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    XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #   XXXX   DOB XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  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 below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   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 to 15 U.S.C. 1681i ( b ), I request 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 item ( 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 above 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 bills with my Name and current address.
  XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX O INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATEXX/XX/XXXX INQUIRER TD XXXX XXXX INQUIRY DATEXX/XX/XXXXINQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATEXX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXXINQUIRER XXXX XXXX XXXX XXXX  INQUIRY DATEXX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXXINQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX  INQUIRY DATEXX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX
Experian keeps reporting unverified and inaccurate information on my credit report. Although through multiple disputes via online and through the mail, Experian has stated that they have verified the account and the information is accurate, however, Experian has not produced any documentation to me ( as I have requested multiple times ) to support investigation. 

Furthermore, I sent via certified mailed a debt validation on XX/XX/2018 to XXXX requesting validation of this debt. I also asked to be provided with any documents with my HANDWRITTEN signature and an itemize invoice ito explain what the charges where for. 

XXXX has failed to provide any documents proving I owe this debt and they continue to report this debt montly on my Experian credit report. XXXX, on XX/XX/2018 I initiated a dispute through Experian online to provide Experian with a copy of my debt validation letter and a copy of the certified receipt mailing and demanded that Experian delete the account from my report due to the fact that XXXX failed to respond to my debt validation letter. 

On XX/XX/2018. Experian provided me my dispute results and claimed XXXX that the information is accurate and the account has been updated on my credit report. 

Experian is not verifying the information being reported by XXXX. I gave XXXX more than enough time to respond to my Debt validation request, but XXXX has NOT validated this debt to me by sending supporting documents of their claim. However, XXXX responded to Experian request WITHIN ( 1 ) day as the debt is accurate and verified. XXXX is breaking the law by reporting false misreprensenting information and I DEMAND that this account be immediately DELETED from my Experian credit file.
I filed a complaint in XXXX of 2017 for multiple items that appeared on my credit report as a result of identity theft. Equifax responded with items that were to be removed as a result of the investigation. XXXX XXXX  was included as an item to be removed however it still appears on my credit report. Below I have copied and pasted the response form Equifax with the results from the original complaint. 

Equifax reviewed the complaint, its records and initiated a reinvestigation. Equifax did not receive any additional communications from the consumer during the review of the complaint. Equifax will mail the results of the reinvestigation within 30 days. Please be advised XXXX. XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX was deleted for the credit the file in case number XXXX. XXXX   XXXX.has been verified as reported with the following Name, Social Security Number, Date of birth and address. Equifax has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17.
My mortgage was sold from XXXX XXXX to Fifth Third Bank. I received a notice from XXXX XXXX but have not receive any communication from Fifth Third Bank. Even though I received no new notifications, I contacted the bank because my home insurance and tax payments were in Escrow. After contacting the bank 5+ times I still have received no notifications or bill for payments. They also have not paid my home insurance and presumably my taxes from my Escrow account. They instead told me that the Escrow was still with XXXX XXXX, which of course was untrue. 
I 've taken three trips into the new bank to get the information set up, each time being assured that it was fixed. However according to my insurance agency they still have n't received the information from the new mortgage owners.
i have XXXX items on my credit report that has been reinserted, seen i ve pulled my reports on equifax i did n't recall seeing the XXXX collection accounts on my credit in over a year, now i pull my credit report and my account has more items added that where the same and my credit score went down XXXX points due to these items. i also was sent a copy of my updated reports and the XXXX items where not on my report
I am.behind XXXX payments currently on XXXX Acura TL, today.. I received a text but no call from a non.business number for Peoples Financial stating I had XXXX minutes to call them.or they are sending a repo.truck for the car. Needless, peoples bank.is n't even open at XXXX. I have no idea who this is, but they say they represent them. Tried calling the number, no answer and voicemail full, call branch offices ... No one is open of course. This can be resolved without this intimidation to already stressful debt. I'm.sole income for my family. No assets, no savings. Life is expensive XXXX with a little XXXX. Planned to pay Monday after resolving a hacked checking account issue which I have documents of.
XXXX XXXX card was taken over by Capital One. I have had nothing but problems with Capital One throughout my adult life and a quick search on XXXX shows that many others have the same issue. Capital One talked me into electronic statements and then CHANGED the notifications preference to " no '' for an email telling me when my statement was available. I therefore did NOT receive a statement from XXXX XXXX/ Capital One for almost two months. Luckily I have a credit report monitoring service and when my score dropped dramatically I took matters up with them. I believe that Capital One does this on purpose to get as many fees from unsuspecting cardholders as they possible can. They have proven time and time again they are unethical when it comes to the practice of trying to get as many fees as possible from their customers and now with the negative credit bureau inquiry I had to report them. I am now in " wait and see '' mode if they " decide '' to remove this negative mark on my report that I understand could stay there for up to SEVEN YEARS. This happened starting in XX/XX/2018 and the call to correct it was XX/XX/2018 but as I said, I am still waiting to learn if Capital One makes the correction or not.
I have placed a fraud alert and freeze on all XXXX creditors. I will like to know if my personal information and credit inquiries are used by a third party to commit fraud. I have all these credit inquires and was not inform about any credits or gave my consent to any company to use my personal information.
On Friday, XXXX XXXX 2017 I received a call as I was completing my work day and preparing to head home. The caller identified himself as XXXX from Systematic National. He stated the bill about which he was calling and, as I was not willing  in that moment to divert my attention to the call, I asked him to call me back another day. 

