WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It  May  Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX     XXXX .  XXXX   XXXX   XXXX , TX  XXXX  E  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX  COLONY  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  To Whom It  May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The  item ( s ) listed b elow are as follow : Have enclosed a copy of my Id and  XXXX  bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with  15 U.S.C. 1681i ( a ) ( 5 ) ( A ) (  i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I re quest that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past  six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the it em ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the ab ove requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX  SOC #  XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX
Military XXXX XXXX XXXX move. We could n't sell the house so we leased to own. The leaser stayed for 6 years and left the home in poor condition. We are not able to continue payments or fix up the house to sell. We are currently in a review for mortgage help based on SCRA. In the mean time, our past due pmts are being reported and our hard work to build credit has been quickly taken from us. We pay on time and are good citizens. Now because we serve our country we get to deal with this. I am sorry we ca n't make the payments on the past house and our current house. I wish we could. If we did n't have to move, I would 've done everything I could to take care of our obligations, and I thought I was. Now we are stuck receiving minimal help and poor credit. Embarrassing!
Recieved a call from a party claiming to be the IRS, party stated that there was a warrent out for my arrest, and that I had to pay {$5000.00} in order to satisfy XXXX tax evasion charges. I made XXXX MoneyGram transfers to people that I thoiught was the IRS. These transfers totalled {$4000.00}.
I applied for a mortgage with Associated Bank out of XXXX XXXX, WI. I authorized them to pull credit on my XXXX/XXXX/XXXX. After receiving a pre-approval, I made an offer on a house. After I made the offer and turned in more paperwork for them, they came back with a debt to income ratio that did n't work for them. They had me pay off my car for $ XXXX and a credit card for $ XXXX which I did to get the debt to income in line. Also, I was going to put 25 % down ( over $ 90K ) and my only debt was then a cell phone bill and an insurance payment. They once again told me that my debt to income ratio did n't work for them and they needed my wife to be on the loan. So they ran her credit and had her do the required paperwork only to back out of the deal completely on XXXX/XXXX/XXXX due to some credit issues related to an old business she owned. Since then all credit issues have been resolved through a credit correction agency and we were approved for a mortgage with another bank. The reason for the complaint is that on XXXX/XXXX/XXXX Associated Bank pulled credit on us again without authorization. We were notified of this because we were in underwriting with the other bank and they needed a letter of explanation stating why we were applying for credit. I contacted our mortgage representative, XXXX XXXX, at Associated Bank several times without getting a valid reason for the credit pull 9 days after they send us a letter telling us they could no longer help us obtain a mortgage. Twice I requested that they send me a letter ( on bank letterhead ) stating that the report was pulled in error and that no credit was extended, a brief apology and that they would be contacting the credit bureaus to have the inquiry removed. I have received no such letter as of today XXXX/XXXX/XXXX. Based on my experience, Associated Bank and/or XXXX XXXX are deceptive in their intentions related to their mortgage process or their process is broken. It is possible they did n't even have the money to lend. At this point I still want my letter and feel they should be fined. Beware!
My lender does not offer any modification what-so-ever. Excuse given to me is Lendor/Investor does not participate in any modification programs.
Approximately 4 months ago, I disputed this item through XXXX as not belonging to me. XXXX XXXXnvestigated and upon completion, the account was found to not belong to me and was deleted from my credit file. On XXXX XXXX, XXXX, this item was reinserted on my credit report. In accordance with the requirements of the FCRA, the consumer reporting agency should notify the consumer of the reinsertion 5 days prior to reinsertion. This is a violation of the FCRA.
I have called XXXX times to Bank of American to remove my PMI and I was told each time that they need me to complete forms that they will not send. They say they send them but after calling XXXX times to ask why I have yet to receive any forms they just tell me they mail them.
American Express through their Amex offers program advertises promotion through which card holders receive benefits if they make purchase at certain merchants. The card has to be pre-registered for the promotion and the purchase made subsequently. I made such a purchase for XXXX XXXX Membership onXX/XX/17 after registering my card for the promotion which was supposed to give me 5000 bonus Amex points. I have however not received the bonus points even after multiple conversations with Amex who seem to keep promising to resolve this issue in 3 days everytime I have a chat with them. Have tried to escalate this atleast 3 times. I have available the entire chat conversation
The company XXXX, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.
On XXXX/XXXX/XXXX I attempted to use the XXXX XXXX to place a security freeze on my credit report. After presenting me with several fields for gathering my private information, such as XXXX, address, XXXX, etc., the Website returned an error message saying it was " currently unable to process my request. '' I also attempted to call the toll-free number for XXXX, and received a busy signal. 

Also on XXXX/XXXX/XXXX, I attempted to use the TransUnion Website to place a security freeze on my credit report. After presenting me with several fields for gathering private information, the Website returned an error message stating it " could not process my online request. '' The error message directed me to call a toll-free number. When I called the number, I received a busy signal. 

Kudos to XXXX, it was the only credit reporting service able to process my security freeze request. 

After being a victim of the XXXX XXXX breach, ( I confirmed by going to the XXXX breach Website and entering my SSN ), how am I to protect my private consumer information?
The sales representative stated multiple times that I would not pay any interest if the loan was paid off within one year. I asked for confirmation of what the one year date would be, and he pointed to the first payment date. XXXX payments of {$39.00} have been made as of XX/XX/2017. I became worried after checking my credit report and seeing the full amount with interest was reporting. After logging into my UCFS account and viewing the payoff amount, I realized that the payoff did in fact include a very high amount of interest. The payoff was {$920.00} and good through XX/XX/2017. The original loan amount was {$1000.00}. XXXX payments of XXXX without interest should have shown a payoff of {$800.00}. I emailed UCFS with these same details, and asked for a resolution of an agreed upon payoff amount of {$800.00} due to the multiple verbal promises I received that turned out to be a lie. A lady by the name of XXXX called me in response, and simply stated that unless I could supply written proof, that they would not do anything about it. I would agree that it would appear that I am bound by the agreement I signed, if it were not for the deceptive practices this company and their affiliates practice. It does not take long to piece together information regarding this company and its affiliates showing a pattern of deceptive practices that affect a large amount of consumers. UCFS is under the impression that it is legal to say whatever you want to get the consumer to sign, and that you are " home free and clear '' once that is done. Furthermore, I attempted to pay the full {$920.00} by debit card and by bank draft via their website, and I received an error of incorrect CVV code and incorrect payment amount respectively. The CVV code was correct, and the payment amount was taken directly from their payoff information.
Synchrony Bank calls several times each day although I explain my dire financial situation. Other actions are available to Synchrony Bank.
I had a dispute over the amount due. The company was told when I first got the loan to never call my work. On Friday, XXXX XXXX, 2015 the company called my work. When I asked if she were aware she was not supposed to call and she said yes and apologized.
My student loans were transferred/sold through several different places and I could n't find the company that had bought them. My credit file shows missed payments from XX/XX/XXXX through XX/XX/XXXX ( 11 missed payments ). Nelnet had my student loans at this point but I did not know who had my student loans. I called multiple places to try to find where my student loans where, but know one could tell me anything. I also moved from my original residence after completing college. I make my student loan payments monthly since learning that Nelnet had them. The missed payments were not my fault because I did not know where the student loans where.
To Whom It May Concern, The Issue That Im Having Is I 'm Currenty Locked In Chexsystems Due To A Bank Accout That Was Opended Years Ago Unto My Knowledge. Due To This I 'm Not Able To Open A Bank Account. I Have Written More Than One Dispute Letter To Chexsystems To Be Dropped Out Of Their System & They Keep Sending Me Letters In The Mail Asking To Buy More Time. This Unauthorized Bank Account Is Making It Hard For Me To Aquire Credit Line & A Bank Account Due To Me Being Stuck In Chexsystems.
I ask this creditor to provide me with documentation that i agreed and sign a financial obligation to pay them the amount they are reporting. I ask them to show me detailed notations of how the balance they are reporting was configured, including notifications, dates, invoices, receipts of damages paid. I sent 3 certified letters to this company, the first one was sent off on XXXX XXXX, 2017. The collection agency is not the original creditor, i 've reached out to the original credit as well but no no response. I 've asked for validation not verification, and a timely response, under the guidelines of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
XXXX XXXX XXXX ( XXXX ) placed a collections account on my credit for an alleged debt of {$270.00}. I never received a debt validation letter from XXXX, and when I asked them they said they mailed me one in XXXX 2016 which is a flagrant lie in flagrant violation of the FDCPA. XXXX is illegally trying to " park '' an alleged debt on my credit report even though I do n't owe any alleged debt to XXXX. The tradeline for XXXX needs to be deleted because I do n't owe any alleged debt to them nor did I ever receive a debt validation letter. I am disputing the alleged debt because I do n't owe any alleged debt to XXXX.
I was enlisted in the XXXX in XXXX, someone put my name on an apartment lease in XXXX. The original creditor shows no rental history for me, I sent that verification along with the verification that I was XXXX at the time this " lease '' that nobody has a record of was initiated. Yet the collector still will not remove it from my credit and this is keeping me from renting an apartment.
I 'M NEEDING HELP WITH A CREDITOR ( XXXX XXXX XXXX XXXX XXXX. I FILED A CHAPTER XXXX AND IT WAS DISCHARGED ON XX/XX/XXXX2016. SINCE THAT DATE OF DISCHARGE, I HAVE HAD TO REAFFIRM IT THROUGH MY ATTORNEY. I HAVE SENT MILITARY STAR AND EQUIFAX BOTH TO DISPUTE IT AND EVERY TIME I GET IT BACK SAYING THE CREDITOR HAS VERIFIED THAT THE COMPANY IS SHOWING THE CORRECT STATUS CORRECTLY. I 'VE BEEN BACK AND FORTH WITH THIS SINCE XX/XX/XXXX2016 AND HAVE GOTTEN NOWHERE. I HAVE MADE OVER {$240.00} IN PAYMENT BACK TO XXXX AND I WANT IT TO SHOW ON MY CREDIT REPORT TO EQUIFAX FOR CREDIT REPORTING IN GOOD STANDING. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX TX XXXX IF XXXX AND XXXX ARE REPORTING THIS CORRECTLY AS A REAFFIRMATION ACCOUNT THEN I DO N'T KNOW WHAT THE PROBLEM IS WITH XXXX?
I have sen t 4 lette rs to Transunion regarding inaccurate information on my credit report. The  15 U.S. Code 1681g - Disclosures to consumers requires CRAs to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. Transunion failed to provide me verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 day These negative events were not removed. Poof was not provided that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible. I have provided proof of all 4 letters t hat were sent to Transunion as well.
I never opened this account in XX/XX/2018. Please remove this account from my account is affecting my credit scores dramatically. 

Balance {$2300.00} Highest Balance {$2300.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX
Received collection letter dated XX/XX/2017 from Nations Recovery Center Inc about a debt for XXXX for {$14000.00} last four digits on letter are XXXX. I do n't owe any money to XXXX I do n't know what this account is about it just popped up in my mailbox out of the blue. I did not apply to any accounts with XXXX.
I discovered that I have credit reporting of over due accounts with a company that I never took a student loan from. In addition, I am XXXX and taking out federal student loans and private loans for college. 

The company failed to contact me. The company filed to check out the national database to see that I am registered XXXX. 

I have tried to call them but there was no answer
I received a letter from AR Resources out of Pennsylvania stating I owed a balance and would be reported to collections. I called within 24 hours and the gentleman I spoke with explained I owed this to the physician when I let him know my insurance should 've covered this. When I let him know I never received a bill and would like a copy, he asked " for verification, WHY do you need a copy?! '' I let him know once again I never received XXXX, the hospital name was wrong on the statement they sent and I knew I am legally entitled to XXXX. He interrupted me and said something along the lines of, " oh you know you 're LEGALLY entitled? this is going on your credit if you do n't pay this. Do you understand? '' I asked him to please not interrupt me and tried to finish what I was going to say and he started yelling at me saying that I was ridiculous for not paying this now and I needed to or he was reporting it now. According to the letter I have a right to dispute or pay the bill within 30 days so why was I being threatened with this? I tried to interject his rant and asked him to please transfer me to someone else and he completely refused. I asked him two more times and told him I did not appreciate him being rude to me and he yelled at me that I was rude and he would not help me and " What do you feel bullied and threatended?! '' At this point I ended the phone call. I tried calling back but he answers and each time ahd I do n't feel Comfortable talking to him.
I have sent a series of letters to get the incorrect late payments removed from this account and the company has not respond.
RE : File # XXXX I 'm complaining because TransUnion have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.
Debt was first published in XX/XX/XXXX.  Found out in XX/XX/XXXX because almost lost my clearance at work. Talked with representative in XX/XX/XXXX about why I did n't pay debt because apartment was mold infested and I have the pictures to prove it and was debating on weather I was gon na to sue. The rep stated he wanted to see them and he would send me the material to send them in. I never heard from him again and the debt was taken off my report. So I decided to forget it. 

Now it is back on my credit report again four years later, with no prior written notice. When I called National credit Systems, I was told it probably just fell thru the cracks.
I am requesting the removal of one Bankruptcy ( below ) on my Equifax, XXXX and XXXX  credit report ( s ) due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible. Bankruptcy Ref. # XXXX
I paid a debt i was unaware of to the XXXX of XXXX XXXX department. It was from a house i rented five years ago and just recently showed up on my credit report. The collector was unable to actually receive payment so i went and paid in person at the XXXX XXXX XXXX payment window. Now Penn Credit the debt collector and/or the XXXX of XXXX XXXX department are not updating the credit beureau 's that the debt is paid in full!! I have sent XXXX letters and numerous phone calls to each. I even submitted the bank statement showing the transaction paying the city.
XXXX     2017   XXXX  Never dealt with account, account/ company unknown / fraud
I had a private navient loan in default which I settled in full last month ; however, this is not updated on the navient web portal, and it is not updated on my credit report either. Upon calling Navient multiple times, the reps always say its the wrong department before finally transferring me to a number that I get hung up on.
This is my fourth complaint, in this same matter : Received today, my first and only notice from the County of XXXX Recorder, that a Notice of Default has been recorded against my property, document # XXXX dated XX/XX/XXXX. Notice states that filing was done electronically. Document has the signature of XXXX, Assistant Secretary of Quality Loan Service Corp., Trustee. 

Document confirms that the loan date was XX/XX/XXXX. 

As I stated before in a prior complaint, Quality Loan Service in its XX/XX/XXXX Debt Validation Norice letter, stated : '' The current creditor to whom the debt/loan is owed is : XXXX XXXX XXXX, XXXX. ". 

As Instated before in a prior complaint, the XXXX XXXX website states that the owner of my loan is XXXX XXXX. 

Quality Loan Service made a material false statement in its Debt Validation Notice letter. This is serious. XXXX XXXX owns my loan and is my lender. 

As I stated in a prior complaint, California requires for loans made between XX/XX/XXXX and XX/XX/XXXX on XXXX to XXXX Unit Owner Occupied Properties, that the lender as required by Cal. Civ. Ciode sec. 2923.5 ( a ) contact the borrower by phone or in person to assess the borrower 's financial situation and explore options for avoiding foreclosure. 

XXXX XXXX never had a conversation with me. 

Even though XXXX XXXX never had a conversation with me, as required by Statute, the loan servicer XXXX XXXX took it upon itself to have Quality Loan Service file the Notice of Default. 

Furthermore, the copy of the Notice of Default sent to me by the County of XXXX Recorder ( XXXX pages ) does NOT have any declaration by the lender ( XXXX XXXX ) that it contacted me to explore options to avoid foreclosure. This declaration is required by Cal. Civ. Code sec. 2923.5 ( b ). Contact has to be by phone or in person, per Cal. Civ. Code sec. 2923.5 ( a ). 

XXXX XXXX is the owner of my loan, the lender. 

XXXX XXXX is only the servicer. Declaration has to be by the lender, per Statute. A declaration by the loan servicer of contact attempts does NOT comply with the Statute.
Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
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 UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX