WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion has been careless in sharing my information and I'm furious. I am already a victim by XXXX carelessness and now Transition. Recently I went through my report upon finding my information was compromised in the XXXX mess. Now as I tried to secure my information Transition sent a letter with my reference number giving whomever access to obtain details on my report. I have not lived at the address they sent my credit info to in over 15 years. Their actions are completely inexcusable especially after the huge XXXX breech. Now I have to take additional steps, time, and effort. I am certainly filing action. The letter was opened when I received it.
I am a victim of identity theft, I have filed the necessary affidavit with all three CRA. The original creditors are disputing this information, the CRA is refusing to remove the items that the thief used. Its impacting my livelihood and ability to obtain credit. I have sent them numerous letters, refiled the affidavit. To no avail.
I had a REDcard acct that I only used at XXXX time, and I do n't think I had used it since XXXX of XXXX. I purchased a birthday present for my grandson on XXXX XXXX, XXXX. I went to pay, the clerk asked me if I wanted to use my REDcard, she said i 'd get more of a discount on that purchase, so I said, " Okay. '' That was a mistake. I charged {$25.00} on XXXX/XXXX/XXXX, then shortly after that, my son-in-law had an on-the-job accident that was XXXX, and my XXXX year old grandson was sick for weeks XXXX. They are both mostly fine now. But during that time, I was rarely even getting the mail out of the mailbox, let alone opening it. I was a basket case, and almost never home. So finally, my life returns to some normalcy and on Friday, XXXX XXXX, I open this bill from REDcard stating I owe {$120.00}. I called Target Card Services to ask them to forgive one or two of the late fees, but they say the OCC prevents them from forgiving any of the late fees, plus, if I close it without paying all the late fees the late fees will continue to stack up, another {$35.00} each month, even though the account is closed. I talked to XXXX and told him i wanted to close the account. Then I went straight to the US post office and mailed them a check for {$25.00}, along with a letter detailing what had transpired, and reiterated that I had asked for the account to be closed on the phone with XXXX on XXXX/XXXX/XXXX. I felt like they were strong-arming me, as if i was involved in a case of extortion. I just could not believe they would not waive at least one of the late fees. I actually thought what they were telling me was illegal. So now I intend to find out if what they are doing is in fact legal.
I have been trying to get XXXX and the collections company-NAT'L CR MGT to remove this from my credit report for the past few months now. and no action has been taken. I originally agreed with XXXX to start paying on my balance XX/XX/XXXX. However, medical issues came up from XXXX, so I called and informed a rep I would resume payments XX/XX/XXXX and wanted to ensure it would not go to collections. And they told me that was fine, I could resume payments at that time. XX/XX/XXXX, I contacted XXXX to resume payments and was informed it went to a collections agency. I was extremely upset. I contacted the agency and also XXXX to get this removed from my credit report and nothing has been done. XXXX is trying to go off the email communication for the original payment agreement, but refuse to go by what I was told over the phone as well ... I have paid XXXX a lot of money out of pocket, and have XXXX small student loans with them that I pay ON TIME every month. it makes no sense I would purposely neglect this debt. 

