WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted TransUnion on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the TU inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX  ) XXXX  XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX CH. XXXX BANKRUPTSY XXXX  FED COURT-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
We obtained a refinance of the mortgage on our home.The new mortgager was GMAC.The title company never paid off the original mortgage with XXXX and XXXX principles of XXXX Title ended up in prison.We were able to negotiate a settlement with GMAC so we did not have XXXX mortgages on the same property.Subsequently GMAC sold our released mortgage to Ocwen who then tried to forclose on the property.We avoided the foreclosure and reached a settlement with Ocwen because they ruined our credit after starting foreclosure proceedings XXXX separate times.The question is since GMAC no longer exists do we have any recourse against GMACXXXX for violating the terms of the confidential settlement agreement?
In XXXX of XXXX ; Due to financial hardship, I took out a loan from Illinois Lending. The original loan amount was for {$600.00}. I felt suckered into refinancing with them, because they offered or promised lower payments. They neglected to tell me about the high interest that would be tacked. Due to health issues, I defaulted for the first time in XX/XX/XXXX. Despite my contacting them and trying to work out a payment arrangement, they immediately sold my account to a collection agency. The collection agency has been overly aggressive by sending a letter to my job and calling me 3 times a day, 6 days a week. I am to understand that despite me paying {$50.00} XX/XX/XXXX, my balance is approximately {$1300.00}. They refuse to drop the illegally added interest or work with me in any reasonable form.
Card was open without my permission. Wrote letter to credit bureau and credit company. Within 31 days have not heard back.
My mortgage company XXXX sold my mortgage to Green Tree Servicing in XXXX. I was told that it would be seamless. Instead, I started receiving collection notices even though my payment was made to XXXX in XXXX from my auto-pay with my bank. Green Tree says they have not received the payment even though I have submitted the documents requested including my bank statement showing the loan amount deducted from my bank account on the scheduled day and the email from XXXX acknowledging receipt of this payment. A representative from XXXX also conference called a customer service representative named XXXX and reaffirmed my payment and the date the file was transferred to Green Tree. Also, I was originally told I could n't make my XXXX payment until the XXXX payment issue was resolved, so that payment was also outstanding. Finally on XXXX XXXX, the collection department urged me to make and accepted a payment for XXXX over the phone which is now showing as having paid my XXXX payment. Where is my money I paid in XXXX? Why is it taking so long to clear up a very easy situation. Please help me get the XXXX payment applied as it should have been by XXXX XXXX in this transition according to the information I received about the move to Green Tree Servicing.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013, XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have a private student loan debt with Navient. They have been calling after XXXX in my time zone.
Quicken Loans arbitrarily and with absolutely no notice on XXXX XXXX, 2016. At that time Quicken 's representative, XXXX XXXX XXXX, informed me via voicemail that my preapproved loan was being withdrawn with notice. XXXX XXXX stated that new TRID guidelines were forcing Quicken to withdraw all preapprovals and force borrowers to go through another round of the very painful process on re-applying. Why did they not do that back in XXXX? 

Given the insane profitability of their industry the most reasonable explanation is that they want to generate another round of fees. 

Quicken has damaged my credit score. I am now forced to apply elsewhere, with the resultant loss of credit score points because of the inquiries. The result is potential financial damages due to higher interest rates. 

