WillisBack/dataset-financial-user-claim huggingface dataset:
I sold my car, sent the payoff to the bank via certified mail on XXXX XXXX and they received it XXXX XXXX. Today is XXXX XXXX, and my buyers are allowed 30 days to title/license the car they bought, but they need release from the lien to show the title is clear. The lien release was delivered to me by mail on XXXX XXXX. I called the bank today because the last time I talked to them they said they would be mailing a new title, so I called to say the title is not here and late fees are going to be assessed against my buyers. I learned today that being told I would receive a title was a mistake, I will only be receiving the lien release letter and that 's all I need. I 'm not concerned about that mistake, but mention it because if I had n't called the bank today to say today is the last day and I still do n't have it, I would n't know I 'm not going to get a new title and I would still be waiting for it, which would impact my buyers. I 've called the bank XXXX times during XXXX about getting the required documentation for my buyers. I mailed the payoff on the XXXX, they received it on the XXXX, they posted it on the XXXX, they allow 10 business days to clear the cashiers check I sent them, they mailed the lien release letter on the XXXX, and it arrived on the XXXX. This allows 1 day to get it to my buyers, who are at work, and XXXX minutes away, and the DMV closes at XXXX, so they 're going to pay late fees. I explained this to the bank on XXXX occasions, talking to XXXX and XXXX, and then talking to XXXX supervisors on separate occasions ( XXXX and XXXX ). They all acknowledge that the process was executed by the bank without mistakes and that the end result is that the title does n't get here it time. No one would take the initiative to at least SAY that it 's a problem for the customer, they 're established process that was executed without error did n't allow the customer to get the required documentation to the buyer within the 30 days allowed by state law to avoid late fees. THAT 's what I 'm complaining about. They KNOW this and are n't doing anything about it. When they told me last week the letter was mailed on the XXXX, they said it would take 10 business days to get it. They KNEW at that time I would n't get it in time. They could have changed their shipping method to get it here quickly. The problem is they know their process did n't work for the customer and they acknowledge this but do n't volunteer to improve the process. They do n't like regulation, but there 's a reason for it, and this is an example. Apparently they need to have a regulation to require them to execute a process that allows the customer to receive the required documentation in time to comply with state law without having to pay penalties.
I was unaware of a insurance deductible bill for {$200.00} for XXXX of my adult children that had gone unpaid. I am primary on the insurance and normally would received a bill in the mail from hospital. However the first time I became aware of {$200.00} bill was after it appeared on my credit report. I found collection company immediately paid item and I do not disagree with amount however I received no mail or any calls from company. They stated a letter was sent in XXXX but I never received it and they had a house phone listed and I do n't have a house phone so no messages received. The hospital visit was in XX/XX/2016 I believe an no attempt to collect just added to my credit report, I was n't even the patient that was an adult. I called immediately paid but disputed collection as a bad debt.
TransUnion is reporting outdated information in my credit file. XXXX XXXX XXXX XXXX credit card reported XX/XX/XXXX but TransUnion is displaying information from XX/XX/XXXX. It is almost XX/XX/XXXX and TransUnion is still displaying information from XX/XX/XXXX on my credit file. My real XXXX XXXX XXXX  XXXX credit card balance is {$240.00} with a limit of {$1700.00}, My real XXXX XXXX XXXX  credit card utilization is 14 % and my overall credit utilization is 22 %! TransUnion is displaying false and outdated information in my credit file to make me look less credit worthy than I am. TransUnion is doing this out of spite because I am suing them for breaking FCRA guidelines. I uploaded the true numbers from my XXXX  report!
Commenity Capital Bank/XXXX is reporting a late payment for the month of XX/XX/XXXX. I have tried to ask them to remove it because I did not receive my statement that month regularly during a move I made in XX/XX/XXXX from XXXX to XXXX XXXX.. Recently, when I called the bank and asked to put in a dispute for the incorrect reporting of the late month, they said I would need to mail them this information. This is the first time I 've been ask to mail in a request to dispute, which is why I am notifying CFPB in hopes they can help me submit this request electronically. I am trying to apply for a home mortgage and want to make sure that all my creditors are reporting accurately as my score greatly depends on that information.
