WillisBack/dataset-financial-user-claim huggingface dataset:
ON XX/XX/XXXX I HAVE RECEIVED AN " URGENT ACCOUNT NOTICE '' FROM CITIBANK, TELLING ME TO GET IN CONTACT WITH CITIBANK IMMEDIATELY, OR MY ACCOUNT WILL BE BLOCKED, IF I DON'T RESPOND IN TIMELY MANNER. 
I WAS SHOCKED WITH THEIR APPROACH REGARDING MY ACCOUNT. I HAVE NEVER RECEIVED AN " OVERNIGHT '' LETTER FROM A BANK, WITH SUCH AN URGENCY. I'M A AMERICAN CITIZEN, CAME TO THE UNITED STATES IN XX/XX/XXXX, NEVER EVER HAD ANYTHING LIKE THIS HAPPEN TO ME. 
I DID EVERYTHING THEY ASK ME TO DO, WENT TO THE LOCAL BRANCH, SPOKE WITH THE MANAGER, SHE CALLED THESE PEOPLE, THEY CALL THEMSELVES, " XXXX '', ( XXXX XXXX XXXX  ), CAME BACK TO ME AND SAID : " EVERYTHING WAS O.K. '' TO DISREGARD THE FIRST LETTER FROM THE BANK, WHICH I DID. 
IT HAPPEN AGAIN, GOT ANOTHER " OVERNIGHT '' LETTER, THREATENING ME, THAT MY ACCOUNT WILL BE " BLOCKED '', IF I DON'T GIVE THEM NEEDED INFORMATION. I WENT BACK TO THE BANK, A COUPLE OF TIMES, TRYING TO STRAIGHTEN UP THIS PROBLEM, SPOKE WITH 2 MORE PEOPLE, TOLD THEM TO TAKE COPIES OF MY " TRUST '', MAKE SURE MY ACCOUNT STAYS OPEN, SINCE I'LL BE GOING ON VACATION OVERSEAS, IN FEW DAYS. 
I DID EVERYTHING POSSIBLE TO MAKE SURE TO KEEP MY ACCOUNT OPEN, SINCE ALL OF MY BILLS ARE PAID ON LINE. 
WELL, AFTER ALL OF MY EFFORTS TO KEEP THIS BANK ACCOUNT OPEN, CITIBANK BLOCK IT.
This complaint is in regards to an account reporting to the credit bureaus by XXXX XXXX. In review of my consumer report in XX/XX/XXXX, I requested validation of the account listed on my report for an amount of {$1800.00}. I sent a validation request on XX/XX/XXXX via certified mail and received receipt that it was received on XX/XX/XXXX. The information came back verified and accurate, but I was never supplied with the requested signed contract, breakdown of fees and billing totaling the referenced amount that I allegedly owe this company. I then sent another request to validate this debt with the above documentation including any communication and contracts with my signature, via certified mail in XX/XX/XXXX. I never received the signed receipt from the certified letter, although on XX/XX/18, I received another response from the credit agencies that the information was verified and updated, with no documentation or validation of the information used to supposedly validate the debt in the amount of {$1800.00}. This is in clear violation of my rights under FCRA.
I disputed this collection account with all three credit bureaus multiple times the latest date being XX/X/2017. I have a collection account for the amount of {$180.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.  Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.
I was contacted by XXXX XXXX. and they submitted some documents that did not verify that the debt belonged to me, the debt was opened at XXXX XXXX XXXX XXXX XXXX in the year XXXX, That company has malicious intent, they sold the debt to a collection company, unethical business tactics.
Cash Central Pay Day Lenders obtained a Hard Inquire from XXXX XXXX XXXX which had damaged my credit scores and had damaged my financial needs to obtain a loan from other financial lenders. Cash Central informed me on XXXX/XXXX/2015 that although my credit score from XXXX ( XXXX ) is good my application is not accepted for a short term loan. Previously, Cash Central stated that they NEVER obtained a Credit Score directly from XXXX but records found in my credit reports indicates that Cash Central obtained a Hard Inquire from XXXX XXXX , XXXX and XXXX.
We had Nationstar Mortgage as our mortgage company. As we were trying to refinance with another company, our home incurred smoke damage and we had to file an insurance claim. Once we received the checks from the insurance company, we signed them and send them to Nationstar to be signed and for the funds to be paid to the contractors that completed the work on our home to be returned. In addition to the checks, I sent all the paperwork that was completed by our contractors, XXXX, etc on XXXX XXXX, 2015. On XXXX XXXX, 2015, an inspector for Nationstar came to our house to confirm that the work was completed. I was advised that once this was done and the report by the inspector was submitted, the funds would be sent to me. I paid an additional {$30.00} to have the funds overnighted to me, as I wanted to get the contractors paid. Our refinancing went through and our loan was paid off on XXXX XXXX, 2015. When I called Nationstar several days after the inspection was completed, I was informed that since the loan was paid off, the insurance funds had been put into a secure escrow account. I was transferred several times and was told that the funds would be released in XXXX to 45 days, the next person stated that the funds would be released in XXXX to 60 days and the last person advised me that it would be paid in 30 days, along with my regular escrow account. I advised that I needed to pay the contractors and was told that it was going to take the said amount of time and there was nothing that could be done to speed up the process. We received our payout for the regular escrow account, as well as the over payment, but have yet to receive the funds from the insurance company. We are now being told by XXXX of the contractors that he will charge us a late fee of over {$4000.00}. Another contractor is threatening to put a lien on our house. My husband and I have made several phone calls to no avail. They are holding on to {$45000.00} of insurance funds for a house that they no longer have a vested interest in and nobody has been able to tell us, why this process is taking so long.
I am writing to file a complaint about BB & T Bank. I recently received a Retail Statement of Credit Denial letter dated XXXX XXXX, 2015, from BB & T Bank. However, at no point did I ever fill out a credit application with them, nor did I ever give them my consent, implicit or explicit, nor was I ever contacted by BB & T for my consent prior to BB & T running a full fledged credit inquiry about me.
I contacted the collection agency about couple of months ago. I left them a message and did n't received a response back. I called them again during regular business hours and this lady answered the phone. I told her that I would like to take care of my account and that they never contact me after I left them a message. She was not happy with my attitude and hanged up on me. I called back and a receptionist answered the phone call. He keep on placing me on hold and I keep calling back. He then got annoyed and told to send him my email address so he can send me some papers to sign. I told him that all I wanted to do is pay off the loan. I told him that I never had to do this before and he hanged up on me. Last week I tried a different approach. I called the company, XXXX XXXX, that I took the loan from. She said that they could n't do anything because they sold my account. I would need to contact, Plaza Services, which is the collection agency. I tried calling and still be placed on hold. They are giving me a hard time when I am trying to pay off my debts. This collection agency is ruining my credit and it 's wrong. I know I made the mistake and I am trying to fix it. Why give me a hard time when I am trying to pay it. Do n't make any sense.
I have disputed this issue with XXXX  3 times. They have refused to show me proof or provide me with proof that I have a loan with this company even though I have told them I don't and the information is false. XXXX removed the faulty reported information on the first request. My issue is with XXXX   only. 
see attached document. 
Thank You.
I am a first home buyer. I brought the house 2006. The mortgage lender falsely stated I made a higher income in order to qualify me for XXXX mortgages with rate 6 %. I could not keep the payment close to XXXX because I had XXXX. I asked them for a loan modification. I mailed my loan modification package to PHH mortgage. I called my case manager, she said she did n't received it. Instead my house is on foreclosure. As a first buyer, the Real Estate Agent should explain to me the risk to accept the XXXX mortgages plus the other bills to pay. I maintained my payment for 8 years each month never late. Before buying a house people should know about property taxes, home insurance, oil tank where is located etc.
Credit card companies ( e.g., XXXX XXXX, Citi, etc. ) often offer rewards based on purchases made with merchants accepting their cards. The amount of the reward may depend on the Merchant Category ( type of business ) of the merchant. My issue is that it is very difficult to determine BEFORE making a purchase, what the Merchant Category Code ( MCC ) is for a given business ( e.g., XXXX, XXXX, etc. ). I have called both XXXX XXXX and Citi to determine the MCC for a specific business entity, and was told by both that they can not ( not allowed to ) provide that information, even though it is displayed on my billing statement the next month following the purchase. I am told by the credit card companies that it is up to the merchants to specify what their merchant category codes are and that I should contact the merchants directly to determine their code. The merchants I have contacted have been unable to tell me, for whatever reason, what their MCC is for the credit card companies they are associated with. For the consumer, I think the lack of access to a merchant 's MCC is a disservice, if not deceptive marketing practice to not make that information available. The vacation rental that I am looking at reserving for ~ {$6000.00} can result in a credit card rewards of $ XXXX {$180.00}, depending on the one of several reservation agencies MCCs I choose to make the reservation through. Because the credit card companies will not provide me with the Merchant Categories for the several agencies I am looking at, I can not determine ahead of time which merchant can offer me a better offer. It 's like the airline industry not revealing baggage charges ahead of time. Although the rewards are not hidden " charges '' the hidden MCCs can result in lost savings to the consumer.
XXXX   XXXX  has ever  XXXX  credit inquiries on my credit report. i have contacted them via regular mail and disputed with the credit reporting companies. I did not authorized  XXXX   XXXX  to inquire about credit.      XXXX   XXXX  Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX    Last Reported by TransUnion  XXXX   XXXX ,  2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  +   XXXX   XXXX   Last Reported by TransUnion  XXXX   XXXX ,    2017  + Finance
Transunion continues to violate my financial rights by tweaking an account past statue of limitation so many times that they are making me and this Federal Bureau Site believe that they are conducting an investigation and yet they are not. A mortgage account opened in XXXX was closed in XXXX and a new account was opened with a completely separate and new bank with totally different numbers and terms, yet the accounts are mixed and confusing in one. 

account in question appears with Transunion as : XXXX XXXX XXXX Mortgage # XXXX ... 

These two accounts, having never been properly separated and distinguished by Transunion as two different entities, remain displayed as one account. This is damaging to my credit repeort because of the fact that the OLD account contains negative information which is past the statues of ALL LEGAL limitations as well as FCRA law for appearing on my credit report. Yet, because the account was never properly separated by Transunion, XXXX XXXX or XXXX XXXX the account continues to show up as ONE ADVERSE ACCOUNT. IT IS NOT! 

I have raised this concern with the other bureaus and the issue was promptly repaired. Transunion understood the same situation had occurred with another XXXX XXXX mortgage account and that was promptly deleted, thankfully, and yet this one continues to disrupt my financial status and credit repeort. 

I have NEVER been late, not in the last 8 years, so the account which appears combined is contradicting that fact about me and is required to be deleted. 

I am about ready to sue this agency in small claims if they dont completely delete it because I have done everything in my personal power to be patient and give them ample time to investigate and delete and yet all they have thus done is delete a few months ' history here and there and that has been the extent of their miserable service to me as a financial consumer. 

I would like to also know If I may completely ban Transunion form possessing my information because it is apparent that they are completely irresponsible and careless of consumer protective guidelines, FCRA Law, FHA Law and also Federal Laws. I dont want a company like Transunion having the right to harbor my information if this is the type of company that they are. They are 1000 % disregarding my complaints and refusing to delete an account that is riddled with discrepancies, mixed information, old information and false information!
I did-not Authorize / Authorization the use of credit and/or view or pull credit report, IDENTITY THEFT VICTIM - XXXX   DATA BREACH!!!!!!!!!!!!!!!

Inquirer Name / Inquiry Date / Removal Date / Business Type / Contact Information XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX  XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXXXX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX   NV XXXX  ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX  BYMAILONLY XXXX XXXXXX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX   XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX IN XXXX  ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXAll Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX   BYMAILONLY XXXX  XX/XX/XXXXXX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX FL XXXX   BYMAILONLY XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXBank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX  ) XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, NM XXXX   BYMAILONLY
Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.
I went to do an extension for my auto loan when i was leaving the country for vacation. I did not get a piece of paper i needed to sign and return to make it happen. So i made every payment since then for my account but because i did not make that one it has been showing on my credit score as 3 missed payments which is not correct at all. 1 missed month but it wasn't even missed in reality. They just didn't tell me about the piece of paper i needed to sign because i would have told them i will be gone for a month and not able to get the paperwork anyway.
In 2015, I noticed a collection on my credit report from Glenn Associates Mid Atlantic for XXXX XXXX. I, immediately contact Glenn Associates via email regarding the debt, whereby it does n't belong to me. 

During, this time, I asked Glenn Assoc. to contact the CRA 's and inform them that the debt is disputed, and ask them to delete it from my credit report, but fail to do so. 

It has been two years and counting since my initial communication with Glenn Associates, and they have fail to comply.
I took out a private student loan with Citibank for {$12000.00} with a co-signer in   XXXX   and 1 year later, while I was still in school, my co-signer filed for bankruptcy. Unbeknownst to me, my loan was automatically defaulted because of this action. My loan did not default because I ( the primary loan holder ) failed to make payments or I, myself, filed for bankruptcy. I was in good standing before this happened. I should n't be penalized for my co-signer 's action or financial situation. Now my credit is tarnished.     A few months after I finished school, I received a call from a credit collection agency and that is how I found out. I had to hire a lawyer to sort out this mess and ultimately, I had to use what was supposed to be a down payment for a house to pay off this debt so that I would n't have a defaulted loan on my credit report.
My entire life is tied to my social security number which was handled with improper care by Equifax. I consider thier negligence which lead to this breech to be pretty serious. Equifax has no business handling confidential information and I had no choice in giving them my most crucial personal information in order to be part of society to begin with.
There is an account from XXXX XXXX on my credit report that is not mine. This account was opened fraudulently and I would like it removed. Furthermore, on my credit report there is not even an account number associated with this company. My social is XXXX.
I have had the same issues with NAVIENT with my loan. The loan started at {$40000.00} and now it is over {$120000.00}. Every time I have tried to get some kind of repayment that I could afford I ended up with a forbearance. I then just last year tried to contact them to try to negotiate a one time payoff of my loan to pay off what I originally owed and a bit more to take care of this loan. took me over a month to track someone down to talk to then was told that the loan is actually owned by a foreign company and that they would never negotiate a buyout they would rather I not pay and let it keep growing. This is so sad that I want to payoff what I originally owed to take care of this but they are not wiling to do that. We need the government to step in and help us take of our student loans. I dont want a free ride I want to pay for what I originally owed.