WillisBack/dataset-financial-user-claim huggingface dataset:
There were no changes in any accounts from a credit reporting perspective. TransUnion reduced my credit score by ~100 points as a punitive action from my persistent attempts to get them to correctly report my auto loan from XXXX XXXX . I have been trying to get them to correct for over one year with > 10 attempts.
I filed bankruptcy XXXX and was XXXX XXXX. My online account was restricted with Santander and upon calling in to check my balance, employees had no access. After being discharged from bankruptcy. I could see my account was delinquent. I started making regular payment. XXXX. I had no statement or access to my account, but I still made a payment. My vehicle was repossessed XX/XX/XXXX w/o notice which is fine. The problem lies in the fact that after I called to make arrangements to bring my account current, I was told Santander could not confirm that my vehicle had been repossessed. I blindly paid what I owed. I called XX/XX/XXXX to make sure my payment had been processed and I could retrieve my vehicle. The payment had been processed, but there was no formal repossession paperwork so they could not release my vehicle until Santander formally filed the repossession. I spoke with 4 different entities regarding picking up my vehicle. First I was told it was local, and then XXXX NY ... Etc. Finally given the # of the storage facility it was closed. I feel like this has been poorly handled and would like to file a formal complaint. Santander picked up my vehicle XX/XX/XXXX without filing out the proper paperwork or giving proper notice and still have not gone on record to say to me that they repossessed my car. The bankruptcy department has never spoken with me.
please make sure this trade is removed from ALL CRAs. I received notification this was added on my TransUnion report after you stated you sent a record of deletion. Please provide the deletion ID number for reference. See your response below : We have followed our fraud/identity theft policy and have n't had any further communication with the consumer. No future follow up is planned. Our fraud/identity theft policy is once we have been notified of this that we try to obtain a police report from the consumer to provide to our client. We immediately stop all collection efforts and send a record for deletion to all three credit reporting agencies. This deletion will be sent on XXXX/XXXX/XXXX. Please allow 30 days for the credit reporting agencies to update their records. Then we close and return the account to our client for them to further investigate the matter.
New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2017 Alert Type Inquiry Processed Date XX/XX/2017 Inquiry Date 2017-XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX
I am a  XXXX   years old  credit cardholder o f American Express ( " Amex '' ). Due to u nforeseen circumstances, I fell behind on my payment. On Tuesday,    XXXX   XXXX  2017    , Amex attempted to make  XXXX  unauthorized withdrawals (  a/k/a Force Post ) fr om my checking account in the amount of {$980.00} which caused me to incur a charge of {$7 0.00} (  see attachment ). I t hen called Amex to a sk if they had taken money out of my account. The representative informed m e that Amex did  and that I needed to make another payment of {$1300.00} by     XXXX   XXXX   2017    or   they would take another withdrawal from my account, but unbeknownst to me and  the Amex representative the transaction did not go through because I did not have t he funds. I in formed Amex once again not to go into my account and that I would call Amex when I was going to make a payment. I spoke with Amex r epresentativ e on two prior  occasions. First, on Sunday,  XXXX   XXXX   2017  to discuss my late payment and make payment arrangements. I was informed by the representative that  Amex could take money out of my account without my permission. I told the Amex repres entative not to go into my account and felt like the representatives was trying to confuse me and get me to say th at Amex could go into my account. I informed the representative that he did not   have my permission and that I did not have that type of money in my account. I had my daugh ter call Amex on  Monda y,   XXXX   XXXX     2017  and inform  Amex again  that they did not have the authorization from me to go into my bank account. I have always paid my  Amex bill through my checking account, but I did not realize it game Amex the authority to go into account at will. I feel as though Amex is tryin g to intimidate me into committing to something that I can not do by threatening and attempting to go into my bank account without my permission.
On XX/XX/2018 XXXX XXXX dollars was with out my authorization charged to my debit card. Furthermore, XXXX dollars that I already had in my coinbase was also taken from me. 

