WillisBack/dataset-financial-user-claim huggingface dataset:
I've tried numerous times to log in to Transunion.com, but it won't let me. When I go to its dispute page, there's no way to select an account to dispute. Transunion makes it very hard to fix errors on my credit report. This is against the FRCA rule.
I applied for the XXXX XXXX XXXX card due to the fact that I am a reward elite member with the XXXX, if I apply I would receive XXXX points. I have a good credit score. I keep up with all of my payments. right not I am putting my self on the line for loss of use due to fire in my home for my home owners insurance company to charge the hotel room at the XXXX and wait to be reimburse. the XXXX card is operated by Chase, I had some history with chase, whom still owem me dollars for XX/XX/2014 service contract on a vehicle and and {$30000.00} Mortgage insurance policy so this is what they go back on and. reject me on on the actual facts. I have not opened too maany cards, I openec one jet blue card in the last year. the rest or the informantion is either not updated or incorrect on XXXX. So I want to know to know the exact specific for the rejection now. the reference # XXXX and the exact cards they claim. oopened and the dates opened, this is my information, not chase information and if XXXX is reporting incorrectly they need to correct it. Chase is not keepin me from receiving points, cards thei give out points should not only stick to one bank they should have a variety of band options because of reasons like this due to disccrimination against customer/consumers that challenge them. i never heard of such events, and i think the XXXX notice Emil came that said it was being checked. I would like to know what other bank handles XXXX reward   points, I will besent this copy to the XXXX Rewards   centrer and taking to the Hotel and informing that Chase is deny me points and to find another bank to work with. I would like you to out if this is correct, i know this is a spiteful act. That you!
I have XXXX medical collections showing on my credit report as " unknown '' creditor. I have notified Equifax on several occasions that these do not belong to me. I have n't been to a doctor or hospital in the past 9 years. Since the creditor is n't listed on my report I ca n't even dispute them with the creditor. This is totally unfair to me because I pay my bills on time and have excellent credit except for these erroneous accounts. It is making my insurance premiums higher, I ca n't apply for credit and it effects my job search.
On XX/XX/XXXX a payment amount was made to principal without instructions being provided to do so. Then for the subsequent months the loan servicing provider charged me late fees. I talked to the customer service rep ( employee id XXXX  ) on XX/XX/XXXX at XXXX XXXX. She informed me that the firm will not reimburse me the lat fee money. In fact that this is something programmed into their systems
Getting constant phone calls for the wrong person. Caller ID shows different phone numbers they are calling from and they do not leave a message. I called the number back to find out who they were and what they wanted. This is how I found out it was a Debt Collector. The person they are looking for does have my first name but the last name/last XXXX digits of the social security number are not mine. I told them they have the wrong person and to stop calling me. The calls are still coming in I answered 2 today and told them again they have wrong person to stop calling me and remove my phone number from their list. This time I said I would report them for harassment.
My Slate Chase account ending in XXXX was re-billed in the amount of XXXX, a purchase from XXXX XXXX store XXXX XXXX, CA. As I stated in dispute and again here, the package shows delivered on XXXX, signed for by a XXXX XXXX. I was not at home on this date and no one by the name, XXXX XXXX, lives at my address. I also stated that this transaction/order was canceled by myself prior but the store has a no refund policy and ignored my request to cancel. Please advise Chase that I refuse to pay for this purchase and needs to be credited off my account, this transaction is causing the account to be over-limit.
8 years ago I rented a house in XXXX as I married a woman from the XXXX and waiting for her to come here with her XXXX kids. So for entertainment, I signed up with XXXX XXXX. I signed a form for items that I wanted with XXXX, They did not fulfill the contact and would not. So after a week, I told them I no longer want XXXX and had them come out an uninstall XXXX. I paid for the whole month, though I only had it for one week. 
After about 8-10 months, they started sending me bills and calling me. I told them several times that the contract was cancelled and they got paid for XXXX extra weeks that I did not use XXXX. This went on for three years. 

5 years ago, I got a call from my bank and asked me if I had authorized XXXX to take {$750.00} from my account. I told them know, that I knew nothing about it. I filled out some forms from the bank, had to cancel my debit/credit cards and get new cards. The bank got my money back from them. I just ca n't believe they can go into anyone 's bank account and steal money. It is amazing that the XXXX government allows them to do this. Very dangerous as many people have let them draw money to pay their bills. 
So now my money goes to a collect agency XXXX and they start harassing me. It also goes on my credit report. 
