WillisBack/dataset-financial-user-claim huggingface dataset:
on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX I mailed a certified dispute to XXXX, Equifax, XXXX concerning the XXXX XXXX XXXX/XXXX accounts reporting a series of late payments inaccurately. I requested the documents they had in their file at the time is sent letter to verify the late payments against my records and was sent a response the accounts were verified but no documentation. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late and 120 day late the 5 following months. in XX/XX/XXXX my payment history reflects Ok/Current and the following month XX/XX/XXXX it reflecting a 90 day late ... It is impossible for my account be current one month and report 90 days late the following month.
Hi my name is XXXX XXXX and been trying to contact those company who put all of the credit inquiries on my report asking them for prove or any documentation that i authorize of those inquiry but it 's been more than 5 months and so may letters i send. and I can get any response from them please help me cause they were not answer for me and I hoop they answer for you either let them remove those inquiries or I supply the documentation that show that I requested of those Credit I need your help thank you so much. 

( note ) i sending you copy of some of thats letters me to them and letters they response I got from them to support my claim thank you so much again. and one of those companies does n't even exist because I have a return certified mail back to me telling me that they are not they do n't exist but they still show over my credit report as inquiry.
In XXXX, Discover Financial Services made 18 inquiries about my credit within a 7 month period. Some of these inquiries occurred 3 and 4 times in one month. Below are the specific dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

To my recollection I didn't have a Discover account during this time-frame nor did I owe them any money from a previous debt. The only account remotely related to Discover was a XXXXXXXX XXXX XXXXXXXX card that was paid off in XXXX of XXXX. 

According to my rights on this same credit report it states that " Access to my file is limited ''. 18 inquiries within a 7 month period is limited?? I have to pull a more recent credit report to see if these actions are still taking place and if they are than I may be forced to seek legal action as this adversely affects my credit report and have recently had issues obtaining credit for major purchases.
XXXX XXXX XXXX XXXX AUTO LOAN: 
ACCT XXXX LOAN 101: 

THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. 
XXXX XXXX: XXXX DOB XX/XX/XXXX
XXXX XXXX XXXX" XXXX   DOB XX/XX/XXXX (SHE HAS BEEN REMOVE)
I recently placed a security freeze on my credit. 

I signed up with TransUnion and was charged {$5.00}. 

The very next morning, I received a wholly misleading email from TransUnion that clearly made it look like I had signed up for monthly credit monitoring. ( An image is attached ) In big type, it said : TransUnion Credit Monitoring. Thank you for signing up! Yes, show me my credit ( This last part was on a large orange button ) Only below, in very small type does it make clear this is an offer to sign up for monthly, billed credit monitoring. 

I am a savvy consumer, and the presentation/wording of the email was so misleading, I actually wondered if I had accidentally signed up. I 'm certain others are fooled. 

