WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a letter to XXXX XXXX XXXX, XXXX regarding account # [ XXXX ] requesting validation of this account reported on my XXXX credit report, which is made pursuant to the Fair Debt Collection Practices Act. 

Upon further investigation, I have retained new copies of my credit reports and noticed that XXXX did not furnish the credit bureaus with the required disclosure, within the period required by law. Federal law requires XXXX to place a notice of dispute on my account within 30 days of my dispute, which they signed for on [ XXXX/XXXX/XXXX ] I have a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports on XXXX/XXXX/XXXX, showing that XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
All 3 of my credit reports have been exposed and breached and the federal and private loan officerso like XXXX XXXX is reporting inaccurate information on my report showing delinquent when I have not graduate from school just yet. This is causing issues for my lively hood.
I 've been blacklisted with Chase for no reason. Now, when I apply for credit, I get automatically denied. I have no recourse as to how I can rectify this with them. I feel this is discrimination as I did nothing wrong. I was never late on any payments. I always paid my cards on time. I was approved for every card that was issued to me. Then one day they closed all my accounts and have blacklisted me since. There was no reason given.
I have a bank of America credit card with a XXXX credit limit. 

I made a payment online of {$4500.00}, but I accidentally typed {$45000.00}. 

BoA let the payment go through ( which seems crazy - what if i typed in $ XXXX ). 

Oh well, my bad. This overdrew my checking account by approximately {$40000.00}. I immediately called BoA and told them cancel the payment and send the money back. They said they " sent the money back '' to my checking account. The credit showed up min my bank the next day. All was good. 

A day later, BoA AGAIN debited my account for {$45000.00}. when I called BoA the second time, they said that they are have to run it twice and that they will not stop trying to clear the {$45000.00} from my account. 

This was news to me. The first time I spoke with BoA they they DID NOT tell me that they would try to run it again. If they did, i would have put a " stop pay '' on it with my bank. 

I spoke with XXXX at Bank of America on XXXX around XXXX AST. 

Be careful paying your bills online with Bank of America. Their system is flawed and does n't ' have you review the amount you are paying. And if you enter the wrong amount, they will not actually let you correct it - they will lie to you and tell you it 's corrected, but then they say " oops, sorry the person you spoke with last time told you that. There is nothing we can do. '' I think they did this to encourage me to open a checking account at BoA.
I have been paying back my Wells Fargo student loans since XXXX. When my parents who had consigned the loans filed for bankruptcy they excluded the student loans. I have paid on time. Also over the amount due when I can. They stopped sending paper statements after the bankruptcy started and stated I could still access my account online. For the past several years that has not been a problem until XXXX of XXXX. They then stopped allowing account information to be viewed online due to a new policy. The account is not in default. When talking to multiple people no one could tell me about this new policy and could not give access to the account. I now have to make phone payments and can not receive any statement to know where the payment is going, how it is applied or new balances without waiting to talk to a representative. I just want to have access to the online account so I can ensure payments are being applied correctly or to receive either electronic receipt or paper receipt of payments.
There have been multiple times I was put on forebarance. Even while I was in school. They reported negative items on both mine and my co-signer 's credit reports and told us that she was still responsible for making payments even though the loan was in forebarance. I have made extra payments multiple times that just extend to the next due date rather than paying towards the principle. I have called and mailed letters to Navient, now I am working with a credit recovery company and they are still not responding.
I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with TransUnion and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Mailed a dispute to equifax n XXXX received notice today that they were not going to do a reinvestigation due to I have not provided any relevant new information to warrant them to do a reinvestigation. However in the letter I sent to equifax I pointed out there are several social security numbers showing on m y credit report, that donot belong to me. The accounts that I disputed are not related to my social security number : XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX bankruptcy XXXX bankruptcy XXXX
Freedom Mortgage, the company that currently holds the note on my primary residence, sent me a letter in XXXX 2016 indicating that I could refinance my primary residence for free. I took them up on the offer, and began the process. Now, more than 3 months later, they have still not finished the refinance, they continue to ask for meaningless information, and have increased the amount owed at closing to over {$2000.00}. Freedom has not done their due diligence to complete my refinance on time. In addition, they have displayed a gross lack of integrity by getting me to begin the process by offering a " free '' refinance, and then increasing the amount of cash required at closing to over two-thousand dollars. That is called a bait-and-switch scheme. They have also not adjusted the term of the new loan over these past three months, even though I have been paying my mortgage. That means they are illegally increasing the term of the loan. Their complete lack of integrity, fiscal responsibility, customer service, and due diligence thus far has been more than disappointing ; it is criminal.
I been asking XXXX, XXXX and Portfolio Recovery to validate the account from Portfolio Recovery since XX/XX/XXXX And every time they come back saying the account is verified and accurate. In XX/XX/XXXX they sent me my investigation saying it was verified and accurate once again but I have highlighted the proof that the account is reporting wrong. The original creditor XXXX had written off {$1000.00} but Portfolio Recovery has been reporting {$1000.00} and also been reporting false balances. Every time each credit agency says verified the information is still not accurate. This account needs to be removed immediately
XXXX XXXX XXXX collection XXXX XXXX, 2015 {$220.00} disputed over the phone and mailed in information
On XX/XX/XXXX, I sent an investigation request to XXXX  and Trans Union. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.
I have made several attempts for Cavalry Portfolio Services LLC to remove incorrect debt posted to the credit reporting agencies. They have failed to acknowledge correspondence and continue to submit debt validity and not show proof that debt was paid directly to original creditor when I refinanced my home. XXXX lost/never cashed check. I tried to request that they waive penalty fees and they refused. XXXX XXXX XXXX sent a settlement letter which was again paid by escrow company. Check was cashed by XXXX XXXX and I shouldn't be punished for their error. 