We live in a small town in XXXX and want to move XXXX miles XXXX of where we live now into a bigger town. It took us a month to get a house because as soon as a house hits XXXX, they are gone within a day or XXXX. We found XXXX, XXXX day after it went on the market. But because of XXXX we were told we had to pay them before we could get the house. Even though I do n't owe them money, I went ahead and paid it. Even though I paid it by credit card, that does not assure us of getting the house. They said it would take XXXX days for the card to go through. Then XXXX will send me an email that it was paid. The property management people said that they will consider it once they get the confirmation letter faxed to them that it was paid. So because of Money I do not owe, because of XXXX and XXXX We may have lost a house that we so need and want. Plus it will stay on my credit report for a year after I paythe money. How can this happen?
Equifax has consistently refused a direct request by XXXX XXXX XXXX to remove negative reporting of their loan # XXXX XXXX XXXX XXXX XXXX California.This is in violation and has also been reported to The California Department of Justice.Equifax does not or has not looked at the word rescind which is used in XXXX XXXX XXXX language,
ON XX/XX/18 a man left a voicemail ( I still have it saved from the number XXXX stating that if I do not call him back, he would has someone come to my employment and have him served. He also stated that I needed to have two forms of ID on me at all time. I then got a phone call from a blocked number asking my wear about so I could be served. I told the man that I would not give him that information and he told me that he was headed to my job ( and then listed my employeer ). I told him that he could not call my job or come to my job, he called me a name and hung up on me.

I traced the debt back to Rock mountain Capital and XXXX XXXX. On XX/XX/18 I was told that They would not call me again and " they were sorry '' On XX/XX/18 I got a call from XXXX. the man stated that someone was headed to my job or my home to have me arrested for not paying this debt.
Hi, I have used Equifax complete premier plan for 7 years. According to their customer service rep, the {$9.00} is a " special '' price can only be good for 12 months. So I have to call every 12 months and ask them to honor this " special '' price for 12 more months. I noticed XX/XX/XXXX and XX/XX/2016 they were charging me {$19.00} on my credit card, I called Equifax to dispute and was told they would give me {$16.00} credit and would extend the special price for another 12 months. However, XX/XX/XXXX they charged me twice - {$19.00} again AND {$9.00}. I called Equifax again and spoke to XXXX ( cancellation dept ) and his supervisor XXXX, they both gave me the run around and said {$16.00} was actually a credit for XX/XX/XXXX, which is different from what the previous agent said. They basically refused to refund the {$19.00} they double charged me XX/XX/XXXX. To me that is bait and switch and dishonest practice. I am just shocked that a reputable company such as Equifax would hire inexperienced and unprofessional folks to handle customer service and disrespect their loyal customers.
Hi ... .I have had to report issues to TRANSUNION , XXXX and XXXX numerous times. XXXX XXXX XXXX continues to attempt to collect a debt from me that is not mine. XX/XX/XXXX someone got a cable service in my name. I did not even have a drivers license.I was born in XX/XX/XXXX. I was not old enough to have this type of bill at all. The reporting company is XXXX. I have told them and they do nothing about it. I also have a medical bill which is not mine from XXXX XXXX XXXX. This is not mine and needs to be removed from my credit report.
I 've reported these fraud transactions to IRS. Because fraud payments were made to someone by IRS. I 've reported my drivers license being stolen to XXXX Police Department. The Department of Motor Vehicle in Tennessee, & my social security card stolen. There was an Ace employee that changed the last digit on my driver license to a four with a XXXX XXXX check. Check number XXXX in the amount of {$400.00} do not belong to me. I never made that transaction. Check number XXXX in the amount of {$650.00} was not a payment received by me. These payments was paid by IRS to someone that have an account with Ace. I do n't have an account with Ace & never had one. I 've cashed checks with Ace, that 's all. Ace Aceid is XXXX the maker was USTreasury ABA for the US Treasury is XXXX. Both was done in XXXX. As I 've mentioned XXXX XXXX XXXX XXXX amended & restated my tax returns & made themselves my conservator. All of my former employers have been changed with XXXX. A seven year alert have been placed on my credit report. The XXXX Family was also given my XXXX XXXX information by Attorney XXXX XXXX. After I filed bankruptcy in XXXX. XXXX XXXX the broker with XXXX XXXX XXXX set up the fraud account with XXXX XXXX. After she & XXXX XXXX stole my retirement check from Principle. They all need to be investigated, especially the attorney. He conspired with The XXXX Family to steal from the bankruptcy courts. He helped them to delete my history & take my home. Someone is receiving social security benefits through Ace using my identity. Ace is allowing a lot of Federal Government fraudulent activity go on through their company. I am shouting from the roof top. I did n't work hard all my life for someone else to reap my benefits. XXXX XXXX is another person that had access to my information. This woman once lived with my late father. She 's using his social security number & he have been deceased since XXXX. His name is XXXX XXXX. She 's working with the XXXX Family. The FBI told me its an inside job.
