WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  Accounts Reporting Negatively With Incomplete Account Information I have repeatedly sent letters to Transunion, XXXX, and XXXX asking them to delete the inaccurate information being reported on my reports by XXXX. They continue to report back to me that the information has been VERIFIED. 

I have repeatedly sent letters and made calls to XXXX asking them to either report complete account numbers OR remove these accounts from my credit reports. For over 15 years they have been reporting incomplete and inaccurate information to my credit files. They refuse to comply. This practice has made it difficult to manage and discern one loan from the next. 

While they might say they are truncating my account numbers to protect me, the FTC opinion says the opposite : In sum, a CRA that always scrambles or truncates account or social security numbers does not comply with Section 609 of the Fair Credit Reporting Act.

They state that by NOT reporting the entire account number, they are not reporting 100 % accurate information as required by Section 609.

Section 609 ( a ) ( 1 ) of the FCRA states that CRAs, including major credit bureaus such as Trans Union, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer... All information in the consumer 's file at the time of the request '' ( emphasis added ).

I am writing to request your help in having these SEVEN inaccurately accounts permanently removed from all three reporting agencies, XXXX, XXXX, and Transunion.
I obtained my credit report and found a fraudulent address and account opened in my name. Chase Bank allowed a credit card to be opened in my name and is reporting negative information about the card on my credit profile. I have never used this card, did not apply for or order this card and this card was opened due to fraud. I have attached a copy of my ID, social security card, birth certificate and my lease showing where I actually live and where I lived when this card was opened.
In XXXX 2015 I received a phone call from the Macy 's fraud department concerning fraudulent charges on my Macy's/XXXX credit card . I told them I did not make the charges and I filled out a fraud complaint/affidavit attesting to this. Since then, they have sent me numerous bills and no follow-up on the fraud complaint. I have not paid any on it, because I was told that would be admitting liability. I have called the fraud department numerous times and they are not willing to help me. Recently, they closed my account and unbeknownst to me, my credit score pummeled. They are now in the midst having a collector contact me. I did not make these fraudulent charges and Macy 's has been aware of this ongoing problem, but were never willing to help me with it.
I 've recently learned from XXXX that my credit report was compromised. All of my former employers have been deleted from my history. Someone address was listed on my report in Michigan. 

I 've never visited there, lived there, nor do I have family there to my knowledge. I need all of my supporting documentation from my account numbers ending with XXXX and any other accounts opened using my social security number. 

I was told my mail was returned to your bank, I need that I formation for tax purposes, with XXXX. 

Your last letter I received stated a check was received by your bank in the name XXXX XXXX. That is incorrect. XXXX XXXX XXXX never knew my maiden name, because I never used it with them. 

XXXX XXXX XXXX XXXX XXXX my former employer did n't know my maiden name, until I was under investigation by the FBI. They did n't know to use XXXX. 

You stated you are able to access my transactions from XXXX through XXXX. I need my information.
I was locked out of my credit report by transunion, XXXX and XXXX  while trying to do a dispute because they do not list my current employer.
There is currently a derogatory record on our credit report from XXXX XXXX XXXX, account opened XX/XX/XXXX. The account is listed as charged off with a balance of {$31000.00}. It shows late payments starting in XX/XX/XXXX, and shows late payments since then.

Request 1 Remove derogatory information from our credit report, including the status of charge-off. The Fair Credit Billing Act requires creditors to bill correctly, including send bills to your current address and we did not receive bills or other notices on this account. 

Request 2 Despite not receiving statements or bills, weve paid this loan in full. We request that the loan be updated to reflect payment in full.

History 1. We believe the account was charged off in error. The loan was set up for auto payments from a TD Bank checking account. The auto payments worked for a few months, then stopped going through without our knowledge. The TD Bank checking account was not our primary account, and we noticed the issue from a negative mark on a credit report.

2. We received no bill, no notice of late payment, no notice that the auto-pay was not working and no email, letter or phone call from TD Bank requesting payment.

