WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX refuses to process my request for TransUnion and XXXX  credit reports as required by Federal Law.
I was contacted by " Receivables Performance Management '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/XXXX and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from XXXX XXXX try to collect on the same account. I immediately called them and told them about RPM and the settlement. They told me they would look into it in contact me. I got on the phone and contacted RPM and I was told they were going to have to pull the voice recordings from XX/XX/XXXX. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and RPM and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report XXXX XXXX is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!
I had my mortgage with OCWEN from XX/XX/XXXX until they informed me on XX/XX/XXXX they sold my mortgage to XXXX XXXX XXXX XXXX. I made XXXX last payments to OCWEN in XX/XX/XXXX. XXXX payment was received on XXXX XXXX for {$970.00} to covert the mortgage for the month of XXXX and the XXXX payment was received on XXXX XXXX for {$1000.00} to covert the XXXX mortgage of {$1000.00} and the {$56.00} change of new payment. OCWEN did not apply the payment to the XXXX mortgage. Instead they applied it to the principal. Now, XXXX XXXX is sending me to collections because they said I am late with my payments. I have contacted OCWEN and they said they will fix the problem but they did n't and now they are saying that the only thing they can do is to give me a statement showing what was paid but they will not forward the payment to XXXX XXXX. XXXX XXXX at the other hand will not do anything to get the payment from OCWEN. I ca n't pay XXXX for the XXXX Mortgage just because this XXXX companies ca n't seam to know what they are doing.
The XXXX XXXX XXXX is reporting that I was 90 days late on my student loans in XXXX 2011. I have mailed letters and have contacted The XXXX XXXX XXXX numerous times to discuss this issue. They did not respond to any of the certified letters that they signed for, and on the phone I was transferred repeatedly and would be hung up on. I would call back and this would happen again. <P/>I have asked repeatedly that The XXXX XXXX XXXX provide me with a copy of the cancelled checks that show this payment was made 90 days late in XXXX 2011. The XXXX XXXX XXXX do not respond to my requests and have not provided me with proof that this student loan was paid 90 days late in XXXX 2011. <P/>I have asked that if the The XXXX XXXX XXXX is unable to provide me with the proof ( cancelled checks ) that they remove this inaccurate information that they are reporting to the 3 credit bureaus.
In XXXX, I purchased a {$60.00} MoneyGram money order. I set it aside and forgot about it until cleaning out some old files. When I took it back to the place of purchase in XXXX, I was told that they could not cash it since it was over a year old. The money order did not contain any expiration date on its face so I believe it is worth {$60.00}. 

I sent the money order to MoneyGram expecting a full refund. Instead, I was sent a {$6.00} refund check after exorbitant deductions were made for a {$18.00} processing fee and a {$36.00} service charge. Their refund check is a joke.
Hi, Back in XX/XX/2015, I confused the monthly payment due date of my XXXX XXXX credit card with another of my credit cards payment due date. The amount was under {$50.00} and by mistake, I made the payment on the other card. That novice mistake ended up counting as a missed payment on my credit report preventing my credit score today from being excellent to good ... 
I have never confused credit cards payments due dates ever since and also I have never missed a payment on any of my credit cards since as my credit history record will show ...
I contacted Wells Fargo to cancel my PMI since my loan-to-value ratio was below 80 %. I purchased my home for {$280000.00} in 2014 with an original appraisal of {$320000.00}. I currenlty owe {$250000.00}. I was advised I could not cancel my PMI until my ratio reached 75 %.
I have sent over XXXX letters to XXXX and Transunion requesting a proper and Complete Investigation of an account listed as XXXX XXXX, Account number XXXX, and amount reporting of {$540.00}. They have failed on all instances to do so just merely sending back verified and not sending proof. Just stating it was electronically verified. This is not sufficient at all. They do not legally have the right to keep this apart if my file. I have never in my entire life done business with this company that is reporting adversely to my credit report.
These last two days I had an opportunity to go through my paper mail received via USPS. I encountered a letter on a Convergent letterhead with XXXX XXXX XXXX , XXXX listed as the creditor. This caused a bit of distress as I thought a debt was owed to the United States Government by my person. 

