WillisBack/dataset-financial-user-claim huggingface dataset:
I was marketed by Caliber Home Loans via a letter. I applied for the refinance of my home with Caliber Home Loans, only after they assured me that a prior Chapter & BK and included foreclosure would not be an issue. I was charged for an appraisal an we supplied all of the requested documentation to process the loan. 
We are then told that they could not approve the loan based on the BK and Foreclosure. When I mentioned the statement from the loan officer XXXX that she had received written permission regarding this, then the issue of disputes on our credit report were brought up. I requested that information so we could correct those inaccuracies on our credit report. I was told that it would be sent and it was not. 
Now I am told the the Fanny Mae DU system did not accept our loan file. I believe this to not be true and also feel this process of obtaining a XXXX DU finding would have be done in advance of ordering an appraisal. 
I feel that our loan file was not processed in a manner to protect us from un-necessary charges of the appraisal fee and I do request an immediate refund of this expense. 
Thank you.
XXXX/TRANSUNION/XXXX  please see attached documents received from XXXX XXXX in response to the complaint I filed against them through the CFPBs website after they responded to the disputes I filed with each of you respectively that they had validated the ( fraudulent ) account as valid when they had not as well as the complaint I filed against XXXX XXXX today, regardless of their closing the account, because they claimed again that they had validated the debt by receipt of nothing more than a billing statement from the company who allowed the fraudulent accounts to be opened. XXXX/TRANSUNION/XXXX  this is now the third time I have disputed these accounts with XXXX XXXX as fraud and have ended up spending months going through the steps to have the fraudulent accounts removed from the my credit reports. First time I disputed the account, I think, was in XX/XX/XXXX or XX/XX/XXXX when I learned about the first fraudulent account that was opened in XX/XX/XXXX or XX/XX/XXXX ; and again in XX/XX/XXXX or XX/XX/XXXX when the second fraudulent account was opened which XXXX XXXX has combined into one account and continue to sell off the fraudulent account to collection agencies and now 2 years later has sold it to another collection agency, XXXX XXXX   XXXX/TRANSUNION/XXXX, I respectively request, that hereafter, per the FCRA and FDCPA, that you prohibit/block any company from putting this fraudulent account on my credit reports.
Regarding XXXX Credit Card accounts with XXXX. XX/XX/XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX, XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My CPA also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year IRS transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES XXXX and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!
I have sent a certified letter to XXXX, Experian, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX XXXX XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which XXXX, Experian, and XXXX failed to do.
On XX/XX/18 I sent out a certified letter to XXXX XXXX XXXX a collection agency who purchased my account with XXXX XXXX XXXX XXXX to dispute the account on my credit file. XXXX XXXX XXXX recieved and signed for the letter on XX/XX/18 XXXX XXXX XXXX failed to respond to my letter. So I sent out a certified letter to Transunion XX/XX/18 proving I tried to dispute the account Transunion received and signed for the letter XX/XX/18. TransUnion did their investigation and updated : data updates, data closed, and the remarks state : disp invg comp-report by grntr ; >unpaid balance charged off<. This has caused my credit to drop 19 pts because of wrong updating nor did they provide me proof of how the account was verified when the letter I sent specifically asked then to provide with proof as to who they spoke with and how they verified the account as accurate. XXXX XXXX XXXX is no longer on my report but XXXX  XXXX is when XXXX XXXX XXXX bought the account. How is XXXX XXXX still reporting on my credit file as an active charged off account? This erroneous reporting has not only caused my credit rating to drop, but XXXX XXXX XXXX is still calling me asking me to set up payment arrangements.
CFPB Complaint XX/XX/XXXX CFPB Complaint Transunion and a request for a consumer statement be added to a specific account. And/or deletion of the account if it was not the account as listed by the evidence provided by consumer. 

On XX/XX/XXXX I requested a consumer statement be added to the only XXXX Card reporting on my credit report. I fax this request to Transunion on XX/XX/XXXX through ring central. I provided a copy of fax verification. As of printing of my credit report on XX/XX/XXXX it showed no investigation and no change for this account. 
I have requested other consumer statements and always received a quick response. 

Consumer Statement is as follows " XXXX XXXX XXXX XXXX an agent of XXXX XXXX agreed to terminate collecting on this account on XX/XX/XXXX. XXXX XXXX was included in CFPB Complaint XXXX that resulted in XXXX terminating collection efforts. On XX/XX/XXXX XXXX sold the account to XXXX XXXX XXXX XXXX '' I provided a copy of the CFPB complaint # XXXX and related case XXXX that XXXX XXXX XXXX agreed to cease all collection XXXX XXXX, XXXX and a letter from XXXX XXXX that sated the sold the account to XXXX XXXX. On XX/XX/XXXX. 

