WillisBack/dataset-financial-user-claim huggingface dataset:
I received an alert through my creditwise monitor account from Transunion stating my account is derogatory as of XX/XX/XXXX ( it was just updated to an improved account on XX/XX/XXXX ) ..that the lender reported it.. I called today XX/XX/XXXX to XXXX XXXX credit reporting department and was told my account is current and no past due amount and this information was reported to the credit bureau i then called Transunion three times today XX/XX/XXXX saying that I needed to contact yhe creditor 1st call she pulled my account with no problem 2nd call back i was told im a victim of fraud and my account can not be access and the rep gave me a number to call which i did to be ask do i want to place a freeze on my account if I Feel like im a victim of fraud wait what?? I was just told by your last rep i was but now you saying you apologize for the the inconvenience ok so i go on to explain why im calling again to be told to contact the creditor once again i explain ive already called and was told they reported the correct information that i needed to call the credit bureau i have statements showing my payment was on time and my account shouldnt went back negative 12 days later i would like this corrected by whomever isnt updating this correctly ive worked hard to get my credit back on track and to get bounced around from creditor to credit bureau and vice versa
Fay Servicing llc tr ying to collect a debt they took over the property the attorneys  XXXX    XXXX    XXXX  ordered to foreclosure the property on  XXXX   XXXX   XXXX    XXXX   at  XXXX   XXXX  knowing tnere is an active a bankruptcy protection.
I would like some intervention because TransUnion is not at all coopertaing with providing an actual investigation and correcting my items. I have notifieid them of these inaccuracies as well as sent the physical proof from my credit report to back up my claims ( see report attached ) and still nothing was done. How can they continue to " verify '' these inaccurate items when I am continuing to send them the proof? This is 100 % against the regulations of the FCRA and now these items must be deleted immediately. 

Here is the main issue : XXXX XXXX XXXX XXXX is reporting this account as paid. 
TransUnion is reporting this as 120 days late with a monthly payment of {$1800.00}! 

There has been no update on this account since XXXX of XXXX and does not even include an original amount or the required notice of dispute. How can I be 120 days late on an account that has been paid? The status must reflect this and there should be no monthly payment once an account is closed, let alone paid. How am I still paying on an account that is closed and paid? 

The secondary issue is that they are reporting this XXXX account that I was late on dates that I do not agree with and I know for a fact that they are not allowed to parrot what the creditor is saying, so my question is : HOW are they verifying these late payments on XXXX, XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX?! I can say with 100 % certainty that I was not late on 3 of those dates!
I started a Loan Mod with Seterus and I also applied for hardest hit fund. I Luckly got accepted for Both. I signed Paperwork and Seterus took the money and used {$6000.00} and sent it back to Hardest hit Fund. Saying they couldnt use the fund but took {$6000.00}. And then sends me a letter saying i owe {$1500.00} in escrow money. When hardest hit called they said i do n't owe anything. 
They took XXXX and created a Deferred Principal Balance to be paid at the end of the Loan. When they could have used the hardest hit fund to the Principal.
They told hardest hit fund they could n't use the help and now they are asking me for the money.
Seterus is running a scam to overcharge customers. House is not on the Fair Market Value. Fair Market Value of the house should be XXXX.
I made a purchase using my AMEX credit card that went thru my paypal account. The services provided were not provided and I asked the merchant for a refund. The merchant responded that they would provide a refund as soon as possible and did n't follow through. I put the charge in dispute and expected AMEX to credit the charge. Now AMEX is ignoring my documentation and telling me it is up to the merchant to provide me with a credit.
sent letters XXXX and Experian CB and told them that I was under fraud and the Hard inquires on my report were not authorized by me. I sent letters with receipts and they were signed for and with no actions or updates on my credit 30 days waited and no action. so I sent a second letter with no actions done on my credit, so I know rights and the credit laws, by study. 
I need help.
To Whom It May Concern- I received a letter from SLS indicating that they are the new servicer for my mortgage, however I did not receive a letter from XXXX XXXX Loans, the current servicer. I have been going back and forth with XXXX in getting a loan modification. They have been giving us the run around and now this. How can I get some assistance. XXXX did not even have the original note and now this new servicer does not have the note. 

