WillisBack/dataset-financial-user-claim huggingface dataset:
When reviewing my credit report I discovered that TransUnion illegally re-inserted the XXXX XXXX XXXX XXXX XXXX as a new collection account to my credit file in the amount of {$1000.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/XXXX I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a  consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA. 

This account was deleted off of my credit report years ago. And now it has been resold to another organization. This account needs to be removed off of my credit report. I sent a certified letter return receipt, I never received any response from the Credit Bureau. I have copies of my report TransUnion dated back from XX/XX/XXXX, and as you can see on the report it was not listed. Also, on another credit report dated on XX/XX/XXXX the XXXX XXXX XXXX XXXX does not appear on my credit report. And on another credit report dated on XX/XX/XXXX you will not see the XXXX XXXX XXXX XXXX on my credit report. I have screenshots and photocopies every report list above.
FOR SEVERAL YEARS I HAVE BEEN A VICTIM OF ID THEFT. REPORTED TO FTC, LOCAL AUTHORITIES, & CREDIT BUREAUS ACCOUNTS WERE REMOVED ONCE & DEBTOR HAS REPORTED DEBT AGAIN BUT LISTED UNDER ANOTHER NAME. THEY EVEN HAS IT LISTED AS A DEBT AND ALSO REFERRED TO AND LISTED UNDER COLLECTIONS ON CREDIT REPORT. I HAVE NO KNOWLEDGE OF THIS DEBT AT ALL. THIS DEBTOR HAS SOMEHOW FOUND MY PHONE NUMBER AND CONTACT ME ON SEVERAL OCCASIONS, I PROVIDED POLICE REPORT & NOTIFIED THEM THAT A FREEZE HAS BEEN PLACED ON MY REPORT DUE TO ITEM BEING UNKNOWN. THEY TOLD ME THAT THIS DEBT BELONGS TO ME BEING BILL WAS PAID SOMEWHAT BUT I HAVE NO INTEREST IN THE STORE WHATSOEVER AND ASKED THEM TO CONDUCT A FULL INVESTIGATION OVER AND OVER TO CONCLUDE THAT I AM NOT RESPONSIBLE FOR THIS DEBT. SO THE OUTCOME WAS TO REPORT IT AS A DEBT UNDER ANOTHER NAME AND ALSO TO COLLECTIONS SO I HAVE THIS LISTED TWICE AS A DEBT AND ALSO AS A COLLECTION ITEM. THE AMOUNT OF THE DEBT AS REPORTED IS {$1000.00}. THE REPORTS WAS FILED IN 2014 ON 3 DIFFERENT OCCASIONS.
on XX/XX/2017 I join XXXX  XXXX XXXX a XXXX XXXX XXXX XXXX . They sent XXXX store card a proposal to lower my payments and interest and remove all late payments. XXXX continue to report me 30days late every month. They accepted the proposal with the understanding they would receive my payments on the XX/XX/XXXX of each month. I'm trying to increase my credit score. XXXX continue to send negative information to the credit bureau. They continue to show me late. I have contacted them several time and nothing has changed.
Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed a fraudulent inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX XXXX XXXX XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
hi visited site kept saying profile exists and to login When i use password recovery none of my emails are on file Part of nationwide dragnet XXXX XXXX on keeping me down I'M supposed to be super rich XXXX or XXXX XXXX  REACHED CIA and DEPT OF JUSTICE about this also civil rights
XXXX XXXX XXXX debited my checking account on XX/XX/2018 for {$160.00}. It stated that this was done via telephone. I did not authorized this payment. I notified my bank and they are looking into this matter as well. I tried calling XXXX and they gave me the run around.
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX. XXXX XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX National Credit Card Cos. 
XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financin Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Went to a dealership to buy car finance manager wanted me to go with a messed up deal little did I know he kept running my credit score and basically XXXX my credit score so I wont be able to go anywhere else my score was at XXXX and dropped to XXXX. I am going to assume he had to run it over and over and over again for it to drop so low and I was n't aware of anything until I went to another dealership and they printed out my new credit score through equifax.
I filed for Loan Forgiveness in connection to the Debt Relief for XXXX XXXX Students and I am filing this compliant against Genesis Lending in connection to that filing and in connection to the CFPB Complaint Case No. XXXX. 

