WillisBack/dataset-financial-user-claim huggingface dataset:
ok so, there was a computer glitch XXXX summer XXXX & early XXXX ) that was transunion problem, NOT XXXX caused my inquires to be deleted. Transunion later added them all back onto my credit report without giving me the legally written notice XXXX days prior to them re-adding them! ive contacted transunion in good faith to ask them to delete the inquires that they illegally re-added. i spoke to XXXX supervisors XXXX XXXX & XXXX ). these inquires did add a hardship to my credit report and my right where greatly violated by transunion! I ASK FOR YOUR HELP TO ASK TRANSUNION TO STOP VICTIMIZING ME! AS A RESOLUTION I WOULD ASK FOR ALL MY INQUIRES BE PERMANENTLY DELETED FROM MY CREDIT REPORT AS A VIOLATION DID TAKE PLACE WHEN THEY WHERE ILLEGALLY RE-ADDED
XXXX and Wells Fargo keep messing up my credit report. They keep launching a investigation every 30 days on the same problem. For 2 months now we have disputed incorrect information regarding Wells Fargo dealer services. The account and car was charged off over 3 years ago. And we have already been through this process with Wells Fargo and even had the CFPB involved years ago.As they violated collection practices. And they continue to report inaccurate information. At first it was a XXXX $ balance as it should be. But they kept reporting late payments for over 3 years after the charge off. Now they went back and fixed the late payments report. But now they say are reporting a balance of XXXX $ on the report. They keep making us wait 30days and its the same account. It has been close to 60 days since this was first reported. And It has been over 30 days. XXXX call center is in the a different country and we ca n't get anywhere with them. This Wells Fargo needs to report XXXX $ balance and no late payments for the last 3 years since charged off. It is hurting the credit and we have enough
I am in the process of refinancing my USDA guaranteed rural housing mortgage, currently held by Wells Fargo, through a new bank, XXXX. We have encountered a problem with Wells Fargo. The payoff statement that Wells Fargo issued to XXXX classifies my mortgage as a conventional mortgage instead of a USDA guaranteed mortgage. My closing documents from XXXX, the mortgage company that issued the original loan in 2011, shows my loan as a USDA rural housing loan. However, the mortgage was sold to Wells Fargo who has classified it as a conventional loan, despite all documentations showing that it is indeed a USDA rural housing loan. Wells Fargo has acknowledged that the paperwork shows that it is a USDA loan, but they have yet to make the change so that I can complete the refinancing process. 
One of the Wells Fargo employees that I spoke with on the phone suggested that this is how Wells Fargo treats all of their USDA loans. If that is the case, then this is illegal and should be investigated by the CFPB.
XXXX XXXX Consumer finance.gov As credit card holders with the XXXX program for many years, we were notified on XXXX XXXX, 2014, that we had earned XXXX XXXX miles. On XXXX XXXX, 2014, Citibank notified us that they changed our CitiGold/XXXX account to the CitiBank Thank You Preferred account. They said that our " account number [ would ] remain the same '' so we could continue to use the old card until the new XXXX arrived. We were then to " destroy [ our ] old card ... by cutting it in half '' They indicated that we would earn points for using the card and that we could redeem these points for many things, including " travel rewards. '' Never in any of the documents we received did they indicate that our air miles would not transfer to the new card or that we should keep using the old XXXX card ( which they were canceling ) to keep our miles. 

When we contacted them recently to see if we could use our air miles for a trip XXXX, they said they cancelled our air miles because we had not used our XXXX card for a number of months. We said that we had continued to use our Citi card that they had sent us after they told us to cut up our old card, so there was no way we could have used the XXXX card. We said that we assumed we were still gathering miles since they never told us that our air miles would not transfer to the new card. 

They also indicated that if we wanted to get our miles back, we could pay them {$400.00} for something we had already earned by using our credit card. 

There is nobody to talk to who can resolve this matter. The " customer service '' representatives can do nothing but repeat their assigned script. Citi Bank has cheated us and needs to be held responsible since they canceled our XXXX card and left us no way to keep it active. They need to give us back our miles and send us a new XXXX card with the credited XXXX miles.
My account statements do not reflect proper amount owed and payments are not being applied to my principal correctly even after contacting relevant parties directly to correct these issues.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. Capital one have verified that this is not my account yet experian refuse to remove.

