WillisBack/dataset-financial-user-claim huggingface dataset:
On several occasions I have contacted Bull City financial Solutions : XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX about a {$330.00} debt on my account for a account at XXXX XXXX. I have submitted letters stating this debt is not mine at no time did I authorize services in my name nor have I had them. I sent proper documents stating this that they have requested and they have refused to respond nor remove this item from my credit report. It has been more then enough time for this item to be removed.This debt does not belong to me and I have provided more then enough information to show this. I do not know what else I can do to get this removed they refuse to do so.
I went through the process on www.annualcreditreport.com and asked for 2 free annual credit reports : XXXX and Transunion. I got the XXXX report, but this is the 2nd time in 2 years I was unable to review my Transunion report. They ask questions that are not answerable : they asked under what name I have used for credit and the ones they suggested are incorrect and ... 

HOW CAN I KNOW WHAT INCORRECT NAMES THEY HAVE RECORDED FOR ME WITHOUT SEEING THEIR REPORT??? 

Also, every one of the 3 first questions they asked were " NO, does not apply to me ''. 

So I went of TRANSUNION web site to request it there, but on the 2nd step, they asked for a credit card number ( which by the way, they made no mention of price!! ). ALSO, they forced me to *not* use spaces in my own name on their web site ... which my name does have!!! That's not a technical limitation anywhere in 2018 except with a company that obviously is discriminating against non-Anglo people. 

Transunion is I believe FRAUDULENT. BTW, my credit score is above 800, so this is not about anything else than me wanting to review what they have in my credit file. From the problems I've experienced now TWICE over the years getting access to MY information, I suspect problems in the file.
I gave you a detailed explanation with documents on " what happened ''! You ARE NOT ON OUR SIDE!!! You 're a XXXX XXXX that collects money from we taxpayers with no real intention of helping anyone! You 're a XXXX farce, a fake! and SOON you will ALL be exposed for the XXXX, the demons, the discredit to the human race that your are!!!!
Late last year Key Bank acquired XXXX XXXX XXXX. Around the time of conversion, Key Bank posted my payment for both my Mortgage and Home Equity incorrectly ( XXXX and XXXX ),  causing me to show as delinquent. I received several phone calls telling me that they were attempting to collect a debt, after I did research I found that they posted the payments incorrectly. I explained this information to them, they said they would fix it. The next month I received the same phone calls saying my payments were past due. After approx. 3 hours of phone calls ( trying to get to an individual that would be able to help me ) they acknowledged their mistake and provided me with a letter saying it was their error and no negative information was reported. I pulled a Credit report, and they did in fact report me as 30 days past due twice ( XX/XX/XXXX and XX/XX/XXXX ). I again spoke to several people at Key Bank and even made a trip to my local branch. They said the issue was corrected and again gave me documentation stating I was not past due at any point during my loan. Fast forward to last night, when I applied for a new mortgage, and was told my rate would be 1/8 higher then quoted because my credit score was below XXXX on two of the major credit reporting companies. Upon looking at the credit report, it was noted that 2 of the companies are showing I was late with my Mortgage held by Key Bank. The one that was not reporting me as past due had my score above XXXX..enough to get the lower rate. So now because of Key Banks error and their incompetence to make the correction correctly, I am now going to be paying more for my mortgage in addition to the {$32.00} I just paid to see my full credit report. I have never been late on my mortgage or my HELOC and I am beyond upset that because Key Bank made several errors, which they have admitted to, I am going to be paying more for my new home. Does not seem fair to me.
I originally had a mortgage with XXXX, and requested a modification, after numerous conversations and requests for paperwork I was working with a specific person, we spoke daily, and suddenly I got a letter that my loan was then with Caliber, after sorting that all out, I had to begin the mod process all over again with them. I filled out the application and sent the documents they requested. shortly after I received a letter that the request was received and is being processed, after that almost daily and sometimes XXXX a day, I would receive letters from Caliber, some saying everything was received for my request for a mod and it is being processed and a date that I should hear back, the next letter would say that my request was received but some documents were missing and are needed and a different date of deadline would be on that letter, and then another letter after that stating al had been received it is being processed and yet another date of when I should hear something by. I had to call and sort it out, and was told correctly and sent what was if anything needed, and tat it was being processed and that I would received information in the mail regarding the next steps, the only thing, however tht I have ever received from them has been letters requesting more, already sent information, or a letter saying its all in and being processed, or a monthly statement. I have never received a mod decision, or my options, in XXXX actually 3 months after I spoke with them about the letter I had been receiving, I received a packet about my options because of missed mortgage payments and a modification application. I called in questioning this, and was told that they never received everything they requested and if I want to move forward that I needed to send in another application, as confused as I was, I sent in the application and all documents yet again, and received a letter stating it was being processed. since then I have received monthly statements from them, I received a letter from the attorney representing them about a publication notice, but never a thing from Caliber in regards to it, nor have I received anything from anyone explaining that any further. I then got a letter stating that XXXX XXXX XXXX was now the servicer of the mortgage, just as I had received when XXXX sold to Caliber, that was In XXXX, and since then I have been waiting to receive information to resume or bein the mod yet again with XXXX XXXX. I have never been set a decision or options for a modification, I have sent it any and all information regardless of how many times I have already done so. I have been waiting to hear from Caliber so that I can move forward, as I have full intentions to pay for my mortgage, but I had a change in my situation and needed some help. 
I have heard that I am now supposed to leave my home, I am being evicted, yet I do n't know why, or when this happened. because I have heard nothing, like I said I have waited on a decision for mod that I have never received, the options that I am supposed to be given, were not given, " keep homeowners in their homes '' is apparently not at all what anyone wants to do.
On XXXX XXXX, 2017, I attempted to initiate a dispute with Experian in regards to my account with XXXX XXXX XXXX. The account is reporting a balance ; however, the account is paid in full. Experian would not allow me to submit a dispute.
I have been going back and forth for a few years with this collection agency who has been unable to validate the cause for said charges being collected on behalf of XXXX. I have disputed the collection with the credit bureaus more than XXXX with them being deleted due to no verification. I have made it very clear that the charges are not a valid amount and based on the current FTC cramming case, there is obvious proof that the collection balance is invalid. I have been validated as a customer involved in excessive cramming charged being added to my bill on multiple XXXX accounts. At this point, I would like COI to figure this XXXX out with their client.
Over the course of 14 years, Wells Fargo caused financial harm to my family and I by aggressively inflating mortgage insurance, cutting a side deal with insurance carriers, and over charging my account for lender placed mortgage insurance and fees. The market place value for the insurance coverage is significantly less than what I paid while the coverage is skimpy. Additionally, the lender entered into a settlement for their egregious unlaw practice and failed to include my family and I in the settlement.
XX/XX/2018 ... received a denial letter from XXXX XXXX for request of credit ... XXXX denial, aware of due to credit freeze on all three credit reporting bureaus. In addition to XXXX, denial by XXXX  , XXXX?????? Who is this?????????????????????? We have had a credit freeze on the three agencies we are aware of and instructed to freeze to avoid identity theft - have NEVER heard of this XXXX? In addition to the surprise of finding this company, they have our credit score at XXXX of a XXXX high score!!! Really shocked now! We have had credit for over 40 years - owned 16 homes, multiple auto and revolving loans - NEVER paid late in all those years! The reasons for this score are absolutely absurd!! These credit bureaus need to reflect credit history on someone's social security number and years of credit! We have been in the mid 800 's for years and years on the other agencies. This company should NOT be allowed to be in our business without notification.
I sent a certified letter to TransUnion Credit Report Bureau, asking TransUnion to remove the following Hard inquiries from my credit report : 1 ) XXXX  On : XX/XX/XXXX 2 ) XXXX On : XX/XX/XXXX 3 ) XXXX  XXXX On : XX/XX/XXXX 4 ) XXXX XXXX XXXX  On : XX/XX/XXXX 5 ) XXXX  XXXX On : XX/XX/XXXX 6 ) XXXX On XX/XX/XXXX I told TransUnion above companies were not authorized by me and for TransUnion to remove inquires or provide proof of a written documentation showing I authorize it. TransUnion responded today ( XX/XX/XXXX ) with a letter stating " Your written authorization may not be  required to constitute permissible purpose '' and to contact the creditor directly. See attached TransUnion Letter.
On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''.  However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.
Due to XXXX and combined low income, we are selling our home of XXXX yrs. The " title search '' provoked a demand for payment from a XXXX lien with Specialized Loan Servicing , LLC, which we did not expect! In XXXX, due to medical issues and expenses, we refinanced through XXXX XXXX Mortgage Advisors who obtained for us XXXX mortgages, XXXX which would later be sold to SLS. XXXX, we filed a chapter XXXX which was discharged in XXXX but, did NOT include our XXXX ARM mortgages. Wrote to SLS and XXXX XXXX XXXX XXXX asking to modify our loans due to financial hardship. SLS complied and we made our payments on time until XXXX XXXX. 
At that time, I spoke to our XXXX XXXX XXXX, regarding tremendous fear of losing our home, as we were " under water '' $ XXXX!! We also had no choice but to use credit cards for treatment of the XXXX XXXX!!! THAT alone was costing OUT OF POCKET up to {$600.00} a month to stay alive, which medical insurance would not cover at the time!! XXXX recommended a person at XXXX XXXX in XXXX for prevention of foreclosure. That person told us to STOP PAYING XXXX mortgages at once. He said the small mortgage with SLS ( $ XXXX ) would likely get thrown in a " pool '' along with other small loans & be forgiven with all the " bail outs ''. He said it would cost more than the loan amount for them ( SLS ) to go after us, and we would likely not hear from them again, which we did not, until now. 
SIx years later, SLS is demanding $ XXXX inc/interest from the house sale, leaving us broke & virtually homeless! We were counting on using the profit from our home to relocate and find affordable housing, which we had in place. 
Last month, I called XXXX and spoke with a representative at length about our situation and asked if there was anything we could do? Perhaps negotiate the accrued {$10000.00} in accrued interest? She was rude, uncaring and refused to negotiate anything, stating there was nothing they could do for us. 
This is why we are reaching out to you for help! We do have buyers and if all goes through, we will have to be out of our home by mid to end of XXXX. Time is of the essence!! Thank you for your time!
I have been trying to get my home sold in a short sale. On XXXX XXXX, the bank came back with a counter offer and said it needed to be accepted by XXXX XXXX or the file would be closed out due to an upcoming sale date in XXXX. The buyers accepted the offer within an hour of the phone call from the bank. My attorney called the bank immediately to let them know it was accepted. The person assigned to my file ( XXXX ) was not available, they spoke with the single point of contact ( XXXX ) who was rude but said she would send a message to XXXX letting her know it was being accepted. She said my attorney needed to email or fax the new offer, HUD and proof of funds. My attorney immediately emailed it. My attorney called back later that day and they said it was not uploaded yet, they were advised to try again tomorrow. My attorney called back the following day ( the last day to accept the offer ), once again XXXX was not available, the person at RCS said the documents were still not uploaded. The representative at the bank sent XXXX another message advising her that the buyer had accepted the offer and my attorney emailed the documents again and faxed them as well. My attorney called back the following day, once again XXXX was not available, the person at RCS said the documents were still not uploaded. The bank representative sent XXXX another message advising her that the docs had been sent and the offer accepted. The same thing happened the following day. Today, my attorney called back and they were told that the file had been closed out due to the buyer not accepting the offer. RCS has continuously mismanaged my file and it appears they are intentionally ignoring the fact that the offer was accepted in the time frame required. My consumer rights are being violated by RCS. Please have RCS cancel the auction scheduled for XXXX XXXX as holding the auction would be an extreme show of bad faith by RCS and a violation of my consumer rights.
I am currently being considered for a loan modification and have provided all my paperwork to my mortgage company ( America 's Servicing Company ). They are telling me I am in the final stages of review but that I have a foreclosure sale scheduled on XXXX/XXXX/15. I need help getting the sale postponed so they can complete the modification review.
I accepted service from XXXX XXXX XXXX. The company did not inform me that internet was required. They also told me that the agreement was at will without penalty. They never addressed my needs as a customer. My bill is only {$230.00}. They placed false information regarding my bill with a collection agency who has placed information on my credit report without contacting me or giving me an opportunity to dispute the validity of the debt. The debt is not valid. The actions are unlawful and I am requesting that the actions of this collection agency be reported to the Federal Trade Commission.
When I first purchased the vehicle, I was told by the dealership that the loan would be due in 45 days. When I spoke with the lending company, they told me that wasn't true - the paperwork was submitted for 30 days. I explained that I could not make a payment at the beginning of the month, that I would need to have my payments due after the XXXX of each month. I was told there was nothing they could do to change the payment date. I've since gotten behind, and can not keep up with the late fees. Because my account is now past due, they tell me that they will consider changing my due date once my account is current, but will continue charging me late fees if I don't pay at the beginning of each month. Beyond being unreasonable about the due date of my payment, they refuse to take any form of payment from me aside from a credit card payment. They charge a {$7.00} fee to make a credit card payment. They refuse to waive the fee even though they will not accept any other form of payment from me.
I am writing this due to Non-compliance with the Credit bureau Transunion, the account ( XXXX XXXX XXXX XXXX ) they have failed to REMOVE this account that wasnt validated and still are reporting inaccurate information ( TERMS, ACCOUNT STATUS, PAYMENT STATUS, PAYMENT HISTORY DETAILS, BALANCE, PAST DUE AMOUNT, ORIGINAL AMOUNT, COMPANY SOLD TO ) This account was requested to re-investigating the accuracy and also to fully validation this account due that they supposedly the own the account, so that Means that they can provide all the documents I requested and send me a copy of all the validation. So, I need this account to be deleted as soon as possible base on the consumer protection law. Under the consumer protection law this account is not practicing the Act. And the Acts are Fair Credit Reporting Act, Fair Credit Billing Act, Equal Credit Opportunity Act, Truth and Lending Act, and the Fair Debt Collection Practices Act. Furthermore, I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the LAW. 

This is a final notice that I will be seeking legal actions towards Transunion if this account is not deleted.
Transunion 's credit report is filled with false information which has damaged my credit score. Per their instruction via telephone, on XXXX XXXX, 2016, I mailed them a letter stating the corrections that needed to be made and attached proof of my identity.They had told me that they would contact the creditors and have the problem fixed within 5 to 7 days. I continued to receive credit reports that carried the false information so I contacted them again by phone today, XXXX XXXX, 2016. A supervisor, XXXX, told me that they only contacted the creditors 9 days ago! Due to my false lousy credit score, my home insurance policy premium was raised. My husband and I applied for a small ( {$5000.00} ) line of equity and could not be approved due to my score. The other XXXX credit bureaus show none of the false information that is on my Transunion report. Unfortunately, this is the company everyone refers to and I ca n't get them to fix it.
In early 2014, XXXX XXXX XXXX sold my mortgage loan to Everhome Mortgage. I started calling Everhome in early XXXX and on a daily basis and could not get a response. Shortly after, I received a letter stating the foreclosure sale would be cancelled for XXXX. Then Everhome agreed to a modification trial payment plan. I started making my XXXX payment in XXXX 2014 and continued to do so. When my payment for XXXX was mailed in On XXXX XXXX, 2014 my check was returned and I received a notice stating unless I was in an prior arrangement they could not accept the payment. I was already on a trial plan. My home was foreclosed in XXXX. The balance of my home was {$52000.00} dollrs and they sold it for {$68000.00}. My property was illegally foreclosed. Everhome told me that they sent the documents to my home. The only address I ever received my was at my XXXX XXXX . They were aware that my home was rental property and they explanation for foreclosing was because they XXXX the documents to the house.
I was threatened over the conversation by a phone call from Bank of America in early XXXX, 2015. The gentleman told me that I am fully responsible in debt of {$21000.00} because this account is under my name with my social security number. I was very afraid my credit will be damaged and worried about the employment opportunities in the future if I refuse, I agreed to settle with him verbally. 
I received the confirmation letter about two weeks later, the settlement amount of {$5500.00} scheduled of XXXX installments starts from XX/XX/XXXX. Each payment will deduct from my checking account automatically. However, I discovered this account does n't belongs to me ; I am neither the business owner nor holding Tax ID. Meanwhile, I do n't have enough money to cover the payment. 
The overdraw protection plan of the BOA works and yet accelerate more debt. I called to reverse my money back to my checking account, unfortunately, every one were dropping the ball although XXXX of the gentleman told me that he is issueing the request for me. I went to bank 10 days later personally, they told me it is still processing because holiday and weekend. 
I also discovered none of any letters from I received indicated the fully credit card number ( XXXX of confirmation, XXXX of reminders to XXXX of attempt to collect a debt. ) I 'm very anxious want my money back to pay the other past due payments. I should n't made this kind of mistake, what a fool I am!
I have made numerous attempts to resolve the issue of addresses that do not belong to me being reported on my report. I have been contacting Equifax since XX/XX/XXXX of this year for the same issue and every time I get another rep who claims they will make sure it is removed they submit a dispute give me a confirmation # I get the results that they claim they removed and when I request for an updated report it still shows the same information I was advised was removed. I have spoken with their fraud department I have spoken to many reps that last 2 I spoke to XXXX XXXX on XX/XX/XXXX who provided me confirmation # XXXX which results state " DELETED '' and XXXX today on XX/XX/XXXX who provided confirmation # XXXX I also have spoken to many supervisors as of today I spoke to XXXX who gave me confirmation # XXXX. I also have previous confirmations XXXX & XXXX which also state results " DELETED '' I keep advising them XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX DO NOT BELONG TO ME
Filed a dispute against a merchant for not sending goods as ordered. I called synchrony bank which manages my XXXX master card. They took the dispute but have declined to give me temporary credit during the investigation. They are sending me bills to pay on the amount charged by the merchant.