WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX i went to XXXX XXXX XXXX to buy a car. I was told that XXXX had their own finance company and gave them permission to run my SS #. When i reviewed my credit report i found out that they actually shotgunned my ss # which made me have several soft and hard inquiries that i did not authorize. I contacted XXXX XXXX who removed them all which raised my score and reduced my number of inquiries. I contacted Equifax and they said they are factual. I did not authorize these and i contacted the companies asking for something proving that i did. which i know they can not produce because i didnt know or authorize them. Shotgunning for car purchases should not be allowed without a person permission. This is horrible on a person credit.
My account is n't updated with my   XXXX   XXXX   account in a timely manner.
After obtaining a copy of my Transunion credit report, I noticed a collection account reporting on my account by XXXX for a debt for {$270.00}. On XX/XX/2016, I attempted to contact the above agency, XXXX to validate this debt through a letter sent certified mail, and as of today, I have not received any response regarding this debt. I have attached the letter and proof of receipt of my letters along with this complaint. The problem is I disputed this debt online with Transunion, and Transunion reported the debt as valid. How is the debt validated through Transunion, when the collection agency did not respond to my attempt to communicate with them regarding this debt?
My husband and I closed on our home/VA Loan XX/XX/XXXX and paid our required funding fee of {$3400.00}. His Veteran XXXX claim was still pending at that time but was approved shortly after our closing date, at XXXX. This level of XXXX constitutes waiver of the funding fee and because his XXXX claim was opened and in process prior to our loan closing, we are entitled to a refund of the funding fee. 
We began our process to obtain the refund XX/XX/XXXX. We have contacted our local VA Regional Office, our original lender, XXXX, and Nationstar Mortgage, the final servicer to which the loan was sold. Research case XXXX was opened with Nationstar. The XXXX Regional VA office has repeatedly told us the lender must submit for the refund via a secure gov't website. Nationstar has repeatedly told us to reach out to the VA to obtain the refund. 
After countless phone calls and hours spent on hold with the VA and our lender, I was told to send Nationstar our Settlement Statement for the home loan showing the {$3400.00} funding fee payment as well as the VA Benefits Summary/Certificate of Eligibility. I again faxed this under the cover of XXXX and also emailed their research dept. 
I received response on XX/XX/XXXX from their research dept, that we were to contact the VA Office-the same incorrect response they have given multiple times. I responded to this email with detailed instructions and the link to the FAQs regarding the process that I was able to find online ( XXXX ) clearly asking them to reference Sections XXXX and XXXX for the request process to be followed by lenders and Section I which discusses how a lender can register their lender ID in the system, get their PIN, etc. if that company is not already registered. This is the process they need to use to request our funding fee refund be paid to them by the VA at which point they can apply it to our principal. 
I then received another response from the Research Dept on XX/XX/XXXX in which they asked me to reference their prior response on XX/XX/XXXX-that we needed to contact the VA for the refund. As the link above clearly shows, the veteran does not request the refund. It must be done by the lender because it was paid as part of our loan closing.
I, MR XXXX. OWNER OF THE PHONE # XXXX, HAVE BEEN RECEIVING NUMEROUS CALLS FROM, ERC COLLECTION AGENCY [ XXXX ], REF # XXXX XXXX THEY'R CALLS TO MY PHONE # ARE ASKING FOR A ..MR XXXX XXXX XXXX, NOT KNOWN NOT AT THIS PHONE # I, HAVE REGERSTERED A COMPLANT WITH F.T.C. ON X/X/18, REF # XXXX AND ALSO CONTACTED THIS ERC AGECY, TALKED TO A MANAGER PLEADING TO STOP HARRASSING US ON THE ABOVE DATE. 
TODAYX/XX/2018 AT XXXX XXXX, I RECEIVED ANOTHER CALL WITH THE SAME THREAT/NOTICE OF COLLECTION, FROM THE SAME ERC/PHONE # AND REF # AS LISTED ABOVE. 
I BEG FOR YOUR INTERVENTION TO THIS HARRASSING CONDITION XXXX XXXX X/X/2018
I applied for a credit card with CitiBank [ see XXXX ] I did not receive a card. I did n't worry about it, I do n't really need it, I just wanted the XXXX " bonus miles '' they lured me in with. 
Now, I am applying for a Loan, but XXXX XXXX XXXX wo n't give me a loan as there is a HARD INQUIRY on my credit, from " CBNA '' ( which is Citibank ) on XXXX/XXXX/16. I have called Citibank 4 times already and spoken to XXXX people, but they have no evidence of my application ( neither do I, I mailed the form to them ) and they say they can not remove this Hard Inquiry from my credit. This means I can not get a loan. I 've been working on this for 4 weeks now, and getting nowhere with anyone, including XXXX. 
Please help!