Quicken has also put my corporate relocation benefits in jeopardy. QL is who XXXX relocation services referred me to. I am working under a deadline ... QL has forced me to start from the very beginning.
There is an unknown social security in my file and a lot of credit inquires for a car loan using this SS # and some of my information. It looks like a Dealer mixed up information and somehow tagged my account with this social security of another person- fraud? 
I have tried repeatedly to correct this and everyone says they can do nothing about it? 
the last four digits are XXXX and who is this?
I started to receive correspondence from National Recovery Agency for medical bills my ex-wife had acquired, I contacted National Recovery Agency to the matter, they claimed it was my responsibility, I gave the bills to my ex-wife and told her to take care of the matter, After that I never heard from National Recovery Agency again, on XXXX XXXX, 2015 I ordered my credit report and their were XXXX open collections from National Recovery Agency, again these are not my bills, thank you for any help in this matter
requested XXXX close XXXX XXXX XXXX, great effort required due to telephone conversations and language challenges, XXXX XXXX XXXX did not follow through closing the account because it was attached to an XXXX XXXX account or something like this, the reason they did not follow through is unclear, an additional charge was placed on the account afterward. The account was still open and we had to call again to close the account, again with great effort and insistence.
The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure XXXX date is XXXX XXXX, XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is XXXX XXXX XXXX Lender and they are a fictitious lender that was used by Countrywide XXXX Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.
Springleaf Financial contacted the HR Department at my job multiple times and disclosed to them that it was regarding a debt. They even asked the HR Department to hand deliver the message to me. Now I am facing losing my position in the company and possibly my job. In addition, they call my office and cell number around 4 to 8 times per day every day. I never intended to not pay my debt. Medical circumstances have complicated my financial situation due to a XXXX.
I was denied a loan modification from my bank. I was not given a detailed explanation over the phone by bank representative XXXX. Also I did not receive anything in the mail about my loan modification being denied. If I did not call in to ask I would have not known anything. XXXX said they have to mail me a letter because she could not see a denial letter in my file that she could have emailed to me.
I had a prior complaint ( XXXX ) with Capital One in which they agreed to update the reporting status of my account from Derogatory and Charge off to paid in full. I received a letter dated XX/XX/17 where they said they had notified credit bureaus of the update and to wait for changes to be processed. It is now over a year and a half later. I have called multiple times to have the issue resolved to no avail. I am requesting that Capital One Auto Finance do as they promised and reflect the account status properly.
Incorrect reporting of my status to the following credit bureau, XXXX, XXXX and XXXX. 

The status under federal law needs to be reported as Mortgage included in Bankruptcy. 

Bank of America XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for the XXXX District of Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # XXXX Bank of America needs to correct my account status as Mortgage included in Bankruptcy.
Hello, There are several items on my credit report that are fake and are listed multiple times, by a collection agency called NORTHEAST CREDIT & COLLECT. In 2010, my husband and I were hit by a drunk driver. Our medical bills were paid in the settlement, yet this company continues to illegally place these false items on my credit report and list each fake charge multiple times, in order to destroy my credit. This is in violation of FCRA laws. 

They have never contacted me prior to submitting this false information to XXXX and have been unable to produce any evidence as to the validity of these multiple charges. 

In 2010, my husband and I were hit by a drunk driver, yet all of our medical bills were paid in the settlement, by XXXX XXXX XXXX XXXX ( XXXX ) XXXX. Our representing attorney was XXXX XXXX. 

These charges that our now showing up on my credit report however are completely fake, with made up numbers. Each month I dispute them and each month they fall off ( because they are not real charges ), but the collection agency retaliates by relisting each charge multiple times, in violation of FCRA laws.
On XX/XX/18 a reservation was made for an event to be held by XXXX XXXX on XX/XX/XXXX and a deposit paid in the amount of {$2500.00} On XX/XX/XXXX the reservation was cancelled via writing and the company was informed. 

The company refused to cancel the reservation and started to threaten me. I called the Vice President and asked for reason for this kind of unprofessional behavior he also threatened me and said this was non cancellable. There was no such declaration made to me, specially since the event was over 30 days in the future .I informed AMEX immediately and they put a hold and reversed the charge. Yesterday AMEX informed me they had charged back the amount. I have not attended the event because AMEX told me this would be resolved. Now what should I do? XXXX XXXX has provided an unsigned agreement saying that the event is non cancellable but I have never seen this agreement nor signed it.
I've had a mortgage with Associated Bank since XX/XX/XXXX. The last two months, XX/XX/XXXX and XX/XX/XXXX, late fees have been applied to the loan despite paying the principal and interest portions before the grace period ending. I called Associated Bank on XX/XX/XXXX and XX/XX/XXXX in an attempt to find a solution to the same problem occurring again. They said I would be required to call every month to have someone manually reverse the late fee. I asked about calling less frequently and waive multiple fees at once.

