WillisBack/dataset-financial-user-claim huggingface dataset:
Had a letter in the mail last year to pay my debt for midland credit they gave me  XXXX  options to pay my dept of I choose option  three monthly payments as low as {$50.00} a month and that was going to be for six  months. I did that set everything up automatically. But after that never got any letter from them with any updates or any other information. So I thought that this was going to be clear but now I 'm finding out that it 's hurting my credit and I want to clear this up. Thank you marielle ashby
A representative from Wells Fargo keeps calling my fiance ' claiming I am delinquent on a pay day loan and opened in 2011 and if I do not pay they are garnishing my wages. They have my social security number, date of birth, address, job information and my fiance 's information and phone number. I never opened a payday loan ever in my life. I do not know if this is one of those fake accounts wells fargo created. I wish to be compensated for harassment, ruining my credit and fraudulent use of confidential information.
I have sent 4 request for transunion to verify in accurate accounts on my consumer report I asked for them to send me documentation they have in their files that they used to verify these accounts ( FAIR CREDIT REPORTING ACT, 15 U.S.C - 1681g ) I have not received any response from Transunion regarding these accounts. I have asked for them to send me the documents and not to just send that they have been verified I would like documentation that show this and if not documentation is not there to immediately delete them under section 611 ( a ) ( 5 ) ( A ) ( I )
I called the customer service number XXXX XXXX XXXX XXXX on the back of the credit card and spoke to a customer service representative named XXXX at XXXX XXXX. on Monday, XX/XX/XXXX. I informed her that I did not request a credit card and I wanted to make sure there was no account in my name. She asked for the credit card number, which I gave her. She then asked for the last 4 numbers of my social security number, which I did not give her. She said that she could not close the account without that information. Since I never opened an account, there should not even be an account associated with my name. 

I received a second unsolicited communication from XXXX XXXX today ( dated XXXX XX/XX/2018 ) providing additional encouragement to use this card, which I did not request.
Paid off the mortgage with a bank certified ck. in the amount of XXXX onXX/XX/2018. Ck # XXXX from Bank of XXXX County, Tn for Acct. # XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, Ca XXXX. Have made ( 4 ) calls attempting to get my Registration for the Vehicle. I think they should have been able in 2 months to get a simple job done. 
I appreciate your time. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Tn XXXX Phone ( XXXX ) XXXX EMail XXXX XXXX
XXXX XXXX, XXXX # XXXX gave me a pre-approval letter. I never communicated with XXXX XXXX. My real estate agent did all the communications with XXXX XXXX. I found out later that my real estate agent is a con. I just realized that XXXX XXXX  and my real estate agent connived in producing a fake pre-approval letter to make me believe that I have no problem buying a house.
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I do not know anything about buying a house. I trusted my real estate agent. I believe XXXX XXXX was paid by my real estate agent to have the pre-approval letter. I do n't even know that I should be given TILA-RESPA Integrated Disclosures ( TRID ). XXXX XXXX should be fined and his license should be cancelled. My real estate agent is now washing her hands and she is claiming that she does not know anything about loans and XXXX XXXX did that on his own. Please investigate XXXX XXXX and find out how did he write a glowing pre-approval letter without a loan application.
On   XX/XX/17   at  XXXX  I have made a check deposit on a new  Joint accoun t I opened with  Citibank ( Regular checking  -  XXXX  ). The next day when I wanted to make a transaction my account was blocked. I went to  Citibank downt own  XXXX  CT and was told there was a problem with  one the  checks and that I have to call. I have call ed Citibank  on   X/X/17  a nd was tol d   XXXX   XXXX   h as put a hold on that check. They block the account, not the amount on the check. I then call the individual that sent me the check to inform him of the situation, he went to a branch where he was informed there is no hold on his check. Even with no hold on the check  Citibank will   not unblock my account before  10 b usiness days! Say that I borrowed the money because I had an emergency??
XXXX is attempting to collect a debt from me that I never establish a contract with this company nor do I owe any money to this company they are violating the FCRA and placed negative reporting on both my XXXX and XXXX reports for amounts of XXXX and XXXX. This debt is not collectable. These student loans were consolidated and I was never late.
XXXX XXXX Opened XX/XX/2018 {$150.00} Original creditor : 11 XXXX Was settled with original creditor, and TransUnion will not remove it ... yet XXXX and XXXX has ... 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all  information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
I had an account in collections with Capital One with was sold to XXXX XXXX ... I have since paid XXXX XXXX the debt almost 1 year about and last XXXX XXXX Funding has now been placed on my credit report to try and collect for this debit yet again. I have tried several attempts to have them removed by calling them, sending them letters and also contacting the credit report agencies.