The collection agent who originally called me from NAT'L CR MGT was so rude and talked to me like I was a 2 year old. He was very combative. When I explained to him I would make payments to XXXX, I am just trying to figure out why they sent this to collections ... his response to me was : " Well then I will just tell them you are refusing to pay altogether. " .. I said No! I am not refusing to pay, I am trying to figure out what they told me they would not send it to collections and still did. and he responds stating the same thing : " I will just tell them you are refusing to pay. '' He was basically trying to slyly threaten me into paying. I asked to speak to a supervisor and informed I did not want him calling my phone ever again because he was trying to lie about my issue to XXXX. I also complained to XXXX but they have done nothing but say they can only go off of email record and not over the phone, which is not fair to me.
in XX/XX/2018 I attempted to remove 3 collection accounts from my XXXX and XXXX   credit profile.The acounts are inaccurate and they have not verified the contract between me and the following 3rd party collection agencies. I'am not liable to pay any 3rd party debt collection agency as the original debtor has already been compensated for such losses through taxation or insurance.
Chase Bank Has literally given me the chase. I have been trying to go through modification and now sale payoff with this bank for almost a year. If they would have given us a loan modification back in 2010, we would ot have such a high balance on our loan, They are forceing us into forclosure.In 2010 with the help of HUD we applied for a modification after being turned down for a refinance from an ARM to a fixed rate with perfect credit score. They have given us the run around ever since. They told us to stop making payments for XXXX days and we would be able to apply for a lower intrest rate loan throught their mod process, so XXXX years later we still find the lies and the run around. They are forceing us itnto forclosure. They are trying to get us to just give up. we have been now in contact with the executive office and are still recieving misinformation peolpe can not take notes properly and can not help with the process. This office has become just aother layer in the chase for someone to do somethig to help the homeowner.After speaking with an Exec office person, the answer was of nothing that was asked.None of the questions that were asked were answered.Phone calls not returned even supervisors ca n't return phone calls. This madnes has affected our familylife for far to long. Can someone please help stop the madness.
I applied for a credit Ca rd at Chase and got declined. I have a credit score  above  XXXX  and was told that I had opened too many credit cards. I asked if that was their policy "  XXXX  at lending '' stated that it was CHASE policy and there was nothing I could do about it. I asked for a copy of the policy or if she can tell what the policy was. In essence I wanted to know how  many ( a number ) credit card s were too many. She stated that she could not disclose that. I mentioned that I needed to know so that I do not go through this problem ever again. I asked if this was an industry wide thing or just a CHASE thing, again she stated that she could not disclose that either. For a publicly traded company all policies when it relates to consumers and their credit should be disclosed. If I had been told that if you open " too many credit cards '' you will be declined i Would not have applied. It is imperative to know how many is too many as a decline shows as a derogatory on y our credit score affec ting my ability to get better terms with creditors.
My escrow account was double charged for XX/XX/XXXX and XX/XX/XXXX XXXX and cities taxes by Bayview Loan Servicing , LLC . When they send me XXXX XXXX Report with shortage in XX/XX/XXXX, I called them to correct it, but instead of actual investigation of the problem they tried to make me believe that each payment XXXX XXXX and city from my escrow account was just XXXX of total payment due. I went to XXXX XXXX 's office and got Tax Bills for XX/XX/XXXX and XX/XX/XXXX that proofed that I was right. What is more XXXX XXXX and city taxes were paid by the company which I bought the house from, I guess, by mistake. As I 've been told at the XXXX 's office, checks from Bayview Loan Servicing were rejected and send back to the same address that they came from. I send all docs to Bayview and they finally figure out that they tried to pay taxes for my neighbor 's parcel because of wrong property legal description on XXXX deed. I bought the house in XX/XX/XXXX, and all taxes were correct until XX/XX/XXXX. The corrected legal description was recorded in XX/XX/XXXX. I faxed all proofs of it to Bayview on XX/XX/XXXX. And it is still not corrected as of today date. I spoke with all departments within the company, like customer service, escrow analysts, and customer advocacy team. They neither ca n't find money that they send to XXXX and city in XX/XX/XXXX and were returned back to them or correct my escrow account for 7 months already.
I sent out a dispute letter via certified mail to TransUnion on XXXX/XXXX/2015 and received a receipt showing the letter was delivered and received on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and I have yet to receive any type of response from TransUnion. According to the FCRA all accounts that were disputed must be removed because the accounts could not be verified in that 30 day time frame period. I will include the original dispute letter and certified mail receipt when submitting this complaint. Thank you.
This is an addendum to CFBU Complaint number XXXX Please be advised that pursuant to further review of my files, I can verify the following : 1 ) I purchased XXXX XXXX XXXX ; XXXX, MA XXXX in XXXX 2 ) Bank of America was my lender and I used an XXXX loan schema. The primary mortgage has since been assigned to another servicer and is current. 
3 ) The second mortgage was involved in the Settlement with the Office of the Controller of the Currency in XXXX ( via the XXXX Foreclosure XXXX XXXX XXXX ) 4 ) At the time, Bofa characterized the second mortgage ( Bofa XXXX ID : XXXX ) as satisfied and paid in full. Indeed, this is precisely how Bofa has reported the loan since XXXX. 
5 ) Regardless, the loan in question closed in XXXX, past the six year statute of limitations for debt collection in MA. 
6 ) I discovered through a title search that Bofa never released the lien on my property and have been given the run around since XXXX regarding the matter. 

