WillisBack/dataset-financial-user-claim huggingface dataset:
I have resolved a credit issue and am in possession of the letter from the creditor to delete the record from my credit report. I tried to use TransUnion website to do this but it is fraught with technical problems and the process failed. I proceeded to call the telephone support number which is XXXX XXXX. These people registered the case but I am unable to supply supporting documentation ( the XXXX page letter ) because 1. the FAX number at TransUnion does not work, 2. they do not use email and 3. they request I use snail mail which will delay removal of the offending record. The process will take at least a month and many calls to TransUnion to resolve. This is effecting me very badly. Should not take so long. With lives in the balance these companies should be required to fix credit reports on demand, within 24 hours.
I wanted to purchase an automobile on credit and the lending agency stated that my credit report stated that I was deceased and they could not proceed further until I got it straightened out. I contacted the credit agency they referred me to and got my credit report and nothing on it stated I had died but it did show my current credit card balances and and latest credit activity. So I called the credit agency and they stated that a credit card was cancelled in 1997 due to the card holder being deceased and that was the reason they reported me deceased even though they could see that I had current activity. I lodged a complaint to get it resolved and they stated it would take 30 days. I was not happy with the delay because it basically keeps me from getting any credit for 30 days until this is resolved. The credit agency was completely insensitive to my problem and still stated it would be resolved within 30 days. They did gave me the credit card issuer phone number and the credit card number that allegedly was reported cancelled due to card holder being decreased. I called the credit card issuer and they stated the credit card number provided by the credit agency was incomplete and they could not help me. But they did state the the numbers provided was an very old credit card. In my opinion this reporting error is due to complete incompetence on the part of the credit agency when their own current records clearly show that I am not decrease as reported by the credit card company. It is clearly their reporting error and their mistake that is basically keeping me from getting any kind of credit until this is resolved. Something needs to be done to keep this from happening to other people including credit agencies need to be required to immediately to review their own records to determine if the alleged death is remotely true based on current activity.
Note : This is NOT a duplicate of any previous complaint. 

It is the next logical complaint in the sequence created by Santander policy of claiming to respond to a complaint, while in fact failing to respond to the complaint, in violation of applicable law. 

The most recently discovered damage caused by Santander, inXX/XX/XXXX consists of {$90000.00} of additional mortgage loan costs caused by agency reporting of credit by Santander. Note that the accuracy and/or lack thereof of what is being reported is irrelevant, and not at issue. The only issue of relevance is the financial damage caused by such reporting. 

Additionally, by its own admission in its " response '' to the previously filed complaint, Santander has failed to report the as- agreed and timely payments for XXXX XXXX and XXXX XXXX as current and favorable in reporting of tradelines to agencies. This constitutes fraudulent solicitation of a payment on the part of Santander, as their customer login clearly reflected those amounts and due dates, and recorded them on those dates for those amounts in payment history.
I got a copy of my yearly credit report and noticed that I had 4 inquiries from Chase Card dates (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. someone was trying to get a credit card that was issued by XXXX but didn't have all of my personal information to complete the application. i contact Chase and the three credit report companies to inform them of these fraudulent inquiries and ask to have a freeze placed on my reports.
Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, TRANS UNION & XXXX credit reports. XXXX, TRANS UNION & XXXX   should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, XXXX, TRANS UNION & XXXX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : EXPERIAN Reported Late Payments : 1 ) XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX TRANS UNION Reported Late Payments : 1 ) XX/XX/2016 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 )XX/XX/XXXX XXXX Reported Late Payments : 1 ) XX/XX/XXXX 2 )XX/XX/XXXX 3 )XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX
My XXXX XXXX Credit card was stolen. I contacted XXXX XXXX and they sent me a replacement card two weeks later. So, the account was not eliminated or removed, it was simply replaced by another Credit Card.
To Whom It XXXX Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It XXXX Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XXXX/XXXX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURENT XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX IS NO LONGER MY ADDRESS XXXX XXXX XXXX NORTH, XXXX, FL XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to XXXX U.S.C. XXXX ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item XXXX XXXX ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ). You are bound by XXXX XXXX to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I requested a loan modification workout out in XX/XX/XXXX due to the Department of Treasury approval of a 30 % cut in my pension effective XX/XX/XXXX. I am XXXX and receive social security. Approximate XXXX XXXX my request was denied by a phone call from a rep at Shellpoint Mortgage/XXXX  XXXX ( investor ) informing that Shellpoint offered that my payment be extended for 10 years and reduced to {$640.00} from {$730.00} but the investor denied it and said the only option available is to increase my mortgage and stay at the 7.75 interest rate, and asking that I bring my account current. I am now making partial payments of $ XXXX monthly. I appealed the denial in writing and then on or about XXXX XXXX, I received another phone call from XXXX XXXX ( point of contact ) informing that the first denial was a " computer error '' and still they will not modify because the " numbers don't support it '' and any modification would increase my payment, which is ridiculous. I asked to see all documentation and the calculations of how they arrived at this conclusion. He said he would have Shellpoint make that information available to me. On XXXX. XXXX I attempted to make a payment via phone but was transferred into various loops that said no one was available to speak to me. I believe Shellpoint has no intentions of provide a loan mod. I have $ XXXX in equity and their intent is a financial advantage. I have requested many times that I be allowed to pay my own taxes. That alone would give me some relief. They refuse. My XXXX statement now shows an increase of {$7.00}. While this is minimal, why did my payment increase? One of the issues with this company is that they never put anything in writing and each time I speak to a representative, the story changes.
On XXXX I was contacted at XXXX I missed the call and called back at XXXX. I was then told that they had an important business matter to discuss with me and they needed me to verify my address. I then told them I would n't give them any of my personal information, they called me and should have that information. They then continued to claim this matter is affect my credit, and if I do n't resolve it there would heavy consequences. This is odd, because I have been building my credit since my bankruptcy and have really been pushing to keep it clean. I then explained that I have no outstanding debts. I then told them I know what your doing ; I will not give any of my information to a thief that is planning on destroying my good name. I then auto rejected their number immediately. I then received XXXX more calls in the following XXXX weeks. I Called and reported this to the local sheriffs office in XXXX Utah on XXXX XXXX 2015. I gave him the number and the spill they told me. He said if anything comes up on my credit to then call him again, and he would give me a case number to fight the charges. I called XXXX XXXX XXXX 2015 at XXXX and told them I know what they are doing, I demanded that they remove my number from their call list. I also told them I reported them to the local sheriffs department and if any charges are placed on my credit by there company IC Systems. I would take action against. He claimed his company is n't fraudulent, and I confirmed that he understood what I said and that the harassing calls would stop he agreed. I then hung up.
This has to do with a money order loan payment that was posted on XX/XX/2018. This payment was for the month of XX/XX/2018. The amount of the money order was for {$860.00}. Ally posted the payment incorrectly as {$960.00} and the money order was reversed. The payment was not returned to the bank, nor was it returned back to us. Ally keeps on calling us and stating we are past due. We can't get an answer from them telling us what happened to the payment after they put the amount incorrectly. They did not mail it back to us, nor does the bank that issued the money order have it. I just got off the phone with them for the 5th time and they can't give me an answer of what happened to the payment! They now have posted a late payment on our credit report. This payment was not 30 days late! I want to know what happened to the money order and when it was pointed out to them that it was their error, why wasn't it fixed.
Midland Funding is lowering my credit report and creating problems for me by reporting a Collection account on my credit report. This debt is NOT mine and yet they continue to ignore my requests to remove the derogatory remark. I ca n't understand how they can ruin someone 's life without providing any proof a debt is owed. If the CFPB ca n't help with situations like this I question why it even exists? The credit reporting agencies dispute procedure is useless in these situations and need to be changed.