From that point on, XXXX proceeded to badger me about how often they had called before and got no answer, and how difficult it had been to reach me. When I attempted again to ask him to call me on another day, he interrupted me -- in an exceptionally belligerent tone, I might add -- saying, " I do n't think you really want to pay this bill. '' Perceiving his confrontational attitude, I began to state my intent not to argue with him, but XXXX interrupted me again : " I do n't think you really want to pay this bill. If you do n't want to pay the bill, XXXX XXXX, just say so, '' he huffed. Then he hung up. For clarity, I will repeat. XXXX CALLED ME, berated me in his stated belief that I did n't actually want to pay the bill about which he was calling, and then HE hung up on ME. 

So what was the point? And further, I do n't care how much money I owe whoever, rudeness and disrespect are never in order. I afforded XXXX the same respect and professionalism I expect for myself. If this company and this representative are unwilling to do likewise, I am formally requesting they not contact me again EVER.
I have made three separate requests for Transunion to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Transunion to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the  credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) Transunion has cleared three of the original derogatory remarks for which they can not provide verifying documentation. However 4 such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : https : //financialservices.house.gov/media/pdf/060403lb.pdf
XX/XX/2018 I resubmitted my income foe my repayment plan. My income has only gone up by {$1000.00} last year my payment was {$79.00} this year it is {$540.00}. I have call a number of time trying to get this worked out. Navient keeps telling me my income has gone up {$29000.00}. I do not understand how my income going up by {$1000.00} cam more then triple my payment. I have renewed mt income the same way every year. studentloans.gov the IRS pulls the XXXX over and then submits it to Navient. I need hepl in this matter as my income has only increased by {$1000.00} and can not afford to pay XXXX each month.
Transunion refuses to update my address. I called them on the phone and I have mailed a copy of my current drivers license and they mail things to me at the correct address and yet they will not update it. Their demand for utilities or bank account is impossible, due to XXXX, I am XXXX and do not have a bank account. 


Also, they show a collection for XXXX XXXX that should be removed.
I had a American Express account and went through the financial downturn in XXXX. 
I made several payments and could n't make any more. They filed a judgement against me and tried to collect. The sheriff came out and I did n't have nothing to collect. One year later I received another credit collection company " XXXX XXXX XXXX XXXX '' after the same money. Too me this is double jeopardy. The amount is {$4800.00} in which the original balance was {$10000.00}. Civil summons File number XXXX. American Express vs XXXX XXXX XXXX ; Lawyer was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, North Carolina XXXX ( XXXX ) XXXX. In addition filed a Motion to Claim Exempt Property.
I HAD A LIEN PLACED ON MY HOME DUE TO OWING TAXES TO THE STATE OF MICHIGAN, WHICH SINCE HAS BEEN RELEASED XX/XX/XXXX .... PAID IT IN FULL WITH MY REFUND, ALSO RECEIVED A LETTER STATING THE LIEN WAS IN FACT PAID IN FULL IN THE MAIL. 
THE CREDIT BUREAU ( S ) NEED TO UPDATE AND I AM SURE THIS WILL HELP MY CREDIT SCORE. THANK YOU FOR ALL YOUR HELP THIS IS A WONDERFUL VERY HELPFUL SITE, I AM SURE YOU ARE HELPING MANY!! 
XXXX XXXX
On XX/XX/2018 my checking account was fraudulently used. I did not know until my mother tried to use her card and found that the account had a freeze on it. My mother 's account was affected also because we shared accounts. We went into our local Navy Federal Credit Union to find out why and was told that no one can discuss anything about the account and that it was under investigation and was given a print out of my transactions. The print out showed how someone deposited over {$5000.00} into my account from another person 's account and then withdrawn at XXXX supermarket by way of money orders. The bank rep gave use a business card with a phone number and a name ( XXXX ) and said to call the security dept. only they will speak to you. This led to the worst experience ever. The person I spoke with would not give me any information and did not really know who XXXX was. I called, my mother called multiple times. The only thing they said is that security does not speak directly to anyone and that this investigation would take 15 days. I continued to call for the next 3 days trying to communicate with the bank. I told them that I'm a XXXX XXXX XXXX  and that my payroll check will be deposited into that account in a couple days and I needed that money for school. Again no one would speak to me. On XX/XX/2018 I tried to log on to my account and I could finally get into it and there it was over {$4500.00} in the NEGATIVE and they had applied my pay check to the negative. I called the bank and someone told me that the investigation was done and that I'm at fault. Every dime I worked for GONE! plus I owe them over {$4500.00} according to them. This is wrong. I had nothing to do with what happened. They never called to speak to me, they never interviewed me or mom ( whose account was also frozen ) they came up with a decision in 72 hours! Who did they talk too? wheres the video of the people purchasing the money orders? This could be an inside job. I don't deserve this. I'm only XXXX years old, I work and in college. I want my money BACK and account cleared.
Selene Finance has been reporting my mortgage loan delinquent to all credit reporting bureaus despite the fact that the mortgage was part of Chapter XXXX bankruptcy settlement dating back to 2011. I have made numerous attempts over the past three months to discuss my account with customer service representatives, but they refused to discuss my account insisting that the attorney who handled the bankruptcy years ago was listed on the account and that they would only talk to him. Once I contacted the attorney, he refused to write a letter to Selene Finance authorizing them to discuss the account with me unless I paid him {$350.00} for the letter. Unable and unwilling to pay for the letter, I was forced to seek another attorney to handle the matter with Selene. For days, Selene refused to acknowledge the letter faxed by the new attorney. Once the new attorney spoke to XXXX XXXX at Selene, she refused to acknowledge the bankruptcy discharge and indicated Selene " did n't care. '' Selene is now claiming I have to start a dispute with the credit reporting bureaus. So my credit status remains unresolved despite the fact that I have gone through all legal procedures and expenses to resolve this financial loan legally. Selene refuses to acknowledge and honor the United States Bankruptcy court order and my credit issues remain unresolved. I did a deed in lieu of foreclosure with Selene Finance a long time ago. The property was sold immediately because it was in perfect condition. Despite all these legal procedures and efforts, Selene Finance, continues to violate my rights under the fair consumer reporting laws with blatant disregard for the the federal and state consumer protection laws. Bank finance criminals receive better protection under the laws than I have received over a measly mortgage loan legally discharged under the protection of the " law. ''
Navient is making it impossible for me to pay back my loans. I called navient to try to set up a payment arrangement. The person told me that my loans are not with navient yet they are still with XXXX. I called XXXX and they of course say navient has my loans. No one can tell me where my loans are so that i may start paying them back. And i have not recieved any current statements or letters.
I had an account with Conns. I bought unemployment insurance with my account. I lost my job later and filed a claim several times but they just keep ignoring me. NOW CONN 'S IS REPORTING A CHARGE OFF, THE INSURANCE COVERED THE BALANCE
Says I opened an account in 2015 and owe {$150.00}. You 're company is not licensed to collect or communicate about a debt in the State of Indiana. I want this removed from all of my credit reports.
I paid off my mortgage with Fifth Third Bank. After the mortgage was paid off they took another payment from an automatic withdrawal. This was the XXXX of XXXX. They told me they mailed a refund check on the XXXX of XXXX but as of the XXXX of XXXX I have not received it.
I recently contacted Discover because I was behind in my student loans and wanted to catch up on the payments. After speaking with a Discover representative I was informed I was not able to refinance my loans and discover does not do settlements or work with outside companies. After doing online research I learned this was a lie and the representative was only telling me the company does not do refinancing or settlements so I could keep making monthly payments and not seek a lower interest rates. After calling back and informing the representatives on this matter they transferred me to an account specialist who informed that in fact Discover does do refinancing. After speaking with the account specialist she informed me that in order to refinance a loan you must pass a credit check and have a good payment history, but this is clearly a way to keep you from being unable to re fiance, because if you have not paid your student loans, you credit is effected and you do n't have good payment history ; thus you will not be able to pass there credit requirements and not be able to refinance ; thus you have keep paying higher montly payments and charging more interest. I want to file this compliant for the reasons listed above ; In addition, I get called by Discover on numerous occasion as early as XXXX and as late as XXXX and when I am informed them of the situation they transfer me to another department. I am usually on the phone half a hour at a time, just to tell them I spoke with a representative earlier in the day. This company has lied to me about there policy 's and procedure 's, and calls me non stop.
Hi, Account shows opened on XX/XX/XXXX for {$470.00}. Not my account at all. I never opened this account and it is messing up my credit score.