WillisBack/dataset-financial-user-claim huggingface dataset:
I have recently reviewed my Transunion credit report and observed that several inquiries that were disputed and removed and re-appearing on my credit report. Furthermore, other disputed inquiries have not been addressed at all. Transunion always reply with a standard response that it is my responsibility to contact the creditor and address my concern. This is in total contradiction of Transunion previous action because record will show that Transunion had deleted sever disputed inquiries. I am respectfully requesting that Transunion conduct a legitimate investigation into the following disputed inquiries. Furthermore, I want the name of the Transunion Representative that conducted the investigation and the name and contact information of the Creditor Representative that confirmed the inquiry was legitimate. If that is the case I am requesting Transunion to send me a copy of the documents used to confirm that the inquiry was legitimate so I can verify it 's validity. 
XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ALLY XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ( They send me a letter confirming that the inquiry needs to be removed. Letter will be provided upon request ) XXXX XXXX XXXX/XXXX/2016
Dept of Treasury have not contact me about my student loans, It was in collections I did not received and documents, I have called so many different numbers and no one can not tell me anything, I have gotten approved for financial aid and they took my whole tax refund but can not explain why
I previously contacted XXXX XXXX XXXX as well as Equifax to inquire on the late payments reflected and were told that the account would remain open and in good standing now that it has been paid but they couldn't lawfully suppress any particular portion of the actual payment history on my XXXX account including late payments, neither can they lawfully delete the tradeline altogether for your account. 
After receiving this, I noticed that a significant amount of late payments, 28 to be exact were added to the account that were not previously there. To add insult to injury, on exactly XX/XX/XXXX I received a notification from XXXX XXXX that an account on my credit profile was listed as " closed '' on my EQUIFAX credit report decreasing my credit score by 56 points.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   2014,   XXXX    2014 30 days past due as of  XXXX  2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Enhanced Recovey Collection was notified that the debt for an account they were trying to collect was a result of identity theft. I called them and notified them that I had filed a FTC identity theft report as well as a local police report for a collection account that the original creditor was listed as XXXX XXXX XXXX for {$1500.00}. A few days later the account was then subsequently removed ( XX/XX/XXXX ). A few more days later after that ( XX/XX/XXXX ) I have actively been monitoring my credit daily because of recent events and I now find out the same debt collection company has listed a new debt from XXXX XXXX for {$1500.00}. New account number and all. I believe this is an attempt to circumvent my original request and illegally collect monies that I dont owe. They are breaking the law.
On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with XXXX, Experian and XXXX, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.
My bank is robbing me. I 've only had my loan with this bank since XX/XX/XXXX and each year my payments keep going up. They claim my taxes are XXXX a year, however my township tax collector states they are {$10000.00}. I 've over funded my escrow since my loan existed and Pacific Union Financial is claiming my escrow is {$4300.00} short. I 've called numerous time to have it reviewed, faxed my proof from the township of the banks inaccuracy and they refuse to help me or fix my account. Where is my money going?!? They jacked up my mortgage {$630.00} a month!! I 'm extremely upset and dis pleased. They also have n't been sending the township the correct funds, and sent me a {$6500.00} escrow refund in XX/XX/XXXX, they slammed me with a XXXX tax bill right before XXXX. No one knows what they are doing and the turn around time to hear from someone is 3-4 weeks.
I have an un-authorized inquiry on my credit report with XXXX from XXXX XXXX XXXX. I did NOT give XXXX XXXX XXXX permission, thus allowing a hard inquiry to reflect on my credit file. I was not made aware, nor were there instructions letting the consumer know that they would be pulling my credit report. What I did was, I added overdraft protection to my personal banking account. No where on their website did it say that they would have to run my credit just for me putting overdraft protection on my personal account. I had no knowledge that they were pulling my credit nor did they have my permission. I am requesting that this un-authorized inquiry of XXXX XXXX XXXX be removed off of my personal credit file with XXXX, and Transunion.
What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with Equifax but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( account reported multiple times ), XXXX, and XXXX XXXX XXXX,
XXXX/XXXX XXXX XXXX BALANCE {$6400.00} this was a fraud account opened and disputed back XX/XX/2016 this was removed from my credit reports by XXXX as fraud and now it was added back to my credit reports. I disputed the validity of this debt and account on XX/XX/2016 as fraud
While reviewing my annual credit report on XX/XX/18, I discovered two reported incidents being claimed as unpaid debt against me a company called " American Collection Serv ''. Both incidents claimed that I owe them {$7.00} for each incident. I filed a dispute online with XXXX  indicating that absolutely NO INFORMATION has been provided to me about either claim, that I have never been contacted by this company, I have no clue what the claim is pertaining to, and to please have this mysterious/anonymous company contact me with any & all information. 

The dispute was closed by XXXX  on XX/XX/18 as a " verified '' debt that I owe. I have never heard of a company called " American Collection Serv '' and no one has contacted me. This slanderous information is impacting my credit score and reputation. XXXX will not provide me with additional details and merely points me to the CFPB for recourse. 

Can you please help me find out what these false charges are being claimed for? The reckless nature of XXXX and " American Collection Serv '' in this matter is shocking. I am at a loss and very concerned that anonymous reports are impacting the financial well being of my family. Thank you,
I have a fraudulent account on my credit report With XXXX XXXX that I have been dealing with for over a year I turned in police report and identity theft Affidavit to the company and the credit reporting agencies All except Equifax has removed this account from my report a year ago and I provided them all information need to show this was not done by me Ive been disputing this account asking if they feel like this account should be on my account to show physical proof of a contract with my signature on it no one can provide this
I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, XXXX because of a Capital One Bank credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were XXXX XXXX XXXX and they were collecting my Capital One account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, XXXX but a XXXX XXXX XXXX XXXX. XXXX in XXXX, XXXX. They send me letters of my payments and balance with a bar code and a reference number and with t he XXXX XXXX XXXX , XXXX on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the P. O. Box address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in XXXX XXXX and I have been getting calls everyday. They even have a spoof XXXX area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in XXXX she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a P. O. Box in XXXX, XXXX. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this P. O. Box address. Thank you.
Chase has withdrawn money from my personal checking account ( non chase account ) for over four years. When I called Chase ( five times on XX/XX/2016 ), to inquire about the Chase account where the money is going, they were unable to provide the information. I provided the routing number and account number for the account that they have withdrew money from and appeared that Chase was unable to track where this is going. Furthermore, Chase did not comment when questioned bout the authorization of auto pay from my checking account ( non-Chase account ).
I submitted a dispute to Experian XXXX 2015 stating that my payment history for XXXX account number XXXX that was incorrect and supplied a copy of a letter from the credit granter XXXX sent to the Ohio Attorney General stating that the account was never reported as late. This letter was in response to a complaint to XXXX over my payment history that was being reported incorrectly. They state that they never have reported my account as XXXX days past due. after receiving my results from XXXX I called XXXX and they told me that they did NOT verify to XXXX anything. The lady then checked and said that they are reporting that I have never been late and that they can not control what and CRA puts in the report. I demand that XXXX correct the my credit report to reflect that I have never had a late payment like XXXX states in the letter, remove the account all together, or provide proof that they contacted XXXX and received a valid payment history. I demand that they provide who they contacted name and phone number so I can verify with the person that they verified it with since XXXX says they did not verify with them.
Approximately XXXX years ago the family living at XXXX, XXXX, SC XXXX left the home due to the back starting foreclosure. Over the last XXXX years the house has fallen in shambles. The grass has had to be cut by neighbors as well as the home owners association. There have been many instances of homeless people living in the home and staying only late at tonight to sleep. Also, children have been breaking into the house to play and vandalize. There is garbage everywhere in the interior of the home and garage. Repeated attempts to secure the front door have failed as the door continues to be broken into. This is a safety concern for the neighbors.
After the breach at Equifax, I signed up for free credit monitoring offered by Equifax. I received two emails from Equifax to complete this registration. The link on both emails was invalid so I call Equifax direct. They started asking me for my social security, mortgage company and monthly payment. I told them that I was not about to give this information over the phone especially after the security breach. I asked if I could do this online, they said " No ''. I asked if they could send me something in the mail, they said " No ''. I asked if I could speak to a Supervisor, they said no one was available. This is unacceptable especially after the breach of personal and private information. Equifax first of all should not be sending multiple emails with links that do not work, they should not be asking me for my social security number or other private information over the phone. I can not verify to whom I was speaking, how do I know that the number I called is actually Equifax - perhaps their phones were breached as well. Equifax has to make this credit monitoring " final step '' more professional and safe for us consumers that had their personal information breached.
