WillisBack/dataset-financial-user-claim huggingface dataset:
I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. 
The following inquiries were deleted and reinserted Addresses Reported XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX/XXXX/XXXX Telephone Numbers Reported : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Employment Data Reported : XXXX XXXX XXXX XXXX/XXXX/XXXX Adverse Accounts XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$390.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$640.00} XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$730.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$360.00} XXXX XXXX # XXXX Date Opened XXXX/XXXX/XXXX {$290.00} I called TransUnion and Transunion gave me a file XXXX XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of my credit report.
I made a payment with AES in early XX/XX/XXXX. I asked that a scheduled payment be cancelled. The customer service representative agreed. The payment was not cancelled. 

Today when I called to ask about the cancelled payment, I was told that my money would be returned in 7 to 14 days. After 14 days, I checked and discovered that my refund has not been processed. On this call, I was told that ( 1 ) the refund request was being reviewed, ( 2 ) the review process can take 10 days and ( 3 ) if the review results in a refund, it will take 30 days for that refund to be issued. 

I was concerned because none of this information was shared in my previous call. I asked the customer service if the process for refunds was listed online because I would like to review it. The representative checked and said that the process was not online. She asked if I wanted to see if the policy could be sent to me. I said yes. The company agreed to send me a special letter outlining their process. 

The process for this company should be ( 1 ) clear and ( 2 )  easy for the customer to find.
Dealer racially discriminated against me, ran my credit again to lower score even tho I was pre approved. Sold me a bad car with a insane interest rate that did not match my credit score because of predatory lending to XXXX XXXX. Car broke down a day after buying and I was stuck on side of highway. Had to send complaint to attorney general who mediated car being fixed but took so long payments were missed and loan went bad because I had to pay out of pocket for things dealer lied and said they did when they did not. Also paid XXXX down was suppose to go to car but later learned dealer lied and this was a fee to do loan, even though loan was submitted before entering dealer. Things were so bad I never even got the car tagged up, dealer also never offered to finance my tags into the deal after robbing me for the only cash I had in down payment money and not putting it toward the loan! Complained to finance company and all the did was request payments and demand car back.
On XX/XX/XXXX, I had open a safe deposit box at SANTANDER BANK, I put {$4000.00} in the box, but on XX/XX/XXXXwhen I went back to get money, it only has {$600.00} left inside the box, I had missing {$3400.00}, I talk to the branch manager right after, at first she would n't help me, she said I took out mon and I forgot about it, but I swear the XXXX I know how much money I have inside, so I insist to report to the main branch for investigation. 
OnXX/XX/XXXX, the branch manager called me and told me nothing is wrong with the video tape. This is not right and unforgivable, People ca n't get away for stolen money, especially happened in a national bank. Those money that I 'm ready to pay my upcoming medical bills.
I am responding to the attached responses from your company dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Originally you were attempting to over collect amount for me until I informed you and provided a copy of settlement letter from your Attorney XXXX XXXX. Upon providing that information you now state that you are willing to accept the settlement offer XX/XX/XXXX from your Attorney. In order for me to continue paying you which ( you have not provided proof as a judgment is not proof that you own the debt ) you must provide the following : Printout of all payments received from you since XX/XX/XXXX with running balance due as your previous letters indicated that I owed over {$40000.00} I have and will notify the Attorney General regarding your false acquisations. 
Upon receipt of letter acknowledging that your agree to the attach settlement along with a printout of all funds received I will review further. If you are not able to provide proof that you have received payments from XX/XX/XXXX - XX/XX/XXXX I can not continue as I do not believe you actually own this debt. Your letter must also contain language that you will be removing abstract judgment as Texas Law does not prohibit Abstract Judgment on Homestead Properties. 

Please refer to settlement and provide requested information. 
a. letter stating you will continue to honor original agreement b. copy of history of payments received with running balance due since XX/XX/XXXX - XX/XX/XXXX ( you have not cashed my payments since XXXX what happen to these payments that was sent to XXXX XXXX
Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently.
On my XXXX  credit rep. I saw THIRD PARTY SUPPLIED Information. 
It was submitted without my consent, and in violation of my identity privacy rights. 
There was too much too confidential information. 
I called to CHEX SYSTEMS.com co. who supplied this THIRD PARTY INFORMATION for XXXX. 
I spoke with XXXX, Employee # XXXX. 
Her number is XXXX. 
CHEX SYSTEMS is XXXX. 