Details Account # XXXX. ( XXXX XXXX Closed Paid Account ) Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened. XX/XX/2013 Account Status. Closed Credit Limit {$200.00}
I have an auto title loan with XXXX and I get plethora of robo calls from them with a message that starts with Good day. Several unsuccessful attempts to contact you have been made ... I have asked the company multiple times to take me off their robo call list. The number changes from time to time as well so as to make it difficult to screen or block the call. I get these calls about 20 times a week. Also, their lending practices are very unfair so I would not recommend ever using them. After nearly a year of payments on a {$2600.00} loan, I currently owe over {$3900.00}.
I.Q. Data international they have not tried to contact me. I saw this on my credit and it was a for a apartment that my ex girlfriend was staying at. Its from about 2 years ago and the balance is up to XXXX . I would like this not put on my credit.
I went in to the company for an XXXX XXXX XXXX, and was not informed at the time of any charges owed. I received notice later to pay a balance of {$270.00}, which I paid through their online portal. I continued back for the few weeks, to see if there were to be additional charges. I received notification a couple of months later, indicating that I had a past-due bill. I logged into their online portal to see a late charge of {$110.00}. I called the company, and inquired about it, and why I didn't receive notice until it was late, to which they replied it was a mistake and removed the charge.

I received another notice another couple of months later indicating that my bill was late. The same charge was sitting at the next threshold of delinquency. I called the office again, and again they removed the charge. I continued to check back for the next several weeks, confirming that my account balance was {$0.00}. I received a third notification when the bill was another couple of months " late '', again I called and the office removed the charge. The amount was again XXXX  out. I again continued to check back for the next few weeks, confirming the amount had been XXXX out.

I then received notice in the mail that the bill was delinquent and now in collections. I called the office, and spoke to the office manager who advised that the description on her end was for XXXX XXXX, whereas I had been seeing the charge described as a XXXX XXXX XXXX. I asked her why I hadn't seen it until it was late, she advised she did not know. She provided the number for the XXXX XXXX XXXX XXXX office, and when I called they advised I had a case to have this amount adjusted. They sent notice to the office and advised me to call back in a week. The office never responded to XXXX XXXX. Over the next couple months, I continued to check back with XXXX XXXX only to be told they had never received a response. This has started to impact my credit score, and the office continues to not respond. I attempted to call the office to speak to the office manager again, but am now unable to get through the phones to speak to her.
Conns Furniture calls repeatedly from different numbers about my account. They start calling and sending emails and my account is not even 30 days past due. They love to call before XXXX on Sunday mornings and at least 10 times daily. They have even called my job, but I got that straight with them. It is just harrassment and I need it to stop.
Cbna ( XXXX XXXX ) pulled hard inquiry on XX/XX/XXXX and XX/XX/XXXX  on my credit report .I received a rejection letter I immediately called them and stated I had not applied for credit card with their company .They told me it would be deleted but XXXX is still showing their hard inquiry. XXXX  no doesn't show these inquiries.Do n't know the extinct that these hard inquiries hurt my credit score but am sure it's not helping them.
When trying to buy a house XXXX weeks ago, I was declined because I had a negative item reported to the credit bureaus. I called the collection company to try to understand what was going on, and they gave me a printout off charges that I did not recognize. The name of the company is ResidentCollect INC. After many tries to get this resolved with them without success, I called the original creditor. The original creditor, XXXX XXXX XXXX XXXX / XXXX XXXX, could not validate any of the charges that the collection agency was trying to collect. They posted an unverifiable debt in my credit report and this is hurting me a lot. This is against the FCRA. They are not following the law. I even notice that I am paying high insurance rates from a car purchased in XXXX because of this.
We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX  balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX
XXXX XXXX XXXX is reporting extremely low credit scores to XXXX XXXX during car loan application process, in order to allow XXXX XXXX to increase interest rates or having your application denied. 

The discrepancy in credit score between XXXX XXXX and the 3 other credit bureaus is over 300 points lower than the other 3. 