TransUnion needs to stop this shady and misleading advertising. ( The fact that they are marketing this at people who froze their credit -- likely because they are the victims of some kind of credit fraud already -- is unconscionable. Please make them stop. 
I also do not believe that I opted in to receive marketing emails.
OVERVIEW : I am a former home equity line of credit ( HELOC ) customer of Regions Bank. I have satisfied the HELOC in full on XX/XX/XXXX and Regions Bank confirmed this via their attorneys XXXX, XXXX XXXX XXXX, XXXX, as well as by refunding me overpayment check but Regions has yet to satisfy/release the mortgage they put on my home preventing me from refinancing my home at another bank. It has been four months and Ive tried to contact Regions multiple times but keep getting the run-around and cant even get them to call me back/write me back/assist in this matter at all! Background & Details : I first obtained a HELOC from XXXX XXXX XXXX XXXX in the amount of {$300000.00} with my wife on XX/XX/XXXX and they subsequently recorded a mortgage against my home in the same amount ( ATTACHMENT 1 ). In the years since, this HELOC has been extended several times and sold/transferred to several different banks until finally landing at Regions Bank.
I was discussing renewing this HELOC with Regions Bank loan officer when I received via mail ( ATTACHMENT 2 ) on XX/XX/XXXX that the loan was due/past maturity and Regions was calling my loan due for total outstanding amount. After discussing with their law firm XXXX, XXXX XXXX XXXX, XXXX, I decided to pay Regions back in full and made full payment amount of {$300000.00} ( ATTACHMENT 3 ) on XX/XX/XXXX. XXXX, XXXX XXXX XXXX, XXXX. sent me confirmation ( ATTACHMENT 4 ) that they had received the payoff and that their legal file was closed out due to the pay off of the loan. They subsequently informed me via telephone that Regions Bank would satisfy my mortgage and remove it from title of my property. Regions then sent me via mail a cashiers check for {$98.00} ( ATTACHMENT 5 ) stating OVERPAYMENT OF LOAN on XX/XX/XXXX signaling their receipt and closing out of the loan. Please note that the loan number on original notice of payment from Regions, wire confirmation from my Bank, confirmation letter from law firm & overpayment check from Regions all match as same. Since XX/XX/XXXX, I have made no less than 10 calls to Regions Bank asking for them to release their mortgage on my property so I can refinance my home but each call has failed and they can not even refer me to their loan satisfaction department.
Any assistance you can give me to resolve this situation with Regions Bank would be greatly appreciated. Thank you in advance for your help.
I sent a letter requesting validation of several times to both the creditors and the credit report agencies of incomplete or incorrect information being reported. The CRA came back with an answers that they have " verified the accounts belong to me ''. To date, these accounts have not been verified by the creditor and the CRA was informed of the notice after a 30-day period. These items still remain on my credit file, do not belong to me, are incorrect, incomplete information and harming my ability to obtain additional credit and my overall credit score.
This is regarding MB Financial and difficulties with their wire transfer service. I have relocated to XXXX, OH and closing on a home X/XX/17. I was told that the only way to wire transfer is to do this in person, which required me to fly from XXXX to XXXX for a wire transfer. This would not put me back into XXXX until after the closing time. Bank agreed to transfer funds from my account to my son 's account who lives in XXXX. They promised that the funds would be immediately available. My son went into the XXXX branch morning of X/XX/17 who received confirmation of the wire transfer from his account to the title company. This occurred prior to XXXX am on X/XX/17. As of XXXX pm, the money was not received by the title company. I called MB and they could not find record of the request. They then advised that their wire transfer system was down. Then they said they could not find these funds ( {$150000.00} )!! We finally got the XXXX branch on the phone who said he withheld the wire transfer until he could reach me ( I never received a call and the numbers that he called were not the number my son provided to him ). He then said he would execute the wire transfer immediately and call me back within 10 minutes. 15 minutes later and no wire transfer ... says he needs management approval and management is not available. I have made countless calls to elevate and get this resolved with runaround constantly and it is still unresolved. I will now not get my house.
My Bank of America credit card that I have a credit balance of .21 was closed suddenly after having it since XX/XX/2006. The excuse that was given was my co-applicant which is my mom had some debt. She has never been late on any of her cards and never used this card. I added her to establish credit. BOA lied by saying they tried reaching out .I asked if my co applicant is the issue take her off. They said if they open up the card than they will do that. You dummies, why not do that before you closed the card and will cost me an inquiry to try to reopen. No warnings or possible solutions were given before. The reps kept talking in circles and had a difficult time sticking to their original story. This card was closed based on assumptions. XXXX and XXXX would never act this way. My credit score is in the high 700 's but I'm being penalized again because of an assumption. This is simply wrong.
Navient tried to increase the amount of my monthly payment 3 months ago, claiming they redisclosed new terms of my loan and that my loan would not be paid off within the 360 months I had originally signed. This increase was made after 14 years of the same monthIy payment. Navient had bought my loan from Sallie Mae, who had bought my loan from XXXX. I spoke to 3 levels of supervisors who then agreed to change the amount back to the original monthly payment I had been making. 3 months later, Navient again tried to increase the monthly payment, claiming again that my current payment would not fit into 360 months. I argued that any monthyl loan payment should stay the same from beginning to end unless terms were renegotiated. They repeated that they had to abide by federal guidelines and " redisclose '' new terms. 

