WillisBack/dataset-financial-user-claim huggingface dataset:
I bought my credit report on XX/XX/XXXX from TransUnion. There were numerous errors. One debt, the same debt, was reported more than 7 times on my credit report.
I asked for TransUnion ( TU ) to correct the errors and validate debts that were not mine. The letter was sent on XX/XX/XXXX via Certified Mail. I sent the credit report, proof that the debt was singular and not duplicitous, along with my i.d . and a pay stub for id.
TU failed to contact me within 5 days to acknowledge my request.
TU then sent me letters with the wrong name, with a statement that I needed to send additional information to request a free credit report. I NEVER REQUESTED A FREE REPORT SINCE I BOUGHT ONE FROM THEIR WEBSITE!
I sent another letter to TU, via Certified Mail, informing them that I demanded that they delete the duplicate debts, validate those debts that were not mine, and fix the errors listed in my credit report.
They responded to me with the wrong name and stated that TU did n't recognize my credit report or could n't find it, that I need to submit a better form of id ... to get my FREE CREDIT REPORT!
They did not validate my debt, delete duplicitous debts, or fix errors listed in my credit report within 30 days. TU continued to report the debt, failed to give notice the debt was in dispute, and failed to take any actions at all.
All letters have been electronically sent via Certified Mail, with proof, and are still in electronic form.
I have had a Capital One Platinum Card since XX/XX/2018. Since then I have made at least 9 payments, and while I use the card I pay completely on a regular basis. They have a step program for a credit line increase ( make 5 on time payments and receive a credit line increase guaranteed ) of which I have met. I can see the tracker on my online account. We are now approaching over a month in which my increase says it is still in process. Per Capital One I have met all the criteria, when I have called on 3 occasions, they have told me 3 different answers, and have lied at least twice. I have been told to wait, to request increase, and also spoken with a supervisor, all of which has not helped to process the increase that Capital One as acknowledged that I have earned PER THEIR OWN POLICY. I believe Capital One is projecting a false narrative, providing false documentation, and not honoring their own policy. Furthermore they advised me to manually apply for increase, and guaranteed increase ( recorded phone call ) which did not result in increase and constituted a credit hit whether soft or hard on my report ( detriment to my score ).
I've had my Discover It card for quite some time now ; I was given a Credit Limit of {$1000.00}, I've never been late and didn't have it fully maxed out but they lowered my limit from {$1000.00} down to {$800.00} for no reason.
My daughter and I purchased an adjustable bed from XXXX in XXXX XXXX with free financing for a year. The first payment of approximately {$90.00} was due in XXXX, however, after the XXXX payment, I paid $ 100 monthly. In XXXX I received delivery of Living Room furniture, and thought I would be able to continue paying $ 100 monthly because in XXXX XXXX, I was going to pay off the entire balance. I did not discover until I received a statement from Wells Fargo in either late XXXX or early XXXX that I owed them more money. ( See Exhibit A XXXX Bill Pay XXXX ). On XXXX XXXX, XXXX I made a payment of {$490.00} ( Also See Exhibit D indicating I paid {$390.00} plus my $ 100 monthly payment ) .and Exhibit E, explaining the payment in detail. Sometime in early XXXX I was advised that it was not possible to return my {$390.00} check back. 
I made an arrangement with my daughter starting in XXXX XXXX to pay the additional {$52.00} that Wells Fargo required as minimum payment and she set it up with her banking bill pay for automatic payment every month this year, at which time I intend to pay the balance in full. ( See Exhibit B XXXX Bill Pay spreadsheet ). Upon information and belief, we had satisfied Wells Fargo 's requirements. Today I received the XXXX Statement ( Exhibit C ) indicating that I have a debit of {$430.00} on my account and my monthly payment is now increased {$250.00}. I had to place several calls to Wells Fargo to find out where this debit came from, when it was posted and WHY my minimum payment had increased from {$150.00} to {$250.00} when I 've continually paid them on a monthly basis and have not purchased anything since XXXX XXXX. 
