WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a copy of my Experian Report. As Experian is not helpful regarding rectifying issues, I was advised to send this letter. There was an inquiry by XXXX XXXX on my report unbeknownst to me, was not authorized, and I am unaware of any purpose as I didn't not authorize or sign up for anything on that date. XX/XX/18. An immediate response is requested. Based on the FCRA and my consumer rights. This needs to be addressed. I contacted the company and no response. 
XXXX XXXX XXXX XXXX
Last nigth around XXXX XXXX i get a email with a alert that some one try to open a Kohls/capone store charge card, so i call the company and they transfer my call 7 time, because of this, low service not helping at all people information, i call the Corporate Department, now here they transfer my call to another office ware no one can pick the phone. Some one steel my information in XXXX, ... .and i report this to credit credit bureaus..nut i also need some paper work from Kohls.
Numerous calls to my cell phone and my wife 's. She is not on the account and they told her she was which is a lie. 
Called on my cell phone # XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX  XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX XXXX XXXX/XXXX/XXXX @ XXXX XXXX Called on my wife 's cell phone # XXXX/XXXX/XXXX @ XXXX XXXX
I have sent notices to XXXX XXXX XXXX XXXX whose address is XXXX. XXXX, XXXX XXXX XXXX, XXXX, CA XXXX and have asked them to verify and validate this supposed debt. So far, all they have sent me are copies of billing statements. I have also asked for and have a right to documentation with my signature that shows I owe this debt and an agreement that grants them the authority to collect on this alleged debt. I also would like a copy of their state license, including the license number which gives them the legal authority to collect in the state of Ohio. Again, I have received nothing from them other than some billing statements. I have no signed contract with this company and they have provided me nothing whatsoever with my signature on it.
In XXXX 2015 I visited my local Citibank branch and was told about their great bank account the citi gold account. While I had no need for this bank account since I already had XXXX, I was told about all the benefits of the account and a XXXX point sign up bonus as well which I was to receive 3 months later. This sounded great and I signed up for the account. Now 5 months later when I requested my points they said there was no such offer for me which is directly contradicting what I was told at the branch. I am outraged how a big bank like this can make such empty promises and expect to get away with it. I hope they give me the promised points.
Customer ordered appraisal with TD Bank and was charged for the appraisal. Customer decided to proceed with another mortgage company who proceeded to get the appraisal transferred. After numerous hours on hold and several unanswered emails TD Bank finally sent loan officer email about a week later stating that TD Bank does not transfer appraisals.
In XXXX XXXX, I took out a mortgage with XXXX Mortgage XXXX, XXXX. They advertised the lowest interest rate and lowest monthly payments at the time, that was the reason I decided to take out the mortgage loan. However, the monthly payments ended up being to high that I was not able to afford them, which is the reason I defaulted on my loan in XXXX of that same year. Then in XXXX of XXXX, I received a Summons and Complaint that Wells Fargo started to foreclosed on my home. I tried making arrangements such as doing loan modifications with the bank but I have been denied several times. Lastly, I was selling my house as a short sale because it would help me not to accrue debt but the bank decided to place my home on an auction sale.
Medical bills were to be sent to auto insurance company for car accident. The was never sent to insurance company for processing, How Remex Inc a debit collector got my phone and acquisitions that they sent me statements and I did n't respond. They never sent any thing and didnot even have the right information. Even after i ask them to send me a bill they gave me the run around and also filed false information on my credit report.
I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time.
Enrolled in XXXX preferred without my consent. I 'm XXXX years old and Noticed I 've been charged for this service. My XXXX is not what it used to be, and once my daughter started looking at things she noticed that funds were being withdrawn. Reference number : XXXX
I contacted the collection agency in regards to my credit report over 30-days ago. I told them this account should be included in my bankruptcy. However they have not updated the information accurately. The are still reporting the account as OPEN which is should not be reporting as an OPEN COLLECTION ACCOUNT. This information is not accurate AT ALL.
I am A XXXX Veteran being treated for XXXX XXXX by the VA hospital in XXXX. I do some time remembering thing, but it does come back. I had two Discover credit cards XXXX and XXXX, which I stop using in XX/XX/XXXX due to them not Honoring the payment protection plan that they made me carry that was ruled illegal by a federal court in XX/XX/XXXX and again in XX/XX/XXXX. Discover sent in negative credit reports to the credit reporting people wall rising my credit limit to {$30000.00} each card. And then charging me for transferring money to some account in cyber space. They claim it was hackers or computer problems. But this was what the courts in XX/XX/XXXX and XX/XX/XXXX ordered them to stop doing! It was proven that employees were doing this! It seems that they believe that due to the Federal court being in New York the federal orders do not apply to people in Michigan!!! I have been hassled by them for over 6 years, them charging my cards that I stop using for money transferred to cyber accounts in XXXX XXXX. Saying that they would take me to court and put me into jail, or take my home if I did not pay. In addition it seems that Discover has giving my SS number to people who have NO legal right to have it!