This is false and predatory action. Repayment of any fixed rate loan should never change.
On XXXX XXXX, 2017 there was unauthorized activity on my paypal account. There were two attempted transactions to XXXX XXXX  with email address of XXXX. The initial transaction of XXXX was completed while the second was tagged as fraud and I was notified via email. I immediately called in within seconds of receiving this notification and informed paypal this indeed was not authorized and proceeded to change my login credentials while on the phone with their agent. They informed me they would put in a case for this transaction and the funds should be returned. Why one transaction was allowed and the second was tagged as fraud the agent was unable to explain. However, the fact is paypal recognized one of the transactions to this person as fraudulent automatically. So It came as a shock on XXXX XXXX, when I received notification from paypal stating We have reviewed this transaction ( s ) and are denying your claim ( s ). This decision was made because this transaction was not unauthorized. How they came to this decision is beyond me. I called in within seconds of being alerted of the transaction and identified it as fraudulent and paypal halted a second transaction to this same person, finding it fraudulent.
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Furthermore paypal also states You also previously appealed this case and it was denied. The appealed case ID is XXXX. However, I never appealed the case, I only reported it once and was waiting for their investigation to complete. This is the first and only news I 've received from paypal regarding this.
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I am attaching the two emails I received. First the one notifying me I had appealed the case previously. Then the email notifying me of the results of the initial investigation afterwards. How could i have appealed the decision prior to even receiving the results of the initial investigation?
i am a bank of america costomer. this bank keep transfer my money from savinngs to checking out of my agreement .first time the transfer XXXX, and the say is overdraff was the one transfer the money .and letter the XXXX desapear from my account few monmths letter the same thing happem XXXX .l trast times is happem .i when back tack out all my money from my account because if i leffet any mony on my account with desapear, also is a lot not aoutorize transation on my checking account .the total lost is XXXX
XXXX, XXXX AND XXXX I SUBMITTED DISPUTES TO EQUIFAX TO AMEND THE CREDIT REPORT INFORMATION FOR 4 ACCOUNTS XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) AS OF LAST COMPLAINT I FILED WITH YOUR COMPANY THEY ADVISED THEY NEEDED ME TO FILE DISPUTES WHICH I HAD ALREADY COMPLETED SO I RE-FILED THE DISPUTES AND AM REFILING THE COMPLAINT WITH YOUR AGENCY IN HOPES THE CORRECTIONS WILL BE MADE. THE OTHER TO CREDIT AGENCIES HAVE AMENDED THEIR FILES, XXXX AND XXXX. 

