WillisBack/dataset-financial-user-claim huggingface dataset:
I sent a certified letter to Experian, regarding the inquiries on my credit report, asking them to investigate the inquiries that were not authorized. The XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. I received an updated credit report back from Experian stating they were only able to remove a few of the inquiries and that I was responsible for disputing the rest of the inquiries with the creditor who pulled my report. I then called Experian and advised them that based on the FCRA, they are suppose to investigate any inaccuracies on my credit report. The representative then advised me that they can not dispute inquiries because inquiries are factual and that the consumers responsible for disputing the inaccuracies and providing them with the outcome. I then asked the representative if she could tell me where I could go to read about the information she was giving me. The representative stated she did not know where I could go to read about the information she was giving to me. I told her that she should know and educate herself on what she 's telling the consumer because she could be incorrect. The representative advised me that I would have to send every creditor a certified letter disputing the inquiry. I asked her if she was aware of how much it cost to send over XXXX certified letters. I also tried contacting the creditors who pulled my credit report and everyone of them told me I have to go through my credit bureau to dispute the inaccuracies. I am so confused and frustrated with theses credit bureaus not wanting to help the consumers.
Our mortgage was acquired by Bank of America when they purchased Countrywide. 
We had a modification in 2012 due to the DOJ National Mortgage Settlement. Part of the modification agreement stated that any escrow amount, or interest that was past due before the effective modification date of XXXX would be added to the principal balance. There were accounting errors that left a negative balance in our escrow account prompting a significant increase in our monthly payment. I reported the error to the law firm that represented BofA, to the customer service rep ( not there anymore ), the Post Modification Dept., Escrow Dept. etc. etc. with XXXX remedy. I was told the only way to clear up the concerns would be to apply for another modification and resubmit all the documents again. Feeling like I did not have another option and the Bank was now not applying my monthly payments b/ they were not " full '' payments, I sent in the modification packet. I received the same type of run around with missing documents, new customer service rep 's, etc. and was ultimately turned down. I appealed and the appeal was turned down. Extremely frustrated, I stopped making payments and was attempting, yet again to reach someone that could make a decision. My loan was then transferred/ sold to XXXX in XXXX. XXXX was missing several documents and was not able to tell me the terms of my loan etc. I have to date sent XXXX 3 Qualified Written Requests per RESPA with one late vague response that did not answer my concerns. I have been in contact with XXXX repeatedly. I have stated that I am still waiting for the documents I have requested showing that they have legitimate rights to collect my payments. I also would like documentation of the transfer agreement and proof that the trust XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX is the true owner/holder of our original note. 
I find the fact of BofA pooling and selling off XXXX of dollars of distressed loans to be unsettling. I have reached out to BofA to obtain more information without resolve. XXXX XXXX has now filed foreclosure complaint. This seems to be a way for BofA to avoid addressing the issues with the toxic Countrywide loans.
I filed BK and this collection agency did not show up to the creditor meeting to contest the collection. They have just reported this open again in XXXX. They should not be reporting any status since this was included in the BK filing.They listed remarks as the BK but that they are disputing the claim.
( Please reference these case numbers ; XXXX,XXXX,XXXX ). 

On XX/XX/XXXX we contacted XXXX XXXX, a point of contact through Wells Fargo requesting a copy of our amorterzation schedule. We have been paying our trial payments since XX/XX/XXXX. They have made promises to get us information, but then with hold it. 
If Wells Fargo ca n't tell us what is in our modification how can we as troubled borrowers feel we are getting a fair process to avoid foreclosure at this time.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Washington, DC XXXX  Ally Financial XXXX XXXX XXXX XXXX  MN XXXX  Re : Acct # XXXX  Dear Madam/Sir, I am writing to you today regarding my account # XXXX. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit agencies.

During the time period this account was established I was very happy with the service. I was however not the ideal customer and made mistakes with my handling of the account. I should have done better with keeping my account in good standard, I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report inXX/XX/XXXX.

I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement. I was however hoping you might review the circumstances under which this non-payment occurred and consider removing the negative trade line associated with this account from my three credit reports.

In the first seventeen months, my monthly payments never delinquent more than 30 days. However, after my husband was XXXX XXXX XXXX and was unable to work our family suffered financial hardships and my bills became overdue. This caused my account to be delinquent from XX/XX/XXXX.

As soon as my financial situation became better, I worked very hard to get my account up to date. Per my credit report, I have not gone pass 30 days of being delinquent on this account. In addition, I am also working very hard to pay off all late fees.

I provide this not to justify why the account was unpaid, but rather to show that the issue with ( Ally Financial ) is not a good indicator of my actual credit worthiness. I hope that ( Ally Financial ) is willing to work with me on erasing this mark from my credit reports.

