WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. According to the Fair Credit Reporting Act, I am well within my rights to contest any inaccuracies on my report along with the company that provided the information to the CRA. Also, under the Fair Credit Billing Act, I am well with my rights to contest any billing errors that appear on my report such as : -Charges not made by the consumer -Charges in the wrong amount -Charges for goods not received by the consumer -Failures to properly reflect payments or credits to an account -Charges that the consumer wants clarified or requests proof of. 
No doubt the inclusion of this inaccurate information is a mistake on either Transunions or the reporting creditor 's part. Furthermore, the following information needs to be verified and deleted from my credit report as soon as possible. Also, this is an improper inclusion of reference to an asserted disagreement by the consumer that was never submitted under FCRA 611 ( b ). Please reinvestigate this matter and delete or correct the disputed item as soon as possible. I will wait the allotted 30 days for a response from your agency with evidence that the following account belongs on my report and that my rights have not been abrogated. If no records exist, please delete this damaging account information. Thank you in advance for your time.
my mortgage servicer  XXXX  paid my home taxes without my knowledge in  XXXX  i do not have escrows and always pay my own home taxes and insurance. several months after the incident i realized my credit posted a negative delinquent status from ditech even thou i had continuously made principal and interest payments as scheduled and never missed a single payment. the negative delinquent status came from ditech automatically enrolling me in forced escrow.  XXXX  took it upon them selves to increase my dues to cover escrow without notifying me. when i realized ditech had paid my taxes on my behalf i immediately reimbursed ditech the full 100 % plus penalty for my taxes and requested to be taken off forced escrow and asked to submit a correction, reversal, or letter of clearance on the negative information on my credit.   XXXX    readjusted my account to show  XXXX  escrow balance but never correct my credit. the next year  XXXX   XXXX  paid my taxes again this time before they were even due, even if i was no longer on " forced escrow ''. again several months go by and i find negative delinquent status for  XXXX  and some for  XXXX  again i immediately reimburse    XXXX   the full 100 % tax paid amount. again i ask to please permanently remove my account from forced escrow so this incident does not continue to happen and to correct all of my credit reports for  XXXX  i have come to a roadblock in trying to come to an agreement with  XXXX . the money i paid during " forced escrow '' time frame seems to have disappeared in my account. i will post P & I monthly bank statements and the tax reimbursement payments from my back account. i need ditech to realize they paid my taxes and i reimbursed them 100 % as asked from  XXXX  ( reflected as  XXXX   )  the money " held in escrow '' should have been reflected as P & I and my credit needs to be corrected.
On XXXX XXXX I called Citizens Bank to inquire as to why my account was in overdraft and the service rep asked me to hold and kept me waiting for 12 minutes. When they returned I explained to them that I am currently unemployed and as a courtesy would they stop debiting my account of the daily {$7.00} overdraft fee. The customer rep then told me it was my fault, laughed at me and hung up the telephone. I d already made a payment of {$44.00} for a {$20.00} overdraft and the current overdraft total is now over {$50.00}.
Attempted to start direct debit to pay account automatically two times. Neither time was direct debit set up resulting in late payments. <P/>Attempt 1 : Gave bank routing and account information. Debit was not set up.
Attempt 2 : Again, gave bank routing number and account information. Debit was not set up and 1 mo forbearance was put on account. Was not told that this would be a part of direct debit set up. 1 month work of interest was added to my total loan balance because of this.
On XXXX XXXX XXXX we went on XXXX to receive XXXX credit score, which was at XXXX with Equifax and higher with XXXX and XXXX, so that we could go and apply for a home equity loan at XXXX XXXX XXXX to consolidate some bills and do some repairs and updates on our house. We went to XXXX XXXX XXXX and applied for the home equity loan on XXXX XXXX XXXX. We got a call from the credit union on XXXX XXXX, saying that our credit score had come from Equifax at XXXX, which was too low and they could not do the loan. We then got on XXXX and got XXXX XXXX credit reports. After receiving the reports we decided to go to equifax.com and pay {$7.00} for XXXX credit score directly from them, which was also at XXXX, which was the same value as XXXX showed. XXXX XXXX XXXX says that Equifax gave them our FICO score, which was at XXXX and is different. So we went on Equfax again and paid {$14.00} for the FICO score, once I found the link, and it says XXXX but doesnt really give a reason why since youre looking at the same credit report as youre looking at for the other number. My issue is this : If Equifax is giving out a fifty-point lower number to places that we are trying to do business with than they are giving to us, ( presumably so that we can fix it ), what was the point of all the legislature forcing them to be transparent?? This is not transparent. They are still trying to hide what they are doing. We spent months trying to raise our credit scores, like they tell us we need to do, successfully, and then they send a different score that is much lower? How can this be right??
After leaving school I had tried to pay back my private loan with NAVIENT. I am currently unable to pay the XXXX a month payment that they say I can not lower. I receive letters in the mail saying they will send my account to their legal network for litigation if I do not submit payment by XX/XX/XXXX. I have already made a forbearance because it was the only option that I could afford, which brought me only temporary relief until the calls kept coming. I offered to make a smaller monthly payment but they said that I could not do that, only the payment upwards of XXXX $ was available.
Me and my wife have been trying to work with Navient for the last five years to lower our monthly payment now they have declared us in default. I have been unemployed on and off for the last five years, we have mostly been using my wife 's income to make ends meet. We can make payments just not the XXXX a month they want us to pay ... I had tried in the past sending monthly payments between XXXX and XXXX but that didnt even cover interest. Now our Student Loan Debt is over {$92000.00} dollars our original Student loan amounts were only a total of {$42000.00}. Also my wife has spent the last 20 years working at XXXX and since our loans are consolidated we can not take advantage of any debt relief programs.
XXXX, CA. continues to report an auto loan that is in delinquent status which I do not consider to be valid. The account has been paid approximately 3 years ago, and I still see no progress in the correction of this error. This is negatively effecting my credit score, which I need to increase within the month. I am a XXXX in the city of XXXX XXXX, CA. by means of opening my XXXX, a XXXX which will positively impact the labor workforce, and for this reason I am pursuing a loan with the City of XXXX XXXX, CA. Without the credit score increase I may not qualify for the program. Please do look into this and contact XXXX. I need an update of my credit report by XX/XX/XXXX, for I plan on closing on the loan prior to XXXX XXXX, projected grand opening date. 
*Additionally, XXXX XXXX XXXX is reporting a personal loan of {$3000.00} which needs to be researched for I have yet to see any valid documents stating that I owe this amount
In XX/XX/XXXX my home at XXXX XXXX XXXX XXXX XXXX, NY, suffered catastrophic water damage from a leaky pipe. We filed an insurance claim with XXXX and received payment. As per the terms of our mortgage ( METLIFE ), the check was written out to us and the mortgage company. We hired a contractor ( XXXX XXXX, XXXX XXXX ) to repair the damages ( check was written out to me and XXXX XXXX ). Fast forward 2 years, the contractor quit owing us at least {$40000.00} and the home maybe XXXX completed. We successfully sued him in court, but our new mortgage company, JP Morgan Chase who purchased our loan in XX/XX/XXXX refuses to pay us any money from our restricted escrow account, despite being provided all the documents from the lawsuit. They claim that we can not access the money because we have not met the terms of building completion and that we sued the contractor and proceeds are payable only to us. Because of the lengthy law suit and lack of progress on the home ( the structure needs to be torn down and rebuilt because it will not pass building code ) our insurance carrier ( XXXX ) has given us 1 year to complete repairs which expires XXXX XXXX. I have contacted XXXX insurance providers and all said that they will not cover us due to pre-existing conditions. We can not tear down the home and rebuild because the loan conditions exceed what is financially acceptable. Only loan available to us in this situation is a new construction loan, where the money borrowed would be rolled into our current loan. We have {$55000.00} in escrow, including the depreciation which we were able to have our insurance provider ( XXXX ) forward to our mortgage holder ( JP Morgan Chase ). We have tried to work with our mortgage holder repeatedly to access the money in restricted escrow, but all we keep facing is roadblock after roadblock. They cancel inspections, ask for additional paperwork which we provide, and will not engage with us concerning this matter. I specifically ask to have " management '' return my calls so we can discuss the case, but I only get an insurance representative who knows nothing about my case except what they read in the account notes. I feel like they want us to default on the mortgage so they get the property plus the restricted escrow and the interest. 
**Of note, we have put a considerable amount of money into the home to make it weather proof - paid to complete the XXXX floor so the roof tresses could be installed and a roof put on. It was only after we did this that both a home inspector and a structural engineer found the home rebuild unsatisfactory. The judge did not award us any of this money. We liquidated our IRA, took a loan against our car and wiped out our bank account to finance the repair of our home. We have complied with everything Chase asked us to provide, yet the issue remains moot.
On X/X/17, I tried to withdraw {$5000.00} from my checking account from the Chase XXXX XXXX branch. I provided a primary and secondary form of identification as requested. The teller asked me to wait since he needed an override. Since it was taking awhile I asked if it would be easier to take it out of my savings since both had ample funds. The gentleman ( who never identified himself ) indicated that he was trying to see the last time I took a withdrawal so he could compare signatures. Quite frankly I could not remember so I said probably 10 15 years ago. I do n't normally transact business in the branch and therefore could n't remember. He then told me I could n't withdraw the funds as I did n't answer his questions accurately. I did tell him I write maybe 1 or 2 checks per month and could he compare my signature to them. He said it was n't procedure. When I asked for clarification, he told me he could not discuss further and walked away. I tried calling the XXXX number and they suggested I go to another branch as they were unaware of branch procedures. When I asked if the same thing could happen again, the operator suggested I ask the branch manager. When I reentered the branch, I found out I had been talking to the branch manager but now he was in a meeting. I was told I would have to write a check but I said that was not good as I needed funds availability today and not 2 days from now. I can understand if I did not have funds or did not have identification but I did. If they had asked I could have provided more. Now I am inconvenienced as I do not have ready access to my money even though the funds have been on deposit well past availability time frames.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.
