WillisBack/dataset-financial-user-claim huggingface dataset:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX   XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX XXXX that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I called XX/XX/XXXX to make payment arrangements per the company website. I was told to call back when I could make a payment. I was also told that depending on the payment amount I could make I would then be able to enter into an informal or formal repayment arrangement. I was told I would receive the certified letters and phone calls even though I had called in and made informal payment arrangements. When I called today, XXXX XX/XX/2019, I was not able to use the automated system or the online system. I was also not allowed to make a payment by calling the number the automated system referred me to : XXXX. I was on hold for over 30 minutes and then when I did get a representative she had no idea of my earlier call or the arrangements. I as told by this representative that I would be told what they could accept. I told her I literally had only {$3.00} available today but I wanted to get started on getting my account back to current. She refused to accept my payment and said $ XXXX, was not enough for them to accept any payment from me. I asked for a supervisor. She tried to continue to talk to me about paying more. I told her I literally did not have anymore today but would call back again. She laughed at me and then after I asked twice more she sent me to a supervisors voicemail. I left a detailed message with my name, account number, phone and the issue I was having. I requested my account be paused as the supervisors voicemail says it will take 24-48 hours for her to even return my call. They ahve people coming to the property and leaving door hangers that say it is urgent i call with just a handwritten phone number, no name, mostly in XXXX. When i call it is the debt collection line for delinquent accounts at guild mortgage.
After reviewing my credit profile, I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I received a response in mail by TransUnion XX/XX/XXXX stating the account was verified, but I did not received any documents to validate this account as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd verification letter asking for complete list of all documents and correspondence with XXXX XXXX, including all names of employees that TransUnion spoke with as part of the investigation. I received the same letter that was sent out by TransUnion on XX/XX/XXXX stating the account was verified, again no documents showing this account belongs to me just another template letter. The account is still reflecting on my report and the account do not belong to me.I have whited out my information on the letters i sent and also whited out my file number from the verified template letter TransUnion sent and attached.
XXXX account XXXX is reported twice on my Trans Union Credit Report. Once under XXXX ( accurate ) and again under revolving ( iduplicate ). If you look at the attached report you will see on page XXXX the reporting from all three credit agencies on the account under real estate. Then on page XXXX Trans Union ( not Experian or Equifax ) Reports the XXXX trade line a second time under revolving credit.
Quicken L oans sent me offers for a refinance loan product after I submitted promotional opt-out information.
I WAS DECLINED FOR A CREDIT LIMIT INCREASE BASED ON " THERE WAS A RECENT CHANGE TO YOUR ACCOUNT ''. THIS RATIONALE IS BEING DISPUTED BECAUSE I RECEIVED AN " ACTUAL '' CREDIT LIMIT INCREASE APPROXIMATELY XXXX 2015. ON XXXX XXXX, 2015 I WAS APPROVED FOR AN ACCOUNT COMBINATION, IN WHICH, I CLOSED XXXX OTHER ACTIVE CAPITAL ONE ACCOUNTS ( # XXXX, # XXXX, # XXXX ) AND TRANSFERED THE INDIVIDUAL CREDIT LIMITS TO MY CAPITAL ONE CARD ENDING IN ( # XXXX ). THE COMBINATION OF MY ACCOUNTS RESULTED IN AN INCREASE TO MY CREDIT LIMIT, BUT IT WAS BASED ON ESTABLISHED AVAILABLE CREDIT FROM ALL OTHER CARDS, NOT AN INCREASE GRANTED BY A STANDARD CREDIT LIMIT INCREASE REQUEST. I MAY BE CONSIDERED FOR AN INCREASE NO MORE THAN TWICE A YEAR ( SIX MONTHS ) ACCORDING TO CAPITAL ONE TERMS & CONDITIONS. I RECEIVED AN ACTUAL INCREASE IN XXXX, THUS I SHOULD QUALIFY FOR A POSSIBLE LIMIT INCREASE UPON XXXX REQUEST, WHICH IS MORE THAN SIX MONTHS TIME FRAME. CAPITAL ONE IS CONSIDERING A CHANGE TO MY EXISTING ACCOUNT WHICH RESULTED FROM AN APPROVED ACCOUNT COMBINATION, NOT A STANDARD REQUEST. I CONTACTED A CAPITAL ONE REPRESENTATIVE PRIOR TO APPLYING FOR AN ONLINE CREDIT LIMIT INCREASE TO VERIFY LAST OFFICIAL INCREASE DATE, WHICH SHE STATED WAS IN XXXX, THUS I WAS WITHIN TIME FRAME FOR CONSIDERATION. TAKING INTO ACCOUNT THE XXXX APPROVAL FOR AN ACCOUNT COMBINATION EXPLAINS WHY I RECEIVED A DENIAL REASON OF " A RECENT CHANGE TO YOUR ACCOUNT '' ; IT 'S NOT WITHIN SIX MONTHS. CAPITAL ONE IS DEMONSTRATING UNFAIR ACCOUNT REVIEW PRACTICES BY CONSIDERING ACCOUNT COMBINATIONS, WHICH IS OFFERED AS A BENEFIT AND MEANS OF CONSOLIDATING SEVERAL ACCOUNTS INTO XXXX. CAPITAL ONE DID NOT PROVIDE ANY DISCLOSURE STATING THAT UPON COMBINING MY ACCOUNT, THE ACTION WOULD BE TAKEN INTO CONSIDERATION DURING CREDIT LIMIT INCREASE REVIEWS. I WOULD HAVE NOT OPTED FOR THIS COURSE OF ACTION IF I WAS MADE AWARE THAT IT WOULD REPRESENT " A RECENT CHANGE TO ACCOUNT ''
XXXX, XXXX and Transunion have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.
