WillisBack/dataset-financial-user-claim huggingface dataset:
Dear TransUnion, i received a copy of my credit report which showed Inquiries & inquiries i didnt not authorize. You have been reporting inaccurate information on my credit for sometime now. I have contacted XXXX and filed a complaint, contacted the state attorneys office and filed legal documents in defense of my credit being used without my consent. You are liable for all the damage thats has been caused with the inaccuracies I have found on my credit report and will pay the consequences once the investigators are done investigating this situation on credit fraud. I have been advised by my lawyer not to contact you or any contact what so ever. This is was my final warning and goodwill letter of dispute and affidavit to remove the inaccurate information you place on my credit file. I understand and I am aware that you should not put an inquiry on my file unless i have approved it, gave you any consent which I didnt. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. This has been my 10th time contacting your department, Ive sent in the certified letters and information but the creditor and credit bureaus continue to ignore my request. Youve violated me and my rights. 

List fraudulent inquiries & accounts : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX. FI XXXX Cars 5. XXXX XXXX 6. XXXX Bank 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. Capio 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX 15. XXXXl XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

XXXX XXXX XXXX
Capital one spark  business card which I have spent over 500k on and they closed my account because a payment of XXXX was bounced because I put the wrong routing number. 


I feel that I have been a good capital one cardholder and have never bounced any payment and simply made the mistake of putting wrong routing number capital one even called to confirm funds.
XXXX XXXX XXXX  has charged my account with fees such as bad check which are false and they call me 40or 5times a week even though I have spoken with them and brought them up to date.
XXXX XXXX has been calling my home to collect a debt owed by my XXXX year old daughter. They are now calling my cell phone number which I use for my business. This has been going on for almost a year. I have told them numerous times my daughter has not lived with us for years, to stop calling us and they continue to harass us. I block their number every time they call but they call from several different numbers.
I disputed that the debt was mine. I had a residential account to supply Electricity to my house, and when I moved I paid in full the remaining balance and closed the account. That was in XX/XX/XXXX. I disputed XXXX account with the credit bureaus, stating it was paid and not my debt. The bureaus removed the collections accounts after XXXX was unable to verify the debt. one month later XXXX submitted XXXX separate collections accounts, with the same Claimed debt, but this time they also re-aged it to claim it was opened in XXXX/XXXX/XXXX a full 4 years later, especially after failing to verify the debt to the credit bureaus this is not appropriate, I have disputed this issue again, but XXXX will not remove the fraudulent information.
I have submitted a request to have multiple inquires that I did not give authorization or have any knowledge of to be removed from my credit report. 
I am told that they are a statement of fact thus they will not remove them. I have provided documents stating that they are not facts or accurate and asked for they removal without success. 
The following inquires are inaccurate and without my consent : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
ONCE AGAIN NATIONSTAR MORTGAGE FAILED TO RE-INSERT ACCOUNT BACK INTO MY XXXX CREDIT REORT SINCE 2013 ( SEE ATACHED ) IN VIOLATION OF THE F.C.R.AA. AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.
THIS HAS TO DO WITH " XXXX & EQUIFAX " NOT REPORTING CORRECT INFORMATION. THIS HAS BEEN GOING ON FOR ALMOST 9 MONTHS NOW SHOWING IN MY REPORT THAT THIS CREDITOR STILL CA N'T GET THIS ACCOUNT UPDATED CORRECTLY. I 'VE TRIED CALLING THE EXCHANGE AND I WAS TOLD AND ADVISED BY THE CALL TAKER THAT I 'M NOT ALLOWED TO TALK TO ANYONE IN CHARGE OVER THERE. I CAN ONLY SEND OUT EMAIL 'S WHICH I 'VE TRIED ALSO BUT THATS A DEAD END SAYING THEY ARE WORKING ON IT, THEY HAVE BEEN SAYING THAT FOR ALMOST 5 MONTHS NOW WITH NO RESULTS. THE CREDITOR IS XXXX/XXXX XXXX XXXX  ON XXXX REPORT AND ON EQUIFAX IT 'S LISTED UNDER XXXX XXXX XXXX XXXX. THEY SHOW THE ACCOUNT CLOSED SINCE XXXX/XXXX/2016 WHICH IS NOT CORRECT. I USE THE STORE CREDIT CARD, I PAY THE MONTHLY BILL EACH MONTH, THAT WOULD BE IMPOSSIBLE IF THE ACCOUNT WAS CLOSED.
XXXX/XXXX/XXXX Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank you for the copies of the loan modification. As you can see or should be able to see, this is only a copy of the XXXX Trail Period '' XXXX had put us on and then extended it for approximately a year or better. 
