WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Consumer Financial Protection Bureau, The reason for me filing this complaint is due to TransUnion credit reporting agency failing to initiate complaint after receiving my request XX/XX/2018, certified mail. On XX/XX/2018, I contacted TransUnion to get status update on the investigation on the following accounts listed below I was told they have no record of ever receiving an credit dispute on file. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX  4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6 . XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX  10. XXXX XXXX XXXX  11. XXXX XXXX XXXX   12. XXXX XXXX
I have a XXXX Rewards Card that was initially issued by XXXX Bank. I think that in the middle of last month, XXXX 2015, the card was taken over by Synchrony Bank. XXXX Bank sent me a statement at the beginning of XXXX telling me to send payment of at least {$25.00} to XXXX by XXXX XXXX. On XXXX XXXX, my bank sent XXXX an online payment of {$700.00} which is how I 've paid that bill for years. I went to XXXX 's website the next week to see if the payment had been made, but the XXXX Card had been removed. On XXXX XXXX, I received an email from Synchrony Bank telling me that I could access my account on their website. I did and found that the {$700.00} payment had not been credited. I called Synchrony the next day, XXXX XXXX, and they said they had no record of the {$700.00} payment. They also said I had to make a payment by XXXX XXXX or I 'd be charged a late fee. I called XXXX, which recieved the payment from my bank and they said they had no record of it. I also called my bank, XXXX XXXX XXXX XXXX, which sent me the wire receipts showing the funds being wired to XXXX. 
Yesterday, XXXX XXXX, Synchrony Bank charged me a late fee. My credit union is investigating what happened to the payment and calling me with updates, but neither it, XXXX, or Synchrony know where my {$700.00} went.
Since XXXX XXXX, I have been trying to get Equifax to confirm I have been enrolled in their TrustedID service in response to the data breach. Previous to that date, I followed the instructions and applied for the service as directed by Equifax. I also contacted their customer service number by phone to enroll and was told I would be receiving an email confirmation. That email never came. I followed up with several emails. I was last contacted by them on XXXX XXXX where they stated XXXX in the email ) that I would be contacted by a representative. I have not been contacted despite having sent them follow up emails on XXXX and XXXX. I have the case number and incident number they provided in their last response to me on XXXX and will provide it to XXXX as needed.
UPON LOOSING MY LAPTOP AND THE CARRYCASE FOR SUCH THAT MY CARDS WERE IN I REPORTED IT TO WELLS FARGO. I ALSO NOTICED A BANK ERROR THAT SHOWED MY ACCOUNT TO HAVE AN INCORRECT DEPOSIT THAT I HAD NO KNOWLEDGE OF I ASK THE BANK TO FREEZE MY ACCOUNT BECAUSE SOMEONE WAS DOING TRANSACTIONS WITHOUT MY CONSENT OR KNOWLEDGE THA REP TOLD ME ASSURINGLY THAT MY ACCOUNT WOULD BE FROZEN. DAYS LATER I NOTICED THAT IT WAS INDEED NOT FROZEN AND THAT MORE MONEY WAS BEING DEPOSITED INTO MY ACCOUNT VIA CHECKS AS LATER CONFIRMED THROUGH RESEARCH. I SPOKE SEVERAL TIMES TO THE FRAUD DEPARTMENT ONLY TO BE PUSHED FROM DEPARTMENT TO DEPARTMENT. AND LIED TO IN THE END THIS BANK CHARGED MY ACCOUNT FOR AN AMMOUNT OVER 2,000 DUE TO FRAUDULENT CHECKS. THAT I INITIALLY BROUGHT TO THEIR ATTENTION. THE SIGNATURE IS NOT MINE, AND THEY DID NOT HAVE ANY FORM OF ID WHEN THEY DEPOSITED SAID CHECKS INTO MY ACCOUNT AND WITHDREW THE FUNDS OR PARTIAL FUNDS SAME DAY. THE BANK REFUSED TO STOP THE TRANSACTIONS BUT INSTEAD TREATED ME AS IF I WEE THE CRIMINAL. IN THE END I LOST THE MONEY THAT I USED TO OPEN MY ACCOUNT WITH OUT EXPLANATION AND YET TO SEE WHAT WAS DONE ABOUT IT BECAUSE THE BANK LOCKED ME OUT OF MY ACCOUNT AFTER ADMITTING IN A SECURE EMAIL THAT THEY HAD MADE A MISTAKE.
I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I cou ld get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother   XXXX   XXXX   due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and th e charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.
I attended XXXX XXXX College in XX/XX/XXXX-XX/XX/XXXX. I finished the program. Going forward with my education I was unable to use the school information. Nothing transferred to other schools. I was lied to constantly about being an accredited college. I found out that they used students financial aid by documenting that we received bus passes etc. I owned my car so I never needed a bus pass! Please help guide me in the right direction.
I XXXX XXXX believes that XXXX XXXX XXXX has no choice but to delete the account currently posted on my Equifax Report, and that Equifax missed the proper reporting of the account. The credit trade line shows date of first delinquency as XXXX XXXX, but XXXX XXXX XXXX cut off all payment history from XXXX XXXX through XXXX XXXX. The account falls within the XXXX rule timeline, and should be deleted immediately and permanently. Accordingly, I request a full reinvestigation by Equifax as the statement posted by XXXX XXXX XXXX shows that I am 100 % right in the review of the Fair Credit Reporting Act rule pertaining to obsolete and outdated trade lines. PLEASE DELETE THIS TRADE LINE PERMANENTLY!!!
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, AZ XXXX  BYMAILONLY XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, SC 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  XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX  XX/XX/XXXX XX/XX/XXXX Complete Department Stores XXXX XXXX XXXX XXXX, FL XXXX  ( XXXX ) XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. Sincerely, XXXX XXXX
I was given an automatic upgrade to my Wells Fargo, which had an increase in the rewards program of XXXX points per dollar instead of XXXX, effective XXXX XXXX, 2015. 
I called at the end of XX/XX/XXXX//beginning of XXXX, and a lady confirmed that the increase was correct. 
I get my XXXX statement, no increase. Called again, then told it would take XXXX to XXXX billing cycles. 
I wait for the XXXX statement, still not given credits and I call XXXX/XXXX/15. I am bounced around to find XXXX side of Wells Fargo shows the XXXX points, but the reward side stills only shows XXXX. Told wait another billing cycle. 
XXXX statement, same thing and I call XXXX/XXXX/15, bounced around again, but this time a supervisor says he will send an email to the rewards side and have them call me on either XXXX or XXXX. I receive no call, but instead have to call them on XXXX to still have no resolution of the now {$150.00} worth of credits I have not received.
While in college at a public university, and having scholarships, grants and small amounts of federal loans, my brother and sister died in a car accident, I moved home right after. I transferred and began taking my classes online, I took out some loans to cover this, My step-father and mother promised to help repay them. They just started a business and it was on its way to becoming profitable. My mom all the sudden and became very ill, she was the cosigner on my sallie mae debt ( about $ XXXX ). Sallie Mae harassed me after she died to pay the loans in full and I made full payments for a year or so, I was about a semester away from graduating with my XXXX but could not because of my mother 's death. Then my step-father fired me, took all of my mother 's estate ( I was unable to afford a lawyer at the time ) and kicked me out of his life, I was homeless for awhile and I managed to get a new job and pay as much as I could on my loans. Sallie mae is harassing me at my new work, and calling me all the time. Many times they are very rude and do n't offer me anything, one time they reduced my payment and said it would bring my account up-to-date and it has not. They lied to just get some money from me. I am struggling and every time I call - they are very rude. I wish I could change the situation and be able to pay. I am struggling.
I contacted transunion requesting XXXX be removed was placed twice XXXX diff companies same account.
XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry fromXX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Even after my initial complaint filing, I am still being wrongfully treated by Wells Fargo. For the past several months they have nothing but to make me jump through hoops, and even with my initial complain filing they still asked for the same documents over and over again and what 's the point of my relationship manager. I 've only spoken with XXXX XXXX a handful of times, and do n't recall anytime where he actually answered the phone, so I had to speak with several other people who, and again, as always had a different version of events, told me different things are needed, and gave me different advice. It 's like they are only going through the motions, and after months and months of more run-a-round, they declined my request for mortgage assistance because they claim my house was vacant!? This is 100 % false and impossible because at the time there was a Tenant in the property who was paying {$4000.00} per month. No one pays {$4000.00} per month and not live in a property. Wells Fargo knew this because they received copies of the rent check several times ... because they asked for it several times. This unfair denial caused the Tenant to become unformfotable and he vacated the property, causing me to move back into the property as my primary residence, and as required I inform Wells Fargo of any change of circumstances, ... and they did nothing but deny me! Are n't they supposed to work with me? Additionally, in the denial my income was calculated wrong. I brought both of these issues up to XXXX XXXX, who did n't care one bit. I was provided a 20 day appeal period and I appealed their decision and it was denied the same day! and when I ask why?, they will not provide me with a reason. XXXX XXXX just told me that it would take 5 days to close out the file and to re-applyI waited 5 days and reapplied. But the file was n't still closed internally. Apparenlty someone else needed to push a button to close the file, and it was n't until around XX/XX/2016 that someone finally pushed the button. My file was routed to the Wells Fargo reentry team, I was put on hold for about 20 minutes and when she came back, I was asked to send in items to prove my occupancy, and I did just that, and again ... it took them less than a day to deny me. This time I 'm denied because my loan is almost 3 years delinquent. Since when was this a provision of HAMP?, and it seems rather convenient that days before the HAMP deadline that Wells Fargo comes up with yet another excuse to give me the run-a-round. Clearly, they are just taking advantage of the expiring HAMP program to stick it to the homeowner once again!
Several callers have called me at my job harraseing me after I have repeatedly asked that they do not call me at work. After useing foul/obscene language the lady hung up in my face and have another lady by the name of " XXXX XXXX? '' call back.
I recently checked my credit and noticed I have XXXX outstanding medical bills in collection that do n't belong to me nor was i ever notified I owed anything. Came to a huge surprise after I checked my credit out.
I took out a loan for {$490.00} for furniture. The advertising at the store said " 90 days same as cash financing. '' Wrong!! They said it would be {$550.00} over 90 days and they would charge me an extra {$15.00} to make that XXXX even payments. When I asked how much it would be to pay in full that day ( 5 days later ) I was told it would be {$540.00}. Then I was told it would be {$530.00}. Then after spending 45 minutes on the phone when them and exchanging many e-mails asking where these fees were coming from they had a " supervisor look into it '' and I 'm now paying the original amount plus a {$25.00} service fee. They have been deceptive from the start and just try to get as much money as possible out of people. Now that I 'm trying to pay it online ( for an extra {$10.00} charge ) there are more issue and if I call to pay it there 's another {$15.00} fee.
Prior review to a compliant that I had received a check due asc put forced insurance on me when I had homeowner insurance asc was getting kick back by place every client on forced insurance and there was class action suit well I was told since I was under review the money went back to escrow since my house is sold during a review the week XXXX day prior I sent doc of course missing doc, I want my check that due to me, next issue the bank was using a higher appraisal then discover after the fact there was a lower appraisal by XXXX lower and admitted that they should have use that after the fact that discrimination the that I 'm XXXX and my son is XXXX between all income totals up XXXX XXXX dollars a month so I was n't sent a letter of the sale date prior to it happening and suppose a there were deadlines where the letters stating that where the copy requesting a postponement of sale date to there lawyer, I was told over the phone that is n't legal and when I asked about the escrow I was told I do n't get it back, I do n't place the force insurance I had insurance that was paid for I want that money back asap they promise XXXX Mos of good credit history never happen
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXTo Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXTransUnion, LLC XXXX. XXXX XXXX XXXX, XXXX XXXXI recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX Date of Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX Date of Inquiry : XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXX/XXXX/XXXX, XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX Date of Inquiry : XXXXCompany Information : XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXCompany Information : XXXX : XXXX date of Inquiry : XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I paid {$5.00} [ XXXX card ] to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went into T-U website via XXXX for my FREE annual report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had " already '' received my FREE rerport. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentioinally SCHEMED by T-U. I demand my FREE report accessible on-line ASAP.
I have disputed this alleged debt by XXXX XXXX XXXX XXXX to equifax 3 times and to XXXX. XXXX investigation took awhile and XXXX removed it from my report because it was not my debt, where as Equifax emails me the next day with the outcome " remains " and that " belongs to me '' with no other information. I had take matters into my own hands and I sent mail to this XXXX asking for correct validation and I received a letter from them stating it was not my debt. So this goes to show how much of an investigation they really conducted. Not much of one, if any at all. 
Not only this but after I disputed, my fico score dropped XXXX points. I went and bought a report and nothing had changed, literally nothing. I monitor all three reports and equifax never updates. For example, I have XXXX credit card with a limit of XXXX and had a balance of XXXX. I made a payment prior to even getting a statement or bill of XXXX. 
Equifax shows my house payment, my car, my credit card all a month behind vs the other credit agencies showing XX/XX/XXXX being pays as agreed.. They have not updated the report since XX/XX/XXXX and its XX/XX/XXXX. Also I pay for credit score monitoring via myfico and why are they reporting a XXXX point drop when there are NO changes in my report anywhere ( other then I made a dispute ) This is the worst credit reporting agency and we as consumers need our reports to be accurate and updated. I 've been waiting for them to update because I want to get different insurance for auto and home and you never know what insirance companies report they will look at. I see that experian has updated my accounts. What 's the problem here? They are completely incompetent. We rely on these companies for very important aspect of our lives and I have a really difficult time to think they take it as serious as we, the consumer.
The website only has an option to lock your credit if you provide credit card info. I do not want to sign up for their service.
XXXX XXXX XXXX acct. no. XXXX .... is appearing wrongfully on XXXX, TRANSUNION AND XXXX credit bureaus. 
PER THE FAIR CREDIT REPORTING ACT, the information reported must be accurate and complete.None of these bureaus report accurately and all are incomplete.Hearing from the corporate office of XXXX, '' they don't help with credit report problems '', I have made this complaint. 
XXXX, a car loan lender that specializes in subprime lending appears to have a vested interest in keeping their borrowers in the subprime category by not reporting completely and inaccurately. 
XXXX-says account opened XX/XX/XXXX, closed and paid XX/XX/XXXX ( over 9 years. ) says term is 72 months.starts payment history in XX/XX/XXXX and ends in XXXX.NOT counting or showing all months paid as agreed negatively impacts the fico score. 
TRANSUNION-says account opened XX/XX/XXXX closed XX/XX/XXXX ( OVER 9 YEARS ) says TERM IS 30 months. Begins payment history in XX/XX/XXXX and ends it in XXXX XXXX.NOT showing the months paid as agreed negatively impacts the fico score. 
XXXX-has a date of first delinquency of XX/XX/XXXX yet this account is not a charge- off, it is paid in full.Says status is 90-119 days past due ... account was paid in full XXXX 2015.HAS INCOMPLETE OR NON EXISTENT PAYMENT HISTORY. 
SAYS opened XX/XX/XXXX, closed paid in full XX/XX/XXXX ( OVER 9 YEARS ) ... NOT showing the term or payment history, missing the paid as agreed months detracts from the fico score.
Without my knowledge someone has attempted to reach into accounts and use my social security number for their use. I demand a dispute on that person whose has been using my information. For the last year someone has been messing with my social security number. This is the first time I am actually trying to contact about this. It has been going on for a while and I thought it would just go away
Over a medical bill incurred during XXXX problems, which ultimately led to XXXX. Even though paying a monthly amount, XXXX turned it over to Patients Accounts Bureau since I refused to give them direct access to my checking account. Patient Accounts Bureau then called MY PARENTS, who are in the XXXX 's and live in another state - worried them totally. I am a XXXX year old adult and am livid that my parents were bothered. Plus the only way their phone number could have been obtained was via the " Emergency Contact '' when I had the medical procedures. Is that legal? My recent communication with them was harrassing and threatening. I am showing due diligence and making payments to ALL involved in the XXXX diagnosis and XXXX but this one account wants more than I can afford and wants " direct secure access '' to my checking account, which I refuse to give. XXXX and XXXX are the two at Patients Account Bureau who are harassing me, and my parents.