Thank you. 
XXXX and XXXX XXXX
I tried repeatedly to have this account disputed Experian, even ask for the verification For an account with XXXX XXXX have n't receive anything. I tried disputing it again but there answer was that it was already investigated and would not do it again
I am writing this as a customer who feels as though Advanced Financial is ripping their customers off, I had a loan with this company off and on for two years it was an installment loan, well recently went into the store to renew it as I did n't have all of the money to pay and was told I had to switch over to their Flex loan or pay the balance in full, so I did. I have paid this company almost XXXX on a XXXX loan and only XXXX has went to my principle ... they charge customer s over 200 % in interest but word the contract and the flyer they give you is very misleading. I also revoked authorization so they would not draft my bank account and they continue to do so. I do n't understand how thi can be legal. And if so I think someone should look into this and regulate the laws. I kniw this company has had several complaints regarding these new flex loans and ripping people off, also forcing customers to switch over to these loans should also be against the law. You make a payment of XXXX and only XXXX goes to principle and the rest to fees and interest, the present the flex loan like a credit card and I have those and the definitely do not work they way this company is telling their customers.
Early Warning Is Blocking me From Opening Up Checking Accounts With XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX  this Account Where Not Open by me All This Banks Account Where Open Fraudulent and i never Gave Permission to this Banks to Open Accounts. with my Permission Please Help me with this Early Warning Denied All My Claims For All This Fraudulent Checking Account and Added The Block back to My Early Warning Consumer Report. a Police Report and Identity Report from FTC Was send And Early Warning Denied the Information and al the Disputes where denied ...
As early a s   XXXX   XXXX  , 2016 I disputed the accuracy of the reporting of   XXXX     XXXX   credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on   XXXX   XXXX  , 2016.    XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
when I contacted United Debt Services, they explained to me that the contract is for 24 months, and the first three payments will be for services. After that my payments was XXXX to pay down debts. At the end of the contract an agent called me and said that I dont have enough money to pay my last credit card. So she told me in a nasty tone that I had to make 10 more payments of XXXX if I wanted to pay off my debt. I aceptted these terms. Five months after that I requested the summary of payments. And I told them that XXXX had offered 50 % off. They said they would call me later. And they said that had an offer to pay my credit card. I told them that I wanted to pay off at the moment because I had a hard time to get a job at a financial institution. But when I noticed that i paid over I called United Debt Services and I said I wo n't pay anymore because I considered that I paid already all and more. Now United Debt Services closed my account and sent to me a check for XXXX. My last credit card XXXX was supposed to pay XXXX according to them. Only I needed XXXX to clear the debt.
I appreciate if you can help me they appear to be trying to get more money from me.This is not what I contracted with them. They said that I need to read the contract.
sent XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX XXXX XXXX XXXX in cash advance to receive a XXXX loan reinbust of XXXX total of XXXX threw XXXX wanted me to send more money of just about XXXX per pick up to receive funds on XXXX XXXX XXXX 2015
I am CEO of my own company, XXXX XXXX, a small consultation firm. The defendant, Midland Credit Management Inc., stole my identity and committed acts of grand larceny. According to my credit report, Midland Credit Management Incorporated tried to extort {$550.00}. They have repeatedly harassed and menaced my place of business in order to extort money from my business and commit new acts of grand larceny.
I applied for a XXXX XXXX XXXX XXXX XXXX card through Chase bank on XXXX XXXX XXXX in order to earn the XXXX mile bonus they were offering if your spend {$3000.00} in the first 2 months possessing the card. I previously had this credit card, but was eligible for the bonus as I had not received the bonus in over 24 months. For the first time in my life I was denied credit with the the stated reason being " Too many credit cards opened in the last two years associated with you '' ( XXXX ). It is true that I go from card to card to earn these sign up offers, but my credit score is XXXX and they are just denying me because I do not carry a balance, nor do I keep the card beyond a years so I do not incur an annual fee. 

The firm did not provide me with a copy of my credit report. They did not provide a phone number or email to contact them. They simply made this decision not to honor their offer because it would cost them money that they would not get back in margin, interest, and fees. They should not be allowed to make such an offer, if they will not honor it for all potential customers whether they will be revenue generating or not to Chase. 