So the papers you sent me are not what I asked for or have been asking for. I am looking for the completed modification with all the documentation on how we went from a fixed 30 year interest of XXXX and why it increased to XXXX last XXXX, XXXX, and is going up to XXXX this XXXX XXXX. I know that this is still a relatively low interest rate, but going up 2 % is a hardship on us when my mom is on a fixed income of Social Security and my take home pay is less than when I started my job six years ago because of the increase in cost of my share of my portion of my health insurance. I know this is not your problem and that you really do n't care. My point is that by law I have a right to see these documents and I ca n't tell you the number of times I have called and requested them and you keep sending me a copy of the trial period and not the finalized modification. I want to see in writing please how it was decided that my interest rate would go up, the number of points that were added, how much was charged for doing the modification and if the balance of the difference between our regular mortgage payment and the trial modification was added back into the loan. We never received a copy of this and like any other financial institution if you are refinancing, having a closing or taking out a loan, all parties should see the documents and agree to the terms and conditions. Until I receive a copy of the documents, I can not agree to the increase to 4.75 %. 
I feel I have been very patient in this matter, but I am very frustrated. I have spoken to so many of your customer service representatives, the one I 'll never forget is the XXXX XXXX said it was none of my business on how the figures were arrived at. And the other XXXX was a written correspondence from Nationstar saying an audit was done on my file and everything checked out fine, but then why ca n't I get a copy of what I 'm looking for? I 'm wondering if anyone else has these issues or am I just the lucky XXXX. 
I hope the next correspondence I receive from you is what I am requesting. 
I have been trying to get a straight answer from you for years and since you have yet to supply me with the documents I am requesting, I feel you are hiding something like it 's a predatory loan. The only signature on file for us is the trial modification. We never signed thee final modification and that 's why we have n't received it. 

Sincerely, XXXX XXXX
I have obtained a debt consolidation to handle the re-payment of this loan. The legal group representing me has sent out cease of communication letters well over 45 days ago. I continue to receive multiple calls a day at my place of employment. I have made contact with my legal group notifying them of the this issue. Since that time I have received a written warning from my employer regarding all these calls, thereby threatening my job.
Thank you for assisting with this issue. Each year, I receive a notice from my mortgage company stating that my escrow account has a shortage. I paid it one year and each year I receive the same notice. I 've already contacted the XXXX county tax and assessment and was told nothing has changed far as property value and the home insurance has not increased. At this point, it is very frustrating and has caused a great amount of XXXX. Also, I received a letter stating the my PMI will be terminated and to date I 'm still paying for that. I call the mortgage company and get placed on hold for long periods of time until I ca n't hold on any longer. I call back and get placed on hold again. I need some help with this and a resolution to the issues described in this complaint. How can the escrow be short each year? Do you I need to contact the United States Congress and the media to shed some light to this situation? This could be happening to several other tax paying citizens. This is horrible and unacceptable. I never pay my mortgage late and to be treated this way is unacceptable. Please help! The name of the mortgage company is Ditech and it use to be GreenTree Servicing.
My identity was stolen and I am unaware of the origin or to whom this debt truly belongs to.
Hi, after I closed my credit card, I stopped receiving paper statements. As a result, I accidentally forgot to check when my payment was due until it had already been a couple of days. I was assessed a late fee even though I was never sent a statement.
All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. Redit   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been Kate on a payment and my score keeps dropping
I went to cash in my investment accounts at pnc. they gave me the run around. they first put me on the phone with someone who said it would take weeks and they would charge me commission. I decided to transfer it to my bank and they did not bother to tell me i had to go through them to do that not my bank. is commission legal after a XXXX year account?
I am a US Bank customer, I went to a branch at XXXX XXXX XXXX. I was approached by the teller to participate in their checking promotion, " Just spend {$75.00} and we will give it back to you. '' I replied, my wife is in the hospital nearby and was in a hurry. He said it would only take 5 minutes. I agreed. He handed me a flyer and atm card and said just spend and call us when you are done. I call to redeem the my money the terms of the deal were chanced. Now that I just want to undo the deal they need me to come in again.
