WillisBack/dataset-financial-user-claim huggingface dataset:
In accordance with the Fair Credit Reporting Act, I respectfully asked the bureaus to investigate my claim and, if after your investigation they find my claim to be valid and accurate, I ask that they immediately delete the unauthorized inquiries outlined Furthermore, I asked that the bureaus send a corrected copy of my credit profile to me at the address I PROVIDED on letters sent. I explained to the bureaus By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.I KNOW the bureaus have a duty in accordance to the fair credit act to report true and accurate information on consumers report .That has n't been the case .It appears these bureaus are more out to receive money from these companies and XXXX consumers. 
I know for a fact that my account was compromised by THE XXXX BREECH .I had XXXX inquires as of XX/XX/XXXX -XXXX 2017 all of a sudden old unauthorized inquires that had been disputed and removed reappeared along with some new inquires. I have so many unauthorized & UNKNOWN inquires REPORTING on all 3 of my consumer reports. I had names that was n't mine, debt, accounts and addresses that was removed because they was reporting on my credit but not mine. I sent letters to ever last company on my file that is reporting these inquires i do n't authorize and have no knowledge of .NOT ONE HAS RESPONED .I SENT 3 LETTERS TO THE BUREAS ASKING THEM TO INVESTIGATE THESE unknown and unauthorized inquires. I also called and was told to dispute it with creditors in which i did and received no reply .It amazes me how these bureaus can allow people to use your information without your knowledge but want help consumers by protecting our information from these companies and etc. PLEASE HELP ME TO MAKE THESE BUREAUS FOLLOW THE LAW AND NOT KEEP XXXX CONSUMERS LIKE MYSELF
add to complaint XXXX XXXX Titlemax XXXX XX/XX/XXXX On XX/XX/XXXX Titlemax sent a repossession agent to my home. 
The XX/XX/XXXX XXXX XXXX that was repossessed contained personal property that was NOT on the TitleMAx loan. Also the repossession agent is in direct violation of the below Texas XXXX. 

The tow truck operator must send the registered owner a notice by certified mail, return receipt, within XXXX days of the repossession. Texas Occupations XXXX XXXX. This notice has to explain the daily vehicle storage rate, the first day on which storage charges are calculated, the type and amount of any other charges to be paid when the vehicle is claimed ( such as personal property fees XXXX, and the facility 's operating hours. Texas Occupations XXXX XXXX. 

The list of inventory taken with the XX/XX/XXXX XXXX liberty XXXX. XXXX XXXX Boxes full of tools. 
XXXX. Battery charger, car start kit XXXX. Documents, Forms XXXX. XXXX jumper cables XXXX. XXXX pair of sun glasses
There are several concerns regarding my USAA accounts ( Checking and Savings, Auto Loan and Credit card accounts ) CONCERNS : GENDER BIAS actions of USAA representatives and Staff Members 1. UNAUTHORIZED CLOSURE OF ACCOUNTS with penalty ONLY directed towards XXXX XXXX for Tradeline activities. XXXX XXXX engaged in Tradeline activities and his signed XXXX with other signed blank forms to add authorized user for another creditor sent to XXXX XXXX on XX/XX/2018. Mr. XXXX has not responded to email communication regarding this matter. The inference from USAA representatives was that all accounts were closed. 
2. DENIED ACCESS to all my ACCOUNT DETAILS and on XX/XX/2018 I did request printed account details since inceptions but my email request to Mr. XXXX remain unanswered. Additionally, I requested address/contact address for subpoena since XX/XX/XXXX. However, since these are my accounts, NO SUBPEONA is required. I should not have to incur legal cost to get what I rightfully can have. I believe the denial of access was only done to affect my ability to obtain account information that would help in divorce court proceedings. I need all my accounts information printed and sent to me immediately. My husband did the same account closure of another joint account and that bank had no issues provided my information to me. 
3. UNAUTHORIZED DISCLOSURE of my changed physical address despite requests to NOT do so. ( Violates NO CONTACT ORDER per SOUTH CAROLINA FAMILY COURT entered on XX/XX/2018 and this court order sent to Mr. XXXX via email on XX/XX/2018 ). Mr. XXXX refused to enter any address information into the system for safety reason when I spoke to him on or about XX/XX/2018. On XX/XX/2018 I called USAA due to receiving more letters directly to my new address ( although I never authorize this ) and learned that the address is changed in USAAs system and could not be altered by the representative who attempted to change the data back to my old address. My mail is forwarded to my new address and I always received on line statements. USAA also sent mail to me XX/XX/2018 indicating that the United States Postal Service provided them my new address. For safety reasons the USPS does not provide forwarded information and I discussed this fact with representatives. They lied and I did file a complaint with the Postal Inspector. 
4. FAILURE to INFORM me on how/when Id receive AUTO LOAN and CREDIT CARD Payments after USAA account closures. I had to call USAA ( multiple timesXX/XX/XXXX-XX/XX/XXXX ) regarding this and still could not get information on how to make payments. Due to account access denial there is no ability to view details despite multiple placed call from XX/XX/XXXX-XX/XX/XXXX. One representative attempted to reset password but due to higher level decisions, this did not work. I received the first credit card payment to my mail box since viewing the information last XX/XX/2018 on XX/XX/2018.
I had a 10 year fix that was going to adjust I had written Chase about this and requested a modification for months I tried to communicate with Chase Lending dept via telephone and letters stating I will not be able to support this load once it adjust, in time a letter was sent stating because of my on time payment history they could not help me. XXXX day in XXXX of 2012 I receive a call for Chase lending dept saying they were going to fix my loan I was surprised the man I spoke with told me I had 24 hr to accept this offer, I then asked him was going to be through the Government Program Call Harp I ask him if my mortgage would be reduced he did not respond the more question I asked him about this he made it quite clear that if I did not accept the deal it would be off, so I agreed to it. He came back with a 30 year fix at 4.5 % and reduced my mortgage by {$5.00}. just recently another bank offered to refinance my loan and they asked me about the Harp program and they said I qualify for it and while processing the paper work an issue came up which disqualified me, it was because Chase did a refinance and not the Harp program I belief this was because they wanted to the amount of dollars coming in now I can not get into the Harp program or refinance a a lower Interest rate they should have done the Harp program for me and my family. 
I would like for Chase to Modify my loan and reduce my Interest rate I tried to call and my number must be on a list because every time I call I get a recording that say 's we can not process you call at this time, I 've also mention about the XXXX XXXX dollars they were supposed to use to help out their customer and guess what they know nothing about this I would like some assistance from Chase to set me up in the Harp Program and reduce my payments.
I created a payment plan for my private loan the middle of last year that was suppose to last a year. They stopped taking the money out of my account around the time I filed bankruptcy so I thought it was charged off. My US education loan sent me mail saying I had to start paying them. I checked my account and realized I owed on my private loan also. I called they informed that since it wasnt charged off that I had to repay and I couldnt get my original payment plan back. I explained how I couldnt afford XXXX dollars a month especially having to pay my other loan back. They said there werent any programs that would reduce my payment. If I just pay what I can afford the late fee will still accrue. Is there anyway to get my original payment plan back?
As a Chase checking account holder for many years, I am very shocked and and surprised they declined my credit card application on XX/XX/2016. XXXX number for this transaction is XXXX. 

As a practicing attorney for nearly 21 years, I have n't seen the reason for declining the application ; " Too many credit cards opened in the last 2 years. '' Nowhere on their credit application does it state where it will decline one based on their number of open credit cards during the past 2 years. If this was stated beforehand, I would n't have applied for a Chase Slate Card. 

This created a " hard inquiry '' on my credit report and based on Chase Bank not disclosing such information, I am requesting they remove this hard inquiry from my XXXX credit report or to open and grant a credit card account, as I initially requested. 

I hope Chase Bank can resolve this issue immediately by either removing inquiry or opening a chase credit account based on my income, assets and information on my application.
I paid a company named XXXX XXXX XXXX a total of {$14000.00} over several cards and transactions for a custom e-commerce website and coaching services. They made all kind of promises of income between $ XXXX- $ XXXX a year. It has been over a year and I find that I have not made a penny. Besides that the coaching did n't exist and the " custom '' site was nothing more than a substandard, rudimentary, cookie cutter that was never completed. They never finished the logo, never provided any marketing or the coding thumb drive as promised. They ripped me off and I am hoping that someone at my bank can help me get my money back. This company is still operating and I would like to dispute these charges. Services were not rendered and what I received was not what was described. I will be reporting them to the FTC as they are clearly violating the laws and need to be shut down. Please help me.
I have been sending my payments in on time, sometimes they come back as returned, i have setup autopay sometimes they discontinue it because of system errors, i have called in to make payments and they were never processed properly.
I have written and contacted Equifax so many times, and their most recent XXXX involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.
I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.
I rented a car paid for with  my U.S. Bank Visa  card. The car had over  XXXX  miles on it and had a carbon monoxide leak unbeknownst to me. I became unconscous while driving due to the carbon monoxide poisoning and crashed into a telphone pole. I filed all papers in my possession and asked the rental car company for repair documents, etc, which were never in my possession. They iniitially said they would provide them but then ignored my ema ils. U.S. Bank refused to proess the claim because they said " I should have kept copies of the papers. '' I did keep copies of the papers in my possession, but obviously I could n't get copies of papers the rental agency refused to provide. U.S. Bank refuses to reimburse me
Specialized Loan Servicing sls.servicingloans.com XXXX XXXX XXXX # This company drafted a payment in the amount of {$1600.00} from a bank account WITHOUT authorization, and also the payment was taken form a bank account that belongs to another business. This happened in the past already!!! They serviced other loans in the past, we own several XXXX  that own XXXX XXXX. Not only did they mix up the bank account but also they drafted payment without authorization at least twice. This mistake messes up our accounting and it also has tax consequences!!! This is unacceptable, they MUST follow regulation, train their personnel or get out of the market.
I applied online to Consumer RealEstate Financial Co I was instantly prespproved for a {$15000.00} loan I found a home sent all necessary paperwork this company had me send paperwork more than 3 times I had to pay {$570.00} for an appraisal that they picked and had to take a class which I paid {$75.00} they said if I took the class I would get a better interest rate all this went on for months by the end of the 3 month they said I would have to pay my car and a credit card off my realestate agent also had trouble getting someone to call them back about certain questions at the end of the third month the seller was ready to put house back on the market because this fianc was still slacking on the loan my realestate agent told me to submit everything to a local fianc company I did so and closed within 10 days for a fixed lower rate that the other company was gon na do those 3 months were a nightmare I feel that I should be reimbursed the monies for the appraisal ( which the fianc company I was approved ) could not use and reimbursed for the class I had to take. I appreciate help getting my money back XXXX
Experian update a fraud alert on my credit report but did not send me an updated report as promised. 

We have received a letter from Experian today concerning a " FRAUD ALERT '' placed on my credit report by a financial institution. The letter does not include an updated credit report as promise by your customer service person. I would like an updated credit report as promised.
Equifax is still reporting an account that falls under an agreement they created,  National Consumer Assistance Plan.      I received my dispute results on  X/XX/2017   , confirmation #  XXXX .     XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  MD  XXXX  In my dispute, I asked Equifax to follow the rules they created. This account contains eviction fees.     Equifax is not enforcing their own agreement.
On XX/XX/2015 my car loan was paid in full. This is annotated on my XXXX credit report. I have tried to contact the company to have them updat it to the other credit bureaus but I was unsuccessful.
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and CAPITAL ONE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX.XX/XX/XXXX, XX/XX/XXXX /  XX/XX/XXXX-XX/XX/XXXX.
On XXXX XXXX, 2016 I reviewed my credit report and noticed accounts that I do not recall. These accounts claim that I owe Wakefield and Associates. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting specific information regarding the accounts they claim I owe them. On XXXX XXXX, 2016 I received a verification letter from Wakefield and Associates. They did not respond according my validation letter. I am requesting that they provide specific information regarding the accounts they claim I owe them.
Over the past 6 months I have paid my mortgage early or on time and each month Ditech Financial LLC representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. 

Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since Ditech could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. 

This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. 

I have attached the records that are available to me on line so you can see the payment from theXX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. 

I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. 

Thank you,
There were faults done by both the Dealership I purchased this vehicle from XXXX XXXX as well the Creditor Nicholas Financial. First off thank god the dealership was caught red handed and the government shut them down and a class action was filed. But the dealer offered a warranty that they did not back, I had multiple issues with this vehicle and they refused to fix with the purchased warranty, so I had to return it. And that 's not the creditor 's fault I blame them zero for that so I never approached it. My problem with the creditor is they improperly handled my case. By law they have to notify me that my car was being sold so I have the option to buy. Then it was sold and and any money owed to me or owed to the creditor has never been updated. In their system the original price was roughly {$9000.00} and I owe them {$13000.00} on a XXXX loan. They show no credit for my car being sold taken off of the balance. So they have double dipped on my automobile. They got the car back and did n't credit me for the sale price. Well I searched the vin and contacted the purchaser, he purchased it as is from an auction in north Carolina for {$10000.00}. My question is where is the credit for the sold amount? Please take a look at my file for yourself and see nothing has been updated and I owe {$13000.00} on a {$9000.00} vehicle with NO CREDIT from the sale of the vehicle. The question further in this is did they claim the full {$13000.00} tax loss when they received money from the sale of my vehicle? If this proceeds a further in depth look will be done.
My name is XXXX XXXX I had a bankruptcy discharge all of my debt XXXX XXXX XXXX including a mortgage that I had initially took out with XXXX subsequent to that the loan was given to XXXX XXXX XXXX then ultimately to Greent Tree. Green tree contacted me inXXXX of XXXX asking if I wanted a loan modification they assured me that the had no intention of reporting any late payments to the credit bureaus because it was discharged, further ore I told them I would consider a loan modification subject to them sending me a letter stating such. They furthermore assured me that if I went thru the trial process and was approved upon me completing the trial period a new loan would be issued and any activity done as a result WOULD. Be reported to the credit bureaus. They even went as far as to say that since my modification was post bankruptcy there would be a new term date and it would be treated like a new loan. I just checked my credit report and there is no reporting of on time payments as promised, the new loan has a start date of XXXX XXXX XXXX final payoff XXXX XXXX XXXX. I contacted green tree this morning and was informed that this was not the case. They are refusing to stand behind their word that due to my bankruptcy being fully discharged the loan was considered new subsequently every payment I have made on my home is now NOT BEING REPORTED. They assured me by XXXX XXXX XXXX all my payments post XXXX XXXX XXXX would be reported to the credit agencies. Please assist me in making this bank do as they agree. Thank you XXXX XXXX
Since XXXX XXXX, I have been receiving information from Navient that my interest-only payments will be ending soon. Just today, XXXX XXXX, XXXX, I receive such an e-mail notice. I kept logging into my online account information with Navient, and that information noted that the Interest-Only-Payments will be ending XXXX/XXXX/XXXX ( see attached ). I decided to call to see what the urgency of the e-mail alerts about the payments ending soon. The online rep checked my account and stated that there is no such information about the IOPs ending in XXXX. While the rep was on the phone, I logged into my account, and sure enough the loan details stated that the IOPs would be ending in XXXX. She pretended not to have that information until I became very firm in my voice that the XXXX was, indeed, posted to my account. Then the Navient rep stated that the information needed to be updated and that the deadline was XXXX XXXX, XXXX -- this was the first time I was given a date. I asked my payments because in those alerts and online there is no mention of the updated payment amount. The rep stated that my payments would be {$220.00}, and I informed her that there needs to be a payment adjustment because I was on XXXX and no way could I make this payment on short notice nor in the future. I asked to speak with an account specialist, and she attempted to find an alternate program and discovered that the phone rep had given me the wrong information regarding my payments. The payment adjustment for XXXX XXXX, XXXX will be {$85.00} and not {$220.00}. This is nothing more than a payday loan establishment with the interest rate climbing by the day.
I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 Portfolio Recovery original XXXX XXXX XXXX total {$740.00}
In 2014, my husband and I separated. During that time he missed some payments on the mortgage. There is some payments that we made that were never posted to our account. Our home owners insurance premiums in our escrow is way off as well. We have tried to clear these issues up with them but have been unsuccessful. We applied for a home modification, but the terms of modification would have left us owing way more on our home than it is worth. We continued to pay our mortgage payments but XX/XX/XXXX, Bank of America refunded our payments and the house is now in foreclosure. We are not allowed to make payments on the house anymore. We drove 3 1/2 hours one way and spent over 4 hours applying for principal reduction but was advised that we can not get one. We owe about $ XXXX on our home and it is only worth about $ XXXX. We filed for bankruptcy many years ago and Bank of America did not reaffirm our loan so we can walk away for the house without any penalties. We want very much so to keep our home but we can not reaffirm the loan owing way more than it is worth. We have tried to work something out with Bank of America but have been unsuccessful.