Upon closer inspection, I noticed that the original creditor was XXXX XXXX XXXX XXXX, an XXXX partner company whose operations where discovered by a Pizza delivery guy. I thought I'd mention it because I attended XXXX school which resulted in my tires being blown out on the freeway twice, being shot at, having my car wrecked through a " vehicle commandeering demo '' and various other legal issues. 

This debt is from XXXX and I believe attempting to collect the debt is a violation of The Fair Debt Collection Practices Act and the Fair Credit Reporting Act as it is way past the four year statute of limitations period, we are now in XXXX and the letter was dated in XXXX of this year.
My credit limit with Synchrony Bank was {$3000.00}, I made a payment of {$1000.00} and the credit card company lowered my credit limit to {$500.00} stating it was due to my credit score, serious delinquency, proportion of balances, revolving accounts to high, number of delinquency, and length of time accounts have been established. 

Which is not true, I have been paying my creditors on time for well over two years, I have paid off have the balances on my accounts. 

Yes my credit score is low, but I am working on my credit.
About 6 months ago I pulled my credit report and noticed numerous accounts on my credit report that I did not recognize. These accounts do not belong to me. I submitted letters to the credit bureaus and the creditors that appeared on my credit report requesting information that the accounts belonged to me when they were opened etc. No responses. I then started directly sending certified letters to all three credit bureaus advising that the information is not mine and requested it to removed and requested response from them. The accounts there were in question are ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX   The most recent letters that went out with no response was on XX/XX/2018. For Experian the tracking # is XXXX XXXX tracking # XXXX and XXXX tracking XXXX. In the letters that were sent, I advised that they have 30 days to respond or remove before I file a complaint. I received no response from any of the bureaus. I then submitted a second letter on XXXX tracking XXXX XXXX XXXX  tracking XXXX XXXX and Experian tracking : XXXX. To this day I have not received any responses from either of the 3 credit bureaus and these accounts remain on the credit report and negatively impacting my credit.
I have told them repeatedly that I work during the day and ca n't have my cell phone. They continue to call me 5 times a day, and they try calling from different numbers hoping I 'll pick up which is misleading and fraudulent. I ca n't pick up the phone if I do n't have my phone with me!
On XX/XX/XXXX, I attempted to make a payment to my Citibank credit card company for {$500.00} dollars. I accidentally selected an account from XXXX XXXX XXXX that I had to close for fraudulent activity on XXXX 's part. 

That was my mistake. I updated the banking information and processed another payment, and requested that the closed account be removed. The customer service person told me that they would remove the closed account. 

I logged in XX/XX/2019 to make an additional payment. I attempted to make a payment for {$900.00}. I specifically selected the correct account, since the wrong account had not been removed from my portal. Citi 's website re-selected the correct account, and when I noticed the next day, I called them to fix the issue. 

They told me I could go on line to make another payment, and that they would not be able to stop or correct the payment that was made. I again logged in to their website, and made 100 % sure the correct bank account information was selected. This was on XX/XX/XXXX. 

Again, Citi drafted payment from the incorrect account. 

Today, XX/XX/XXXX, I got a notice that my account was suspended for returned payments. I reminded them that I had called on several occasion regarding this same issue, but that their agents refused to help with the situation. 