The number of qualifying payments eligible for PSLF being reflected on my billing statements is incorrect. I have contacted the company several times by email and never receive a response, and I have also faxed them and mailed them all of the information proving that the qualifying payments are not accurate. The first fax they responded that my employment verification dates showed a start employment date that was prior to my employment end date which was just completely not true. I included the employment certification again, along with my credit report showing how many payments I have made on my student loans and every other piece of information I could find to prove the payments reflected are incorrect. I requested that a supervisor handle the request since my first attempt had been so blatantly blown off by somebody just trying to respond to the fax quickly without actually making sure their response was accurate. I have never received a response to the second fax and mailing or the many emails I have sent attempting to check on the status of this.
I have made all payments on time since I leased the vehicle in  XX/XX/XXXX . I made a payment in  XX/XX/XXXX  that they did not credit to my account. I have faxed them proof of the payment and also submitted proof of payment on a prior CFPB complaint which shows as closed because GM Financial responded to it. Although they responded, they did nothing to track down the payment. They cashed the payment immediately upon receipt, but as of  XX/XX/XXXX  no payment is credited to my acccount.
I have been excessively charged throughout my time add a customer of Wells Fargo. The amount in overdraft fees I have paid exceed {$1100.00} to date. Recently they have " reordered transactions '' in order to impose a overdraft of an item that is automatically debited each month, first of the day. I check my balance regularly to prevent any mishaps. This particular item was later reordered after another checking my balance notice no pending transaction, and available funds, in order to make a transfer into a family member account. Again I check my account and notice a negative balance because the reorder, I then go and make a deposit to cover account in arrears in cash. Though trying to prevent fees, this Result in a fee incurred. This is a business account, which have merchant deposit directly into the account. I receive notification of monies deposited on the same same day in discussion. however, Wells Fargo Bank fail to show this deposit or recognise this transaction in order to impose fees. Upon which Wells Fargo Bank decided to overlook that and charge me anyway. This is a summary of the latest incident which occurred XXXX/XXXX/16. I spoke to associate about reversing and to explain practice, which he denied any bank error had occurred and denied my request.
I received a call from Bank of America in XXXX 2014 that they suspected a checking account was being opened in my name fraudulently. I confirmed that yes, it was fraud and that I had not opened any accounts with them. I then contacted all credit bureaus, the FTC and filed a policy report for identity theft. The credit bureau reports confirm identify theft and removed the information from my credit report. I assumed that I took all necessary steps to correct this issue, but this week as trying to open an account with my credit union, they ran a XXXX report and it indicated that Bank of America charged off {$1900.00} in my name and upon calling Bank of America to have this removed, they are now telling me that they have no record of any of this 2 years ago and that it is going to take 30 days for them to complete the investigation. # XXXX, if they called me and removed it from my credit, why do n't they have record of it and # XXXX, I do n't have 30 days for them to complete this for me, as my lease is up on XXXX. I need them to find the information from XXXX and at least provide an email or statement to provide to the bank and they are unwilling to do any of this. Even after I offered to provide them the XXXX Report finding, FTC reference number and police report. I did go ahead and file a dispute with XXXX individually, but they also indicated it could take up to XXXX days.
COMMERCIAL TRADE BUREAU has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe COMMERCIAL TRADE BUREAU any alleged debt and demand them to provide proof of claim with authenticated verification. COMMERCIAL TRADE BUREAU has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
I have contacted these companies over and over again I have had my identity stolen and all these inquiries are plain out crazy. I have called and I can not get a representative on the line I have also did plenty of disputes and there response is it 's mines and it is not mines.
XXXX account balance was paid of {$220.00} and only showing through XXXX affecting my transunion score.
I received my social security check by direct deposit into an account at SunTrust Bank on Wednesday. I paid bills and was prepared on Friday to purchase prescriptions and groceries. However, my card would not work so I called the bank. They informed me at that time that my account was being closed, my funds were frozen and that they did not have to tell the reason for the closure and did not have to issue my money to me that day. That they would issue a check within 10-15 days. I spoke with them several times, and finally called my US Senator 's office who advised me to go to the bank personally and talk to them. I was given the same answers there. They have closed my account, a check would be issued within their guidelines and they do not know or can not tell me why. It has to do with their " rules and regulations ''. I was contacted today by someone who had been in contact with the Senator 's office and was told that " they are investigating it ' and that the investigation will take at least three days. After that, they will let me know what they find out and when they will let me have my money.
Trans-union reinstated inaccurate information after its was corrected and deleted from XXXX credit report. 

