WillisBack/dataset-financial-user-claim huggingface dataset:
I am attempting to obtain a mortgage loan, and noted in my credit report an item from XXXX ( XXXX ), a debt collection agency in XXXX, WA. Because I was unfamiliar with this item, I contacted XXXX, and was informed that the account listed on my credit report ( XXXX ) was not my account, and instead belongs to a XXXX ( a name which is very similar to my own ). Because time is of the essence, I requested that XXXX provide the credit bureau documentation stating that I do not owe this debt, so that the item could be cleared from my credit report. I was told that they were unwilling to provide such documentation because the mistake was made by the credit bureau, and not XXXX. I then contacted TransUnion, I was told that the mistake was made by XXXX, and that my only recourse was to dispute the items and wait for XXXX to respond, which could take up to 30 days, or to request a letter from XXXX documenting the error. When I informed TransUnion of XXXX 's refusal to provide such documentation, they stated repeatedly there was nothing they could do, because " it 's not our error. '' Frankly, it is infuriating for two companies to each be playing the blame game, pointing the finger at the other, and leaving the consumer mired in red tape and caught in the cross-fire. Further, waiting 30 days could delay closing on my mortgage and jeopardize my ability to complete the purchase of a home. Both Trans Union and XXXX should be accountable for fixing mistakes. Particularly because Trans Union earns revenue from credit reporting, it 's completely inappropriate that they should directly benefit from reporting erroneous information, and claim that they have no responsibility in correcting mistakes beyond filing a dispute. They should have processes in place to expedite claims, or otherwise assist consumers who report incorrect information. The current system is akin to being held hostage by a credit reporting agency who is in cahoots with a crooked collection agency.
I took out private student loans from XXXX, now Navient, and have been paying them off while I completed my XXXX and XXXX degrees. I have never been late for a payment and have even paid double what was owed several times in the past although not lately. Over the years my monthly payment would increase by a few dollars at a time, but then in XX/XX/2016 my payment tripled. In order to be able to qualify for a more manageable payment amount, I applied to release my cosigner of the loan. I met every single requirement that was listed on Navient 's website and provided them with every document needed in order to do so, but when I called Navient a few weeks later, I was told that they found something in my credit report that disqualified me. They never specified what they found in my credit report and certainly did not list credit status as a qualification for the release of aforementioned cosigner. I would have never entered into such a one sided agreement where the rules are arbitrarily dictated by the lender.
DiTech Financial ( DF ), formerly known as Green Tree Servicing, is reporting information on my credit report in direct opposition to an Stipulated Order for Permanent Injunction and Monetary Judgment ( XXXX ). I have contacted DF and sent them a copy of injunction. No action has taken place as far as removing the information from my credit report.
CMRE Finance   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX  Dat e  XX/XX/XXXX  Dear C  MRE Finance  After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in (   XX/XX/XXXX  )    on my   XXXX   report. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.     Additionally, I am allowed under the Health Insurance Portability and Accountability Act (  HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA  authorization.     Please provide breakdown of fees including any collection costs and medical charges.   Provide a copy of my signature with the provider of service to release my medical information to you.   Cease any credit bureau reporting until the debt has been validated by me.     Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be  HIPAA compliant can be a violation of the FDCPA becaus e you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.     Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.     Sincerely,  XXXX   XXXX   XXXX
I just relieved a notice from Chase that my Chase Saphhire account interest rate will go up at the end of XX/XX/XXXX ( XX/XX/2018 ). My current rate is 13.24 % and the new rate is 16.99 % - both variable. Here is my complaint : The notice that was sent, which I know is likely the least needed that is required, appears to be junk mail, and gives a very unclear understanding of what is occurring with the card rate. Although it clearly states what the NEW RATE will be, come XX/XX/18, it does not mention at all what the CURRENT RATE is, nor the what the INCREASE will be. It does not even state anywhere that the RATE IS INCREASING, and could easily be mistaken for a DECREASE in variable rate. I believe very strongly this is a form of deceptive practices that will prey on other consumers. There is no good way for a consumer to just what is fair if they are not being told clearly how their terms are changing. While I am sure the Bank ( JPMC ) would argue that a consumer needs to know their current terms, consider someone like myself who has had this card for at least 8 years or more, and hears % rates constantly for all sorts of reasons. I do n't remember, and I fear for older card holders and those not as able to recognize what is occurring or who may not understand that terms are allowed to change. I believe that JPMC could at least have been transparent about the change from OLD TERMS to NEW TERMS rather than just stating what NEW TERMS will take affect. Please communicate this problem to them clearly. I have spoken to their customer service about this problem but likely they will not do anything for which they are not explicitly required. Sending the notice in this drab legalese type B/W format, while XXXX knows any advertisement would be full of color and glossy with pretty photos, is obviously also an attempt to disguise the change and have consumers ignore it. It is a shame XXXX XXXX must n't be rich enough he has to take advantage of people. He must think consumers and the CFPB are all stupid. XXXX.
I keep getting calls from there collection agency threatening to sue me and take me to jail and harassing my family with threats I 'm afraid to go to work and school because they said they will find me there and they have threaten to get me fired the agency Director is rude and threaten to come after my wages and family 's
There is big mistake in my report, I have never paid late this account : OFFICE OF THE ATTY GEN/ TTORNEY GENERAL CHI/ OAG CHILD SU - Account #  XXXX
On XX/XX/2018I pulled a copy of my Equifax Credit Report through XXXX. Upon reviewing it I noticed that there were several hard inquiries listed that I did not recall authorizing. Given the recent data breach issues that have taken place with both Equifax and XXXX I began to suspect that someone had obtained my personal information and attempted to apply for credit using it so I contacted Equifax to dispute these inquiries. The customer service representative I spoke with was very polite and immediately filed disputes for each of the hard inquiries I indicated I had not authorized. After filing the disputes the representative informed me that it could take up to 30 days for the disputes to be reviewed and researched so it could take up to 30 days before I would hear back about the results which I understood. As of todays date, XX/XX/2018, I still have not received any information regarding he results of my dispute. I have not received a letter in the mail, an email, or a phone call, and it has been well over 30 days. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. That fact that I have not received any further communication from the CRA regarding my disputes one can assume there was no investigation into this matter. I plan to purchase a home this year and having this many hard inquiries on my credit negatively impacts my credit profile and score which in turn makes it difficult to obtain a mortgage. I am submitting this complaint due to a lack of investigation AND response to my original dispute for hard inquires that I did not authorize as this is unfair practices by a credit reporting agency with no concern for the credit worthiness of its consumers.
I initiated a dispute with equifax via BBB on XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As of XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XXXX the account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XXXX and as of XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how equifax " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor equifax. And it is obviously wayyyy beyond 30 days. Equifax continues to stall vs remedying the situation. I received a statement that their was an " unauthorized third party ''. What and whom is this third party. At this point I am ready and willing to seek legal counsel again equifax for every violation. Because once again equifax has chose to ignore my request
Existing credit card statements attempt to be transparent by generally indicating the following computation, " This unpaid balance will be paid in full in _____years by making the indicated minimum payment ''. 

This is partially helpful however a very simple additional statement which is obviously simple to add to the statement would be much more transparent ''. 

" Your most recent payment was $ _________. If this payment amount is continued the unpaid balance will be paid _______________. '' In my proposed addition and change to the transparency the credit card user will more fully understand that higher payment amounts than minimum will result in faster payoff and also lower payment amounts than minimum will result in slower payoffs including possibly " never '' getting paid off if the payment amount is less than the minimum payment ''.
XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent. An extended 7 year alert was placed with each of the credit bureaus with XXXX, Experian and XXXX. A request for Experian to remove the 7 year alert was submitted certified mail XX/XX/2018. While the return receipt was received that Experian received the request my client advised his Experian credit report still has the 7 year alert listed. An Experian credit report was obtain and while no alert appeared to be listed an attempt to secure a loan was made and then stopped due to the lender confirming Experian had the 7 year alert listed. A second request was mailed again and my client has attempted to use the online services with no success. He has also attempted to make contact with Experian via the live operator number XXXX however there was no help provided to assist in resolving this issue.
I received a phone call telling me my grand daughter was in an accident and needed to get home. They even put a girl online that sounded just like her. She needed to pay the rental car {$650.00} so that she could get home. They kept calling to get more money. This is when I realized something was not right.
Helloo.. 
My name is XXXX XXXX, I signed up with XXXX XXXX XXXX XXXX XXXX and put {$150.00} plus 5 more payments plan which is equal {$750.00} And I just find out they are a total scam. They stole money from me and I just want it back to put towards my actual loans please. Anyone have any information on how to get our money back?
This is incredible ... I'm a consumer of the worst bank in Puerto Rico and the worst mobile company too.

Look at this. A twice charge of what? In the same day.

Why this people is working ... if that's what can it be call. XXXX XXXX!  AND I TRIED TO REACH THEM BUT THEY NEVER, NEVER FIND MY INFORMATION.
On XX/XX/XXXX I received a direct deposit from XXXX XXXX XXXX I it had a overdraft payment on it the total was XXXX was suppose to be sent to me in the mail in 6 days never showed up so on XX/XX/XXXX it was sent to treasury department and routing # XXXX acct # XXXX XXXX XXXX. Check number XXXX amount XXXX brinks meltdowns per paid card I have the XXXX XXXX card now and XX/XX/XXXX and still have n't received the funds and been to social security 5 times and to no avail no money yet
On XX/XX/XXXX, I submitted an online application at XXXX mortgage giving permission to pull my credit for a loan. Two weeks later, XXXX pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. 

The following are the emails from XXXX mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. 

Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. 

Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. 

I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.
I applied for a Capital One secured card in 2014, which is advertised as a way to rebuild credit. I was approved with a deposit that I was told that I would get back after showing good usage of the card. I was even told that my card could be upgraded. However, though I 've never been late on a payment, when I attempted to get my deposit back, I was told I had to close the card. Capital One has even increased the credit limit on my card without an additional deposit and without me asking. 
Capital One can not advertise a card as helping to rebuild credit and promising people to get their deposits back when you have to close the card ( hurting your credit ) in order to get your deposit back.
During a recent transfer of my mortgage from CitiMortgage to XXXX XXXX I received a notice in the mail approximately 60 days prior that stated business would continue as usual and at that time would need to make appropriate measures to insure my mortgage was paid with XXXX XXXX. I established an automatic draft with my credit union to begin on XX/XX/XXXX ( the date the transfer became official ) to be paid to XXXX XXXX. Prior to the allotment to XXXX XXXX, CitiMortgage arranged with a subordinate company to draft biweekly payments from my bank account and continued into XX/XX/XXXX. I called the CitiMortgage biweekly plan manager. The staff member ( XXXX Employee # XXXX ) was not able to assist my request and stated I needed to send a written request to stop the payment. Thus, I asked to speak to a manager. She immediately came back and stated " the account managers were in meeting for the next hour ''. I asked if they could call me back to which XXXX stated " no, they don't have the ability to call back. I stated that I could end up in a perpetual state of call back if I didn't time my call just right. It didn't matter. My ONLY option was to call back. This inaction to stop " hijacking '' of my money should be illegal. It could place a financial burden on homeowners. The option to cancel a payment just as it is started or even the action to sell my mortgage to someone else should all face the same rules. I didn't ask to have my mortgage sold and they should have requested a written approval from me if they are going to continue to ROB my account until I submit a written request to stop it. This entire process of transferring my mortgage has been a fiasco. XXXX XXXX sent the message of action XX/XX/XXXX) after the action was already enabled thus they were behind the power curve to allow me ample time to resolve the issue without additional funds being drained from my account. With the biweekly call I requested to stay on hold until the account manager was available ; after ~15 minutes I was disconnected.
XXXX XXXX XXXX has damaging my credit for reporting false information to my XXXX credit agency wich law my scores and stoping me feom geting loans the company has removed this negative information from other credit agencies as XXXX and XXXX
After filing a former complaint through the CFPB, Equifax closed the dispute and said " There are one or more accounts with a major derogatory event in your credit file '' but when I try to dispute any negative accounts listed on my credit report, there aren't any to dispute. It says on my credit report " there are no negative accounts to display ''
XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
XXXX keeps reporting an old credit inquiry on my credit bureau reports from the 4 major credit bureaus. This inquiry is from XX/XX/2016

This inquiry should be deleted from my credit files at the 4 bureaus, because it is so old. 

My credit score has gone down because of this outdated inquiry.