I would like to stress the fact the information currently being reported is accurate. I am simply asking ( Ally Financial ) for a courtesy gesture of goodwill in having the credit bureaus remove this account from my report. I do recognize that this request is unique and that it may not be your normal policy. Please consider that the Fair Credit Reporting Act does not demand that all accounts be reported, only that any account that is reported be reported accurately. Therefore, a company does have legal discretion and permission to remove any account it chooses from the credit report. I'm hoping you will do that in my case for this account.

Your kind consideration in this matter is greatly appreciated.

Regards, Your Signature XXXX XXXX
I submitted a complaint two or three weeks ago that does not appear. I suspect it was not filed. Fifth Third Bank violated my privacy and went against their own privacy policy when showing someone else the details of my personal checking account. Since all the accounts are closed, I have asked for statements for all accounts, open to close and keep getting stonewalled. I expect them to send me ALL ACCOUNT STATEMENTS INCLUDING MORTGAGE FROM OPEN TO CLOSE.
I as a single XXXX female and mother of XXXX was scammed by the process of purchasing a home in XX/XX/XXXX. I got the home inspected and the home inspection passed, however recently found out there was a home inspection prior to mine that failed the inspection on the same house. Now founding out the house was overly assessed and valued, with major concerns of XXXX mold that is causing me and daughters XXXX issues like no other. Major Electrical issues that are fire concerns and foundation issues. I want some to be accountable to this scam. The prior inspect fell and did not pass. 


purchase home XX/XX/XXXX home inspected property in XX/XX/XXXX was determined to have XXXX mold and major safety electrical issues in the home Home stated that heat worked and was not working Safety Issues Foundations issues Major plumbing issues Lack of disclosure from the sell, broker, home inspector Scammed me in purchasing a home that is cause me and daughter to get very sick Lack of Disclosure concerns that is causing me and daughter get sickness XXXX mold
On XXXX XXXX 2016 my Amazon.com account was hacked. The hackers applied for credit using my name. the account was not opened. They proceeded to try XXXX other individuals names XXXX of which worked and they opened an account. When I receive a text message on XXXX XXXX I immediately contacted Amazon. When they told me my account was hacked I filed a police report with the XXXX XXXX XXXX XXXX Sheriff Department. The Amazon rep specifically told me no credit was applied for. It was a week letter when I received a request for additional information from Synchrony Bank in order to open a credit card account that I knew they had pulled my credit report. I have contacted Amazon and Synchrony bank their credit card provider to have the inquiry removed and report the fraud. My last attempt today at XXXX XXXX XXXX is my FIFTH 5th phone call to resolve this isse. Each call has lasted a minimum of 30 minutes.
On XX/XX/2018 I purchased a XXXX Gift Card from a local supermarket. I loaded it with {$200.00} and paid the {$5.00} fee required to purchase the card. I was careful and made sure the cardboard packaging which held the physical card was in no way opened. When I checked out at the supermarket it was the first time the package was opened exposing the barcode and 19 digit proxy number. I went home and placed the gift card in a box and placed it under the XXXX tree as a gift for my wife. 

A few days after XXXX my wife tried to make a number of purchases with the card and her attempts were denied. 

The card is issued by XXXX and distributed and serviced by Blackhawk Network California , Inc.I tried calling the phone number on the back of the card but it was impossible to speak with an agent. Only when I tried report the card lost or stolen, which it wasn't, was I able to speak to a live person. It appears that while the card was sitting under my XXXX tree, the day after it was purchased on the XX/XX/XXXX, it was used at a XXXX XXXX  XXXX for the amount of {$200.00}. This effectively brought the card balance to XXXX. 

There was no way anyone could have gotten the card information before or during the purchase process. I have to therefore deduce the card info came from XXXX 's computers during or after the activation process. 

I've filed a claim about the fraudulent purchase but they say it could take 90 days to resolve with no guarantee of a refund.
TransUnion incorrectly deleted my mortgage account with XXXX XXXX XXXX off of my credit report versus reporting the account as paid in full with all payments paid satisfactorily.
Dear Madam/Sir : A check of credit balance for {$66.00} was issued to me on XX/XX/2018 by the Citibank, perhaps because of the part of the policy not to hold consumers ' credit balance for more than 2 months ( and not at my request, I never made such request either verbally or in writing ). Even before issuing this check Citibank put a charge ( debit ) on my account for {$66.00} on XX/XX/2018 and then issued the check on XX/XX/2018. ( plase see the XX/XX/2018 statement sent to you ).  The Citibank says that a debit of {$66.00} was put to my account to remove the credit balance, which is quite illusive and misleading. If the credit check was issued to me be by mistake for which I was not entitled then only a charge could have been pushed in to counter it, else the charge should not have been pushed in. This action has reduced my credit balance for the month of XX/XX/2018, by {$66.00} or voided the check already issued to me.. 

So far closing my account wih the Citibank is concerned, I did not just close my account because of this, but due to many other reasons including unjustly denial of my conditional credit by Citibank, saying that it gave me condional credit even befor I initiated the dispute orr even before I purchsed the item in dispute. 

Even after closing my account with Citibank, Citibank called my home on XX/XX/2018 at XXXX XXXX from the phone # XXXX, registered with CITI ( Call log attached ). This is unethical on part of the Citibank. This contitutes a harrassment to vulnerable adults in the state of Minnesota also violates federal rules and Citibank 's own policy. 

Regards,
I received a loan modification trial plan from XXXX XXXX XXXX on XX/XX/XXXX. Trial Payments were to start on or before XX/XX/XXXX I faithfully paid 3 trial mortgage payments early through XXXX XXXX. The 3rd payment was due onXX/XX/XXXX. I paid it onXX/XX/XXXX XX/XX/XXXX only accepted cash payments. I have all 3 receipts from XX/XX/XXXX. OnXX/XX/XXXX 1 day after the 3rd trial payment was due, my account was transferred to Shellpoint Mortgage. My account was not recognized in Shellpoint 's system untilXX/XX/XXXX. So, all the times I called between XX/XX/XXXX to XX/XX/XXXXI could not get through to a customer service person because they did not recognize my SS # or loan #. Anyway, I was able to contact, my representative XXXX XXXX and she told me how to make the next payment. On XX/XX/XXXX I received a permanent Loan Modification. I faithfully made 5 payments to Shellpoint Mortgage ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ). I have received confirmation numbers for each payment. Yet, they have me owing 5 payments threatening to Foreclose on my home. I have sent Proof of Payments more than 14 times to them both email and fax. They refuse to acknowledge the payments or update my account. ( This is the short version )
XXXX, I opened an account ( Savings and Checking ) with Citibank. On the advice of CITIBANK, the accounts were part of the " XXXX XXXX Banking '' package. Between XXXX and XXXX, I was not charge a monthly fee. 
However, I noticed in XXXX ( as I do not check my accounts frequently ), that starting in mid XXXX, I was charged XXXX {$25.00} per month. My numerous attempts to convert this account to a normal XXXX where I am not charged a fee, attempts to reverse the charges and also attempts to close the accounts through online chats with Citi 's representatives, international calls and messages, have been futile. Instead, I was repeatedly channeled from XXXX division to another, and even when I am in touch with the XXXX Banking Team ( they all do n't speak to each other ), I was told that I could not close the account unless I physically present myself at a Citibank branch in the XXXX ( I am now located in XXXX ), even though I could possibly open a normal account online that does not incur monthly fees. 
The constant inability of CITIBANK to resolve my issues or even assist to close my accounts and point me in the right direction is a violation of my customer rights, not to mention charging me XXXX {$25.00} a month when previously this did not happen.
I have 2 car leases with GM Financial, earlier this year I had set up automatic payments for these accounts, I accidentally made both payments at {$1100.00}, one of the payments was supposed to be {$1100.00}. I was short {$74.00} every month for 5 months. GM Financial kept that shortage on my account and in turn I have 6 30 day lates on my credit. I did not receive a phone call letting me know I would be getting these late notices reported to the credit bureaus. Year to date if I would have made all payments I would have paid {$12000.00}, I have actually paid {$13000.00}. I understand I may have been late 1-2 of those payments but again I was never notified and I have made payments ever month. I called twice to ask to have some or all of these late dings removed from my credit and they said they are not wrong and it is too bad. I asked to speak to a manager and they would not transfer me or let me speak to anyone, the gentleman XXXX XXXX because he would not give me his last name, said his manager was busy and would not talk to me. I have been a GM car owner for 10 plus years and currently have 2 accounts with them and I just do not believe I was treated fairly.
I was never late with on any payments with XXXX XXXX, It has a XX/XX/XXXX late payment reporting on my credit report on all 3 bureaus. I have been a loyal customer since XXXX. I never had a history of late reporting, however there is a history on my reporting XX/XX/XXXX which I dispute. I never disputing XX/XX/XXXX because I thought it was a oversight. The one from XX/XX/XXXX it really seriously affecting me!!!
I am attempting to apply for a loan modification ( through a US government program ) of my mortgage with CitiMortgage ( Loan # XXXX XXXX. I have sent all the required documents. However, they constantly ask for the same documents, and will not start the process. I have sent documents in on 5 separate occasions. Now, specifically they state that the checkstubs I sent did not have an employer name on them. So I sent in copies of the canceled check with the " XXXX '' ( my employer ) clearly on them. The monthly salary amount on these checks matches my checkstubs. Still they have taken no action.
XX/XX/2018, XXXX XXXX has placed themselves on my Experian credit report, since then up until XX/XX/2018 have written to Experian with regard to disputing this action that is listed on my report under Acct. # XXXX, in the amount {$1200.00}. I have provided them with the necessary documents to support my claim, and they have yet to address this issue. Pursuant to Section ( 609 ) of the Fair Credit Reporting Act, consumers disclosure section provides for the protection of consumers against false and erroneous reporting. XXXX XXXX has failed to provide Experian with any proof that this account belongs to me.
I had a balance of {$2700.00} with american Express. It was paid in full on the due date.. Now I received a bill of $ XXXX.for interest. I called them and they contend this is a legitimate charge. because I had made minimum payments in the past. If the balance is paid there is no interest!!! I have paid other cards off in a similar manner and not received a interest charge. I would like to see AMX fined for this and my charge waived. Thank you.
On XX/XX/2017 I accessed my personal credit report on Equifax website ( will attach screenshot ) at that time I no negative items showing because they have all been removed for one reason or another. On XX/XX/XXXX 2 accounts were added back with out a 5 day notice by the FCRA standards that one of Equifax valued employees saying do n't exist. I called spoke with a young lady and resolved my issues with no problem by removing them. On XX/XX/XXXX I went to XX/XX/XXXX and the rep informed me that I have a charge off and collection on my credit report. I immediately contacted Equifax where the rep stated its nothing she can do and there is no such thing as FCRA 5 day notice. I immediately told her that 's not true and began to state facts to her where we still didnt get a resolution. I need the negative information from my credit file immediately. The accounts are XXXX XXXX and XXXX XXXX XXXX. I am very angry that Equifax has yet broken the law again by doing this and then you get rude employees that do n't know the law. I am attaching the information below and expect immediate results. The files i uploaded are proof that those accounts were not on there and had been removed
I got two emails over the weekend. One stating that my deferment request had been approved and the other confirming that the payment term of my loan had changed. This was odd because I never filed a request for a deferment. When I logged into my account, I immediately noticed that my balance had dropped by almost {$6500.00}. Obviously this is great, but I wanted clarification. I called into Navient today and asked A : why was I granted a deferment in which I never requested and B : why has my balance dropped such a significant amount overnight? I was given no definitive answers and was told that they had just received notification from my college that I was no longer a student there. I graduated XX/XX/XXXX. I asked for a copy of that letter and was told that it could not be provided as it was internal use only. They confirmed that my new balance is a correct balance but gave me no answers to my questions. This obviously is startling. It makes me question the legitimacy of this company I 'm paying on a monthly basis to track what I truthfully owe on my loan. How can I trust that this is correct? When looking at statements, I also noticed that even after paying more than the minimum payment amount, my balanced barely moved. You would think that it would reduce the amount owed quicker, however, the balance seemed roughly the same. I just want answers and I want to be able to trust the company I 've been paying for over 10 years on the first of every month religiously. I 've attached my statement as of XX/XX/XXXX as well as my new statement as of XX/XX/XXXX and the deferment approval letter that I got even though I never applied for it.
I believe I am a victim of identity theft. I placed a Fraud Alert on my credit reports this morning ( XX/XX/2018 ) and I filed an FTC Report on the same day as well. Together with my supporting documents such as Drivers License, SSN Card, Utility Billing and FTC Report, I was trying to send EXPERIAN a letter requesting them to block fraudulent items on my report. I tried faxing them the documents but the fax always returns " Failed to send ''. I tried doing this 3 times today and I get the same frustrating result. 

I called their Fraud Department and ask for the right fax number and they say THEY DON'T HAVE A FAX LINE. They ask me to go to their online portal to upload the documents. I went to the page, input all the vital information they required and uploaded the documents I wanted to send but the portal returned " WE'RE CURRENTLY UNABLE TO UPLOAD YOUR DOCUMENTS ''. I checked all the files I uploaded, they are within the right file size and format. So I tried doing it on a different browser, XXXX XXXX, but still FAILED. I tried it on XXXX XXXX and still FAILED. It's really frustrating to work with EXPERIAN. I called the Fraud Department again and notified them that their ONLINE UPLOAD PORTAL IS NOT WORKING. They are insisting that I mail them the documents which is really expensive and will take 30 days for them to respond to. 

I am trying to take action on a case of IDENTITY THEFT and I don't feel Experian understands the urgency of somebody in this situation. Why won't they have a working Fax Line and why is their supposedly " easy '' online upload portal is not working for everybody??