On XX/XX/2017 an inaccurate information was deleted from my credit report. XXXX XXXX XXXX was the original creditor. The amount that was deleted was for {$210.00} On XX/XX/2017 Trans-union reinstated the same information, thereby dropping my score significantly. 

As a result, I am unable to move forward with obtaining financing and have suffered a financial lose because of it.
I open and account with. Capital One 360 Checking and Capital One close my account without my permission because of fraud activity please help me fix this problem
XXXX, Sallie Mae, XXXX XXXX XXXX XXXX are all reporting the same loan on my credit reports multiple times, with varies dates. When I dispute this information the reply back that the reporting is correct. 
The XXXX is reporting, Sallie Mae us reporting, XXXX / Sallie Mae is reporting on my Equifax and Experian. Now XXXX is reporting on my Experian also. 
This looks like I have had XXXX / XXXX accounts for student loans. It does not help that I defaulted, so the negative information is being counted multiple times. My XXXX loan accounts have been paid off in full. I attended XXXX.
I have yet to received chip-enabled debit cards for any of my bank accounts. The banks that I deal with for my business and personal accounts -- - XXXX -- -- are postponing the issuing of chip enabled debit cards for customer accounts. The banks have chosen, for their own protection, to replace credit cards with chip enabled technology, but are in no hurry to do so for debit cards. This places bank customers at higher risk and exposes customers, like myself, to loss of funds for what can be a considerable period of time if there is unauthorized use ( because of the way that the banks drag out investigations ). I believe that the failure of the banks to protect customer funds by issuing chip enabled debit cards simultaneously with or prior to replacement of credit cards is unfair and unreasonable. I believe that the CFPB should pursue this matter.
On XX/XX/18, around XXXX Eastern, I deposited a check in the amount of {$250.00} into my Ally bank checking account. Because of an overdraft issue in the past, the hold for a new deposit into my checking account lasts for five days. Previously, in correspondence with the bank, I was told the way to avoid this in the future would be to deposit the check into my savings account, which was not subject to that hold, and simply move the money into my checking. This is what I planned to do with this check, but simply made a clerical error in the deposit. As such, I called the bank to correct this error and move the check into the other account, where the hold would not apply. 

Calling at XXXX Eastern, I first talked with an associate and then a supervisor who informed me that the deposit had already been approved for the checking account and could not be moved. Both told me, in identical language, that Ally would be restricted from releasing the hold by federal law. I believe this is a lie and a gross representation of the Expedited Funds Availability Act, which simply *allows* Ally to place an extended hold because of prior overdrafts, but certainly does not mandate it. The supervisor told me to all back in the morning, and progress might be made once the check could be seen in the system. 

I called again at XXXX Eastern. Talking with an associate, I was told that there was no one, at any level of the bank, who would have the power to release the hold. I explained again that this was a simple clerical error, that if the check had been deposited into my other account, the funds would have already been made available. He repeated his claim that no one at the bank has the ability to release it. I again escalated the call to a supervisor, who repeated the lie that Ally could not release the hold without violating Federal law. She refused to fix the issue and multiple times denied that there was any way to escalate a claim beyond her. After minutes of probing, I was finally told that the claim could be escalated to an executive resolution team and I requested that be done. This process can take up to three business days, at which point the issue may very well be moot, as funds will be available the next day. 