This issue has been going on for two years and is causing me financial harm.
XXXX continues to report erroneous information on my credit report and will not allow my dispute to be processed. Transunion has removed these accounts as they were deemed fraudulent. XXXX has violated the FCRA by continuing to have this information on my report remain. The following accounts are not mine and no proof has been provided to show they are my accounts : XXXX XXXX # XXXX**** XXXX # XXXX XXXX XXXX XXXX # XXXXxxxx
Visio Financial was a present lender who has been payoff by XXXX XXXX see attached complaint number against XXXX XXXX Visio Financial has not assist my new lender in getting Visio Financial lien off my property. The XXXX XXXX '' still has a paid lien on by property, so this does n't allow me to sell my property without paying them twice. Visio Financial assisted I speak with XXXX loan Servicer ( see attached complaint made against XXXX ) XXXX has put late fee on my account that never happened, XXXX, owe me XXXX on the closing of Visio Financial balance due was XXXX + XXXX ( in escrow ) payoff showed XXXX approximate I the borrower ask Visio Financial to confirm and correct XXXX payoff balance, it was refused, Visio Financial said " see CLEAR SPRING ''
I have sent letters requesting company to validate not verify this account and i have recieved no response.
In contacting all three credit bureaus in order to place a Freeze on my credit profile, all three have blocking methods, or asking for {$10.00} in order to do so. XXXX simply stopped me from initiating a security freeze, and makes it impossible to email or call for assistance. Trans Union is the same way, asking for credit card information and {$10.00} but no link to contact, just a loop of FAQs. XXXX also asks for {$10.00} and my credit card information. I have a security alert on all three bureaus however there are still several inquiries that have occurred and are newly placed on these bureaus so it is not benefitting me or any other consumer. I provided the police report and agency information to all three bureaus, and still they refuse to place my credit on freeze unless I pay. That is completely unfair since XXXX 's breach started this in the first place. There are still issues with XXXX not removing inquiries even when I received letters from XXXX  and the disputed companies that the inquiries would be removed.
Bank of America Mortgage Loan # XXXX The lack of processing of our loan has thrown us into default within the terms of the Purchase Agreement. Due to my husbands future ( retirement ~ date unknown at this time ) I was told he would need to be removed from the loan application because he would not have the wherewithal to meet his financial commitments if he retires. When we applied for the loan our birth dates were stated ~ retirement is a fact of life as is XXXX. I retired XX/XX/XXXX with a reasonable pension from XXXX. We paid for an appraisal ( {$560.00}? ) which was completed and requested the appraisal be sent to us so that we could use it elsewhere. That has not occurred. Most importantly, we requested a letter stating the approval or the denial of our loan, which as of today 's date XX/XX/XXXX has not been received. We have pending damages if we fail to close on XX/XX/XXXX. Only personal note is that my credit score is XXXX and we are creditworthy applicants.
I have applied and got approved for a loan. I did not expect the fees to be that high. They are charging me over {$1500.00} for a {$450.00} dollar loan. Each month they pull out about {$110.00} in fees. 

I have paid off my amount for the {$450.00} and more, to have fees this high has left me more in debt and they take advantage of that. I am being threatened fees if I do not pay. 