Incorrectly reported payments and lates. Then wrote the issue off once I paid the loan completely off to avoid further mistakes. Payments were made on time and for more then the monthly required payment. Because payments were made in the branch, they were applied incorrectly and no problem was ever advised to me as the consumer.
On XX/XX/2016 I put check in the my checking account the check was issue to my brother at the time and in was from prudential company. I used the ATM to put the check in I know he was not on the account that not the problem. Couple of days later I get the check back in the mail but it was not the original check it was copy of it. I have made phone calls and wrote letters asking why did the original check was destroyed. PNC destroyed a XXXX dollar check that the person who was not a PNC Bank customer. I would to know from them why they did that and not give the original check. I have been on the with customer service and went to the PNC with no answers. I would like copy of there policy about destroyed XXXX dollar check. The check was deposits in the account and withdrawal on the sameday.
This Phone number XXXX is harassing me every morning! Leaves no call back info. Does not identify themselves. This # calls every morning between XXXX -XXXX wakes me up!! rings XXXX times then hangs up. does not leave a message. I checked the web. Says from XXXX XXXX. Then another site says a cell # from XXXX. I called the # back, they do not give any information To identify themselves. the recording says to hold for aprox XXXX minute they are attempting to collect a debt all conversations will be recorded. i will not call this # again its an uncomfortable feeling to be put on hold with a unidentified harassing caller. If i owe money to anyone i need a written statement with proof of debt by mail. No one should be crazy enough to pay anything by phone. So the harassing wakeup calls early in the morning are indeed harassment. I logged all the calls so XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX @ XXXX ... Help please.
I submit a previous complaint ( XXXX ), the company respond to you, but I 'm not agree with their answer. 
According to their letter they reclassified a deferred interest into a deferred principal without my authorization, and as far as I know is illegal to do any modifications to a mortgage without concert of the owner. 
I did a modification back in XXXX XXXX, XXXX with XXXX ( original lender ), the mortgage has been sold 3 times now. I have a letter from XXXX dated XXXX XXXX, XXXX XXXX 3 months after the modification ) where they say that my PMI was supposed to be removed back in XXXX/XXXX/XXXX where a XXXX XXXX XXXX took place. 
Now this company apply the deferred interest as part of my principal balance, raising the principal from XXXX  XXXX thru $ XXXX. They want to keep making additional XXXX a month in PMI. Every time that I request documents to them, they ca n't submit anything to me. I called at least XXXX times requesting the modification paperwork, every time they give me a 5 days to send me the paperwork. Never received anything from them. Very bad customer service, very rude people with their clients. Still waiting for the next day phone call from one of their supervisors in XXXX at XXXX ( XXXX XXXX XXXX. He was supposed to called next day to give me an explanation about my case. 
I need you help with this case. 
Thank you
I am the primary lender on this loan. Due to changes in my finances, it was necessary for me to make lower payments, as it was difficult and unaffordable. Fees and other charges were added on to my balance even when we made timely consecutive payments. Ever few months to a year, it seemed like I was being contacted by a different company for the same loan, and the balance was not reducing.
This company is reporting that Im late, I dont owe this company and they havent provided me any documentation to prove that this debt belongs to me. I have disputed this with the credit bureaus which this company havent provided any original signed contract or proof to them either I would like to have this account removed from my credit report ( s ) immediately. I have attached the credit XXXX letter that I sent to this company and as well the credit bureaus.
XXXX has discussed details of my account with a third party, whom I listed as a reference. They have gone as far as sending a billing statement to this individual addressed to their name.The payment stub had my name on it but was addressed to my reference, whom is not a co-signor of the loan nor are they my spouse. I understand the laws differ in regards to collection practices and what stage of collections an account might be at. I also am well aware of privacy policies and what was stated in the contract that I signed. Regardless of the verbage, in the contract, information about the account to anyoneother than the borrower, their spouse, or a co-signor is not permited. The law is what holds precedence. Please correct me if I 'm wrong.
I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.
My card was lost and used in XXXX at an ATM. I reported the card lost the next day when I realized it. I have had trouble getting help with this issue, mostly because their fraud operations are offshore and poorly trained. 