XXXX allowed my information to be stolen from them. At this time, I am unable to secure a freeze on either XXXX XXXX and experian. All 3 agencies are timing out, hanging up or otherwise not able to complete my request for a credit freeze. In addition, I experian charged my bank acocunt XXXX for a freeze that they did not and could not apply to my credit report. So, I was charged XXXX dollars for a service I did n't receive.
I have a loan with LENDINGCLUB CORPORAT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and LENDINGCLUB CORPORAT with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
My lXXXX school loan was serviced by ACS for four years and the website now directs me to login to Conduent, the new servicer. On XX/XX/XXXX, I received an email from ACS/ Conduent, which I attached below, indicating there would be no changes in how I login or make payments. However, I have been unable to login for weeks. The " new '' Conduent website recognizes my username and password but has been giving me an error message that the " service [ I ] just requested is unavailable '' so I am unable to login and make a payment on time. While Conduent seems to recognize my account ( because it recognizes my username and password AND when I tried to make a new account to see if that was the problem, it said my account already existed ), it also does not recognize my social security number and claims there is no account associated with that number. 
Conduent purchased my loan and is not allowing me to make a payment at all, let alone on time. I can not email them a question because it requires an account number, which they do not recognize, and I have been unable to reach an actual person on the phone ever since I first tried on XX/XX/XXXX and have called everyday since ( now XX/XX/XXXX ). 
I have seen numerous recent complaints about this online with people having the exact same problem.
Banco Popular de Puerto RicoMortgageDespite being completely up to date, this bank has been harassing me since XXXX 2015, every month by calling on the 1st, 2nd and 3rd day of each month to pressure me to pay and when they can expect payment. I repeat, the mortgage is not in arrears or default, it is completely up to date.
This company throws every possible obstacle at consumers requesting their report so they are forced to go with purchasing one. While I could easily get my report from XXXX and XXXX and just as easily dispute with them certain items, it was impossible to do so with TransUnion. Yet, all of the alleged issues preventing one from getting their free report or filing a dispute will magically disappear as soon as one show interest in purchasing his/her report. This amounts to coercive attempts on their part to gain business, especially when one is in need of utilizing a line of credit or mortgage. XXXX T.
Citibank did not pay an offered {$400.00} Checking Bonus despite the fact that all requirements of the public promotion were satisfied. 
I opened a Citibank Account checking package using a public promotion XXXX on XX/XX/XXXX. The promotion offer states that I should get a bonus {$400.00} after I satisfy the requirements of the promotion. After I opened the Citibank Account package, I received a positive confirmation ( attached XXXX ) from the bank that I am eligible for the promotion. 
According to conditions of the promotion ( attached XXXX ), I should get {$400.00} on XX/XX/XXXX ( " XXXX days from the date of the qualifying transaction '' ). I deposited {$15000.00} on XX/XX/XXXX ( attached statement XXXX ) and kept on the account more than {$15000.00} until XX/XX/XXXX and more than {$10000.00} until XX/XX/XXXX ( attached XXXX ). 
However, as of today, I have not received the bonus offered by Citibank. 
I raised an investigation on XX/XX/XXXX with Citibank and received a response ( attached XXXX ) that " Our records indicate you have qualified for the above offer. Unfortunately, the above account is not XXXX certified. '' and " Once your account is certified, the financial center can submit a follow up investigation. '' I provided the additional documents to the bank and my account was XXXX certified on XX/XX/XXXX. I had an online chat with a bank representative on XX/XX/XXXX ( attached XXXX ). He wrote, " XX/XX/XXXX there was a note placed on your account that XXXX is certified '' and opened an additional investigation case XXXX and he wrote me that I would " receive a response within XXXX business days which is no later than XX/XX/XXXX ''. However, I have not received an expected response from the bank so far.