They have taken payments out each month for {$110.00} starting since XXXX. They took two payments out monthly. They are considered a sovereign nation and are a tribe doing the loans. I believe they are unlicensed. I am trying to get the fees I have paid back due to outrageous amounts.
Attended University of XXXX for two years. The university charges roughly XXXX a quarter. I requested loans through XXXX XXXX which is now bought out by Navient. Instead of charging interest on the whole amount, they charged each quarter as an individual loan and taxed 9 % interest on each. I also have a loan through XXXX XXXX XXXX 's which is not near as bad as XXXX XXXX. They allowed us to pay interest only payments but it still added up to XXXX just for interest. Now we are paying full amount of XXXX. We are XXXX military. My husband has been XXXX. His name is not on this loan but it greatly prohibits are finances and we are unable to visit family or live comfortably as a military family.
I called TSI again today and they claim that CFPB never sent them any information regarding my account. However, I have included documents.
I was made aware of not  XXXX , but  XXXX  (   XXXX     XXXX   and again in early   XXXX   deleted EVERYONE 'S TransUnion Inquiries ) and in  XX/XX/XXXX    XXXX   ) computer glitches that was TransUnion 's and   XXXX   XXXX   problem - not mine - caused inquiries to be deleted and/or We have recently updated our system to provide our customers with an even more accur ate    XXXX   XXXX   XXXX    and Score, it said. Because of this, some people may notice some information on their   XXXX   XXXX   XXXX   that they didnt see before..TransUnion and  XXXX  later added/re added them all ( back ) onto my credit report without giving me the legally required written notice 5 days prior to them being re-added. I have contacted TransUnion and   XXXX   in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries have added a hardship and my rights were violated by TransUnion and  XXXX . Please, help me to make TransUnion and  XXXX  stop victimizing me. I ask that a resolution of all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
I noticed a debt listed as a hospital bill for {$360.00} on my credit report. I contacted the company listed as owning the debt, to dispute it, as I knew the debt did not belong to me. The company listed as debt owner was  Mitchell D. Bluhm & Associates  -  XXXX   XXXX . The date of the account being opened was  XXXX / XXXX /   2016. I kno w for a fact, that I did not receive the services being billed.  Mitchell D. Bluhm informed me that if I made a full payment, the debt would be cl osed and deleted from my report. Due to me not owing the debt to begin with I refused to make a payment.  Mitchell D. Bluhm & Associates  is violating the Fair Credit Reporting Act, by continuing to report a debt on my report, after being informed that the alleged debt is in dispute, I feel that the company is attempting to extort, money from me that I do not owe.
I get multiple repeat calls about the money that is owed DAILY. once I finally come around to scheduling a payment, all is well. Now when I try to get BACK in contact with them to change a payment date due to being in the middle of transitioning jobs, I get no call back or responses. I have called three times on three separate days and left two voice messages about my case and nothing. Now I'm going to be over drawn in my account resulting in a late rent and backing up other important bills including groceries for my family. I am very upset and scared. I tried to do the right thing and this is what I get.
Jcp has joint account I never sign for in my divorse it says he responsibility of own accoutnts
Trans Union reports my employer as XXXX XXXX. I have never even HEARD of this company.
Penny Mac had a website with an invalid security certificate, exposing customer social security numbers to theft, fraud, phishing, and interception every time they log in. They ignore complaints and refuse to update their website security and are recklessly exposing customers to identify theft. I want them prosecuted or sued for malfeasance and gross negligence leading to violations of consumer privacy.
I have made multiple attempts to get this resolved with  Ally Financial  previously  GMAC. They  have removed the item and then it reappears on my credit report sporadically. The vehicle was turned in on-ti me in XX/XX/XXXX .      O n  XX/XX/XXXX   @   XXXX   XXXX  . I contacted  GMAC an d the  XXXX   XXXX  corporations about this opportunity.     I later reviewed my credit report and to my dismay o n  XX/XX/XXXX   @   XXXX   XXXX  . I reached out to  GMAC /  XXXX   to attempt to resolve.     O n   XXXX   XXXX   XXXX   ;   XXXX   XXXX  the President and CEO  of GMAC was contacted and claims to have attempted to reach me of  which I received an email after providin g four contact n umbers of which to reach me. Email was sent to  XXXX  XXXX  XXXX
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of this. XXXX XXXX XXXX and XXXX XXXX XXXX
CityWorth Mortgage refuse to give or sign the release form for my apprasial I have sent a formal letter of request which is enclosed in the documents and this company refuse to do it.
I have written Transunion three times in reference to removing inaccurate information from my credit report. They have not removed any of the requested accounts and have responded back each time telling me that they have verified the information without provided me with any physical proof or verification. This completely violating the law in accordance with the Federal Credit Reporting Act.
I transferred XXXX XXXX to coinbase dated XXXX/XXXX/XXXX and the money is still not available as per promised. please help in resolving this. 

