WillisBack/dataset-financial-user-claim huggingface dataset:
I sent mailed exquifax a multiple inquiry letter on   X/XX/2017     by certified mail in regards to several inquiries that were being reported on my credit file they recieved it on   X/XX/2017     the request included  XXXX  inquiries that were not factual and I received the same response for all inquiries which stated " inquiries are a factual record of file access '' if you believe this was unauthorized please contact the creditor.according to the fcra rules, Fcra 623 ( b ) (  2  ) and 611 ( a ) (  1  ), it states that any information can be disputed no must be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its file. The fact that I received a response  X  days after they got the information I disputed, one can assume that there was no investigation into this matter. I plan on buying a home in the near future and this many inquiries show a sign of financial trouble when this is not the case. I am sending this complaint due to the lack of investigation into my previous several disputes for the same reason which were my hard inquiries and got the same answer every time within a few days. I never signed anything authorizing anyone to run my credit at all this is unfair practice by a credit reporting agency with no concern for the credit worthiness of a consumer
I am writing to dispute the following information in my file. I recently received a copy of my EQUIFAX credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. Under the Fair Credit Reporting Ac t, 15 U.S.C. 1681g I  have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required und er Section 611 ( a ) ( 5 ) (   A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FC RA 15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.   Please provide me with a copy of an updated and corrected credit report showing these items removed.   The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Orde r The following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I have been trying for about two months to access my credit freeze account at freeze.transunion.com. I need access to my account so I can unfreeze my credit. 

I have an account and it recognizes my password and shows my proper mailing address but after I continue logging in I get an error message saying that there are technical difficulties. 

I have tried over and over at different times of day for months ; their web site just seems to be completely broken.
Dates : I was supposed to get the reward points by XXXX 2017 Amounts : XXXX reward points Actions : I have contacted the company ( American Express ) several time via Live chat, The representative admitted that I am eligible for the offer and filed a case. 
There was no answer after the 8 weeks of investigation that they promised. 
I've contacted them again but they was just asking my understanding. 

I have a copy of the live chatting transaction which can prove above facts.
XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SC XXXX
I ordered some items from the XXXX XXXX catalogue never received the items I ordered contacted XXXX XXXX letting them know I never received the items then in found they reported it on my credit reports they told me they would take care of it and never did
On XX/XX/XXXX, XXXX XXXX XXXX  submitted a derogatory mark against my credit claiming that they were collecting a debt from XXXX from a hospital. I contacted XXXX, and they were unable to give me any details about the debt including why they had not contacted me prior to submitting my information to the credit bureaus. I contacted the hospital who informed me that they would not have submitted any collection to XXXX XXXX XXXX  and that the debt had been paid. The hospital then emailed me a copy of the paid in full report. XXXX will not receive my calls ( they continually drop the call ) as I have tried to contact them to provide the proof of payment. I have emailed the proof to them and have received no response. I have mailed proof to them with no response.
My wife and I recently refinanced and paid off our Wells Fargo mortgage loan. We paid our own insurance and taxes and no escrow was ever opened under our Wells mortgage. According to Wells ' XXXX/XXXX/15 payoff quote, the total amount due through XX/XX/XXXX was {$370000.00}. Also per the payoff quote, for each additional day, per diem interest of {$33.00} was required. Our transaction closed on XX/XX/XXXX, but on a refi there is a mandatory 3-day rescission period ( excluding Sundays ) before funding can take place. So the funding date for the loan was XXXX. XXXX XXXX added 7 days of per diem interest to the payoff, which made it good through XX/XX/XXXX ( {$33.00} x XXXX = {$230.00} + {$370000.00} = {$370000.00} ). The wire confirmation I have obtained from the title company reflects that {$370000.00} landed in Wells ' account on XX/XX/XXXX. At this point, Wells owed me 1 day of per diem overage totaling {$33.00}. 

Also on XX/XX/XXXX, Wells accepted an automated monthly P & I payment of {$1700.00}. Because my loan had already paid off, Wells now owed me a total of {$1800.00} ( {$1700.00} + {$33.00} ). 

Bizarrely, on XXXX/XXXX/15, I received a " Notice of payoff shortage '' letter from Wells telling me I owed Wells {$47.00}. Because this appeared to be in error, I called Wells, and after getting bounced around to numerous representatives I finally spoke to someone who said Wells would open a " work order '' and that they would issue me a check in the correct amount. 

Perplexingly, Wells then sent me a check dated XXXX/XXXX/15 in the amount of {$1700.00}. After more calls and getting passed around to a bunch more representatives I was connected to a Wells representative named XXXX XXXX, who promised to look into all this and get back to me. I gave her my work number and asked her to reach me there during business hours. She did not call. I called her and left a message for her to call me at work. She called me back a few days later, during business hours, but at home. I left her several more messages. She called me at work, but after business hours. I left her several more messages asking her to call me at my work number, between XXXX and XXXX CT. 

I have n't heard back from XXXX and Wells still owes me {$80.00} ( {$1800.00} - {$1700.00} ).
As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.
I have had repeated trouble with Navient who I did not believe to be my legal and valid loan servicer. I 've been called on several occasions  in  XXXX  and  my questions as to which loans they held and how they received them were never answered as my loans are consolidated and reside with  XXXX  and the department of education. I 've been hung up on when asking to speak to a supervisor about this matter. They have even gone so far as aggressively calling and leaving personal account information with strangers asking for me at a coffeeshop near where I do volunteer work. It is not a place i have ever worked I have no idea how they decided to call said coffee shop, I assume because it shar es a street addre ss with a theatre where I volunteer. I do not have permanent nor part time employment and have not sinc e  XXXX . I co nsolidated all my student loans through  XXXX  and the Department of Education, and have them in deferment and in good standing with a income dependent payment plan in place starting in  XXXX   XXXX . I have documentation provided from Nelnet stating as such. Today I learned my entire joint tax refund filed by my husband and I has been claimed by Department of the Treasury via th e Dept. of Education C/o Navient for  defaulted student loans. When I log into Navient 's system It states " We currently have no loans in our records for you. If you feel this is in error, please call us so we can assist you. '' ( I have screen shots for documentation ) I have been under the impression that all my loans were successfully consolidated in    XXXX   an d in good standing so it comes as a shock to see  XXXX  loans dating t o  XXXX - XXXX  b eing called into question. I truly believe Navient has fraudulently concealed these loans or falsified their very existence which they claim have been in repayment since  XXXX  defaulting in   XXXX  (  I never received word of Navient 's existence until the late spring of   XXXX   ) from  XXXX  and the Dept of education when I consolidated my loans. The department of Education informed me they themseves did not know how or why Navient allegedly had these loans when I consolidated all loans i n  XXXX . I  believe the account was made default through fraud and misinformation. When I spoke to Navient they informed me repeatedly that I owed them the entirety of my student loan debt to them and that my loans had never been consolidated and were all due to them despite my factual evidence from  XXXX  and the Department of Education clearly stating otherwise. The sudden loss of this tax refund puts us in dire financial hardship as I do not have employment due to   XXXX   illness.
They will NOT send my payoff, they keep claiming they are faxing it and verify the fax #, every single time I call there is a different excuse, it takes 5 days, it takes 2 days, you sent the payoff request to the wrong fax number, can you verify the fax number, and now they say they have faxed it 3 times but don't have the times it was faxed. My attorney is holding my loan proceeds until they receive the payoff statement which never seems to come!
XXXX XXXX XXXX keeps reporting on a debt thats 8 yrs old and threatens to take me to court to sue me for that debt. The statue of limitations has passed, I 've disputed the debt, it was removed and then they reported it again and now it 's back on my credit reports.
As of XX/XX/XXXX, my equity position is greater than 22 %. 

My Mortgage Lender, Ocwen Loan Servicing LLC, has not released me from PMI, despite an XX/XX/XXXX written request for : a ) immediate termination of PMI, and b ) refund of PMI fees incurred since XX/XX/XXXX. 

In response to my letter of XX/XX/XXXX, Ocwen sent me a letter stating that PMI is " scheduled to auto termination ... on XX/XX/XXXX. '' Please note that per the amortization schedule ( provided by Ocwen ) PMI is scheduled to auto terminate on XX/XX/XXXX. However, I have purposefully overpaid my principle for the express purpose of PMI release.
We were contacted by a " Mediation Services '' threatening to sue for breach of contract on a debt I dont recognize that they claim I agreed to 8 years ago and have never heard about since. They threatened to extort legal fees and penalties if I did not agree to pay within 24 hours. When attempting to contact them about this unknown debt they refused to give any information on the debt collector, what the debt was for, and demanded a credit card number before they would send us an email or letter showing said things. We refused to provide the card number they threatened thousands of dollars in legal and court fees and threatened my wifes medical license for refusing to pay.
Experian reports 30 days delinquent account of XXXX XXXX XXXX. I never pay late the mortgage.
I have sent in numerous letters to experian to try to resolve a situation. I have on my credit report XXXX XXXX account. I have sent in letters requesting an investigation into this matter I don't believe an actual investigation was done since they keep reporting inaccurate balance amount. I have also contacted XXXX XXXX I haven't either gotten proper documentation that what they are reporting is accurate. This is inaccurate data.
Company : C/C Financial Corp. Merchants Preferred Lease-Purchase Services XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX This company charges 100 % interest!
Experian has failed to provide me with the information the company is using to verify the information that is being reported on my credit report is accurate. Experian has not responded to my request for information pertaining to the validity of the debt they are reporting to creditors on my behalf. Experian has placed a fraud alert on my report that I do not agree with or authorized. I have requested it removed in writing as well as per a telephone call yet the statement remains on my report despite my numerous efforts to have it removed. I have have sent numerous requests over the the past year for this company to provide only accurate information and I have been met with delay after delay and in many instances when I have sent request via mail I have received no response to my request or a response that has nothing to do with my specific request for specific information. Experian has indicated they have investigated the account and re-investigated it but has not provided me with any info on their investigation and has sent me a letter stating they will not re-investigate the information on my report,, but they have NOT sent me anything that supports their decision to have the account information on my report. I have sent the company a certified letter and a copy of the letter obtained directly from the bankruptcy court that indicates they have NOT provided them with the information they are reporting. EXPERIAN has failed to adhere to FCRA guidelines and provide me with the information requested in the time frame allotted per FCRA guidelines established via US government Some of the document numbers that I have sent in are # XXXX EXPERIAN IS ALSO REPORTING A FRAUD STATEMENT THAT i REQUESTED THEM NOT OT DUE THE FACT THAT IT CONTAINS PHONE NUMBERS THAT THE INDIVIDUALS THAT HAVE ACCESS TO MY IDENTITY ARE AWARE OF ... I DO NOT WANT THESE PHONE NUMBERS LISTED ON MY REPORT OR AS PART OF MY CREDIT STATEMENT. THIS IS NOT A STATEMENT FORM ME AND IT IS NOT ACCURATE AND I WANT THIS COMPANY TO CEASE AND DESIST USING THE STATEMENT AND STOP GIVING THE INFORMATION TO OTHER AGENCIES AS WELL.
My home is scheduled for foreclosure on XXXX XXXX, 2016, tomorrow, so not expecting that anything at this late date can be done, but it would be nice. I was told the only way to stop the foreclosure was to pay an amount to reinstate the mortgage. The problem with this is as of today, I have not been given the exact amount to reinstate and this has gone on for over a week! Citimotgage has not been able to give me the exact amount nor has the attorney handling the foreclosure, XXXX XXXX XXXX. How am I to get the money together from my XXXX and a relative to reinstate my mortgage and stop the foreclosure if you ca n't quote me the amount due! How is that fair and how am I being held accountable for this illusive amount. They have had me calling back and forth between the XXXX, wasting time and precious days needed to get funds from XXXX, papers have to be signed, a letter from CitiMortgage is needed to process the request, which takes a couple of days, needless to say I am highly upset!! They have on purpose, in my opinion, allowed this to drag out, so I could not do anything or get anything accomplished in time. I literally have some of the funds just sitting in my XXXX, waiting to be accessed, but I was n't allowed to move forward, because of the run around and the refusal by XXXX to write a letter stating they would be willing to take the amount I have, a partial payment, along with money from a relative. I was not allowed to speak to a home specialist, about my modification, because it was too close to the foreclosure date. not sure what can be done, but I think it is important that you know and others how I have been treated. My problems with CitiMortgage have been on going, previous case # XXXX, I have tried to get them to lower my payments so I could actually make payments on time, I feel they have price gauged me!! My payments have consistently gone up from XXXX, to XXXX, now it is at XXXX, I tried to include them in a bankruptcy case, but they wanted the XXXX monthly payment, plus another {$400.00} deducted from my paycheck, this is what I have been dealing with! I am at my wits end and it maybe time to move on, although I am literally being push out. My son is at the local high school, he is a junior I would at least like to be allowed to stay until the end of the school year. Please, help if you can?
I did not see a option for my complaint. There should be one for re aging old depts. Thats what portfolio recovery is illegally doing to me. My original dept with XXXX XXXX is well over 7 years but portfolio illegally re aged it to the year XXXX. They sent me a letter XXXX and i looked on my credit report and seen they illegally re aged the dept to XXXX. This is a clear violation of the ftc. I reported this to them but they dont care it seems I am just a XXXX citizen they feel they can prey on. Also my last 4 digits of my social security are XXXX. I could not enter it in the next step for some reason. Thank you for everything. God bless America
I have an obscene interest rate that I have on a XXXX credit card. Ive been paying down {$3400.00} for 10 years and its still maxed out. I pay {$100.00} a month.