Capital One has consistently increased my interest rate on two of my credit cards despite that they are paid as agreed. I primarily make purchases, and they are only increasing the interest rate on purchases. For example, one credit card has been steadily increased to 23.65 although the cash advance percentage rate is 19.99. Th other credit card has a 18.90 interest rate on purchases that has also been gradually increased but the cash advance interest rate is 15.84. I also do not make cash advances on this account. Finally, the card I rarely use except to keep active ( I pay it off when making purchases ) has not been raised. The rate is 10.84 and the cash advance rate is 15.84. My credit score is well over XXXX. All my credit is paid as agreed. This is what is weird. It is well known in the industry that cash advances are a much higher risk than purchases, but the only account that has a lower cash advance rate is the card I rarely use. It appears Capital One is deliberately hiking rates on cards with active purchases in order to drown the customer in interest. I 've never been so disgusted with a company in my life.
there on collections on my credit report that are not mine. There are some I have removed by dispute on XXXX bureau but cant remove on the other. Medical system data for XXXX is on equifax but not trnasunion had constant health insurance for over XXXX years XXXX is on equifax not transunion never had dish network live at my address for over XXXX years with directv sterling card once again on equifax buisness credit card never had my own business been at same employer for XXXX years and jefferson capital on equifax is a cell phone that was returned to verizon through ups because of no signature that was required
On XX/XX/XXXX. I noticed an alert on my credit report for a company I've never heard of, so I immediately started a dispute. Today XX/XX/XXXX, my results came back as accurate and meets FCRA requirements. I called and asked Experian to send me or what proof was sent to them to prove.it was my debt and I was told, that they don't investigate and they leave it up to the creditor to investigate. I also was told that if the creditor says I owe a XXXX dollars, that is what I owe. Can you imagine being told that by a credit monitoring company? They will not except another dispute from me. Credit name is, XXXX XXXX XXXX XXXX
Please attached to complaints filed on XX/XX/2017. Complaint No ( s ). : XXXX ( XXXX ) and XXXX ( XXXX XXXX XXXX  ). Document will be notarized.
Hello I send a complaint last month about Residential Credit Solutions. I was following up to see if there was any results. I do n't want to lose my home. I was asking about a mortgage that was discharged in a Chapter XXXX and still being charged the full amounts of the loan. My mortgage was sold to Residential Credit Solutions from XXXX XXXX XXXX. My mortgage amount should be much lower from my records of payments to XXXX XXXX XXXX and Residential Credit Solutions. On my credit reports, Residential Credit Solution, reports my mortgage as " XXXX ''. However, according to Residential Credit Solution payoff amounts, it is almost the same as the original cost of my home, which was {$95000.00} in 1993, when I purchased my home.
Citibank, failed to mail my XX/XX/XXXX ( paper ) billing, never emailed or contacted me regarding nonpayment. I called, they said to pay the purchases of {$300.00}, which I electronic paid XXXX day later. They would consider removing the {$25.00} penalty and {$4.00} XXXX fee. They failed to remove, I called they claimed ca n't reverse the computer action. 
I become frustrated, decided to paid off the entire billing which amounted to {$1000.00} which included later XX/XX/XXXX purchases ( which included the penalty of {$25.00} and interest. I mailed a letter of complaint on XX/XX/2016 filing my complaint in writing to Citi Card located in XXXX, SD. They never responded, they again ignored my complaint. Now, checking on-line I see their latest billing statement of mine for the period of XX/XX/2016 to XX/XX/2016 a balance due of {$9.00} for additional INTEREST charge dated XX/XX/2016. I PAID THE TOTAL BALANCE IN FULL WITH PENALTY AND INTEREST ON XX/XX/2016. THEY NOW BILLING ME {$9.00} FOR INTEREST FEE DATED XX/XX/2016 AFTER PAYING THE BALANCE IN FULL. & lt ; This is totally unacceptable practice and illegal activity and I respectfully request a full investigation into Citi Card billing of interest on account after full payment. & gt ;
I am a victim of identification theft. My information was stolen via a data breach with XXXX. I have tried on multiple occasions to have the fraudulent accounts removed from my credit reports to no avail. I have sent the credit reporting agencies copies of my police report, FTC affidavit, and my signed sworn declarations but they refuse to remove the fraudulently opened accounts.
I have submitted via certified mail a copy of my police report detailing the crime of identity theft that was committed against me. I also included proof of my identity and a legal statement regarding this matter. Transunion somehow has ignored this documentation as it has been over thirty days since they received it and I have not seen any action taken. My police report was filed in person and my dispute meets FCRA requirements.
On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.
I bank with Everbank which is now TIAA bank. I opened a checking account in 2015. I have called and requested an account closure, but the bank will not allow me to do so. 
I asked customer service why they won't close my account and was told because there's a block on the account, Once I again I asked what the block was for and was giving no reason at all. My bank account currently has XXXX of my hard earned money and, The bank is giving me the run around. Transfer after transfer, from department to department. I am tired of this. Please Help
I have a mortgage equity loan with Bank of America on a home I 've owned since XX/XX/XXXX. There has been an unexplained fee on my account since XX/XX/XXXX, when I avoided losing my home to the bank through my state 's mortgage mediation program. Although the bank representative assigned to my loan at the time never returned any of my calls, I 've kept paying on the loan. In XX/XX/XXXX, I finally wrote the bank requesting an explanation and itemization of all the fees I 've been charged and all the payments I 've made. However, the bank never responded to my letter. 