I further requested that if the information reporting by XXXX XXXX XXXX did not match the account and evidence that was provided. Including a sign letter from XXXX XXXX XXXX, that the account be deleted. No changed resulted in my request not even the consumer statement being added to the account. 
I only have XXXX XXXX XXXX Card. Does the furnisher name not match is that why my consumer statement did not get added? 
This time I am including the first statement for this XXXX XXXX Card, again I only have XXXX account. I do not have any other accounts with XXXX XXXX XXXX. 

Could I please get the consumer statement added to my XXXX XXXX XXXX, I only have XXXX account. 

Thank You I have attached the original fax request XX/XX/XXXX A copy of the page showing XXXX XXXX XXXX reporting on Transunion report file number XXXX report date XX/XX/XXXX No investigation comments have been added to this furnishers ' reporting. 
A copy of XXXX XXXX XXXX first statement for the only account I have under a XXXX XXXX name. 
A copy of letter from XXXX XXXX XXXX, dated XX/XX/XXXX XXXX referencing a XXXX XXXX XXXX as the Creditor and the account ending in XXXX.
XX/XX/2018 tried to settle a debt with XXXX XXXX finance company ( debt collector ). Set ach payment with them and asked to settle remaining debt of {$460.00}. Collector refused and said I have to pay the full amount. The company never disclosed that if I set up an ach it voids me from settling the debt. I think it is unethical. Then they asked to settle debt for {$30.00} less. They also send statements with the amount they draft from me and not a actual balance. Also did not disclose reference number for stop payment of ach.
I HAVE BEEN ASKING FOR VALIDATION AND VERIFICATION ON INACCURATE ACCOUNTS ON MY CREDIT REPORT FROM XXXX   AND THEY REFUSE TO SEND ME THE INFORMATION IM REQUESTED. I HAVE CALLED AND SPOKEN WITH SEVERAL REPS AT XXXX ABOUT  THE INACCURATE REPORTING AND ALSO HAVE MAILED INFO SUPPORTING THAT THE INFORMATION THEY ARE REPORTING IS INCORRECT. XXXX CONTINUES TO STILL REPORT INACCURATE AND FALSE INFORMATION. IVE RECEIVED INFO STATED VERIFIED BUT XXXX REFUSES TO SEND ME THE INFORMATION ON HOW THEY VERIFIED AND WHEN. BELOW I HAVE PROVDER COPIES SHOWING THESE PAID WERE PAID IN FULL AND ARE NOT UNDER BANKRUPTCY. 

ACCTS DISPUTED AND XXXX REFUSED TO CORRECT : 1. XXXX XXXX XXXX- XXXXacct # 2.XXXX XXXX XXXX XXXX-PAID-XXXX acct # 3. XXXX XXXX XXXX PAID-XXXX
On XX/XX/XXXX I mailed a notarized dispute letter to Equifax ( attached ). Equifax has failed to respond within the required 30 day as stipulated under section 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( 3 ) ( B ) of the FCRA. Equifax has also failed to inform me of the results from their investigation 5 business days after they updated my credit report on XX/XX/XXXX. My credit report/disputed items were  updated which resulted in a significant decrease to my credit score from Equifax. A list of updated information from Equifax can be found below and also has been attached. This has gravely affected my chances of obtaining a mortgage loan as my Realtor and I wish to had qualified me for. I am requesting that Equifax immediately delete the accounts referenced below from my credit report : XXXX XXXX XXXX XXXX Account number : XXXX no updates. 
XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history to 81 months on XX/XX/XXXX, this resulted in several charge offs reflecting in the payment history and also several months reflecting in several Pays or Paid as Agreed updates over 81 months following charge offs. I sent Equifax a letter disputing the validity of this account ( i.e. contract ). 
XXXX XXXX XXXX Account number : XXXX Equifax updated credit report/item payment history from 42 to 81 months on XX/XX/XXXX, this resulted in an additional 30 month  payment history reflecting as Pays or Paid as Agreed. The loan duration was 42  months and paid/closed in XX/XX/XXXX. The contract with this company ended in XX/XX/XXXX when I made the last payment. How Equifax was able to obtain a positive payment history for dates afterwards when the last payment was made 30 months ago is beyond me. Again I never received any notification in writing of this update or procedure used to verify account information. 
I am not asking for a request for reinvestigation. Equifax failure to respond to my initial dispute in the timeframe allotted by FCRA means they must delete these items from my credit report pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).
I have listed the case I have open currently with XXXX XXXX in regards to the settlement we have come to and payment being received for Navient student loans. Payment was submitted on XXXX XXXX, 2015 and was received successfully. 