Everyday since then I have reached out to coinbase through email, phone, and XXXX. They have done nothing to alleviate the situation or even given me acknowledgement.
I submitted a dispute to Enhanced Recovery for a XXXX XXXX account. ERC responded to my CFPB complaint and stated they verified the account and mailed supporting documentation to me on XXXX/XXXX/15. I have yet receive such documentation. Without proper validation of this debt, this TL needs to be removed from all XXXX of my reports immediately. My next step will be the Attorney General 's office.
My husband and I purchased a Jeep Wrangler XX/XX/XXXX with a auto loan from Chase Auto Finance. Due to the extreme financial times my husband and I filed for Bankruptcy XX/XX/XXXX. Our attorney requested several time a reaffirmation agreement from Chase but never received it, they said the mailed it and faxed it. When the bankruptcy was finalize there was not a reaffirmation agreement from Chase. We have made all our payments and received a letter from Chase saying that the loan was satisfied. Recently I was trying to clean up my credit reports and there were several items that were discharged in the filing which I spoke to and they notified the credit bureaus and the credit report was cleared. Chase had a note to the credit bureaus that there was a debt to Chase but it was closed. We asked them to remove this as it its considered a negative statement and affects my credit score. Chase refused to remove it even though they were paid in full. Though out the loan period Chase has been awful to work with as they never sent us any notice when the monthly payment was due since the beginning of the loan even though I requested it almost every month. 
Their position was that the loan was discharged in the bankruptcy filing because there was no reaffirmation agreement with them so they are under no obligation to accommodate us or notify the credit agencies that the comment should be removed.
I sent the 3 credit reporting agencies ( XXXX, XXXX  Transunion ) 4 letters disputing the items below on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I want to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must  remove the accounts listed below XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX XXXX Transunion and XXXX  has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.
Credit Reporting Agencies is reporting inaccurate information on my credit report. Credit Reporting Agencies has XXXX XXXX XXXXXXXX account listed as being opened XX/XX/XXXX, when in fact i never open an account with XXXX XXXX XXXX on XX/XX/XXXX. I have presented evidence to Credit Reporting Agencies showing the XXXX XXXX XXXXXXXX account has errors, and Credit Reporting Agencies has  ignored facts presented. Credit Reporting Agencies also list XXXX XXXX XXXXXXXX as a creditor when i have presented proof from XXXX XXXX XXXXXXXX stating, XXXX XXXX  XXXX is a creditor.
CitiGroup/ Sears reduced my credit limit on my account without providing prior notification or explanation to approximately 10 % of my original limit. I have contacted Citi Card Services regarding this issue and was told that my limit could not be restored and the error could not be corrected. I asked why I was not informed prior to this action and was told that a letter was sent to my residence. This is unlikely as my account was designated as a paperless transaction/ notification/ statement account 9 years ago. I checked my electronic communications and do not have any notice that my account terms would change. Further, the only solicitations I have regarding my account are advertisements for new products or shopping promotions. No account notices have been sent via the terms we agreed many years ago. 
This modification to my account terms places me at a significant disadvantage both in terms of my credit standing and ability to purchase items to remodel our home. While we used this card to purchase appliances approximately 10 years ago, we are now in need to replace and upgrade many of these as well as aging utilities like our furnace and air conditioning system. This card was to assist in this series of purchases as we had done and paid in full 10 years prior. However, the elimination of this card, the negative impact to our credit due to Citi/ Sears decisions have created an additional burden upon us.

We have maintained this account in good standing. We have made regular payments and never have been in default or late. This was not becoming of a credit agency and we have not been treated with the respect that should be extended to clients who abide by their terms, while the lender refuses to reciprocate.
In 2016, I suddenly received noticed that my Experian account had decreased by XXXX points. On my report, I noticed that Experian reported a delinquent payment from XXXX of my XXXX accounts, but neither XXXX nor XXXX had. When I called XXXX, they said that there should be no payments reported as delinquent, since they were reporting all payments as on-time. I then called Experian, and they told me even *they* could n't find any record of a delinquent XXXX payment. And, yet, in my credit report, they continue to list a recent delinquent payment. 

Experian 's account representative acknowledged the error, and could not find an explanation. I submitted a ticket to Experian 's engineering team, per their recommendation, and have only gotten a response that they 're working on it. Four and a half months have passed, and my Experian score continues to be at least XXXX points lower than my XXXX score and XXXX points lower than my XXXX score. 

No one -- not Experian, not the credit repair agency I contracted to deal with the problem -- can seem to figure out what 's going on. And, yet, my credit score continues to suffer because of this mysterious reporting error.
I contacted FCI Lender Services on XXXX XXXX by phone and spoke with a XXXX XXXX at Extension XXXX who informed me that I FCI Lender Services provides the negotiations for Loan Modifications and that I needed to put together the package of information and send it to them via fax or mail. I submitted my loan modification application and completed their questionnaire on XXXX XXXX, 2016 via fax and also by USPS with receipt requested delivered on XXXX XXXX, 2016 and signed by a XXXX XXXX. Today is XXXX XXXX, 2016 and I have not received any response to those my Loan Modification request or acknowledgement of such. Additionally, I called again on XXXX XXXX, 2016 and left another message with the general information Voice Mail for FCI Lender Services Inc which has also gone unanswered. I am filing this complaint as I have not received any response to my application.
I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter.

XXXX  sent a letter stating they updated an extended fraud alert on my XXXX  Credit file.

I did not request this.