3. As soon we learned ( from credit report ), we called and made all retro-active payments for all back due amounts.

4. We requested a statement be sent of our account status, amount due, and payment information. TD Bank declined.

5. To date, we have received no written notification of charge off status, or recognition of monthly payments made. We have continued making monthly payments in good faith. ( we can provide bank payment records ) 6. Requested directly from TD bank to remove negative information from Credit report, but they declined.

7. Loan is now paid in full, have a letter from TD Bank dated XX/XX/XXXX acknowledging payment.

8. We request that negative information be removed from our credit report, and that the loan be recorded as paid in full.

9. In addition, we request a final accounting letter, as we believe we have a credit amount of approximately {$1100.00}, and would like that amount refunded.
I recently had a loan modification done with Ocwen and I mailed Ocwen money orders on two occasions one in XX/XX/XXXX and again in XX/XX/XXXX in the amount of {$3800.00} as of today they refuse to post the payments to my account. When I spoke to Ocwen on XXXX XXXX 2018 the relationship manager told me that the might not be able to accept my XX/XX/XXXX payment because she is not sure if they are going to accept the {$3800.00} I have to wait on the loan modification team. Ocwen is very unprofessional in dealing with home owners mortgage and most of the time the reps all give you different answers to questions ask and also concerning your loan with them. This is very stressful for me not knowing what is going to happen with my home,
I sent a letter to Equifax asking them to investigate errors on my credit report on XXXX XXXX. I requested that they mail me the response once the investigations were completed. Over two months have passed, and I have not received the first response back from Equifax, and I 've even sent two follow-up letters.
I'm trying to send money to myself overseas using XXXX XXXX but Capital one refuses to let me use the service blocking XXXX XXXX from removing the funds from my account. Forcing me to use their credit card so I can pay {$30.00} fee plus interest on money advance when I have funds on my bank account. I tried to contact them twice and the last time the person who I spoke with told me that was nothing they could do about that. That they would not allow XXXX XXXX to remove the funds. The money is mine they can not force me to pay fees that I wouldn't if I had a different account.
XXXX  does not investigate discrepencies in my report.   the errors that I have requested be investgated fail to looked at.     additionally there is  XXXX -  XXXX   point difference in  FICO  score compared to   XXXX   and Experian.   when I call the  XXXX  number they hang up on me.   additionally they have advised me that I must pay to get an updated  fico  score and report update.     Experian continues not give me one update they dropped my fico score  XXXX  point for no reason!
My husband and I applied for a loan last year and bought a home. My information was compromised in the Equifax hack as a result.
To whom it may concern, I have opted out of prescreened credit card offers permanently through the information provided by the FTC around XX/XX/XXXX. All offers have stopped except from American Express who continue to send me prescreened offers almost weekly. 

Additionally, around XX/XX/2016 I was a victim of identity fraud and as a result I put a freeze on my information through the credit bureaus. I was supposed to stop receiving prescreened offers but again continue to get them from American Express almost weekly. I have contacted the company multiple times, through writing and through phone to no avail. 

I just want these offers to stop as they could potentially put me at risk for more fraud. 

Thanks, XXXX XXXX
I am getting repeated calls from XXXX they will not stop calling..they call me during my works hours and after XXXX pm. I have not seen any physical proof I owe them anything
as of XX/XX/XXXX i opened a saving account at compass bank. 
as of yesterday ( XX/XX/XXXX ) i was sent a notice the my savings account was over draft. 
i went to the to ask about this notice and found out that, the bank was charging me a transfer fee twice a month for this service. 
they told me they could only rein burst me {$30.00} for my troubles and I 'm at fault for let this happen.
I 'M A VET, I HAVE BEEN DISCRIMINATED BY BANK OF AMERICA AT XXXX SEPARATE BRANCH LOCATIONS. THE XXXX BRANCH IN XXXX XXXX WOULD NOT LET ME OPEN A BANK ACCOUNT AND DENIED THAT MY CHECK WAS MINE, EVEN THOUGH IT HAD MY NAME ON IT AND I HAD PROPER ID, IT WAS FROM MY LAWYER OFFICE THAT BANKS WITH THAT BANK. I WENT OUT OF TOWN AND CAME BACK TO A CLOSED CHECKING ACCOUNT {$9.00} OVER FEE, WHICH I PAID AND WENT TO THE XXXX AT XXXX XXXX XXXX XXXX BRANCH TO REOPEN MY NEW CHECKING ACCOUNT. I SHOWED THE PROPER ID I USED TO OPEN MY ACCOUNT AT THE XXXX BRANCH, AND THEY DENIED ME THE OPPORTUNITY TO OPEN AN ACCOUNT AGAIN EVEN THOUGH I HAD AN EXISTING SAVINGS ACCOUNT OPEN AT THE TIME. I EVEN HAD THE PACKET THEY GAVE ME AND THEY STILL WOULD NOT ALLOW ME TO OPEN A CHECKING ACCOUNT WITH MY IDS. I BECAME SO FRUSTRATED, I CLOSED THE SAVINGS ACCOUNT. THE XXXX AT XXXX XXXX XXXX BRANCH DENIED CASHING MY CHECK FROM MY LAWYERS OFFICE FROM THE SAME BANK WITH PROPER IDS, STATING XXXX NO PROPER ID THERE SAYING I HAVE NO ACCOUNT EVEN THOUGH THE CHECK IS FROM THERE BANK. I WEN T BACK TO THE XXXX XXXX XXXX BRANCH TO CASH MY CHECK AGAIN IN MY NEW OPEN ACCOUNT FROM ANOTHER BRANCH, I WAS TOLD BY THE MAGR THAT NOW MY CHECK WAS A ISSUED ... I BELIEVE I WAS RACIALLY DISCRIMINATED AGAINST BECAUSE OF HOW I WAS TREATED, FOR DEALING ME ACCOUNT EVEN WITH PROPER IDS, AND DENYING CASHING A CHECK ISSUED BY THEIR BANK. MILITARY IDS CAN BE USED AS PRIMARY ID
Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.
THIS IS A MEDICAL EXPENSE COVERED BY MY EMPLOYER HEALTH INSURANCE - MY WIFE WAS PRESSURED INTO MAKING A PAYMENT & WAS TOLD IF SHE PAID HALF NOW THEY WOULD WRITE DOWN REMAINING MEDICAL BILL - SHE PAID HALF OF WHAT THEY WERE ASKING FOR & DID STOP THIER HARASSING CALL BUT DID NOT UPDATE CREDIT REPORT. NOW AFTER 7YRS SINCE SAID XXXX IS STILL SHOWING UP ON CREDIT REPORT
I was asked if the appraiser could come on the property and in the house, I said yes. 
My wife advised me that someone came by in a car at thirty five to forty miles per hour taking pictures of the house. I called XXXX or XXXX XXXX, she is in charge of the loan procedure, to inquire about the above incident and she responded that the appraiser does this to enable them to get a county court house record of my house!? I asked her if using my address wouldn't have been easier, she said by federal law this is required!! I recently changed my mortgage company to Sun Trust Mortgage, which she works for, and another appraisal was done by a different appraisers, XXXX XXXX XXXX, XXXX, performed by a XXXX XXXX XXXX, it was appraised at XXXX dollars at that time. Since that appraisal I have completed 30,000+ dollars improvements on my house. The new appraisal was given to me by email at XXXX dollars!! My house, according to Sun Trust Bank, has depreciated by XXXX dollars!! I have directed many questions to XXXX or XXXX XXXX about this appraisal and the depreciation of my property, she said that spending XXXX XXXX dollars for improvements doesn't mean that all goes to the appreciation of a home, only a percentage. I asked what the percentage would be, she couldn't come up with an answer. If you require proof of the improvements to my house I can send them to you. Long story short, She is exceedingly vague with her answers, I am in the process of getting all laws concerning the housing equity line of credit which pertain to North Carolina. Since she, many times, referred to Federal Laws, I am asking you to help me in this matter.
In XX/XX/XXXX the following items were fraudulently charged to my credit card : XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$330.00} on XX/XX/XXXX a credit for {$330.00} posted XX/XX/XXXX - {$110.00} XX/XX/XXXX - {$130.00} I pay this card per item and paid all but the fraudulent items after reporting them to the card company on XXXX/XXXX/XXXX. 

On my XXXX/XXXX/XXXX statement the fraudulent items were refunded but a late charge of {$39.00} and a purchase fc of {$28.00} showed and somehow the balance was {$84.00} over what I show due when I pay my statement per item. I contacted company and was told the fees would be reversed. 

On my XXXX/XXXX/XXXX statement they only reversed the late fee and not the finance charge. And despite paying per item the bill is now {$420.00} over what I show due. 

I take pride in paying my payments on time but am concerned about the impact due to this company not getting their billing done correctly.
Home foreclosed upon in XX/XX/XXXX Settlement received for improper foreclosure in XX/XX/XXXX Credit report not reflecting improper foreclosure.
I owed money on a cable bill that was in collections with CBE Group. I have paid the bill on XXXX/XXXX/2015 and asked that the collection agency sent me something in writing showing that I settled the bill and they refuse to do so telling me that they do n't send out anything in writing. However, my wife just settled a debt she had with XXXX and have since received a written statement that the account was settled. I know I could get something in writing to show I paid but CBE Group is not willing to do so. I do n't know if this is legal and need for someone to look into to this and force them to comply and send a notice saying the account was settled.
i'am filing a complaint against Experian Credit Reporting Agency , they have ignored my request to provide me with the documents that their company has on file that was used to verify these accounts. under SECTION 611 ( 5 ) ( A ) of the FCRA -- they required to ''prompty delete all information which can not be verified '' that i have disputed. Please resolve this manner as soon as possible. THANK YOU SO MUCH ....
I have had a Rush Card for the past 2 months with no problems. On this past week my payroll deductions did not go onto my card. I have called several times to speak with customers service but i get no answer, the phone hangs up automatically.
I was late for my mortgage payment due XX/XX/XXXX and didn't realize it because my mortgage was transferred from Guaranteed Rate to Fifth-Third Bank and hadn't had a chance to set up the autopay yet. I never received a phone call or mail regarding my payment being late until XX/XX/XXXX at my work number. Apparently Fifth-Third didn't have my cell phone number on record, probably because the mortgage was transferred from Guaranteed Rate without all of the information. I made a payment over the phone during that same phone call and was told that the late fee could be waived because I was unaware of my being late. I was also given information on signing up for autopay and have already mailed in the paperwork. However, I noticed that my credit score dropped almost 200 points because of this one incident and am VERY upset because this greatly affects my credit for my first and only offense where I was not even notified about it until it was too late. Also, I wasn't reminded about being late via email or mail. Is there any way to reverse the detrimental report to the credit agency? I tried calling customer service already but was told that nothing could be done. I am very upset because I didn't even choose Fifth-Third as my mortgage bank and it was transferred over recently and I'm very upset with this experience.
I, XXXX ( XXXX ) XXXX, and my family ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) are victims of identity theft/fraud and other crimes that have been reported to the Federal Trade Commission as well as the FBI and Department of Justice. These crimes are pertaining to my brother, XXXX XXXX XXXX XXXX, who is a retired XXXX XXXX with the XXXX XXXX  Department, and our father, XXXX XXXX XXXX XXXX, who is missing and has been missing for over a year along with life insurance policies and other monies stolen. These criminals have also stolen the identities of our deceased mother, XXXX XXXX XXXX, and other family members ( deceased ) with the last names of XXXX and XXXX. These criminals have also committed bank fraud/theft, mail fraud, insurance fraud, property fraud, IRS fraud, cyber crimes and stalking, stalking and harassing, obstruction of justice, witness intimidation and threats, being held against our will, and other crimes. THEY HAVE ALSO IMPERSONATED XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, police officers, FBI AGENTS, journalists and all in order to have access/obtain classified information and impede investigations of these crimes! THEY HAVE ALSO STOLEN MY BROTHER 'S XXXX NUMBER AND IDENTITY TO COMMIT THESE CRIMES! I HAVE SUBMITTED THIS INFORMATION TO THE WISCONSIN FBI AND DOJ AS WELL AS LOCAL POLICE AND THE FEDERAL FBI AND DOJ FOR INVESTIGATION BUT HAVE NOT RECEIVED WORD! I HAVE ALSO SUBMITTED THE NAMES OF THE CRIMINALS INVOLVED TO THESE AGENCIES ( PLEASE CONTACT! ).
I was going over my credit report and there is inaccurate information in the details, accounts that was discharge listed that have been reported are not accurate the is a bankruptcy that is not accurate on my file. I have the release documentation for all the Liens listed on my credit report. 1. Lien # XXXX 2. Lien #  XXXX 3. Lien # XXXX.
I have been working to modify the loan on my primary residence since XXXX. We sent all paperwork to both NationStar and their counsel. I never received any documentation from them until we requested a reason on why they denied the loan modification. The attorney sent over XXXX letters in which they claim were sent out with missing documents. These were never received. On XXXX XXXX I faxed over another application to NationStar in hopes of modifying my loan. On XXXX XXXX i emailed my attorney to see if he had heard a response. He had not. I check my mail daily and never received a letter from NationStar acknowledging my paperwork or asking for more documentation. On XXXX XXXX as well I called NationStar to find out what the status of the application was. I was told they were in receipt of the modification and that there were two documents they were missing. I was never given a date to have them returned and still had not received any correspondence in the mail to my property or attorney. On XXXX XXXX they sent a letter out denying my loan modification because they did n't receive the documents they requested. I have not received anything with a description of what they needed. This is the second time in which NationStar has not acknowledged my application or communicated with what they needed. In a letter dated XXXX XXXX i received a notice of sale date.
On XX/XX/2014 I tried to have my credit report freeze with Experian temporarily lifted so I could get a credit increase on my credit card with XXXX XXXX. I repeatedly and tenaciously attempted to do this both online and via telephone. The Experian website offered me a P.I.N. that I could give to my bank to temporarily unlock my credit report, but my bank told me that they could not use a P.I.N., and that I should call Experian for assistance. 

Contacting Experian has been time consuming, frustrating, miserable, fruitless and IMPOSSIBLE! Experian is wasting my time, depriving me of the credit that I deserve, and XXXX me off. The government ought to put Experian out of business tomorrow morning. 

First I had to go on a treasure hunt for a telephone number to contact Experian, because a telephone number is either very well hidden or else nonexistent on the Experian website. I used several telephone numbers that I found on the internet and called them to no avail. Each Experian number I called required me to wade through seemingly endless voice prompts, starting with " For English, press 1 '' which is to accommodate, at my expense, mind you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

When I finally was finished growing older and older and older and older while wading through computerized voice prompts, the end result for each of the several telephone numbers that I called REPEATEDLY was a recorded message telling me that Experian could not assist me, or words to that effect, along with a monotone apology and a suggestion that I " try again later '', followed by disconnection. This happened every single time! If it is impossible to get help from an Experian computer over the telephone, FORGET ABOUT EVER SPEAKING TO A HUMAN! Not gon na happen!
I have contacted XXXX Consumer Reporting department. I have expressed that there is a security Alert on my report for fradulent inquiries. There should be no unauthorized inquiries on my report due to a security freeze. They have stated I need to provide 3 forms of ID to access my report file and refuse to speak to me surrounding my report. I have provided them with the requested information, contacted the companies and they still refuse to remove the inquiries and fradulent accounts from my file. I ca n't even get them to access my file anymore over the phone. I have provided them with the necessary identification but they refuse to let me call in and speak to any representatives. <P/>I have provided the letters I have sent and they refuse to remove them. They refused to obtain proof that I authorized the inquiries as well.