WillisBack/dataset-financial-user-claim huggingface dataset:
I have written dispute letters to XXXX, XXXX and XXXX and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.

All creditors have sent me letters they do not have any original documentation. But have not removed accounts from my credit reports
Dear Sirs/Madams : A " hard inquiry '' from a car dealer named XXXX XXXX has recently appeared on my record. I did not authorize this inquiry, I did not make any application to a XXXX XXXX for anything, and I do not intend to do any business with a XXXX XXXX. It is apparent that someone has hacked my personal information. Please have this hard inquiry deleted from my credit files. XXXX, XXXX/XXXX/2015 XXXX XXXX.
On or around XX/XX/2019, and entity created an account with Credit Karma, using my SSN and name, to gain access to my credit report/history. Then subsequently begin attempting to open credit card accouts with that information. 

I can not login to Credit Karma using my own SSN as a fraudulent account already exist with a fraudulent email address. Credit Karma has not fraud line or phone number of any kind for anybody. They handle ALL support related issue via one automated email account : support@creditkarma.com.  They are know to be very unresponsive via the portal of communication, weeks and months. For a credit reporting entity this is completely incomprehensible and downright negligent/incompentant. 

Timing is of the essence with ID Theft, at this point, this has a continueal portal to review my credit, my accouts, everything. And I seemingly have no recourse to resolve this with Credit Karma.
I made a lump sum payment to be spread equally between my loans, But only one of my loans has received the payment. I have accrued interest on the others and there for have been forced in to a payment reduction plan that adds 15 years on to my loan. I spoke to a naviant rep in 2017 about this matter. I have not heard back and he could not explain or fix my account.
1. XXXX, AS TRUSTEE FOR THE SPECIALTY UNDERWRITING AND RESIDENTIAL FINANCE TRUST MORTGAGE LOAN ASSET-BACKED CERTIFICATES SERIES XXXX filed its foreclosure action on XXXX XXXX, XXXX. 
2. A Final Judgment of Foreclosure was entered by the trial court on XXXX XXXX, XXXX. 
3. The Final Judgment of Foreclosure scheduled a mortgage foreclosure sale date for XXXX XXXX, XXXX. 
4. The Plaintiff and the Defendant, XXXX, entered into a Stipulation Agreement which was ratified and adopted by the Court on XXXX XXXX, XXXX. Pursuant to the Stipulation Agreement, the foreclosure sale was cancelled. 
5. Defendant, XXXX, filed for relief under Chapter XXXX of the United States Bankruptcy Code on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a number of payments to the Plaintiff on the subject mortgage during the pendency of her Chapter XXXX Bankruptcy Case. 
6. Case No. XXXX was dismissed on XXXX XXXX, XXXX. 
7. Defendant, XXXX, filed a second Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. Defendant, XXXX, made a series of payments to the Plaintiff on the subject property during the pendency of her second Chapter XXXX Bankruptcy Case. 
8. Defendant, XXXX, second Chapter XXXX Bankruptcy Case was dismissed on XXXX XXXX, XXXX. 
9. Defendant, XXXX, filed her third Chapter XXXX Bankruptcy Case on XXXX XXXX, XXXX, Case No. XXXX. 
10. During the pendency of her third Chapter XXXX Bankruptcy Case, Defendant, XXXX, sought modification of the mortgage that is the subject of this mortgage foreclosure action. 
11. On XXXX XXXX, XXXX, the Honorable XXXX, United States Bankruptcy Judge entered an Order Approving Second Amended Mortgage Modification. 
12. The Bankruptcy Court 's Order Approving Second Amended Mortgage Modification effectively ratified the Mortgage Modification Agreement between the parties resulting in a new mortgage obligation and agreement. XXXX 13. Plaintiff has scheduled a foreclosure sale date of XXXX XXXX, XXXX. 
14. The Court scheduled and conducted an evidentiary hearing to determine whether to cancel the scheduled foreclosure sale based upon compliance with the mortgage modification and whether to dismiss the case. 
15. The evidence and testimony presented at the evidentiary hearing clearly established that the borrower had complied with the payment terms of the modification agreement and that the servicer was refusing to honor the modification agreement because a signed copy was never returned to the servicer.
I recently was alerted that the XXXX governing the community ( XXXX ) my rental property is located in reported an open installment loan to Equifax for me. This open " Secured Loan '' shows a fixed rate and that it was opened on XXXX 2016. I have not authorized the XXXX or any authorized party to open a loan under my name nor have I been made aware that any XXXX related amounts would be reported to any credit bureau. I would like this information removed from my credit report.
Due to the many changes and inaccuracies that are constantly being reported onto my credit report after a supposedly " investigation '' Transunion is not complying with the FCRA. I have filed several disputes to resolve this issue and yet nothing has been done. Transunion sent to myself what was supposed to be a updated/corrected credit report dated XX/XX/XXXX File # XXXX from my last dispute. This credit report has several errors on it once again. Transunion is reporting that my 2 XXXX accounts that were TRANSFERRED/SOLD on XX/XX/XXXX to XXXX XXXX XXXX XXXX has a CURRENT PAY STATUS of 120 DAYS PAST DUE DATE. These 2 TRANSFERRED/SOLD XXXX accounts has a {$0.00} BALANCE. Transunion how are you reporting on a TRANSFERRED/SOLD account with a {$0.00} BALANCE AFTER the date it was sold on XX/XX/XXXX to have a CURRENT PAY STATUS of 120 DAYS PAST THE DUE DATE? This is inaccurate and this is a violation of my rights. Yes I do know and understand that my PAST PAYMENT HISTORY section would still reflect those payments that may have been delinquent up until the dates these accounts were sold. FCRA states you are to stop reporting payment info on an account after it is sold. Transunion is still reporting as if my TRANSFERRED/SOLD with a {$0.00} balance account has a CURRENT PAY STATUS of 120 days past due date. I REQUEST that Transunion update and correctly report my PAY STATUS as TRANSFERRED/SOLD instead of only trying to include that it was TRANSFERRED/SOLD into the REMARK SECTION. The info that is being reported incorrectly by Transunion is showing on my FICO credit reports as CURRENT STATUS OF 120 days LATE instead of it stating that it has been TRANSFERRED/SOLD and It is also showing that my XXXX XXXX XXXX XXXX accounts are reporting as LATE which should show as PAID. This tells that that Transunion is reporting what they want to report and what instead of what is right. Transunion you are also reporting under the payment history that my XXXX XXXX XXXX XXXX accounts were in COLLECTION during the months XX/XX/XXXX through XX/XX/XXXX. XXXX XXXX XXXX XXXX did not have these accounts during those dates. XXXX TRANSFERRED/SOLD those accounts to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I am requesting that you update and correct my payment history for my PAID XXXX XXXX XXXX XXXX accounts for those months that I stated earlier. I repeat XXXX XXXX XXXX XXXX DID NOT have those accounts until XX/XX/XXXX. So there should not be any payment history anytime before that under XXXX XXXX XXXX XXXX payment history. Once again you are violating my rights. My Fico scores are not accurate due to the inaccuracies that is being reporting by Transunion. I HAVE ATTACHED THE CREDIT REPORT FROM TRANSUNION SHOWING THE INACCURACIES AND I HAVE ATTCHED COPIES FROM MY FICO CREDIT REPORT. Transunion seems to think that they do not have to comply with the FCRA and is toying with the CFPB authority by stating that they will complete and investigation but instead is not doing anything at all but causing more and more problems for myself.
There is an unauthorized hard inquiry on my credit report on XX/XX/2017 from XXXX/National Credit Cards/Airlines. When I called the number to dispute it, they were very rude and said they would not remove it. I could not get it removed from XXXX, as they said I had to call XXXX XXXX. I was stuck in a circle.
I have no idea why these people keep calling me. I have no debt and they will not stop harassing me and countless others! Please do something about it!
The reason I am complaining to day is because I went to XXXX XXXX union to close on a loan and when they went to establish membership for me and got a copy of my chexsystems file they denied me based on information that they received from Chexsystems. XXXX is saying that there is an account with XXXX XXXX reporting a {$52.00} charge off. I have never conducted business with this company and I called them to verify with my social if they have me in there system? and they had no record of any account with my social. I contacted the chex systems phone number and gave the representative my information and he was able to pull up my file but found no record of any account reporting a charge off in my name. The bank is requesting a letter from chex systems stating that their are no negative charge offs showing on my report. Chex systems is telling me they will be mailing me my file but this is not going to help me as I am on a time limit in approval for this loan that I have been approved. My father and my brother carry the same name and I am afraid that my information might be getting mixed when financial institutions pull my file. This needs to be addressed with chexsystems.
On  X/XX/17    i was enticed to obtain a  XXXX   XXXX . Store credit card which turns out to be issued by Comenity Bank acct number  XXXX . At that time I charged {$24.00} on the card. I received a bill for charges I made on  X/XX/17    for {$24.00} during the last week of  XXXX . I mailed the payment on  X/XX/17   . They posted the payment on  X/X/17    with the due date of  X/X/17   . They then proceeded to charge me a late fee of an identical {$24.00} plus something called a  XXXX   XXXX  of {$2.00}. I called their customer service on  X/XX/17    which is one day after I received the  XXXX  statement and was told it is not a mistake.   It is a small amount of money but I ca n't help but believe after my conversation with customer service that this is a pattern with this company. First they sent out the statements so the consumer has little time to make the payment before late charges are assessed and then the late charges exceed the original amounts charged! How can that be right!     I believe many more have fallen pray to this tactic and I  XXXX  you can do something about it.
Some one hack my dibit card I told them I did n't make the purchase but they paid it any way, resort for every bill came due they added fees for over draft, then my automatic was deactivated and my bills was not being paid which was report to the reporting companys, no told me automatic was deactivated and late was being reported and late fee'e add to amount due to me account. This whole problem could have been avoided if the credit union had not paid a bill due to hack I received an email about the purchase I replied by I did n't make are authorized the purchase, I called the credit union and told them I did n't make the purchase, at that point it had not been paid even after them I did n't make the purchase they still paid it and added overdraft fees for all bills that needed to be paid by automatic pay from my checking account everyday checking, and then they deactivated the account with out notice and my bills was not being paid
have contacted the Credit Reporting Agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX and have been told they do not delete hard inquiries even though I did not authorize the inquiry. I called back to Equifax & XXXX to advise them of the statement from XXXX. I have disputed the inquiry via telephone calls and via the internet and I have been continuously told by Equifax & XXXX the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
received noticed of unpaid medical bill from debt collector ( not sure when first received - sometime this year XX/XX/XXXX ). possibly received from State Collection Service in WI. <P/>debt is from services received from XXXX XXXX of Wisconsin. date of service XX/XX/XXXX & XX/XX/XXXX. <P/>we would gladly pay any amount owed however we never received any bills from the hospital. naturally upon receiving the debt notice i contacted XXXX immediately to try find out any information regarding the service etc. At that time they acknowledged that they had the incorrect address on file and perhaps the reason why we never received any bills. they told me they would send the information to the correct address. <P/>however after not receiving i contacted them again ( repeatedly ) only to be told that they would not provide any information, that they had turned the debt over to state collection service and i could only discuss with them. <P/>again, have absolutely no problem paying this bill. first however i never received any bills in the first place and second obviously i need detailed information as to what i 'm being billed for. i have an excellent credit score. <P/>thank you, XXXX XXXX
I have an auto loan and the Lender does not provide paper statements. When I go online I am able to see the payments/fees that I have made or been assessed. However the Lender does not have how the payments are being applied ( what goes to principal and what goes to interest ). I know they are doing this on purpose to avoid questions from other consumers who are experiencing the same thing. I have to submit a request ( which can take 2-3 days ) to show how may payments are broken down in principle and interest. Why? All other loans/credit cards I have show this information right on the screen/billing statement and it is readily available ... this lender doesn't. I feel like this is a violation of Reg Z.
I was denied for a loan modification on XX/XX/XXXX due to a Negative NPV test. I really didnt know what this meant so i called Wells Fargo and they informed me that i could request the NPV results by faxing in a letter requesting the information as stated in the letter. I faxed the request on XX/XX/2017. On Thursday, XX/XX/2017 I spoke with a Representative who confirmed the request was received and the NPV results will be faxed over to me and to give them until Monday. On Tuesday XX/XX/2017 I spoke with a Representative, XXXX, who informed me that the request was not submitted and he would escalate this matter to the person assigned to my file and advised i call back within 24 hours. Today XX/XX/2017 when i called Wells Fargo and spoke with XXXX, she stated that they can not provide this information and because they use an outside source. I am now nearing the deadline and i still do not know why i have been denied and no one there will tell me. The only thing they tell me is that it was denied due to a negative NPV. What does that mean??? I am now going to miss the deadline to appeal because i still dont know why i am being denied.
I have had a JPMorgan Chase Credit Card for over 15 years and have always made monthly payments on time with this card, as well as all the other credit cards I maintain. This JPMorgan Chase card has an Interest Rate of XXXX % for years and I finally decided to call JPMorgan Chase to inquiry about getting the rate reduced. After being put on hold for about 2 minutes by the CSR ( XXXX ) on XX/XX/2018. The CSR informed me that the current rate is the best rate I can get. By my account, and the 3 National Credit Bureaus my credit is rated as Excellent, and therefore, I Do Not Believe JPMorgan Chase acts in Good Faith with the FTC CARD Act of 2009 in doing a Fair and Honest review of Card Holders accounts. By reading recently about XXXX actions " related calculating the APR didn't properly reflect the full benefit should have received for good behavior, such as paying on time ''. XXXX is issuing refunds to customers whose APR should have been lowered. I strongly believe that JPMorgan Chase also is not doing a Fair and Honest review as required by the LAW.
I recently reviewed my credit report and noticed credit inquiries that I did not authorize. According to the Fair Credit Reporting act ( FCRA ). The following inquiries I did not authorize and/or recognize : XXXX. XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX. XXXX XXXX NA - 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 It is XXXX responsibility to make sure a creditor provides a clear reason along with permission before releasing a credit report of a consumer.
I transferred {$2500.00} from my personal wellsfargo account to my joint wellsfargo account ( with my wife ) on XX/XX/2018 so that she can honor a contract on my behalf. The contractor told me i was to pay an upfront payment 24hours of him sending me his insurance details, that was the purpose of the money. My wife went to the wellsfargo branch to try to get the money, wellsfargo deducted the funds from my account only to tell my wife that the power went out and they wouldn't be able to give her the cash, meanwhile my contractor was waiting for my wife.

This is the first time i am dealing with the contractor and my words mean a lot to me. wellsfargo told me i would have to wait till the following day to be able to access my funds, and the branch manager could clearly see it on my wife 's phone that the money had been deducted from or account. Due to wellsfargo NO CARE attitude i lost the confidence, trust and respect from my contractor and i also breached our contract.

Wellsfargo made no attempt to try to resolve the issue immediately.

I applied for a loan the day before, wellsfargo wold grant my request and now they are holding my funds hostage and making me look incompetent and untrustworthy.

I am supposed to receive a shipment tomorrow at the site where the contractors are working on, but because of wellsfargo, there will be nobody on site to receive the package, the shipping company called my today they they will be delivering the product tomorrow, now the product might have to be sent back because the contractors wont be on site, all because of wellsfargo. This is not fair. Wellsfargo as caused me so much pain and distress today, its not fair how they treat their customers. They are very quick to take ot money for charges, but they are not ready to help.
Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to XXXX XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act.
my sister 's house was foreclosed over {$3800.00} taxes she did n't pay in XX/XX/XXXX the mortgage company she was doing business with reverse Mortgage solution put a clause in saying she was responsible for pay taxes she paid XX/XX/XXXX up to XX/XX/XXXX and then reverse mortgage paid XX/XX/XXXX and XX/XX/XXXX XXXX or reverse mortgage solution office paid they gave one month notice the house was been auction a buyer came in put down {$20000.00} deposit we spoke to the buyer he agreed not to buy the house he just wanted his {$20000.00} deposit back reverse mortgage Solutions refused he was forced to settle or he will lose his {$20000.00} and my sisters court XXXX XXXX the judge will tell her to move out after 30 years she lived here she is retired XXXX years old she got her settlement papers so it 's hard to do any contact with the mortgage company XXXX XXXX way and they refused to give her any information is very difficult to work with we had we had a lawyer working on it too and he could n't get any information from the mortgage company order XXXX XXXX himself a rip-off
Chase Mortgage ( who services my XXXX-owned loan ) advised me they no longer accept bi-weekly payments, and that I 'd have to use a 3rd party, who will charge me about {$250.00} to set this up. This is outrageous. Where else in America can ANY creditor refuse to accept an early payment, and refuse to give you the interest savings? The answer is nowhere. They told me they 'd hold my bi-weekly until the second payment arrives, as they wo n't credit partial payments. I assume they do this with the law allowing it, so PLEASE pass this on to the Congress and ask that, as the CFPB, Congress change the law to stop this ridiculous fleecing of the average American! If they will take a bi-weekly payment from an intermediary/3rd party, the banks should be MADE to accept these directly from the mortgagee!
I have several months that are not being reported to the credit bureaus that shows my account as current for all months. The missing months includes that following : XXXX XXXX, XXXX XXXX, XXXX and XX/XX/XXXX, and XXXX XXXX.
On XX/XX/2017 I received a letter from my credit card company ( Discover Card ) that they have reduced my credit limit from {$4600.00} to {$4300.00}. They have not provided my any explanation for the action. I have been current and have never missed on all my payments. This lowers my debt to credit ratio thus lowering my credit score. This, in turn keeps the interest very high for this card, thus extracting more money from me in the form of interest. This is a form of " loan sharking '' and is illegal.
I do not owe this debt and there are 2 different ones on my credit bureau reports. I have asked for validation of this from this company and have not received anything. I do not owe this company and have never done business with them or have never had a contract with them. They are ruining my name and I want it to stop.
Our prior insurance company non-renewed our policy, so we had to pay for our homeowners insurance out of pocket. We requested reimbursement from Arvest Central Mortgage onXX/XX/XXXX, and againXX/XX/XXXX and never received a response.
We called in XXXX and again requested reimbursement from our escrow account. We were then told they needed to do an escrow analysis. We requested an escrow analysis during that phone call. We called and spoke with customer service today XX/XX/XXXX and they still have not completed an escrow analysis. We again requested the escrow analysis XX/XX/XXXX.