I want the Fraud Alert Removed!

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO XXXX AND EXPERIAN. 

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1
Received a debt collections letter dated XX/XX/2018 from XXXX XXXX XXXX stating I owe PayPal XXXX. I dont have a PayPal account and have never used PayPal. I contacted PayPal on XX/XX/2018 who confirmed I do not owe them money.
On XXXX XXXX and XXXX XXXX I conducted a Bank Wire Withdrawal with Coinbase App. Coinbase did not imform me they were having delays with their Bank Wire option and charged me a service fee of {$25.00} for each Bank Wire. 

On their website it states bank wires are immediate or 1-2 business days unless submitted after XXXX. Well its XXXX XXXX now and I still have not received my monies from them. I have communicated with them VIA phone call. After hour long hold, they did not give me an estimate on when I will have my funds released to me from them. I have opened to escalation tickets and no replies from them. I have even tried getting their attention on XXXX and no replies back on the matter. 

I am waiting for {$570.00} in total. When I first spoke to a Coinbase representative on XXXX XXXX they stated that the only thing they can do is escalade the matter. I requested a refund of the two {$25.00} wire service fees but was denied. The second time I called on XXXX XXXX They told me they are having small delays and I should have my monies soon but could not give be a solid estimation. On their website by time it stated they are having 1-10 business day delays on wire withdrawals. The third time I called I got the same information, they do n't know when they will have the monies in my bank as promised before. 

Its been 20 business day Coinbase has not paid my monies.
I filed a complaint with CFPB # XXXX. FAY Servicings response was that they never receieved the signed documents back from us however we did send the signed notized documents i have attched a coy to this complaint maybe this will resolve our wrongful forclosure issue and we cant restart making our monthly payments soon. Thank you XXXX XXXX ...
My bank sent me a notice saying that I needed to make an escrow shortage payment, because according to their escrow analysis my account was short of funds ( the statement shows funds of {$3300.00} and their numbers never make sense to me ) It was to be paid in full or my monthly payment was going " to be adjusted accordingly ''. I sent a full payment in a money order from USPS via certified mail. 
They received the money. I have been trying to make my standard monthly payment online as I always do it, and the system is asking me for more money ( as if I had not paid the additional escrow ). I call the bank twice ( on XXXX XXXX. and XXXX XXXX ) and they said they need to adjust the system, but in the mean time I have to make the higher payment and they will readjust it when they make a new analysis. The system is refusing to take my normal monthly payment and I am subject to penalties/late fees if they receive a late payment. I do n't have the extra {$130.00} they asking for until they adjust the system.
This is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. 

These inaccurate items are not only embarrassing, they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is quite clear that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part. 

I am quite XXXX off you have included the following information on my credit report : XXXX XXXX XXXX following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes. 

XXXX XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX XXXX This account does not seem accurate to me. Can you investigate the account number, account terms, account balance, balance history, payment history if any, and the address being reported on this account. Please delete this account for any inaccuracies. 

XXXX XXXX I am disputing the opening date, the reported date, the close date and last activity date because I feel it 's not correct and is inconsistent on all three credit reports. Please remove this item immediately from my credit report. 

