WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA 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 XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, XXXX, FL XXXX
Dear EQUIFAX : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : ( 1. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 3. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 4. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 6. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 7. ) XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( 8. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 9. ) XXXX XXXX XXXX XXXX   XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
In 2015 I was on XXXX XXXX I received a pre approval letter in the mail for an instalment loan. I applied online and was contacted shortly by a rep. I clearly told him I was on XXXX and I was n't sure about getting the loan and he kept telling me to tell the loan processor I am working and not " on XXXX '' or else I wo n't get the loan. So I was forced to put my income like if I was working. I finally got the loan and I felt uneasy about being pressured to get the loan so I wanted to return it back. The company said I had to wait until the 1st payment was due. So me being in a financial distress I used the money to pay other bills. I ultimately lost my job and was unable to pay them after I went back to work from XXXX XXXX. The company kept calling my job despite me telling them I could get fired. They also threatened to garnish my wages if I did n't pay. I am currently unemployed and I heard recently they served my previous employer at her house!!! To have my wages garnished. I do n't work and I am very upset and embarrassed that they went directly to my old bosses house instead of calling me or coming to my home. This is causing alot of stress on me because I honestly never wanted this high interest loan to begin with. Their rep was very much pressuring me to get it even told me to lie about my income.
The financial institution that pulled my credit information in error has disputed the issue and asked that it be removed from my credit report. However, that does not excuse the fact that a mistake was made with in that bank which has caused me anxiety, inconvenience, frustration, and the decrease of my credit score due to the " hard inquiry '' being submitted ( with out my authorization ). I spoke to an attorney today and filed a police report.
I have sent Apex Asset Management two requests regarding debt that they are saying I owe to them in the amount of {$140.00}. I've asked for evidence, bearing my signatures showing that I owe Apex Asset Management this debt. I have no binding contractual obligation to pay Apex Asset Management any debt at all. I am trying to get this cleared up and OFF my credit report before filing a small claims court action against them.
I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus XXXX has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate
I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me
XXXX XXXX XXXX erased an incorrect debt amount from my credit report on 2017. I thought that the problem has been solved by that time, but today I discover that after that, they sold the loan to the XXXX XXXX XXXX XXXX and then that institution transfer the deleted account to the XXXX XXXX XXXX XXXX. For that situation I have been denied from receiving federal aid in order to start my XXXX degree. Why after 11 years and a deleting process of wrong information they are trying to charge me under the name of a new collection agency. Its sound that something fraudulent. The new agency said that the debt is in my credit report but its not. I called XXXX and check online XXXX and XXXX and I dont have nothing on my credit report. Why they are doing this?
I called a company Elite Financial Services Inc. to consolidate my credit cards they send me a paper to sign, they amount they charging me is crazy. they are taking advantage of innocent people like me who are desparate going through financial problems, i hope they do n't do to other people
I never requested nor approved an extended fraud alert to be on my reports and all 3 have it. 
I want it removed Ive requested over 3 times for the bureaus to remove and they have not.
I have been paying on a parent loan that I took out for my daughter I had them set me up for a monthly payment of {$82.00} because that is currently all I can pay right now and I got an email this month where my payment balloon to {$240.00} and I called customer service to see if there is any way I can try to keep my payment at the {$82.00} so I can continue to make my payment even if it takes longer but I know I can pay that per month. The over seas representative that I spoke to was not only extremely rude but he told me since it's a graduate repayment loan I have no more options of them lowering the payment for me but I can apply for a deferment. I don't understand why they would want me to defer the loan instead of work with me so I can pay off the loan. I ask to speak to a supervisor who is also an overseas supervisor and she told me the same thing. It bothers me that this company navient who has been on the new before for unscrupulous business process is trying to keep people from paying their loan off with a reasonable payment per your income status instead they are forcing you to either have to file for deferment or let the loan get delinquent before they can help you. I am desperate to find help because all I want is to set up a reasonable payment amount per month so I can continue to make my loan payment but was refuse with options that I don't want to have to use.
I asked TransUnion to provide proof that I applied for credit due to numerous credit inquiries on my credit report ( have had prior freezes and alerts due to fraud ) and they told me that they can not remove them and that they all have permissable purpose. When I asked which permissable purpose that was, I just receive a regurgitated letter telling me the companies could pull at will, basically and I could do nothing about it - not so according to 15 U.S.C. 1681b. TransUnion told me they were closing my dispute and I could no longer dispute it.
I initiated a funds transfer of {$1000.00} from my current account at XXXX Bank in XXXX to my checking account in the U.S. at Wells Fargo Bank. When the money did not show up in my account within the 10 days, I revisited the transfer information, and found that the first XXXX numbers of my WF account number were missing. I contacted XXXX and they initiated a trace on the funds, suggesting I lias with WF. I immediately visited my personal banker at WF and she did a computer search for the funds with no success, as well as escalating the search to the XXXX team, which found no trace off the funds. I received an email from XXXX stating they received a reply from WF that the funds had not been applied because name and account number did not match. I immediately within XXXX hour of receiving this notice sent XXXX the correct and full account number and name and received immediate reply from XXXX that they were sending WF the amended information. After waiting again with no deposit to my WF account, I again visited the personal banker and was told that they could not find the funds. They instructed me to again request the XXXX to recall the funds. When XXXX eventually received a reply from WF that " Beneficiary has denied debit authorization ''. XXXX assumed that the funds were applied to my WF account. That was not the case. After repeated trips to see my WF personal banker, the personal banker was able to find that the funds were in someone else 's account. I asked how could that be if the name and number for that account did not agree. The personal banker instructed me that I would have to request XXXX recall the funds once more, then, if the person who did receive the funds did not release them, the personal banker herself ( and her supervisor ) would contact the person and try to retrieve the funds. I contacted XXXX once more, they again received the reply that " beneficiary has denied debit authorization ''. I returned to my personal banker only to be told that WF could not go into the account and retrieve my funds. Her supervisor told me that i would need to seek legal representation if I wanted to pursue this matter further. I questioned her why the funds were put into an account where the beneficiary name and account number did not match. She did not give me an explanation as to why this was done, nor did she admit that it was an error on the part of WF.
To Whom it May Concern : After viewing a copy of my credit report I noticed a collection account placed on my credit report from you in 2017 account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical  charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.
I have a credit card that I use to collect reward points to put toward cruises. In XX/XX/2016 I cashed in XXXX points toward my prepaid gratuities on an upcoming cruise. The cruise line never received the funds for the gratuities. I have been trying to get this fixed since last XXXX. I have been told something different by every person I have spoken to. Twice I have been " escalated '' to management but no one from management will speak to me. Today I got an email from my cruise line that there was {$140.00} extra to pay on my cruise. When I questioned why I was told it was because this same credit card company has denied the points I have previously cashed in and demanded a refund from the cruise line. I received no communication from the credit card company about this. When I called my credit card company again I was escalated to management but have received no return call. I am now going to have to pay {$190.00} for gratuities that I should not have to plus another {$140.00} that I have already paid because of the credit card company. I have a case number of XXXX for my requests for the points to be returned.
I have a mortgage loan with Bank of America with an escrow account balance in excess of {$7000.00}. Since XX/XX/XXXX, both myself and my insurance agent have been requesting that BofA release funds to pay a {$4600.00} insurance invoice from our escrow account. To-date, despite at least six attempts from me directly, as well as many from my insurance agent, BofA has refused disbursement and I have since lapsed in my insurance policy. I have received excuses first stating that the disbursement was refused because BofA perceived the request as a duplicate policy, as the insurance company sends XXXX separate invoices for payment ; aside from the policy number, there is no duplicative information associated with our request as one part of the request is roughly {$1100.00} and the other request is {$4600.00} ; I have made this point abundantly clear to Bank of America, to no avail. The most recent excuse I received this past Friday ( XX/XX/XXXX ), I was advised by XXXX XXXX that the request was further declined because " BofA can not issue payment on an invoice without the invoice being accompanied by a declaration page ''. I reminded XXXX that on XX/XX/XXXX we were given an expedited reference id # ( XXXX ) that promised to disburse payment by overnight mail to avoid termination of the policy, and despite this promise no one from BofA reached out to me nor the insurance agent advising us of this latest refusal. 
I am now without insurance because of BofA 's actions or inactions, despite having tried since XX/XX/XXXX to have our invoice paid by BofA to prevent cancellation. I AM BAFFLED as to how or why the mortgage company finds it acceptable to collect my monthly escrow payment and refuse to disburse on command ( either mine or the insurance company ). 
I am displeased, I am negatively and unnecessarily impacted, and request your investigation, penalty, and resolution.
I am a XXXX XXXX XXXX working toward Public Service Loan Forgiveness with FedLoan Servicing.  For my latest employment certification, I was informed that I had 57 payments (of the required 120) credited toward the program.  As noted in my last billing statement, FedLoan Sevicing indicated I had 50 payments according to their records.  I contacted customer service, and the individual said someone would review my account.  A few days later, I received an employment certification form with no explanation of why I had lost 7 payments credited to my account.  This is now the second time in which the number of PSLF payments credited to my account is incorrect.
PayPower has failed to provide credit. Case number XXXX states that Pay Power is waiting for proof of purchase, submitted proof of purchase along with this statement. Create a dispute on XXXX and still no resolution and it is XXXX. Pay Power card number is **************** exp date ; XXXX.
Hello, As of today I have been charged a total of {$170.00} in bank fees which {$100.00} has been reversed, TD bank pick and chooses when to post a transaction ( they 'll leave it pending for several of day s ) hold  deposits and charge fees instead of processing the deposit and when your deposit clears, they have charged fees so that your money is gone. This is unfair and illegal and something must be done!
I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with XXXX ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XX/XX/XXXX and XX/XX/XXXX on my {$170.00} loan. I called XXXX several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called XXXX to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XX/XX/XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but XXXX did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can XXXX fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.
I very respectfully request a throughout review about the below claim against Freedom mortgage. I sincerely hope that it is resolved on my favor. 
Freedom mortgage has been reported the credit bureaus XXXX, XXXX and XXXX a late payment since XXXX 2015 which has been brought my credit score gradually very low to the point that I was denied a credit transaction. 
I have been greatly affected by this report and have been requesting them several times to fix it to no avail. I am still showing late and my credit score is dropping dramatically. It got to the point that one representative told me to not worry about it that they have all my payments done on time and that was a system mistake. All the times I spoke to Freedom mortgage officers the call was announced to be recorded so I am assuming there are plenty of recording to follow out conversations about my payments that prove I have been asking them many times to fix the issue. 
On XXXX XXXX, 2015 I applied for a refinance loan and was declined. The mortgage office told me I had been late in a mortgage payment since XX/XX/XXXX with Freedom mortgage and with that I was automatically disqualified for a mortgage refinance. 
I immediately call Freedom mortgage but they seem to not understand what is going on and just keep on saying it is going to be fine but the damage is done and they are not fixing it. Nobody has reached me with solutions either. 
I sent the paper work to the credit bureaus but I have not been contacted nor I see any change in my score. My problem needs to be solve with urgency as I am desperately need to refinance a mortgage with very high rate. I am experiencing financial loss due to the false report.
VA overpaid XXXX compensation after notification to stop payments, while I was XXXX. VA refused to accept spousal intervention to stop collection, and reported a unpaid debt to credit agencies. This is a violation of Federal Law ( Soldiers and Sailors Relief Act ) to incorrectly start a negative report and payroll recoupment while service member is XXXX. Credit Reporting agency is not be allowed to accept inaccurate reports without verification, just because it is from the Federal Government.
On XXXX XXXX, 2016, Wells Fargo took a direct debit from our XXXX XXXX checking account of {$1300.00}. Our regular monthly mortgage payment to Wells Fargo is {$1200.00}. Wells Fargo needs to respond to these XXXX questions : 1 ) Why did Wells Fargo take out an extra {$52.00} over and above our regular payment? 
2 ) Why was this extra amount of {$52.00} not mentioned in the Wells Fargo response of XXXX/XXXX/2016 to our complaint to the Consumer Finance Protection Bureau of XXXX XXXX, 2016? 
Please respond to these XXXX questions in a straightforward manner. Evasiveness is unprofessional.
In XXXX I bought a vehicle for my children in college the vehicle repossessed XXXX. About XXXX/XXXX/XXXX the debt turn up in the hands of some one called Main Street Acquisition Corp. they in turn hired a firm named XXXX to collect. Since XXXX/XXXX/XXXX I 've been paying anywhere from XXXX to XXXX XXXX XXXX. I feel taken because original creditors sold the vehicle in XXXX. I think I have paid enough on this old debt. Is there any help for me in this matter,
XXXX ( XXXX Loan Acct # XXXX ) in the amount of {$3100.00} XXXX ( XXXX  Loan Acct # XXXX ) in the amount of {$2100.00} The above two accounts were originated between years XX/XX/XXXX-XX/XX/XXXX. A detailed debt validation letter was sent on XX/XX/XXXX ( USPS Certified Mail, reference # XXXX  ). As of today, more than 30 days have passed without a reply from XXXX.

Please investigate this matter as I believe XXXX is in violation ( again ) in accordance to the Fair Debt Collection Practices Act.
Hello. I am struggling with an account from XXXX XXXX showing up on my credit report as delinquent as of XX/XX/XXXX. 
I had a car loan from this company in XX/XX/XXXX or XX/XX/XXXX. Within a week of me having the vehicle, it died and needed over {$5000.00} in repairs. My father took the vehicle back to the XXXX XXXX XXXX-which is the car lot I purchased it from. After this, we filed several reports with the better business bureau. I have n't heard anything else about this car since then. It has never been on the credit report. We are now going into XX/XX/XXXX and it just now hit my credit report as delinquent. Please guide me as to how to fight this.
I have a unverified account from XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I request that XXXX Cease and Desist all further communications. XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.