fees. They told me that they will put through an inquiry to see what happened and they may or may not accept responsibility. Of course they did not make any attempt to contact me in the past week to tell me that there was a problem, or that my money had been returned to them. I had to make three phone calls to find that. I do have a complaint # XXXX. 
I would appreciate any help you can render.
Subject : Request for assistance During the XX/XX/XXXX XX/XX/XXXX time frame of 2008, I purchased a new Mazda CX-9. I financed it with Chase Auto. Thus far, I have paid Chase Auto more than {$27000.00} in interest on the loan. The Chase Auto loan was suppose to be for five years ( 60 ) months. Albeit, Chase Auto changed the loan to seventy two months and has now has now informed me that the loan which Chase Auto extended to me that was used to finance my vehicle is now paid in full. Albeit, I still owe Chase Auto more than {$4300.00} in late payment fees. Chase Auto is now charging me an additional financial fee of {$1.00} each day to finance the {$4300.00} that Chase has added as additional late fees. Is this legal? Please help. For your convenience, I have listed my contact data below. 
Email : XXXXXXXXXXXX Residence : ( XXXX ) XXXX Cell : ( XXXX Thanks and out here XXXX XXXX XXXX
Last XXXX my home loan was sold to a company called Loancare and as soon as it was sold I received a delinquent notice and a late fee saying that I did not pay my XXXX payment when I did in fact pay it to the previous provider, XXXX. I then contacted my previous provider and they said and sent me proof that I paid my XXXX loan statement which I then forwarded to Loancare to hopefully resolve the issue and find the missing payment. I also sent Loancare copies of my bank statements to show that the money did indeed come out of my account and was not returned to me. Since XXXX I have called dozens of times trying to figure out where this missing payment is and what I can do to help and everytime I call I get generic answers like, " we will escalate the problem '', " we are waiting for the previous provider to respond '', or ( my favorite ) " I see the information you sent us but no actions have been taken yet. '' Right now I am on the second or third attempt of Loancare " contacting my previous provider '' but after doing this for months and never receiving a single call back from a supervisor or making any progress I need to find a new method to try to finally get this missing payment taken care of.
I disputed an account on my XXXX  credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. XXXX  said the account was verified so the account remained the same. I was comparing my XXXX and XXXX  report on my XXXX XXXX   account and i notice that XXXX is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with XXXX  on line but XXXX   wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking XXXX  to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.
i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.
I have asked them several times to not call me at work and they continue to do so. I tell them i will be in on a certain day or at a certain time and they still continue to call and harrass me. They are very hateful and hard do buisness with and they do not care about there customers at all. All they care about is the money and thry are always very threatening.
Charges were placed on my Care Credit Card by XXXX and XXXX XXXX that had not been sent to the insurance companies provided to them for the dental work done. New Office Manager is trying to clean up the mess left by the old office manager and Care Credit Synchrony Bank will not work with that office or myself on getting this card out of collections and off my credit bureau reports. I am trying to refi my house dropping my interest from 8.5 % to 4.0 % and this is blocking the whole process. Any advice or help would be appreciated. We have offered to make payment to bring the card out of collections but the bank will not listen. The cease and desist letter with attached documents will explain everything. If you have any more questions call me XXXX. Thank you.
I put in a claim with SunTrust bank over a vendor that took my money for a service and never supplied the service or replied to any of my inquiries. The bank issued me a temporary credit for the amount, but after their investigation decided that they would reverse the temporary credit. They sent me notification of the reversal AFTER it had been done. The letter they sent was dated XX/XX/XXXX and it read as follows : " Based on this information, we will be reversing the temporary credit that was issued to your account in the amount of {$200.00}. The adjustment is scheduled for XX/XX/XXXX. '' Their inability to notify me before resulted in an overdraft and associated fees in that account. When I attempted to explain to them that they notified me after the fact, it was like talking to a brick wall. Eventually they reversed the fee, but their practices are terrible. This is not the first time I have gotten caught in their bad practices resulting in me losing money. You have to be willing to argue to get your money back from SunTrust even when it is their doing.
To whom it may concern XXXX I hired a company called XXXX XXXX to replace my existing air conditioning system for the following reasons. 
XXXX 1. They claimed that the air conditioning wasnt powerful enough. 
XXXX 2. They claimed that the wire was undersized. 
XXXX 3. we needed an air conditioning duct in the ceiling of the living room, this work would be done for {$9000.00}. A copy of the contract is included. 
XXXX 4. They agreed that they would take a deposit of {$3000.00} which i paid on XXXX XXXX and they would expect the {$6000.00} upon completion. 
XXXX 5a. upon inspection of the job, they never installed the duct work in the ceiling for the living room, but charged my credit card anyway for the remaining balance of {$6000.00} on XXXX XXXX. When i confronted them, they said that they needed me to know that there was no place to put the duct without me doing some of the work.I explained that this was n't in the agreement. 
XXXX 5b. I stopped the credit card on XXXX XXXX for the {$6000.00} XXXX 6a. They finally agreed to install the air conditioning duct, by the XXXX XXXX, as long as i would give them the payment in full up front which i agreed. 
6b. On XXXX XXXX, they sent over technicians that explained to me that they could n't do the work. 
XXXX 6c. The guys that came to do the work did n't have the right parts for the job to be done and their ladder was too short to reach the roof outside, they needed to borrow a ladder from my neighbor and after looking at the job on the roof, they couldnt figure out where to start. 
XXXX 6d. They also didnt bring the right ladder for the inside of the house because the ceilings were high they could n't reach the ceilings in the house. 
XXXX. XXXX XXXX i put in a second dispute to cancel the charge of {$6000.00}. 