We were jacked ( ripped off ) when we moved. We had to put moving costs onto a XXXX XXXX / XXXX XXXX XXXX card. We had just purchased a home ( no mortgage ) and with 800 plus credit scores, we assumed we could grab a HELOC and pay off credit cards within a couple months. We were subjected to a third party consumer information service that had bad outdated information ( XXXX ) This prevented us from obtaining a HELOC from XXXX XXXX XXXX  and XXXX XXXX XXXX. This took 17 months to work through, and did secure a HELOC with XXXX   XXXX XXXX XXXX. As we were declined for credit ( with credit scores of XXXX, interest and penalties accumulated. 

Escrow completed, and the credit union sent checks out. XXXX XXXX / XXXX  XXXX XXXX received payment before XXXX XXXX, next day XXXX XXXX XXXX charged off the account and sent to collections. D and A Services XXXX XXXX IL. Two days later, the cashed the check and now I have to deal with collections for the full amount plus even more fees. XXXX XXXX XXXX got paid and retain these funds ~ $ XXXX.
The bank close my account without nofity me of reason i received a check in the mail that i did not know was not a real check. Im only XXXX years old never had a account before now Im not able to open an account in my name.because of the issue.
I recently received a copy of my XXXX and XXXX credit report and I notice there is an unauthorized credit inquiry made by Premium CB XXXX XXXX XXXX XXXX XXXX FL, XXXX on XXXX XXXX, 2016. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. In addition, the creditor that provided documentation for credit inquiry to give authorization to review my credit worthiness. Did not provide an opportunity for me to clearly understand what I agreeing to. The credit inquirer 's authorization form was too complicated and not easily understood in language I would understood. I am requesting you initiate an investigation into ( insert name of creditor ) inquiry to determine who requested this credit inquiry.
For over a year now I have been making my payments on time, but for reasons unknown to me those payments would get sent back from Kohls to my bank account. Kohls hasnt been sending me any notices in regards to this issue and I dont find out until I try to make the next payment. At that point they send out a notice that I have late fees After I already spoke with them on the phone. And this happens every time. On XX/XX/XXXX I called and found out my bill due was over {$140.00}, I asked why and they told me late fees. I asked them to remove the fees because this on going issue isnt my fault. They were supposed to wave {$36.00} only and then I made a payment of {$110.00}. Today is XX/XX/XXXX and I went onto Kohls website and tried to make a purchase and I did not work so I called. It was then that I found out that my account was canceled my Kohls. I asked why and they told me late fees and that I could open another account. I asked to speak with a supervisor and have 10 minutes of asking I was finally transferred just to be told the same thing and that nothing can be done. This isnt right because every month I make my payments and neither my bank or Kohls will take any responsibility in the cause of my payments not going through. Its always a back and forth between my bank and Kohls and neither of them can find out the issue is. I honestly dont know what to do at this point besides report it to the CFPB please help me find a solution because I dont want this to mess with my credit when i have done nothing wrong. They should have informed me that they were closing my account when they were taking my payment information. Also I did not receive any notification about my account until Monday XX/XX/XXXX and there were two at once in the mail from a month and two months ago, they always send letters to cover themselves. The reason I so much in the first place is because they refuse to remove the late fees, on an issue thats their fault. Something should be done to find out why payments arent being received and theyre not doing that.
The bank/credit card is XXXX XXXX. They perpetrate all of the items you list as " most describes your issue '', I have moved and filled out the section on the bill of X/X/17 as per they 're instructions to change my address subsequent to this I have now moved and am being harassed for payment. On XX/XX/XXXX I paid my bill ( {$22.00} ) and now realize I have not received a new one. I answered a call just a couple of days ago and told them my new address and the woman said it has been changed, I asked for a copy of the recording because I did not hang up until that was said. I just now, before XXXX received another collection call and told them I changed the address get me a bill. 

What I want is these people and others like them to be made to do their jobs and not have the ability to just start harassing people especially when it is their own incompetence causing the problem. I followed their instructions, they did n't do their job and I am being harassed. someone should loose there job and I should be able to sue the individuals responsible and the company! that would make them do what they were supposed to do. 

This is the second time Citi has caused me a problem and that should not be tolerated. A individual like me ca n't do anything, but you should go after these people!!!!!!!
Payoff was sent via XXXX XXXX and received by Chase Auto Finance on XX/XX/XXXX. This has been confirmed by XXXX XXXX and Chase has acknowledged that the address was the correct address. Before we sent the payoff we called Chase and they said if we included the Confirmation Number Chase provided with the payoff quote, it would be credited upon receipt. Today, my account still shows past due for the payment due XX/XX/XXXX. I called once again, after calling several other times, and sending several secure messages on Chase 's  site. Today, the Senior Customer Account Rep tells me the payoff was sent to a bank in Oklahoma because they could n't figure out what the check was for. Strangely, they could tell me the check was sent back by looking at my account, but they could not figure out how to credit the account. The check was issued from a bank in Arkansas. I have received several messages from Chase but none of them explained to me that the check had been sent to a bank in Oklahoma. I have talked with them several times in the last three weeks and until today no one told me they had sent the check back on XX/XX/XXXX. I do not want my credit ruined due their mistake. Additionally, we sold this vehicle to an individual who is unable to register the vehicle, because Chase has not credited the payoff and released the title. This is not the first time Chase has disappointed us. Someone needs to investigate them.
