WillisBack/dataset-financial-user-claim huggingface dataset:
I received a response back from Transunion via email on  XXXX / XXXX / XXXX  regarding the most recent complaint. They indicated they found the item to be accurate and it will remain on my credit file. This item was previously removed over a year ago  on two di fferent occasions. I was never notified this item was being added back via email or mail from Transunion in the past. I do however, have notices from Transunion were the they found the item to be inaccurate in the past and removed it from my report. 6 months to a year later this item comes back on my report under another creditors name. I do not agree with Transunions most recent investigation and will be seeking legal counsel if action is not taken to have this removed for the third time.     Here is my complaint that I recently sent Transunion : A collection account under the name  XXXX   XXXX   XXXX  was listed on my credit report in the amount of {$640.00}. I had no knowledge of this account and it was disputed to Transunion and  XXXX  on  XXXX   XXXX . It was removed by both Transunion and  XXXX . It reappeared under another collection agency name  XXXX  in  XXXX   XXXX . I was never notified by either Transunion or  XXXX  in writing this was being placed back in my credit report. I redisputed the items again with both companies and it was removed f or a 2nd tim e on  XXXX   XXXX . I looked at my credit report today and found that for the  3rd tim e on  XXXX   XXXX  this same collection account was added back to my report under the collector name  XXXX   XXXX . Once again I was never notified in writing after this was deleted that it was going to be added back into my credit file. I have no knowledge of this account and it is illegally being placed back into my file months after it was disputed and removed without my knowledge. As the consumer I should not have to keep filing disputes for this unknown account that was removed over a year and a half ago.
ive tried to explain to XXXX XXXX i am XXXX i get extra help because im XXXX.i have three types of insurance to cover everything so this is fraud i have XXXX XXXX and medicaid   .this is simple and plain out fraud.and as i understand Virginia law this is past three yrs of original date.so that would mean they are violating the fair debt collection act an all chapters of it that may apply.
I purchased my XXXX XXXX XX/XX/XXXX, 2013, at the time of the purchase Ally Financial Inc. and Ally Bank ( Ally ) was the bank who offered me the fraudulent loan on my vehicle. As an XXXX XXXX female borrower, I believe there was predatory lending involved in my loan and I paid a higher interest rate and continue to pay unusually higher fees for my auto loan because of Allys discriminatory pricing system. <P/>Though at the time it did not all come together over the life-time of my loan I have bean to see that was charged and interest rate that was significantly higher and the loan continues to report inaccurately regarding late payments. When I make my on-time payments to Ally they tack on this exorbitant fees that they classify as late fees. But the payments are not late. I continue to be overcharged because of of my race and gender and am a victim to a very sick system that continues to violate the rights of people of color and women across the country. <P/>When I financed the purchase of my XXXX from the auto dealership, the dealer facilitated indirect financing through Ally. Ally set a risk-based interest rate, or buy rate, and then allowed XXXX to charge me a higher interest rate when they finalized the deal with me. This rate was solely based on my race and gender. The ECOA prohibits creditors from discriminating against loan applicants in credit transactions on the basis of characteristics such as race and national origin. <P/>Allys discriminatory pricing and compensation structure has caused me severe damage on my credit report. I have paid for the car almost two times over at this point and still owe {$13000.00} after 4 years of consistent payments. <P/>I have attempted several times to clear this up with Ally and to get the erroneous errors on my credit removed and the loan updated or removed and they continue to attest that I am wrong. Ally you are thief and a predator. You pray on women and minorities and this can not go unpunished. I am writing to have all derogatory items removed from my credit report and the fraudulent auto loan be paid in full.
greentree mortgage servicing call me at XXXX from this number : XXXX. this is their number have responded to call from this number before. I fell that they harass me repeatedly over the years however this was the last straw calling me at this time of the night. My mortgage is current although I do you the grace period allowed under the mortgage terms which is I pay a late fee if late after the XXXX of the month. Most of the time I receive repeated call after the XXXX of the month until the show in their system as paid. I have no problem with a company calling however to continually do this each and every month is a little much. my thoughts.