Please stop them from accessing consumer information and formulating scores that hurt people 's borrowing potential.
We financed a house with Bank of America in XXXX and the market that crashed in XXXX took down a lot of businesses. XXXX XXXX did n't have a lot of work and was dealing with a back injury. We held on until XXXX and tried to make payments the best we could. In XXXX of XXXX we applied for a loan modification with a company called XXXX XXXX Modifications. They promised that our payments will be lowered and we will be able to refinance and live in our home. It all turned out to be a scam though. They acted like they were trying to help us but on XXXX XXXX they canceled the loan modification without giving us notice. Then they disappeared into thin air and took all our money in the sum of {$4800.00}. And did n't help us any. After the appointed court date passed the " lawyer '' that we hired gave us the paper that we needed to go to court, but as the date passed already we could n't do anything. On XXXX XXXX XXXX a XXXX XXXX XXXX brought us a pink paper that stated we were getting evicted on XXXX XXXX XXXX because the house had been sold without our knowledge. By this time XXXX XXXX of New Leaf Modifications and XXXX XXXX the lawyer that we hired through XXXX disappeared. All the papers that we got that printed out from XXXX XXXX Modifications printed out on XXXX/XXXX/XXXX we got only in XXXX of XXXX in the mail. Now 7 years later XXXX XXXX has a debt of $ XXXX without living in the house since XXXX XXXX. If there is anything we can do please help because XXXX ca n't work since the banks keep taking his money every check we put in the bank.
FABCO was supposed to roll the debt into the chapter XXXX, but did not do it correctly and left an additional derogatory mark on my credit. I have made several attempts to contact FABCO and filed disputes with no luck.
On XXXX XXXX XXXX @ XXXX, a woman contacted a family member & informed my relative that she is calling to speak to me regarding " a legal matter that we have in our office. It is important she contacts us right away ''. That woman gave no regards to my relative requesting she contact me herself directly at the number provided. When asked for the company name, phone and her name ... she did not provide the company name or her name, but only provided the phone number for me to contact. She then ended the call giving no other opportunity for my relative to ask for her name & company name once again. On XXXX XXXX XXXX @ XXXX, I received a call on my wireless phone from a number located in XXXX XXXX , FL . w/ no voice message left. However, the number that appeared on my wireless phone is the same contact my relative was given so I returned the call @ XXXX using that info provided. A male individual named " XXXX XXXX '' stated to me, " unless specific details was given to you or a message was left, disregard the call as I am not able to assist you ''. As soon as I ended that call, my employer was receiving a call @ XXXX from the same phone number. The receptionist greeted the inbound call accordingly stating the company name, and " XXXX XXXX '' proceeded to state " this call is in regards to the pending legal case we have in our office for ****** ''. " XXXX XXXX '' disregarded the fact that he contacted me at my place of my employment even after the company was disclosed. All representatives involved in this situation from this company, DNF ASSOCIATES LLC & XXXX, violated my privacy rights under the Federal Consumer Rights Act. As well as, prior to the rounds of calls placed in one day, no written correspondence was sent to me on any level ( via email or ground mail ). This company has a valid address to send correspondence to reach me at, which would allow me to respond accordingly. But instead opted to handle the matter by calling other parties unaffiliated to the matter on hand. Upon requesting for proof to validate call made concerning this " pending legal matter '', On XXXX XXXX @ XXXX, I received a correspondence via email from NCB with no signature or title of the person who the correspondence is from
XX/XX/2017 XXXX XXXX XXXX TX XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information on my file. The items I dispute also are encircled on the attached copy of the report. 

XXXX & Wells Fargo are inaccurate because I 've made every effort to dispute what is inaccurate on my credit report. I am requesting that the item ( s ) be deleted. 

Enclosed are copies of certified letters supporting my position. Please reinvestigate this ( these ) matter ( s ) and delete the disputed item ( s ) as soon as possible. 

Sincerely, XXXX Enclosures : Crdit Dispute Certified Letters & Screenshot of my Credit report from CK
On XX/XX/2018 I was unable to access my XXXX exchange account. XXXX is a widely used cryptocurrency exchange in the USA and if FDIC insured. XXXX 's parent company is XXXX. 

On XX/XX/2018 I got the error message " An error occurred. Please contact XXXX support '' after trying to log into the exchange. 