I attended XXXX XXXX in XXXX from XX/XX/XXXX to XX/XX/XXXX. During my tenure at the school, I was required to " apply '' for new loans each quarter semester and several times, the financial counselors informed me that I was not eligible, in full or in partial, for Federal Assistance and that I would be required to take out a Genesis Loan to cover the costs. In the CFPB Complaint Case, it is noted that XXXX, rather than reduce tuition to eliminate the shortfall " funding gap '', I was preyed upon to take out Genesis loans that XXXX XXXX had a financial interest in. 

In my application for Loan Forgiveness, a copy of which is being provided, I was not provided adequate career services or opportunities. The job that I obtained to complete my externship was unpaid and resulted me being hired as a XXXX XXXX, not a XXXX, for which the degree I obtained. The salary for this position was less than what I was earning at my prior office job before the economical crisis. The salary for this position was not sufficient to cover living costs and to pay my school loans. I was able to pay my Genesis Loan ( s ) in full post graduation but at times, I have not been able to pay my Federal Loans and have had to put my loans on forbearance. 

It is my position that XXXX XXXX deceived me and unfairly induced me, as student, to incur additional and significant debt in the thousands ( of dollars ), via obtaining loans from Genesis Lending, to graduate from a institute that could not prepare or provide me the adequate tools to obtain and secure a job that would support myself and my family, and to pay my student debt.
This account goes back to  XXXX   XXXX . I was mislead and misinformed by the above described company and its online representative about their loan product. It seems to me that this company prey on individuals who they know ahead of time that they are not able to pay these loans. After further investigation into their practice I found out that their interest rate is ridiculous and unimaginable and should be illegal in America after the  XXXX  financial reforms. I have asked the company to close this loan several times to stop it from incurring huge amount of interest.   I am urging your department to investigate this company and others online who are practicing these scams and putting struggling families in debt knowing they are not able to pay these loans.   in  XXXX  or  XXXX   XXXX  CashNetUSA offered me a settlement of paying 75 % of the loan in full and then another settlement of paying 50 % of the loan in full because they knew all along that their practice is shady and their interest rate is beyond imagination.   According to  XXXX   XXXX  the consumers in America have demanded all along the federal government to investigate these companies and shut them down.
This item has been disputed previously. The complaint was file, because the TRADELINE WAS INCOMPLETE. The response did not respond to the issue of the record being incomplete. 

" Equifax said : Explanation of closure Equifax has reviewed your complaint and its records regarding your dispute. The XXXX XXXX has verified name, address, birthdate, social security number and the DLA, closed date to be XX/XX/XXXX on the credit file. '' The XXXX XXXX Tradeline, lacks any Payment history - and in incomplete. The Pay History is Required, and does not exist on this record. 

A screen shot is attached. 

This account should show a " NR '' or a " PAY '' for the duration of time, in which it was opened based on the reporting guidelines that define a COMPLETE record. 

The record is INCOMPLETE, please Add the payment history accurately - or DELETE the Trade line.
Bank of America once again held onto a check purposely until my account had low/no funds, then put it through. It was for {$2.00}. They charged a {$35.00} fee AND refused to honor the check and pay the creditor, a pharmacy. Therefore I will incur another fee from the creditor. My income is fixed and only {$1200.00}. 

