WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom This May Concern : Upon reviewing my Transunion account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 15 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 28 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks
A complaint was previously filed however, " AD ASTRA '' has failed to comply with FDCPA violations, which have not been adequately addressed in their " reply '' to the initial complaint. 1 ) They failed to provide me notice of how to dispute this or validate this " account '' when they acquired it. 2 ) After I  mailed two separate correspondences to request validation, they failed to respond to either or send the requested documentation. I specifically asked for documents showing an original loan amount with a break down if fees, interests, and payments, so I could determine if this amount claimed owed is not only owed, but reflects an accurate amount. 3 ) After failing to respond in written correspondence and provide that information, they replied to the initial complaint however, this was n't all the information I needed, and I did n't receive amt documentation requested. 4 ) After they failed to provide information to verify everything requested, they also ignored a written request to cease and desist collection due to failure to comply with FDCPA regulations and continued to try collect on this corresponding only in the " company reply '' to the complaint, I provided my contact information months ago, and have not received the requested documentation or satisfactory reply. The original creditor has provided documentation in response to the initial complaint however, AD ASTRA has failed to provide documentation of what they are attempting to collect and reporting, which was different from what the creditor sent.
The debt was paid off, however they are still reporting it as in collections. They say they have no record of payment. I did n't know I never received anything stating it was paid, as I paid it over the phone.
Nelnet / XXXX XXXX XXXX is reporting I have 5 missed payments on student loans that are duplicate accounts to XXXX. All of my school loans have been deferred for years now, because I am still in XXXX. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.
Despite my efforts to keep a substantial amount of available funds in my checking account on a daily basis, TD Bank continues to implement different techniques from within their policies and procedures to justify the overdraft fees being charged to my account. Over the past 2 days, my checking account has been debited {$70.00} in overdraft charges, despite having the available funds to cover all of my purchases and opting out of their Debit Card Advance program. My account balance has never went under {$0.00} since its inception, however TD Banks policies on overdraft charges does not require an account balance to go under {$0.00}. They have designed overdraft policies that allow for them to charge {$35.00} on checking accounts with sufficient balances. Attached is a record of my transaction history which proves that my account balance has always been sufficient when the fees were charged. The overdraft policy implemented by TD Bank has been designed to use the policy against the customer for the banks financial gain as opposed to the policy creating ways to benefit the customer during times of financial hardship
on XX/XX/2018 i contacted american credit bureau, for a debt that was reported on my credit report. I sent them a letter saying that i was disputing the account. I never received a letter stating anything from this company. On XX/XX/2018, i sent out another dispute stating that they never verified the debt or sent any information and have failed to comply with the laws of the fcra for not sending me verification of any debt obtained with that company. I have been patient, but this is affecting my life and I want to get this resolved the proper and easiest way.
I have on numerous occasions contacted this company to work out a resolution on a charged off account that was dismissed in a Chapter XXXX bankruptcy, this personal loan was refinanced on four occasions and a set of interest was added, bringing the overall amount due to be unrealistic, I had talk to the manager in XXXX, Mississippi, and was plainly told that he had already signed a garnishment against me and under the federal Jones act, for maritime seamen, this is invalid, I was directed to the branch manager and I did try to reaffirm the loan in return for them to remove the negative remarks and report it as such, I have to try to make this account right, and I am seeking a resolution for them to remove the excess interest, and to reaffirm the debt out of the chapter XXXX, and I will pay this account if they will stop at the threats, and I asked for my credit report to be corrected with a letter stating such, upon both parties agreeing on the reaffirmed account, I am not only protected from their threats of garnishment by the Jones Act, Federal law ( 46 USCA 11108 )  exempts seamens wages from garnishment, and in the process thereof, immunizes the employer from any liability for refusing to honor any such garnishment. This account is also past the Mississippi statue of limitations of 3 years for court filings, but yet I am awaiting a written response from this company as to a fair resolution and a correction to my credit report immediately, this account is scheduled for deletion in 11 months but I am willing to do the right thing if this company will also do the right thing. This matter was brought about for a situation beyond my control with two major events, divorce and XXXX XXXX, and I think we can reach a fair resolution if this company so desires.
I went into my local Check into Cash on XX/XX/19 to pay back an existing payday loan and re-loan for the same amount as I have done in the past every 2 weeks. Each time I go they force me to sign paperwork stating I agree to have check into cash run my credit to see if I am eligible for additional products they may offer. Each time I tell them that I do not want additional products and services they offer and that I just want to continue with the existing payday loan they tell me I can not re-loan unless I sign that line, removing my ability to opt out. The company has posted 4 hard inquiries on my credit report for no reason and will not give an explaination as to why the inquiries are necessary. The hard inquiries are hurting my credit report and effecting my credit rebuilding process negatively. I am not applying for additional services nor have I inquired about them but instead am being forced to have hard inquiries posted to my account.
Chase closed all m y credit cards and checking accounts without notice. When asked about the reason, none was given except the answer of " due to compliance ''.
I have communicated with the debt collector by way of certified mail for the agency to certify the debt to which they has refused to respond. They refuse to prove that the debt is in fact mine. I have made the request numerous times.
I became very ill XX/XX/XXXX and have been unable to work since. I have had XXXX XXXX because of this issue ( XXXX ) and have had no luck in resolving the problem. I was on XXXX and just this past month was approved for XXXX. I lost my job and all of my benefits XXXX because I could not return to work and at that point my income went down to less than XXXX % of what it was and I had to start paying over {$400.00} a month for health insurance. My fianc and I maxed out our credit cards and used what money I had in my XXXX to try to continue to pay all of our bills including the house mortgage, but it got to the point that we were unable to keep doing it and were just falling farther and farther behind. XX/XX/XXXX year we put the house up for sale and moved into our other house as the mortgage was cheaper ( house that was left to me when my parents died ). In XX/XX/XXXX we stopped paying the mortgage. I have talked to Nationstar on at least 2 different occasions asking about the deed in lieu of foreclosure and they would not answer the question, but would just ask me if I wanted to refinance or if I had refinanced. I explained to them that it would not do any good as I would not be able to make the payment even if it was reduced and explained to them what had happened to me on several occasions. Now they have sent foreclosure paperwork. Why is the deed in lieu of foreclosure not an option? During the 5 years that we owned the house we put over {$30000.00} into the house as we had planned to stay, so the value of the house has only gone up since we bought it.
I already disputed this on XXXX/XXXX/2015, but the creditor came back with a form letter response. I do not feel like it was addressed properly. Residential Credit Solutions was in error with their reporting of my credit history. I felt they used unfair practices to create late pays and fees. They 're not helpful when I call to discuss. They changed my ESCRO account minimum threshold years after I was into a loan. That 's what caused a series of late pays that was eventually corrected, never to happen again.
I Sent W ell Fargo Bank  a NOTICE OF DISPUTE, NOTICE OF DEMAND FOR PRODUCTION OF DOCUMENTS, AND NOTICE TO CEASE AND DESIST
I enrolled in the XXXX XXXX XXXX program and locked my credit after the breach. I went to the website and unlocked my credit and it said it would take XXXX hours. About a week or so later, I tried to have XXXX XXXX XXXX run my credit so I could have an account for their internet services and they said my credit is locked. I got on the website for the XXXX XXXX and it says there is an error. I called Equifax and have talked to 15 different people and no one can seem to fix this issue. They send me back and forth to each other saying I have a lock then the other says no I have a freeze. I can not access or apply for any credit and this is a serious situation.
I had a XXXX XXXX that I believed to be paid off as I was issued a Release of Lien in XX/XX/XXXX. When XXXX failed the mortgage accounts were absorbed by XXXX XXXX XXXX where it remained for several years. When XXXX XXXX XXXX got trouble around XX/XX/XXXX trouble the account eventually went on to Ditech Financial or Greentree as it was known then. When I was contacted by Greentree/Ditech They demanded I start making monthly mortgage payments as they were taking over for XXXX XXXX XXXX. I alerted them to the fact I had a release of lien and should not be making payments, I received no response, I started making mortgage payments in good faith and was current on these payments while hoping the problem would be found which it never was. <P/>I felt an obligation to as Greentree/Ditech had paid the property taxes even though I was supposed to pay them. The monthly payments started at {$300.00} a month and quickly climbed to close to {$700.00} a month, making for a financial hardship. I became delinquent in payments around XX/XX/XXXX while waiting during the investigation. I was offered a loan modification in XX/XX/XXXX ( although I never asked for one ) and received notification stating the payments were received and the modification had kicked in. Two weeks later they attempted to foreclose and denied offering any modification and stated no payments were received, Greentree/Ditech was unresponsive when copies of the payments were submitted along with the letter approving the modification which was not honored. <P/>There are over 15 written enquires which I initiated regarding the situation, all of which were answered by a letter of investigation, which was never followed up. Several of the responses, did not make any sense or relate to the questions I asked. Despite having a Lien Release Ditech continued it 's collection efforts, I was forced into Bankruptcy in XX/XX/XXXX efforts to save the property. They attempted foreclosure on 3 separate instances. It has been discovered in the course of bankruptcy that various documents Ditech produced were forgeries and fraudulent in nature, there was no response by them when they were noticed of this by them or their attorneys. Country property records do not show any tie between Ditech and the property in question. There are hundreds of pages of records documenting the information provided above and will be provided upon your request. Ditech was the subject of a XXXX XXXX dollar Class Action Lawsuit several years back for these same transgressions.
I sent a letter out to XXXX XXXX in XX/XX/2017 for verify the debt on this account. I never received anything in return about the debt.
" " '' I have disputed this charge off on this XXXX/XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
1. Around XXXX 2017 & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with XXXX XXXX attached will be the 3 recorded satisfactions/release while the judgement on this mortgage was left opened. 
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to XXXX XXXX & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which XXXX XXXX told us was OK to release to them their attorney.
I am currently enrolled in school and working on building my credit. My loan is now deferred, but I have several missed payments being reported on my credit report that is dropping my score. How can I have these remarks removed now that my accounts are current and may have been reported incorrectly?
Bayview XXXX foreclosed on my property without proper notice nor will provide documentation to me or my legal counsel showing they did act within the law. Me and my legal counsel has requested the required documentation from the trustee Co and have not provided proper documentation. I was in the middle of a loan modification while all of this was taking place.
They are saying I am out of school as of XX/XX/2018. They did not do their research. The new school session started on XX/XX/2018 and I am currently a XXXX   XXXX. Also, the school on the loan needs to be updated to XXXX XXXX, they have the wrong school attached to the loan.
My credit report ran on 3 credit bureaus while they said it will be only one bureau and soft check. They ran for a used vehicle which is not even available and I lost 11 credit points for a useless cause. They don't even have other vehicles and tried to sell a very expensive SUV to me. The finance manager did not answer my inquiry properly and was very rude.with his unpleasant behavior I was shocked. He just told me I can do whatever I can. This is happened at XXXX XXXX at XXXX, XXXX, FL.
My name is XXXX XXXX XXXX an underwriter for the XXXX XXXX XXXX XXXX XXXX, on behalf of our Client XXXX XXXX on his foreclosure case and in addition helping him to obtain a Tier 2 modification of mortgage since XX/XX/XXXX. We had provided a total of five complete loss mitigation packages to this terrible servicer. The first package was fax on XX/XX/XXXX, second XX/XX/XXXX, third, XX/XX/XXXX, fourth, XX/XX/XXXX and Fifth XX/XX/XXXX. Ditech listed as one of the most deceitful servicer in the Country not once has send a correspondence to this office. On XX/XX/XXXX I called Ditech and talked to a Customer Relations Manager XXXX Id # XXXX, hope he exits and he advised me that nothing has been look in these two years by Ditech. As a ex-underwriter for XXXX, I told XXXX that Ditech had violated RESPA 1024.41, since I presented this file before XX/XX/XXXX, they had violated this law. He advised me that a letter went out to the customer on XX/XX/XXXX informing XXXX XXXX he did not qualified for any loss mitigation option. My answer to XXXX was you generate those letter anytime you want and send them to the customers, without reviewing any files been sent for loss mitigation review, but your institution to bill the Treasury. XXXX XXXX who confirm also he had worked in the pass for XXXX, agreed with my statements. Servicer do generate letters at any time to cover themselves, they brake the law all the time, they lie, and they mislead the government and Americans. This is a XXXX XXXX Loan they should do better than this.
I received a letter from the law firm Lloyd & McDaniel , PLC on XX/XX/XXXX stating my account from XXXX XXXX had been referred to the law firm for {$1200.00}. I mailed a written request for validation of this debt on XX/XX/XXXX. I received a letter from them on XX/XX/XXXX stating that my account was originally opened on XX/XX/XXXX and that their client has verified that the balance is correct and copies of billing statements from XX/XX/XXXX through XX/XX/XXXX. The problem is that I had two accounts with XXXX XXXX. One opened on XX/XX/XXXX and one opened on XX/XX/XXXX. These accounts had two different account numbers and two different amounts charged on them. The one that the law firm stated in their verification that was opened on XX/XX/XXXX is not the account number listed in any correspondence from them. The law firm filed suit against me on XX/XX/XXXX concerning this amount owed except I don't know which account it is since the date opened and account number do not match.
XXXX  has information in my credit report that is not correct due to their linking another individuals derogatory credit with mine. I have made numerous attempts to get this issue resolved. I am continually told by XXXX that they can not remove the disputed, derogatory items ; even after I have disputed the items several times and have given XXXX the correct information. This was done some years ago and they have once again created the same issue. XXXX  has sent the individuals information to my address as I am certain the individual has been sent my information. This has caused a very negative situation for me on my credit record and is indeed creating issues in every aspect. This individual has many, many collections against them. This individual has not been a responsible creditor. I have always handled my credit responsibly. 
I have also found out that this person is linked to my XXXX XXXX XXXX ; causing false reports about accidents for my vehicle with XXXX. I have requested to speak to supervisors and continue to be told the file is being sent to maintenance to get the issues resolved. I was also promised someone would send me information or a call back. I have yet to hear from anyone, unless I initiate the call. The individual that is linked with my credit lives in XXXX, NC. I live in XXXX, NC. We have some similar information, yet there are many differences that should be distinguishing. 
On XX/XX/XXXX, I spoke with XXXX XXXX who stated that the file had been sent to maintenance for investigation ; I was instructed to call back XX/XX/XXXX. I called again XX/XX/XXXX, this time speaking to another supervisor, XXXX, who promised to follow the issue until resolved and personally call me back. XXXX said she saw what the problem was and understood my frustrations. I never heard anything more from XXXX. On XX/XX/XXXX, I spoke to XXXX, who stated the file was being sent to maintenance. 
XX/XX/XXXX, I called each of the disputed creditors and was told by each one that they had nothing on me ; my name nor social security number was not in their database. I was told that this was an error on XXXX part and they would have to correct it. I was also told that XXXX was not going to call the creditors ; they would just send the information that was disputed. XXXX  has continually sent the information attached to my name without separating the names causing the disputed bills to remain linked to me. 
XX/XX/XXXX, I spoke to another supervisor who stated there was nothing that could be done to remove the information until the investigation was complete and the reporting companies okayed the removal of the disputed items. I informed the supervisor that I had spoken to each of the reporting agencies and their responses, yet to no avail. I will send documents that will reference all of the above. Hopefully, the dates and documentation is visible.
I am extremely disturbed with Bank of America. They refused to review my loan for a modification review. I provided all the documents so I can be review, however ; they are just prolonging my loan so I can keep falling more behind. I tried to offer a settlement but unfortunate Bank of America stop offering settlements since XXXX 2016. Bank of America requested proof that my loan was not eligible to refinance before I can be offer a modification.Bank of America does not want to used the information I provided which is proof that my loan was not eligible for a refinance. This is not acceptable because I have tried to negotiate many times with Bank of America and they keep turning me down. I really dont want to end homeless specially at my age. As a homeowner I have my rights and I honestly I believe Bank of America is doing all they can to deny my loan for any assistance.
I Sent several letters to XXXX and Experian stating that I did not owe XXXX or XXXX XXXX Hospital XXXX dollars. I disputed the debt and I requested that XXXX and Experian investigate the matter and remove off my credit. I requested a copy of the application and any documents with my signature to validate the debt. I have sent letters but did not get any responses to my request. NOTHING. This has been going on for more the 5 months. 

1 ) They failed to respond within 30 days ( it has been more than 5 months ) 2 ) They failed to provide any documentation ; 3 ) XXXX gave me at of Service date of XX/XX/XXXX ( 6 ) yrs old beyond the state of Louisiana ( 3 ) year statue of limitation 4 ) XXXX XXXX XXXX Hospital is closed down since XXXX XXXX ) XXXX does not Respect the Law