It took the agent some time to find out what had transpired since and the agent finally discovered that the Bank, without my knowledge or approval and despite what I had been told by Wells Fargo Bank which was indicated in my XXXX XXXX, XXXX letter to US Treasury Help with My Bank, I had asked for the {$370.00} back ( {$390.00} minus the {$26.00} in arrears ) and they advised me that : " that was not possible ''. TODAY, I discovered that they not only retruned the {$370.00} back but also the {$26.00} in arrears back, without my approval or knowledge and have no not only increased my monthly amount due, but also sactioned additional late fees. See E2, E3, E Attachment 1, E Attachment 2 & E Attachment 3.. I do not know when Wells Fargo assessed these charges, I requested the date of the posting but was never advised.
On XXXX XXXX, 2016 a Qualified Written Request was sent to NationStar. No response to this request was ever received. This violates XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX where a written request is required to be responded to not later than 30 days ( excluding legal public holidays, Saturdays, and Sundays ) after the receipt from any borrower of any qualified written request. A confirmation fax concurred that NationStar received the fax to XXXX. There currently is a foreclosure sale on the property for XXXX XXXX, 2016 when they have not proceeded properly with providing the factual information on the loan.
I have been going around with navient/XXXX XXXX for years, i graduated XXXX school but can not pass my boards so i make {$13.00} an hr on govt assistance i have a daughter and they will Not work with me they set a payment i can not afford and said oay it or well sue you
every time I make a payment to my credit card there is a several day lag before this debit shows up in my usbank account. the money has been sent to my credit card and is posted- usbank does not even show this as a pending charge for days! it is an obvious ploy to get people to overdraft.
I have been called numerous times a day for over 2 months from XXXX Callers on my work cell phone. They would not tell me what it was regards to until XXXX/XXXX/15. Before this date, they would only tell me they were collecting a debt for {$43.00}. I have spoke with them on countless occasions and asked to please send me information in the mail in regards to this and I would be happy to pay it ( if it was legit. ) They told me on many occasion they would send me something in the mail. After being told this over a two week period of numerous calls, I finally asked to please stop calling if they were not going to send me anything in the mail. They continue to call and have become very rude and harassing. Tonight I was harassed by an employee by the name of XXXX. I tried to nicely tell him to send me something in the mail. I stated they sent something in XXXX and " there is no point to send anything else because I obviously do not pay me bills. '' He also stated I " should have paid my debts and he would not have to call me. '' When I asked to speak to his supervisor he told me '' NO, you are going to stop talking and listen to him! '' He would not give me his information until I argued with him for over 5 minutes. I finally was transferred to his supervisor, I explained the situation and she told me my number would be removed from their call list.
In 2006 I had A auto loan with wells fargo and the car got stolen and the insurance company paid the car off but wells fargo started reporting a balance to equifax and now 10 years later XXXX is still reporting this ( A BANKRUPTCY ONLY STAY ON YOUR REPORT FOR 7 YEARS ) but this show you how big banks control credit reporting agencies
Communicated via certified letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX, XXXX XXXX XXXX ) provide debt verification and validation proving an alleged debt belongs to me. XXXX XXXX and XXXX XXXX XXXX have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX  f/k/a XXXX XXXX ( Account # XXXX ) belonged to me. 