On XX/XX/XXXX I had a minimum payment due of XXXX. I made the payment on XX/XX/XXXX. In reviewing my account online today I noticed I got charged XXXX on XX/XX/XXXX for a late payment. I don't dispute my payment was late by two days only the fact the payment was withdrawn on the exact date the payment was due. I took a screen shot of my account for proof of the charge on the incorrect day. My statement should have shown the late fee being processed after the due date. I also had a interest charge on a purchase in the amount of XXXX on XX/XX/XXXX that I'm not sure what that is from.In addition, to prevent a future charge because my record shows ontime responsible use and timely payments. I used the option to change my billing date. In reviewing that, It states it can take up two months for this to activate due to one full billing cycle needed for the change. My charge card is for repairing credit, it is a backed card, I also have a XXXX card that is responsibly used. My credit is currently in the average range and my XXXX  card will convert to a regular card after a few more months. I hope to keep doing business with Capital One and with the success of FICO information online for credit building, as well as the Texas Corporation Money Management counseling I received .In addition I did lots of research. But, I'm still learning too. I hope these things brought to your attention will help all of us. Sincerely, XXXX XXXX
Transunion is incorrectly reporting a collection for the XXXX of XXXX XXXX, partial account number XXXX. I contacted this utility directly and provided them with the necessary information so they could look up the account. They did not show any record of my ever having an account with them, and they verified I did not have any outstanding balance. The information on my credit report is in error.
Since early XXXX when I read about the Equifax security breach I have been trying to sign up for the free credit monitoring service offered by Equifax. Early attempts did not allow me to access the web site. Since that time I have called many times. Too many to recall, but now I have started to email my complaints to Equifax. Their website indicates my information was compromised, so I tried to enroll for credit protection from their promised services. I have made five attempts to date by phone, the last phone call was about 30 minutes ago to XXXX. Each time I get to the question of last four numbers of social security and date of birth, their system indicates information does not match. I called Equifax at XXXX on XXXX/XXXX/XXXX. A woman gave her name as XXXX and she laughed at me when I gave her my information. I immediately called back and requested a supervisor, a man answered and said no supervisors are available but he would take my information and someone would get back to me. No one called back. I complained by email to Equifax customer care at XXXXXXXXXXXX at XXXX on XXXX/XXXX/XXXX. Sent another email at XXXX on XXXX/XXXX/XXXX. Called again on XXXX/XXXX/XXXX and was told to wait 24 to 48 hours to reset password, Tried to log in today and was shown on screen password reset expired.Just now a man from XXXX told me he is from Equifax and XXXX XXXX and he told me I have to send a copy of my social security card and a copy of my drivers license to a yet determined address. He said they have to prove my identity first. I continue to get the run around from Equifax so I need your help to get to the bottom of this fiasco. This fiasco is my personal credit report and my ability to obtain credit.
Great Lakes is a contractor for the Department of Education. I am on an income based repayment ( IBR ) plan requiring 120 months of on time payments under the Public Service Loan Forgiveness Program. Great Lakes is skipping one payment every year while they " set up a new payment plan '' and then the payment gets added to the end. Because the payments only get higher every year on the IBR and the interest is accruing, this means a significantly longer time to pay ( an additional 10 months if totaled ) and at an increased amount due to the skipped lower payment, higher back end payment and accrued interest. I was making a monthly payment on the XX/XX/XXXX. This year, they approved my IBR in XX/XX/XXXX, informed me in XX/XX/XXXX, skipped the XX/XX/XXXX payment and then started the higher payments due on the XX/XX/XXXX of each month. Today I attempted to correct their mistake and they told me I was wrong in my point and told me nothing could be done and that correcting the mistake by making an extra payment to cover XX/XX/XXXX would n't count for my Public Loan Forgiveness Plan. This issue has been identified by the Department of Education and XXXX has lost their contracts for the same problems. They are intentionally skipping one lower payment each year in order to add it to the back end for higher payments. This feels like an unfair practice since at no point in time is the loan being " reserviced '', " refinanced '', changing hands or doing any of the other things that normally triggers a financial institution change billing cycles or amounts. However, even if this were the case, they approved me in XX/XX/XXXX, Notified me in XX/XX/XXXX, took XX/XX/XXXX payment, skipped XX/XX/XXXX and billed XX/XX/XXXX. There is no reasonable way that they needed almost 4 months to set up a new payment plan. Please address this issue.