I am in the process of selling my home and purchasing a new home. My current home is financed through OCWEN and the sale is scheduled to close on XXXX XXXX. I missed the XXXX 2016 payment and paid it, along with the XX/XX/XXXX payment and the late fee, on XXXX XXXX. OCWEN reported this as a late payment in XX/XX/XXXX, with the account being 30 days delinquent. The lender for my new loan denied my mortgage because of the late payment reporting by OCWEN. Because this was the only time in my near nine-year history of this mortgage that the account was in delinquency status, I requested that XXXX waive the late reporting and was informed that this is impossible because it was not legal to do so. My attorney then contacted OCWEN and requested that they provide a goodwill adjustment, which is a legal withdrawal of a late reporting. They again refused to do so. Their refusal to help a customer who has only had one late payment in almost 9 years caused me to be denied by the lender for my new home purchase. Due to the terms of the sale of my first home, I must vacate that property by XXXX XXXX. I attempted to see if OCWEN would approve me for a new home loan since I can not get approved for a loan elsewhere, and I was referred to their new loan division, Homeward. Homeward informed me that they are currently not writing loans for new home purchases. This leaves me with no home, as I can not purchase a new one, so my boyfriend, XXXX children, and I have nowhere to go. I recognize that I am the one who failed to pay the XX/XX/XXXX mortgage payment, but as I have now paid it and paid the late fee, I feel that I have done my part to make it right. Additionally, the entire mortgage will be paid off in full in six days. I feel that one late payment is not cause for a punishment of a poor credit reporting that results in my denial of a home loan and not being able to buy a new home.
I received a collection letter in the amount of XXXX from XXXX XXXX XXXX. I called XXXX XXXX XXXX and they referred me to XXXX. I spoke to XXXX and sent them the supporting documentation via email @ XXXX and postal mail to XXXX XXXX XXXX XXXX with no response. I then pulled a copy of my credit report and they sent my collection to another XXXX XXXX XXXX XXXX XXXX who has yet to contact me or respond to my supporting documentation. 

The account reported in the amount o f {$530.00} as of XXXX/XXXX/XXXX is NOT MINE. I did not sign the contract. The renter signed the contract and is responsible for the account. Please see the attached lease agreement that also matches the XXXX contract name and contact phone number. 

XXXX XXXX XXXX
This company ( Michael and Associates, PC ), They continue to harass me about an alleged debt that was a result of fraud and identity theft. I gave them a copy of a police report as well as a notarized and sworn statement. They still are attempting to file false claims after they got everything that they needed from me. This is illegal and against the FCRA and also the truth in lending act. They need to be stopped.
I received an email from this company stating that my loan has been approved and processed. I also received a phone call but never spoke with anyone. I have not applied for a loan at Cash Central out of Utah. Since this happened I pulled my credit reports and see where they have checked my credit in the past as well. I have never had any association with this company. I was able to go online and pull my so called information. They have my social security number and drivers license number correct but nothing else is correct other then they have a relatives contact information that they will harassed for payment. I have tried to research this company online and it appears that others have had similar issues as me. This company is doing illegal phishing into people 's lives and personal information then processing loans without our knowledge or consent.
DISPUTED ACCOUNTS : Brclysbankde Inquiry from XX/XX/XXXX Bank Brclysbankde Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Regards,
1. I opened a mortgage, savings, and checking account with Bank of America in XXXX 2. At that time there were no fees for the accounts I opened. They were very simple accounts. 
3. At some point, I remember XXXX - they changed my accounts to a higher level but it carried fees 4. I called them about those fees and they said do n't worry, you 'll be covered. 
5. I paid off my mortgage in XXXX. Checking my accounts I find they charged me repeated fees in XXXX, XXXX, and XXXX. 
7. I called Bank of America to get those fees reversed because their representatives had told me the fees would not occur anymore. Spoke with XXXX ( Rep, no employee ID ) and XXXX ( Manager, employee number XXXX ). They were unwilling to reverse the fees so I asked to speak to XXXX 's boss - XXXX. 
8. I closed my accounts with Bank of America because I feel it is dishonest to charge for reason of an upcharged account I never asked for to begin with.
Refusal of Mortgage Company to reduce monthlyPayment due to lower property taxes. 
My property taxes are {$760.00} per the enclosed bill. 
Real estate taxes from PNC show {$1700.00}
Hello, My case number if XXXX am XXXX XXXX XXXX XXXX, XXXX could not find a tab to follow up on the case number above. 
I did not dispute the outcome because Nationstar said they would move forward with the foreclosure on my house at XXXX XXXX XXXX, XXXX, NJ. They said they would do this in a letter addressed to my attorney ( they never did send the letter to him ). I forwarded the letter on to my attorney. I have not heard from them once since XXXX, nor has my attorney. Can you please help me with this? 