Interestingly, I am still barred by Citi from removing the offending bank account. They continue to add more fees and more charges, and refuse to allow me to use the card.
Paypal allowed a XXXX dollar withdrawal from my paypal account. They have closed the case but did not return my money. It is a withdrawel from XXXX I do not know this person, I did not send any money to him.
We became current with Our mortgage in XXXX 2014 till present Ocwen who currently has the loan is reporting to credit bureau 's that We are behind. Ocwen has been receiving monthly payments keeping some and returning some to keep the mortgage in a delinquent status previous complaint was file and We did n't respond because We did n't receive correspondence to dispute that there has been no resolution to matter and just found out about a case number this morning which isXXXXXXXX from speaking with a representative, We request a new complaint to be filed with supporting documents previously submitted from complaint filed from above mentioned case number.
Company called stating I owed over {$200.00}. I contested it, told them I would not pay them only the original creditor, then asked her to stop calling. I was told they would keep calling and keep reporting negatively to my credit reports.
Was charged {$590.00} on XXXX XXXX, 2015 for no reason by XXXX. I contacted them many times about this strange charge and was told many times that this would be taken care of. Received a recent statement stating that I still owe this amount. I 'm afraid of not paying because it will ruin my credit.
AN " EXTENDED FRAUD ALERT '' ALONG WITH A FALSE STATEMENT WAS PLACE ON MY CREDIT REPORT WITHOUT MY PERMISSION!!
XXXX XXXX XXXX XXXX XXXX- AMOUNT- {$8200.00} DATE OPENED XX/XX/XXXX XXXX- AMOUNT- {$1200.00} DATE OPENED- XX/XX/XXXX XXXX XXXX XXXX   AMOUNT- {$430.00} XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX - AMOUNT- {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX- AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX AMOUNT- {$0.00} DATE OPENED XXXX XXXX XXXX -AMOUNT- {$0.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2600.00} DATE OPENED XX/XX/XXXX XXXX XXXX XXXX -AMOUNT- {$2300.00} DATEOPENED XX/XX/XXXX XXXX XXXX XXXX XXXX -AMOUNT- {$2200.00} DATE OPENED XX/XX/XXXX
On XX/XX/18 the company was initially contacted at XXXX XXXX  and a settlement was reached in the amount of {$100.00}. During this conversation the representative agreed to a deletion letter for payoff and provided me the email to whom I could contact to receive immediately or same day. I emailed as directed and received a voicemail from the rep saying he needed to clarify the request and the information was not correct. I have that message recorded. When I called the company back they explained this was not their policy and would only allow in extreme scenarios. I explained I received false information and believed a letter would be provided to update with credit bureaus. When I asked to listen to the calls they selectively said the onset call was not recorded or the audio was lost. However they did let me listen to the call where the rep said he could not provide that letter and there was some misunderstanding. As a consumer we have rights and being told and conveniently selective with evidence is deceiving and unprofessional. This same organization has thousands of similar scenarios with the same people- XXXX XXXX XXXX and XXXX XXXX This is fraud and unacceptable.
XXXX XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
I currently have an open case through the CFPB XXXX case # XXXX against XXXX Bank. I opened this complaint on XX/XX/2016 and they responded back that they needed more time. Since then XXXX Bank has removed the negative items that 's appearing on my Experian and Equifax bureau and I 'm waiting for the item to drop off TransUnion. So already it 's been a month and XXXX days and I 'm still awaiting the outcome. On today XX/XX/2016 I received a harassing email from a debt collector stating that I owe this debt. I have no clue about this debt collector and they do n't have authorization on this debt or to contact me. Please find that I 've included the email with this complaint. I was never sent information before hand that this debt was sold nor did they contact me to see what 's going on. I 'm confused at this point and I do n't want any communications from this debt collector. I 'm working with the creditor directly.
I have two different hard inquire and I recognize one it was my credit card from walmart in XX/XX/XXXX but i nave otherone from XX/XX/XXXX and I receive a letter that both are the same it doesnt make same to me in my credit report i need to get a accurate result. 

Synchrony XXXX, GA XXXX ( XXXX ) XXXX It was XX/XX/XXXX. It is not mine. 

Institution Information XXXX/walmrt XXXX, FL XXXX ( XXXX ) XXXX This is my walmart credit card from XX/XX/XXXX. 

More question i got a letter from XXXX  XXXX  but i dont know what i need to do in order to clean or remove this inquiries. 

XXXX XXXX Cards they made mistake because they opened two different cards the same years and i used only one the other one was by error. 

Last issue that i have is XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. i dont have contact information in order to fix this inquire. What i need to do I will appreciate your help.
I have received XXXX judgments along with garnishments against my paycheck on XXXX them. These were both Capital One Bank credit Cards that went into collection XXXX 2006. That is 10 years and 10 months ago. That would be 4 years 10 months past the State of Oregon 's Statute of Limitations on Collection Lawsuits. I called them to ask why they are garnishing my wages almost 11 years later, and I was told that would be giving legal advice! I now find myself unable to sustain monthly payments on my families utilities & falling behind across the board due to the flagrant and apparently illegal actions of this unethical collection / attorney firm. I cant afford to pay another attorney to stop the illegal garnishments and Statute of Limitations complete disregard.
Citibank advertised a XXXX XXXX Account. XXXX {$15000.00}, leave it with the bank for XXXX days and they would give a bonus of {$400.00}. My husband and I opened XXXX accounts on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received the {$400.00} bonus that was due us on XX/XX/XXXX We have called the main office numerous times and they keep promising the money will be there, first on XX/XX/XXXX then on the XX/XX/XXXX and then on the XX/XX/XXXX and now maybe never. This is a fraud perpetrated by the bank. The bank employee who set up these accounts is XXXX and the bank XXXX is XXXX. I spoke to XXXX on the XXXX he was very sympathetic by unable to anything. He swore he would get our money but I no longer believe anything from Citibank.
0N OR ABOUT XX/XX/XXXX2015 I RECEIVED A DISCOVER CARD IN THE MAIL .I DID NOT KNOW IF IT WAS REAL OR NOT I NEVER REMOVED IT FROM THE LETTER. I CALLED DISCOVER CARD COMPANY THE XXXX OF XXXX 2015 TO REPORT THAT I RECEIVED IT AND IF IT WAS REAL THAT I COULD NOT FIND IT SO I REPORTED IT LOST OR STOLEN. THE MAN SAID IT WAS REAL AND SOMEONE ACTIVATED IT THE DAY BEFORE AND HAD ALMOST MAXED IT OUT. AFTER HE TOLD ME WHERE IT WAS USED I CONFRONTED MY EX DAUGHTER IN LAW, WHO HAD BEEN AT MY HOUSE WITH THE GRAND CHILDREN THE DAY BEFORE. SHE CONFESSED I CALLED DISCOVER BANK AND GAVE THEM THE INFORMATION AND HER NUMBER. SHE SENT ME SOME MONEY FOR THE CARD BY MONEY ORDER AND I CALLED AND SENT IT TO THEM. I FILLEDOUT THE FRAUD REPORT FOR DISCOVER AND WENT TO SHERIFF OFICE TO FILL OUT COMPLAINT. AFTER XXXX TRIPS TO SHERIFFS OFFICE OFFICER XXXX SAID THAT HE TALKED WITH DISCOVER AND THEY WOULD HANDLE IT INTERNALLY. ALL THEY DID WAS CONTINUE TO BILL ME I GOT A LETTER STATING IT APPEARED TO BE FRAUD BUT I HAD NOT DISPUTED THE CHARGES SO I DISPUTED THE CHARGES IN WRITING. I DO NOT KNOW WHAT ELSE I CAN DO .I DID NOT ASK OR ACTIVATE THE CARD OR USE THE CARD AT ALL. I HAD THE CARD CANCLED THE FIRST DAY I CALLED XXXX THAT THEY NOT SEN ANOTHER CARD. FOR SOME REASON THEY CHANGED THE ACCOUNT NUMBER BUT DID CANCLE THE CARD BUT THEY ARE HOLDING ME RESPONSIBLE FOR THE BILL I NEVER ASKED FOR OR AGREEDED TO BE RESPONSIBLE. WHAT ELSE DO I NEED TO DO. IT IS NOT MY BILL I DID NOT GIVE ANYONE PERMISSION TO USE THE CARD. I DID NOT EVEN HAVE THE CARD WHEN I REPORTED IT LOST OR STOLEN. PLEASE HELP ME I AM A SEMI RETIRED PERSON AND CAN NOT PAY OTHER PEOPLES BILLS. MY EXDUGHTER IN LAW HAS BEEN IN AND OUT OF PRISON FOR THEIF. I AM TRYING TO RAISE HER XXXX CHILDREN WITHOUT ANY HELP FROM EITHER PARENT. WHY CAN I NOT GET THEM TO USE THEIR FRAUD PROTECTION IN THIS CASE? IS IT BECAUSE I WAS HONEST AND TOLD THEM WHO DID IT AFTER I FOUND OUT AND GOT HER TO PAY BACK SOME OF THE MONEY? WHAT CAN I DO? XXXX OFFICE SAYS I HAVE NOT BEEN OUT ANY MONEY SO THEY WOULD NOT LET ME FILE. I AM STILL GETTING BILLED AND IT IS HURTING MY CREDIT. PLEASE HELP ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX SINCERELY YOURS XXXX XXXX. PS I DO NOT KNOW HOW TO SCAN DOCUMENTS I CAN FAX THEM OR MAIL IF NEEDED.
I was denied loan forgiveness due to a loan not paid off prior to XXXXXX/XX/XXXXwhen receiving new loans in XXXX,XX/XX/XXXX. I was a student still going to school in XXXX and XXXX how could I pay the loan off, I was still getting loans. This is a government policy and I understand that. XXXX XXXX customer service told me to pay off the XXXX and XX/XX/XXXXloans and they would be removed from my account - then, apply for student loan forgiveness again. So they put my loans on forbearance for me to do this. When I applied for loan forgiveness again, I was denied again. I was told what XXXX XXXX told me was not accurate. Just at that time, my loans were transferred to Navient. I have had nothing but bad customer service from Navient. I was also told I could go income based, this made my payment higher!! Then I was told I could do the loan forgiveness which is a 10 year loan payment. I would be able to get a direct loan and pick my loan term, but after ten years it would be forgiven. I called to have that done with the government and was told I could NOT pick my loan term and/or payment. I was also told by Navient specifically told me I could pick the term so my payment would be lower and it would be forgiven after 10 years. I am XXXX years old and will be retired in 10 years. The navient customer service told me it would be easier and cheaper for me to keep it as it is .... I would be able to pay it off. NO ONE HAS HELPED ME EVER WITH THIS STUDENT LOAN PROCESS!!!!! I have been given information that is not true or that did not apply to me. In XX/XX/XXXX, I paid my bill, it came out of my bank account twice. I was told by Navient I had to go to the bank and cancel that 2nd payment coming out, this cost me a fee at my bank. The next month when I tried to make a payment, the bank account information is not good, they can not - in their system, remove the stop payment. I was told I had to go to the bank and have my bank send a letter to their fraud department. However, the customer service representative kept telling me she could take my payment over the phone. I thought my bank account was n't good? When transferred to a supervisor, he still could not help me ; however, he did take my payment over the phone??? with my debit card linked to the account???? and it did go through ... ..My bank has no idea what they want and informed me they can not send a letter with my information on it.
Wron report about us, my wife and me. 
Hi, my name is XXXX XXXX and my wife XXXX XXXX XXXX. In XXXX 2016, my wife and me changed a car in XXXX XXXX XXXX, we paid every thing ready and take an other XXXX, The XXXX XXXX XXXX supposedly be to pay off to the Wells Fargo Dealer Services, WFDS XXXX, Auto Loan, but that does not occurred. Before that happened we paid the monthly payment at time by automatic system from the Wells Fargos my wife 's account. When we liquidated everything with the XXXX XXXX XXXX, we stopped the automatic payment. Finally, Wells Fargo reported to you that we delinquent in our payment and affected our current credit for both, my wife and me. Please help to resolved this matter. 
Thankyou Reward XXXX XXXX
I just received my credit report. There are XXXX derogatory entriesXXXX from Bank of America. I complained to them XXXX years ago and assumed they had removed them. 
I have NEVER had an account with BOA. I received XXXX unsolicited cards from them in 2011 which I assumed were sent by mistake. They were never activated and I still have them in their original wrappings. 
I 'd like XXXX charge-offs removed from my report.
Experian has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.