WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion continues to violate the FCRA by submitting unverified information to my credit file without my knowledge. I have recently had an unverified item deleted from my Equifax credit file and it was reinserted without my knowledge. The information still has not been validated or verified by Equifax, yet they have allowed a third party collection agency that is operating Illegally to submit this information to my file. The XXXX XXXX company XXXX XXXX XXXX is operating illegally because they are not licensed in the State of Texas as a Collection Agency. Despite all of these things Equifax, still reinserts the information to my file without my knowledge, and knowing that it has already been previously deleted for not being valid.
The 7 years from my first delinquent payment has already passed and it is still showing up. I have tried to communicate with them with no success.
Hi - I opened a Santander checking account on XX/XX/XXXX. The terms were that Santander would provide an initial {$200.00} if I made an initial {$1000.00} in the first 90 days, which I did. I still have not received the {$200.00} bonus. When I opened the account, I had to do so by XX/XX/XXXX ( I believe ) - there was an issue with opening my account online ( I did n't pass the auth interview ), so it took extra time for me to go to my local branch in XXXX, DE and open an account. If you reference a previously submitted CFPB complaint regarding that issue, you 'll see that the outcome of the complaint was that I could still receive the {$200.00} bonus, even though it was past the XXXX/XXXX/XXXX cutoff. I worked with XXXX in the XXXX, DE branch, who also documented that I would still be receiving the {$200.00} promotion. I tried calling the branch several times - each time, XXXX was unavailable. I asked the branch to have XXXX call me back, but I do n't think they are relaying the message.
There is a " near credit limit '' notice on my credit report for XXXX XXXX, the balance for which is listed as a credit card. This is not a credit card. I used this company to consolidate my student loans and I am paying monthly for the charge associated with the consolidation. The notice specifically says " You have XXXX credit card using more than 60 % of its reported credit limit on your credit report. '' I am not sure if this is adversely affecting my credit score but I am hoping that the information can be corrected. As previously stated, this is not a credit card. 

Also, my employer information is incorrect. As of XXXX XXXX, 2012, my employer became XXXX XXXX XXXX. 

Thank you for your time and attention. 

Best regards, XXXX XXXX
I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, TransUnion, XXXX  and XXXX all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my TransUnion, XXXX  and XXXX  Credit Reports.
While checking my credit score on XXXX, i noticed an account closed on my XXXX report and the same account open on XXXX. There is no close date, it still shows incorrect information and theres a statement of foreclosure started. The funny thing is, Bayview loans has not sent a single document since XXXX when they bought the loan from XXXX. In fact, there is no closed date. My mail is not the issue as my postmaster for usps in XXXX is under investigation.
I have disputed the issue with Clarity Services and with XXXX but have not received a final response. I would like to file a complaint against Clarity Services, XXXX XXXX XXXX, FL XXXX. On my XXXX credit report are XXXX unauthorized credit inquiries by Clarity Services. XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX XXXX. The other XXXX on XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX. I did NOT apply for these payday loans. I have placed a fraud alert and security freeze with Clarity Services. I have written a letter to XXXX requesting to have these fraudulent inquiries removed from my credit report. I have filed a police report as well. Now I would officially like to file a complaint against Clarity Services. I see that they were fined XXXX dollars in XXXX XXXX. Looks as if they continue to commit fraudulent practices against people. Thanks in advance for your assistance. XXXX XXXX
2017 and previous. The private lenders are insisting that the buyer uses their title company in order to close the file. This is not the first time this has happened. Is there not a ruling against this.
They then say if they do not close with the certain title company the buyer can not get the loan ( sometimes )
There is a public record on my credit report that has not been verified correctly. 

The courthouse does not provide or furnish information to credit bureaus. Therefore, the public record needs to be deleted from my credit report immediately.
On XXXX XXXX XXXX I sent via Certified Mail disputing several inquiries that I did not authorize. Transunion has since received the mail and neglected to investigate, provide the burden of proof or remove the unauthorized inquiries. 

Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX UNIT XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, TX XXXX | ( XXXX ) XXXX Inquiry : Online InfoDate of Inquiry : XXXX Contact : XXXX XXXX XXXX, XXXX, NC XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX of XXXX : XXXX Contact : XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX Inquiry : XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX | ( XXXX ) XXXX
I received an offer in the mail from Wells Fargo Bank offering a {$300.00} bonus for opening a new checking account and making deposits totaling {$500.00} in the first 60 days. On XXXX XXXX, 2016, I spoke with XXXX XXXX, Small Business Specialist II at Wells Fargo to begin the process of opening the account, told him I wanted to open an account eligible for this offer, and provided him with the offer code on the offer I got in the mail. In that phone call ( which I have a recording of ), XXXX XXXX confirmed the type of account I opened was eligible for the {$300.00} bonus offer. That day, XXXX XXXX sent me some forms I needed to fill out, and after sending him the forms back, on XXXX XXXX, 2016 I again spoke with XXXX XXXX and we completed the process of opening the new account, and XXXX XXXX provided me with the account number for the new account and told me to make my initial deposit. On XXXX XXXX, 2016, I also dropped off a deposit for this new account in the amount of {$550.00} at a night deposit box at Wells Fargo. 

However, despite the fact that I complied with the terms of the offer Wells Fargo mailed me, Wells Fargo refused to honor the offer for the {$300.00} bonus and proceeded to close the account and reject my deposit. I have repeatedly contacted Wells Fargo requesting they honor the offer, and to-date they have refused to do so. I have attached a copy of the offer I got in the mail, a copy of the deposit slip and check from my XXXX XXXX, 2016 deposit, and Wells Fargo 's XXXX XXXX, 2016 letter to me where they return the {$550.00} check that I deposited on XXXX XXXX, 2016, confirming they received the deposit. I also attached a recording of the XXXX XXXX, 2016 phone call, where XXXX XXXX confirmed that this account was eligible for the {$300.00} bonus offer ( beginning at XXXX of the recording ).
I was a rapid rewards credit card customer, issued by Chase cards. I received an unsolicited mailer offering XXXX points if I upgraded to the premier card, disclosing that the annual fee was XXXX the fee of the regular card that I was using. I called the XXXX number listed on the mailer, and upgraded the card. I met the conditions of earning the points, and began reviewing my rapid rewards statement for the points that were to be awarded. When I contacted the bank, they claimed that only new card holders were eligible for the reward points. I feel that the bank pulled a bait and switch on me by offering the points for upgrading the card with the increased fee, which they were quick to charge, but now refuse to grant the points. When I inquired about the issue, the bank admitted that they send unsolicited mailers to current card holders, but meant for them to request an additional credit card. This is a bad banking practice and should be reviewed. They also refused to refund the higher fee.
I have disputed this debt numerous times. I sent I.C. System a validation letter and never received any of the information I asked for in the letter to validate the debt. Also, while the debt is in dispute I.C. System has broken the law. Disputed information is not to be reported while in dispute on credit report and this collection agency has put negative information on my credit report with out validation nor have they responded to my request of validation. I sent this letter to I.C. System : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to  verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 

Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

No one should have to be subject to this humiliation especially when it is a unknown account and possible identity theft.
This is NOT my address and I have never lived at this address : XXXX XXXX XXXX XXXX XXXX CA, XXXX
I have  XXXX  mortgage companies my primary  XXXX   XXXX  servicing and secondary Citimortgage. I have mortgage insurance through my primary mortgage company  XXXX   XXXX   XXXX . I have been having difficulty with my   XXXX    Mortgage  Company Citi  Bank. They send me a letter telling me that unless I prove I have hazard insurance they will obtain Insurance for me. I have faxed them the information and have mailed them the required documents through the years to show them I hav e Insurance an d sometimes they cancel the policy they obtained other timesThey just continue on charging me for  the Insurance. My monthly mortgage is {$1100.00} they increased it to {$1500.00} for the Mortgage Insurance they attached. I can not afford this an d I am behind again with my mortgage and they are threatening foreclosure. I have paid them my mortgage premium of {$1100.00} and thy say they have not received any payments from  XXXX  through  XXXX . I asked them where the money went and they say it went to unapplied funds. They tell me I owe them {$7900.00} now and they have threatened foreclosure. I called them again today to tell them that I already have mortgage insurance through my primary mortgage  XXXX  and have sent in supporting paperwork and will send it in again. They told me for th e 1st tim e ever that My  XXXX   XXXX   XXXX  does not cover this loan and that I also need to have insurance through them also. I asked to speak to a  Manager. The Manager t old me the same thing. They are covering my house for the eaxct same insurance as my primary coverage. I can not afford  XXXX  insurances that cover the same thing. I need help. I do not know what to do.
I have a car loan with Capital one. They charged me 12 % interest on the loan. I have been making my payments as required with additional principal. The bank is posting my additional principal payments to interest. That means they are recording my account payoff to the credit bureau wrong and falsely reporting their revenue and AR balance to the Treasury and SEC. False reporting of your financial statements is a violation of XXXX XXXX. Who corrects this because the bank is just going along like nothing is wrong.
Almost two years ago, I modified my mortgage with Select Portfolio Servicing. At the time I applied for the modification, the principal on the loan was roughly $ XXXX. After modification, the balance rose to $ XXXX and I was told that the monthly payment would be {$1300.00}. Recently, I noticed however that my monthly payment as crept up to {$1600.00}. per month, the same amount that it was prior to the modification. I am at a loss as to why the monthly payment would increase since the interest rate on my mortgage is fixed. Also, the loan amount seems to be growing, not shrinking.
In ( I believe ) XX/XX/2018, my XXXX XXXX XXXX card switched to AMEX. I received some communications re : this transfer, but I never received my card. I continued making payments to XXXX, until I received a bill from AMEX. I tried to call AMEX to  make my payment, but I needed my account number to get through to someone ... which I didn't have because I never received my card. I could also not login online to make a payment for the same reason. I went ahead and scheduled the payment through my bank using the last four digits of my account number, which is all the bill provided me. This payment was never processed and after several months my bank informed it was returned by the payee. I did however receive a late notice from AMEX and finally was able to contact someone to process my payment. They removed the late fee, but I believe this may have negatively impacted my credit report. They refused to tell me if it did or not, but my credit score did drop in spring 2018. The transition from XXXX to AMEX was not done well -- the calling/login systems should not be dependent upon receiving the card. I'm stationed overseas with the XXXX and we often have delays in receiving mail or do not receive mail altogether.
On XX/XX/XXXX I contacted Ally Financial about a late payment that was applied to my credit report as a negative mark .Someone said they will check into it .In XX/XX/XXXX there was a tropical storm by the name of Harvey that past through XXXX Texas and destroyed XXXX and surrounding areas, I was a victim of the storm so I contacted Ally to get my payments deferred. They agreed to defer XX/XX/XXXX and XX/XX/XXXX which was a great help for me. I called back on XX/XX/XXXX for more deferment, I was told no problem XXXX XXXX we'll take of it. XX/XX/XXXX came around I got a call saying my payment was is late, thinking they're referring to XX/XX/XXXX 's payment which is due XX/XX/XXXX. they were referring to XX/XX/XXXX payment, I was under the impression that my payments were deferred for XX/XX/XXXX, at that time I was told that XX/XX/XXXX wasn't deferred which made XX/XX/XXXX payment late.
I disputed the information with all three credit bureaus about this creditor on my credit report. They are reporting false and misleading information and causing my personal credit score to drop with the information they are providing this company needs to be deleted off of my report due to reporting inaccurate information and also opening the account back up when it's been closed for 3 years saying closed. On XX/XX/XXXXXX/XX/XXXX GO Financial opened up the old account and reported me 8 payments behind when the account was closed for three years. Please have this company delete all information that they are reporting all my credit bureaus I am asking for this company to be removed off of all three of my credit bureaus due to reporting inaccurate information. Since this information is being reported wrong on my three bureaus it needs to be deleted due to the Credit Reporting Fair Act. Also this account was closed in XX/XX/XXXX it is XX/XX/XXXX and they are still reporting inaccurate information please delete off of my bureaus thank you.
MIDLAND FUNDING HAS A XXXX ACCT THAT I USED TO HAVE. THE ACCOUNT WAS PAID IN FULL AND THE NUMBER WAS TRANSFERRED TO XXXX - I HAVE ALREASDY CONTACT THEM IN REFERENCE TO THIS MATTER AND THEY TOLD ME IT WOULD BE ROMOVED FROM CBR. HOWEVER AS OF XXXX XXXX, 2015 IT IS STILL THERE EVEN AFTER I RECEIVED A LETTER STATING THAT IT WAS TAKEN CARE OF. I HAVE MOVED XXXX SINCE THEN AND DO NOT HAVE THE CORRESPONDENCE NOW. YET THIS IS HURTING MY CREDIT SCORE. NOT TO MENTION I HAVE NOT RECEIVED ANYTHING ABOUT THE BILL SINCE.
I filled banckruptcy in 2013 and all my accounts were erased but XXXX, XXXX XXXX XXXX. With bankruptcy it should have been disputed but now it is affecting my credit score. Other than this what can i do?
I 'm writing you to request some assistants and file a complaint on the referenced above loan. Ocwen closed out the short sale on XXXX/XXXX/16 and sent us a decline letter ( please see attached ). 