NB : I closed a different credit card the day prior so that I would have no net increase in credit line
Our home was hit by Hurricane XXXX on XX/XX/XXXX. Our zip code, XXXX, was declared a natural disaster area. I contacted my 1st mortgage ( CIT BANK ) to request forbearance. On XX/XX/XXXX, I received a letter from CIT Bank that my partial forebearance was approved ( Attached ) and would receive a contract to sign ( attached ). We signed and returned the contract and made our first partial payment on the date on the contract. I received a Credit Report Alert ( XXXX ) that CIT bank reported my XX/XX/XXXX payment 30 days late. I contacted CIT Bank and reported the error and was told that the contract DID NOT state they were not going to report late and therefore the 30 days past due was accurate and there would be no corrections. I cancelled the forebearance agreement in XX/XX/XXXX and made the additional payments to be current due to the severe impact on my credit score. I submitted a dispute for the late payment with the credit bureau and it came back as verified. My loan was transferred to XXXX as the new servicer on XX/XX/XXXX. I disputed it with XXXX and they will not make any corrections because it was CIT Bank My credit score dropped 40 points because of the 30 days past due on the credit report. Currently I am trying to refinance due to a balloon payment due XX/XX/XXXX and are unable due to a late payment on my mortgage within 12 months. I feel I was tricked by CIT by them not providing all the facts after a Hurricane hit our home. I can not get refinancing to make my balloon payment on my CIT Bank Mortgage.
I tried to close my account on XX/XX/XXXX and there was a maintenance fee charge of {$25.00} that was refunded however had to call back the next day to close the account. I did not get around to calling tillXX/XX/XXXX and was charged another {$25.00} Maintenance fee for an account that has not been in use for the last 2 months. The customer service representative said I had to pay the {$25.00} before closing my account. I told her that I'm not paying for something that I am not using. I used all the funds in the account to buy a house and left the account with XXXX  funds in XX/XX/XXXX.

I don't have time to keep calling and the account should have been closed the first time I called. Why did I have to call back again and did call back in the same month an now have another fee and can not close the account. I requested to speak to a supervisor and was on hold for 15 minutes. The supervisor refused to close my account unless I paid the fee. This is an UNFAIR DECEPTIVE ABUSIVE PRACTICE. I would like my account closed and fees waived. Also TD should not be reporting me to XXXX XXXX for fees that I'm not responsible for.
I have repeatedly asked XXXX XXXX and XXXX to dispute the validity of this account but this creditor ( Flagship Credit ) formally ( XXXX ) says that its my loan. Ive stressed many times that this does n't belong to me and have asked for loan documentation and a letter of validation to only be told it was sent and it cant be sent again, I ask where was it sent to and they cant say.
Synchrony Bank agreed to delete a hard inquiry on my credit report for a Wal-Mart card.

Instead they are forcing me to have a hard inquiry for a card we dont have or want and couldnt be processed.

They couldnt access my reports and did not get permission to access ( fraud alert placed on all agencies-actual identity theft issue ).

They did not send any documents for deletion, which they claimed could be sent by mail only, for the deletion or reduction of the inquiry to soft pull.

They argued that I had chosen to apply and couldnt back out because of their agreement.

Synchrony seems to try and bully people not interested in their store-only accounts into having accounts they dont want. My credit file had a fraud alert and both XXXX and XXXX were locked and frozen when these occurred, I had unlocked XXXX to do prequalified card offers only. 

They had three applications and said they would not process them, but I received emails saying they had processed the applications, and claiming they were unable verify my identity over the phone.

I had actually verified to them at least five times giving them all the info for their records in order to be allowed to discuss the accounts with them, but it was as though they were creating an application while I was protesting, telling me I wanted the card and couldnt stop them from processing.

I explained to Synchrony that I had visited several of their sites in the past but hadnt applied. I told her I had visited WalMart site but only saw partial details comparing two cards. Synchrony argued I had provided them my full SSN and identity info ( which now they claim they dont have ), but they only had the info because they forced me to give all the info to them the first time I called, and every call after. WalMart isnt allowed to build stores in XXXX XXXX, so its obviously unusual pressure to apply for the card even after they ignored my fraud alert. 

I need the inquiry to be deleted. The application was never processed and no one contacted me for authorization prior to access any credit reports under the fraud alert. If they had called I could have stopped the inquiry by letting they know everything was locked. I have a police report for an extended alert as well because I have provided an address from actual identity theft event.
I have a loan with navient who currently has a lawsuit against them. Also the school that I received the loan from also has a law against them. My original started with direct soi am also requesting verification of the amount of the loan. this matter has caused a lot of stress on me and my family. we can not get any help or loans any where!! navient make it really hard to do anything in life because of the reports they leave on your credit report. this lawsuit they have against them is for the same reason I am filing this complaint they over charging and imposing fees I never agreed to which has my loan more then {$6000.00} over the amount.
On XX/XX/XXXX, my debit card and PIN number was compromised. I scanned my work badge entering my workplace at XXXX at XXXX CST I used my card to purchase breakfast within my job in the amount of {$5.00} ( XXXX XXXX ) When I went to lunch at XXXX I attempted to use my debit card to purchase lunch at XXXX XXXX, again within my workplace- ( XXXX XXXX ) this transaction was denied, which prompted me to log into the chase app on my phone to check the balance. I notice 2 transactions on my account at the USPS in XXXX TX, one for {$1000.00} and another for {$880.00}. I then immediately contact chase and was told my card was placed on hold for suspicious activity. Thats why my lunch transaction was declined. I was told by the bank that someone used my card at an atm and used my PIN number -- Address of the atm was XXXX XXXX  XXXX in XXXX XXXX Tx at XXXX and XXXX XXXX I was at work at this time, and I never use the ATM to check the balance. Then the USPS charges were done at XXXX and XXXX XXXX, again I was at work with my card still in my possession.. I was told that the card was then again used at the same atm as earlier at XXXX attempting to withdraw {$40.00}. This attempt was declined by the bank because they already put a hold on the card. Again I was at work wit the card in my possession. I then attempted to buy lunch at my job ( XXXX XXXX ) at XXXX XXXX, 24 minutes apart from the Last ATM transaction. I have co-workers that provided a statement that I was at work in their presence and went to lunch together that can vouch of my whereabouts and witnessed me take my card out my wallet and attempted to use for lunch, even offer to pay once was declined. To get from the ATM in XXXX TX to XXXX TX in 24 minutes and get to the cafeteria in my job is impossible - Should show that there was a second card somehow. Makes zero sense for me to go to a non chase ATM TO CHECK MY BALANCE when Then can see I check my balance on my phone all the time. And to do it multiple times does not make sense. Also if the card declined at the atm using the pin why would I go to work and attempt to use the same card for lunch without calling the bank when there was more than enough money to make the {$40.00} withdraw. I dont out feel like a thorough investigation was done to protect their customer. If it was me, why would I commit fraud like that.. Im confused how they can deny my claim when I proved it wasnt me and I had my card, I also provided the police repot info I filed. 

Went to branch and was told that sound like someone used a devise to copy my debit card and pin # -- -- If the brach is aware of this type of fraud how can they deny my request
Quicken Loans obtained XXXX ( XXXX ) HARD Inquires from XXXX and XXXX Credit Reports Bureaus without my written consent ; consequently, these XXXX hard inquires lowered my credit score for future financial assistance. 

Quicken Loans XXXX Customer Services representatives XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX Ignored my request to REMOVE their Quicken Loans name from my XXXX and XXXX credit report files.
I have spoken with Navy Federal Credit Union on multiple occasions.  NFCU is the only company I have an issue with in getting SCRA full benefits for my husband. All the other companies lowered the interest and the monthly minimum due using the same paperwork and same DoD website that NFCU refused time and time again. After being denied SCRA benefits ( of interest reduction ) for months, being accu sed of lying about my husband 's  XXXX   XXXX  service, they finally corrected that. However, they refuse to lower the minimum due. This is against  SCRA as well as, ironically, the information NFCU has on their 'Military Pay  ' App.      SCRA specifically says a financial institute CAN NOT accelerate the payment of the principal balance. By NOT lowering the minimum due, that is exactly what NFCU is doing.      Attached is a screenshot from their APP, stating " Furthermore, the monthly payment must be reduced by the amount of interest saved during the covered period. ''
Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all 3 major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all 3 bureaus. 

However, my complaint is that TransUnion said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Transunion investigating and ascertaining the matter they said my investigation was complete ... ... they said Inquiries are a factual record of file access??? 
My point is what was the reason of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the FRAUDULENT inquires and FRAUDULENT DATA be removed from my credit report and history Inquires XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquires XXXX XX/XX/XXXX XX/XX/XXXX Inquire XXXX XX/XX/XXXX Inquires Fair XXXX via my Fico XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX Requested fraudulent inquiry be removed already on XX/XX/XXXX XX/XX/XXXX Remove Address XXXX, XXXX, CA XXXX Requested fraudulent residence be removed already on XX/XX/XXXX and XX/XX/XXXX Remove Employment XXXX Requested fraudulent employment be removed already on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX