WillisBack/dataset-financial-user-claim huggingface dataset:
We recently sent a letter to XXXX and Trans Union, asking them to investigate errors on our credit report. They are supposed to respond within 30 days, but they have not. We are attaching a copy of the letter that we sent to them.
In XX/XX/XXXX, I went to XXXX and needed {$700.00} to fix my car. I did not have the funds to fix my car and the repair person gave me a referral to XXXX  XXXX. I called the phone number. I do not remember the person explaining that they were going to pull my credit report. but it was pulled. They wanted to give me a car title loan. I knew that I did not want a lien on my vehicle. 

I use XXXX XXXX and saw the hard inquiry on my credit report. I have been working with a local, non profit credit counselor and we discussed this hard inquiry. 

Later in XXXX, another hard inquiry from XXXX  XXXX  from XX/XX/XXXX. I definitely did not call or talk to them about this inquiry. In speaking with XXXX, the Branch Manager, at Eagle, he says that I called him. I did not. 

I was upset enough about the first hard inquiry in XX/XX/XXXX, I definitely did not contact them again in XX/XX/XXXX. XXXX also stated that the reason I called for the loan was due to BILLS. I do not need money for bills. 

I asked XXXX if he could go back and listen to the recording of these phone conversation and they do not have recordings of their conversations. 

Yes, I got phone calls and yes, I got letters. I did not contact them again once I found out that they wanted to put a lien on my old XXXX XXXX XXXX. 

I have disputed both hard inquiries through XXXX  and XXXX. XXXX took them off. XXXX  states that they stand due to XXXX XXXX  stating that I am the one that initiated these loans. I called the Branch Manager to see if he could assist me and he insists that I called in for the loan in XX/XX/XXXX. I know that I did not.
I tried to get a credit report on-line and went directly to the web site of Transunion, thinking I was asking for my once a year free report. I was filling out a form when it disappeared and I thought an error had occurred and I would try again another time, or that I 'd receive my credit report in the mail. ( I did not realize this was an on-line report. ) I did NOT receive ANYTHING from Transunion - no credit report, no confirmation of any 'service, ' and no confirmation of any charges. Upon receiving my credit card bill, a {$1.00} charge ( on XXXX/XXXX/16 ) and a {$19.00} charge ( on XXXX/XXXX/16 ) showed up. When I called Transunion to ask about these charges, the C S Rep informed me I had signed up for a credit monitoring service and the {$1.00} was for the sign up, and the {$19.00} was an on-going monthly charge. I asked why I would do that since I knew I could get one report a year, free, from each of the XXXX agencies. I informed her that I had received no confirmation of signing up for any service, nor had I received confirmation of any charges to me. She said she could cancel the monthly service, but that she could n't refund the charges already made. She also told me I should have gone to XXXX for my free report, but I told her I did n't know that. I told her I would deny the charges, but then decided I should also file a report to explain what happened. I 'm XXXX years young - I certainly do n't need my credit monitored at my age!
. Seterus reported late mortgage payments on my credit report that are not accurate. They have listed me as being late 30 days XX/XX/2017,XX/XX/2017 and XX/XX/2017 and 60 days late XX/XX/2017 ( I was 30 days late on the XX/XX/2017 payment ). Many payments were not credited to my account correctly. I have tried to dispute this though the credit bureaus, but was told that the information had been verified, but received no proof of this. This is damaging my credit score. I made on line payments and telephone within the grace periods, but these were not credited to my account in a timely manner.
On XXXX XXXX, 2017 we received an escrow review statement from our mortgage servicer, Wells Fargo. The statement showed that our escrow account was below the acceptable amount and that we either had to pay {$1400.00} upfront to bring our escrow account to the correct balance or our mortgage payment would increase from {$1700.00} to {$1800.00} a month. When we received this escrow review statement I called Wells Fargo the same day to figure out why it was increasing so much. The person I talked to said they will have to look into it and get back to me in a few days. On XX/XX/XXXX I received our closing disclosure and our account activity from Wells Fargo where they tried to explain the issue. From looking at the documents I was able to figure out the issue was they missed doing the initial escrow deposit on our account at the time we closed on our house. I was transferred to an customer service agent who could help me. On XX/XX/XXXX I again tried to call and figure out if they could correct the issue. I even brought in the person who was involved in the closing of our house from XXXX XXXX and she too told the Wells Fargo representative where the issue was. The person was unable to fix the issue and said they needed to look into it some more and would give me a call back. I never received a call back from them, but a call from XXXX XXXX on XX/XX/XXXX, he had helped me on a previous issue I had with Wells Fargo. I sent him all the information I had and he was able to get someone higher up, XXXX, to look at the account. On XX/XX/XXXX I asked for an update on the issue and I was told it was still being looked into and that multiple departments are working with this but they thought it would be resolved on Friday XX/XX/XXXX. Since that time I have received no new information and nothing about when or how this issue will be fixed and we are currently paying the {$1800.00} fr our mortgage.
We have been paying this loan for a year now and still have the same balance as we did when we began! We understand that there is interest but it seems grossly unfair that none of the payments we made have been applied to the principal. We got this loan during a very rough time and were told later that it is not really a " loan '' but a " pawn ''. We seek justice in this matter and would like to be released from this " pawn '' and for the debt to be considered satisfied as we have paid the loan off more than twice.
1 ) XXXX, XXXX : TransUnion account CLOSED on XXXX XXXX but showing Late payments to present time. Error is affecting my credit! 
2 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. Error is affecting my credit! 
3 ) XXXX : TransUnion account is OPEN. It should be CLOSED on XX/XX/XXXX. 
sTransUnion said they had in open investigation and it would be resolved on XX/XX/XXXX. Well it 's Monday XX/XX/XXXX and nothing has been done the error 's still appear on my credit report. 
Thank you!
Everyone have issue with Credit bureau I forbid the Credit bureau to follow, stalking or spy on me in any form or way, to gather information or anything about me. I have NO business with the Credit bureau and I don't owe them anything! They dare to steal and sale our information and lies about us!

I forbid the Credit bureau to use my name, identity, intellectual property, or anything belonging to me or my associates. I also require that they delete any information they may have about me or any of my relatives, any information, third parties or anyone else!

They have no right to deal with my life and business! They are database and personal information thieves!!!

I see them responsible for any damage that may or may be caused to me!

The Credit bureau are con artist who steal you identity, sale it and then try to sale you protraction from what they collect and steal from you!

I damned them to leave me alone, stop ruin people life with wrong information and stop using my private information!

I ask CFPB to use any enforcement authority and make them stop using my name, private info and ruin my life!
I just found that XXXX XXXX XXXX has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.
My account was credited with membership rewards points from purchases across 4 American Express charge cards ( Platinum, PRG, Business Gold, and Green ), however, American won't let me use it. On XX/XX/XXXX, I tried using my MR points by transferring XXXX points to XXXX which is a partner airline. The transaction was not successful and the message I got is that I am under spending review. I started a chat session with customer service and they informed that I just need to call the MR points customer service department to authorize the transfer. The MR customer service department was closed and have to wait the following day to call. 

On XX/XX/XXXX, I called the customer service number ( XXXX ) and spoke to a manager ( XXXX with employee ID XXXX ). He informed that I am under spending review and he is not capable of escalating or fixing the problem. I asked him why would MR points be credited to my account and won't let me use it? I don't understand the logic, I said. He said he does not know. At that point I asked him to transfer me to someone that has the authority to fix the problem on my account. He informed me that there's no way for him to transfer me to the proper authorities. 

All the purchases on the credit cards are all valid and eligible under American Express terms and agreement. I planned on using my points that I earned for my upcoming vacation.
I called ACC Temecula Home Loans to get information about the Section XXXX XXXX Home Loan. Their website says they are specialists in XXXX loans. I found out that they are not approved to offer the XXXX loan. When I called to ask questions about working for them and being a Loan officer they assured me I could offer this loan to clients. This just seems like false advertisement and bait and switch to me. This is not right for XXXX that want the XXXX XXXX loan.
I have filed multiple complaints against First American Title with the CFPB. The last complaint #  XXXX , First American failed to answer all of our questions truthfully and provide documentation as we requested. THIS IS NOT A DUPLACATE COMPLAINT! Per the CFPB directors office, if a company fails to answer all our questions or fails to provide documentation, we are allowed to file an additional complaint against the company until they respond accurately! We are currently exercising our rights to file an additional complaint against First American Title. We request that First American answers all of our questions truthfully and provide documentation! First ; First American stated in the previous complaint that the lenders instructions requested a copy of the Deed of Trust to be sent to the lender with the original being retained for recording. Does First American have the written instructions from   XXXX   XXXX   XXXX   collaborating your statement? If so, please provide the written statement from   XXXX   XXXX   XXXX  ! Second ; First American Title stated that they retained the original Deed of Trust for recording but sent the copies to   XXXX   XXXX   XXXX   prior to recording. Does First American Title have any additional records such as shipping and tracking information to prove that they sent our original Deed of Trust to   XXXX   XXXX   XXXX   after recording on  XXXX   XXXX  2006? If so, please provide documentation ( shipping information ) on the carrier that shipped this package to   XXXX   XXXX   XXXX   which contained the original Deed of Trust! Third ; please provide which carrier, date and tracking number used to send the original Deed of Trust to   XXXX   XXXX   XXXX  !
We are not harassing your company. We are seeking the truth and justice if any wrong doing has occurred. If First American provides the answers to our questions and provides the documentation that we seek, we will cease and desist all complaints. If First American fails to do so, these complaints will be provided to the District Court of Nevada in order to help identify any wrong doing and assist the State of Nevada to prosecute the person or persons that violated the laws.
The following unauthorized inquiries appear on my respective credit reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
This credit card company Capital One/Best Buy is reporting on my credit report {$2400.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].
We have been trying to get our loan modified since the beginning of XXXX. We have had to send in multiple applications because Citibank closed our original one before it was completed. On XXXX XXXX, 2017 we were told our application was under review. They have since been requesting information we have already provided them. They have not returned emails or been available for scheduled phone appointments. I finally talked to a supervisor today who was incredibly unhelpful and would not advise me on what they needed as far as a profit and loss statement on letter head. She said I would need to talk to an accountant. I told her we would be filing a complaint and she stated it would n't matter and they would tell us we need to provide more information. We are feeling very much at a loss on how to move forward.
XXXX  website has been broken for years and no one seems to fix it no matter how many reports one makes. This time they do not allow me to view the online dispute or corrected names of fraud that's on my report! They provided a contact number, '' We are sorry we can not correct this now you need to callXXXX ( XXXX ) XXXX-XXXX  '' and when dialing it it is at for memberships only that tells me how I could order services rather than repair my problems. 
email " Dear XXXX  XXXX, XXXX  has completed your dispute for Confirmation Number XXXX. 
View Now! You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX You have 30 days remaining to access the results of your dispute from our website ; you may not be able to obtain your results online if you do not access before XX/XX/2019. Thank you for giving XXXX  the opportunity to serve you! " Lastly, then it shows that the site can not identify and wants me to verify my identity. I'm going to write the WhiteHouse.gov and report this very same letter anybody 's interested in doing this please feel free and submit it to the president ; whether you like him or not he does act you have to admit and he actually looks at these problems this is federal government issues and it's been made peoples!
I am filing this complaint because XXXX, XXXX, Experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( A ) of the FCRA -they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
I lost my job last XXXX so I was unable to make payments on my Discover card. Several months later I was working a temporary job and Discover contacted me. I made several {$120.00} a month payments so my account would not go to collections. I was told after my 3 months of payments that I would go back to a once a month minimum payment. They told me that I would need to set it up on my own online. I asked are you sure you just ca n't take it out now and they said no we can not do that you have to go online and set it up yourself. Well on the XXXX month like clockwork I notice of withdrawal from my checking account of {$75.00} that I did not authorize through Discover. I quickly called Discover and explain to them that they should have not happen at this is their fault and they told me otherwise. They told me that it does come out of your account without you setting it up automatically which was the opposite of what I was told. I explained to her that I just wrote a check for rent which is all the money I have in my bank account and now that 's going to overdraft. She felt very bad and called my bank and told them if they could stop it but they could not as I could not bounce my rent check or I would be charged {$300.00} in late fees by my landlord. I was also told that of my account with overdraft that they would take care of it. What they did was they added {$55.00} to my Discover account but because I 'm overdue my limit I ca n't do anything with that money because I 'm overdue on my card. Every time I call them to ask for help they can not help me they say that they added money to my account which I need this money to get to and from work for gas and they do n't seem to care. I honestly do n't know what to do because every time I call they act like I 'm a criminal. All I tried to do was a good person and pay back my credit and I feel like I just got XXXX over. {$75.00} is a lot of money coming for me just described above months to get by to get caught up and they came and put {$34.00} back in my bank account for a mistake that they made.
We received a final lease assessment from US Bank for " excess wear and tear '' on the vehicle. I originally called the company on XX/XX/XXXX to appeal the assessment, as it was my view that the wear and tear met the definition " normal '' under the US Bank agreement. Several times I was hung up on. I was redirected to the voicemail of a supervisor who never return my calls. When I followed up with their end of lease department and asked to review the assessment with the supervisor, he agreed that of the original approximately {$800.00} in " excess wear '' charges, all but {$150.00} were unsupported to the photographic evidence and waived them. We continues to insist that the {$150.00} charge for scratches on the front bumper constitute excess wear, his contention being that the scratches referenced are greater than 4 '' in length. Unfortunately for US Bank, that is not the " excess wear '' policy we agree to when we signed our lease, and in fact, even their own end of term brochure describes excess wear as scratches that BREAK THE PAINT which are longer than 4 '' in length. The referenced scratches are surface scratches in the clearcoat that are easily buffed out ( which the US Bank guidance identifies as " normal wear ''. ) I am less concerned about my own situation than I am about what appears to be a systemic practice by US Bank to overcharge lease termination fees inconsistent with agreed legal contracts between the parties. As an informed consumer, I fully intend to have all inappropriate fees waived. I am concerned, though, that if I were not an informed consumer the bank would have taken advantage of my lack of knowledge to overcharge me nearly {$1000.00} in unsubstantiated lease termination fees which are inconsistent with the definitions of use agreed by BOTH parties at the commencement of the lease.
I get phone calls multiple times a week from Summit Recievables. They do n't know my name and they say they want to get information on a debt. My husband and I pay with cash except for our mortgage so I know I have no debt. I called them and asked that they put my number on their do not call list as I do not owe any debt. He asked for my name and I said you can see my number so look up my account associated with this number and you tell me who you are speaking with. He gave me a bunch of random names suggesting one was my husband and that he spoke to someone at this number last week. I told him that was n't my husbands name and he had n't spoken to anyone at my number. I asked him to put me on the do not call list as I had no debts to pay. The next week I got another call a female left a message. They never give a name. She told me she read a report on my account that put me in a negative light and that she wanted to give me a chance to defend myself before making her final report and recommendation. I did not respond. Then twice this week I have received messages saying it 's been some time since my last installment and it 's crucial I call and give them my information. I have never paid any money for debt collection and I do not know the people he said and told him they were not associated with my number. They keep leaving me a message to call XXXX.
I took out a payday loan years back and then defaulted because I lost my job. Never received calls or mail from them indicating that I owe an amount, now I am getting calls constantly from a company called Integrated Services and they are RUDE, NASTY, UNPROFESSIONAL and they call me 7 to 8 times a day. I have asked them as well as told them that one they have spoke with me, they are not to call me anymore and they still do. I have tried to block the numbers that are calling me but they have so many it is too hard. I also called the original debt collector and they indicated that they do not have any of their people or collection companies call out, it is all done
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XX/XX/1967. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX