WillisBack/dataset-financial-user-claim huggingface dataset:
Good XXXX, I recently, on two occasions disputed the XXXX XXXX on my Transunion report as never late. I included a copy of the never late letter that was addressed to my mother XXXX XXXX as she is the primary account holder and I am an authorized user. On the first occasion they came back verified as if it was late. they didnt even honor the letter that was furnished. 

On the second occasion on XX/XX/XXXX I disputed it again, they removed the late that was showing on XX/XX/XXXX then they added it back on as if it was late on XX/XX/XXXX. 

THIS ACCOUNT HAS NEVER BEEN LATE AND THEY ARE NOT DOING THE RESEARCH TO REPORT THE CORRECT INFORMATION. 

I need them to remove the late and update my account to never late. 

SECONDLY, I called to dispute several inquires that are reporting on my credit report with Trans Union that I am unaware of, please see the following : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I spoke with XXXX on XX/XX/XXXX and she REFUSED to put in my inquiry dispute, taking away my rights to dispute incorrect and derogatory information on my credit report. 

what I have gathered is that the employees at Transunion do not want to help people get there reports corrected because they get paid to report incorrect information. 


Thank you so much for helping me in this situation.
I have been notified that I may be affected by the Equifax data security breach. As a consumer I believe that the security in place for such an important credit agency should have been able to withstand or prevent the attacks that occurred. As a result, my personal information may be in the hands of unwanted persons.
I have monitoring services with all three credit bureaus which allow me to unlock and lock my credit report, since I am a continuous victim of identity theft. On XX/XX/XXXX, someone unlocked my credit report without my consent and then called and changed addresses, phone numbers, added accounts, credit cards opened, rented a place with my social security number. When I called to see how my credit report was unlocked when I had locked it back in XXXX, they kept transferring me to one department to another and manager to manager. Nobody could answer my question. I was left having to clean up the mess when I am paying them a monthly fee so that I and I alone can unlock and lock my report. I asked them if there was an additional step I could take so that someone impersonating me could not call and unlock my report and they told me that no
Almost two months ago I attempted to open a Navy Federal checking + savings account. I went through the entire online process without issue and was not notified of any problems. I deposited at that time {$95.00} into a checking account, {$5.00} as required into their savings. Approximately two weeks went by and after receiving no email contact, phone calls, or snail mail, I called in. I was told that they needed to verify ID and proof of address. I said, great, not a problem, got the ID number XXXX, a fax number, and sent the required items over. Again another week or two went by, zero communication, zero notification of any problems. I called in yet again. This time I was told my ID did n't come through OK. I told the woman I spoke to, fine, I 'll email it directly to the pertinent department. On XX/XX/XXXX, I sent a scanned, high resolution copy of my license, along with access code XXXX to XXXX. No response. Crickets. No mail, no phone, no anything. Yet again I call in to get a status update. Apparently that email, despite going to the precise email address provided - and despite having CONFIRMATION that the email was sent, apparently went into an abyss. I told THAT woman that either this gets resolved on the phone today ( at this time, late XX/XX/XXXX, more than a month after attempting to open the account ) or the account is closed today. The relevant department did not find the email and did not provide a convenient means to provide that information for a third time, thus I immediately demanded closure of the account. Closure was GUARANTEED. REfer to the XXXX recording that you supposedly keep. And a check in the mail was to be sent. And yet on XX/XX/XXXX I receive a letter in the mail requesting ID and proof of address to be sent. Which btw, was quite literally the first communication from Navy Federal to me at any point in this two month process. All other communication was me having to get in touch with Navy Federal And on this call, I 'm told that I need to show up at a bank location to close the account and get my XXXX money back. I 've wasted multiple hours and now I 'm being told a simple closure process that gets me my XXXX money back requires wasting MORE time as you are n't around the XXXX corner. I WANT MY XXXX MONEY BACK AND I WANT YOU TO LOSE ANY AND ALL OF MY INFORMATION If that does n't happen, I 'm taking everything viral. I have consumer 's list of 100k that I will put this story in front of and I will incentivize it going viral if need be.
I has my mortgage with boa until yesterday when my loan was transferred to XXXX   XXXX. I was never notified either by phone, email or letter by boa about this situation. 

On the other hand I just received a notification by XXXX telling me that they are taking over the loan.. 

I have been paying within the month of my regular payment so I have never been late. I even have a representative from boa that call me regularly to verify that I was able to make the payment within the month.. again i always paid within the month no late payments ... he never mentioned that boa will be transferring my loan. 

I believe boa is not a bank to be trusted for consumers, they take advantage due to their position in the market. They should notified if they are going to do this before hand. 

Note ... since my loan was erased from boa website I not sure if this was a conventional o or FHA loan.. 

Regards
In XX/XX/XXXX XXXX payments of approximately XXXX each were applied to our account in error. I called to make a payment and was advised our mortgage was paid until XX/XX/XXXX. I explained those payments were not ours and an investigation was done. A week later I called back and was advised the payments were correct. I again attempted to make a payment and was told they can not accept a payment that far in advance. This continued for several months. Finally the customer that made the payments contacted Roundpoint and were told we would have to pay they payments and late fees we were given credit for all at once. After several calls we were put on a payment plan and were told to pay {$750.00} per month which I told them we could not afford. The other customers payments were applied to our account because they entered the wrong account number. We do not want to lose our home. We would like this resolved by removing all negative credit marks on my husbands credit, removing all late fees and removing any past due balance on this account. This is under the name XXXX XXXX acct # XXXX Roundpoint mortgage servicing corporation. Phone number XXXX. I am authorized on the account and my name is XXXX XXXX address is XXXX XXXX XXXX, XXXX OH XXXX. Phone number XXXX
For the past two years, CCS Collections has listed a collections account on my XXXX and XXXX credit reports. I am unaware as to the source of this collection account and so on XX/XX/XXXX, I sent a letter to CCS to validate the debt. They have not responded yet continue to report the collection on my credit report.
An account showed up on my XXXX credit report that I have no knowledge of. They show I opened an account with Cash CentralXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, on XXXX XXXX, 2017 for {$3000.00}. I disputed the account with  XXXX  and they told me it was my account. I contacted Cash Central and their fraud people said they would email a fraud packet to me but they would n't give me any information about the account that is supposedly mine. I have no idea where it was even opened. I have not received anything from Cash Central and have reported the fraud to my local police dept. I suspect Cash Central knows this is n't my account and they could have easily prevented this just by pulling my credit report. I have reported the fraud to the XXXX, NM police dept case # XXXX
I am writing now in wish to receive your help. Presently I am working on going over my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX, XXXX   and XXXX ) on XX/XX/2016 and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Reference ID : XXXX I have {$250.00} USD in my paypal balance for over 180 days. I tried to add a bank and its not allowing me to. I also tried to request a check but it says my address cant be verified.
In XX/XX/XXXX, I had informed XXXX 's representatives of my financial hardship which started in XX/XX/XXXX. At the time, there was no hope for me to pay my bill on time as I couldn't even have enough money to eat after paying my rent. I tried numerous time to pay even the smallest amount but no compassion from XXXX XXXX, my account was sent to collection. Having this card since XXXX, that's the way loyalty is rewarded with this company. 
In XX/XX/XXXX, I initiated a monthly payment to pay my debt in FULL. The charge-off is not accurate since XX/XX/XXXX as the debt was recovered in full! I was informed by XXXX 's representative in Credit Services Department that the Charge-off information in my credit report would be removed from my credit report once the debt is paid in full. I made numerous attempts to removed this from my credit report but no success! XXXX 's mislead its customer and then refuses to do its part.
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors Equifax already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XX/XX/18 XXXX : :XXXX  XXXX XXXX XXXX Credit Report Hard XX/XX/18 XXXX/XXXX XXXX/XXXX Credit Report Hard XX/XX/18, XX/XX/18 XXXX/XXXX  : :XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX   XXXX XXXX, : : XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18 EQUIFAX XXXX  XXXX : :XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18, XX/XX/18 FACTUAL DATA : :XXXX XXXX XXXX  XXXX  Credit Report Hard Equifax Hard XX/XX/18 XXXX XXXX XXXX XXXX Credit Report Hard
This company keeps trying to say my identity was stolen. My identity was not stolen. There are many XXXX XXXX. I am just one of many. The address on file for this debt does not match my address and has never matched any of my addresses. I have never lived at this address. I sent proof to this company that I never lived at that address. Yet they are still trying to claim that my identity was stolen. My identity was not stolen. They have the wrong XXXX XXXX. 

There is a charge on my credit report that is not mine. It is an EMS charge with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the EMS company and told them it was not mine. The EMS agency confirmed the address was not the one they had on file and removed the charge from my credit report. However, the charge has now reappeared. This time I contacted the Collection Agency ( Applied Business Services , Inc. Security Collection Agency ) and told them it was not my account, and I provided them with a copy of my XX/XX/XXXXand XX/XX/XXXX XXXX showing my address, showing that since XX/XX/XXXX I have never lived at the address that the EMS company had on file - it is in another town! I asked them to remove this from my credit report because it is not my account. The credit agency did not do that. They simply sent my current address to the EMS agency. The charge is still on my credit report. 

My identity was not stolen. This is the wrong XXXX XXXX. I do not need to fill out and stolen identity paperwork. I already sent proof via certified mail of my address. I sent a copy of my XXXX for XX/XX/XXXX and XX/XX/XXXX and a copy of my driver 's license. I have never had my identity stolen and I am not claiming that my identity has been stolen. They have the wrong XXXX XXXX. The address on file with the EMS company does not match my address. I don't know how many other ways I can say this so that this company will understand.
Monthly fees of {$15.00} were taken out of my checking account starting in XX/XX/XXXX through XX/XX/XXXX without my knowledge. Bank 's explanation was these fees accrued because a minimum balance was not maintained. 
I informed Citizen that I 've had a checking account for over XXXX years and I was never told there was a minimum balance requirement. I was told the reason was, I had an additional mortgage account and because of that, the minimum balance was n't a requirement. After my mortgage was paid off, I had to keep a minimum balance in my account. 
My concern is that I was never notified of this, nor told that once my mortgage was paid off I was required to maintain a minimum balance. I was also told I signed up for electronic monthly statement and this is not correct either. 
I am respectfully requesting that all my funds which were taken out for fees, be replaced in my checking account. Fee amounts total approximately {$180.00}.
I did not agree to loan terms. I was never contacted via phone for loan terms. The interest rate is shark-like. I 'm not even sure this is legal. Contract did not specify paying eve ry two w eeks.
Despite years attempting to correct the situation and filing many complaints, Seterus, Inc has continued to move forward foreclosure and has damaged my credit to almost irreversible levels since XXXX. The constant harassment has caused me serious health issues and inXX/XX/XXXX, XXXX XXXX clinically diagnosed me with XXXX. Seterus continues with the same scheme to defraud mortgage owners by charging them for insurance they already own, and making the insurance part of the mortgage payment, then alter fix rate mortgage like mine to collect not only the fraudulent insurance money but also late charges the company incurs to costumers. Seterus, Inc has partnered with XXXX XXXX, a service provider to Seterus, Inc who supposedly contact costumers like me to request insurance proof, but truly costumers do n't get noticed from XXXX XXXX, until after the fraudulent insurance has been " purchased '' by Seterus on behalf of the mortgage owner. I requested XXXX XXXX and Seterus, Inc to issue proof of the original insurance request I supposedly receive on XXXX, but I never received anything from either company. In XXXX, I started to get letters from the lenders, Seterus that I was late on payments, I check my bank account and I corroborated all payments were made on time, I contact the company via phone to get an understanding of the late changes and changes of my account but customer service over the phone was unable to explain what was going on with my account. I finally got fed up with the lack of explanation from Seterus and I filed a complaint with CFPB. Finally, in the response from Seterus to CFPB, I understood what the claim was, but I was still not clear due that I never received an official request of the master insurance from either Seterus or XXXX XXXX, and despite many requests to Seterus to issue proof of the original insurance request which supposedly was sent to me on XXXX I never got evidence of the same. I submitted the master insurance to Seterus, Inc,  and XXXX XXXX, on On XX/XX/XXXX, via mail and fax, almost four months later I received a letter from XXXX XXXX, requesting the insurance, when I point out that on a previous response via CFPB, Seterus acknowledge the undeniable submission. Until today my account has not be corrected, almost three years and this company continue the scheme. An early complaint to the NY Attorney General has put me in contact with the FBI and FTC who now request CFPB to submit all records of my past complaints about Seterus and its scheme directly to the investigator. So please see the attached request and direct me on how can I submit all past complaints regarding Seterus to the investigator.
In XXXX 2013 I became aware that some bank accounts had been opened under my name, and were on my credit report as a result of identity theft. I also noticed an address and phone number that are not associated with any place I have ever lived or had as a contact number. I contacted my local police department and filed an identity theft report, and gave the detective the address and phone number associated with the fraudulent accounts. I gave this information to Experian and began the process to resolve the issue. XXXX accounts with XXXX XXXX were opened under my name, and after the dispute XXXX was removed, but not the other. Recently, I noticed it was still under my name and since I am currently in need of a new car, I knew I needed to take care of it to get the best finance options. After filing another dispute, providing them with the police report and email correspondences between the detective and myself, I received notification of my dispute results. The account still remains on my credit report, and I do not know any other way I can prove that this was not me who opened the account. The bank in which the account is opened under is not in my area, and I had never heard of it before this identity theft issue. This is a clear violation, and I believe Experian has not done their jobs in representing one of their members and ensuring my identity protection. I will be fighting this until it comes off my credit report, no matter how long this takes. This is wrong, and Experian should do more to help those who have been a victim of identity theft.
Capital One Bank is operating a fake dispute resolution department where they only pretend to investigate credit card fraud on their customers and arbitrarily take the side of the fraud perpetrators apparently in order to save costs for themselves that would be required to fully investigate the fraud. 

In XXXX, 2017, a moving company in XXXX called XXXX XXXX XXXX XXXX fraudulent overcharged me by use of my Capital One Spark Business Visa for approximately {$2800.00}, and also damaged thousands of dollars of my property in the move. 

I reported this fraud to Capital One, but Capital One summarily and arbitrarily sided with XXXX XXXX XXXX XXXX and failed and refused to fully investigate the facts of the fraud. Instead, Capital One sent form letters to me about the dispute, which letters when read carefully demonstrate that Capital One did NOT fully investigate the fraud. 

Capital One charged my account for the fraudulent amount and then charged me interest and late fees and has made derogatory reports about me to all of the credit reporting agencies. 

If I had the resources to do so, I would bring a federal class action lawsuit against Capital One, but I am retired and am not in a position to do that. Our government should put a stop to this massive fraud by Capital One Bank on all of their customers throughout the country. 

Thank you for your assistance in this matter.
XX/XX/2018 our FHA loan was transferred from XXXX XXXX XXXX to Rushmore Loan Management. XX/XX/2018 I attempted to pay my loan online through a one time payment in the amount of {$1400.00}. It had still not come out of the account and on XX/XX/2018, it was shown to be returned. But, it NEVER came out of my bank account. I called them and tried to rectify and pay this on XX/XX/2018. AGAIN, it showed to be paid on XX/XX/2018,  but never came out of my account. I was finally able to get it paid after talking to them on the phone on XX/XX/2018, even though it was shown to still be paid online at the time. It had not come out of my bank account and I was worried. On XX/XX/2018, it was returned from the payment done XX/XX/2018. This was a payment that never came out of my bank account.

I have set up automatic payment during the month of XX/XX/XXXX and I verified with customer service online that I had it set up correctly. A letter dated XX/XX/2018, was mailed stating that per my request my automatic withdrawal is to be cancelled. I did not ask for this. There is no record of this.

I sent the payment through XXXX XXXX   online with their bill Payee system upon returning from a trip on XX/XX/2018, once I realized my automatic withdrawal had not come through. It went through immediately.

Rushmore Loan Management is making it impossible to keep my on time payment record and is fraudulent in how they are operating my account. They cancelled my automatic payment. And they are not helping to ensure I can pay this. On XX/XX/2018, a letter was mailed asking for a revised fire insurance policy. I have not changed my policy since the loan transfer to Rushmore in XX/XX/2018. They are requiring insurance above what is necessary for my area. My policy is through XXXX XXXX XXXX XXXX.
On  XXXX / XXXX / XXXX  I sent a certified letter to Diversified Consultant,  XXXX    XXXX   XXXX    XXXX   XXXX  FL  XXXX  regarding  XXXX   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of that I want to inform that the same debt was already dispute with  XXXX   XXXX  and fully deleted on  XXXX / XXXX / XXXX
Over the past 6 months I 've had multiple conversations with people at Ally Financial about my lease ( ending in XXXX ) and buying the car at the conclusion. I 've had to file complaints with the BBB, CFPB and at XXXX just to get someone to send me a copy of the original lease agreement ( the dealer said they did n't have it or could not honor the request ). Now, for the 3rd time in a month, I get conflicting information about buying out the lease.
Keep in mind that someone at Ally once told me the buy out amount was over $ 19k/year. Once I got the copy of the lease, the buy out is actually $ XXXX. But I was told on multiple occasions that I would be sent a buyout package. I 've already secured a loan to buy the car. However it appears that Ally is doing everything they can to not allow me to do so.
It 's either negligence or incompetence. Either case is not good for the consumer.
If this is n't resolved I 'm going to sue Ally.
I have been getting a delayed deposit availability notice on my payroll check deposit slip since XX/XX/XXXX. The delay lasts 11 days with no funds available from the deposit for the full 11 days. I have been depositing this same payroll check for the last 14 years. I have been to the local Chase Bank several times for an explanation, but have not received a proper answer. The best they can do is manually release the hold if I complain. They will not supply any explanation for these holds. I am attaching a copy of my deposit slip from XX/XX/XXXX. It states funds will be available on XX/XX/XXXX. This has been happening for 9 months. I would like to know how they can keep the total deposit unavailable for 11 days without any explanation.