WillisBack/dataset-financial-user-claim huggingface dataset:
I faxed a letter to Transunion last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/XXXX they are reporting on my credit report. As I write this letter, this incorrect/invalid account continues to damage my credit file and Transunion doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I do not believe that this item is supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Citibank sent me a letter, dated XXXX XXXX, 2015, stating that they were unable to add the IRS as a payee in my checking account due to " customer service reasons ''. 
In their letter, Citibank stated that this policy was stated in their Bill Payment Users Agreement. 
I sent a letter to Citibank requesting them to point out in the Citibank Bill Payment Users Agreement where this policy was stated. 
I NEVER RECEIVED A RESPONSE.
We 've been in process to buy this condo in XXXX since XX/XX/XXXX, we have so many delay with the loan and approval from my loan officer ( XXXX XXXX ), we got XXXX counter offers because the due date has passed, the price went up from $ XXXX to {$410.00} as final price. 
Since last year we already told XXXX that we do not want any points on the loan since we will refi anyway. 
On XX/XX/XXXX he sent me a GFE the closing cost total is $ XXXX, and on XX/XX/XXXX he sent me another email the total closing cost revised to $ XXXX due to 1.625 % points and we have to sign the documents by XXXX since they have to close everything on XX/XX/XXXX otherwise we will lose out down payment of $ XXXX. 
His argument is due to my credit score only XXXX, I mention to him, my credit score did n't change for the last 2 days and he said he did n't lock the rate and it charge points after he lock it. 
I feel like I 've been set up since they charge me points for $ XXXX like 2 days before the closing day. 
My question is : is this even legal? 
I know the rule that they ca n't increase from GFE to HUD more than 10 % but this is from GFE to a revised GFE, is this legal? If it 's not, how do I get the points fee back? 
Thank you in advance for your help.
I have transferred XXXX EUR through a XXXX XXXX transfer to Coinbase on XXXX XXXX XXXX. The full amount was received by Coinbase on the XXXX XXXX. This is visible on the Coinbase dashboard. However the funds show the status " pending '' since then and have not been credited to my Coinbase EUR wallet account. I contacted customer support multiple times and raised support cases on their  website, but never got a response from them. 

The transaction ID stuck in " pending '' state is : XXXX
On XXXX or XXXX I called Navient to inform that I don't have contact with the borrower, XXXX XXXX XXXX XXXX and he is FULLY responsible of the account. 

They told me if he paid on time for a full year, I could be released. I believe he had paid a full year on time and my information still on that account. 

He's married, and I don't have contact with him for more than eight years. He's not an organized person and in the good deed of removing me from the loan.
I continue to be greatly disappointed when it comes to Equifax reporting errors, I pulled my Equifax file today after noticing a 27 point drop in my credit score as I reviewed my report I noticed Equifax is reporting several accounts showing no credit limit and a high credit much higher then I have used it appears they are reporting my credit limit in the high credit field and reporting nothing in the credit limit field as a result my unlizatuin and score are stuffing greatly Im in the mortgage approval process and this is causing me great PAIN, the accounts with this reporting error are listed below 1 ) XXXX XXXX XXXX XXXX XXXXXXXX account number XXXX 2 ) XXXX XXXX XXXX account 3 ) XXXX XXXX  XXXX XXXX XXXX 4 ) XXXX XXXX XXXX account XXXX 5 ) XXXX XXXX XXXX account XXXX 6 ) XXXX XXXX XXXX XXXX account # XXXX This is a total of 6 accounts being reported in error the credit limits and high credit needs to be fixed ASAP I will no longer continue to do this my attorney will be the next and final step
I have disputed and had an account and bankruptcy deleted BUT equifax continues to reinsert fraudulent information ... an collection for {$600.00} from att credit as well as a BANKRUPTCY CHAPTER XXXX .... these are not mine and Im uploading two credit reports to show that these items were not on my report yet magically reappeared
I received a letter from Alpha Recovery Group regarding a debt from XXXX XXXX XXXX with a description of debt being XXXX. I wrote a letter requesting a copy of the accountholders agreement to verify the debt which I would have signed back to Alpha Recovery Group within the 30 days.40 days come and went and I never received a response. At this point I figured they could not supply the required documentation and left it alone. As of XXXX XXXX 2016, XXXX XXXX XXXX has now requested a summons from the court in order to solicit a judgment against me for this unverified debt for which the agency they hired failed to answer the requested letter I sent. According to research this tactic is how they get judgments against consumers which can negatively affect there financials.
In a letter dated XX/XX/2018, XXXX XXXX indicated that a collection account they are reporting on my credit for {$510.00} would be removed. The letter stated that this debt " should show removed from your credit histories within 4 to 5 business days. '' As of the date of this complaint, a full 24 days has passed with no change to my credit report with any of the 3 credit bureaus. I have even submitted disputes with the credit agencies to no avail, as the disputes have been closed, affirming the information reported is correct. As per the FCRA, the debt is too old to be reporting on my credit to begin with. Responsibility for this inaccuracy lies not only with XXXX XXXX, but also with the 3 reporting agencies as it is their responsibility to ensure that the information they report is correct. Simply taking XXXX XXXX 's word is not ensuring accuracy. This is causing me a serious hardship as I am attempting to finance a vehicle and will remain unable to do so until this issue is resolved.
I applied for the Illinois Hardest Hit Fund program and my file was sent to my mortgage lender, MB FINANCIAL on XX/XX/2018. 

My Hardest Hit Fund application will not be reviewed until they receive a response from MB FINANCIAL. The Hardest Hit Fund program has informed me they have repeatedly sent requests to MB FINANCIAL and they are failing to respond to their request, which thus makes me unable to go further in the process.

It will be 3 MONTHS now without a response from MB FINANCIAL. This is unacceptable and I want them to reply so I can receive assistance from the Illinois Hardest Hit FUnd.
Equifax removed/corrected dates ( DoFD ) on a old XXXX account per this dispute. Several days later they restored back the old information with even earlier dates and worse payment information without the required notification that they were adding back the information they had previously removed under the dispute.
wells fargo tells me to work with foreclosure which i did with XXXX XXXX who was Helpfull but WELLS FARGO IS THE WORST MORTAGE CO from what i hear by person and XXXX etc, THANKS FOR ALL YOUR HELP XXXX Bless You
file # XXXX chapter XXXX ... According to FCRA ... Transunion failed to provide proof and how they verified the above file # .. They claim it was verified.. According to the FCRA they just violated my right under the FCRA rule ... You ca n't just send a report to a dispute saying you verified information. They failed to validate and send proof of where they got the information from. I already checked with the court house they claim the credit bureau do not verify with them at all ... They need to provide this information otherwise this file # XXXX has to be deleted immediately from my credit report!!
Last XX/XX/2017 I signed up to take two classes at The University XXXX XXXX XXXX. After a month I was offered a new job in a different state and would no longer be able to complete the classes. These classes were also done at 8 week intervals. Meaning the fist class is taking for the first 8 weeks and the second class is taken for the last 8 weeks. As i signed up for the first class the tuition was not due in full until later in the session. When I was no longer able to complete the class, a representative from the university contacted me. As I told her my situation she understood and said I would be responsible for some of the tuition. I verbally told her I could not continue the classes and she said she would take care of it. The university is now expecting the full semester tuition, {$3100.00}. Once i moved, I received a letter for XXXX XXXX XXXX for collection of the debt.
Hi It was surprising to hear when FCO collection department called me up and started saying I owe $ 5300+ amount for XXXX XXXX XXXX XXXX, XXXX NY XXXX I did tell FCO I do n't owe any amount, I did pay additional {$1000.00} while leaving the apartments before lease breakage and informed that I will share all evidence documents, which I did send on XX/XX/XXXX, after that I told them whenever they contact me do send email communications but never heard back after informing to send emails I shared the Voice recorded message, document that I had signed and shared with XXXX XXXX XXXX , never got response back from collection department. On XX/XX/XXXX No damages were informed by XXXX XXXX XXXX when I called them XX/XX/XXXX and collections department was saying different messages every time they call - I did ask for evidence none of them I have been received I did pay {$300.00} as non-refundable amount which covers for the apartment damages if any I do have evidence documents of lease breakage, voice recorded for the agreed amount proof for {$1000.00} as lease breakage Initially XXXX XXXX XXXX XXXX Manager said for lease breakage pay amount of {$2400.00} ( attached the copy shared by XXXX XXXX XXXX via email ), later after negotiating she agreed for {$1000.00}, the same amount I paid off and left the premises. I left when Leasing office is open and communicated properly before leaving, handing over all keys, shutting off water, Electricty, Internet at XXXX all the information. 
Even while leaving the premises, handed over the letter took the copy of it ( original is with XXXX XXXX XXXX ) XXXX/XXXX did say " you are good to go '' if any amount is due they would have told me on that day itself there was amount for close to $ 600+ for apartment damages which they were mentioning I did ask for proof but never heard back, I told them based on the evidence document and further evaluation I will pay any differential amount if it exceeds {$300.00}, as I did pay {$300.00} for covering the same to XXXX XXXX XXXX apartments. 
I tried reaching XXXX XXXX XXXX apartments manager last week and left Voice message never heard back as well Request you to please have this issue closed as soon as possible
I went to school in XXXX Arizona at the XXXX XXXX XXXX ( XXXX ) and originally had my subsidized and unsubsidized direct student loans through XXXX XXXX before they transferred all federal student loans to Navient. Navient always gave me bad information. When I graduated I asked to have my loan payments reduced and all they offered was forbearance until I could afford the payments. They never told me about a payment plan until many years later when Obama extended payments to 25 years. That was all they offered me. When I asked about forgiveness they told me that I needed 120 payments before I was eligible for it. When I made the 120 payments, then they referred me to a website that said I needed to be in a Direct student loan program for 10 years or 120 payments before I could get forgiveness. For years they would never tell me how much my total student loan was for including the interest, then one day it appeared on their website in 2017 for the first time and now it is gone again. My total loan was $ XXXX, which is way more than the school tuition had started out as $ XXXX per year. Right now I owe about $ XXXX. XXXX received all the checks from the Federal government and kept on raising the price and applying applicable fees. Everytime I questioned the payments they would be talk in circles about the provider, servicer, handler, and other individuals that were to be paid by my loan. I kept feeling like they were robbing me blind, but always had some strange excuse for where the money was going, but never provided any detail to who was receiving all this money. Now I am stuck with this massive bill that could not get me a job with this XXXX XXXX XXXX and I am looking to retire next year with this big debt.
What happened was : I got here 3 years ago. 
My family was looking for an other place to live. 
When I was working, I saw someone came to the store all the time, and I Saw she is XXXX like me, we start to talk, but she speaks English and I didn't, she told me she will rent a big space so we can live together. 
She took me somewhere to show me an office ( XXXX XXXX ) XXXX XXXX XXXX, and she said that's where we are going to live. When I called my brother he was affraid for me, cause I just got here, he didn't want someone to abuse me. He said you don't really know the lady, if something happens to you, I won't know cause it's too far away for me, I just got an apartment for you close to your kids school, the same day I went to my brothers apartment with my kids. I went to the office to let them know that I got somewhere else to stay, so I won't be with the lady in this place.they told me ok, I will take your name off.so the office know that I never live there. I told them that as soon as I get it, before their apartment was available. 

I am surprised on XX/XX/2018. I received a letter from the creditor : XXXX XXXX XXXX XXXX XXXX XXXX Attn : leasing office XXXX XXXX FL XXXX For the amount of {$4500.00} The office know that I wasn't there. 
They know who exactly they supposed to go after, why they choose to go after me? is it because I didn't understand English too much and I can not defend myself? When I went to the office to tell them why they do that to me.the office told me that she brought a guy to sign for her after I took my name off, and the guy come back to take off his name, so the office told me that's why they keep my name in case the lady does not pay so they will have someone to go after, the office retain my info with out my consent to go after when things go wrong for the lady, why they are protecting the lady, I don't know, why the office didn't retain the guy info to go after him too, I don't know, but the office knows, I got the of the person that I talked to.hepl me out please, cause I need justice. I didn't have any contact with them. 
Thank you.
Trans Union continues to report unverified information and they refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Trans Union is in violation of this law.
There are XXXX accounts on my credit file that are over the time frame of 7 to 10 years allowed by the FCRA for reporting. I have disputed these entries to no avail and have not been given a reason for them remaining on file.
I closed on my house in late XX/XX/XXXX - ditech owes me over 1300 andstill has not paid me as ofXX/XX/XXXX.  First I was told they sent the check to the house I sold. Then I was told they needed to investigate.  Then I was told I has to wait another 10 days so they could cut another check.  Last week I was told by the manager XXXX  ext#XXXX the check was in the mail- still no check all I received was a letter saying they were looking into the matter.  I have already reported this company to XXXX and need someone to look into this - I think there is a law that they only had 30 days- next I will speak with my attorney about legal action against this company.
My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.
On XXXX XXXX, I sent a letter Equifax asking them to investigate errors on my credit report. Thirty days have passed, and I did not receive a response. I started writing Equifax follow-up letters asking for the results of my investigations, but I still have not received a response. It has been almost 3 months now, since my original letter.
On XXXX XXXX, XXXX I disputed the accuracy of my student loans via XXXX XXXX. Today 's date is XXXX XXXX, XXXX and my dispute is still ongoing. To my knowledge companies have 30 days to investigate and update any inaccurate information or to delete any inaccurate information.
I received a collection notice in the mail from Capio Partners dated XXXX/XXXX/XXXX. The amount was {$1000.00} from XXXX XXXX XXXX with a date of service XXXX/XXXX/XXXX. I called the collection agency and spoke to a representative. She stated that XXXX XXXX XXXX had attempted to contact me since then and the mail correspondences had been returned. Also no insurance had been filed. The service was for my daughter. I stated that it must be an error. I had been receiving medical treatment for XXXX during that time period therefore the should have had my correct address and insurance information on file. This is an error made by the hospital. Also, with my insurance ( XXXX ) the bill would have been {$150.00}. Why was it not filed? Why did they not contact me by phone? Now if filed, my insurance will not pay since it the service date was over 2 years ago. I feel that XXXX XXXX XXXX should correct this issue. This should not be placed on my credit report. I had no knowledge of this issue and did not have an opportunity to address it prior to being placed with a collection agency.
I would need your help disputing some charges on my Citi Visa card. Please investigate all charges made by XXXX XXXX XXXX and XXXX. XXXX was my first contact regarding setting up a website. After them other companies started to call me to offer online related opportunities. XXXX contacted me so I could have my online business company officially set up. There are XXXX parts to XXXX : The first XXXX sets up your company for you by getting it licensed in your state and all the paperwork needed to do so. {$1600.00} The second group works with you to get your credit established with XXXX XXXX XXXX. I received a couple of phone calls and that was it. {$1900.00} The third group was XXXX XXXX. They sent a program to fill out to track your taxes. After reviewing the program I called and told them that I did not want to use this program and I preferred to use a local CPA to do my taxes. They declined my request for my money back. {$2800.00}. 

I believe they took advantage of me. They sold me additional business that I did not need it. These companies prey on the elderly and they overcharged for services that I could 've paid a couple of hundred dollars ( price gouging ) and they did not provide the services that I was led to believe that I paid for.
Several Days after delivery I noticed a few indentions / hash to table. Service order was put in and Conns refuse to replace my item as they are blaming it on delivery. After many attempts no resolution has been place. I would like all monies refunded that was put into table.
XXXX XXXX XXXX 
XXXX is reporting 4 delinquent aaccounts. There are only 2 accounts. One in the amount of $XXXX and other  $XXXX.  The account with balance of $XXXX was paid late by insurance and has been removed from the XXXX XXXX report but still on XXXX. I have sent in dispute.  Company has duplicated both accounts in all credit reports making it appear there are 4 accounts delinquent when actually it's only 2 accounts and as stated above one was paid late by insurance. By doing this it has doubled derogatory items on credit report.  These are also medical bills that are not being reported as medical but instead as regular loan accounts which they are not. MEDICAL DATA SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 
(XXXX) XXXX
Placed for
collection:
XX/XX/XXXX
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance: $XXXX
Date Updated: XX/XX/XXXX
Original Amount: $XXXX
Original Creditor: XXXX XXXX XXXX XXXX 
(Medical/Health
Care)
Past Due: >$XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION<

XXXX 
Date Reported: XX/XX/XXXX
Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX  Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status UNPAID Date of First Delinquency XX/XX/XXXX
Comments
Consumer disputes this account information
Medical
Date Reported: XX/XX/XXXX
Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX  Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status UNPAID Date of First Delinquency XX/XX/XXXX
Date Reported: XX/XX/XXXX Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status UNPAID Date of First Delinquency XX/XX/XXXX
Comments
Consumer disputes  reinvestigation in progress
Date Reported: XX/XX/XXXX
Original Creditor Name MEDICAL DATA SYSTEMS Balance Date XX/XX/XXXX
Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT
Original Amount Owed $XXXX Account Number XXXX XXXX
Amount $XXXX Creditor Classification Medical or Health Care
Status Date XX/XX/XXXX Last Payment Date
Status Unpaid 

Thank You for any help you can give.
I was informed via Kohls department store roughly a year ago that a person in XXXX was able to use my social security number to use my Kohls account. This individual had charged hundreds of dollars to my account. I filed a police report after realizing this individual opened several accounts in my name. Kohls also filed a report and removed a portion of the balance. However, after me complaining several times the company continues to call me and THREATEN me. Claiming they will send someone to my house to collect the money and that I will go to jail. Every time I try to explain that these charges are not mine and that Kohls said they would remove the remaining balance, they hang up on me but not before I get another threat of XXXX. This is now on my credit report. Because of my social security number being used I actually was scammed out of {$600.00} from another so called collections agency. Please help me with this situation. I appreciate it.
I closed my account and yet this company is send me statements saying I am late in paying my annual fee on a closed account. This account was closed last year but they failed to close and I had to call again. They stated they would reverse the charge that it now affecting my credit report