WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Consumer Relations : Please be advised this letter is being sent to request an investigation with your agency in regarding the inaccurate entry being reported onto my credit report under Bankruptcy Chapter XXXX-Dismissed for account # XXXX. I have repeatedly asked TransUnion for evidence to support their reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by Bankruptcy Chapter XXXX-Dismissed, XXXX and XXXX, substantiating their claims. 

Secondly, I have requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe they are acting in bad faith and have not complied with the Fair Credit Reporting Act, I had no choice but to file a complaint with the Consumer Financial Protection Bureau. 

Furthermore, the Bankruptcy Court states within their letter that they do not report public records with any credit reporting agency. Also the security freeze prevents XXXX and XXXX XXXX from releasing any of my reports. Please see attached copies of documents that substantiate my claim. I request TransUnion to please look into this matter immediately and correct the inaccuracy within the time frame required by the Fair Credit Reporting Act ( FCRA ). Also, I will need you to inform me in writing of the results of your investigation. Please also send me my updated and corrected Credit Report as soon as your investigation is finished. 

Lastly, the TransUnion representative Mr. XXXX, XX/XX/2018, upon request, refuse to supply me the name of the source and agency that was use to verify relevant information regarding my dispute that the agency has received. Mr. XXXX, also stated my complaint was finalize and closed and status sent in the mail regarding disputed public record. When I question the procedure use and name of source, he told me you are breaking up and that he could not give me any information that was use in the dispute. 

Thank you for your time and consideration in this matter. 

Sincerely,
I have been asking for mortgage assistance since XXXX XXXX. My account manger was non-responsive and I did not receive any update until early XXXX, when I was contacted by XXXX XXXX, AVP of servicing. She stated that my account manager was no longer with the company but had no idea why my new account manger had not been in contact with me. He finally was able to reach me by phone in mid XXXX and despite multiple requests to contact me via email, refused to do so until last week. 

I have finally received a determination from Fay Servicing and find it completely unacceptable. They will not offer ant loan modification arrangement other than the option to short sale the home, an option which is not going to work for us because we are severely under water- we 've owned the property for 10 years and it is worth less than we paid for it. It should be noted that I did not receive this notice from Fay Servicing, I received it via complaint I filed with the BBB- and the letter has the incorrect address on it, indicating the account manger did not change the address as he stated. 

I am a XXXX XXXX XXXX XXXX, previously worked for the XXXX XXXX XXXX as a XXXX XXXX XXXX serving overseas in hardship posts such as XXXX and XXXX. We had always made our payments on time until XXXX XXXX when our tenants decided to break their lease and we were unable to find new tenants in a timely fashion due to the housing market in our area. We have since secured new tenants and fully expect to be able to pay our mortgage on time, we are simply asking that the balance from the missed payments be added to the mortgage and that the late payments be removed from our credit report. This is necessary because I have a XXXX XXXX XXXX for my job and a poor credit rating puts me in danger of losing it, and my job. 

This is a serious matter which we believe has not been taken seriously by Fay Servicing and if we are not provided adequate assistance we will have no choice but to involve attorneys which we would rather not do. 

Please let me know if you need anything else, XXXX XXXX
After a review of my credit report, I found that Midland Credit Management has been incorrectly reporting a paid collection to the credit bureaus Experian and TransUnion. I have written XXXX letters to Midland requesting a goodwill removal of this paid collection from my credit report and they have refused to do so, stating that they are accurately reporting this information. I have taken it upon myself to illustrate exactly what is wrong with Midland Credit Management and how they are incorrectly reporting this item on my credit report, causing unnecessary damage to my report : Midland violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account as " Terms : 1 Month '' on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency " Terms : 1 month '' on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account. on my XXXX credit report. 

Midland violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency for not showing the account as paid and closed on my XXXX credit report. 

Midland violates FCRA 15 USC 1681s-2 ( a ) ( 5 ) ( A ) for failing to include the original delinquency date of the delinquent account on my XXXX credit report. 
Disputing Account # XXXX with Midland Credit ManagementWith respect to the " Terms : 1 month '' notation on my XXXX report : I do not have any known " Terms : 1 month '' agreement or contract in writing or otherwise with Midland Credit Management. 