Date Major Delinquency First Reported SHOWS AND I WAS NEVER DELINQUENT ON A PAYMENT, PER CHAPTER XXXX BK, I WAS NEVER LATE ON A PAYMENT AND ATTORNEY ADVISED ME TO HAVE THIS DEROGATORY REMARK REMOVED. 
PLEASE DO SO IMMEDIATELY. :
My name is XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX. I have old and unknown addresses appearing on my credit report. The following addresses are not mine they are inaccurate please delete : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX I have several number that are not mines on my credit report that need to be deleted the following numbers are not mine ( XXXX ) XXXX ( XXXX ) XXXX   ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX  ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX ( XXXX ) XXXX ( XXXX  ) XXXX.
Ongoing saga of fraud malice and deceit from verizon. MY 1st complaint exposure of there sloppy deceptive ( commonplace ) practices starts in XXXX 2015, to you and FCC. These clowns have fraudulently used my personal information to create, harass, insult my intelligence. This putrid company of lying thieves, proclaims I owe ( XXXX ) balances!!!!! There is ( XXXX ) outrageous XXXX and deception in my credit files, with this derelicts at experian and transunion. Equifax is the only one using XXXX, can see this is duplicated fraud and harassment. These putrid lying thieves at verizon claim I owe them {$320.00} and {$980.00}?! # Idiots deceived XXXX collection agencies to come at me with a bill for {$980.00}. NOW this ( ruse ) to harass and deceive ( XXXX ) accounts. OUTRAGEOUS, when has ( any ) creditor claimed XXXX seperate balances, same account/complaint of deceptive billing practices to mask there worthless excuse for ripping off ( OVER ) XXXX from there own customers. I do n't owe verizon anything, they lied cheated me with there fraudulent ( cramming ) overcharges cryptic balance forward billing deceptions. Example I checked my statements these thieves claimed they gave me my proper credit for a deceptive billing for {$170.00} pre-charging early termination fee, for trying out a ( worthless ) un-saleable product, there google tablet, Other charges column, these XXXX recharged me the ( SAME ) {$170.00} pre-charged early termination fee. This is why I am fed up with this XXXX company. 7 years of aggravation, manipulated, confused billing.
Chase Bank has a " policy '' that any deposit made after XXXX will be credited the next day, however CASH deposits show as available money in the account, available after making the deposit at anytime of the day or night. Chase openly admits that they have now charged my account three times because a cash deposit was made after XXXX and transactions that were pushed through that night caused and overdraft fee despite the fact that my account clearly showed an " available balance '' of higher than all transactions. Chase hides behind their " policies '', but what they are doing is criminal. The Cash deposit was in the account BEFORE the charges were pushed through, the available balance was higher than the charges, but Chase is still charging an overdraft fee. 
I noticed on a Chase bank complaint message board numerous similar complaints, where someone pointed out the obvious fact that a CASH deposit is a CASH deposit. It does not matter what time it is deposited. It is given an automatic available balance, so if the the money is in the bank before the charges go through and is available, it would be illegal to say that there were insufficient funds.
I requested Transunion and XXXX to verify a bankruptcy on my credit report. I also requested for them to send me any information regarding there decision on the outcome. All they send me is a letter stating they verified it with a third party lender. They failed to respond to my request accordingly and chose to ignore what I asked for. Leads me to believe they never verified the information as requested.
I sent the attached letter to Equifax and XXXX on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
XXXX has incorrect hard inquiries on my XXXX credit report. They are showing inquiries from X/XX/17. Inquiries that I did not authorize I do not know what XXXX is nor did I apply for anything from them. A fraud alert has been placed on my account since the discovery of these inquiries I have spoken to them via phone and sent countless letters and they refuse to remove these inquiries from my XXXX  credit report. The inquiry date is X/XX/17. I would like this inquiry removed immediately as I did not authorize it.
This debt was created from my Illinois department of human resources XXXX account. I went away to XXXX and somebody fraudulently renewed my length of benefits and continued to received my benefits while I was XXXX. I was XXXX from XXXX/XXXX/2015 to XXXX/XXXX/2015. When I got XXXX from XXXX I was denied benefits due to fraudulent charged on my Illinois XXXX while I was in XXXX. I have no idea what to do or how to get this debt resolved if I had nothing to do with it since I was in XXXX over the 6 month period the card was being used.
The collection agency was notified, in writing, that the discounted amount they are trying to collect was through my insurance company and XXXX. The services were covered by XXXX at the time of service. 
It has been 3 months and they still are saying I owe this money, even after I sent them a copy of my XXXX showing I do n't owe it. 
They also reported this to all XXXX credit bureaus. 
Every time I call them, they tell me they are still working on it. 
If you are disputing an account, the collection agency should not be allowed to put this on your credit report!
XXXX XXXX from Ncc called stated that they will take legal actions against me, on a 3 party voice mail, leaving phone # XXXX account # XXXX
Chase BankHave put my account as a charge off and now a collection agency is trying to get interest off on a XXXX dollars which now is XXXX dollars from XXXX years ago. In XXXX to XXXX I had a nerves break down and could not work an when I did work my hours were limited. I received short term XXXX and called Chase Bank they told me not to use it that I was covered under my protection plan. Some time later they said they would put me under hardship program never heard from them again now a year XXXX got a letter at work for the XXXX and again this year from my personal office last year I was not making enough to be garnished this year they 're trying again what can I do. My number is XXXX please call
I faxed over a copy of my drivers license, social security card, and utility bill to update my personal information and to remove inaccurate names and addresses. Fraud alerts were placed on my account due to the inaccurate name of XXXX XXXX and fraudulent inquiries. I asked for the following fraudulent inquiries from XX/XX/XXXX to XX/XX/XXXX without results : XXXX/XXXX   Inquiry : XX/XX/XXXX XXXX XXXX   XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX  XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX   Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
I agreed to purchase tickets at a set amount of {$300.00} to a seller on XXXX who asked to use XXXX as a method of payment on Thursday XX/XX/2018. The seller mentioned that he has XXXX XXXX, and since I bank with XXXX, it seemed like a safe way to transfer the funds. Thinking XXXX is backed by the banking system, I agreed to transfer the funds to purchase the tickets. Once I transferred the money to the seller 's account, the seller was supposed to transfer the tickets to me online via XXXX accounts. Unfortunately, the seller then proceeded to decline all my phone calls to rectify the situation and now I am at a loss of {$300.00} with no way to reverse the transaction due to fraud and scam. I also have reported the fraudulent ad to XXXX for removal, while saving screenshots of the seller 's fraudulent ad.
My credit is being destroyed by medical bills even though I have had insurance in the past year and had no idea that that would stop me from getting my financial life in tact and steady
In XXXX 2016 after checking my credit report, I realized that there was an error on my credit report. Select Portfolio Servicing, Inc. had attached a debt to my credit report which did not belong to me. The debt actually belonged to my father who has the same first and last name as me. I contacted SPS in XXXX to correct the issue and made them aware that they had illegally obtained my Social Security number and attached it to my fathers debt. My father also contacted them to make them aware of the error. SPS mailed my father the appropriate forms to verify his identity and he completed the forms and returned them. He also attached copies of his drivers license and Social Security card to confirm his identity. SPS will not acknowledge these complaints or receipt of the forms mailed in by my father. Additionally, SPS will not admit fault for illegally obtaining my Social Security number and attaching it to this debt. For the past several weeks I have contacted SPS nearly every day by phone and have also contacted them in writing to resolve this issue. I have recently been denied a home loan because of this error on my credit report. SPS has made no effort whatsoever to resolve this issue and now I will soon be homeless because I sold my home and was unable to obtain financing to purchase a new XXXX.
I owe them {$200.00} dollars and been having financial hardship for the last 6 months, they continually harass me calling my place of employment everyday 2 and three times a day, i have already contacted the corporate previously and ask them not to call my place if employment but they still call it is stressing and depressing