The inability to access these funds is the difference between eating and not, and being evicted or not. Also, an automated payment has now hit the account, and I have been informed by Ally that I am once again in overdraft, despite the fact that the {$250.00} sits in my account approved but " unavailable ''.
XXXX   XXXX   XXXX  is saying that I owe {$550.00} for a  XXXX  bill. I have no outstanding bills with this hospital or   XXXX   XXXX    This was not me
I know at least one credit reporting service, Equifax has an improper previous address for my personal information.I contacted them maybe a year ago and asked for it to be corrected. It had created a problem at the Social Security log in page.I answered a question correctly but got locked out from site because of the error. The problem is my address box number has always been XXXX but somewhere it was inputted as XXXX which makes it appear that I lived in a previous location.
I attended XXXX AL location from XXXX and took out a PEAKS private loan with the school as they made it seem that was my only option to receive financial clearance in addition to my federal student loans. The school electronically signed most of our financial aid documents without our knowledge. They would call us into the office and tell us everything was already filled out and to agree to terms etc. I am still struggling to pass my XXXX graduation nearly 2 years ago now. I never did trust the school with my financial aide because it was all so under the table and pre-filled out. At this point I am drowning in interest from all the loans I have had to take out to receive my education from XXXX and I do n't feel it is fair for a school that is known for its fraudulent techniques with money to continue to be able to make money from me long after they filed bankruptcy for fraudulent reasons and closed down.
My husband had a credit card with XXXX XXXX XXXX. he opened it in XX/XX/XXXX. I never co signed on this account, I never had a credit card to this account, don't know the credit card number or verbal password to the account. My husband 's daughter got power of attorney over her dad and then he passed away on XX/XX/XXXX. That's when I find out my name was put on this account without my permission. I have tried on countless occasions talking to XXXX  XXXX XXXX about this matter and they will not listen to me. I keep telling them it was fraud what my husband did. they keep telling me I owe this money on this account in which I never had a credit card to. I never made purchases with the credit card, because I never had one. I guess the credit card is with his daughter in XXXX where she lives. I have talked to XXXX XXXX XXXXXXXX about it and they want to argue with me and say I am reliable for it. my step daughter used this credit card 2 days after my husband passed away. I am a XXXX woman who can hardly walk and they are treating me horrible. and because they wont listen my credit score is dropping. Like I said I had nothing to do with this credit card. please help me.
I submitted my borrowers application on XXXX and uploaded and sent in all of my information to Roundpoint Mortgage via email to both XXXX XXXX and XXXX and believe they are prolonging the process unnecessarily and have attempted to reach the dedicated representative on XXXX occasions. If it were any documents missing, this information could have been left on the voice mail versus sending a letter in the mail to prolong the Loss Mitigation Process. We are very concerned that our Loss Mitigation Paperwork is being mishandled and on purpose being prolonged for not helping us alleviate our extenuating financial circumstances based on my daughter who was hospitalized for over 34days in XXXX and my seeking employment. 

We are Military Veterans and requesting immediate help with our VA Loan Mortgage situation. All the supporting documents were sent to both emails. Why is there an unnecessary delay in processing our loan modifications. Also, when I call the XXXX, I am not able to speak to a live representative. I believe they changed something in the system which now hinders us from gaining immediate access to any represenatative in Loss Mitigation. Why did the prompts change last week? 

We need help with our VA Loan!
I received a letter on XX/XX/XXXX from Southwest Credit Systems that they were collecting {$30.00} on behalf of XXXX. I called XXXX today ( XX/XX/XXXX ), and their Collections department confirmed I had an outstanding balance of {$30.00} on a recently closed account ( XX/XX/XXXX ), but that the {$30.00} was still showing on the account, and it had not been assigned to a collection agency. I paid XXXX the {$30.00} directly, and received a payment confirmation. When I called Southwest Credit Systems back to explain the money had been paid, they said they were waiting for confirmation from XXXX so they could close their account. But why would XXXX contact them, if they never contacted Southwest Credit Systems to begin with? When I asked this question, the Southwest representative simply said " there 's no way that could happen. '' Needless to say, the whole situation seems fishy.
loan XXXX have attempted to get a loan modification several times Ditech has used my social security number without my authorization Ditech says this is a factor to qualifying for assistance and modification which they can not do Ditech has pulled my credit without authorization Ditech now tells me that's their policy I never allowed it I have contacted the investor