WillisBack/dataset-financial-user-claim huggingface dataset:
STONEGATE MORTGAGE CHARGED ME PROPERTY TAX AND HOME OWNERS INSURANCE FOR THE YEAR XXXX, HOME WAS BOUGHT IN XXXX XXXX, ALL THESES FEE 'S WERE PAID AT CLOSING IN XXXX, XXXX XXXX XXXX. THEY CHARGED ME HOME OWNERS INSURANCE FEE 'S OF XXXX. WHICH WAS NOT DUE XXXX, I WAS ALSO CHARGED IN XXXX, WHEN THE POLICY RENEWED IN XXXX XXXX, ON XXXX XXXX I WAS CHARGED XXXX. FOR PROPERTY TAX, WHICH MY TAX BILL DID NOT COME OUT UNTIL XXXX XXXX. WHICH I ALSO PAID AGAIN IN XXXX. THEY RAISED OUR ESCROW ACCOUNT EVERY YEAR WE HAD THE LOAN, THIS YEAR IT WAS RAISED XXXX a month. a total of XXXX a month. THERE IS ONLY XXXX TAX BILLS ON THIS HOME, FROM XXXX, XXXX, XXXX XXXX THEY DEDUCTED FROM ESCROW ACCOUNT THE PAYMENT FOR TAX 'S. XXXX OFFICE SHOWS PAYMENT MADE XXXX XXXX XXXX. EVERY MONTH OUR ESCROW ACCOUNT GOES UP AND DOWN. WE HAVE A USDA LOAN FEE DUE ONCE A YEAR. {$440.00} I HAVE ALL DOCUMENTS TO VERIFY MY ACCOUNTS, ALL STATEMENTS FROM THE BEGINNING OF THE LOAN TO CURRENT. OUR CLOSING PAY OFF IS CHARGED XXXX OVER THE PAY OFF BALANCE. THEY ARE REQUESTING MONEY GO TO OUR ESCROW ACCOUNT, FOR WHAT. WHEN WE SELL THE HOME, WE PAY OUR TAX 'S FOR THE YEAR AT CLOSING. THEY SAID THEY ARE CHARGING ESCROW FUNDS TO GO FOR TAX 'S IN XXXX. I JUST WANT MY MONEY BACK. I HAVE ARGUED WITH THEM FOR OVER A YEAR. BUT I CAN NOT GET ANY WHERE, PULL UP XXXX XXXX TAX COLLECTOR. PUT IN MY NAME XXXX XXXX. SEE HOW MANY TAX BILLS THERE ARE FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!! AND I WAS CHARGED FOR XXXX, THAT EXPLAINS WHY EVERY YEAR I WAS COMING UP SHORT. THEY HAVE HELD PAYMENTS FOR LATE CHARGES, I WAS ONLY LATE A FEE TIMES, WHEN I WAS I MAILED PAYMENTS OF XXXX FOR THE LATE FEE, I HAVE STATEMENTS HERE WHERE THEY BILLED ME, FROM XXXX TO XXXX FOR LATE FEE 'S. I JUST WONDER HOW MANY MORE PEOPLE HAVE BEEN THREW THE SAME THING. I ONLY HOPE IT IS ALL CORRECTED AND I GET MY MONEY BACK.. THANK YOU FOR YOUR HELP XXXX XXXX
In XXXX 2008 when I bought my house that was listed for {$190000.00} the bank told my real estate agent that in order for me to secure the house I will have to over bid and offer {$210000.00}, the bank mislead me to offer {$18000.00} over the listed price, when home prices were actually dropping and no raising, and the bank knowing this approved the loan, after about 4 years my home value went down all the way to about {$130000.00}, at the time when the economy was really bad my employer changed my salary status from {$XXXX} yearly to {$XXXX} hourly. I took about 35 % pay cut and I was struggling making my mortgage payments so I was forced to ask the bank to help me to modified my home loan to avoid loosing my house, after months of fighting with the bank they approved a loan modification, but what they did, they added around {$12000.00} to my loan debt, they gave me 4.5 interest rate and they reset my loan to 30 years again ... 
Right now after 7 years been paying my mortgage, my loan balance is {$200000.00} and my home value now is around {$180000.00}, I pay over {$100000.00} towards my house and my mortgage balance still {$200000.00} how is that possible? .... 
At work now after all the salary cut I took, they cut my hours as well and over time is out of the question anymore, so I been struggling paying my mortgage for the last 2 years, I used all my savings, and I been living in credit in order to be able to pay my mortgage, but I came to appoint where I do n't have more savings or credit available or unused credit in order to continue paying my mortgage, I contact my bank for help but as always, they just keep me running in circles, requesting the same information XXXX of times and loosing papers time after time without a concrete answer to solve or help me to keep my house ... 