XXXX # XXXX
This company made numerous phone calls to both my work and cell numbers on a daily basis. When voicemails were left by the company, they never specified what the debt was in relation to. In addition, in their voicemails, the first part of the company was inaudible ( as if deliberately done to conceal the full company name ) ; I could only make out " Portfolio '' so I had to do some research on the phone number showing up on my caller ID ( XXXX ). Upon doing a reverse phone number search of XXXX, I was only then able to ascertain the name of the caller as : " Cavalry Portfolio Services. ''
In XXXX of XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with XXXX XXXX XXXX. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and XXXX XXXX as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted XXXX XXXX to discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. XXXX XXXX   has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has XXXX XXXX EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!
I have XXXX accounts on my credit report that are a mixed file or fraud. bankrupcy legal team and XXXX
XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX / Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX7 XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX Credit Report Hard XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXX,XX/XX/XXXXXXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX Credit Report Hard XXXX Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX  Credit Report Hard XXXX XX/XX/XXXXXXXX Credit Report Hard XXXXXX/XX/XXXX XXXX XXXX XXXX Credit Report Hard XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Report Hard XXXX  XX/XX/XXXX XXXX XXXX XXXX I have a fraud alert on my reports because XXXX was hacked and my information was given out. I didn't make these inquiries or even start any of these.
I have a Citibank card through Home Depot, card ending in XXXX I have closed this account as I am not working and unemployed. I went on a plan to pay citibank {$25.00} a month until the credit card is paid off. My first two payments I made Citibank put into other accounts and did not credit me the money. They kept calling me and were extremely rude to me on the phone. I explained I paid, not only the current month, but next month 's payment early. They said they receive no payments. THEY DID. The supervisor realized how Citibank internal process routed my money to the wrong account and mistakenly sent one payment back to my bank. They apologized and gave me a slight credit on this account for the over 3 hours I spent on the phone clearing this up. 

NOW, Citibank found another mysterious account and is harassing me. I have asked them to stop calling my cell phone which I use as my home phone. My home line is just used for business faxes and emergencies. Now, Citibank is calling this line. Citibank is constantly calling my home fax line with a recording, even on Sunday AM. I asked them to communicate through mail with me but they continue to call me. I told them I do not know of any open account I have besides the Home Dept Account ending in XXXX. 

