WillisBack/dataset-financial-user-claim huggingface dataset:
I had a problem with XXXX XXXX which i paid them on time i have a proof of the cashed check by them they kept telling me they never received my payment and then finally my bank advised me to stop payment on this check and reissue them another check to solve the issue we did and then we though the problem is taking care of I closed my account with XXXX XXXX as well. but XXXX XXXX went a head and report me late on my payment for more than 90 days I learned about that when I was applying for a loan and my Loan was declined I tried to contact Experian they have no one to answer their phone it is an automated service and there is no person to talk to I tried to log to their website to dispute this wrong information I got a message I can not do that on Line I need to speak with them again I tried the number one more time during business hours I was not able to get a hold of any one. Now Exerian allowed XXXX XXXX to report the wrong information about me without no proof and they are providing this information to any lender who check my credit report and they are not giving me a chance to correct that error with them attached is the respond i got when i was trying to dispute the error plus a copy of the paid check to XXXX XXXX back and front to confirm they cashed it Thanks.
wells fargo forclosed XX/XX/2018 after 2 to 6 times tried to a modify i want to know the numbers and how much we were off by on each denial thank you
ON XX/XX/2019 I HAVE PREVIOUS SENT IN DISPUTES TO TRANSUNION, XXXX AND XXXX AND the scope of the dispute outlined on a XXXX WAS NOT PROVIDED AS REQUIRED BY FCRA 611 ( 15 U.S.C. 1681I ) I NEED THESE ITEMS REMOVED XXXX Account # XXXX XXXX XXXX XXXX XXXX, OH XXXX THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED XXXX BANK Account # XXXX PO BOX XXXX XXXX XXXX, NY XXXX BYMAILONLY THIS ACCOUNT HAS NOT BEEN VERIFIED AND NO EARLY WARNING NOTICE WAS GIVEN AND STATES I WAS LATE HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT WAS PREVIOUSLY DISPUTED HOWEVER THE DATA FURNISHER NEVER PROVIDED A SCOPE OF HOW THE ITEM WAS INVESTIGATED SO I DEMAND THAT THE LATE BE REMOVED
On   XX/XX/XXXX ,   Hurricane   XXXX  destroyed my home. I was evacuated and currently reside in FEMA transitional housing. I contacted Bank of America,  XXXX   XXXX   XXXX  in   XX/XX/XXXX  to  notify them I  FEMA  evacuated me, rendered my home dangerous and uninhabitable. I also gave them a copy of the City of  XXXX  storm water report,  XXXX   XXXX   XXXX   XXXX  report and NC  XXXX   XXXX   XXXX   XXXX  report. In short, when the  XXXX   XXXX   XXXX  levy broke, the water eroded the ground under my home and its now falling off a cliff.   Bank of America has continued to FORECLOSE my property knowing that the home is on the FEMA but out list in  XXXX  NC. There predatory lending practices and negligent updating of my records has ruined my credit and no one will rent me and kids a home. Ive been Homeless sinc e  XX/XX/XXXX . Ive asked for a Discharge of this Debt and they refused and s erved me toda y  XX/XX/XXXX  with Foreclosure paperwork. Bank of America is forcing to pay for a   condemned home when they can Discharge the Debt due to  Hurricane   XXXX .      XXXX   XXXX   XXXX   XXXX  also failed me miserably. I signed forms for them to assist and advocate for me and they DID NOT facilitate my request. My worker  XXXX   XXXX  refused to follow  NC Disaster Legal Service  rules for Natural Disaster even when I told him to do so and provided him the steps. He requested I sign a short sale form for my home with " NO '' resale value. That neglect action furthered my Foreclosure status. They are contracted by NC and receive funds to help  Hurricane    XXXX  Victims and that 's not being done by  XXXX   XXXX . He should be reprimanded for making such fatal mistakes.     My credit and my life has been ruined due to these agencies. I cant rent or buy another home. At no time should a condemned home on the FEMA ACQUISTION LIST be foreclosed on. We lost enough and now Ive lost the ability to rebuild my life. I 'm a  XXXX  Veteran with  XXXX  kids and I just want my own place to live again and stability for my kids. The agencies were suppose to help and instead they 've destroyed my sanity, credit and lively hood. Ive been diagnosed with  XXXX  and  XXXX  since  Hurricane    XXXX .      XXXX   XXXX  has also ruined my credit and failed to protect Hurricane  XXXX  victims. I turned in my Van due to  Hurricane    XXXX  damage and they listed on my credit as a volunteer repossession. I called them to come get if because of storm damage. I want that debt discharged too. I should n't have to pay for that.     PLEAE HELP ME!!! PLEASE CALL ME WHEN YOU RECEIVE THIS , IM TIERD OF FIG HTING THEM TO DO RIGHT BY ME.      XXXX   XXXX   XXXX   XXXX  loan #  XXXX  email :  XXXX  XXXX  XXXX
XXXX sent a debt collection in my name to collections. I discovered the debt only after it reported to my credit bureau reports. I contacted XXXX directly and, they advised I needed to dispute it with the collection agency. I immediately contacted the collection agency and disputed the debt. I found the collection agency to be of no assistance as they refused to accept that the bill was not mine. I hired an attorney to assist me in disputing the debt. Through the attorney, a letter of representation and a request for validation of the debt was sent to the collection agency. XXXX was copied on this correspondence. Shortly thereafter the attorney received a few copies of phone bills as an attempt to validate the debt. A second letter was sent to the collection agency requesting further documentation. My attorney advised the collection agency that, the previous address ( which incidentally was not in the state I live ), the original account holder 's name was not my name, and the telephone number listed on the account was not and never was my telephone number. Upon reaching out to XXXX, it was found that the account was erroneously placed in my name. The original account holder was removed and responsibility was transferred to me. This was NOT done in person or in writing. A contract was never viewed or approved by me. I am NOT familiar with the person whom the account originally belonged to. I have never had an out of state telephone number. My attorney advised XXXX in writing that this account was moved to my name fraudulently. XXXX closed the account and, as far as I know, the phone number would be disconnected or investigated by them. Additionally, the phone that was used was an XXXX and the ISN # on the phone traced via XXXX XXXX. to an account that was reported lost or stolen by the owner. There is no trace of this account being authorized in my name. In fact, I currently have an XXXX and it has been with the same service provider for 8 years. That is the only account XXXX XXXX. has had in my name. The attorney contacted the collection agency in writing with these documented facts from XXXX, XXXX XXXX, and from my current service provider. The collection agency was urged to discontinue collections and remove the debt from my tradeline as it did not belong to me. There is absolutely no evidence or supporting documents to show any contract or permissions were reviewed or signed by me. The debt was removed from my credit report. Until recently I received an alert from my credit monitoring service that the debt was placed back on my credit bureau reports. This is irresponsible and negligent reporting. I have taken the necessary steps to prove this debt is not mine. I incurred costs to ensure this was handled in a professional and efficient manner.
My husband and I are in the middle of an FHA Short Sale for the property located at XXXX XXXX XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''
Transunion had a computer breach in their system that violated the rights of their consumers under section 611 5 ( b ) of the Fair Credit Reporting Act. I have been gravely affected and my report is suffering as a result. This computer glitch that caused all of the inquiries on my credit report to be deleted, and my credit score increased. The next week, all of the inquiries were reinserted without prior written notification in violation of Sec. 611 5 ( b ) of the FCRA. I have spoken with multiple reps of Transunion, who acknowledged the security breach occurred several times in XX/XX/2016, but refused to fix their errors on my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit report. I demand the following inquiries be removed immediately : XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, and XXXX XX/XX/2016
I have always paid my purchases in full to XXXX ; s. they messed up and did not apply my payments correctly and when i discovered the inaccuracy i called them and was suppose to be fixed. however the issue was not solved and late payment fee and finance charge was added again, ,now we are 90 days into this matter with all late payments and fees. 
the representative promised to correct their error and remove finance charges. i closed the account the next day but received another statement showing late fees and finance charges again. now we are 4 months the mess and finally the account was closed and promised was made to me that all has been taking of and no further action is required. 
despite my repeated efforts this matter is still on my report and hurting my credit and i have been denied credit because of their errors in reporting.
I had an account with Citibank. The account was closed and paid to a {$0.00} balance. Unknown to me - Citibank reopened the account to accept charges from the XXXX. The account was again brought to {$0.00} and closed again with instructions to never reopen it. 