XX/XX/XXXX received a personal loan from huntington bank and the loan manager offered me a life protection insurance to protect us if one of us was killed. He asked if I had any diseases and told him had XXXX XXXX and he then gave me the insurance protection for my life for duration of loan as part of the loan. we thought we had life insurance coverage for the loan of XXXX as part of loan. on record date XX/XX/XXXX was sent a notice from huntington with another offer for life insurance/XXXX to cover the loan amount of XXXX we called the loan manager and was told we had the life insurance coverage and no need to complete unless we wanted XXXX insurance as both life insurances would not pay for the loan but each 1/2 if should die. unfortunately end XX/XX/XXXX my husband passed as a result of a XXXX XXXX and an extended delay from XXXX XXXX XXXX. asked for the process of the claim and was told they would not honor the claim as we had misrepresented my husbands health condition 2 years prior to us applying for loan and offered the life coverage. we had not done so. my husband did have XXXX XXXX and we revealed this to loan manager. applied for loan to be covered by the insurance on XX/XX/XXXX case # XXXX now called XXXX XXXX life claim. on XX/XX/XXXX they sent out a denial stating that he was not eligible for the protection when he applied although we had paid almost 3 years in premiums. the denial was because we signed a form saying my husband had none of the following in past 2 years. " during the past 2 years have you been treated for, or been told you have a XXXX XXXX or XXXX XXXX ; XXXX or XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX or XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) or XXXX related XXXX XXXX XXXX XXXX ( XXXX )? '' as his spouse and do believe his physicians would have answered this question as no on XX/XX/XXXX if it had been read to us which it was n't. he had XXXX in XX/XX/XXXX and had a XXXX shut down at time and few follow-up appointments for awhile to make sure no problems and the functions improved and he had no XXXX problems. he had some XXXX problems and they state dr. coded as XXXX but he received no treatment for XXXX before entering XXXX as result of XXXX XXXX and all XXXX XXXX XXXX XXXX for the injury. the plan analyst was contacted to try and resolve this as my husbands death was result of an accident not disease but they stated di n't matter as he was not eligible for the coverage. the plan say that this is not an insurance product as was filing with insurance department and the plan analyst sort of taunted there was no regulation of this product. this appears to me as a way for the bank to make money off customers with no payout. feel this is wrong.
TransUnion, XXXX  and XXXX  failed to do a proper investigation regarding XXXX XXXX XXXX, and as a result kept it in on my report. By failing to do so, they behaved illegally by breaking Federal laws. XXXX XXXX XXXX committed identity theft by having it reported to all three bureaus by claiming I owe this debt when this isn't the case.
I am writing in reference to a released XXXX XXXX that is reporting on my Transunion and XXXX credit report as XXXX # XXXX. The XXXX is released and the documentation is attached to this complaint. I have filed numerous investigations in efforts to having this public record removed both by letter and phone most recently XX/XX/XXXX and the receptionist at XXXX stated that she could not remove it although it did not meet the current guidelines under the new law effective XX/XX/XXXX that any public record data must include Name/Address as well as XXXX XXXX Number or XXXX in order for it to appear in your credit file. This is the same XXXX XXXX that XXXX removed from XXXX investigation. Transunion or XXXX has not updated their information and per the new law the Released XXXX XXXX listed does not include all the required information and should be deleted from my credit report.
I have an account with XXXX XXXX since XXXX and my account # is XXXX. I have multiple cars in that account which included the car violation notice received. I 've received many Collection Notices from the XXXX XXXX XXXX, XXXX stated that I owed them {$1500.00} for toll violation with the car XXXX. This car was in my XXXX account since XXXX XXXX. Every single cross to bridge, the toll deducted from my XXXX account but their system still creating the violation notices. I spoke with XXXX Customer Services and they told me to contact the XXXX XXXX XXXX, XXXX. I wrote letter to them ( please see attached ) along with XXXX account and violation notices. I believed the violation notices was in error but they are not willing to clear my account. Because of those violation fees, my XXXX account have a negative balance.
Well i'am trying to buy a home and all of sudden these people from Transworld Systems Inc. want to put a collection on my credit report XXXX XXXX XXXX ) a very old collection from 2013 or so i believe I never received a notice from them at all. I tried calling several times unable to get a hold of anyone. 