This dispute is with Midland Credit Management, not XXXX or XXXX.
On XX/XX/XXXXa correspondence was sent via certified mail along with an Affidavit of truth/Identity to Common Wealth Financial Services after receiving an alert on my credit report in regards ta an alleged account ( # XXXX ) a medical account that was originally established between XXXX XXXX XXXX XXXX on/or about XX/XX/XXXX. By it being a medical account I requested verifiable proof of them having original contract between myself and their company with my wet-ink autograph ; the contract with myself and XXXX XXXX XXXX XXXX signing giving permission to disclose such private info as it violates HIPPA of XXXX/ FDCPA 807 [ 15 USC 1962e/ Sect. 609 ( a ) ( 1 ) ( A ) ]. Haven't heard anything from them since and their mark on my credit file is damaging. I informed them that if a fair resolution isn't reached then legal matters will entail. By way of Notice of Fault & Opportunity to Cure, Affidavit of Notice of Default, and Affidavit of Certificate of Non-Response will follow and will follow with legal matters and ask for jury trial to remove from small-claims court jurisdiction to obtain larger settlement.
When attempting to get cable service with XXXX, which I had had before in my previous state, they charged me a {$100.00} deposit saying my credit was n't that good which is a lie. My XXXX is over XXXX. But the agency they use, Lexus Nexus, had a report showing XXXX and had information missing, which I attempted to call them and have them rectify to no avail. I spent several hours on the phone with them over several days trying to straighten this out only to get the run around. They would never send me a credit report for me to correct their mistakes. I also disputed this with my credit card company. Lexus Nexus has the worst customer service I have ever seen. I was literally screaming at the lady on the phone to correct there mistakes and she just gave me the round around. Something has got to be done.
This letter is in response a letter dated XX/XX/2018 from XXXX XXXX   XXXX, XXXX claiming I owe them {$700.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXXXXXX, XXXX this amount.
I have called, faxed, sent letters in regards to two items on my credit report that Are fraud accounts, I have requesting the agency send me physical proof on how they are verifying me and after several attempts they are not sending me any proof, they just keep saying verified. At the time these accounts was opened in my name I was in police custody. I was XXXX for 3 years and my identity was stolen. The XXXX XXXX XXXX XXXX XXXX listed on my credit report is a fraudulent account. The XXXX XXXX account listed on my credit report is also a fraudulent account. I am needing physical proof as it is law that the reporting bureau must provide proof as to How they verified you.
Ageny will not permit me, as a paying customer of theirs, to utilize the online dispute process for which I am paying a premium to use. 

" Error : XXXX-Your access to the TransUnion Online Investigation Service has expired. If you believe that information contained in your TransUnion Personal Credit Report is inaccurate and would like to request investigation or change of information, please visit www.transunion.com to learn how to submit your request by mail or by phone. ''
I have disputed the following with Experian several times as the remarks are past the statute of limitations, not verifiable and they do not seem to follow the law. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX Requesting some help
On XX/XX/XXXX I received a letter from Franklin American Mortgage that my XX/XX/XXXX payment was XXXX less than the correct payment amount. I called the customer service line and was informed it was due to no proof in insurance, they forced place insurance coverage on my mortgage resulting in a short payment. I subsequently sent them a copy of my contents policy ( HO6 ) with them listed as additional insured. I was informed that they would reverse these charges and my account would reflect everything was normal. 

On XX/XX/XXXX I received a letter from Franklin American Mortgage ( FAM ) company indicating that they did not have proof of insurance coverage. I should provide them a certification of this coverage from the " master policy '' for the condominium association. I called the condo association who gave me the name of our insurance agent who provided me with a copy of the declarations page listing FAM as lean holder. 

My XX/XX/XXXX payment was cashed and it indicated that once again I was short {$73.00}. I called the mortgage company who told me that I did not provide them with proof of coverage for my condo. I asked them to look in their system and the previous conversation regarding the insurance situation. They said they would make the correction and to call them back in 3 or 4 days to verify things were corrected. 

Turns out that FAM was looking for declarations pages for XX/XX/XXXX, not XX/XX/XXXX ( a year and 4 months later ) which no one on the insurance desk or the customer service desk could articulate to me. I did in fact not have my HO6 policy in place for that year and sent in {$880.00} to pay for the forced place policy to clean up my escrow balance. 

On XX/XX/XXXX I sent in my payment of {$1300.00}. This is the payment that I have sent in for the past 4 years. I received a letter about 10 days later along with a check for XXXX saying I was XXXX cents short and they were returning my payment. I immediately sent in another check for {$1300.00}. I received in the mail another letter from FAM saying that they were charging me a late fee for not paying my mortgage on time. 

I called FAM on XX/XX/XXXX and asked them why did my payment go up XXXX cents. The CSR put me on hold, did some research, came back on the line and told me my normal payment was back down to {$1300.00} and that the XXXX cents they added to my escrow account would be reversed. As of the the writing of this complaint, the mortgage still shows the late fee and an escrow balance of XXXX cents. 

My complaint. The customer service line makes comments that they will reverse the situation and correct my escrow account and balances. They continually send me letters that are in direct contrast to what the CSR 's tell you on the phone. My credit has been downgraded, I have been penalized for late interest, my payment went up XXXX cents for no apparent reason. I have once again been promised by FAM that they will reverse all these issues, but have no faith in their promises.
XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached historyof payments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX
On about XX/XX/XXXX, I became aware of the fact that I was likely part of the gigantic breach at Equifax that started as early as XX/XX/XXXX, though news reports and the Equifax " tracker '' online. Equifax apparently did not have adequate security measures in place to prevent this information from being accessible to hackers, nor did Equifax take appropriate measures to alert the public as soon as practical, thereby further aiding and abetting the hackers to use our information.
About 14 months ago, I had unexpected injuries that put me in the hospital and unable to continue working. I reached out to Citi Mortgage to explain my situation and submitted documents/financial information in hopes they could help me get back on track. I did send in documents but the lender kept asking for more and more information and it felt I was continuously sending in document after document, although I had already sent them in. At no point during the review was I provided a designated point of contact and eventually the review was closed because they stated I did not send in all the documents when I in fact did. I reached out to Citi again recently and they advised I had one day to send in all the information again or the foreclosure would proceed. That put a lot of pressure on me and there was no way I was going to be able to send in everything that day. I am now facing a foreclosure sale date in 4 days and out of options..
I inquired about a loan at about XXXX. They asked how much I needed : I said $ 4500-4000. Everything was going well until one of the other representatives got involved. next t thing I know they offered me a check for {$1500.00}. I said no several times but they said I can think about it for 3days. I went home and went right back to return the money at XXXX. by XXXX I had finally gave back the check and cancelled my loan. then they say I can pick up my title in 7 days! but when they convinced me to take the check they said they would put it is pending. All I want is my title back now. they can not tell me a mailman comes to pick up several titles every day, its not cost efficient. I know my title is in one of those filing cabinets ... I feel like they are being malicious because I did n't accept their loan.
XX/XX/2016, I answered an Internet email advertisement about getting a Mortgage on line. I was also talking to a local company about a Mortgage and should have stayed with them. When XXXX of the Representatives from The Loan Depot contacted me ( an Internet Mortgage Company ), I decided to give them a try because of their excellent promises of " getting it done in 30 days ''. I had been warned about on line Mortgage Companies, but these people are good ... .and they talked me into going with them. The process dragged on and on and on ... ... and I really do n't think that Loan Depot steals money from anyone, they just promise money back and credits on your closing costs as long as you do what they say ... ... and then the approval process begins. Now that they have everything you can imagine about yourself, including pictures of your personal items in the home ( proving that you really live in the home ), it drags on and on and on. When they XXXX up, they ignore you. When you drag your feet, Loan Depot gives you the " death promise '' ... ... if you do n't do this or that, you are out, this loan is over. The problem with this loan was that I was coached to say things, send in items that did not exist ( which I did not send ) and then they just NEVER get it approved!! The real confusing thing was that I was told that the Loan was approved, we got a call from XXXX different sources, the Title people and the Insurance people telling us to get ready for the closing ... .and then silence ... ..nobody is returning calls and you start getting the run around. Then, on a Saturday, when they do n't think you are going to answer their phones ( because they are always phone numbers that are blocked ... .DO NOT SAY LOAN DEPOT, like good companies have on their caller ideas ) and you do answer and they tell you at the last minute, this loan is not approved at what amount you needed, but we will approve another lower amount. I told them to go for it, and once again, they started putting me through the " approval process '', unbelievable. So, after almost 90 days of Loan Depot 's promises, NOTHING ... ..and then finally a " this loan can not be done, because you wo n't give us what we need, which is items that are impossible to give them ''!! CONSUMERS, go with your gut, but DO NOT use Loan Depot or any on line Mortgage Company. If you can not go somewhere and look at these people across the desk and make them responsible for what they say, DO NOT play their game. They promise the moon and deliver nothing. Even though, they represent that they do thousands of loans a week ... ... and maybe they do. Nice people, big promises, NO RESULTS!! PS I went back to my local Mortgage Banker, locally, and they are closing on my loan next week for the full amount I needed. Thank you CFPB for allowing us, as consumers to get word out on these kinds of companies.
I have attempted to change the business name and address for my business credit card for the past year, from XXXX XXXX to XXXX XXXX Because the XXXX XXXX name keeps appearing on US Bank 's statements, the Post Office has not been able to deliver the mail with the statement to my business. The " unit '' for my business address must have " XXXX '' for the mail carrier to recognize that the mail belongs to me ; without this, the mail carrier is forced to return the mail to the sender, US Bank. 

