WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion is reporting information supposedly reported by the XXXX XXXX XXXX however, the XXXX contradicts what TRANSUNION assure ( see letter from the court ) Transunion has acted with negligence. Please see attached documents.
Our Landlord, XXXX XXXX, wrote a letter in XXXX 2015 and told me and my fiance that we owed them an amount of money that was incorrect. We had no security deposit. Our lawyer wrote to XXXX XXXX and the person XXXX XXXX, our lawyer spoke to at XXXX XXXX agreed the amount owed was incorrect. She agreed to send another letter with the correct amount owed by us to our lawyer. She never heard from XXXX Properties again, and nor did we. In XX/XX/XXXX we received a letter from a collections agency. We did not immediately respond to the collections agency because we had already had a run around with the landlord. My fiance did tell the collections agency that we were represented by an attorney. The collections agency reported this alleged debt to the credit agencies before we ever were able to agree or disagree about the corrected amount owed with our landlord. Our attorney wrote to both the collections agency and the landlord regarding the laws that they had violated and neither has responded to our attorney at this time.
Portfolio Recovery Recovery Associates - NOT MY ACCOUNT I disputed with XXXX and they never removed it.
I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it.
Persons in charge, I am filing a complaint against credit bureaus about inquiries on my credit reports that were not authorized by me. A few years back my credit had been compromised because my identity was stolen. I have made several attempts to get this rectified with the credit bureaus and have not been able to get satisfactory results since these inquiries were unauthorized. 
XXXX is reporting a total of 13 inquiries. Four of which I am responsible for are listed below as : *XXXX  XXXX XXXX, XX/XX/2018 XXXX XXXX XXXX XXXX , XX/XX/2018 XXXX XXXX, XX/XX/2018 *XXXX XXXX/XXXX  XX/XX/2018 I have contacted XXXX to resolve this issue and even with a fraud alert placed on my report my credit is still being pulled without proper authorization. 

My Transunion report shows 19 inquiries. 
3 of the 19 were authorized. 
XXXX XXXX, XX/XX/2018 XXXX XXXX , XX/XX/2018 *XXXX   XXXX, XX/XX/2018 The only inquiries authorized on my XXXX  is XXXX XXXX XX/XX/2018.
This card was charged off years ago and sent to collections. Before the card was charged off I pleaded with the company to lower my interest rates for a few months so that I could make minimum payments and they refused to help me in any way. I had suffered severe medical injuries and was in financial distress. After not being able to make payments for a short while I started to receive calls upwards of 5-6 times a day! They would call from different numbers and start calling at XXXX and not stop calling until XXXX! I advised them to stop but they would not. They continue to call me to this day! This card also went through a company change while I had it which resulted in problems in communication as well.
My wife and I will be submitting for the third time this year for the same problem our mortgage company has a website, that states, you 're payments will be recognized on the date submitted, and for the third time this year we have received a default notices,
XXXX XXXX I complained to the OCC & Dept of VA about the miscalculation of the escrow account that Wells Fargo Bank preformed. I continued this complaint and was told by XXXX XXXX of the OCC customer service dept in XXXX XXXX, that the information I had given was going help a lot of people. Unbeknownst to myself that Wells Fargo Bank entered into a secret agreement with the OCC for miscalculating the escrow accounts of all the HAMP, FHA HAMP & VA HAMP request. 

Wells did not did not correct the problem and as with my property that did not have a Wells Fargo Bank mortgage, was made to look as if it did with a forged Assignment of Deed of Trust created by XXXX XXXX XXXX head of Foreclosures attorney XXXX XXXX that moonlights as a Assistance Secretary for XXXX. 

Wells Fargo Bank admitted to not owning my loan, and the fact is Wells Fargo does not own any of the XXXX XXXX XXXX XXXX Bank ( XXXX ) that it was servicing. I complaint to the Dept of VA and HUD started a investigation on XXXX XXXX, XXXX were Wells was still acting as if they were the lender of the loan, as XXXX died on XXXX XXXX, XXXX without having a claim to the XXXX XXXX loans and this is part of XXXX 's % XXXX XXXX loss. 

