WillisBack/dataset-financial-user-claim huggingface dataset:
Date : XX/XX/XXXX To Whom It May Concern, XXXX, XXXX  and Transunion are reporting inaccurate information on my credit file. They have failed to investigate and verify that these items are reporting correctly. Their action has hurt my ability to obtain new credit and this is very troublesome to me. I have been disputing with them since XX/XX/XXXX last year and they still have not corrected the errors and this is a direct violation of my rights under the FCRA! I have documented each letter that I sent to them and their responses that I can use in my defense. I am asking that the said accounts below be removed from my file immediately! 
Accounts Account Name : XXXX XXXX Reporting on XXXX and XXXX 1. Open date of XX/XX/XXXX is incorrect. 
2. Past Due Amount of {$720.00} is incorrect Account Name : XXXX   XXXX  XXXX XXXX XXXX  XXXX Reporting on XXXX, XXXX, and Transunion 1. Two different account names : XXXX  and XXXX  2. Account Status : 2 states Closed and 1 state open 3. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 4. Balance of {$100.00} incorrect Account Name : XXXX XXXX XXXX Reporting on XXXX, XXXX, and Transunion 1. Account Status : 2 states Closed and 1 state open 2. 2 Different Open dates : XX/XX/XXXX and XX/XX/XXXX 3. Balance of {$1200.00} incorrect
Payday loan is from XXXX, they have it reported as being opened in XXXX. Have made multiple attempts to contact them via certified mail but it is returned as undeliverable and they have since sold the debt to a 3rd party collector who is now adding on fees and interest to make a profit. Was advised by the BBB to contact the FTC to file a complaint as they have an open investigation due to the amount of consumer complains.
Early XXXX I was looking over my credit report when I saw an unidentified inquiry of {$290.00} that came from the Diversified Consultants Inc. When I look further into it was stated that the original lendor came from XXXX ; The collection agency stating that I had never fulfilled a past due balance with XXXX. However I knew that the what they were informing me of was false because early 2018 I switched my current plan over with XXXX to a pre-paid plain with XXXX. I wouldn't be able to switch over my current plan to a pre-paid plain with XXXX if I had such an outstanding balance with XXXX. I requested that this collection agency to provide me with proof of the original contract of me being obligated to pay such a balance and they failed to provide me with proof. When I spoke with one of the representatives from the collection agency his exact words were " we do not have to provide you with proof you would have to speak with XXXX to get access to about obtaining that information ''. Shortly after I spoke with him I filed indentity theft report with the Federal Trade Commission, I filed a police report at the XXXX police department where I spoke with officer XXXX badge # XXXX police report # XXXX, and I also mailed a general affidavit for them to provide me with an original copy of the contract which they still failed to provide me with the info I requested. which if I'm not mistaking goes against the fair credit reporting, Section 609 ( a ) ( 1 ) ( A ).
XXXX XXXX continues to attempt to collect a mortgage debt which was discharged in my bankruptcy several years ago. They have been told repeatedly that the debt was discharged, but do not stop trying to collect from me.
Alliance One ( XXXX caller ID ) repeatedly calls at all hours claiming that I have an alleged debt. The caller refuses to answer questions concerning this alleged debt ie : who this debt owed too, how much is it, when was it incurred, etc. The caller becomes verbally abusive and does not allow me to reply or ask for a verification of the debt. Usually after XXXX minutes the caller will angrily hang up.
I do not have a contract with Franklin Collection Service. I am not liable for this collection due to not having a signed contract with Franklin Collection Service. I am not responsible for this debt. Please remove from XXXX, XXXX and XXXX  credit reports.
My name is  XXXX   XXXX  an d BSI Financial has b een my loan servicers since  XXXX   XXXX , and they encouraged me to work with keep your home California, however keep your own California takes very long time to review my request for assistance and BSI keeps placing my home up for sale every month and it is very   XXXX   XXXX   XXXX   XXXX  . Since last year we 've requested loan modification from  BSI several times, however and they do not give such an option. This is the only home I have and my family lives here, but BSI only w ishes to sell it. I want to start paying for mortgage again, but they are asking for too high of price for a home that is only  XXXX  square feet.   We found a lot of fraud, especially with the   XXXX   company. You can look at the attachments and see what kind of fraud   XXXX   creates. They tried to sell my property illegally, they do n't have any right to sell my property on  XXXX   XXXX ,  XXXX .       XXXX   XXXX     XXXX  pdf See  attachment.
Misleading advertisement ( see attached ). The attached is misleading advertisement meant to get Veterans to call. There are no waiting periods based on the county in which you live through the Veterans ' VA Guarantee. Iconic Mortgage Corporation NMLS # XXXX is attempting to mislead you with this mailer.
When I bought my house in XXXX my lender was XXXX XXXX for {$60000.00} before I made my first payment my mortgage was sold to XXXX XXXX XXXX .I never got a certificate of satisfaction from XXXX . After a few yrs. I found out that XXXX was purchased by Wells Fargo Bank I tried again to get a certificate from Wells Fargo with no response. That was in XX/XX/XXXX and again I 'm at their mercy because I tried to get a loan and because XXXX is still on my deed i was rejected. In XX/XX/XXXX I paid my house off The final lender was XXXX XXXX XXXX Now that I got no more mortgage payments I would like to get this issue resolved with XXXX to get my title cleared.
Within the last few weeks I've been having a lot of issues with PNC Financial Institution. There have been three separate incidents that have caused me to think that this corporation may not be as reputable as I once thought. My first two issues were temporarily resolved however, this last transaction dispute that I've had with them is the absolute deal breaker. An ACH debit was processed in the amount of {$700.00} on XX/XX/2018 which caused my account to overdraw in the amount of $ XXXX. I was correctly accessed a {$36.00} fee, bringing the balance to XXXX. There were three separate deposits of {$240.00}, {$30.00} and {$2.00} were made on XX/XX/2018. There were then 5 other transactions that went through for a total amount of {$45.00}. Another deposit of {$450.00} was then transferred to the account. The deposit was made at XXXX eastern time which is in fact prior to PNC XXXX XXXX deadline for a deposit to avoid insufficient fees. At XXXX on XX/XX/2018 my account had {$0.00} available as a result of the deposits and transactions throughout the day. On XX/XX/2018 I was accessed two more {$36.00} fees. The {$450.00} deposit that was made on XX/XX/2018 was showing as pending. It has been told to me in the past that if the deposit is " pending '' it is still showing in your account which should prevent from receiving fees. I have reason to believe that PNC bank is scamming their consumers by adding inaccurate fees. Please see my attached documentation that which reflects the each transactions including the deposits. In addition, it has also been told to me by a PNC rep and branch manager that their system is reflects differently than that of which the consumer is able to see via their online or mobile banking. That is unethical because consumers are misled to believe that there accounts are in good standing only to be inundated with fees.
In XXXX XXXX XXXX, I closed on XXXX short sales in California. The closing negotiator of each banking institution ( there were XXXX lenders involved ), agreed to post the short sales on my credit reports to read : " paid/settled in full for less than the full balance. '' To my dismay, all XXXX credit reporting agencies did not adhere to the terms agreed upon, and listed my short sales as derogatory and delinquent on all three credit reports. I filed a congressional inquiry against all the banks, and won my case on XXXX XXXX, XXXX ( please see XXXX letter attached ). XXXX submitted their request to the credit reporting agencies to update my credit report immediately. Though all three credit reporting agencies updated my credit reports, the reports read as if the short sales took place in XXXX of XXXX and not XXXX of XXXX. So, the seven year period of adversity started ticking in XXXX, not in XXXX, FOUR years after the initial short sales closed. I followed up again with XXXX XXXX, Executive Response Specialist at XXXX, and she helped me rectify the issue, and the XXXX credit reporting agencies are supposed to correct the information. I ran XXXX of my free credit reports in XXXX of XXXX, but would like to follow up with all XXXX credit reporting agencies as I am interested in finding out the current status of my credit reports. Could you help me XXXX more copy of my latest credit reports from all XXXX reporting agencies, please? Thank you. Please note I moved to the following address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX
I filed a complaint regarding a creditor who placed an excessive amount on my credit for utility service. The city of XXXX provided me with a letter contradicting the creditor and stating it was done to over several other people. all three credit bureaus despite the letter, continue to keep this on my credit.
I paid XXXX on my Chase Freedom Card by accident about 6 months ago. I do my banking online and meant to pay my XXXX XXXX card. I did not use the other card at this time. 
When I discovered my error, I stopped in to the XXXX, MI Branch of Chase Bank and talked to an a man in the office. He looked up my account and said yes I see you have this credit on your Chase Freedom Account. 
I asked him to correct it and put the money in my checking account so I could pay XXXX XXXX. 
When I was in XXXX XXXX, MI, I went in to the Chase branch of the bank. This man at a desk said there was not a similar amount paid from my checking account to anybody. Therefore he said I did not pay it. It took me several calls and internet messages to get this credit removed from my Chase Freedom Card. 
Yes I want to file a complaint. I do n't know how this debit did not show in my checking account but I know I made this payment and know I meant to pay XXXX XXXX on which I had a balance because I was using this XXXX instead of my Chase Freedom. 
Now they have deducted this XXXX XXXX on my XXXX XXXX but say this was a bank error. In my XXXX years of banking, I have never had a credit posted to any credit account in my life. 
File a complaint in regards to credit card issues with chase, by going online to consumer finance.gov, phone by calling our contact center at XXXX or file complaint form which you can request by calling the contact center, or lastly by fax or mailed in letter if you choose to file by mail please have you letter include : - Name- Mailing Address- Phone Number- Company Name- Company Mailing Address- Account Number- Desired Resolution- Details of any communication you have had with the company about the issueAnd mail toConsumer Financial Protection BureauXXXX XXXX XXXX XXXX, Iowa XXXX
DISCLAIMER : This is NOT A DUPLICATE. This complaint is in response to Experian 's response on a recent complaint. Please see attachment. Accounts they're stating are " reporting accurately '' are still ILLEGALLY REPORTING on my credit report. Experian didn't even do their own investigation into these ; they're literally taking the creditors ' words for it! Please tell me how an XXXX  account that not only reports CONCURRENTLY as " OPEN '' and " CLOSED '' but also -- as a collection -- reports a " PAST DUE '' ( with XXXX ) is 'reporting accurately '. AND, I show you proof of it! You're literally looking at the proof, yet you come back saying 'xyz XXXX is accurate??? Okay. Please tell me how 3 RE-AGED ACCOUNTS are " reporting accurately ''. Please tell me how all of the disputed accounts have different and often missing dates for " account open '', " account closed '', " date of last activity '', " date of last payment '' etc. is " reporting accurately ''! All of the disputed accounts STILL REMAIN in my credit report when they are supposed to be DELETED. They all contain incorrect, conflicting info and violations. These are all grounds for accounts to be deleted! On top of all of this, Experian actually ignored my disputes, which is ANOTHER violation. I demand that these accounts be deleted immediately from my credit report. My ID and SS card are included in the attachment.
I sent Transunion a request to remove a dismissed bankruptcy on my credit file o XX/XX/2018 and they signed for it on XX/XX/2018 which I have proof of them receiving and signing for. I then sent a follow up letter on XX/XX/2018 requesting that they remove it due to not responding in the allotted time frame of 30 days and they sent a letter explaining the investigation procedures on XX/XX/2018. They violated the law FCRA and must by law remove this item.
XXXX  has listed my loans several times on my credit report a lot of the accounts have the same account number associated with them. I consolidated the loans so therefore the other loans should show as paid in full and the derogatory information should be removed. I have also received loan forgiveness for federal loans from  XXXX  University, yet  XXXX  refuses to deduct this amount from my outstanding loans. I filed a borrowers defense through t he Dept of Ed and tha t resulted in the loans being forgiven yet  XXXX  is saying I still owe them. I have called and spoke with people there to no avail.
Was unable to retrieve my annual credit report from Equifax online. The questions were deceiving and there were some where i could have chosen more than XXXX correct answer. I also had a copy of another credit reporting agency so i knew the answers were correct. My wife also tried to get hers and had the same problem. I also sent in via mail the documents to show and all i got was more letters stating to send in more of the same documents. this happened XXXX.
After XXXX breach, XXXX gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, XXXX and Experian ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.
XXXX XXXX XXXX # XXXX is listed on my credit report for transunion as a charge off. This account is illegal and invalid in the state of Florida as it violates the state of Floridas statutes. Ive disputed this and transunion has allowed them to illegally conduct collection activities that violates my state laws and my rights.
My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.
Used multiple, aggressive forms of communication. I have unsuccessfully tried to resolve the debt of a monthly payment of 5 % of the total debt and pay the full debt, rather than a lesser settlement. They stated they would either only accept 10 % of the total debt as a monthly payment, or half of the total debt in full. When I did not agree and questioned options, they stated they would rather keep my account in collections on their terms rather than accepting any form of payment from me. Not only unprofessional communication, but rude and aggressive threats of retaliation.
Attempted to send money to someone. Had to cancel the transfer. Received the cancellation notification and it indicated I would have the money back in 3-10 business days. It has been 12 business days and I have not received the money. 

When I contacted MoneyGram concerning this, they stated I needed to check with my bank after giving me conflicting information that I had to wait another 3-10 business days since it was not processed properly the first time. After contacting the bank, additional calls to MoneyGram indicated they have no good method of tracking the money on cancellations and are just quoting the date that I cancelled the transfer. 

When I requested to esculate this internally, I was hung up on repeatedly and was still unable to get a straight answer or my money back from them. 

I actually have cancelled XXXX transfers that were {$200.00} each on the same day and have not received back money from either one of the cancelled transfers..
I have been a XXXX XXXX Customer for about 13 years. During the course of those 13 years i have gone on 7 deployments. During the course of those deployments to XXXX and XXXX there have been times i have had no access to computers or a store location to pay. SCRA benefits have never been applied to my account during these times.
I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with XXXXXXXX XXXX XXXX not XXXX XXXX XXXX or Pressler & Pressler - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with XXXXXXXX XXXX XXXX and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought Pressler and Pressler for legal debt advice to come after me for a debt i don't owe them.
Making harassing telephone calls but will not disclose any information about the debt when requested. Would not verify debt origination by phone nor by written communication. Just stating a debt is owed.
I get a report of Having a J C Penney credit card who does n't belong to me but to my mother who pass away 2 years ago. I want this account to be closed and removed from my credits reports immediately. This account does n't belong to me please removed it.
My electric payment from XXXX XXXX posted on my account on XXXX XXXX,2017 for {$91.00} and some change and this payment showed clear after I made a transfer of {$130.00} from my second account that I have with Huntington which has my direct deposit. My XXXX XXXX was returned and I was charged two {$37.00} returned check fees. Huntington offers a 24 hour grace period but I was denied the grace because of an earlier complaint I made against them for discriminating against XXXX XXXX with regards to fees they charge them as oppose to their XXXX XXXX when it comes to them applying their 24 hour grace promotion. I have started an online petition with thousands of complaints and I will file a Class action lawsuit if all my fees are n't returned into my account within 30 days. They have misleading marketing when it comes to their 24 hour grace period because they pick and choose which ethnicity they extend that option to and it must STOP. .
I sent credit acceptance a debt validation letter ( letter attached ) asking for debt validation on XX/XX/XXXX. They received the debt validation letter on XX/XX/XXXX. On XX/XX/XXXX credit acceptance hired a repo company to seize my private automobile on my private property. I did not receive any notices in the mail from the repo company giving me rights to dispute the debt they was collecting on. I also did not receive any documents in the mail from credit acceptance saying the repo company was collecting on a debt and could arrive on my private property.Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I requested that they prove that I am indeed the interested party who is contractually obligated to pay this debt. While i was in dispute credit acceptance sent a repo company to seize my private automobile which is a violation and i highlighted on the debt validation letter attached to cease and desist until they provide proof of an alleged claim.They did not provide proof of their claim and I have attached the documents sent on XX/XX/XXXX ( letter attached ) which was after they seized my private automobile while in dispute. They did not send me copies of the original contract i asked for in the letter and did not provide A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract. Also they need to provide proof to the cfpb they are allowed to collect in my state.This company is in violation of FDCPA 805,806,807,808,809.
I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested XXXX times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan.
I have several hard inquires on my transunion credit report I have contacted transunion they stated I needed to contact each company individually and tell them which took hours and still I have a ton of inquires including new ones that I did not authorize that I want removed from my credit report as it is harming my report. 
I also have a collection account on my credit report that XXXX and XXXX have already removed and it is still on transunion account. I would also like for this collection account to be removed from my credit report. 
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this debt showed up on my credit report and i do not own this,, it is not my debts.please contact credit reporting company and have it removed.
RushCard has locked me out of my account for 10 days now and I have no access to my paycheck or student refund from my school. I am a single of XXXX and I am not even able to go to the store to by my XXXX old son formula. I am desperate and upset that I can not even take care of my children because of the technical glitch. I have called their customer service number over 100 times and have gotten hung up on, placed on hold for hours then hung up on, and told by their customer service agents that there is absolutely nothing they can do. Please help my family! I do n't know what else to do.