I now see that they have reversed the temporary credit stating that the funds were dispersed at the ATM. I NEVER received them ... whomever found my card must have been observing me unlock my cell phone and figured out my PIN # .. 

Please have someone that has authority and common sense help me with this issue. 

XXXX fraud dept STOPPED any charges from going through, a shame Citi is n't as  proactive.
There is 2 accounts that are reporting on my experian credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however experian keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my experian credit report over 2 months ago. Yesterday X/XX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with experian for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about experian because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.
This debt collection agency would not verify this debt advising it was a personal matter when requested detailed information, would not disclose via written communication nor by phone.
I was doing a thorough Credit Check via XXXX, which is something I 've decided I would do much more often. In the past, I would only use it to check my score, and that 's it. 
While looking around at the different reports, I noticed that TransUnion was reporting a XXXX name for me. I can not recall why this name would be reported under me, but it seems as if the reporting agency ( I can not figure out how to discern which agency reported my name wrong, or whether it is, in fact, fraud ) typed one letter of my name incorrectly. 
Whatever the reason might be, I 'd much prefer to have my name, and only my real legal name, to represent me in Credit Reports -- I do n't feel comfortable with another name out there that is n't mine that is attached to my liability.
I have an HSA that I was provided by my previous company XXXX XXXX. The HSA that I have a problem with is currently with " XXXX a division of Webster Bank N.A, member FDIC '' Now that have departed from my company, this bank wants to charge me a monthly fee to keep my account. So I used the funds and brought this account to a XXXX balance. I then called to close the account and I was told I couldnt do it, I need to complete a form and send it back. This process is so outdated its ridiculous, this bank allows me to login to my account with a finger print, but I can not close my account with a phone call or online?!?! 
Then I get the form via email today, they would like to charge me a fee of {$25.00} to close my account. When I asked the bank CSR what would happen if I did nothing, I was informed that I would continue to be charged fees even though my account is at {$0.00} I do not recall giving this bank permissions to put my account into an overdraft status so this is also concerning.
debt collector apparently purchased my file from XXXX threatened to turn me over to XXXX county where I reside. harassed a co worker by calling my work.
Report number XXXX states my name 's incorrectly as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. 
Incorrect telephone numbers such as, XXXX XXXX, XXXX XXXX. 
Incorrect employers such as XXXX XXXX, XXXX XXXX. 
Incorrect spouse name such as XXXX. 
Incorrect address for example, XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX XXXX XXXX XXXX, XXXX, PA. XXXX. 

My correct name is XXXX XXXX. 
My correct telephone number is XXXX. 
My correct employment is XXXX XXXX. 
My spouse name is XXXX XXXX XXXX XXXX. 
My correct previous address is, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, PA. XXXX
After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Last year I received a notice from XXXX XXXXXXXX XXXX on past due balance. I called them and asked what this was for. Although, there was a language barrier with the rep and she didn't seem to want to listen to me only wanted to collect the balance owed, I told them to please send all statements regarding this account and contract with my signature that I signed an agreement for this account. They informed me that it was opened on line. I told her by allowing someone to open an account on line without my permission and not verify with me, this was not a valid debt. I never received anything from them, no notices and or calls so therefore I thought they handled the matter in question. When reviewing my annual credit report, I noticed XXXX XXXX charged off the balance and placed derogatory information on my credit report as well as sold the debt to XXXX XXXX XXXX and they inserted a collection account, without validating and without notifying me. I disputed the accounts with XXXX and the result was the debt was validated. It was only validated because they had my personal information without my consent, but did not validate any of the information with me. I contacted my State of Michigan attorney generals office and they informed me that XXXX XXXX XXXX is also dba Resurgent Capital Services. Neither company has a license in the State of Michigan to collect in the State of Michigan. Collection Agents/companies must be licensed in the State of Michigan to pursue a collections.
I submitted request to have my information updated on several occasions but my information has not been properly updated, when i check my credit report my name isn't updated, previous employer i no longer work for is still being reported, my date of Birth is not accurate. General report from this Bureau has not been updated in a long time as done by other Bureaus on a monthly basis. Below is the full request i submitted and an uploaded document of how my personal information looks when i check my report. Lastly i submitted all requested documentation to prove that my request was valid but yet no satisfactory change were made. 