These draconian and rude practices are against the Fair Credit Reporting Act. After I set up a payment schedule on the Citibank card I know about, after they lost my payments, Citibank is now trying to collect on some other card I have never heard of. Citibank is harassing my family and me, on phone lines I have asked them not to call.
I learned that XXXX Systems reported account # XXXX to the credit reporting agency. On or about XXXX XXXX, 2016, I contacted Armor Systems and I stated that I was disputing the debt owed. I was told to put it in writing and email a letter to them. The letter was emailed. On or about XXXX/XXXX/16, I contacted Armor Systems XXXX and XXXX XXXX from the credit department hung up on me stating that she does not have to assist me. Called back and spoke to XXXX XXXX again and she stated that they never received the letter emailed to them on XXXX XXXX, 2016. I again stated to XXXX XXXX that I was disputing the debt and will forward another letter to them. I asked XXXX XXXX what contact information did they have on file for me. XXXX XXXX stated that they tried contacting me at XXXX. I explained to XXXX XXXX that the number is disconnected. XXXX XXXX also stated that they sent a letter to XXXX XXXX XXXX XXXX, XXXX XXXX. I told me XXXX XXXX that I 've never received a letter nor did I receive a phone call. I was not notified by Armor Systems about the debt until it was unfairly reported to the credit bureaus. I should 've been given an opportunity to dispute the debt but instead Armor violated the law by not allowing me the opportunity to dispute it instead the reported it to the credit bureau.
The hard inquiry on credit report was n't made by me the medical should be off I was on medical
On Tuesday, XXXX XXXX, I applied for a checking and savings accounts online with BBVA Compass Bank. I was accepted and asked to deposit {$25.00} for each account ( {$50.00} total ). The next day, I authorized BBVA Compass bank to withdraw the funds from my account. They withdrew the funds and verified this via email. In addition, I checked my account the verified that the funds had been withdrawn. Once that was completed, I was given the information to set up online. I did that by creating a user name and password. I was told that the funds would not be available for 2- 3 days and I would receive a debit card in 7-14 business days. Again, this communication was via email. I logged into my account via the web on Wednesday and Thursday. On Thursday, XXXX XXXX, I received an email stating that my user access had been disabled. There was no indication on the email as to why it had been disabled. However, the email stated that, " If you believe this change was made in error, or if you have further questions, please contact ... '' I contacted the number in the email 3 times. The first call was answered but I had been on hold for nearly 10 minutes before a representative answered the line. By that time, I had to go ( I was on a break at work ). I called in the afternoon and waited 30 minutes on hold before hanging up. Finally, later that day, I was able to speak with a representative. Her name was XXXX and I explained to her from the beginning that I did not have the account number. This was because this information was not given in an email ( I understand completely ) and I had not received any written documentation at the time. She said that was fine and she would be able to verify me in other ways. Which she did. Once that was completed, she placed me on hold and said that more documentation was needed. She told me what information was needed and where to email it. During this interaction, I began to feel as if I was getting the run around. The representative told me they had not received payment from me. I explained to her that her company sent emails stating they had received funds. In addition, the funds were taken from my account. I began to feel uneasy and told her I wanted to cancel the accounts and receive a refund. I asked to speak with a supervisor. She placed me on hold and said that a supervisor would call me back in 48 hours. I questioned this because it was Thursday evening. I asked her if they made calls on the weekends and she said they did. On Friday, XXXX XXXX, I emailed the required documentation to BBVA and requested that the accounts be closed and I receive a refund immediately. I later received an email from XXXX XXXX stating that they had received my information and that my information had been forwarded it to 'corporate investigations ' for review but my concerns have not been addressed by this bank ( why the online access was disable and why they show they had received no funds ). In closing, I want to close these accounts and I want my money returned.
Coinbase.com has closed account without reason and locked funds.

I have an account in good standing but Coinbase decided to close it and lock my funds. Several thousand dollars. I know it was silly to trust Coinbase in the first place with a large sum of money. Every time I contact support about the issue I am fed the same auto response. This has gone on for months now and I am not sure where to complain to about this shady company.

Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update.

Please let me know if the matter develops further as we investigate.
Regarding a Citi credit card, Citi can not /will not display a pdf monthly statement through my account on their website. Without that information, I do not have a billing address and can not pay any balance. Citi representatives keep recommending to " clear cookies '' on my computer, but the problem is on their website. I believe this is intentional fraud on the part of Citi who does not want me to have a statement and thus can charge late fees, penalties, and attempt to damage my credit. This practice should be investigated. Consumers should have the right to receive a monthly statement.
The company i

s Equifax Credit Bureau. Contacted twice. This is the only Credit Bureau reporting this as a negative in my credit. They indicate three negative items on my Credit Bureau report causing a reduced Credit Score. The item in question is : *You have not established a long revolving and/or open-ended account credit history. ( description -- you have not established a long revolving and/or open account credit history -- Your first revolving and/or open-ended account was opened 15 yrs, 10 months ago. ( in your case the age of your oldest revolving and/or open-ended account and /or average age of your revolving credit is relatively " low ''. 15 yrs, 10 months is relatively low? No other Credit Bureau has this listed on my credit bureau as a negative.
There are reported accounts ( original creditor was allegedly ) by the Creditor receivables performance management ( XXXX from here on ) on each of the three major credit bureaus that have not been validated with my correct address, name, or personal information. They are reported with the same owed amount, but have several Non matching dates of being opened. i.e 2 accounts for {$880.00} one opened in XX/XX/XXXX and the other in XX/XX/XXXX. ( One I  've never had, and the other is an amount I 've never owed at all. ) One of said accounts is reported as being opened inXX/XX/XXXX. I have never owned any account, or opened an account with XXXX within the last several years. When attempting to contact them, they say submitting a claim will NOT result in a formal investigation, but will be handed to a creditor who will attempt to find a resolution. I believe they are attempting to buy debts and assign them to whomever they please without due diligence. I have contacted the credit bureaus via certified mail to formally complain and dispute all accounts. They should n't be allowed to do this to people, especially people unaware.
Due too hippa law information was shared to a collection agency and or 3rd party without my consent or permission!!!
I have WRITTEN Equifax on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.