email : XXXXXXXXXXXX company : coinbase / XXXX
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Il XXXX On XX/XX/2018 XXXX XXXX XXXX send me a letter I owe them XXXX ... ..So send them a letter on XX/XX/2018 saying I have no knowldge of this debt before 30 days after there letter was send out ... .180 days later the debt was reporting on cedit report that I owe XXXX which is the wrong amount ... ... Now on XX/XX/82018 I send a dispute letter to them on what I seen on my credit report 45 days no reply ....
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted the 30-day late payment.
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.
I continue to get what I would consider misleading solicitations from XXXX XXXX for me to get a debt consolidation loan, it claims I am pre-qualified for 1K to 50K and I can check for my rates without impacting my credit report. Every time I get one of these I go in and try only to get declined after they check what rate I would qualify for. If this company is going to continue to decline me why send these pre-qualified solicitations to begin with. I think it is completely deceptive advertising and I really wish they would stop with the solicitations when they obviously have no intention of extending me credit.
I AM TRYING TO COMPLETE A SHORT SALE TRANSACTION IN ORDER TO AVOID FORECLOSURE. MY SERVICER, NATIONSTAR, HAS A WELL KNOWN REPUTATION FOR CREATING OBSTACLES IN THE SHORT SALE PROCESS. THEY REQUIRE BUYERS TO PLACE OFFERS ON A WEBSITE KNOWN AS XXXX OR XXXX. I HAVE A BUYER WHO PRESENTED ME A BONA FIDE OFFER PRIOR TO THE AUCTION DATE AND I ACCEPTED THE OFFER. NATIONSTAR MADE THE UNLAWFUL DEMAND THAT MY BUYER PLACE THE SAME OFFER ON XXXX OF THE AFOREMENTIONED WEBSITES AND PAY AN ADDITIONAL 5 % PREMIUM - INCREASING THE ACCEPTED PURCHASE PRICE BY 5 %. PRIOR TO THE AUCTION ON XXXX XXXX, 2015, NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT " THE FILE IS BEING REFERRED TO XXXX... '' A FEW DAYS LATER NATIONSTAR ANNOUNCED " THIS FILE IS NOT WITH XXXX... THEY ARE IN THE PROCESS OF GETTING THE PROPERTY READY FOR THEIR SITE. '' NATIONSTAR CREATED DELAYS AND OBSTACLES WITH THIS BACK AND FORTH. FURTHERMORE, ON XXXX XXXX, 2015 NATIONSTAR INFORMED MY REAL ESTATE AGENT THAT THE BUYER THAT THE AGENT MARKETED AND FOUND WAS THE WINNING BUYER OR BIDDER. A FEW DAYS LATER THEY CHANGED THEIR MINDS. PLEASE SEE ATTACHED COPIES OF EMAILS TO DOCUMENT THE CLOWN-LIKE BEHAVIOR AT NATIONSTAR.
XXXX XXXX  year of male seeking a reduced apartment community. Needed a one bedroom apartment in XXXX zip code area. Was refused the apartment on a credit report. Only two accounts out of eight were delinquent. Both medical accounts and were dated XX/XX/14 when I was trying to get XXXX which took 3 years. Those 3 years I was unable to work and had no earnings to pay the bills. I had no idea I was delinquent on paying the medical bills. One was a bill from XX/XX/2014 with a past due of {$73.00}. The other was a bill from 2014 with a past due of {$100.00}. I've never had any convictions or driving accidents since I was in my XXXX 's. I lost an apartment because of this report. I plan to pay the {$170.00} now that I know I owe that much. It feels very unfair that I can not get a low income apartment because of this report. I'm back on a waiting list and will have to live with my XXXX XXXX XXXX parents who supported me when I had no money coming in. The report came from ONLINE Information Services, XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX XXXX
open judgements being investagated since 2011 sill in pending stausnot completedall judgements dismissed with courts
I contacted AES in order to remove my cosigner from my private student loan from XXXX. I was told I was ineligible because I utilized forbearance time in XXXX. I called today in XXXX, after 9 years of on-time payments or approved in-school deferment time, and was told I would never be eligible to remove my cosigner because I utilized forbearance time. I asked how I would have known that information, they said if the forbearance was completed on the phone I would have been verbally told. I asked the representative to see if the scripted language was saved to my account. She told me it was not because I requested it on paper, shows my XXXX old memory. I asked her what could I do now, I made a decision within the year I graduated from college, before I made decent money and was in tough financial situation. I also explained to her I am significantly more stable and I am eligible for a cosigner release for my other loan also being serviced by AES. She went to check with cosigner release department and they said it would have been in my XXXX. Back to my whole concern that this was not made clear to me before I made this decision, no phone call was made to explain my commitment and how my cosigner would never be released from my loan.
I have disputed multiple times with all   XXXX   credit bureaus because an account with  KAY JEWELRY is o n my credit report. The account was opened in  2011 . I was in  XXXX   XXXX  at the time and never opened this account. I do not know who did however I have never done business w ith KAY. I  have tried to reach out to them to get information and they refuse to provide any proof of why this account is on my credit. After disputing unsuccessfully with the credit bureaus twice now. I am reaching out to CFPB to get this removed from my credit as it is lowering my score and I am attempting to get a mortgage in the near future. This account does not belong to me!
Credit Plus in on my XXXX  Credit Report 4 times and I did not apply for a Mortgage. I own a home already and did not speak to anyone about buying a home