I believe I was a victim of predatory lending, no just XXXX but XXXX times already with the same bank, and after all the money that the government gave to the banks to help people like me that is in trouble paying predatory mortgages, the only thing that in this case my bank does is profit more ... 
That 's why im requesting an investigation from your agency and review my loan and the modification that they did and why my balance still so hight and why the bank is giving me a hard time to do a real loan modification when a person like me really needs it and refuse to do it when I qualified for XXXX.
I had a student loan XXXX. The loan was placed for collection XXXX where it was paid in full. I have attached a copy of my credit report from XXXX showing a " paid charge off '' with XXXX..and a " paid coll '' XXXX. 

This week when my report was pulled XXXX now shows the balance again and " charged off '' on the account. This is a violation of my rights under the Fair Credit Reporting Act Sect. 623 XXXX a ) ( 1 ) ( A ) reporting information that they know to be incorrect. The bureaus have allowed a paid charge off to be changed to a charge off and a paid balance to be reinserted when they know it to be otherwise.
On XX/XX/2016, I received a response from Wells Fargo about my account Project Visa XXXX and XXXX today XXXX. The response did not address any of the issues that I raised.The investigator just wrote a short response and printed a bogus transaction history. She claimed that I was 180 days late, but the history did not show that. The history showed that I paid in timely manner.
I RECEIVED A LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXXXXXX XXXX. ( ATTATCHED ). THE LETTER INFORMED ME THAT THEIR OFFICE WAS RETAINED BY XXXX XXXX XXXX XXXX XXXX XXXX TO COLLECT A DEBT. I CALLED THE NUMBER PROVIDED AND EXPLAINED I HAD KNOW IDEA WHAT THIS WAS ABOUT. ALL MY STUDENT LOANS WERE CONSOLIDATED IN XXXX. I HAD NOT RECEIVED ANY BILLS FROM THIS COMPANY AND ALL OF SUDDEN IA MTHREATENED WITH A DEBT COLLECTOR. I TOLD THE ATTORNEY ( XXXX XXXX ) TO SEND ME PROOF OF WHAT HE WAS TALKING ABOUT. 
ON XX/XX/XXXX I RECEIVED AN EMAIL FROM MY FORMER BANKRUPTCY ATTORNEY 'S SECRETARY ( ATTACHED ) WITH AN ATTACHED LETTER FROM THE XXXX XXXX XXXX ( ATTACHED ). THEY SENT MY FORMER ATTORNEY DOCUMENTS SIGNED ON XX/XX/XXXX FOR A XXXX XXXX LOAN ... NOT XXXX XXXX XXXX XXXX  BUT THESE DOCUMENTS WERE NOT MAILED TO ME. WHY? MY BANKRUPTCY ENDED A FEW YEARS AGO. 
I NEED HELP BECAUSE I DO NOT BELEIVE THIS COLLECTION IS CORRECT. I REFINANCED MY HOUSE LAST YEAR AND THIS NEVER CAME UP AS AN ISSUE. I CONSOLIDATED MY STUDENT LOANS AND YET I AM GETTING AN UNEXPECTED HARRASMENT FROM THIS LAW FIRM REPRESENTING THIS XXXX XXXX XXXX XXXX XXXX. PLEASE HELP ME
I filed a bankruptcy for chapter XXXX in XXXX and the discharge of it went out since XXXX. Van XXXX years of that process and still Equifax shows the same in my credit report.
On XXXX XXXX, 2008 the credit market for my MBS contracts/contracted was restricted to the wider credit market by this unknown alleged finance entity on record on my real property credit contract after " Tender '' under Federal law was offered to the unknown party removing them from contract with/for TILA rescission 15 U.S.C. 1635. I have been discriminated against based on my MBS contract to a wider market. This unknown party had to be removed them self 's so Tender could be offered. 
Tender was Offered if the procedures were followed. As such you do not get a House. Tender was offered you have no legal standing after Tender was offered by Federal Law.
I inherited Nationstar mortgage company- they were not who I initially financed my home with. I have had problems with them since the first month they took over my loan. The first thing was, I have a XXXX. I am in and out of doctor offices, etc. I had paid all my payments on time until one summer when I was able to pay only half and worked out an arrangement to pay other half by end of month. No one ever explained to me that that money would go into a " suspense account '' and would NOT be applied to what I owed! When I went to pay off the months balance, I was given the entire months rate PLUS the next month. When I asked what happened to the half I had already paid, they then explained the suspense count but REFUSED to let it be counted toward what I owed- so in the meantime, they were racking up on late fees and increased interest rates. It has been one problem after another, but this last issue is IT for me- XXXX. I go on XX/XX/XXXX for XXXX. Although my life has literally been turned upside down, I have STILL tried, to the best of my ability, to pay my bills. I made a payment to Nationstar on XX/XX/XXXX and authorized that payment to be taken from MY bank account ( which should have been the ONLY account on file since I pay for this house ), however, my husband and I keep separate accounts and he had made ONE payment for me when I was very sick but did NOT approve keeping his information. Nationstar deducted the mortgage out of his account rather than mine WITHOUT his authorization!!!!! Whether his information was in their system or not ( which it should n't have been since he did n't give them permission )!! I have attempted to rectify this situation but the people you speak with there are rude, disrespectful, uncaring and unwilling to help you WORK OUT A PLAN SO YOU DONT LOSE YOUR HOME- especially when you have been a paying customer for all of these years other than when you are hospitalized or at home so sick that you ca n't even get out of bed- I am tired of this company and their practices and someone needs to look into what they charge their customers and what they actually do with money paid and how they keep other people 's account information on file so they can use it at anytime they please!!!!
To whom it may concern, I have stuff on my credit report i 'm disputing that does not belong to me, the collection Agency and creditor will not send me a copy of the signature, they say is mine, which is not mine. I all XXXX collection agencies could not find anything so they told me to dispute it with CFPB, this week i will mail you all the info, they said its listed as mark but i do not go by XXXX i go by XXXX. MCM ( Midland ) will not send me a copy of the signature, and threaten me they are going to turn it over to Attorney. Thank you, XXXX XXXX email XXXXXXXXXXXX XXXX
I did n't recognize these accounts : "  XXXX   XXXX   XXXX  Account #  XXXX  '' "  XXXX   XXXX  Account #  XXXX  ''
A XXXX credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing
On XX/XX/18 my Husband called me at XXXX ( EST ) and stated Kohl 's was on the other line and stated that I had a payment due. My husband proceeded to tell me the exact amount that was due and even how the bill was sent to me. My husband stated to Kohl 's that he is the only one that pays the bill and that something must be wrong. That is when a rep from Kohl 's advised of the amount to him and that the statement is emailed to XXXX. I hung up with my husband and immediately called Kohl 's as my privacy was violated. I am the ONLY one on the credit card and he has no right to any kind of information on the account. I called Kohl 's at XXXX ( EST ) on XX/XX/18 to address this issue. I was on the phone for 28 minutes. I spoke with " XXXX '' ( employee # XXXX ) who piddled around answering my question as to who is entitled to have information on MY account. She finally stated only I was able to have information. I asked to speak with a manager. I believe someone by the name of " XXXX '' got on the line and I did not trust he was a manager. Finally someone by the name of " XXXX '' ( employee # XXXX ) got on the line. He stated he was the " site manager ''. I explained by story and that I needed this corrected as my privacy was violated by providing out personal information to someone not even titled on the account. I advised I needed a call back with a resolution to this issue and requested a call back by XX/XX/18. I was reassured that I would have a call back. I even verified my cell phone number as the number of contact. I have yet to hear back from Kohl 's in regards to my violation of privacy and failure to protect my information.