I have mail and fax Transunion to remove old outdated obsolete incorrect information and they still have not done so referXXXX you closed the case still XXXX  XXXX listed on my account all three CRA and XXXX XXXX have copy of XXXX XXXX letter stating XXXX  XXXX does not own account and its not my account please remove personal -information 2 names not me,15 inquries I did not make, XXXX, XXXX XXXX not showing as protested I fax them the information again the 6th time now to remove it. this is and has been a violation of the FCRAeven under section 623 { a } { 8 } { 7 } they do not comply Section 611 No comply Section 609 No comply when to they get find for consumer violations I have protest now over 6 months shown proof that account are not mine but still there they are on my report
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX Experian : XXXX. XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX:XXXX Experian : XXXX   XXXX : XXXX, XXXX  XXXX : XXXX   Experian : XXXX XXXX XXXX : XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX   Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX  XXXX  : XXXX , XXXX XXXX   XXXX : XXXX Experian : XXXX XXXX : XXXX , XXXX XXXX : XXXX Experian : XXXX   XXXX : XXXX , XXXX XXXX:XXXX Experian : XXXX XXXX XXXX : XXXX , XXXX XXXX XXXX XXXX   XXXX  : XXXX , XXXX XXXX XXXX : XXXX Experian : XXXX, XXXX XXXX XXXX
XXXX advertises that if you apply for their credit card you will " earn '' XXXX free stay nights. You must meet certain conditions. I met their conditions, but they did not notify me that I was now eligible for my XXXX free night stay. Instead, I contacted them to find out about how to use my nights and they said " they have expired. '' It was not something that was free - I had to earn it - yet they did not properly give me the opportunity to use what I had earned. This is fraud. Gift cards can not expire in California, why are they allowed to let my earned award expire?
This makes the 6th or 7th complaint against XXXX XXXX XXXX XXXX. 
On or about the beginning of XX/XX/2018 I wrote about the inept and horrible customer service via their XXXX #. They transferred me to XXXX, some other place, and kept me on hold for over 3 hours. Each time I was transferred to a different person I would ask for a manager but only to be ignored. And with each transfer, I was asked the same probing privacy questions ( name, address, birthday, last 4 of social, etc. etc. etc. ) After being on hold for this long and disregarded I repeatedly asked for managers ... but it was their own XXXX over my frustration that escalated my call to their " fraud dep '' and where this matter is not being handled now. 
Since this time I have sent my license to them at least 7 times. A few weeks ago, I again contacted their " exec. resolution '' office, someone named XXXX said he had NO PROBLEM seeing my license, which he also saw was in the system at least 4 times. I am of course furious at this time ... he tells me he is going to " escalate '' the call to a manager in the fraud dept. and make sure someone calls back. Of course, as usual, days and days go by with no call from the fraud dept. I was told someone named XXXX was not allowing anyone else to speak to me. After another call to these offices someone said they would send an email to her manager. I am waiting to see if she calls back. In short : 1.  Both of my cards have been locked. One has a balance of XXXX and the other just over {$1000.00}. 
2. They had my license for over a week the first time I sent it and didn't bother to say anything until I kept calling. 
3. They seem to purposely incite anger and frustration so they can make excuses for their own mistakes and terrorism. 
4. They have my social security number, license number, address, card history and customer history. 
5. Letters to their CEO and other executives are ignored and/or " handled '' by the resolutions office to no avail. 

It appears that I myself have to contact law enforcement, the US Marshal 's Service (? ) and report this as a purposeful act to cause harm and emotional distress to an average citizen.
Hi, I am disputing the accelerated loan charges 10k ish in total, as we were only late as we assumed all along we would get the loan modification due to PNCs manipulation. We have a close date of XX/XX/XXXX in the house to pay back the entire balance and avoid foreclosure, and PNC is not working with us as they are trying to still proceed active foreclosure. We have a signed contract and will close as I said, XX/XX/XXXX with the loan balance being paid off.