The customer care representative said she was unsure if I could do that. I then went to my local branch and talked to the Assistant Manager, XX/XX/XXXX ( spelling? ) about the same issue in an attempt to find a solution. He told me they would no longer waive the late fee unless the full payment was made by the end of the grace period.

So, despite the practice of paying the principal and interest by the XXXX  of each month for the past 12 years, I am now being told Associated Bank will do that. It appears to be retaliation for contacting them in efforts to resolve them incorrectly applying late fees.

I believe XX/XX/XXXX. XX/XX/XXXX intentionally intimidated me and was uncooperative in an attempt to punish me for complaining.
I am filing this complaint EXPERIAN INFORMATION SERVICES LLC has ignored my request to provide me with the documents that their company has on file that was to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts in writing under Section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which can not be verified. that I have disputed. Please resolve this issue and matter as soon a humanly possible. Thank you so much, for your time.
Transunion received a complaint and dispute from me mailed XX/XX/2016 and a certified letter on XX/XX/2016 @ XXXX. I asked for investigation that claims that I filed bankruptcy and request them to provide proof of me filing bankruptcy. They sent me a letter back stating it has been verified. I have never filed bankruptcy and request proof bearing my signature and they have failed to provide me that information nor did they mark dispute in 30 days. Verifying they computer is not sufficient and I requested information stating I filed for bankruptcy which was never provided. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].
The most recent call was today at XXXX XXXX They have called me well over 90 times in about 4 months for somebody who doesn't even have this phone number and I've asked them not to call me back and they still do. They will call multiple times a day sometimes and they never leave a message. They are supposedly called M.R.S. associates and are in XXXX XXXX
There was an unauthorized transaction on my account with Walmart. I have notified the company paid the portion of the bill I am responsible but Walmart is still reporting unauthorized transactions to Ctedit Bureaus.
I have multiple loans with Navient that totaled more than {$50000.00}. I requested documentation on the loans in the past to determine if the balance is accurate. 
I did not receive the required details on each loan as requested. My loans have increased or skyrocketed in spite of me making timely payments monthly. 
I feel that my current balance is inaccurate even after paying off several of the student loans received.
To whom it may concern, I am writing a letter of dispute. I have included a copy of my drivers license and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 



I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 
You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 