1 ) They never countered us to see if the buyer is willing to go up in their offer or advised us of the reason for the decline. Other than closing it out and email us a letter. As per short sale protocol you are supposed to contact us and let us know and give us at-least 24-48 HRS to respond back so we can counter the buyer. We were never advised or done. 

2 ) We ordered an Interior BPO on XXXX/XXXX/16 to be completed on the property. We never were contacted for access to get into the property. Which means it was never completed or done. 

3 ) The BPO they are going off of was only a drive by. ( which did not take into consideration that the property is mostly Wetland and the home needs to be torn down and rebuilt. NO ONE Should be living in this property. The seller is and is providing for XXXX kids and is unable to bring the account current or have the funding to relocate. 

4 ) Ocwen also denied the relocation incentive for the seller because they advised that the investor does n't pay for relocation assistants. The investor is XXXX XXXX XXXX Bank which is a lender that we work with all the time and they have always paid the relocation assistants. I have asked Ocwen several times for the investors phone number so I can confirm this and they still have given us the phone number to verify this. 

5 ) With the mentioned drive by BPO that was completed, it was never addressed or states the XXXX of the Acres on the property are wetland and are UN-build-able ( please see documents attached ) XXXX ) There is a foreclosure sale date set on the property for XXXX/XXXX/16 which is very concerning since we are trying to proceed with the short sale of the home. 

7 ) Buyers inspection, bids, comps are all attached too. 
With this being said the offer that we have on the property is a good offer since the home needs to be torn down and rebuilt, along with XXXX % of the property is UN-build-able and has to stay as wetland. 

Please help us postpone the foreclosure set on the property, along with reviewing the proof and documents attached. Please contact at your earliest convenience to talk about these issues that were addressed and assists us in a resolution to our concerns and complaint. We are in the office XXXX-XXXX PT. Thank you for your understand and assistants. We hope to hear from you soon!
Hello, Freedom Mortgage has made this process diffcult to say the least. I have been working on a loan modification for the last 12 months and yet to receive a decision. I have worked with my housing counselor to get all the required documents to the lender yet they still say they need more up to date documents. I submitted my bank statements that were generated by my bank for the last two months. Freedom said they could not take the bank statements because it wasn't a full month meaning showing 1st day of the month through the 30th day of the month. My statements run from the 15th through the month through the next month. We were told that it was a FHA requirement which it isn't. Any document I submit, there is always a problem. They have made my family 's life a living hell the last 12 months XXXX XXXX
I have disputed this item to have it verified and validated. I received notice that the debt was verified but did not get anything showing how it was verified/validated.
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Company added an extremely large interest rate to double the payoff amount. 
A loan that was suppose to be paid off in a year, turned into double that extended to 5 years.
Equifax illegally shared data with others, regardless of whether they put this in writing. Equifax backs up and made it look like my fault. However they share information that only they could have known. When we filed an application with XXXX XXXX XXXX XXXX I used my Middle Name first on the Application. Equifax illegally shared this information XXXX. How come the CFPB puts the fox in charge of the henhouse where the credit reporting companies are concerned. all files regarding the illegal sharing is attached if you are a consumer advocate do something