After this, I called the XXXX support line : XXXX ( XXXX ) XXXX. I spoke to a representative and was told there's some kind of security flag on my account. They gave me a case number and said a " specialist '' will need to look into it.I got no specific timeframe in which I could access the exchange again or any reasoning as to why I can't access my funds.

I have a large sum of assets on XXXX that I can't access. I can't wait for days or weeks for this to be resolved as I have bills to pay and I was planning to sell some of my assets on the exchange as I have attained a substantial return on my investments, mainly from the ethereum asset. Reading other stories like this it seems the resolution time for things like this can take weeks or even months. I've been a loyal Coinbase customer for over 2 years and never had this problem. I'm really worried and I'm having trouble focusing at work as I have a large sum of my net worth tied to the exchange. 

I want access to XXXX so I can move my coins to a secure wallet and have them in my possession. 

I've attached attachments of my transaction history to XXXX, as well as the email exchange with XXXX and the error message I am receiving. And also an XXXX spreadsheet detailing my ethereum transactions on Coinbase.
Ocwen  Mortgage has failed to cancel my PMI, or even respond to the request adequately. The only response I have received is that they received an unspecified request and will evaluate i t ( n ot even mentioning the actual request ). No response since then.   
I understand the CFPB is already pursuing Ocwen on man  y levels, I just want to join the cause!
XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an attempt to collect a debt from a cash advance loan with XXXX XXXX in the amount of {$740.00} dollars, this debt is related to an issue of identity theft and fraud. This has been an ongoing issue since XXXX and this issue was previously known as fraudulent and therefore should not have been sent to collections. An official dispute of this account was mailed certified with return receipt to XXXX XX/XX/XXXX and as of this date no reply or update concerning this has been received by my client. This action by XXXX is a violation of the FCRA and FDCPA. In addition to this an application for another loan was submitting to Rosebud Lending XX/XX/XXXX using Mr. XXXX XXXX   information without his consent. While no account was established there is a fraudulent inquiry on his XXXX  consumer report related tot he application. An official dispute was also mailed to Rosebud XX/XX/XXXX and as of this date no reply has been provided concerning the outcome of this investigation. This action is in violation of CFRA.
On XX/XX/XXXX, I submitted a complaint regarding Transunion 's failure to conduct a complete and thorough investigation and for their continued inaccurate reporting of a public record on my consumer profile ( see the attached complaint XXXX ). Transunion responded on XX/XX/XXXX, advising .the complaint was being forwarded to their consumer relations department for processing ; yet another example of Transunion 's willful violation of the Fair Credit Reporting Act ( FCRA ). Transunion has previously alleged this public record was VERIFIED on XX/XX/XXXX and XX/XX/XXXX ( see attachments ) Additionally, Transunion responded to a CFPB complaint submitted on XX/XX/XXXX for failing to disclose the verification process ; a violation of FCRA Section 611 ( a ) ( 7 ). Transunion even suggested they were NOT obligated to furnish such information ( see attachment ). 

*Transunion is in violation of FCRA Section 611. ( a ) ( 5 ) ( a ) ( ii ) .IIf the same public record that was allegedly verified on two occasions is being sent to consumer relations for the third time, the information  has been unverifiable since XX/XX/XXXX.
In regards to the CFPA complaint response to # XXXX Specialized Loan Servicing failed to have a Date for the Blank Endorsement Stamp on Equity Agreement Document and to identify the " Note Custodian '' holding original documents.
My name XXXX . XXXX XXXX. I had a tax lien on my credit. The attached documents show that the debt is settled and I have a XXXX balance. 
I contacted the XXXX major Credit bureaus, Equifax , XXXX, XXXX with the attached documents but they validated the accounts as being unpaid. 
I also contacted the California Franchise tax board the asking them to contact the bureaus letting know my account was current. I was told that, that is NOT a procedure they do. They also informed me because privacy act laws they do not correspond with any third parties. My question is how could the XXXX bureaus legally, and thoroughly validate the account, if they have not spoken to anyone?
The credit one credit card account ending in XXXX was charged off and sold to XXXX XXXX XXXX. Then sold to Razor Capital. I settled and paid in full on account and was promised a pay and delete. But Id settle for the comments on report saying paid charge off. Or paid and settle for less. Not a charge off account. Plus I have proof of a letter showing its paid.