XXXX 8. They agreed to come back and finished the job but needed a set of blueprints, which i sent them via email about 2 weeks ago. 
XXXX 9. I asked them for a letter of intent or diagram showing me how they would install the duct work, and i have n't heard from them in 3 weeks. 
XXXX 10. I understand that XXXX XXXX is trying to have Discover reverse the charges in their favor which i dont believe i should pay for something that isnt complete. 
XXXX Please advise me on this matter. 
XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX
I challenged Equifax to remove the credit fraud alert off of my credit report, then, they requested an ID and check stub, I sent them this and THEY STILL did not remove the credit fraud alert, however the competitor XXXX had no problems removing the fraud alert with the very same documents. So, this tells me that Equifax is perpetually trying to frustrate me based on racism. Let it be known that I will not tolerate this kind of treatment and incompetence. I 'm demanding that EQUIFAX REMOVE the fraud alert from my credit report. This is causing me to not achieve the American Dream and I will fight dearly for it. You ARE BEING WARNED to remove this fraud alert from any credit reporting AT ONCE!
I do not agree that I should have to pay and that this goes on my credit .I never attended or used any money from this school .I did register but I never attended due to hardships in my home life. I should not have to pay for classes I did not attend
We did not have any account with XXXX and are charged with {$1100.00}. Not only we were charged but also our credits are damaged and we are reported to debt collector by XXXX. We explained many times to the debt collector AFNI and also managers of XXXX but they continued charging us and damaging our credits. 
Please help us restore back our credits which were damaged for many months and ask the XXXX and AFNI to give you the signed contract that we had with them with any copy of official documents we showed them during the time we signed the contract with them. 
Thank you for your help and we want the justice to be done.
My mortgage is being serviced by Bayview. I 've been charged a " rec corp advance '' fee ( {$140.00} ) which I am told is due to a recent appraisal of my home. This is not on the national schedule of fees, I never agreed to it, and they have refused to take it off my bill. 

I 'd like it removed from my bill.
I sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the XXXX.
DISCOVER CARD PUT NEGATIVE REMARK " CLOSED BY LENDER '' ON THE CREDIT REPORT BECAUSE I HAD TOO MANY DISPUTES AND FRAUD CASES OPEN ON MY ACCOUNT! DISCOVER FAILED TO PROTECT XXXX FROM COMMITING FRAUD ON THE CARD.
It I s with great devastation and confusion that I am writing to you regarding the inconsistencies of Wells Fargo. 

I had requested various times a work out plan that will benefit us all. Wells Fargo has made previous decisions and calculations that were incorrect.. Never any explanations or concern of my circumstances. I requested on XXXX XXXX that Wells Fargo review my file again and make the necessary adjustments for my wife is on a full time job over 8 months. 
Let me summarize my unfortunate set of circumstances beyond my control which leaded me to default on my mortgage. 

In 2013 I suffered a XXXX injury resulting in XXXX XXXX XXXX. as a result of the injury. 
I could not work and was out of the job for ten months. As the head of the household there was no income coming in. My wife was the only one now working at a part time job. Not enough income to feed XXXX people I have XXXX children. Please understand that this is our only shelter. 

I have presently taken distinctive steps to better our finances .I am certain my financial situation will continue to improve .I have provided several packages to Wells Fargo to no success. They are now refusing to review my file. I need for you to please reach out to them for they are not helpful.
On XXXX XXXX, 2015 I reviewed my account and notices another unauthorized charge was taken out my the XXXX request that fill out the form and submit then it will take XXXX hours to apply the money back to my. Navy Federal consently allow unauthorized withdrawal from my and they customers representatives treatment like I did when calling in to report a authorized charge. Please investigate the policy and procedures that Navy Federal uses to protect their customers from thing like this and make sure they are working to United States Federal regulations