WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion deleted a tradeline from my credit report following a dispute. The intent of the dispute was simply to have the balance of the account updated as it was not current. The creditor ( XXXX XXXX XXXX ) has re-reported the account to Transunion, however, Transunion has yet to reinsert the tradeline. I would like to have this tradeline reinserted into my credit report so my credit profile is accurate and complete. Attached, please find ( 1 ) a  statement from the creditor ( XXXX XXXX XXXX ) on company letterhead, dated XX/XX/XXXX, confirming the account has been re-reported to Transunion ; and ( 2 ) an excerpt of my XX/XX/XXXX Transunion credit report which provides the identifying data for the account in question. Thank you for your time and attention to this matter.
CapitalOne sent us a text/email reminder at the same time about a transaction that was attempted to be completed on XXXX of the authorized users " cards ''. The problem with this the authorized users on my account do n't have a card. We even asked the specialist on the phone to confirm this information. Once we received this information we asked the employee how is it possible for someone to use this card if XXXX does n't exist ( XXXX card numbers are different for each XXXX ). They then began to explain that the information could have been used online without a card being there. Although this did n't answer the question due to the fact that the information for this card number does n't exist anywhere but within their own services and systems. They were unable to explain how this information could have been received or taken. This could only lead to XXXX overall situation and that 's the information was taken from them due to no other individuals having this information. This is a serious breach of privacy and most importantly credit damaging information. How can we let a company continue that does n't protect their customers and has continue to how their incompetence to the situation.
XX/XX/XXXX I submitted a complaint ( Claim XXXX ) regarding obtaining a Deed in Lieu release from Seterus. At that point, we had been attempting to obtain this release since XX/XX/XXXX. 
Shortly after submitting our complaint to you, we received a letter fromSeterus dated XX/XX/XXXX advising us that our Deed in Lieu hadbeen approved. That letter requested we submit notarized SettlementDocuments to Seterus and their Attorney within 2 weeks. We did that ... 
all documents were submitted and loaded into the Seterus system XX/XX/XXXX. Upon receiving these documents, Seterus wasobligated to send {$6000.00} to XXXX XXXX Bank, the junior lien-holderon the property so they could release their lien to enable Seterus to closeon the property. On XX/XX/XXXX I contacted XXXX XXXX whoadvised me that they still had not received the {$6000.00}. On XXXX XXXX, Icalled Seterus to check on the status of the check. It had not beenmailed yet. I was told that the department who handles this had left forthe day but someone would be contacting me. The person at Seterusalso said they were escalating this matter to the supervisor of the person who was to issue the check. No one contacted me, so today, XXXX XXXX, I called Seterus again. When you call Seterus, you are only allowed tospeak to the customer service rep who answers the phone. They never, never transfer your call to any other person either within or outside thedepartment. Each time it is someone who is completely unfamiliar withyour case, so the average call takes 45-50 minutes while the rep reviewsyour file, " reaches out '' to someone else, etc. The first person myreached out to on that call sent a message back saying based on herreview the file was closed. 

I said that was impossible, because XXXX XXXX is stillwaiting for {$6000.00} to release their lien before Seterus can close. Therep then reached out to someone else who advised that she saw arequest for the check to be issued, but it appears not to have been issuedThe person responsible for doing so was " out on leave. '' The rep wasadvised that the person she was messaging would have someoneinvestigate the matter tomorrow, since the XXXX Officer assigned to my admy account was " out of the office. '' I told my rep I need to knowimmediately when the check will be issued to XXXX XXXX. She said Ishould call Seterus back " next week '' for an update. I reminded her thatthis DIL process had been going on for more than 1 year, and I need acommitment as to when the check would be issued. The rep reachedout to her supervisor who reviewed what had just transpired and told therep to tell me to call back next week. This is symptomatic of theproblems I have encountered with Seterus, and why it has taken overone year to complete this transaction. I am not new to the DIL process : I have done thishave done this before with other properties and banks, and have neverencountered inefficiency and errors of this magnitude.
For a few years I 've had a Credit Card called " Ink '' from Chase Bank. It is a revolving credit account. My payment due date is the XXXX of each month. On XX/XX/2017 I went online as usual to access and make my payment. However, in this case, the Chase Bank CC account indicated my Total Account Balance was {$11000.00} and due to an unrelated legal settlement recently received, I had the funds necessary to pay off several debts including this Chase Bank Credit Card. So, on the due date ( XX/XX/2017 ) I paid in full the entire Account Balance of {$11000.00} without hesitation. Subsequently, by mail I received an new Credit Card Statement claiming that now, after the fact of my having " paid-in-full '' the account balance, I suddenly owe Chase Bank, on XX/XX/2017, " Interest Charges '' of " + {$200.00} '' dollars! Chase Bank is charging me a " Purchase Interest Charge '' of {$71.00} and a " Cash Advance Interest Charge '' of {$92.00} and a " Balance Transfer Interest Charge '' of {$36.00} to attempt to justify the {$200.00} total Interest Charge. When I contacted Chase Bank Credit Card services by phone and asked how this after-the-fact Interest was possible, CHASE BANK ACKNOWLEDGED I had indeed " paid the entire account balance in full ''. BUT, claims this is " because our billing cycle on the account balance you paid off did not include 'new ' interest charges we calculated to your account, even though you paid your account in full. '' WHAT!?!?? 
HOW IS IT LEGAL OR LEGITIMATE OR ETHICAL TO CHARGE INTEREST TO CONSUMERS AFTER A CREDIT CARD ACCOUNT HAS BEEN PAID IN FULL?!??! 
This deceptive practice is unethical, illegal, and fraudulent on the part of Chase Bank Credit Card services ... .and in essence is allowing Chase Bank to continue to charge consumers ex-post-facto of our having " paid in full '' a Credit Card Account Balance. This fraudulent, damaging practice by Chase Bank should be immediately stopped by the CFPB.
In XXXX of XXXX XXXX XXXX XXXX XXXX XXXX contacted me, with what XXXX XXXX said was a care regarding a payday loan I had taken through XXXX in XXXX. While I did not remember having taken out this loan I was pressured into settling on an amount to pay back, or else I would be served with a bench warrant for my arrest. I agreed to set up a payment arrangement, at which time I gave XXXX XXXX my debit card information and she took {$150.00}. I was unable to make the arranged payments after that, which I did email XXXX XXXX about. Fast forward to XX/XX/XXXX, when I receive a call from a private number, with a man stating he was with this company and had a bench warrant he would serve to me the next day, if I did not make payments. I made a payment with XXXX XXXX again for {$99.00}. After a little time, I became suspicious and contacted both XXXX  and their collections agency and was told # 1 my debt had been written off and # 2 they had no knowledge of XXXX XXXX XXXX or XXXX XXXXXXXX XXXX. I contacted XXXX XXXX about this, who informed me she would not contact me again, however she wished me luck with the legal matters that would come with me basically being arrested. I have tried multiple times to speak with someone to get my money back, and I was told by a gentleman ( called me from a private number and mumbled his name ) that the sum of the {$150.00} and {$99.00} would be replaced in my account around XX/XX/XXXX. I then spoke with a XXXX XXXX who told me the money had been replaced XX/XX/XXXX. When I tried to question this my emails and calls suddenly started being ignored. I've not heard a word since. However, during the time they were trying to collect money they were calling 6 to 8 times a day/night. I was even in California at one point and my phone would start ringing at XXXX in the XXXX.
I was shopping at old navy when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for an old navy credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.
See thru XXXX XXXX that XXXX is showing a debt ( XXXX doesnt have this on their report ) from a company called XXXX XXXX XXXX for XXXX in the amount of {$640.00}. I have disputed this on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as a debt I dont know about. Never once have I received written notice or a phone call stating I have this debt Im trying to improve my score and its the only thing showing negatively on my report. Says this was opened in XX/XX/XXXX. Again I am not aware of this as I have not gotten any information on it.
Financial recovery services inc was sent a debt verification request on multiple occasions through phone fax and mail for a debt for XXXX they ca n't prove the debt is mines and refuse to delete this information from my credit file
Equifax put a credit card that my wife got ( in only her name ) on my credit report and it dropped my score 87 points! They also have the amount on her card wrong on my report. We are trying to buy a house and sign papers soon based on MY credit. They want me to send a payment to her card through them from what we see on their website. It appeared overnight but takes 30 days to " decide '' the dispute.
Date : XXXX/XXXX/XXXX To Whom It May Concern : Equifax XXXX XXXX, GA XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my I am not able to access my credit file my public information is missing personal credit reports is nowhere to be found please update my correct address Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have been living there since XXXX/XXXX/XXXX If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

EQUIFAX XXXX XXXX/XXXX/XXXX XXXX AM NO XXXX XXXX INQUIRY INFORMATION IDENTIFIED AS FRAUDULENT BY CONSUMER - REPORT NOT AVAILABLE Name : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX since XXXX/XXXX/XXXX Please update my phone number to my public record Home Telephone Number XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I have received multiple emails from this collection agency claiming to be an agent of XXXX Upon further research, I found that XXXX is a payday lender that may have opened a loan in my name as a result of identity theft. 

This collector has made no attempt to contact me via mail ; rather, it is sending emails. I do not know if this is a legitimate collection agency. If it is, the notice must be provided via mail so I may have the opportunity to make a debt validation request and dispute the debt on the grounds of identity theft.
I opened a Sun Trust bank account in 2011 while attending college at University XXXX XXXX Florida. They activated my student ID as my debit card when I opened the account. I got my school refund to the account, and had been using my student id card to access the account. The banker who opened my account put the wrong mailing address for the account, they mailed a debit card, and pin number to the incorrect address. A couple weeks after opening the account, the debit card they sent drained the account of all funds. I filed a police report when i found the account was empty. The police report was closed, without finding out who stole my money. Then SunTrust instead of refunding my money, closed my account, and told me I Must of committed the fraud on my own account. Not only did they imporperly close my account, they added me to a credit reporting company called XXXX, They have placed information on my XXXX file stating that I attempted to defraud the bank, which prevents me from opening a bank account anywhere.
There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
XXXX continues to report incorrect credit information which negatively impacts my ability to obtain credit, rent an apartment of buy a home. XXXX indicates they rely upon XXXX XXXX and XXXX  Credit reports to verify the information they are reporting. XXXX XXXX responded in writing indicating the following accounts are not on my XXXX XXXX Account and not being reported. XXXX has not responded. I am attaching ( 4 ) XXXX provided by XXXX ( Cancellation of Debt ). XXXX admits knowledge of my insolvency. Based on the attached, none of the credit bureaus or XXXX have a legal right to continue misreporting this information. XXXX abandoned all claim and cancelled the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX or XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. Partial Account # XXXX ; XXXX ; XXXX ; XXXX.
I sent a letter to XXXX XXXX XXXX in XXXX 2015 with NO response. Shortly after I receive another demand from Commonwealth Financial Systems. I am asking for valid proof of this debt and have not received it.
On XX/XX/XXXX, I entered a lease on a XXXX XXXX XXXX XXXX / XXXX  with BMW Financial Services and XXXX XXXX XXXX XXXX XXXX  
The XXXX XXXX XXXX XXXX XXXX   XXXX was going to be Titled, Tagged and Registered in Florida. I am a Florida State Resident, and have maintained my Florida Residence since I was called to XXXX XXXX  serving in the XXXX XXXX. Therefore, I am tax exempt, and filed the necessary exemptions, and affidavits. I terminated the lease, and returned the vehicle to XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX

I cancelled the additional warranties, annotated in the Lease Contract, the BMW Tire & Wheel Protection ( {$1500.00} ), and XXXXXXXX XXXX Paint Protection ( {$600.00} ).

I requested my refund for the additional warranties, I was instructed I have to receive the refund from BMW Financial Services and the BMW Selling Center. XXXX XXXX XXXX stated I have to receive the refund for the BMW Tire & Wheel Protection from BMW Financial Services. I received email notifications from XXXX XXXX Director, XXXX XXXX. that I had to receive the refund for the XXXX XXXX from BMW Financial Services or XXXX XXXX XXXX XXXX XXXX., Finance Manager, XXXX XXXX.

On XX/XX/XXXX I confirmed and verified with XXXX XXXX  County Tax Collectors Office Tedra Reid, and XXXX XXXX ( Asst. Manager Tag & Title Dept. ) the XXXX XXXX XXXX XXXX / XXXX  was never Titled. If this vehicle had been registered, and my existing tags transferred it would have only been {$64.00}.

I was erroneously charged {$2100.00} for license fees, registration, title, and taxes for the XXXX XXXX XXXX XXXX XXXX XXXX  

Therefore, I am requesting a refund of {$4200.00}.
I feel that I am a victim of unethical and deceptive lending practices by Nationstar Mortgage. Prior to XX/XX/2015 my account was perfect. In or around or even just prior to your XXXX/XXXX/2015 being due, I contacted them and asked them for assistance in that I was not having ample funds to make the XXXX 2015 payment before month end due to a weather related repairs that needed to be made ASAP. The lender rep you dealt with brought up the possibility of a modification to your loan. I informed the rep that both the XXXX AND XXXX payment in the month of XXXX ( as you knew you 'd be getting your {$2500.00} for the golf coaching stipend ). I understood my credit bureau rating would have then reflected a XXXX delinquency for the month of XX/XX/2015. 
Instead, the rep suggested I signed up for this loan modification ( making me think this was my only option ) which in turn severely hurt my credit. When I started getting calls about missed payments ( I was still paying monthly ), my rep stated everything was fine. Currently, I am not receiving any return phone calls from this company.
I have been the victim of ID THEFT in the past and Equifax has removed and blocked several fraud accounts. All of a sudden within the past 60 days every single account is begin re reported and Equifax refuses to remove these fraud accounts. They keep saying they have been verified accurate!!! I have gotten letters from the fraudulent creditors confirming these accounts are fraud and that they have notified the credit agencies of these and told them to remove these accounts!! EQUIFAX still will not remove the fraud accounts!!! Once more they continue to say they belong to me!!! I have sent copies of the letters I received to EQUIFAX. Some accounts were removed and some remain!!! The following are Still fraud and need to be removed!!! 
1.XXXX XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
I have an open loan with United Auto Credit. I have been diagnosed with XXXX. I am struggling to pay my loan. I am in default. I understand that I am at risk for repossession. The company has not done that ... ... ..instead they call me 5 or 6 times a day sometimes 2 or 3 times in a row. They have been calling my employer the same way leaving messages on any line they can get and also with staff as well as on my direct line. I had asked that my work number be removed from the file last year and was told that it was removed. The tactics of this company are suspect to me accompanied by the fact that this company sent me a record of account holders names and account numbers by accident which definitely violates some laws I 'm sure.
Currently I have listed on my Equifax credit an open collection item for {$92.00} from XXXX XXXX XXXX  with the original creditor being XXXX, which has been documented that it does n't belong to me. 

At the beginning of XXXX XXXX I received a collection notice from XXXX XXXX stating that I had an outstanding balance of {$92.00} due from XXXX. I disagreed with this collection notice and disputed this information with XXXX XXXX right away because I knew that it was incorrect and/or was n't mine. I received an email response from XXXX XXXX, Quality Assurance Auditor at XXXX XXXX on XXXX XXXX, XXXX that stated that the information had been removed from their system. It was also not on my credit report at that time. 

In XXXX XXXX I received an email alert that my credit score had changed and upon reviewing the change, noticed that the above mentioned collection account showed up on my Equifax credit report. I sent a dispute through the Equifax website on this information in XXXX XXXX, stating that it was incorrect and should not be on my credit report. I received a response from Equifax in XXXX XXXX and the " Results of their investigation '' stated that the information was correct and that I needed to correspond with the collection company for anything further. 

After receiving that notification from Equifax, I then sent an email to the same person at XXXX XXXX, XXXX XXXX stating that the collection account was showing up on my credit report and requested that it be deleted. Her response, dated XXXX XXXX, XXXX stated that a deletion of the account was made on my behalf back in XXXX XXXX and that if I was still having issues with my credit report to reach out to the credit reporting agency. 

In response to XXXX XXXX 's email I sent her a screen shot of the collection account from her company that was still showing on my credit report and stated that I had already disputed the information with Equifax and that they had responded that the information was correct and that I had to correspond with the collection company. 

XXXX XXXX 's final email to me dated XXXX XXXX, XXXX stated that the file is no longer open in their office and I had to reach out to the credit reporting agency. 

In summary the collection company acknowledges that the account is deleted fromtheir system and yet it is on my Equifax credit report and I can not get anyone to delete this off my credit report.
I wanted to get my over draft fees waived. I was charged for a hotel I went to 3 weeks later. I told them it was n't my fault I had charged that card 3 weeks ago and I had money then why should I get an overdraft fee now.
I was setup to get my loans out of Default with Navient and after the final payment on XX/XX/2018.  I was informed my loans would be moving from them come XX/XX/2018. My loans are still with them. I called them on XX/XX/18. I was transferred to 8 different departments and no one could provide me with my loan information and where it is currently at.
Bank of America has no consistent, real-time system in place. We have to constantly resubmit documents for remodification if our loan and the system says its still in process yet the account manager stated that it is not a reliable system and not real-time for the account status. She also stated that our remodification application was closed when we were previously advised that we would be contacted with an update on the outcome of the review. My husband and I were outraged to receive a preliminary foreclosure document delivered to our home on Thursday night XXXX/XXXX/XXXX. We never received this update that was promised to be communicated by Wednesday XXXX/XXXX/XXXX. Please help us!!!
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information COLLECTION CONSULTANTS XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The above company has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.