I took out a home loan in XX/XX/XXXX with XXXX XXXX. They filed BK as XXXX in XX/XX/XXXX.On or about XXXX XXXX, XXXX, a person named XXXX XXXX is allegedly claiming to be employed as an Assistant Vice President by XXXX XXXX XXXX , XXXX , as attorney in fact and servicer for XXXX XXXX XXXX , XXXX, as a Trustee for XXXX XXXX XXXX XXXX, but has not provided an employment contract nor a servicing agreement to substantiate these claims. 

I would like for Caliber Home Loans and XXXX XXXX to prove that she is in fact employed as an Assistant Vice President by Caliber Home Loans, Inc., as attorney in fact and servicer for XXXX XXXX XXXX, XXXX, as a Trustee for XXXX XXXX XXXX XXXX, and specifically that she has the credentials to act as an Attorney in fact for this group of companies.
My XXXX credit report shows an unauthorized credit inquiry from Ally Financial on XX/XX/2016. I did not authorize this inquiry. During this time, I visited XXXX who assured me my credit file would only be viewed XXXX. However, this was not the case. I understand that my credit file should n't be accessed without my authorization. I contacted XXXX, but was unsuccessful obtaining a resolution. I have an extended fraud alert in place requesting I be contacted via phone for verification prior to accessing my credit file. This did not occur ; therefore, the removal of this inquiry is requested. In additional, I contacted the lender requesting removal, but my request was ignored.
I went to the XXXX institute of XXXX for schooling in XXXX virginia. I have now learned that their is a lawsuit pending by the government against XXXX and their practices. I feel that i am part of the predatory lending as after going through repayment since 2011 i have noticed my loans ballooning ( specifically from my private loans not federal ) attached is current loan " payments '' and you will notice that even when im on interest only that my interest payments are not even covering the interest that is supposedly accrued making it into a ballon payment
I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.
I have been denied a modification with OCWEN XXXX times. There are numerous servicing errors and documentation regarding ownership of the loan has been misrepresented which has contributed to my denial of a modification. I also had an attorney send a Cease and Desist Letter to XXXX XXXX, repping XXXX, in reference to illegal foreclosure actions taken in violation of MGL 244 s. 35A ( b ).
MCM # XXXX I received a letter in XX/XX/XXXX from XXXX collection agency about a purchased debt from XXXX XXXX for {$330.00}. I was told it was for a XXXX XXXX XXXX XXXX. I froze my credit a number of years ago so I knew the card wasn't mine. On XX/XX/XXXX I started phone conversations. I called XXXX and asked for backup. The company claimed it didn't have any backup that I would need to reach out to XXXX funding but as far as they were concerned the debt was valid. I called XXXX XXXX twice and spoke to 2 different people and they claimed they had no backup other than I was on a file. At this point I called XXXX XXXX and spoke to their rep and the company had shown that I had been offered a card but had never responded and I did not have a record with them. At this point I went back to XXXX and worked my way up through the chain and reached a manager who said that due to no back up being available the debt was closed. I asked specifically " This debt is closed and I will not hear from anyone else and that this discussion ended here? '' The manager confirmed this. About a week after that I received another letter from XXXX offering a discount on the amount owed which I just trashed assuming the matter was over. XX/XX/XXXX I received a letter from XXXX and the cycle had started again same debt /same vendor info. I called XXXX today MXX/XX/XXXX and  spoke to a rep who acknowledged my previous contact history and the cancellation of the debt from XXXX but still went into stock script " why don't you think you owe this debt and how can we resolve this? '' I repeated that if proof of debt can be provided I will pay but until then he should mark this debt as disputed. I asked for his name and mentioned that I was initiating a consumerfinance complaint and he became quite short and abrupt and the call ended. 

At no point have we received any contact from XXXX XXXX saying a debt was owed as we would have resolved way before now.
Last month ( XX/XX/XXXX ) I wanted Citi to switch my AAdvantage Mastercard with a {$50.00} annual fee to a product/card with no annual fee since I hadn't used it in years ( I've been a customer since XXXX ), AA expired my miles and I had not carried a balance in quite some time. The agents transferred me over and over, they had no product knowledge and said I'd have to do this online. There is no way to do it online. No way to start a Secure Message Center inquiry online. And now they are charging me the annual fee and won't recscind/waive it, even though i'm not using the card or services. They said I must pay even if I switch products or cancel the card. Now they call me everyday by an automated robo-call, telling me to call a phone number and use a special code to talk to someone. They are forcing me to pay the fee or go to collections.