Date : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX To Whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX  PA-XXXX XXXX XXXX. 

Please update my name to : XXXX XXXX XXXX XXXX. 

My only social security number is : XXXX. 

My only and correct date of birth is XXXX. 

MY only employer is : XXXX XXXX. 

I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses of my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. Driver License, SSN Card, and Proof of Residence
XX/XX/2014 I had financed a car for the first time in my life. I had XXXX kids at the time and had no car at all this was the only way of getting a car and Ive never purchased a car before, but I have an APR of 26.44 % that isnt good at all Im paying 5 times more then what the car is worth it had over 100,000 miles on it already and had been tooken to the shop 2-3 times after buying it within a year to a year and a half. When I had looked on XXXX XXXX XXXX at the time the car was only worth about {$4000.00} but we are paying {$26000.00} for it.
Per the Federal Service Desk Request and as it pertains to inaccurate public record information surrounding the address of XXXX XXXX XXXX XXXX, VA XXXX. This address is registered to XXXX XXXX XXXX and the only business that should be identified with this address is " XXXX XXXX by XXXX '' from XX/XX/XXXX-XX/XX/XXXX.
I have good relationship for over 1 years. I was a loyal card member never miss a payment. I notice fraud charges on my account and I notify Chase. Chase promtly took off my charges but then rebill it a month later on XXXX XXXX. Chase also closed my account. I do not know why a big bank like Chase would took those actions against customer while they lost their credit cards. Chase should not be advertise zero fraud, but when it happen they will close the account and let the customer deals with the balance.
I previously contacted Equifax about 2 closed medical accounts from XXXX XXXX. I received a letter saying the account was accurate and verified. This account is still reporting from the XXXX XXXX the original debtor, but it was placed in collections under XXXX XXXX XXXX so why are Equifax still reporting this inaccurate infomation? I've attached a copy of another bureau 's file that shows these accounts that were placed in collections, were investigated and removed from my file. Equifax has failed to notify me of how they conducted their investigation, who they spoke to verifying the information, the time and date of the investigation, and what company they contacted to validate this debt. Under the FCRA, All reported information by the bureau has to be ACCURATE. I have a problem with this bureau and only this bureau, especially after constantly staying in the media for security breaches. How is their investigation into this matter accurate and the other bureaus resulted in removal of these negative items and a updated credit file. I would ask Equifax to respectfully remove these negative closed items, since I wasn't notified of any of the above actions that lead to a successful verification of this debt. Not validating info submitted to the bureau is unexceptable to the consumer 's rights to obtain a updated accurate credit file.I 'm trying to obtain good credit, and trust again into a once reputable credit bureau, but it seems the consumer has to fight a uphill battle for a rightful reasonable outcome.
Experian is listing an account as XXXX XXXX. The number they gave me to verify is not even to XXXX XXXX. The information that they are reporting is incorrect yet they refuse to remove it. XXXX re-investigated my dispute and it is listed as an account in good standing, paid as agreed with XXXX terms. I am attaching proof that Experian is not validating or verifying the account with the correct vendor. They are liars and have continued to keep XXXX XXXX as a negative account even when the other two agencies a have either deleted it or updated it as paid as agreed and no late pays because it was never late. Now that I have the proof that I need if Experian does not delete the account I will be suing them and asking for the courts for a XXXX fine per the FCRA
THEY CONTINUE TO CALL AND LEAVE MESSAGES ON MY CELL PHONE SINCE XXXX XXXX THRU CURRENTLY. THEY CALL MULTIPLE TIMES A DAY DURING PEAK CELL HRS. WHEN ANSWERED THEY DID NOT ATTEMPT TO VERIFY I WAS THE CORRECT PERSON BEFORE DISCLOSING PHI.