In addition, my direct deposit which was available the XXXX last month, was not made available this month. As of today at XXXX, it still isnt available. This is also done on purpose.
XXXX continues to report a collection account for CSC Logic/ XXXX XXXX for a voluntary repossession that occurred 7 years ago. CSC logic has failed to provide documentation regarding legal notices or of the reasonable sale of the vehicle despite sending requests certified mail. I have provided XXXX with copies of the letter requesting said documents, copy of the certified mail receipt and the XXXX report showing the sale of this vehicle and they refuse to correct the information. I tried calling the customer service line today and the operator would not let me speak to a supervisor.
I modified my mortgage with Ditech in XX/XX/XXXX. Ditech has misapplied my XXXX payment and credited it to XXXX. Ditech has missed the payment credited to it on XX/XX/XXXX and instead applied my XXXX payment to XXXX. This has had the effect of making me look late since XX/XX/XXXX.
This complaint is to be attached to earlier complaints about Wells Fargo Bank opening an account in my name and {$25000.00} stolen from the state of California through XXXX. Complaint # XXXX and # XXXX. I 'm again asking Wells Fargo bank 's Fraud Division to investigate itself and rein in your employee 's. On XXXX XXXX of 2015, my daughter received a fictitious call from a person posing as an FBI agent investigating My Name and Identity Theft. The person wanted to know my address in XXXX XXXX. She has a Wells Fargo bank account. To use your position to gather information from the private record of another person has to be against the law. I immediately contacted the FBI. There response was " We would never make such a phone call to investigate someone. Notify the FTC. '' I did. The call was from XXXX XXXX. Check your phone directory for that number. I have asked the OAG to follow-up in this matter. I have followed up to the State of California Fraud Division hot line. My family 's safety is of most importance. The XXXX XXXX attorney 's office has informed me that they will testify in court in my behalf that it was your bank that laundered the {$25000.00}. The detective will testify, too. If you do n't pass this on to your Fraud division I personally will proceed against you and your incompetence. A person in your organization is in collusion with the fraud why call my family?
I was the primary person on a loan with CitiMortgage. I moved away from the property in 2008, gave the property to the co-borrower. Co-borrow submitted loan modification paperwork back to CitiMortgage WITHOUT my signature and CitiMortgage locked me into a new 40 year loan and will not take my name off this loan. They claim it 's legal. My name is off the Quick Claim deed of the property.
When I make purchases through my account I have the necessary funds. CHASE takes the payments in a way where I get charged overdraft fees even when XXXX of my purchases occured before I took the one that brung me into overdraft. Completely unfair and I have paid over thousands of dollars in over draft fees over the past year. It 's like they try their hardest to kicj you when you 're down.
I signed a check to XXXX when married to my ex that was military.. When we separated he changed bank accounts which we caused the check to bounce and I am being held responsible. They told me because it was federal that there was a lean against my as number and that they could take the money at any time.. I tried to set up payments and at first there would only accept XXXX dollars a month.. I only get XXXX a month ssi so that was hard for me I tried to get them to lower it to XXXX or XXXX but they said they could n't accept less then XXXX which barely covered finance charges.. I did n't think they could charge this on a check. So I do n't know what to do.
I am unemployed and have issues making my student loan payments and I was never even offered an income driven repayment option. They always told me forbearance was the best thing and that 's what they 're me up on. Now my increase of my student loans are through the roof. I have a husband,XXXX children, XXXX step children. I do not have the funds to pay them unnecessary fees especially when I was n't even offered a better option. They have used forbearance for me so many times. I do. It work right now it is hard. I do n't want to keep getting forbearance and accruing interest just because I can not pay right now.Please help
I submitted dispute through credit bureaus and they advised the debt was not mine. Then I contacted company via telephone and advised them that the debt was not mine and they advised me to file a police report, verified my address and updated it in there files. Not sure how to file a report on something dated XX/XX/XXXX,XX/XX/XXXX. Then I sent two validation letters to the company requesting validation of debt, one XX/XX/XXXX, one XX/XX/XXXX and I received account summary report which is not validation/proof that I obtained the debt.
I have disputed the late payments on XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX account with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. 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. CFPB please step up and fix this ASAP
Hello, I have tried to resolve this issue with CREDIT BUREAU SERVICES in regards to an apartment that was obtained due to identity theft. I have disputed this account directly with this company. I have sent them my identity theft affidavit and police report but they continue to report and the last two dispute letters I sent them, they have failed to respond. The first letter certified letter was sent to them in XX/XX/2018 with a tracking number of ( XXXX ) and after they didn't respond so I sent them a follow up letter in XX/XX/2018 with the tracking number of ( XXXX ). They sent me a screen shot of a contract that had a signature but I never signed that. I has been well over 30 days and i just want monetary damages and the account to be deleted immediately. Being that the disputed was not responded to well over 30 days I would like this account to be deleted from all XXXX CRA 's.
On XX/XX/XXXX, I spoke to a member of the Wells Fargo XXXX XXXX XXXX team about deferment options and the possibility of adjusting my due date so that I do not continuously incur late fees. This conversation was a pro-active effort to explore my options before I had to move. I was told verbally that neither deferment on my loans due to a financial hardship ( I was moving at the time ) nor adjustments to my due date were an option. 