Its an old collection, reported as new, as said i called the number on the credit report and it wasnt accurate, found number on the XXXX  website, gave last 4 digits of my social, they could not validate the account. i also filled a complaint with XXXX   and they were unsuccessful in obtaining a response from the company. 

So i'am asking because they could not validate the account is there anyway i can request a deletion. My wife and I are having a very difficult time trying to get this matter resolved. Please any kind of help would be great.
I submitted a balance ONLY dispute with Transunion for an authorized user account with XXXX XXXX XXXX XXXX XXXX XXXX xxxx ) in XXXX because the balance was XXXX and it was not reflecting that. I was informed that Transunion simply deleted the account without investigating it and has refused to add it back to my credit report even though it has been confirmed twice with XXXX XXXX that they have reported the account this month and has sent a dispute to them via my request to add it back. This is a violation of FCRA law, my credit report is not accurate because of their refusal to add key credit factors to the reporting. I am requesting your assistance to enforce the law and have them add the account back to my report immediately.
i have hard inquiries that appeared on my credit report across all three credit bureaus XXXX, XXXX, Experian on various different dates. I have contacted all three bureaus by mail about this incorrect information on my report. All three bureaus replied stating that it was my responsibility to investigate these creditors & matters individually. 

( XXXX ) XXXX XXXX - inquiry from XX/XX/XXXXXXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX ( Experian ) XX/XX/XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX - inquiry from XX/XX/XXXX XXXX XXXX XXXX inquiry fromXX/XX/XXXX
I have been receiving repeated phone calls on my landline from a recorded voice caller with a gruff male voice who identifies himself as a debt collector. The recording does not identify the company the caller represents. He demands I call them back at XXXX. My caller ID shows the call is from XXXX, Texas from the number XXXX. I called the XXXX number and asked who they were, The man told me they are XXXX XXXX XXXX. He said he had a number in this file from a certain person. I told him that no such person resides here. He said he would mark it as an invalid number and we should not receive any further calls. I can not understand why we are getting several calls each day from this so-called debt collector. I looked up the problem on XXXX and found numerous others that are also receiving calls from this same source multiple times each day and are very concerned. I contacted my phone service provider and set it up for them to try to block the XXXX number on my phone line, but, as you know, these companies keep calling from a different number.
I purchased security for my computer in XX/XX/XXXX from a company named XXXX. They did not provide security, they actually put spyware on my computer. On XX/XX/XXXX, I received a phone call from said company, the person stated that XXXX had bought their company and was no longer going to provide security. I was asked if I wanted a refund. I said yes. I was then a victim of their fraud/scam. Somehow they we able to get into all of my accounts with Wells Fargo, transferred money from all my accounts making it look as though they refunded my money. They told me they made a mistake and refunded me {$7400.00} instead of {$740.00}. They told me to withdraw the overage amount and deposit it into another Wells Fargo account, I did so. When I realized that something was going on after looking at all my accounts, they had made several other transfers between my accounts. Within hours I contacted Wells Fargo Fraud Dept.. I have been working with Wells Fargo since XX/XX/XXXX in regards to all this. They are really good at transferring you to several people until you are thoroughly confused and frustrated. I received a phone message on Friday, XX/XX/XXXX at approximately XXXX from " XXXX '' from the fraud dept.. She went on to say that she was ready to credit my account for the refund, but that she wanted to talk with me first. I returned her phone call, but got no answer. I called again on Monday, XX/XX/XXXX, no answer. I left messages both days for her to return my call. On Tuesday, XX/XX/XXXX, her message said she would be gone until XX/XX/XXXX. I then called another customer service number, only to be told by them, that my claim had been denied. I asked " Why did XXXX from fraud dept. call me and leave a message stating that she was ready to credit my account ''? I have been getting the run around the whole time I have been dealing with Wells Fargo. I also have XXXX message saved on my phone. I am a XXXX year old single female and have no one to help me. My life has been turned upside down by all of this and I am in fear of having a nervous breakdown or worse from this. Wells Fargo is now claiming that I owe money on my personal line of credit, my credit card and has reported my name to the credit bureau 's. I am the victim and I did not do anything wrong. One of their employee 's even said to me that I had transferred the money in question, which I promptly told her that I did not. Wells Fargo does not stand behind their customers. They have devastated my life. I am unable to pay my living expenses and am in fear of being on the street with nothing.