My complaint is false advertisement on XXXX XXXX rewards system that needs to be investigated. I have a XXXX credit card under XXXX XXXX. The rewards points with XXXX credit account is under the management by XXXX XXXX however the Bank refuse to correct the fraud. It started off with the accumulation to XXXX ( See Attached ) which I had and XXXX sent me by email the rewards certificate {$30.00} by email Rewards certificate XXXX ( See Attached ) which I never used because the rewards dont work. 
As you review XXXX XXXX points under XXXX credit card they put a minus on the XXXX points. After I seen this I sent several emails to XXXX   XXXX and calling to correct this issue that I never used these points ( See emails attached ) Then as you review the XXXX credit card reward points XXXX XXXX made an adjustment of my points XXXX never gave me the full XXXX points that I never used and the purchases I brought. 
On XX/XX/2018, I sent XXXX XXXX XXXX several emails that the rewards number isnt working because I cancel my order however I received an email response however no assistance except that they cut my points to XXXX ( See Attached ). However, on XX/XX/2018 after several emails attempts and phone calls to XXXX XXXX I received an email that my points are XXXX and leftover points XXXX ( See Attached ). I refuse to order anything until they repair the reward system. Even though, I made a return on XX/XX/2018 I should have XXXX - XXXX = XXXX reward points, I made a lot of purchase under XXXX ( See Attached ), XXXX XXXX credit department don't communicate well and support reward points being stolen from me. However, XXXX XXXX are refusing to correct this error, maliciously continuing to fraud the rewards system and I am requesting an investigation on these fraudulent matters. I believe they are violating the Fair Credit Billing Act, The Credit Card Accountability Responsibility and Disclosure Act and credit card fraud on rewards. 

Attachments Several email communications to XXXX XXXX XXXX credit card XXXX XXXX email me points XX/XX/2018 XXXX XXXX   rewards list is wrong XXXX XXXX mail rewards {$30.00} XX/XX/2018 CC : Federal Trade Commission FDIC Department of Justice Congressman
My credit card was reported 30-59 days late in XX/XX/2017. When I discover this, I immediately payed off the late payment to getit back on track. I have never missed a payment on this card and I opened this card specifically to build my credit now, its hurting my credit. The weird thing about this is the reason why I never missed a payment is because I have auto-pay. I have auto-pay on all my cards so I don't miss a payment. I do not log on to make payments, I have over multiple credit cards with all different due dates, it would be impossible to manage any other way. I am not sure how this happened but this card was originally a secure card and was turn into a traditional card in the summer, I am not sure if this had anything to do with it, and I had to re-activate auto-pay but was not told about it. 

Regardless, I called the credit card hotline after I payed the late payment to resolve the issue and I went in circles with the customer service rep and this was never resolved.
I called Portfolio Recovery Associates in XXXX after receiving a letter that I owed them money. I agreed to settle for a less amount if they would delete. I just pulled my report over the weekend, and Ill be XXXX if they are not still on my credit report. I gave them a call XX/XX/XXXX and asked why it hadn't been deleted and was informed by a young lady ( that has worked there for 14 years ) that they never delete trade lines, they only update the credit report as paid. I told her well I spoke with a guy years back and that was the only reason I settled, because I understood that it would be removed. I was transferred to a manager, very rude by the way, and she stated they do not remove from credit report. I paid the debt off like they asked and now they lie and say they dont delete letters. I actually have a letter from a friend of mine that was sent to her, and they DELETED hers after she paid. WHY DID THEY LIE????? I also attached a letter that was sent to her, and they deleted her account!!!!!!!
Paul Michael Marketing reported 2 debts which I do not owe to my credit report without any previous written notice or giving me the right to dispute. Now my credit score is low.

I sent Paul Michael Marketing a certified letter demanding proof that I owe this $ and I have not received a response.
I am unable to access the website XXXX from XXXX. They said one of my security questions from Experian is wrong : what was the make of my first car. They pointed me to Experian ( CFPB Case # XXXX ). On their website, it gives a number to call to speak to a live agent to answer any questions. I have tried that number XXXX and there is no option to speak to a live agent. That is misrepresentation. There is no way to reach a live person. That 's first. Next, I know the make and model of my first car and it wrong with Experian. That needs to be changed. I need to be able to speak to someone there live to have this updated.
I have tried to work with the CFPB for more than 3 years now with no results. However I have not given up. For more than 10 years I tried to get Bank of America to refinance or do a loan modification on my home. Their loan counselors at Bank of America have lied for more than 10 years and I have sent the information to the CFPB at the XXXX, IA XXXX address form more than a year proving that they Bank of America has lied to me constantly. You can also see much of my correspondence with the CFPB if you look at XXXX # : XXXX XXXX. I submitted proof that BofA was committing crimes with their practices. They would assign a counselor to work with me for three to four months and when the counselor was to make a decision they would send me a letter or notice from another person in another city or state and say that I am to work with this new counselor. BofA would then have me start the entire process again and they did this by assigning me more than XXXX different counselors before they could give me an answer. Each time they assigned me a new person to work with they would start the entire process over and over again asking for exactly the same information that I had already provided more than 6 different times. I did finally speak to one semi honest person that was assigned to me and she informed me that Bank of America would not give me a loan modification because I was current with my payments and I had to make up for all of the dead beats who either walked away from their mortgages or they were behind in their payments. I provided all of these facts to you office without any results what so ever. Since the CFPB has abandoned me BofA has increased my monthly payments twice and now they have just increased it again. I am a XXXX veteran with an Honorable Discharge on a fixed income and you think that I could get some government agency to help me fight these lying crooks at BofA however it seems to me that there is no such agency. How can a financial institution deny someone with good credit the ability to refinance or get a loan modification on their home for 10+ years and the homeowner can get no help from any government agency? If you look at complaints against BofA there are thousands just like mine that are present. This is not an exception this is the norm for BofA. I have letters from individuals saying they are responding on behalf of the President of BofA and they give me the same old XXXX over and over again. The reason why I looked into a loan modification is because the first person I spoke to at BofA told me to look into a loan modification because of the housing crash. All of this information has been filed with the CFPB and they have done nothing that I can see to help. More than likely the CFPA will send this information to BofA and their personnel will start their lies all over again however I have submitted proof of their un American lies to the CFPB.
Before I can access my report online, a Verification page lists XXXX multi-choice items, XXXX of which says : " Your credit file indicates you may have ... [ either a mortgage/retail card/bank card ] ... ''. Each question requires my response to verify and/or provide more detail. 

Because I have NOT opened any lines of credit as listed, the accurate response to each item is " NONE OF THE ABOVE. " Consequently, my free online credit report was denied. 

Instead, I must now risk using the USPS to mail my personally identifiable information to Equifax and wait at least 15 DAYS ' processing time before I can confirm my suspicions and subsequently report to law enforcement that the family member whom I strongly suspect has been stealing from me and fraudulently using my identity absconds from the law.
I became behind on my last months mortgage which was due XX/XX/XXXX. A XXXX unidentified call kept showing up on my phone - It turned out to be my mortgage company Suntrust - I talked to them and told them I had previously requested a HAMP package from their XXXX office - they stated they had to ask me to pay the amount of last months payment asap and that they would call EVERY DAY until they were told by the HAMP office that they did not need to or until I paid it. They have called every day sometimes more than once a day since. I consider this harrassment. I have already sent my paperwork for the HAMP into the Suntrust office via mail. Please help me stop this.
There is a Capital One account on my credit reports that does not belong to me. I have disputed this numerous times and Capital One refuses to remove this item. During my last dispute I received a response from Capital One ( see attached ) stating that this is my account and all of the information that they have on file matches my information. This is not true. I have called Capital One in regards to this matter and when asked to verify my information they could not because they stated that the birth date that they had on file did not match. I wanted this is writing so I went to the online chat because I was told that they could not respond via email regarding personal account matters. On all occasions they could not verify my birth date ( see attached ). There were more times than this but I only printed out XXXX. I did contact them to try and settle this account because I want it removed from my credit reports. I was willing to pay for something that was not even mine because I am being railroaded by Capital One. This goes to show that XXXX XXXX from Capital One has provided false information just to not remove this item that really does not belong to me. I would like this information removed from my credit reports immediately. As I have stated numerous times this is not my account and I will proceed with further actions if this is not done.
On XXXX/XXXXXX/XX/2015 I called customer care for XXXX credit cards to see options for trying to open my available for purchase amount. I had just returned an item and was looking to purchase something else. When I spoke to the representative he advised me there were no options and I would have to wait for the credit to apply. We then spoke about a possible credit limit increase. At this time he said that since it was a new account and nothing had changed the credit line probably would n't change. This is considered discouraging a customer to request a credit limit increase and is in turn against the law. When I advised him that what he just said was illegal he then said he can help me request the increase. I just really surprised and taken back by my interaction with this company.
I owe just a little over 2000 to capital one. I was making payments and the amount just kept going up drastically. I had to let it go default and charge off because I could n't pay thousands for only spending around 1500. I then made a agreement for around 1300 with capital one and they never withdrew my money even after attempting to make payments. They are now sueing me in XXXX county georgia where I live. I only found out of this by letters from lots of differant lawyers trying to get me to file bankruptcy. I spoke with capital one hired lawyers it 's called winters and something. I made a arrangement to pay with them. I told them I would pay XXXX right now and that was last week. They were very nice to me on the phone and said they would have a letters at my house this past Monday for me to sign showing the judge I did have intent to care for this matter. I have yet to receive any letter or have any funds taken from my account. I did give them my account and routing number to make the payment. I have tried everything I possibly could have to care for this situation and I feel like I am being taken advantage of. I did tell them I was a veteran and right away everything changed with the lawyers same with capital one. I just want to be able to pay what I owe and not end up in jail over a debt. Please contact me at XXXX my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX ga XXXX
I opened up a credit card with BBVA Compass. The credit card came with a promotion of getting XXXX points worth a {$100.00} statement credit after opening up the credit card and then making {$1500.00} of purchases within a time limit. I have made the purchases within the required time limit and have not received my points. I received a voicemail message from BBVA Compass on XXXX XXXX, 2016 admitting that I had met the terms of the promotion and that I would receive the points within 2 weeks. It is now XXXX XXXX, 2016 and I still have not received the points that I was promised.
XXXX has been non-compliant with removing the unverified account NAVY FEDERAL CU XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FEDERAL CU was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Wells Fargo opened a business credit card with the intent for me to use it as over draft protection. Wells Fargo didnt not tell me that they would be sending me a CC to my home or that I had a available balance of XXXX. I was under the ussumption that it was for over draft protection. I got the card, I used the card and payed on the card for over 1 year until I found out the interest rate on the card was over 25 %. I submitted for a lower rate and was declined. I couldnt afford to pay the monthly payment on the card and now the withdrew money from my personal acct even though I am going through mediation. Wells Fargo is a scam bank that doesnt treat there customers with respect and regard. I also did not sign for the card issued.
XXXX XXXX- XX/XX/XXXX last four ssn-XXXX XXXX XXXX- XX/XX/XXXX last four ssn XXXX XXXX XXXX XXXX XXXX , Il XXXX Late payment removal request regarding account # XXXX VIN # -XXXX  XX/XX/XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XX/XX/XXXX we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the XXXX of our XXXX XXXX in 4 years ( ages XXXX, XXXX, and XXXX   months ). Our newest child was born on XX/XX/XXXX XXXX XXXX ( joint account holder ) was on FMLA XXXX  leave for 12 weeks XX/XX/XXXX-XX/XX/XXXX and I was on FMLA XXXX leave for the month of XX/XX/XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues. 
We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new truck. 
In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as  reported on our three major credit bureau files ( XXXX, XXXX, and XXXX  ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. 
Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )
My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX  in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to XXXX  acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.