Whenever I call US Bank, they tell me different supporting docs are required to have the business name changed. I have faxed US Bank the requested docs at least 4 times since XX/XX/XXXX, and these faxes are attached. The last couple of times I've called, the reps and supervisors on the phone have ensured me they have received everything to change this business name and address, and they need 2 weeks to implement the change. 

As of XX/XX/XXXX, the statement that I must keep pulling online still has my old business name on the address, and I have yet to receive a statement in the mail. 

US Bank must tell me over the phone exactly what proof is needed to have this name changed, not keep changing their story on what is required, and not force their customers to fax multiple times their requested docs. I speak to different reps every time I call, which is expected from a big company like US Bank, but they must be trained to advise their customers consistently, since they are after all one company. They should not make it difficult for their customers to actually pay their bills on time. And I don't know why US Bank has all these requirements just to change the address so that the proper business name appears and the mail carrier can deliver my statements without confusion. 

I assume US Bank is not maliciously making this difficult just to try to have me miss payments, and pay interest.
On XX/XX/2017 I placed a fraud alert and the number I have on fine is the wrong one so when I called to updated they did update it and now that am checking they did not the right number should be XXXX
I have been charged unjustified/random fees at least three times in the last month by Citibank. They have charged me for a returned check, but I have not written any checks in the last 6 months. They have charged me with overdrawn fees multiple times when my account balance was in fact not negative. When trying to resolve these fees with them they only refunded a part of the unjust fees.
I've been working for the XXXX  XXXX  since XX/XX/2005. I just found out after years of paying my student loans that I had the wrong type of loan and am not eligible for forgiveness. I had FFEL loans, and I had no notification that it had to be a direct loan. A federal loan is a federal loan. So now I've almost made 120 payments and don't qualify. This has to stop.
We applied for home equity loan with  Key Bank  in  XXXX  WA with branch  manager   XXXX   XXXX . Closed on loan on   XXXX   XXXX   with manager. We were offer {$110000.00} but choose to only use {$75000.00} of our equity. The next day   XXXX   XXXX   we received letter from  Key  Bank adding the condition they were going to close our credit cards. I went to the bank and spoke with Mr.  XXXX , stating we like these credit cards with   XXXX   XXXX   XXXX   and had had them since     XXXX   and we were not closing them. He said that was a condition of the loan so we followed the steps layout in documents ( see copy of cancellation and mail receipt ). Adding conditions to a contract after it was signed must be illegal.  Yesterday   XXXX   XXXX  my wife noticed a large payment on her credit card account. When I checked mine there was a {$19000.00} payment and   XXXX   XXXX   XXXX   had closed my credit card. When I went to   XXXX   XXXX   XXXX   they said I could not reopen my credit card because that product was not available anymore. Which is why we refused to close our cards. Some how my old card needs to be reinstated and remove payments to mine and my wife 's card  (  her 's was not closed ). Key bank definitely owes me sometime for wasting all this time from a customer of 30 years. Most documents are not signed as Key bank kept signed copies.