I have continuously called and made partial payments during this time : XXXX {$310.00} XXXX {$560.00} XXXX {$150.00} XXXX {$560.00} XXXX {$660.00} XXXX {$400.00} XXXX {$400.00} I now owe {$550.00} in late fees even though I communicated that the due date was after my pay day. I have a balance of {$2000.00} for my student loan payment and I have not received written notification that deferment and/or a revised repayment plan is not an option. I communicated to the Wells Fargo XXXX XXXX XXXX team I was still trying to make a good-faith effort to make payments and wanted to see if what my options were. I was not informed of any additional options and the snowball effect of late fees and a two-month hardship caused me to fall behind. 

Lastly, I was assigned a researcher named XXXX XXXX on XX/XX/XXXX ( it has been over XXXX business days ) and have not been contacted by him to follow up with my inquiries.
I called TransUnion at XXXX to put a fraud alert on my social security number after it was released by my employer to the wrong employee. TransUnion had me provide all information into the phone and than provided me with the address of XXXX. The recording told me to send my personal information, social security card, and another form of identification, such as my drivers license. However no other information was provided, therefore I have no idea what I am supposed to send requesting to place a fraud alert on my account, no form or anything. The recording only said send my social security card to this address. I am in a great amount of frustration over the whole process and just want to place a fraud alert on my account to XXXX and TransUnion. How can I get this done?
Me and the consumer fin.protection bureau have 6 pages of receipts from XXXX XXXX of XXXX XXXX   showing where I stayed from XX/XX/XXXX and XX/XX/XXXX and you are saying in my credit report by XXXX/XXXX that I was staying at your house from XX/XX/XXXX to XX/XX/XXXX.that 's your charge of XXXX.The dept of consumer service commissioner got the information on paper you would not answer me or the commissioner.if you want to keep reporting to XXXX/XXXX credit report you going to have to tell me and the c.f.p.b. what do I owe you for? and if you can not you or going to get off my XXXX and XXXX credit report, the c.f.p.b. has my permission to open my credit.
I arrived at BBVA Compass Bank on or around XXXX XXXX to apply for a home loan. I was greeted by XXXX XXXX. She asked me my financial situation. I told her. I also let her know that I do have rental houses in an XXXX, and they are not in my name. I was then asked to wait a few days so they can determine if I will qualify for the loan program. 

On XXXX XXXX I received an email from XXXX XXXX stating the following : -- -- -- -- -- Forwarded message -- -- -- -- -- From : " XXXX : XXXX XXXX, 2017 XXXX Subject : Question To : " XXXX ; Cc : XXXX just said as long as you do not reside in your rental ( s ) then you are completely eligible for the no PMI program we discussed. 

Sincerely, BBVA Compass XXXX Mortgage Lending - Mortgage Banking Officer Mobile : XXXX Fax : XXXX, AL XXXX I let her know that I do not reside in my rentals. She told me everything was good to go. I received a phone call about a week later stating the underwriters want to know why I am buying a {$90000.00} home and not a {$200000.00} home. She then requested for me to send her in writing why I am buying a {$90000.00} home. I wrote the letter and faxed it over to her. 
She called me a few days later and stated that the underwriters do n't believe that I am going to be using the home at XXXX as my primary residence and they denied me the loan. When I requested that information in writing for the basis of their decision, they sent me the explanation that is attached which is for review. 
The reasons they denied me have no ground, bc the State Tax Lien was put on my credit in error and I have letter from the director of the State of Alabama stating that, so they released the lien, but it still shows on my credit. The other reasons are completed inaccurate b/c I lived in my previous home for 9 years, owned multiple cars and trucks, and have loans in my name. They also stated that my account balance does n't exceed my credits, which is completely false again. My credit balances are around {$15000.00} give or take and my account balance is over {$23000.00}. 
After going back and forth with them over the past two days and trying to reach out to certain people over the phone, I sent an email to XXXX. I have also attached for your review showing the response and why I am being denied, which is based on their " guidelines '', which I have not received anything in writing that they are claiming is in the " guildelines ''. I have waited over 2 weeks for this loan to go through. Since then, the rates have gone up and I am being denied for a loan that I clearly qualify for.