The OCC just did not come to the understanding that Wells Fargo Bank was miscalculating the escrow accounts and as a former Wells Fargo Bank prime/government mortgage loan officer I knew how these calculations worked and knew that the insurance and taxes changed as the housing market collapsed.
On XXXX XXXX, 2016 I enlisted the help of XXXX XXXX XXXX to help me get out of debt. I have a loan with BB & T that was at the time {$2300.00}. The proposal was that BB & T drop my interest rate to 5 % and my payments to be {$50.00} a month. Since XX/XX/XXXX, BB & T has taken my payments claimed numerous times that they have never gotten the proposal. I 've also been charged late fees and finance charges even though they 've been paid in full and on time. I 've been trying for months now to get BB & T to work with me, but all they will tell my third party company is that they are n't receiving any notification from either party which is absurd. According to my third party company, my loan amount should reflect {$2200.00}. It does not. With all the charges the loan is {$2200.00}. I rather BB & T reject my offer than play dumb and claim no one has heard anything about the issue. Since XX/XX/XXXX I 've been charge a {$10.00} late fee 3 times and a finance charge of {$32.00}, {$37.00}, {$32.00}, {$34.00}, and {$36.00}. How can they expect me to pay off my loan if I keep being wrongfully charged and ignored? I 'm paying them and yet they want to send me to collections, wo n't stop calling me daily to the point I 've had to block the number. Meanwhile my credit score is plummeting.
I submitted a request for a loan modification program with onemain on XXXX-17 the request was denied about a week later because no reduction of income but as I explained to onemain I am on social security and can not make enough money to support myself because of state laws. 
I need a reduced interest rate to help make the interest and loan be more affordable. I am currently paying 35.91 %. interest on loan. I have a goal to pay off the loan by XXXX XXXX, 2017 but can not achieve that if I have to continue to pay the 35.91 % rate.
XX/XX/XXXX, insurance claim checks were received by a company reprentative at Rushmore Loan Management Services.

Initially Rushmore claimed checks were not received. 
A week later, the checks were found. I was informed that checks would be endorse and mailed to me the week of XXXX later in the week of XX/XX/XXXX. 

Today XX/XX/XXXX, the checks have to my knowledge now been signed and mailed back so I can pay contractors for their work.
Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information 7 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied the acount number is XXXX XXXX XXXX XXXX opened 3 of them are shown on my credit report. .. 
There is also a hard Inquirie that should be removed from XXXX made on XX/XX/XXXX that I have no knowledge of and I did n't get any line of credit and I want it removed for that reason XXXX XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...
I paid my US Bank Line of credit off XX/XX/2016 and the lien was never re-conveyed from my property. I am trying to refinance my home and this US Bank lien is causing a " BIG '' issue and delaying the closing.
Had a XXXX lien on my XXXX home XX/XX/XXXX, been removed mo. ago, In XX/XX/XXXX Chase started taking monies I guess from my escrow acct totaling to date $ XXXX litagation fees. XX/XX/XXXX was told after {$540.00} taken NO more would be taken. Local bank again on XX/XX/XXXX made a call was told they would get back in 3 days, Nothing yet as of XX/XX/XXXX. Never received any notification, what charges would be, where they were getting , what happened w/case, my mort went up {$100.00} a mo, so they could take more $ from me w/no explanation. Plus do n't they already have lawyers on staff..
I was told by my discover card that upon their investigation that it was not fraud on my account, but the only thing that they base their facts upon is the facts that favor them. When i submit my facts to the company via fax, mail, email, by phone the company does not take them into consideration, they reply with things that favor them, as if they don't even look at my documents.

I was told that upon their investigation that the physical card was used 4 times near my residence on XX/XX/2016 but i am saying that i never used it and it was physically impossible for me to use it because i was in a different state at that time. If someone used my credit card, I do not know who it was, and its up to police and Discover Card to find out but to blame the charges on me is completely wrong.

I am sending proof of a airline company ticket that, not only the fact of me purchasing it, but the one that states that i actually boarded the plane and flew to another state, its an official proof that has confirmation numbers from XXXX. So if I was in one state and purchases with my credit card were made in a different state- thats fraud, that i as a customer is not responsible for.

I am also sending proof of an official receipt from a Limousine company that i was picked up from a hotel and dropped off at a studio for work in XXXX, WI.
The XXXX . located in XXXX, CA. The Manager or Leasing Specialist of XXXX . was notified that during the time when the apt . unit was flooded with water from the HVAC system of the building I had to look for a place to reside for about a month. I did not occupied the apt . unit because their HVAC system is not operational in my apt . unit. After the repair and clean up period, my apt . unit was not in livable condition the apt . unit had a bad odor due to the water that sipped into the carpet and the odor can cause illness and disease. I have informed the XXXX . manager about this and she agreed that I will move out of the apt . and I will not be able to get my deposit money back because she will apply it as payment for the month that they were fixing and cleaning the apt . unit. I had a rental insurance provided by the XXXX . Leasing Specialist before moving in.I did not file for the rental insurance claim although I have electronic equipments that were damaged during the water leakage from the HVAC system in the apt . unit. 
Please provide the receipt of the deposit I made to the XXXX . and the maintenance report of the HVAC system of the apt . unit I was occupying at that time. 
I do not have any contract signed with the collections agency and the XXXX . manager should provide and disclose the cost of the repair of the HVAC system of my apt . unit and indicate if this was filed as a deductable in thier accounting books for their company 's tax purposes. Furthermore, the deposit money i made seems non-existent.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX Transunion Consumer Relations XXXX XXXX XXXX XXXX, XXXX XXXX File # XXXX SSN # XXXX RE : Reappearing Removed item XXXX XXXX Account # XXXX Past due 30 days XX/XX/XXXX has been removed since XX/XX/XXXX ( Credit Report attached ) and XX/XX/XXXX again reappearing as a adverse account. ( Credit Report attached ) Please be good enough to removed that item as soon as possible Thanks XXXX XXXX XXXX
XXXX XXXX issued me a XXXX $ credit limit. 

once i got the card and attempted to use it for a purchase they closed my account without reason. 

they will not reopen the account. 

they told me the only thing to be done was to reapply which caused me another hard inquiry. 

i have contacted XXXX XXXX multiple times to get this closed account off my credit report and they have been unhelpful to do so. 

when asking why the account was made closed they told me that they could not disclose the reason to me. 

it doesn't make sense because i was approved for a secondary line of credit with the same bank after being told that the only option for me was to reapply.
My wallet was stolen in late XXXX -XX/XX/2014 and a collection bill for XXXX , an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
There is a hard inquiry on my credit report from XXXX, which I never authorized. Something recently showed up on my credit report which I am not aware off. I heard from others that they are having the same issue regarding the XXXX hard inquiry on their report.
On XXXX/XXXX/16 XXXX payments ( Mortgage {$640.00} & Escrow Shortage {$190.00} ) was made at my local branch. I was told that the computer would not accept the XXXX payments because it has my mortgage payment at {$650.00} therefore the mortgage payment of {$640.00} was transferred into my savings account & the mortgage payment for the month of XXXX was paid by taken the difference that was needed ( {$16.00} XXXX & applying it to the mortgage ; I was also told that the payment for the escrow shortage in the amount of {$190.00} will be credited to my account. 
On XXXX/XXXX/16 I notified customer services via telephone that the payment for my escrow shortage in the amount of {$190.00} was placed in a suspense account instead of applying it to the mortgage. Customer service informed me that the escrow payment in the amount of {$190.00} would be applied to my account within 24 hours. On XXXX/XXXX/16 I observed through online banking only {$180.00} was actually applied to the escrow shortage leaving {$18.00} still in the suspense account & I also noticed that my mortgage is still set at the old amount of {$650.00} ( pre escrow shortage amount ) instead of the new amount of {$640.00} after paying the escrow shortage off.
The lender initiated foreclosure within the early intervention period in violation of Regulation X,  12   C.F.R. 1024.41 ( f ). The lender failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) The lender has also not responded to our QWR - Qualified Written reque st sent on  XXXX / XXXX /  2017
A company named 'XXXX XXXX ' with address XXXX XXXX XXXX XXXX, XXXX , NY XXXX with a telephone number ( XXXX ) XXXX runned a full credit enquire on my persona without my consent, and at the time to be closing escrow for a house purchase, this issue caused a significant delay in closing escrow, and delaying all arrangement to move to my new home, therefore this enquiring was a significant risk accordingly to the loan officer, to lowering the credit score and  perhaps ruin the deal. 
XXXX XXXX XXXX visit my businees to offer a merchant services, and he requested 3 bank statements which I never gave them, and after investigating with Experian I learned that XXXX XXXX XXXX, president of XXXX XXXX XXXX uses XXXX XXXX to process the credit card processing. 
After talking to the Fraud Department of Experian, I was told that 'Hard Credit Enquiring ' needs to be pre authorized, and in this case is a Violation and perhaps Fraud since I was not informed neither I new this company, and could have ruined my effort to get a house.
Experian is currently falsely reporting a debt that was improperly reported and not correct or current. Today is XX/XX/2018 - this report was as of XX/XX/2018
I contacted XXXX XXXX/XXXX XXXX XXXX  to have the cosignor released from my loan. They said after 36 consecutive payments that I could do this. I filled out the form and sent it back. I received an email stating it was denied due to I didn't make 36 consecutive payments. I emailed them Back and they said they made a mistake. Then they told me I had to resubmit a release form again as I forgot to check off that I am a us citizen which I told them I was. I thought that being denied for only that reason and they were wrong that they can't deny me for any other reason. I feel like they are just giving me the run around. Please let me know if they are wrong in making me reapply for the cosignor release?