1. XXXX XXXX working on behalf of XXXX XXXX XXXX XXXX I received a voicemail that stated that this company was looking for me. A complaint against me has been filed and paperwork is being sent to my local county clerk 's office. I called the number back to see what this was about and was informed that I took out a Payday loan in 2011 with XXXX and because I used a check- Charges were being filed against me for theft by check and deception of bank. I informed that I had no idea what they were talking about and that I do not remember taking out an online payday loan. They stated that they had all of my paper- they read off a lot of my personal information to me and said that they have all they need to get me arrested. I told them I have no idea what they are referring to and that I would need to see copies of the documents that they had on me before proceeding any further because I did not take out any loans. I also asked if I could have their physical address and the lender they are working with to verify the information they are saying. The lady called me a fraud at least 5x 's and said that I am trying to steal money and I would be going to jail soon for fraud. I told her - I had no idea what they were talking about and that until I get paperwork - There is nothing I can do. She said that they will file the paperwork by the end of the week and I will be picked up on my job. She hung up on me - I called back and was hung up on by multiple people. They have called my job and family members and said that I am in legal trouble.
We are refinancing our mortgage through XXXX XXXX XXXX XXXX XXXX. We were pre-approved by Freedom Mortgage company for {$160000.00}. pending our appraisal. We were given an FHA certified appraiser from XXXX XXXX ( through XXXX ). The appraisal came back at {$190000.00}. which was only {$5000.00} shy of what we needed. So the broker ( XXXX XXXX ) revised the loan request accordingly. We were just waiting for the approval of the underwriter. The underwriter requested that some comments be added to the appraisal so the broker sent it to the appraisal company for adjustments. 
we received our updated appraisal to find out it was decreased by {$10000.00} to {$180000.00} due to one added comparative property. We feel we are being undervalued and are not being treated fairly. This refinance has been taking a month and estimates just keep changing. We believe a decrease of that amount for one comparative property is unjust. The FHA approved appraiser 's first opinionated value should not be able to be overridden in that way. We have been paying our mortgage for 14 years and have refinanced in the past without problems of this nature. XXXX XXXX XXXX XXXX XXXX has been great every step of the way and believe we deserve a fair experience.
I called XXXX XXXX XXXX, XXXX to figure out why they sent me a letter stating I owe XXXX $ from an apartment I moved out from. They stated to me it was for some move out charges. I was never notified of any charges after move out before this letter. I talked to a female I believe her name was XXXX. She was extremely rude, and tried to get me to pay today, however I declined and told her I need a breakdown of what these charges are, and she refused to do so. She then questioned me why I am calling her, and I advised her because this letter has your information on it. She began to get very loud, combative and rude with me, and at that point I felt threatened by her tone and felt as if she was trying to verbally harrass me.
XX/XX/XXXX I applied for a secured credit card. My credit report was pulled. I never applied at Navy Federal for any other loans or credit cards. But my credit was pulled without my consent two more times! Once on XX/XX/XXXX AND once on XX/XX/XXXX! My credit was pulled three times in a 17 day period. AT LEAST two of the were without my consent.
Recieved multiple ( at least XXXX ) calls in XXXX days time frame. Never left a message. When I called back to see who was calling, I was repeatedly hung up on. When I was finally able to see why they were calling they said a debt was owed. When I asked for details I was transferred to another person to and started the process over again. Then I was hung up on again. I called back XXXX times and spoke to XXXX different people. When I asked for details on the debt, I was hung up on. When I called back, I asked to speak to a manager and was hung up on.
I just got mail from Transworld to my address and wrong last name XXXX XXXX instead of XXXX XXXX XXXX collecting a debt I do not recognized as mine
I purchased variable annuity from a agent from Flagstar Bank. This agent left for some reason or other and he was told not to contact any of is clients. Flagstar also did not contact me. It was not until i called Flagstar and than they assigned agent. During this period of time I loss money because no agent was watching my annuity. The name of the Agent still appear on the Quarterly statements even after he left.