Chapter XXXX Bankruptcy XXXX I am disputing the file & discharge date on this bankruptcy because it does not seem right to me. Where are you getting this information from? Delete from my credit report.
I am a consumer credit  XXXX  working with people with student loans. We currently have  two  clients we are working with who are being garnished for  Federal Student  Loans. On the studentloan.gov website, it clearly states that defaulted loans can be consolidated as long as they are placed into an income driven repayment plan.  Two  former students that we are working with to get their defaulted student loans consolidated were declined by Great Lakes, even though they requested the  Income Driven Repayment. Their only options that Great Lakes gave them were not affordable. If defaulted loans can go into a   consolidation loan, how does Great Lakes have the authority to deny them? We need clarification on this.
This agency is puling my credit as a hard inquiry every 30 days causing a drop in my credit each time. When questioning he Manager, XXXX ( refused her last name ) she stated that she can do this once a month. Although I am delinquent on this debt I was told that this was legal. I work for a collection agency and know this is not legal. I am not applying for an additional loan, or requesting additional funds, so there is no a legal reason in my opinion to continue to make these inquiries. The account has been reported as delinquent on he credit bureau report which is fine, as that is a true statement. I disagree with having my credit pulled with out my permission.
MY COMPLAINT IS AGAINST 'CAPITAL ONE BANK XXXX  CARD ; ' ACCOUNT NUMBER ENDING IN XXXX ; ' I PAID THE XX/XX/XXXX STATEMENT, IN PERSON, AT THE XXXX NY BRANCH, ON XX/XX/XXXX -- FIVE DAYS BEFORE THE DUE DATE ; BECAUSE I INADVERTENTLY PAID THREE ( 3 ) DOLLARS LESS THAN THE MINIMUM, I WAS CHARGED A {$39.00} 'LATE FEE ; ' ON XX/XX/XXXX, REFLECTED ON MY STATEMENT DUEXX/XX/XXXX ; I QUESTIONED THIS 'LATE FEE ' WITH MY REPRESENTATIVE ( XXXX ) AT MY BRANCH IN XXXX XXXX NY , WHO SAID SHE WOULD CALL 'THEM ; ' ON MY BEHALF ; SHE THEN CALLED ME, AND SAID TO CALL 'THEM, ' AND 'THEY ' WOULD REMOVE THE {$39.00} 'LATE FEE ; ' AS A RESULT OF MY CALLING THE 'CUSTOMER SERVICE NUMBER, ' I WAS TOLD 'WE DO N'T REMOVE LATE FEES ; I SUBSEQUENTLY CALLED THE VIRGINIA CORPORATE 'CUSTOMER SERVICE ' NUMBER, AND SPOKE TO AN 'XXXX ; ' AGAIN, SHE REFUSED TO REMOVE THE 'LATE FEE, ' BUT INSTEAD 'GRACIOUSLY ' DEDUCTED ' {$39.00} ' FROM MY SUBSEQUENT BALANCE ; IN OTHER WORDS, THIS BANK REFUSES TO ACKNOWLEDGE THEIR MISTAKEN LATE FEE CHARGED BECAUSE OF A LOUSY ' {$3.00} SHORT ' PAYMENT ; WHICH COULD EASILY HAVE BEEN ADDED TO MY NEXT BALANCE ; TO BE CHARGED A 'LATE FEE ' DESPITE MY '5 DAY BEFORE DUE ' PAYMENT IS PATENTLY ILLEGAL
Misleading / omitted information about working with the mortgage co on loan modification as related to credit reporting. Just informed during modified payment trial period of 3 months mortgage co ( 5th. 3rd.  bank ) continues to report account delinquent and also holds payment and does not apply to mortgage payments for 3 months. During this time we are still considered delinquent. We were unaware of this. Under false impression, credit reporting would not be un-favorable and that we would not be penalized while working with mortgage co. Started working with mortgage before late 30 days - XX/XX/XXXX. Get different information from mitigation department case workers. This 3 month trial period ends in XX/XX/XXXX. Thought mortgage co preferred immediate communication and loss mitigation instead of repo. Told this process was favorable for us and mortgage co. Not so! Not informed of this until today XX/XX/XXXX. Not fair. They refuse to give us documentation of all communication while processing this agreement without a subpoena Thus protecting themselves from mis -guidance or lack of information during this process on their part.
In XXXX of 2012 while I was in an unemployed status a young lady, XXXX XXXX was going door-to-door in our neighborhood trying to sign people up with XXXX XXXX. Since I was out of work and was looking for ways to save money, I was interested in what she had to say. My only problem was that I was still under a contract with XXXX XXXX and I told her that and she assured me that I would be receiving a Visa gift card in the mail as a bonus for signing up with XXXX XXXX that I could use to pay any cancellation fee with XXXX XXXX. Since their rates were a little less, my husband and I decided to go for it and signed a contract. I had to call a number to confirm that we had agreed to the changing of our service over to XXXX XXXX, and while making this phone call I found out that I had been misled on the XXXX gift card, and would n't actually be receiving it until we had fully met the terms of our contract after a year, which meant I would have to come up with the cancellation fee for XXXX XXXX, and being out of work, we could not afford that. 

The contract we signed said we had up to 3 days to cancel the contract, which I did within XXXX hours of signing the contract. I immediately called them and spoke with XXXX to cancel our service, who gave me a reference number ( # XXXX ) confirming my cancellation request, and then I also e-mailed in the required notice of cancellation that same day. 

When on XXXX XXXX I received a notice confirming that I had requested to change my service from XXXX to XXXX XXXX, I called XXXX XXXX and spoke with a XXXX to confirm with her that my service was still active, and she confirmed that it was. 

After receiving my first bill, I contacted XXXX and informed the billing department that I had cancelled my service within XXXX hours of signing the contract and that my service with XXXX XXXX was never interrupted, and that they, XXXX NEVER did supply my electricity, so why they are charging me for service they never even supplied. This in my opinion is fraudulent business practice on the part XXXX XXXX. 

I also made several other calls and spoke with individuals in XXXX XXXX 's billing department when I received bills in the mail, and never could get anyone to listen to me or get supervisors to return my calls regarding what I was trying to tell them were bills in error. 

Please feel free to contact me for any further information you XXXX need regarding this complaint.