Receiving recorded message daily for 3 months from " Diversified Adjustment Service '' debt collector. The " service '' does not ask for us by name and never has because we believe they are merely attempting to attach a name to our non-published phone number. 
The " service '' always request that we contact them at their XXXX phone number, and we believe that their software will identify the person and no-pub number they are calling daily. Their is never an active person on their end, and they prefer leaving a daily msg on the answering machine. We have had to leave our machine full so that it cuts them off, which means that we can not receive other messages. Why do n't these buzzards have an active representative contact us to verify that they have the correct party/parties? They are merely manipulators attempting to ascertain info from private phone numbers and do not want to divulge who they are wanting to contact because the person probably does not exist. Phishing and unnecessary harassment ...
Call for help XXXX XXXX XXXX, I was starting a separation/divorce from my now ex wife. She, a former XXXX of Wells Fargo, had taken the role of managing our finances including all bank accounts. I, myself, have had an individual checking account with Wells Fargo since XXXX. On this XXXX day I went to the Wells Fargo branch in XXXX, Georgia to simply open a new account. As I walked into the branch, I stated to the lady at the teller desk that I would like to see the manager. Without my permission, the manager, prior to even speaking to me, sent a message to my ex wife telling her I was at the bank. The manager then came up to me asking why I was there. Immediately she says I can sign and the account will be placed back in my name only. Previous to this date, I was instructed that in order for my ex wife to be removed from my original account, now joint, both parties would have to be present. Embarrassed and feeling upset by this treatment, I signed the documents presented by the manager and left. I have complained to upper management, wrote emails, but I was treated as a joke. I am in financial ruin as I now can prove my ex wife, along with others have funneled money through mulitiple accounts over a span so far of two years. This has been made difficult to prove actually as Wells Fargo bank, since my first request in XXXX XXXX continues to deny me access to my own bank statements. I feel that Wells Fargo has assisted in my financial ruin. Why cant I find anyone to take just a extra few minutes to look closer? Why have I been shut out and denied my rights to my own information? Anyone can see that I am being discriminated against and not treated as a costumer of any bank should. I pray you can help. At this point, I dont know what else I personally can do. As I sit now just days away from loosing my XXXX parents home, I wonder when will someone take just a small amount of thier time to offer a helping hand in solving this matter. sincerly XXXX XXXX
I am a American Express Serve prepaid card holder. I used the cards Online Bill Pay feature to send my landlord a payment but, later that day he came to my home so, I paid him cash in hand. I then went into my online account to stop the payment and was not able to do so. I then contacted the customer service department who informed me that they had put in a dispute for the payment and that my money would be returned to my account within 3 business days. Today makes 5 business days and the customer service center just told me that the payment has NOT been stopped and, that I will get a E- Mail from their Disputes Department by the XX/XX/XXXX. They then also continued to inform me over a recorded line that they Do NOT have to abide by the same laws nor rules as a bank.
I have been working with Chase for 2 years now they keep giving me a run around telling me that I have n't submitted documents telling me that my documents are incomplete that someone has called me, that they are calling to verify information and that they do n't have it they never return my calls they have other people call mix-up information and refuse to call me back or follow up on paperwork they tell me that the paperwork is in escalation and each time I call they say that it 's still in escalation and it 's been going on for almost 2 years I can not get anywhere with this my loan is in default and it just keeps adding up more and more fees and they refused to go any farther with this. I need help.
RushCard has somehow offloaded all its clients funds to never land! I ca n't access my account. Ca n't get thru to customer service. No explanation from RushCard. I 've called, been hung up on and on hold for a XXXX ... then hung up on again. I do n't know what 's going on, but I want my money! I 'm being told by their app that I have no cash ... when indeed I just got direct deposit which was released to their banks ... no lost ... Help! Only thru XXXX did I figure out what was going on .... I followed RushCard instructions and to no avail ....
Today i Went to XXXX XXXX XXXX XXXX XXXX ( " XXXX XXXX store # XXXX '' ) on XXXX XXXX XXXX XXXX  XXXX XXXX new york XXXX Spoke to customer sales counselor XXXX XXXX, from whom I was asked if I wanted to apply for a store card. I expressed interested and after I completed the purchase, I found out that the " store card '' was in fact a store branded credit card that was issued by SYNCHRONY bank. Synchrony bank, as an issuing bank, shouls be accountable for the actions that these sales people take part in. This is completely unacceptable, trying to mis lead customers into thinking they are getting a perk but in fact they are signing up for 26.99 % APR credit terms.
Approximately XXXX three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year. 

I am an XXXX military member in the United States XXXX and there are times that we are XXXX, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was XXXX in XXXX 2015 for seven months, returned and immediately transferred. It was during that time that the year passed. 

As I inquired as to how to restore my credit to the previous limit I was told that I would have to request a credit limit increase. Please let me inform you that the reduction of my credit limit affected my credit score and to have to go back again and request a credit limit increase for what I consider no fault of my own would again affect my credit score. 

Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card. 

And now I received notification that my account will be closed, " It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards. 

I am trying very hard to improve my credit score so take any action against my credit seriously. 

I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( {$300.00} ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.
My brother and his wife had a mortgage with Ditech Financial LLC. On XXXX XXXX, 2016 they both were XXXX at their home. There are no children, no will, and no money. Despite having provided Ditech with copies of their death certificates, Ditech continues to send form letters addressed to them. I have sent several letters to them asking them to stop. The last letter from Ditech was addressed to my deceased brother telling him they are sorry for his loss and explaining what his spouse needs to do to get information on the account. There are times when form letters are useful and other times when they are inappropriate and hurtful. When I called Ditech a customer representative told me they are " required by law '' to send these communications. While that may be the case, they need to acknowledge the obvious truth in this situation : their customers are both DEAD and there is neither a will nor any surviving children.
TRANSACTIONS FOR XXXX XXXX # XXXX www.capitalone.com/XXXX The credit card company online notification was not reached via e-mail thus causing the account to be past due for over 30 days, when credit monitoring alert advised of such inquiry it was handle in the same day paid in full. I have called the credit card company and they have reversed the late dues and agreed to reverse the bad inquiry however they say the can only inform credit bureau they can not reverse the inquiry, which has caused the credit bureaus to lower score by XXXX points which sounds quite substancial and incorrect. 

Please remove bad inquiry as agreed by the credit card company
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for several lines of credit and other services. These applications resulted in fraudulent related inquiries into his XXXX, XXXX  and XXXX credit reports. Formal disputes of these inquiries were provided to the creditors however a credit report ( s )  obtained XX/XX/2018 has many of these know fraudulent inquiries still being reported. These inquiries are : XXXX credit bureau : Carvan, inquiry made XX/XX/2018, formal dispute was provided XX/XX/2018 ; no reply from that office and the data is still being reported. XXXX, inquiry made XX/XX/2018 formal dispute provided XX/XX/2018, still being report no reply from office. XXXX XXXX, inquiry made XX/XX/2018, formal dispute provided XX/XX/2018, still being reported and no reply from that office. These are violations of the FCRA and my clients, federal consumer rights.
I had filed an dispute with TransUnion on XXXX, advising them that the statement they made on my credit report saying hard inquiries stay on my credit report for 2 years and 1 month is false. 
The statue states that hard inquries remain on a consumer credit file for 2 years. 
TrannsUnion never responded to my dispute. The following inquiries are on my credit report. 
XXXX XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX and XX/XX/XXXX : requested on XX/XX/XXXX. 
TransUnion never responded to my dispute.