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between XXXX ( XXXX ), XXXX ( XXXX ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
I have about XXXX inquiries that I did not authorize in the past 12 months : 1. XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX  ) XXXX ( XX/XX/XXXX ) 2. XXXX XXXXL XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX inquiries on XX/XX/XXXX and XXXX inquiry on XX/XX/XXXX ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX  ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX (XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 8. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 11. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 12. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX (XX/XX/XXXX ) 13. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 14. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 15. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 16. XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 17. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 18. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX (XX/XX/XXXX ) 19. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 20. XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 21. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 22. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 23. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX ( XX/XX/XXXX ) 24. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 25. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 26. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 27. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 28. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 29. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 30. XXXX XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) 31. XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX (XX/XX/XXXX, XX/XX/XXXX ) 32. XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( XX/XX/XXXX)
So, because of my untimely payments, I incurred several months of late payments with my Bank of America credit card and all my other credit cards. I contacted all of my credit card companies and I told them what occurred and the reason why I was late. All of the other banks agreed to take off all the late payments on the account, and subsequently, I paid the current payment due as part of the agreement. I contacted Bank of America and I asked if I could have the late payments waived. The agent asked what were the issues and the reason why I was late at the time, ( I was two months late ). I told them once again the reason due to me studying for the XXXX XXXX XXXX ; I had to reduce my work hours. The manager online listened and said that there is nothing that he could do. If I dont pay the late fees the credit card account will be charged off. Now, the late fees have increased now I am up to six months in late payments, when I first contacted Bank of America I had two months of late fees. They have charged off the card in their system and I can not use the card again. The Bank offered me a settlement and I told them on XXXX XXXX, 2017 - I was willing to pay {$700.00} as settlement while I was in the branch X/XX/2017 ... but the customer service agent was adamant about charging me {$1000.00} to settle the account. At this point I am done with Bank of America. They are continuing charging me fees and interest. I need to settle this account and get them off my credit report. My credit report is suffering in the interim. Please help me! Thank you,
Collectors Name : MEDICAL BUSINESS BUREA Account Info : XXXX Creditors Name : XXXX XXXX  Open Date : XX/XX/2014 Balance : {$520.00} Debt : {$520.00} Contact Info : XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
J.P Morgan  Chase Bank processes checks in a fraudulent matter that benefits Chase and hurts its own customers. Chase claims that you have until end of the business day to fund your account if you are overdrawn. However,  Chase  claims that checks are processed at  XXXX , when in reality they are not processed until next morning, but the date processed on the account shows as the day earlier, causing fees to be assessed to the customers ' accounts. They also, in a fraudulent matter, process checks from the highest amount to the lowest amount all at the same time, even when the checks are deposited by the receiver at different times. This scenario causes the maximum amount of fees to be assessed to the account. Checks are processed at the time of the lowest balance before any deposits are credited to the account. This is apparent when checks are processed at  XXXX , not allowing for any deposits that were made that day to credit the account, since they are made available the next business day.     For example, our business account has funds that come in and go out regularly. Deposits are made by our credit card processor regularly, with it showing up in the account within  24  hours. However, it seems these deposits are held up by Chase when the account is at its lowest and checks are then processed. If the following checks were written, {$1800.00}, {$90.00}, {$85.00} & {$75.00}, with an account balance of {$3000.00}, there is enough to cover these checks when the checks were written. However, business goes on, the debit card is used and withdrawals come out, while deposits come in from our credit card processors. Let 's say {$2000.00} has been withdrawn but a deposit coming in of {$2500.00} has been issued. So, before the deposit is made, there is an account balance of {$1000.00} on Monday, not enough to cover checks that have been written a week to a few weeks ago. Then at  XXXX  the next da y ( Tuesday ), t he {$2500.00} deposit was never credited yet but the checks of {$1800.00}, {$90.00}, {$85.00} and {$75.00} are cashed all at once. The date then shows on the account as Monday for the processing, even though it was done on Tuesday. The {$1800.00} check is cashed first, causing the account to drop at - {$800.00}, causing a {$34.00} fee, then going forward {$90.00}, {$85.00} and {$75.00} are cashed, causing  3  more {$34.00} fees. Then late that day the deposit of {$2500.00} shows up bringing the account back to positive. However, Chase Bank already maximized its fees. If the {$75.00}, {$85.00} and {$95.00} checks were cashed FIRST, the account would have a balance of {$750.00}, then when the {$1800.00} check is cashed overdrawing the account, only one fee would be assessed. This is a very fraudulent process and it has happened to me a few times in the past.
I sent in 3 dispute about items on my credit. I for a copy of the original contract for about 90 days. They will send me copy or proof with my signature on it.

XXXX  I sent dispute on XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX  and {$520.00} XXXX XXXX XXXX XXXX XXXX I sent dispute on XX/XX/XXXX andXX/XX/XXXXand XX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX and $ XXXXXXXX XXXX  Experian I sent dispute onXX/XX/XXXX andXX/XX/XXXX andXX/XX/XXXX the amount is {$800.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX .
Company continues to report negatively and incorrectly on my credit report after debt has been paid. 

Continual harassment during collection process. Calling family members, and my employer.
I sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX , VA. I sold it in  XXXX ,  XXXX , in  XXXX , TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX  Loan acct taken off my records.
Medical bills are being reported incorrectly on my credit reports. The two accounts are not mine and must be removed.
XXXX XXXX closed my XXXX credit card without notice and without cause. I have been making my payments on time for the last 6 months and currently have a balance. There should be no reason why my card was closed.
I disputed this with all the of the major credit companies, and XXXX was the only company that actually did anything. The rest just said the info was updated, thats it. They didnt Provide proof of them doing any investigation. 

Lately I have been disputing with trans union, and XXXX and Im only getting a reply that the information was updated.