WillisBack/dataset-financial-user-claim huggingface dataset:
My name is XXXX XXXX XXXX. My ssn is XXXX, address is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX on XX/XX/XXXX at XXXX XXXX CST, explaining that I was fully aware of the two separate glitches and that my inquiries were deleted and then re-added to my report once the glitch was discovered. XXXX refused to deleted the inquires that were made from XX/XX/XXXX. These inquiries add a hardship and that my rights were violated by TransUnion. I am asking that Consumer Financial Protection Bureau to help me make TransUnion stop victimizing me. I am asking as a resolution that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
I applied for financing at XXXX XXXX XXXX XXXX  store in XXXX XXXX, Louisiana in XX/XX/2018. I completed my purchase by paying my down payment and picking up my items. I paid early from XX/XX/2018 through XX/XX/2018 and Conn 's has been reporting that I've paid of -2 % of the financed amount. They have no payment history for me available whatsoever. Though the report states " good standing, '' the fact that my good consumer behaviour is not being reported negates that. Customer service is not aware of how to fix my issue.
I have been locked out of my home by Chase Home Finance. They had XXXX sheriff deputies attend and they had their charges to remove my belongings and put them out in the yard. Chase says they were acting on behalf of their investor, the Secretary of Housing and Urban Development ; the trustee deed they have had HUD 's name on it as grantee. This is new information as HUD has stated they have no interest in the home and they gave me a statement saying the balance was XXXX and the maturity date was the year XX/XX/2011. Chase is blaming HUD and HUD is saying there is no history of Chase being the lender. Chase now says they were the servicer as they assumed that role when XXXX merged with them, but who appointed them? Chase has caused my home to be advertised for {$1000.00}. So, who is responsible HUD or Chase? The lender, XXXX says that the loan is paid in full and there is nothing due or owing. Chase concedes now XXXX was the lender. How can the servicer now say that the lender can not release the deed of trust and that there is more money owed?
I was a victim of False Impersonation, and I am one of the agents for the company XXXX. Someone how several fraudulent accounts that appeared on my personal credit ended up on the company credit report as well as my personal home address. 
I have sent in a copy of my personal police report 3 times advising Equifax that the accounts were fraudulent and should not have appeared on the company credit report or my home address ... I was told my address and the account were removed in XX/XX/2014 to date, the same accounts are still present- nothing has been removed. 

I am requesting account numbers XXXX XXXX and XXXX be removed as well as address XXXX, XXXX CA XXXX
XX/XX/2016 the property at XXXX XXXX XXXX was forclosed on by ocwen and auctioned off, ocwen bought it back from themselves at the auction for the total amount owed, I have the lawyers papers from the auction. It's only wrong on XXXX and they or ocwen will not fix it. It's hurting my score an ability to buy. Thank you
I spoke with a representative from United States Senator XXXX office regarding credit errors on my credit report. I was informed by Senator XXXX 's representative that they spoke to Equifax representatives and they would review my credit report immediately and remove the unauthorized and fraudulent accounts listed on my Equifax credit report because the accounts do not belong to me. Review the letter from Senator XXXX 's office attached to this complaint.
I 've been trying to get this matter straight with XXXX XXXX XXXX on a utility bill that 's not mine. I requested proof that was mine, it is just a computer printout, my signature is not the invoice and the name is not how I use it. According to the fair credit reporting act, which I 've been researching it should n't be on my credit report. I 'm just tired of this company trying to take advantage of me, and TransUnion knows the laws and allows this illegal activity to continue
Approved for a loan modification with ocwen. All trial payments made on time. Ocwen failed to send out final paperwork to be signed within a reasonable time frame. Signed and sent back only to be told done incorrectly. Waited another unreasonable amount of time for second try at paperwork. Sent back and not accepted. Waiting for the third set of paperwork to be reviewed. At no time did ocwen offer to explain why paperwork was wrong. Incorrect or missing information on their website. Credit reporting during trial period was current. After trial period no information given for current payment to be made. Ability to pay online and on phone retracted. Payment statement slips no longer arrive at my home. No longer reporting current but 180 days plus late and " congratulations you have been approved for a modification '' removed from their website. While in modification process constantly receiving calls about collecting a debt and how we are in default and what are plans were. It 's like they are XXXX different companies. Very concerned that I will lose my home. They have not been straight forward with me. They have lied to me and deceived me. I have given up trying to talk to these people. My lawyer will handle from here on out ...
XXXX client, XXXX XXXX is a victim of identity theft. She received a notification that someone used her information without her consent to apply for an account with Chase Bank USA XX/XX/2018. An inquiry is being reported to XXXX, XXXX and XXXX credit bureaus. Shortly after she received another notice concerning an application submitted to XXXX, XXXX ( XXXX  ) the same date XX/XX/2018 that also resulted in an inquiry into her credit reports. Both banks were sent formal disputes of these actions XX/XX/2018 certified mail with return receipt. As of this date neither of these banks have replied with the outcome of the investigation which is a violation of the FCRA and my clients consumer rights.
XXXX XXXX XXXX, attorney for the law firm Weltman , Weinberg & Reis Co., L.P.A.disregards federal bankruptcy law and states that a consumers wife 's medical debt due to XXXX is questionable or fraud.
EQUIFAX HAS MERGED MY CREDIT REPORT WITH ANOTHER SOCIAL SECURITY NUMBER THAT IS NOT MINE I LEARNED OF THIS WHEN MY CREDIT WAS PULLED BY A MORTGAGE LENDER I HAVE CONTACTED EQUIFAX AND THEY DENY THIS BUT I HAVE THE REPORT THAT SHOWS. THEY WONT DO ANYTHING ABOUT IT AND ITS HURTING MY CREDIT STANDING AND SCORE. XXXX XXXX HAS ASKED FOR EQUIFAX TO REMOVE THE COLLECTION THE ONLY COLLECTION ACTUALLY REFLECTING UNDER MY SOCIAL ON MY REPORT FROM IT BECAUSE IT WAS A FRAUD ACCOUNT AND THEY HAVE FAILED TO DO SO.XXXX XXXX REQUESTED THE REMOVAL IN XX/XX/2018. THEY SENT A SECOND REMOVAL REQUEST THEY HAVE STILL FAILED TO REMOVE IT. 

I HAVE ALSO DISPUTED A AUTO ACCOUNT THATS REPORTING INACCURATE INFORMATION ON ALL THE BUREA XXXX XXXX XXXX XXXX   HAS NOT REMOVED THE ACCOUNT FROM MY REPORT.
My neighbor is constantly getting phone calls from XXXX stone collection agency and telling my neighbor of my unpaid debt. In addition to harassing this neighbor with embarrassing phone calls, they are disclosing my personal information such as a collection account. I refer to the following : THE XXXX FAIR DEBT COLLECTION PRACTICES ACT AND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.
Several times in XXXX, I was denied when I was trying to cash a payroll check. On XX/XX/XXXX I requested a Consumer File Disclosure Report from Certigy Check Services, to see why my attempts might have been denied. This report was prepared on XX/XX/XXXX, and I received it on XX/XX/XXXX. The report they sent me had the list of denied checks, but was missing the payments successfully made at XXXX 's ; based on the denial message, it seems that these missing payments contributed to the denial of my check cashing. On XX/XX/XXXX, I contacted Certigy to correct these errors. On XX/XX/XXXX, they prepared a letter saying that they determined that the information is accurate and complete as reported. I received this letter approximately XX/XX/XXXX. On XX/XX/XXXX, I called them to remind that I provided them receipts of these payments, and asking them what proof they needed in order to enter these transactions into their system ; I was told that I would be called back with this information. On XX/XX/XXXX, I received a call from a representative named XXXX, who acknowledged that the omissions might be due to transmission errors, and told me that Certigy has no mechanism of correcting an omission on the report.
My credit score has drastically been reduced, because of information credit reporting agencies entered on my report based on disputed accounts. If certain acounts are being disputed and nothing finalized as to liability, how can they put such information on my credit? 
Credit reporting agencies have to clean up those disputed accounts from my report and straighten the records.
People keep calling saying they are from a law firm and they say they are going to prosecute me for theft by misrepresentation if I dont pay them but they will not provide documents or proof of the claim. They keep threatening to come to my job and serve my boss. They say its for ace cash. I did use ace cash about 4-5 years ago but I payed it in full. I feel this is either a scam or not lawful. Thanks Here is the number that they called from today. 
XXXX
Since XXXX I have applied for a modification. I have been asked for my paperwork over and over again and then some more. Then asked again for the same documents. All the while threatening me with a sale date which is contrary to federal and state law.. I am a nervous wreck
i sent a western union on XXXX-2017, i received call from receiver money was refunded, it was sent to XXXX to pay for hotel, tracking # XXXX, i called western union they say it was refunded, i will pick it up tomorrow, i like to know why was money refunded, because i sent money before with no problems, my name XXXX XXXX, email XXXXXXXXXXXX
On or about XXXX I sent Transunion a request to remove a dismissed Bankruptcy they did remove the inaccurate Dismissed Bankruptcy that was reporting to my credit. They then added it back with out notification. This Bankruptcy reads a XXXX $ balance and dismissed.
My complaint is with Hyundai Finance. I had leased a XXXX XXXX XXXX from XXXX XXXX and turned it back in to them in XXXX, XXXX. Hyundai finance continued to bill me for the payments and turned me into a collection agency afterwards. After contacting both the dealership and the finance company where they both admitted their mistake, my credit score has not been corrected. It went from XXXX down to XXXX. I 've always had excellent credit and pride myself in that! Please help me solve this.
XXXX XXXX XXXX  has totally let the breach of XXXX totally cra violation and ftc XXXX  my report up enclosed are the violatons XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX  NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XX/XX/XXXX{$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$750.00} {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX
After months of trying to determine why my escrow went up after my property value declined. I discovered that I was erroneously charged ~ {$1100.00} for liability insurance when I already have liability insurance through my XXXX XXXX. I faxed copies of the master policy months ago and never heard back. I did call to check but no XXXX in their customer service department speaks XXXX as a first language. Therefore no one understood my complex questions and I got frustrated and moved on. Then months later, after finally emailing the Ombudsman, I am sent all the documentation regarding my account and see this insurance premium that I did not authorize. I called the next day I was told by a XXXX speaker on the phone that a copy of the policy must come from the Insurance Company which is totally untrue. A valid copy of the policy is a valid copy of the policy. I did not have these issues when XXXX XXXX XXXX was my lien holder. They accepted all the documentation I submitted. 

I again faxed copies of all the insurance policies for the past three years, uploaded them to the website ( I was told to do this on the phone from a manager but honestly there was nowhere to do this except for the section marked for refinance applications ) and sent copies to the Ombudsman via email. On the phone, I dealt with a rep and a manager, XXXX of whom did not understand my questions and insisted on reading from a script, which meant that none of the responses matched my questions. I repeatedly asked for a timeline for a refund and was finally told that my account would be " credited '' if after XXXX14 business days, they find the policy to be valid. I would then need to contact another office to have the credit processed into a refund. I am extremely concerned that I will never receive my refund despite the fact that it was their clerical error that they lost or did receive but did n't accept ( the story kept changing ) copies of my liability insurance policy. None of these issues were communicated to me after receiving the initial request for a copy of my policy. The fact that I can not intelligently speak to someone on the phone regarding my problem is also a huge issue. 

I can not wait for the day until my mortgage is sold again away from this terrible company.
Applied for and was approved on XXXX XXXX for a Citigold Checking Account using the promotion code XXXX. This promotion included XXXX XXXX XXXX miles to be granted upon completing {$1000.00} in debit card purchases and XXXX bill payments within XXXX months of the account opening. I completed these stipulations on XXXX XXXX 2016. When I had opened the account I called to confirm the promotion was attached and that after I met the minimum requirements I would receive my XXXX XXXX miles, which was confirmed over the phone. I sent a message to confirm that I would be receiving the miles and was told that because I was n't targeted directly for the account they would not be honoring the initial promise. I tried a second time resolve this matter and was again told they would not be honoring their promotion.
A letter was sent to me dated XX/XX/2016 from First Step Group stating that they want to settle on an outstanding debt. There are XXXX issues XXXX the account number they report is XXXX I never had, and to, I have ten years worth of documentation including credit reports that prove that account number does not exist.
Good Morning dear CFPB I am writing about my card with citibank credit card that i had since XXXX. 

Citibank closed my account for no reason because the reason they giving me its does not make sense. They are saying o used my card rapidly which i paid off later and other inaccurate reason they are giving me, I have used my card based on my credit card agreement never went over limit never abuse my card and i have great credit rating based on XXXX, XXXX and XXXX XXXX. Low credit usage and exceptional credit. 



Closer of this account both business and personal will have really huge negative effect because it will show closed by credit grantor and my other creditors will follow same route please assist me to review and reopen my accounts Citi Costco : XXXX XXXX XXXX XXXX Citi Thank : XXXX XXXX XXXX XXXX Thank you very much
After getting behind on payments to  Navient  2 years ago, I agreed to a program for automatic payment withdrawal from my checking account, beginning on or around  XX/XX/XXXX . However, Navient attempted to make the first withdrawal 2 days before the agreed upon date. Before I was able to make a planned deposit, Navient had attempted the withdrawal at least 5 times, accruing NSF charges to my account each time. This action had a ripple effect, resulting in additional NSF charges accrued, as well as late and penalty charges, from other creditors. When I finally discovered the damage caused by authorizing the  Navient  withdrawal, I immediately cancelled that authorization.  <P/> Because of extended periods of spotty employment due to a weak economy, my cash flow has also been weak, so the damage done by  Navient  was a major setback to my finances. While I managed to make an occasional token payment in subsequent months, it took until early  XX/XX/XXXX before I was able to start making steady student loan payments again, which I have managed to do online pretty much to this da y, i.e.  WITHOUT automatic withdrawals.  <P/> However,  Navient  has continued to aggressively pursue a past due amount of {$1100.00}, most of which is a result of the setback to my finances originally caused by Navient. In repeated calls from their collections department, they would first attempt to collect the past due amount. When I would state that I was unable to do that, they would say my only recourse would be to agree to the automatic withdrawal program again, which I am still unwilling to do for obvious reasons. After a few months of answering these calls and repeating the same script, I decided to not waste any more time with them and just keep making my payments on time, as I had been doing for well over a year.  <P/> In recent months Navient has stepped up their tactics to the point of harassment, and worse. O n 2  separate occasions,  XX/XX/XXXX  and  XX/XX/XXXX , they contacted  2  of my professional colleagues to say I had put them down as a reference or a contact for a delinquent student loan. This is a lie. Also on  XX/XX/XXXX  my daughter was contacted about this loan, although she is no way mentioned in any of my loan documents.   arly last month I received a letter from the  Vice President fo r  XXXX   XXXX , informing me that if the delinquency was not resolved in 30 days my account would put under review for litigation.
XX/XX/XXXX Dear Sir or Madam. 

I am XXXX XXXX. I suffer with XXXX   XXXX XXXX. I have a daughter with XXXX. My husband XXXX on XX/XX/XXXX. I bought a car through chase auto financing in XXXX when my husband was living on XX/XX/XXXX. When my husband was living, I could afford the payments. I tried to refinance in XXXX and I was turned down. When I purchased the vehicle my credit score was XXXX or better. I recently tried to refinance in XX/XX/XXXX and they turned me down again. My credit score is higher and I have a 100 % payment history with them. I can't afford these payments of {$410.00} a month. I don't know what to do except to write to you all to please help me because Chase would rather me loose the vehicle and mess my credit up than to work with me on my notes. I had to take out a loan to pay them for the month of XX/XX/XXXX. My life is so much harder and I don't know where to turn. Me and my daughter is all alone in this world without any help since my husband died. Please help me because I am so confused and so stressed out. 

Sincerely, XXXX XXXX
I applied for assistance in saving my home with Nationstar Mortgage. Nationstar is now evading/refusing to review my loan for assistance stating that I needed to correct what I wrote on my application for my retirement income. I also hired an attorney to help me with the process and my attorney states Nationstar can not evade reviewing me for assistance over one number written on my application that is {$30.00} off from the actual income I receive. My attorney has submitted everything they need to review me for assistance and then called Nationstar and Nationstar is demanding I fill out another entirely new RMA and correct one number I estimated on the original application and was off by {$30.00}.
XXXX XXXX XXXX We are filling a complaint about PNC Mortgage. 
We have been trying to get our PMI cancelled for about 2 years. 
I believe that PNC is in violation of the The Homeowners Protection Act of XX/XX/XXXX. 
The value of our house has reached the XXXX % threshold for automatic termination a long time ago. 
PNC refuses to do so. We have never received a schedule for our PMI to be cancelled. 
I have written numerous letters to them, most with no response at all. 
However the final straw was last month ( XXXX XXXX ) when we had our house appraised. Our appraisal was done by a certified Washington State appraiser ( I have attached the summary ). Our house was appraised at {$210000.00}. We owe {$120000.00}. PNC will not accept this appraisal and again refuses to cancel our PMI. I believe this is a violation of the The Homeowners Protection Act of XX/XX/XXXX. 

We request that our PMI insurance be cancelled according to the The Homeowners Protection Act of XX/XX/XXXX. 
If you can help in any way it would be greatly appreciated. 
Please let us know how we can proceed to have our PMI cancelled. 
Thank you
XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX. ARE FELONY RICO CRIMINALS, SO NOW XXXX XXXX SELLS MY INFORMATION TO ANOTHER CREEP THAT CAN NOT PROVE ANYTHING, WHERES THE MINUS SIGN THAT WOULD SHOW A NEGATIVE BALANCE, YOU XXXX XXXX ARE SO XXXX, THERES SUPPOSED TO BE A MINUS SIGN IN FRONT OF THE NUMBER YOU XXXX XXXX, furthermore i will swear under oath by penalty of perjury there is no debt, are you willing to do the same? in other words if the two criminals mentioned above are able to swear by oath under penalty of perjury this debt is valid and sign thier name to the affidavit i will pay them the full amount, they cant do it and WONT DO IT BECAUSE THIS IS ALL A SHOW, ITS PRESUMPTIONS AND LIES AND DECEPTION, THERES NOT EVEN A SIGNATURE FROM THE CLAIMANT, YOU GOT TA BE KIDDIN ME YOU XXXX XXXX XXXX
I keep getting harassed by Navient about student loans from XXXX XXXX XXXX who did some shady buisness to begin with cause their education sucked and I was never able to get a job because of them if it keeps I will sue XXXX XXXX XXXX and Navient for everything they are worth because they have already tried to damage my credit.
I use Navy Federal Credit Union. They claim to offer fraud protection and to monitor accounts. I rarely use my debit card and pay for most things by my credit card. They have had excellent monitoring of my credit card. I was planning a trip XXXX and notified them of my travel dates. While XXXX, I kept my debit card in an XXXX blocking sleeve and used it only three times. Although my debit card was never stolen, there were somehow ATM withdrawals from my checking account outside of my travel dates. These amounts totaled to over {$4000.00} in withdrawals I did not authorize. When I contacted my bank to report the fraud, they rejected my claim. They stated that since I used the mobile application, I should have noticed the fraud earlier. The investigator, XXXX, refused to speak to me.
as of XX/XX/2018, XXXX  XXXX XXXX XXXX has a charge off of XXXX dollars. I voluntarily return the vehicle and the Finance company ( XXXX XXXX XXXX XXXX ) did not appropriately and correctly process the return of the vehicle properly. I was not notified as to the status of the vehicle or my account, other than the full balance was charge off. I have not vehicle and I am still being responsible for that loan, which is unfair practices on behalf of XXXX XXXX XXXX XXXX.
I had informed CBE with each call that the person who they were calling was not at that number but they failed to update their records. The calls were approximately once a week and very disruptive. Their auto-dialing tactics should be prevented from these harassing phone calls when they have incorrect information.