FREEDOM MORTGAGE is charging me for " payoff statements '' they send to lenders I am researching in an effort to refinance. Now my XXXX payment says I owe {$30.00} more than my normal, fixed 30-year payment! 
While calling, a representative also found an erroneous " late fee ''. ( My payments are deducted directly from my checking account and have NEVER been late ). I imagine that " late fee '' has been included in the payoff amount, adding an additional {$41.00} to their profit. I am a Veteran and resent the sloppiness of the bookkeeping and additional charges.
On XX/XX/2016 all hard inquires were deleted from my credit report. I pulled my report a few days ago and all inquires have reappeared on my Transunion credit report and my credit score has decreased due to the inquires reappearing.
I have a Rush Card and I think they have deliberately restricted online access to people 's accounts so that we will not be able to track transactions. They have issued many statements asserting that all issues have been resolved, however, unless you are willing to hold for three hrs to speak to a representative, you have no way to know how much has gone into or come out of your account. My accent information is not accessible thru their website nor their iphone app. They know this but have not taken any steps to resolve it. Keeping us in the dark only serves to benefit RushCard. I 'm sure if I could see my transaction history, I would find discrepancies. I 'm positive there is money missing from my account. Who can I even speak to about this?? It is tragic that RushCard could treat their customers like this when they know they service economically disadvantaged consumers.
I 've tried to explain to them that my income changed dramatically within past year and unable to afford. Ask for assistance with forbearance long term but only granted one month. 

School Name - XXXX University, XXXX GA
On XX/XX/XXXX, i sent a requests to XXXX  and Transunion to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from XXXX stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling XXXX on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called Transunion on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into XXXX and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.
Our current mortgage servicer is Caliber Home Loans. Their attorney notified us in a letter dated XX/XX/XXXX16 of a sale date of XX/XX/XXXX16. We are asking to have the XXXX XXXX date set aside until our loan modification application currently under review with Caliber 's Mitigation department XXXX, OK, has reached a conclusion. Caliber 's SPOC requested additional documentation as of XX/XX/XXXX16. It appears that my wife and I are victims of duel tracking. ( Please see the uploaded document entitled " complaint '' for further details )
I legally changed my last name to my maiden name, and I have the court order. I sent the court order to Trans Union and up to date, they still show my old last name. Trans Union claims that my creditors report me with my last name which is not accurate since I notified ALL and the name was in fact changed. I changed my SS, XXXX, Driver 's license, however, Trans Union will not change my last name. This is causing me a huge burden as I had no choice than to freeze my credit report.
SETERUS INC is reporting a delinquent account. XXXX XXXX on my credit profile that has exceeded the statute of limitations. The account was to be remove XXXX
Freedom Mortgage has been jerking us around for almost a year. They claim to have not recieved paperwork 4,5 and 6 times over, then they claim paperwork is outdated and needs to be resubmitted. The only reason any paperwork has ever been outdate is because freedom has waited around for it to expire so they have another excuse not to stall our short sale request. Its pretty clear at this point that they just dont want to let us continue with the sale of our home. We have submitted every single paper requested over and over again and its never enough.
Diversified Consultants , Inc . 
Falsely claims a debt owed to their company from XXXX XXXX XXXX. I never subscribed to XXXX XXXX XXXX for any service.They are calling everyday and harassing me. I need help with this matter
I have previously tried to resolve this issue, of unauthorized inquires on my credit report, with Experian. I contacted Experian over the phone and was told that there was nothing they could do and I would have to contact the creditors. I contacted the creditors and filled another disputed with Experian, with attached letters of the creditors stating they have no records of me. I mailed this letter certified mail. USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX stating it was delivered to Experian on XX/XX/XXXX. Experian has failed to respond in the allotted 30 day time frame required by the FCRA. Therefore according to the FCRA the disputed items have to be removed immediately. The UNAUTHORIZED inquires are listed : XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XXXXXX/XX/XXXX Furthermore I have attached a letter from XXXX XXXX stating I am not in their files and the inquiry should be removed. I have attached a CFPB response from XXXX stating I am not in their records and the inquiry should be removed. I have tried to contacted XXXX XXXX   through a certified letter ( delivered XX/XX/XXXX ) in which they failed to respond to. I also opened up a CFBP complaint ( XXXX ) in which they have not responded in the allotted time so I can only assume they also do not have me in their records since this an unauthorized inquiry. I have attached a certified letter to XXXX  ( deliveredXX/XX/XXXX) to which they have not responded. Again only assuming they have no records of me.