XXXX Charge Off
According to my credit reports dated XXXX/XXXX/XXXX. XXXX XXXX XXXX has an account listed with all three credit bureaus with incomplete and or inaccurate information. They are all listing incomplete account number, all three have different account status listed. One shows with XXXX closed/current/paid last updated XXXX/XXXX/XXXX, another with Equifax closed/derogatory/placed for collection updated XXXX/XXXX/XXXX, and the other XXXX closed/delinquint updated XXXX/XXXX/XXXX. I have disputed this account and it does not show my dispute on the credit reports. Two have the same phonenumber and address for the company listed the other one shows a totally different address and contact number. My disputes came back as verified. How can they come back verified if they are all showing different statuses. 
Thank You for Your Time
I got an Amazon only store card on XX/XX/XXXX got a bill made a payment of XXXX XXXX XXXX During the month of XXXX charges were made to my XXXXXXXX XXXX Card which was on file by not the Primary card on the Amazon account. So both accounts were put on hold XXXX sent me a new card and amazon refunded the money to my card XX/XX/XXXX XX/XX/XXXX they charged a late fee excessive if the cards charges are in dispute I called them XXXX XXXX XXXX XXXX and XXXX XXXX and all they could say was pay over the phone I verified on XXXX XXXX my profile and how the information is inputted and comparing the information to online statements. I made the attempt to pay XXXX XX/XX/XXXX and it shows it went through online. I called again in XXXX XXXX cause more charges were added and all they could tell me was insufficient funds. So I called my bank and gathered the numbers and verified the account numbers I paid the bill of XXXX with XXXX XX/XX/XXXX and still have a bill of over XXXX They are bullying me and committing fraud
The loan was opened XX/XX/XXXX, I have NEVER made a payment on the loan. They falsified payments, stating that I had made a payments in XX/XX/XXXX, I am assuming the reasoning was to keep the account open longer therefore it is still listed on my credit report. The account should have went into collections in early XX/XX/XXXXand should be removed from my credit report within 7 years, however, because they falsified the payment history the account remains long past it's time. I have disputed this information with all three credit bureaus numerous times and XXXX keeps stating " dispute resolved, customer disagrees '' but they have not changed any status on payments or provided proof of payments.I have been fighting this false information for years and I am unsure what to do in order to get results and have the correct information reported. Also, the loans ( 3 ) were sold to another company and I have agreements with that company. I am not trying to escape paying my debt I just don't understand how they can report incorrect information and refuse to fix it, and after selling the loan ( that account is also on my credit report currently in good standing ) I would just like this issue removed if possible, or corrected so that it will expire within the year.
I was one of the many that opened a Savings & Checking Account with Wells Fargo in Colorado and told the credit card was the only way I could get cash from my accounts through their ATM. Fast forward to a new issue ; I opened a Roth IRA with Wells Fargo in XXXX, CO in XXXX. I was told this was a safe and secure account to earn interest and increase the savings as any IRA but not too aggressive to lose money. The account has earned next to nothing since inception. After requesting more information on what this account was actually invested in, and not getting answers, I requested a transfer form to move the account to another financial institution. This started in XXXX, XXXX and I have sent multiple emails, phone requests and in person banking requests and to date have not received the form. On XXXX XXXX, XXXX I received a letter from XXXX XXXX and another letter from XXXX XXXX stating they would 'investigate my concerns ' and get back to me in 10 days. To date they have not sent the form. My complaint is to find why my Roth IRA did not earn interest in almost 10 years. And, to receive the correct form from Wells Fargo to transfer my Roth IRA to my new financial institution. Thank you.
They reported something into collections in XX/XX/XXXX that was paid off years ago. I even called the debtor and they said there was a mistake, that I had overpaid and the collection would be removed. They mailed me a letter confirming I had overpaid and there was nothing due. But the damage was already done, my score dropped over 100 points and five months later the collection is still on my report.
The mortgage broker XXXX XXXX XXXX XXXX # XXXX XXXX from OneTrust homes never disclose the interest rate to me. After she got back to me with high interest rate ... I told her I would like to change the plan for 7 arms she asked me to pay her money after I agree and got the letter and confirmation she decided to change the plan saying it 's not longer available.
I applied for Experian social security and credit protection. I submitted {$5.00} via debit card to Experian to allow XXXX XXXX XXXX XXXX XXXX XXXX ex XXXX ) to verify my credit score Experian told me that my account would be open foe 90 days until XXXX XXXX, 2016. XXXX XXXX of XXXX XXXX XXXX could not access the account to verify my credit score. Experian then told me to have XXXX call a number XXXX credit file services that never replied to XXXX. I then had a conference call with XXXX and Experian and the Experian person told both XXXX XXXX XXXX and myself that within next XXXX hours XXXX XXXX XXXX could submit request for verifying my credit score. Once again Experian rejected the credit verification. The remaining option is to pay Experian {$15.00} to fully release my account from being held hostage. IF THIS IS HAPPENING TO ME it could be very well happening to millions forcing the {$15.00} payment for release of account. If this is not a systems and procedural failure by Experian then it may be potentially something more serious worthy of investigation.
My mortgage servicer, SLS, has put insurance on my property since they claim I did not have coverage. My agent sent them information at least 3 times and no one at the company looked at the information nor notified me that they needed proof of other coverage. I had the condo association coverage sent to them. They wanted my personal coverage. I have always had coverage but by the time they finally said I had sent them the wrong information they had already put expensive coverage on my loan and started an escrow account. They want to charge me over {$1000.00} for coverage which has cost me only about {$200.00}. I called about this and the woman on the other end hung up. I think they do this as a total rip off to the customer. I am sure they earn a big commission on this very expensive policy which really does n't have much coverage for them. The main condo building policy is the most important which was sent to them 3 times.