This has been going on since XXXX of 2009. The house was destroyed in XXXX XXXX, Thank You, XXXX
I asked for a 'Hearing ' and they made a determination without including me in the 'Hearing ' itself. They are adding all sorts of late fees and other charges to this account which I feel is fraudulent. I sent this company documentation which they didn't receive even half of what i sent, which i sent to them via XXXX XXXX and I have a record of this. Is there no statue of limitations on a student loan which I got absolutely NOTHING out of but more bad credit and threats. This story goes on and would like to start from the beginning but will wait for response first.
CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report.FTC ID  Theft Report # XXXX
I have disputed with all XXXX Bureau 's about Hard Inquiry on my credit report and was told that they can not remove them and that I needed to contact the institutions and that the institutions needed to send a letter to each Bureau to have them removed. I did what each Bureau told me to do. It took me a week to get any type of answers from each creditor. The Creditors were suppose to send a letter to the each Bureau to have it removed. I waited a month and the inquiries are still on my credit report. I contacted all XXXX Bureau 's and they are still refusing to remove them even after I contacted the Creditors to have them remove them. I am not sure what else to do.
I properly disputed an invalid obsolete account XXXX times and the account is over 7 years old and Experian refused to properly investigate or delete. Please see attached.
To whom it my concern : My name is XXXX XXXX XXXX, I have FHA Loan with PNC Mortgage, Loan # XXXX and I have a complain the way PNC is handling my situation and the way how they have been treating me. XXXX years ago I was in a crisis I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked XXXX XXXX XXXX for help asking for a Loan Modification program or any other relief available. It is very hard to deal with PNC because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by XXXX many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past XXXX years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from PNC, I am frustrated and XXXX and I feel PNC is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to PNC to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I am American Citizen and I 'm wondering if PNC does n't want to help me because my name is XXXX XXXX XXXX and I am XXXX I feel discriminated by PNC. 

XXXX published on XXXX/XXXX/XXXX " PNC former employees : We were told to lie '' the article is based on employees of PNC routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX XXXX
I opened a dispute with Equifax in reference to a 60/90 late payment that that was provided by XXXX XXXX XXXX. I exercised my rights provided by The Fair Debt Collection Practice Act and requested Equifax to provide me with the proof of agreement that binds me to this account and a competent accounting of the dates of payments to support being legally reported to my credit report. Well Equifax accepted a teletype response from XXXX XXXX XXXX that they verified this account belongs to me. No documents, No signature, No accounting of dates to reflect when payments were received and deemed 60/90 days late. Im requesting Equifax to validate claims with supporting documents. Not verify name, address, and social security #. What im requesting of Equifax can't completed with a teletype.
My job received a wage garnish for a debt they faxed me over a copy it has someone else 's social security number on it so I wrote a letter to the company requesting proof of debt in XXXX 2017 and still have not received anything but they sent another letter to my job today I did ask for all communication to be in writing and still they wo n't tell me what the debt is for
On XX/XX/2018 I contacted SB & C, Ltd. was referred to XXXX? and asked for verification of amount I owed. Twice she refused, said a letter was in the mail and would not verify the amount. This woman was aggressive in her tone and condescending. I told her I had not raised my voice to her and that she was being rude. The Lady hung up on me. Recently XX/XX/XXXX the judge had reduced my LFO and sent it back to collections. In the 7 years that this company has held my account, I received two letters, one on XX/XX/2018 and XX/XX/2018. Until 2018 I was unaware this company had an account for me.The interest charges on this account are being disputed. This lady has the ability to spin someones life out of control with her attitude. I have the right to be treated fairly.
Upon reviewing my credit report I noted an XXXX credit card on my account that I have no recollection of opening. I submitted a dispute with the Reporting Bureau XXXX and it came back verified. I mailed a certified letter to XXXX on XXXX XXXX asking for validation of this debt and just received a response letter from them on XXXX XXXX. Their letter stated the following : The contract date was XXXX XXXX and there was a payment in the amount of {$50.00} in XX/XX/XXXX and the date of first delinquency was XXXX XXXX. They also stated it was sold to a collection agency called XXXX XXXX in XXXX XXXX. They also noted that they sent my recent correspondence to XXXX. They also reviewed the reporting and stated in their letter that they were inaccurately reporting to XXXX and would update my report. Per my letter requesting validation of this debt they have failed to provide my any evidence that this account is mine. I wish to have this inaccurate information removed from all XXXX credit Bureaus