Without my permission - the account has been reopened and several hundred dollars of fees are applied to the account - but Citibank can not produce any purchases
We have made numerous attempts to request assistance from NationStar since XX/XX/2012 due to XXXX XXXX being laid off from his job XX/XX/2012.
In XX/XX/XXXX I took out a loan with Regions Bank for the purchase of a personal vehicle. Over the course of the loan there has been a couple issues with payments not being applied correctly or in a timely manner. 

On XX/XX/XXXX I submitted vehicle loan payment to Regions Bank for the amount of {$800.00}. Approximately one week later Regions Collections dept called and advised that they have not received payment and needed payment to be submitted at once to keep the account from going to collections. At this time I contacted my bank ( XXXX ) and received a proof of payment AND a copy of the check that was sent to Regions. This copy of the check was endorsed/signed. This info was provided to the collections department ( XXXX ) on XX/XX/XXXX. XXXX advised that she was going to have to escalate this issue and have it investigated by Regions. XXXX also advised that Regions would contact me and let me know the status of this issue. On XX/XX/XXXX I contacted the collections dept again and was told that they still did not have any resolution and I should speak to a supervisor. I was given the name of XXXX and spoke to him on Monday XX/XX/XXXX. He also advised that this was going to need to be investigated by the Region team and to call back on XX/XX/XXXX. At this time XX/XX/XXXX I also submitted a copy of the proof of payment and a copy of the endorsed check to XXXX. On XX/XX/XXXX I contacted XXXX regarding the issue with this account. He stated that Regions did look into the account even after reviewing the XXXX supplied Proof of Payment and copies of the check Regions will not apply the money to my account. Regions stated that it is up to me " XXXX '' to prove to Regions that the check has been cashed. 

Regions has provided no assistance in correcting this issue other than advising me that they supposedly do not have they money and I need to prove to them that they have the money before they will apply the payment to my account.
I tried speaking with a representative from TransUnion to get some of my credit inquiries removed because I have over XXXX from a car dealer trying to finance me for a vehicle the person was rude to me and said I had to write out all XXXX financial institutions and said I should n't have a problem doing so even though when I was at the dealership I has no idea they ran my credit over XXXX times. Even though I have tried myself to remove them to no avail I can not get them to go away and it is drastically affect 's my credit everything else is tip top shape besides those inquires.
I have disputed a revolving account on my credit report for over a year and still is on my credit report. I am trying to purchase a home and this account is not mine.
I tried for help from XXXX credit for fixing my credit. I paid half of it off it was XXXX charge account they found and started with. I just found out through XXXX credit that this was not my account at all. It haD my name birthdate and social but the address and phone number are not mine. XXXX has removed it from my report.
CAPITOL ONE DEBITED MY BANK ACCOUNT WITH XXXX XXXX XXXX XXXX ON XX/XX/2018 FOR THE ENTIRE BALANCE OF MY CREDIT CARD {$2200.00}.

I NEVER AUTHORIZED THIS PAYMENT AND THEY ARE STATING I MADE THE PAYMENT THRU THEIR IVR AND I NEVER DID NOR DID I CALL. THEY WILL NOT RESOLVE FOR 7-10 DAYS. I HAVE OPEN A PAYMENT INVESTIGATION SINCE THEY STATED I MADE THE PAYMENT.

I HAVE CONTACT MY BANK TO DISPUTE AND STOP PAYMENT. I AM DISGUSTED BECAUSE I AM SIGNING A LEASE FOR A NEW RESIDENCE ON XX/XX/2018 AND MAY NOT BE ABLE TO HAVE MY ENTIRE PAYCHECK RELEASED.

PLEASE ADVISE WHAT STEPS I NEED TO TAKE TO RESOLVE THIS MATTER.
XXXX XXXX has reported me as being 9 times 30days late. I have contacted them numerous time sent my bank statements showing that they have received monthly payments from on time as payments were set up on Auto-pay at {$12.00} per month. I paid the account in full on XX/XX/2017 and was told that all incorrect lateness 's would be removed as they should have never been placed on my account in the first place this company is clearly in violation and I want my cr3edit report corrected as my score has dropped 100 points due to this
I contacted Target Credit Reporting ( Servicer to TD Bank XXXX, XXXX. XXXX in writing by certified mail to ask for validation for a Target Store Credit Card that I do not recognize as mine. As allowed under FCRA, I requested a copy of any written agreement bearing my signature. They replied and did not provide any copy of my signature as required by FCRA. They have continued to report this account to my credit and they have violated my FCRA Section 623 by not updating the account to " disputed '' status on all 3 credit bureaus. The resulting violation and inaccurate reporting has caused me financial injury as I am being denied for a home loan due to XXXX XXXX XXXX refusing to validate this account as they are required by FCRA Section 609.
I keep receiving phone calls at my place of work from this company called Account XXXX. That have interrupted my job and other duties at work. I do n't know who this company is or what debt they may be trying to claim that I have with their company. They called from this number XXXX and left a contact name of a XXXX XXXX, a woman left this name on the voice-mail message, but then left this number XXXX to make a return call. This is harassment I would like something done about this. Thank you!
This is not a duplicate complaint ; the issue from February was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!
I submitted a written request ( attached ) requesting unauthorized Inquiries be removed from my credit file from Equifax on XXXX/XXXX/16 ( see attached letter ). They refused to remove the Inquiries. See their written refusal letter ( attached ). I do not recall authorizing these Inquiries. I also called twice and spoke with representatives of Equifax, they also refused my request to have the unauthorized Inquiries removed. Thank you.
XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. 

we eventually paid it but ever so often it pops up that we are delinquent.
I have disputed an error with Experian two different times and even with proof of inaccurate reporting, they will not remove the account from my report. I sent a dispute letter to Experian XX/XX/XXXX. This was my second attempt at trying to have the inaccurate information removed from my file. I explained to Experian that I had previously reached out to the company ( XXXX XXXX ) to whom my dispute pertains and was provided a copy of the so-called contract I signed with them. I forwarded all of this information, along with my reasons for dispute. Experian has for the SECOND time refused to delete this account ( although inaccurate ) from my report and will NOT share with me how the information was proven and deemed accurate by their investigation. I have attached copies of all paperwork and will also share with you the reason why I feel the information is inaccurate and should be deleted immediately : See page 1 : How was " accuracy and completeness '' determined? Why can't results of investigation be shared with me? 
See page 2 : Experian simply updated the information contained in the report from balance of {$1000.00} to {$1000.00}. Where's the proof of this? Experian was specific enough to increase the dollar amount by {$3.00}, they must have information that proves this ... share! Also, please note one area of the report states {$4000.00} owed, but another area states credit limit or original amount {$490.00} ... which is it? 
See page XXXX : If debt belongs to me, where are the last 4 of my ssn ( it's listed for the other party mentioned in the contract on pg.4, where's mine? ) See page 4 : Spelling of last name inconsistent See page 5 : Every page states " SOP '' which I have learned to mean signed over phone. My signature is nowhere on the contract! If SOP was used, prove it by providing recording of that supposed phone call. How can I be held liable for a contract that I NEVER signed!? 
See page 6 : In description of transactions, where is my name listed? Why am I not included/listed as a member? In addition, according to credit report " date opened '' is listed as XX/XX/XXXX, however page 6 shows transactions dating back to XX/XX/XXXX ... that's almost a full year 's difference. 

This entire report is filled with inaccuracies. Nothing being reported is true and it is hurting my credit standing and rating. In my opinion, just another cheap ploy by the credit reporting agencies to keep them in business. Experian is the only party that gains anything by reporting false information!
I co-signed my son 's car loan ; a few months later, I received a call stating that my son was more than a month late on his payment. I requested at that time to start automatic deductions from my bank account ; I made the payment which was behind, and I provided all my contact information including cell phone, email address, and mailing address. I requested to be notified if anything happened with this account, and setup the automatic deductions immediately. I also included this car on my XXXX policy. About a year ago, I told my son to go ahead and get an insurance policy on his own since I was paying too much between his car payments, my car payment, and both insurance coverages. I confirmed with him that he has done so, and I continued paying for the loan. I monitored the account to make sure that payments were being deducted monthly, and when I changed banks, on XX/XX/2016, I noticed that the automatic deduction was not honored, I called and make a manual payment. I called Capital One ( the financial institution ) to apologize and explain to them that my bank, XXXX takes awhile to start the automatic deductions. On XX/XX/2016, my son had a car accident ; then, I found out that the car did n't have any collision coverage. Capital One was supposed to check to make sure that the car had the appropriate coverage ; they had my information and my son 's information so they could have called us to let us know to purchase the appropriate coverage. They are supposed to have a dedicated department to check for insurance and take the necessary precautions to preserve their own interests. However, they acted carelessly and when I called to ask them what can be done, their answer was, " well now you have to pay several years for a car you ca n't drive ''. It seems to me that they do n't care because they feel that it 's going to be the consumer 's problem.
On XXXX/XXXX/15, Chase alerted me to potentially fraudulent activity on my account. I verified that XXXX checks appeared to be fraudulent. I was told a fraud alert was being placed on my account. I was told that my account would be credited in XXXX business days. The next day, XXXX additional checks were presented. XXXX of them were not cashed due to insufficient funds. XXXX of them were. I called again to update my claim. Again, I was told that my account would be credited in XXXX business days. I called on XXXX to get an update and again, no credit, no additional information. On XXXX, I contacted the bank again assuming that some, if not all, of my funds would have been refunded. At that point, I was told that I needed to submit an affidavit. No one told me that previously. Nonetheless, I submitted XXXX shortly after it was requested. On XXXX, I contacted the bank again expecting to have my account credited as it 's the XXXX business day. Instead I was told that they had not assigned my claim, that it would take an additional 10 days to process, that they could do nothing about my the fees they assessed or the money stolen from my account until that time. My lawyer and I then spoke to their Executive Office seeking their intervention. The person I spoke to said that it would take XXXX to get any additional information. Due to Chase 's failure to protect my money, I 've been assessed fees by vendors, been penalized by another financial institution with which I have an outstanding loan, and have not been able to pay vendors. Chase ' failure is impacting my business negatively.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.