XXXX collection agencies ( each saying they represent XXXX ) contacted me on the same date regarding the exact same account. XXXX by phone, the other by letter. Does the FDCP Act allow that? How am I supposed to know who to deal with? I dispute the charges to begin with. Is it my burden to dispute the matter with XXXX collection agencies? What if I settle with XXXX and the other keeps hounding me?
Earlier this year I applied for a Walmart Credit Card through Synchronicity Bank and was approved with a credit limit of {$1000.00}. Today I received a letter from Synchronicity Bank stating that my credit limit has been cut from {$1000.00} to {$250.00} ( which also happens to be the balance on the card ). Now I did have another account that had a delinquent payment, but that account was caught up and current the next month. So, yes my credit score had fallen a bit, however, another reason my score had fallen was because Synchronicity Bank decided to close an account through XXXX that I did n't ask for, did n't apply for and never used that had a {$0.00} balance. Because it was " closed by the creditor '' hurt my score. I have always paid significantly more than the minimum payment due and had no issues with my WalMart credit account. They cut my credit limit by 75 % using a score from 4 months ago and adding the insult " your score has likely not changed significantly since the date of this score ''. I searched the internet to find out what a significant change in my score would be and found out that an increase or decrease or XXXX is significant. Well, since the date of the score they used and basically saying that I would n't be able to raise my score.. I have increased my score by XXXX. I was so insulted by the actions by Syncronicity Bank that I called and cancelled my card only to be insulted by the customer service agent I was talking to. I decided to close this card before they used a credit score from 10 years ago to close the card and have another " closed by credit granter '' mark on my record.
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, XXXX XXXX
A credit card was opened using my credit information with a hard inquiry to my credit report with XXXX. I did not apply for the card. I received an alert from XXXX and discovered that the inquiry was from Barclays in Delaware. Then I received an email from Barclays congratulating me on choosing paperless billing for my new XXXX XXXX XXXX. I called Barclays security to report the fraudulent transaction. I told them that I did not apply for the card and asked them to close the account. They said that they would close the account and reverse the inquiry on my credit record. That was yesterday -XX/XX/2016. Today, XX/XX/2016, I received another email congratulating me on opening my new Barclays credit card. There have been no further alerts from XXXX.
Repeated denials for  XXXX    XXXX   cash checking account. The reason are stating Chex systems has something blocking an approval for their checking account. Chex systems customer service has stated their is no derogatory information and that I have a clear report.  XXXX   XXXX  stated to apply again and denied again for the same reason Chex systems. My risk from  XXXX  to  XXXX  is  XXXX , nearly a perfect score?! So something does n't make since in this.
I pulled a credit report on XX/XX/XXXX and noticed that Capital One is reporting late payments for XX/XX/XXXX-XX/XX/XXXX despite the fact that I was making my payments as agreed during these months and I was actually a part of a special program they offered at this time to get my account back in good standing. I  made all payments as agreed during this time. In XX/XX/XXXX I received an email thanking me for bringing my account up to date.I disputed these late payments with capital one on XX/XX/XXXX via their secure chat. Today XX/XX/XXXX I received a letter from Capital One stating that the information they are reporting is accurate and therefore they do not have to update anything with the credit bureaus. However, I have proof that I was making payments during this time. Clearly, I am not alledging never in my history making a late payment to capital one because clearly I have, but I do not want things reported incorrectly when I was making an effort to correct my past wrongs.
After XXXX 2015, TD Bank stopped detailing escrow activity on their mortgage statements. I called customer service and spent a great deal of time trying to recover this information for my own accounting purposes and was later told it was a " glitch '' in the system that has been going on " for a couple months. '' My understanding is that it is required by law for the lender to disclose this information on the monthly statement and the fact that I had to take additional time to procure it is not acceptable - especially after such an ample opportunity to resolve the " glitch. '' It matters a great deal to me because I was having trouble with the billing of my hazard insurance to the escrow after switching carriers and had no idea what had been paid out or when.