I request that you immediately delete this information from my credit reports. To continue to report these inquires on my report would be a violation of the FCRA of unverified and inaccurate information. Please do not tell me it will take 30 days I know it does not take that long and I have provided you proof from the creditors themselves that this information should not be reported. Thank you for your prompt attention to this.
On XX/XX/17 a debt validation letter was sent to this company in response to a medical debt collection I was sent and unaware of. XX/XX/17 this company sent a detailed letter and breakdown of services that were rendered by a local hospital in which is a violation of Hippa. I  never sign any authorization for any on my medical information to be disclosed what so ever. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third-party. On XX/XX/17 I responded by writing a letter to the compliance resolution department stating the above and that I would like the invalid information from reporting on my credit report. No resolution was made at all. This is a violation of the fair credit reporting act.
The week of XX/XX/XXXX XXXX XXXX  was blowing up my phone, my mothers phone, and my mother in laws phone all over my debt. I called them and said to remove their numbers and do not call again. They continue to call my phone now and my mothers. They did stop calling my mother in law. They also call from multiple different numbers from other area codes. They will send me XXXX   packages of a bill. I have tried to set up payments with them and it just doesn't seem to be working out. They still are calling constantly and threaten suing me. The customer service is awful. I just do not think its right they have contacted my family about my debt.
Company Names : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX = {$1400.00} XXXX and XXXX XXXX XXXX XXXX # XXXX # XXXX = {$440.00} XXXX, XXXX. ACT # XXXX # XXXX = {$1200.00} Product : Credit reporting, Credit repair services or other personal consumer reports. 

To Whom it may concern, I am reaching out to you about my personal credit that is being held and decreasing because of these credit reporting agencies submitting false and inaccurate information. My biggest problem/complaint is that they are reporting and submitting information does not match on any of my credit reports between multiple credit bureaus. For example XXXX under one and the other XXXX and XXXX as well as inaccurate information like one says opened and the other closed for the same Account Number for the same credit reporting agency, most all of the reports do not match like one says ( Date XX/XX/XXXX & XX/XX/XXXX ) under the same account, the condition reported does not match either and are completely different under the same account. XXXX XXXX is named on my credit report with Original Creditor named as XXXX XXXX XXXX XXXX XXXX and in the other XXXX says XXXX BANK XXXX. All the Dates do not match and conditions do not match either for the same account. As for XXXX on my credit report it states for the XXXX Name : XXXX it does not specify who? What and Why? This is using misdated and misleading information against my name and personal credit report. I have been back and forth this past few years and now I am XXXX  after having lost my left XXXX I am now a XXXX XXXX  and trying to improve my life style. After and long road of recovery and still a long road ahead of myself I am asking help to have these removed so I can take control of my life and improve it. The Deeper Issue is that this still remains after several attempts and contacting the collector for antiquate proof or debt with my authorization or proof of it being me and/or exact dates of said amount owed. I get back letters with barely any information or no response at all. I strongly believe that this is holding false information against my name or even most terrifying that maybe they have the wrong person and taking advantage of my hardship. As a proper resolution I am asking that these be removed right away. I am begging and working my hardest on my own to adjust what I can in life and create a new beginning for myself being XXXX and my pets. I feel that most of these companies have completely submitted and created false and misleading information against my name and I am now just realizing how wrong and incorrect it is.This is  my last attempt to have this removed promptly from all credit bureaues and removed completely against my name. Also I will be submitting letter to Consumer Financial Protection Bureau ( CFPB ) for submitting false and inaccurate information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX
This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX ( {$390.00} ) and Acct # XXXX ( {$190.00} )
I requested validation of this debt several times from both credit bureau and collection agency after seeing it on my credit report. it couldnt be validated by collection agency. i received a fake statement ( bill ) in the mail as validation. Not only do i know this isnt a account thats mine but based on this statement i received the dates of service doesnt  reflect proper name or address at the time. i wasnt known by this new name or address until 6 months ago so how is a statement from XX/XX/XXXX-XX/XX/XXXX showing my new info???
I'm reporting 2 fraudulent accounts inwhich I have no knowledge of and they are being reported by the credit agencies. The following accounts are XXXX XXXX ( XX/XX/XXXX ) the orginal creditor I never had any accounts with.