A judgement is on my credit report for XXXX case number is XXXX I have disputed this account. This judgement does not belong to me.
I had pull my wife off of my bank account, and during that process the bank went in to her account and pulled {$130.00} out to put in my account because it was overdrawn for 15days and cause her account to go overdrawn due this process. At this point now both accounts are overdrawn and the back is saying ohhhhh well it is in the agreement.
To Whom It May Concern ; Dear Sir/MadamI needed to pay XXXX AED to a lawyer in XXXX from my bank account that I have with Wells Fargo. This is not something that I usually do on my daily banking so I was not familiar or had any experience beforehand. 
I stopped by at a local branch located at XXXX XXXX XXXX XXXX XXXX, VA, XXXX to do the transfer. 
The exchange rate the branch gave me was XXXX for XXXX US dollar to which I agreed to since I thought Wells Fargo as a bank should have comparative rate that should be comparable to any other bank or any other financial services like XXXX XXXX who offer money transfer. 
I then sent the receipt to my lawyer as for informing them that money has been sent. 
I then received a phone call from them that the rate at which I converted my Dollar was very low and never saw anything like this in the history of all the exchanges that has ever been done. 
That raised a question why Wells Fargo offered such low exchange rate so I started to investigate. 
I first checked with apple federal credit union bank to find out what their rate was. 
I was told they do n't do exchange at their branch at all, instead they send the money in form of Dollar and the exchange will happen in XXXX at at receiving bank. 
I then checked the rate in XXXX and found out the exchange rate there is XXXX for each US dollar. 
I then checked XXXX XXXX and noticed their rate is XXXX and has always been like that. 
pleas consider that XXXX has a strong economy and their exchange rate does not fluctuate much. 
Had I sent the money with XXXX XXXX XXXX XXXX, I would have sent {$13000.00} or {$13000.00} if I had used XXXX XXXX. 
I ended up paying {$14000.00}, {$330.00} ~ {$450.00} more just because I used wells Fargo Bank. 
Apparently, Wells Fargo in addition of {$35.00} Wire transfer fee, is making between {$300.00} to {$500.00} as hidden fee by buying Dollar at lower exchange rate, XXXX, and selling it at higher rate, XXXX XXXX. 
I have also attached the history of Dollar to XXXX exchange rate that shows the min and max rate for about a week ago that shows the rate was never near XXXX. 
I request a refund be issued according to correct exchange rate that has always been used internationally to convert USD to XXXX.
I sent a letter to XXXX XXXX XXXXXXXX XXXX XXXX acct #XXXX  on XX/XX/XXXX certified mail XX/XX/XXXX in regard to  information I was disputing on my credit report.in which I have a charge off settled for less than amount with a charge off  amount in the of $XXXX with delinquencies of 30 days late ,XX/XX/XXXX, 60 days,XX/XX/XXXX,XX/XX/XXXX,CO from XX/XX/XXXX through XX/XX/XXXX. Date acct closed XX/XX/XXXX and that  I disputed are  inaccurate .XXXX XXXX XXXX XXXX XXXX did respond back with information provided but no canceled checks ,no payment to show payment history. On XX/XX/XXXX I replied back with another letter to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXcertified mail XX/XX/XXXX informing them that XXXX XXXX XXXXXXXX XXXX XXXX has violated the law/ federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law.You are required by law to place a "notice of dispute" when you signed on XX/XX/XXXX within the 30 days required XXXX XXXX XXXXXXXX XXXX XXXX is in Violation. The Fair Credit Reporting Act Section 623(a)(3) for not placing  Notice of dispute within the timeframe and evidence via certified mail you must now remove the item. They have since place a "notice of dispute " on credit report. And why are they still reporting on a closed account monthly.
XXXX XXXX XXXX XXXX XXXX is in violation for not providing a "notice of dispute" they must follow the law and remove of  credit report.
The Fair Credit reporting Act Section 623(a)(3) responsibilities furnishers of information to consumer reporting agencies[15U.S.C.1681 s-2](a)(3) Duty to provide notice.