XXXX Is in XXXX, MN. 
I explained that I am very very disturbed by what I see on XXXX  about my home. 
That it looks like someone wanted to lend me money for a car, against my home maybe? 
The company is XXXX XXXX. 
But I dont know who they are and never heard of them. 

I also never ever received a CONSUMER REPORT from CHEX SYSTEMS .com. 

XXXX asked me if I received a Consumer Disclosure report from CHEX SYSTEMS? 

I told to her, that I did not receive Consumer Disclosure Report from CHEX SYSTEMS. 

She promised to mail it to me. 

XXXX initiated a DISPUTE today to investigate who XXXX XXXX are and why they requested so much information about me. 

I t is my understanding that Chex System can not remove THIRD PARTy SUPPLIED INFORMATION from my XXXX  Credit Report. Yesterday Federal Trade Commission 's agent XXXX told to me, that I must contact only Consumer Financial Protection Bureau to help me to remove or dispute unwanted or double or irrelevant to credit report information about me. 

XXXX Id # XXXX from CHEX SYSTEM also advised me to file a POLICE Report, to go to POLICE and file a report about IDENTITY Theft or that someone is trying to get information -- too much information about me and my home, and report this to the XXXX XXXX POLICE what I intend to do.
XXXX of ERS XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm six months late.
I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
At the end of XXXX, I noticed on the NationStar website that my mortgage payment was to increase by {$1200.00} for the XXXX payment. My mortgage payment was going from {$2200.00} to {$3500.00} from XXXX to XXXX. When I looked at the escrow I noticed that they charge me twice the PMI amount for a couple of months. I also noticed that they estimated that the county and city taxes will be paid twice a year instead of once a year. When I called them to bring it to their attention, they also let me know that they had the wrong parcel number for my home. Next, I demanded that they re-submit an escrow analysis because the increase was ridiculous. They are refusing to do so until they get updated information ( which I do n't see them lifting a finger to get ). I 've been fighting to get them to update my escrow analysis for 2 weeks now and every time I call them I have to start over. Now I 'm having to run around and collect all the necessary documents because they are just going to stick with what they have even though the numbers do n't make any sense.
I have been trying to close my account with Paypal, but because there is a dispute open, I can not close it.

Twice in the last two months I have found that Paypal has cleaned out my checking account and maxxed my credit cards, to send money to woman that I do not know nor have I authorized the transfer. They take all my money and then say they will get back to me in 10 days. I have tried to call, but the computer does not let you get through,. I have emailed and faxed Paypal, but they dont read it. I continue to get emails back from Paypal that are completely unresponsive to the issue I have raised, or they send the same one over and over so you are just going around in a circle.

In XX/XX/XXXX, they sent {$1400.00} to some woman I did not know. It was refunded back to me, however, they must not have gotten it back from the woman, because a few months later they sent a bill collector after me to repay the {$1400.00}. 
Most recently, money was transferred to another woman from my checking account and credit cards. That money was returned but they continue to show this womans name on my account under Quick Send or Top Contacts. I have contacted them to remove any unauthorized names,, but they do not listen. 
The dispute that is open is left open from XX/XX/2018. It is shown as Being Reviewed by Paypal and Under Review. This is just an oversight ; it should have been closed along time ago, but Paypal does not read my emails. 
Once they have removed this dispute, I should be able to close my account. I trust them with all my money, yet they do not listen to me. I am not interested in working with a company who does not listen to me.
XXXX and Experian are not reporting that I have an open credit card account with XXXX as does my wife. I am secondary on this account. It was originally being reported then one day it disappeared off of my credit report impacting my credit score by 50 points. this credit card has always been paid on time. I have attempted to contact the credit bureaus as well as XXXX to fix this problem to no avail.
After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, XXXX, & Transunion have not investigated or responded to disputes of my credit report.
My address is XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. I have sent out three letters stating the other addresses on my credit reports are inaccurate. They refuse to remove them, I have also contacted companies who said they have reported to XXXX, Transunion and XXXX, but they still insist on not removing the addresses. Last letter dated XX/XX/18, my third try, I will act on suing them
XXXX XXXX LETTER OF EXPLAINATION I purchased my house in XXXX. I have had 3 Mortgage Modifications since XXXX. The 1st modification was for 2 years through XXXX XXXX XXXX XXXX ( see attached ). In XXXX, I requested a permanent modification through the investors " XXXX XXXX XXXX. '' The interest only would start at 3 % for 2 years and 3.5 % for 3 yrs. After the 3 years, PRINCIPLE AND INTEREST would be added to my monthly payments. I attempted to resolve this issue BEFORE THE 3.5 % would start in XXXX and in XXXX and thereafter the MODIFICATION would revert back to the ORIGINAL LOAN AGREEMENT. I was somewhat successful, I received a letter from XXXX XXXXXXXX XXXX date XX/XX/XXXX stating that " YOUR RATE AND PAYMENT IS SCHEDULED TO REMAIN THE SAME UNTIL THE FINAL PAYMENT DATE, WHICH IS YOUR MTURITY DATE ON XX/XX/XXXX. '' Because I was not given the correct information, I filed a complaint with XXXX XXXX XXXX and the Consumer Financial Protection Bureau ( original letters attached ). I received the modification in XX/XX/XXXX ( documents attached ). The XXXX modification was an addendum to the XXXX modification because the XXXX modification did not state that the modification was for the life of the loan, it only stated that it would be an interest only modification for 5 years and thereafter I would have to start paying principle and interest. That is the reason I contacted the Consumer Financial Protection Bureau and the XXXX office for help. During my contact with these offices I received a letter from XXXX  XXXX XXXX dated XX/XX/XXXX stating that my loan will remain the same until the life of the loan. In XX/XX/XXXX, Bank XXXX XXXX acct # XXXX sold my loan to Select Portfolio Servicing acct # XXXX, they forwarded the most recent modification documents but LEFT OUT THE IMPORTANT LETTER THAT STATES 3.5 % until the life of the loan ends in XX/XX/XXXX. 
I am very disappointed as I continue to get the " runaround '' or misinterpreting of documents from these banks. I spoke to Select Portfolio Servicing several times and they reassured me that they would honor the Modification. 
On XX/XX/XXXX, I received a letter ( attached ) informing me that the interest rate would be going up to 4.25 % which would make my payments go up from interest only {$770.00} ( I always send more ) to interest and principle {$1600.00} starting XX/XX/XXXX. I have spoken to them but no one has answers. Furthermore, they will not honor the letter from XXXX XXXX XXXX as it has a date of XX/XX/XXXX and the most recent modification is dated XXXX and the same verbiage as the XXXX modification. 


Thank You XXXX XXXX
In 2010, I had an account that closed with this company that was paid off completely with both XXXX and Victoria Secret. About a year ago I was offered the opportunity to open a new account with Victoria Secret that is current on all payments. The old accounts are still showing as closed on my credit report even though we have a new relationship.
In 2013 I consolidated my student loans through XXXX XXXX. Since this time I have been paying my consolidated loans on time and they are in good standing with Navient ( after it broke off with XXXX XXXX ). Several months ago I was looking at my credit report online and the score dropped over 100 points. I looked checked why and it turns out that XXXX XXXX, for some reason, did not pay off the entirety of my loans that were to have been consolidated. The total amount owed now is rather small, I think around {$50.00}, so I am not concerned about that. I am, however, concerned about the damage that was done to my credit report. I have in the past several months I have called the Department of Education as well as the company now owning the loans who both tell me to contact Navient. I have contacted Navient several times and every time the customer service representative is very understanding and helpful but nothing ever comes from the call. The loans are still not payed and they have not said that there is any reason why they should not be payed and my credit score is still down over 100 points.
I make a deposit of two checks of {$430.00} making a total of {$860.00} on XX/XX/XXXX the system make part of that money available in my account, which I use the same day to pay my credit cards and others payments, even that there was an amount of money left in my account. Just a few day later on XX/XX/XXXX, I check my account and that money was removed from my account and charge me with an overdraft fee for each transaction I did when that money still in my account, that is a moved I find very unfair. even I have set up the overdraft protection. I contacted Bank of America by phone and they do n't want to remove the charges and tell me the money is going to be available by XX/XX/XXXX. but they are going to keep the money.
XX/XX/XXXX This letter of complaint is concerning Navient telling me that I owe higher monthly payments than what was agreed upon in my consolidation loan promissory notes payment plan.
Navient sent me a letter onXX/XX/XXXX and XX/XX/XXXX with an updated payment schedule stating that my monthly payment will be increased to {$260.00} because my loans were under disclosed. According to my promissory note I selected the graduated payment plan C1 and my agreed upon payments are : 75 months at {$75.00} on XX/XX/XXXX 75 months at {$130.00} on XX/XX/XXXX 150 months at {$170.00} on XX/XX/XXXX Beginning XX/XX/XXXX I am on the final step of the payment plan of 150 payments of {$170.00} remaining with a payoff date of XX/XX/XXXX.
Navients letter stated that in order to pay the loan off on time the payments have been adjusted to {$260.00}. No documentation ( though requested multiple times over the phone ) has been provided proving their claim. They indicated that an audio recording exists indicating that I agreed to this higher amount, but in order for me to hear the recording I will need to secure a subpoena, pursuing legal action. Upon further questioning they admitted that no such recording exists.
When I spoke to representatives on the phone, telling them I can not pay the higher monthly amount they are demanding, they informed me that I could go into forbearance. Only after I communicated that this is something they are being sued over did they then inform me of other payment plans.
At this time Navient is stating that I am 90 days past due on my loan despite my continuing to make payments of {$170.00} ( the payment due according to the promissory note ). I am asking Navient to correct this with all of the credit bureaus. I am also asking that my payment plan be corrected to the contractually agreed upon amount.
Out of fear of being put into default I have paid the extra monthly amount that Navient has declared that I owe. I have paid Navient {$540.00} in overpayments from XX/XX/XXXX - XX/XX/XXXX. This extra amount is enough to cover my monthly payment due of {$170.00} for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I am unemployed and have been borrowing money from family and friends to make these monthly payments. I am no longer able to make payments due to this undocumented increase in payment that Navient is stating that I owe.
Unable to make Navients unjustified payment increase, I continued to make the agreed upon payment of {$170.00} starting in XX/XX/XXXX. Navient has charged late fees of {$100.00} for me not paying the higher amount. I am requesting that Navient return to me the amount of {$100.00} and any additional late fees added after XX/XX/XXXX.
To reiterate, I am also requesting that any erroneous reports given by Navient stating that my account is 30 or more days past due be corrected with all credit bureaus. And lastly, that Navient correct the monthly amount due to the agreed upon {$170.00}.
Received phone call from XXXX claiming that they are attempting to serve notification to me at my employment and residence ( for a charge off debt from 2001 ) and must call them back to make arrangments. When I called back, they stated that they were a 3rd party attempting to collect a debt and that the credit card company re-initiated a court claim against me where they can put judgement against me for up to $ XXXX. They pressured me to make a payment arrangement if they took a large percentage off the original balance due, then asked for my credit card information as a good faith attempt for not being sued. They promised to send me documentation via email as proof of them being a 3rd party representation. I was stupid and gave them the CC number in good faith. They took money out of my checking account for {$200.00}. The bank said that the transaction was from XXXX XXXX XXXX ( XXXX ) at a XXXX ' area code telephone number ( XXXX , XXXX ). I called the XXXX ' area code number. The representative that answered said that they were a " child support/check recovery '' agency in XXXX, XXXX -for the state of XXXX . I live in XXXX ( and do n't have chilcren, nor do I write checks ). The rep was good enough to run my name through their database, to see if my name came up and if my identitiy was compromised. Nothing came up and she suggested I call the police. She also disclosed that their agency have received a flood of calls of this type within the past two months. I got the money back from the bank and put in a fraudulent claim. Now, these scammers are relentlesly calling me 3 and 4 times a day from the same XXXX telephone number. I did some checking and the call is coming from somewhere in XXXX. I called them right back and told them that they have been reported to the police. DO NOT TALK TO THESE POEPLE FOR ANY REASON!!!
XXXX different Issues with Equifax concerning, XXXX different accounts with XXXX different companies : 1 ) I have XXXX accounts with ( creditor ) XXXX. The XXXX accounts were discharged via the Bankruptcy Court on XX/XX/2015. I disputed these accounts with Equifax and uploaded the Bankruptcy Order ( XXXX 2015 ). Equifax claim that they never received my dispute. Upon speaking with a Supervisor ( XX/XX/2015 XXXX at Equifax , she stated that they were using information from a dispute that I submitted in XX/XX/2015. I had not gotten a order from the Bankruptcy XXXX at that time. Equifax currently has the XXXX accounts listed as open, past due and in collections. 

2 ) Equifax has an account from ( creditor ) XXXX XXXX listed on my credit report. XXXX XXXX has removed the account from my credit report. I disputed this item. The account is currently still listed no my Equifax credit report. Upon speaking to an supervisor at Equifax , I was told that they were again using information that was submitted in a previous dispute that I filed. I told the supervisor that, XXXX had recently removed the account from my credit report. 
Equifax has refused to remove the accounts with XXXX and XXXX form my credit report.