XXXX XXXX XXXX, XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased. 

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115. 

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX, XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately. 

On XX/XX/XXXX, received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.
RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX
XXXX XXXX/XXXX XXXX XX/XX/XXXX-XX/XX/XXXX I started services with the company in XX/XX/XXXX. In XX/XX/XXXX-XX/XX/XXXX, my bill skyrocketed to over 1200. After numerous calls, every month, to XXXX who would refer to XXXX XXXX, who would then refer me back to XXXX, I finally reached a XXXX Representative who investigated the charges. I was reimbursed by XXXX, for 11 charges to reconnect my services. XXXX then sent XXXX XXXX a reimbursement assessment of {$1000.00}, due to unauthorized charges of {$40.00} per month of Movie Channels and {$50.00} per month of a sports package that was never authorized. ( see documentation ) I spoke with XXXX XXXX in XX/XX/XXXX/XX/XX/XXXX, who stated that the reimbursement was on file and had not been released. I ended up closing my XXXX XXXX account, as they continued to not reimburse the monthly charges, and stated that they could " only reimburse my account x 90 days ''. 

From there on out, I have had to dispute the charges over and over through XXXX XXXX, who then sold my account to a collection agency 3 times. I worked with the XXXX XXXX XXXX to have the first 2 collections removed from credit reports. As of XX/XX/XXXX, a new XXXX XXXX, XXXX XXXX, placed the collection in the amount of {$1200.00} on my credit report. I have disputed the collection and as XX/XX/XXXX, the collection still remains. 

This has been to say the least, frustrating, and I am at my wits end. This is unfair practices on behalf of XXXX XXXX and their unwillingness to remove the unauthorized charges to my account and reimburse me in the amount of {$840.00}. These collection agencies harass and threaten and most importantly ruin my credit score, that I have worked so hard to keep my credit good. 

I do n't know where else to get assistance on this, I contacted a lawyer, that was currently in a lawsuit with XXXX XXXX for unauthorized charges, however the practice is out of state. I reside in Pennsylvania.
I am trying to get this account correct, they put late payments on my credit report and when I submitted a dispute they have every payment for the life of my loan as a 30 late. They submitted a 30 days late for XXXX and the paper says paid as agreed XX/XX/2018 2018
I have a hard inquiry on my report from XXXX. I have never applied for credit from this company and I need this removed from my report immediately.
XX/XX/XXXX I pulled my credit through my credit monitoring service. XXXX   was showing a collection from XXXX XXXX XXXX. for the amount of {$1900.00} Account # XXXX placed in collections XX/XX/XXXX. 

However this is not my account My Father and I had the same first and last name and he passed away around this time. I had sent certified letter XX/XX/XXXX to the debt collector. 

They removed from my credit report XXXX also did investigation and has also made the decision to remove from my credit report as well. 

XXXX XXXX I received yet another letter from Pendricks regarding this account. 
they also changed the name of the original creditor and original account number. To allow for a ( reinsertion of invalid debt onto my credit report ) the System automation will believe its new. 

I dug up everything from back in XXXX. I just now called the original creditor they are also called XXXX XXXX. I spoke to them I gave them my social my date of birth they can not find me. I do not owe them money.. I also called XXXX   hospital and XXXX XXXX XXXX they can not find me and they have also stated they could not speak to me due to a HIPAA violation they have a XXXX but its not me. attached you will see my original certified letter receipt. the old XXXX  collection. links to show XXXX XXXX XXXX and XXXX are in fact the same hospital. 


I understand mistakes can be made., Pendricks forewarned is forearmed You need to remove this from my credit report Immediately this is not my collection. I take pride in my credit score and I am closing on a house in 45 days if This prevents me from cosigning on my house. I will take this to federal court not small claims. Because you are now very aware. Due to my attachments. 

I am not paying anyone to help me. there isnt a debt company I understand you get alot of that it is only me,. I am very familiar about the laws. You also know from past collections that I have written to you explaining my fathers death on a few other occasions. I am asking nicely as a " courtesy from you to remove this promptly before This goes any further. 
I woke up one morning and saw my score dropped 85 points due to this inaccurate reporting you never contacted me I was not notified. this breaks soo many laws in so many ways its not even cool. 
I have also forwarded this to the original creditor XXXX XXXX on intial report from XXXX, XXXX XXXX Thank you, XXXX XXXX
THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/XXXX. 

Due to Gm Financials failure to report it looks like i have a bad payment history and it has cost me a total of 6 loans  since XX/XX/XXXX and countless other credit cards.
Equifax is report an item from XXXX with an open balance. This account was included in a chapter XXXX bankruptcy that finalized XX/XX/XXXX also the account from XXXX is showing an open balance when it was also included in the bankruptcy
On XX/XX/XXXX I was contacted by an unknown company using phone # XXXX stating that I needed to call their office at XXXX because they have some very important, time sensitive documents for me to sign for. The address they have is over XXXX years old. When I call back I talked to XXXX XXXX. She informed me that they are trying to serve me legal documents for a debt that is outside of the statue of limitation. The debt is XXXX years old. I informed her that I claimed bankruptcy on that account in XXXX. She demanded that I send her my bankruptcy documentation via fax XXXX. Again, a different number! So I thought about it for a day and sent her a letter via Fax asking for proof of debt and for all communication to be done via e-mail because I was not giving her any additional personal information. I also informed her that if I don't receive it within the 30 days I would consider this account closed. I have not received anything from her. Not sure if this is even a legitimate debt or company.
This account was opened online with a family member using my personal information. I had no knowledge of this account. The site only ask for information easily attained and does not make an effort to insure the identity of its customers.The amount was XXXX XXXX no payments were ever made which shows that this account was opened with the intent to be fraudulent. I have several instalment loans that i pay on time and am never late. I have told this company several times that this is not my account and have requested it to be removed. It shows on my credit file as a deliquent account that was closed owing money. This is negatively affecting my previously good score. I am not willing to wait 7 years for it to roll off when it was fraud. The company has refused to remove which is extremely upsetting.
On XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX called my home phone. My XXXX year old son who has XXXX answered. XXXX asked him some questions about me including D.O.B. which he gave them. They then proceeded talking with him about a debt they say I owe. After a minute or 2 I realized he was talking about me and I quickly grabbed the phone. I asked who the caller was and they quickly hung up.It wasn't until XX/XX/XXXX at XXXX XXXX that I found out who it was after they called my cell phone with the same number used to call my home. Today is XX/XX/XXXX and they called again yesterday XX/XX/XXXX at XXXX XXXX. claiming I owe them money. I have no information stating I owe them anything or where the debt is from. I also have nothing from them regarding my rights to verify or dispute their claim which they are required by law to send within 5 days of initial contact which was back on XX/XX/XXXX when they talked with my XXXX year old son.
To The reviewer of all my complaintsCFPBMy name is XXXX XXXX. I was the owner of the HUD located at XXXX XXXX XXXX, GA XXXX. On XX/XX/XXXX, the house was sold at the steps of the XXXX house. XXXX XXXX Georgia. XXXX XXXX of Wells Fargo requested the sale to be rescinded after my complaint. On XX/XX/XXXX, around XXXX to XXXX, she advised that the sale can not be rescinded. and it was final. Last week, XX/XX/XXXX XXXX County Water Authority called me to tell me a company wanted to establish an account with them. Since my name is the legal owner of the property, they did n't open an account in their name. The same company locked me out of the property and took ownership of the property without an eviction letter. Again prior to the dismissal of the rescinded request. I was locked out of the house. 
The same XXXX XXXX of Wells Fargo told me the HAMP application submitted on XX/XX/XXXX was not reviewed, but the one on XX/XX/XXXX was reviewed. Therefore, this is a violation of Federal Law. I further asked her if I was not qualified for any other Federal program in order to keep my house. She responded " No ''. XXXX XXXX of Wells Fargo advised in XX/XX/XXXX to have a letter of a permanent job offer in order for her to continue with the modification. XXXX applications were submitted to Wells Fargo for review and an appeal form to continue with the modification. XXXX XXXX said that nothing was reviewed. Since XX/XX/XXXX XXXX promised to give me the information about the third party purchaser of the house. She did not respond to her phone call. This is an illegal possession of the house and a wrongful eviction. I hope someone can look at this complaint and act upon it. Wells Fargo has received the bailout money from the US Government but violated the law for modification and put a barrier to minorities to get loans to keep their house. This is pure discrimination for denying me due process.
I made request through StudentLoans.gov that my loan repayment type be changed in XXXX 2016. I received confirmation from StudentLoans.gov on XXXX XXXX, 2016. I received confirmation regarding that request from my lender Fed Loan Servicing on XXXX XXXX, 2016. I paid a standard payment on XXXX XXXX, 2016. I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan on XXXX XXXX and spoke to # XXXX. I was told I had to make a one-time full standard payment before my repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. In XXXX I received a bill for the full standard payment due XXXX XXXX, 2016. I called Fed Loan and spoke to # XXXX. I was told I had to make a one-time full standard payment before the repayment type could be changed. I paid the full standard payment on XXXX XXXX, 2016. XX/XX/XXXX I received a bill for the full standard payment due XXXX XXXX. On XXXX XXXX I spoke to XXXX # XXXX and I was told the repayment had not been processed. I was told she would try to get a letter sent out by the end of the week because " everyone is busy on the phone now ''. I was told that it would not be processed in time to change my next payment. I will have to pay the full standard amount on XXXX XXXX. She could not tell me when the change would go into effect. She said they have XXXX requests and these things take time. I do not believe that Fed Loan will honor my request now or any time soon without some outside intervention. The difference between the standard repayment and the new repayment type is almost {$100.00} a month.