I thought that by putting my request in writing, the bank would explain what the questionable fee is ; it does n't seem to be based on the loan 's interest rates or principle. I also wanted to know if my payment records coincided with the bank 's records, which the statements do n't seem to show. My monthly payments currently are only on the loan 's interest and just slightly above the minimum rate. However, I do n't know how the bank is applying my monthly payments to the loan, the principle of which is substantial. The interest rates on this equity loan are relatively low, but my payments do n't seem to be reducing this portion of the debt. 
The fee in question used to average about {$1200.00} on each statement. However, my XXXX XXXX statement shows a {$310.00} increase over last month 's fee ; the fee rose from {$1200.00} in XXXX XXXX to {$1500.00}. My XXXX XXXX statement shows that the fee now is up to {$1800.00}. With these sudden {$300.00} increases a month, I will soon owe the bank thousands of dollars on an unexplained fee that I ca n't afford to pay. 
Also, each of my mortgage statements now includes a notice that the bank has not received the previous month 's payment. Each monthly payment has posted to my checking account ; therefore, the bank is receiving and accepting my money. 
A generic message on the statement now threatens to notify the credit bureaus of delinquent payments. By the bank claiming that it 's not receiving previous monthly payments, it can report this false information to the credit bureaus and eventually foreclose on my home again. 
I am requesting the following information : 1. What the unexplained fee is for 2. Why the unexplained fee is now rising significantly each month 3. Why the bank claims on each of my statements that it has n't received the previous month 's payment 4. Whether the bank is applying my monthly payments to the loan I will provide any additional information needed to help resolve this issue. A fair solution would be for the bank to answer the questions outlined above and to waive the unexplained fee. 
I have attached a copy of the following : 1. XXXX XXXX statement 2. XXXX XXXX statement 3. XXXX letter to the bank I appreciate any help the CFPB can provide.
I have been making payments in a " rehabilitation '' program for well over a year. I just found out that instead of being rehabilitated, I am still in default. I have attempted to contact them by phone and by email for over a week now and I have n't received any communication. No returned calls, no returned emails.
Borrower is currently facing a foreclosure sale of his home scheduled to be held on XXXX XXXX, 2017. Please see notice of sale attached hereto. On XXXX XXXX, 2017 borrower, through his attorneys, submitted a complete application for loss mitigation to his loan servicer PHH Mortgage. Please see application for loss mitigation and confirmation of fax delivery attached hereto. On XXXX XXXX, 2017 PHH Mortgage issued a letter stating that borrower 's application for loss mitigation was been denied as incomplete. This letter cited no documents as missing from borrower 's application. Please see letter from PHH Mortgage dated XXXX XXXX, 2017 attached hereto. We assert that borrower 's complete application was submitted more than 37 days prior to a sale date andso PHH is required by 12 CFR 1024.41 ( c ) ( 1 ) to evaluate borrower for all loss mitigation within 30 days of receipt of the complete application. Additionally, PHH Mortgage failed to cite any documents as missing  from borrower 's application in their notice of XXXX XXXX, 2017. This being the case, pursuant to 12 CFR 1024.41 ( c ) ( 2 ) ( iv ) borrower 's application for assistance is facially complete. As borrower 's application is facially complete, borrower is forbidden from conducting the foreclosure sale by 12 CFR 1024.41 ( g ).
Back in XX/XX/2013, I purchased Items from Conns Appliances. The merchant overcharged me for the items at the time and charged it to my credit account. There was a difference in the amount charged on the contract I wrote to the amount reported to the credit bureaus. I was investigation this once I discovered the error and had the amounts consolidated. So the debt amount is incorrect as well as the interest rate on my credit score. I was ignorant of my rights as a consumer so I paid the amounts for a while and once I discovered the truth I tried to get to the bottom of the debt. The payments I was making were not decreasing my loan amount according to my numbers. No one was willing to hear me or resolve my issues when I went to the locations. I ended up contacting Conns in order to settle the debt amount with a pay for removal of negative items agreement. I paid the settlement of {$1600.00} and was promised the negative credit marks would be removed. I since checked my credit report and the negative marks are still present. I have no contact information for the credit department so I speak to customer service regarding my issues and they claim that the credit department will not live up to their initial agreement to remove the negative marks. I faxed over a letter with my request 2 times. I also spoke with a representative that stated that they have a courtesy removal of negative marks from my credit report and now when I contact their offices they deny this is the case and in most cases keep me on hold for hours and hang up. Conn 's appliances have a reputation for being dishonest and ruining their customer 's credit but I was unaware of this fact before I made my purchases. 
I have recorded conversations of discussions I have had with Conn 's representatives.