I had a mortgage with CountryWide home loans that was a conventional6 % fixed rate loan. CountryWide went bankruptcy and Bank of Americatook over the loan and my mortgage became FHA loan without mesigning any paperwork. Then I ran into trouble paying my mortgage andcontacted Bank of America who said they were going to defer XXXX payments to the end of mto the end of my loan. What they actually did was a modification andadded 16 years to my loan and over {$16000.00}. 
When I sat in the closing with CountryWide they told me they wouldnever sell or transfer my loan that was misleading and untrue. 
I 'd like to know how my loan went from conventional to FHA and how {$16000.00} was added to my loan. 
I also took a home equity loan with CountryWide that was transferred toBank of America then to XXXX XXXX. I was charged fees for paymentsand had payments that were n't applied correctly to the loan and whenXXXX XXXX took over the loan they harassed me and threatened me onregular basis about payments,
My mortgage was transferred from XXXX XXXX XXXX to Nationstar, in XX/XX/XXXX. I was not happy about this transfer and asked if I could have my loan moved back to XXXX. This was denied by Nationstar. I have always made payments to nationstar on time. In XX/XX/XXXX, I was alerted during a credit check that my credit report showed a missing payment to Nationstar. This was the first time that I was made aware that I had any payment issues with NationStar. They have never contacted me for not receiving the full payment. in XX/XX/XXXX they held a payment from me for 30 days because they viewed it as partial, however they did not apply it to the principal. The money was " un-applied ''. I have spoken to Nationstar on three separate occasions and they have told me they would start an investigation. However, I have never received any follow-up and each time I speak to them it is a complete restart from the beginning. The last two days I have tried to call them I was automatically hung up on. I tried to call them multiple time on each occasion. There has never been a missed payment to Nationstar, they did not apply the payment because it did not fully cover the escrow and insurance increase. However the payment made was enough to cover the principle, interest in full. In XX/XX/XXXX I tried to re-finance with Nationstar and was told that I would have to wait until I had two years of taxes showing my XXXX income. They did not mention to me that there were any payment issues with my account. After receiving the credit report I was able to determine that Nationstar has records that only a partial payment was received since XX/XX/XXXX. For over a year they knew that there was an issue with a partial payment to my account, this is only partial based on the calculated escrow account. I never received any calls or written letters. The amount I have to increase my payment changes two times a year. I have never received any personal call from Nationstar. I am constantly receiving automated calls from them, however whenever I call them the calls are always opportunities. I need to have this missing payment removed from my record.
In late XXXX 2016, I listed my home for sale because I could not pay the mortgage. On XXXX XXXX, 2016 I received a notice of Intention to Forclose Mortgage. I had spoken to the mortgage company several times and knew this was coming. I wanted to work with them to turn over the home to them as soon as possible to minimize the loss for everyone. On XXXX XXXX, 2016, I was assigned a " single point of contact ''. His name was " XXXX '', but he could not provide a last name. I called numeous times including XXXX/XXXX/2016 and XXXX/XXXX/2016 and spoke to different people. On XXXX XXXX, 2016, I mailed the " Loss Mitigation '' package to the company by regular mail. " XXXX '' acknowledged receipt several days later. I spoke to him several times and mailed in a revised IRS XXXX form as requested and sent a copy of the real estate listing agreement as requested. XXXX assured me the matter was a " slam dunk '' and the closing would occur in 45 to 60 days. ( I was later told it would have closed on XXXX XXXX, 2016 ). Instead, I received a letter saying my request was denied due to missing bank statements. IN FACT THE BANK STATEMENTS HAD BEEN SUPPLIED. I called many times to get this completed and spoke to a different person each time. I was told " XXXX '' quit, there was package there but " there was nothing in it '', the package itself no longer exised but it " was in the computer ''. I was often told documents that I had suppled were not there. Eventually I was told the time had lapsed and I had to begin all over again. These calls included the following : XXXX/XXXX/16 ; XXXX/XXXX/2016 ( the system was down ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people ) ; XXXX/XXXX/2016 ; XXXX/XXXX/2016 ( XXXX calls, XXXX different people. ) I once again completed the package, ( it took WEEKS to get another copy ) and mailed it in. They denied receiving it but depending on who I spoke to some of the people seemed to have some of the documents I sent. I sent it AGAIN by certifed mail on XXXX/XXXX/2016. Since then they have asked for douments that do not exist, such as XXXX forms in connection with a sale and documents already received. I am told my file can not be assigned to any particular person. In the meantime, on XXXX XXXX, 2016 they filed a forclosure action in court. I tried contacting the attorney who signed the complaint, and was told she " left the firm ''. The attonrey who was taking over the file did not have the file the first time I spoke to him. He is polite and usually returns my calls but seems unable to help.