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX XXXX
XXXX, XXXX, 3rd party engineering company do not have the right to pull my credit credco, XXXX many more XXXX  still calling me I do not have anything with them please check the mail box police report I sent
Was instructed to send in my personal info, income, Social Security numbers, eat. To the Capital One XXXX Office attention Imaging center. They have lost my documents. Told me they would have not told me to send in via mail, they did. All conversation are recorded as will show I followed instructions. My personal info is out there somewhere.
There is a mortgage and other credit information that is not mine on my credit report. There is a woman that has been using my credit fraudulently for over 17 years. She has several collections that show on my credit report. I would like them removed. She has a couple different names showing.
I was a victim of id theft regarding a purchase/lease of furniture thru " XXXX XXXX XXXX XXXX? '' ( XXXX XXXX XXXX ) in XX/XX/XXXX (? ) in XXXX, Ca. for {$2000.00}. Was completely unaware of transaction. Someone was able to access my credit files and got approved online or in store by instant credit? In XX/XX/XXXX I received a letter from debt collector Halsted Financial ( XXXX, Il ) to settle for {$1000.00}. I responded within 30 days disputing debt and requesting all documentation of said purchase, as allowed by law and FTC rules ( purchase receipt, delivery info, phone #, etc. ) Sent proof of id, letter and cc of FTC rules to Halsted ( XXXX XXXX ) in XX/XX/XXXX 

NEVER HEARD BACK. For over a year, Halsted personnel/ telecallers have called/texted repeatedly to attempt to collect on the above id theft debt using abrasive, threatening, and deceitful phone calls and messages. Will not reveal their name. Impersonates or implies connections to law enforcement, the DA, or a law firm. HAS CALLED relatives ( huge violation of Fair Debt Collection Practices Act.. ) Yells my social security number and date of birth over the phone and says " we have a team looking for you! '' I am XXXX years old, a XXXX and XXXX XXXX. This doesn't work on ME -- but what about a vulnerable senior? Also -- YELLS instructions to call out of state phone numbers to provide credit card info. I have saved voice mails of all above. 

Goon-like, BELLIGERENT and illegal debt collection activities. Have resent them ( to XXXX offices on XX/XX/XXXX ) cc of all docs from XX/XX/XXXX ( id theft report, etc. ) and will contact state, city, and federal authorities in Illinois, including the XXXX County DA,  The XXXX County dept. of Senior Services, the city attorney, the Illinois state Dept of Aging, and the state AG.
SunTrust c hecking account. They keep charging us overdraft fees and the overdraft fees is what makes our account go in the negative. They should not be able to do this, It is not right especially when the overdraft fee causes the account to go in the negative!!
I have Professional Debt Mediation reporting to the credit bureaus That I owe a debt from a rental property company ( XXXX XXXX XXXX ) I have never heard of or lived at. I tried disputing the account with all three credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.
At the time specified on Penn Credit Corp for collection of debt is inaccurate. I was not residing at this address at the time specified on the letter dated XX/XX/<YYYY> XXXX years later after the home is sold I receive a notification that it is outstanding and have only XXXX days to respond. I have since paid the balance to clear the issue but my credit score has fallen from near perfect to very poor/low. The entire process + notification is unreasonable, unfair and a wrongful practice which is unfair to consumers.
Attempting to get PMI removed from a PennyMac USA loan. At first I attempted to get PMI removed when the loan first reached 80 %. They ( in their right ) told me I needed to get an appraiser to confirm the property had not lost value. I think just a XXXX or XXXX search of the area should have been good enough but they requested an appraiser. I was used to good lenders which automatically terminated on request at 80 % since they new of market values. So now my loan has currently reached 77.9 % LTV and I requested termination but they are telling me I still need and appraisal. They are also telling me that I need to wait until 75 % LTV. I have asked them where that is listed as I do n't see it anywhere in the Homeowners Protection act or on the Consumer Financial Protection website. If contacted I can attach a word document that lists the E-mail exchange between PennyMac and myself in XXXX short pages so there will be no misrepresentation on what was said. Thanks, XXXX XXXX
I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXXXXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
We paid our mortgage loan ( # XXXX ) in full on XX/XX/2015 to Ocwen ( lender was XXXX XXXX XXXX ). After months of telephone calls, Ocwen has not released the lien on the records of XXXX County Va. I 've dealt with their Office of Consumer Ombudsman, a misnomer to say the least. I even collected a {$500.00} civil penalty under Va. law for their failure to deliver a release to the county clerk within 90 days of payoff, but can not get them to file the satisfaction/release after six months of the XX/XX/XXXX payoff.. I 'm aware of the XXXX dollar settlement with Ocwen & wonder how many complaints there have been like mine. Thanks-XXXX XXXX, XXXX