PROPERTY ADDRESS : XXXX XXXX XXXX ; XXXX, MA XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX EMAIL : XXXXXXXXXXXX
i have XXXX XXXX/XXXX on my credit report DIVERSIFIED CONSULTA that are not mine
I have tried to pay the payments that were agreed upon. However I explained to the lady that I am the on ly one worki ng in a household of  XXXX  and that I simply do n't have the money. They tried to lower the payment but is was n't eve n a hundred dollar s. I ca n't make this payments and support my family. I got this loan  in 2010 for  {$14000.00} I now I owe over {$19000.00}  seven  years later. I feel like i ca n't win
On multiple occasions, emails and phone calls were placed re the modification review. No regard or courtesy acknowledgment was received regarding the status update. The medication review was denied. 
XX/XX/XXXX2015 : Faxed the Modification Package XXXX. Confirmation of receipt of XXXX pages was emailed XXXXXX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/XXXX2015 : Emailed XXXX requesting confirmation of receipt and status update of the modification review. No ResponseXX/XX/XXXX : Faxed the Modification Package to Selene Finance XXXX. Confirmation of receipt below : XX/XX/XXXX2015 XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully Sent XX/XX/2015 XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX Successfully SentXX/XX/2015 : Left voice message ( XXXX XXXX XXXX regarding the modification review. No follow up call returnedXX/XX/2015 : Left voice message XXXX requesting update on the modification review. No follow up call returned. 
XXXX/XXXX/2015 : Emailed XXXX XXXX requesting update on the modification review. No response returned. 
XXXX : Spoke XXXX, he stated he has n't heard from your client, he will follow up with them and get back to me. Sent a follow up email XXXXXX/XX/2015 : Sent email XXXX notifying them of the numerous calls and emails sent to their attention. Not one courtesy email or call was returned. 
XXXX/XXXX/2015 : Received modification denial letter advising case was closed out due to no or lack of documentsAt one point, during the modification review, your firm was under the impression that our client, XXXX was applying for a short sale! Please explain. 
XXXX/XXXX/2015 : Spoke XXXX- discussed the lack of communication and empathy during the course of the modification review. Per XXXX request, I emailed the denial letter for his review. Currently waiting for update ... 
XXXX/XXXX/2015 : Sent an email XXXX re the concerns of the denial letter. Requested status updateXX/XX/2015 : Faxed Appeal letter to XXXX. Emailed the appeal letter XXXX. 
XX/XX/2015 XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX Successfully SentXX/XX/2105 : XXXX confirmed receipt of the attached appeal letterXX/XX/2015 : XXXX XXXX emailed the same denial letter in question. No update on the modification review.
I am a victim of identity theft. The information listed below, which appears on my credit r does not relate to any transaction   ( s   ) that I have made. It is the result of identity theft.    XXXX   XXXX  Account #  XXXX   XXXX   XXXX  CARD #  XXXX  ASC #  XXXX   XXXX  CARD #  XXXX  INTERNAL REVENUE SERVICE #  XXXX
I have attempted on numerous occasions to speak with an ALLY ( formerly GMAC account ) representative to provide me current and accurate information regarding the status of my lease account. An Abstract of Judgment was filed and recorded against me on XXXX, XXXX. Since then, the debt was discharged and a XXXX was issued to me. When contacting ALLY ( XXXX - Acct. # XXXX ), they have informed me that there is nothing else needed from me and the current balance on aforementioned account is XXXX. I requested this information to be updated accordingly as I am in the middle of a refinance to reduce the interest rate on my VA loan. Because they did not provide this information, I was denied credit and will continue to pay the higher interest rate until this information is updated. Once updated, I will attempt again to refinance but will be forced to pay at a higher interest rate until this is resolved. 

I called on the following days : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call lasted well over half an hour and all with similar empty promises made by supervisors and ALLY representatives. The first time I called, they agreed to email a document that reflected the current status of my account. That never happened. 2nd time I called, they acknowledged the fact that they agreed to email me a document but were unable to do so and would instead overnight me a statement of account. That never happened. I called a third time and they stated that someone from " upper management '' would contact me ( they only made this offer after I informed them my next call would be to the CFPB ). The call never came. 

My goal is to attempt another refinance, while interest rates remain low, so I would appreciate a response from ALLY as soon as possible ; especially given the fact that they have already agreed to this in 3 recorded and monitored phone calls. 

As a Veteran, I have become accustomed to a higher standard of service and am extremely disappointed in how ALLY treats their customers and all their empty promises. Thank you in advance for any assistance you can provide.
I have been at arms with Experian for the better part of three months regarding the removal of a fraudulent/incorrect item from XXXX. I sent all XXXX credit bureaus the same evidence and the other XXXX removed the issue without any further hassle. When I contacted Experian regarding this in XX/XX/2017, I was instructed by a representative that they were going to remove the item without anything else needed on my end and that the process would take 3-5 business days. 7 business days later, I contact again to find this was a misrepresentation and that they did not remove the item. I requested contact by a supervisor and for them to report my issue as a formal oral complaint. To this date, I have never received acknowledgment of my complaint nor did I receive a call from a supervisor. I continue to be misled and completely lied to by this organization and they continue to hold my credit hostage by not accepting the evidence from the XXXX XXXX. I request formal contact and swift remediation of this issue including removal of this fraudulent negative item. I have included the letter from XXXX XXXX specifically absolving me of any type credit issue.
In the Summer of 2016, I moved away from Louisiana and settled all my debts. My cable company, XXXX XXXX, made a mistake in billing and charged me extra for services. It took me months, but I was finally able to have them tell me that my account was closed and I owed nothing. 

For the past three years, I've been battling them. They now say they never told me my account was closed, and say that I owe them {$120.00} in charges. They have harassed me many times about a debt that I do not owe, and their own customer service people told me that I do not owe them money. 

They then forwarded this debt to Afni, a debt collection company. I have sent them letters on multiple occasions explaining the situation, and they still harass me about this debt. It is affecting my credit, and I 100 % do NOT owe this money. I would like this false debt taken off of my credit report and for Afni and  XXXX XXXX to cease their 3 year long harassment of me.
Credit card company 's sign up page stated : Enjoy all of these benefits for {$50.00} Annual Fee The benefits included a benefit for Bonus Award Nights. When clicking on the link, the only information regarding changes was listed vaguely as : We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law. 

It does not state anywhere about changing account benefits, nor does it state that the annual fee is for servicing the account, rather I am receiving a set of benefits for paying the Annual fee. They have now removed one of those benefits, and have stated that they will not refund, prorate, etc., the annual fee on the account even while removing benefits. 

They market this credit card and the annual fee, by stating that I am paying an Annual fee for a set of benefits, and then they are removing benefits while not doing anything with the annual fee. 

The consumer is being harmed by companies that advertise a set of benefits for a fee and then remove those benefits while not adjusting the fee.
This company Professional Debt Mediation is trying to collect {$1000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Professional Debt Mediation with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Professional Debt Mediation. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Professional Debt Mediation. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I have thoroughly reviewed my report and have found fraudulent items located on my report. I have been a victim of fraud recently and believe this information is a result of the fraud. I need the fraudulent items blocked immediately!
I sent letters of dispute on XXXX XXXX and XXXX XXXX of this year to Trans Union regarding their failure to remove my account from their reporting and showing a derogatory that is more than 8 years old which by law must be removed after 7 years from the first " late '' payment. This was a XXXX XXXX credit card account that was closed some years ago.. XXXX XXXX  replied to T.U. that they would not remove the account/derogatory at this time.
I recently Received a negative credit report concerning a hospital bill from XXXX XXXX XXXX XXXX, A XXXX hopital. I have XXXX XXXX community plan XXXX and have had it for the last three years. I also have been approved XXXX in XX/XX/XXXX, and have since been trying to maintain and build financial data. Being covered under medicaid I am sure that the bill was taken care of or simply not properly filed by the hospital in question. I have a history of XXXX XXXX and maintain multiple doctor appointments The debt is held by DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I intend to contact them and try to get the remarks removed
After talking to an XXXX XXXX employee and answering my question in regards to my contract, the employee stated that the contract would end and payments would cease at the end of the agreement. This was over XXXX months ago and I just realized that I 've been paying on a membership I thought had ended. No form of information was handed to me to tell me otherwise.
My credit information ( Social security number, date of birth, address and potentially my drivers license number ) was accessed by an unauthorized source and now is publicly available because of the Equifax security breach. 
This is a huge violation of privacy and potential cause for an identity theft keeping in mind there is no possible way for anyone to undo this.
My husband XXXX and I are victims of debit card fraud on XX/XX/XXXX where the individual used an ATM to pull out over {$1100.00} from our checking and savings account. We filed a police report and submitted a fraud claim with our bank. It was denied and we were told we can turn in an appeal with supporting documents like police reports, our time cards from work and distance the ATM used in Oregon is from us. We submitted the police reports from XXXX and XXXX, where the crime took place, along with the police report from XXXX, where we live. The XXXX police were able to get a photograph of the thief but have been unable to find him. In the police report it says that he used several debit cards and got away with over {$3000.00}. I was working both times the fraudulent charges took place and sent that with our appeal. The first day my husband got off work at XXXX in XXXX and the transactions took place XXXX hours away in XXXX, XXXX at XXXX making it impossible to be him along with the video surveillance proving that it was n't my husband using the debit card. The second day the criminal used an ATM in XXXX, XXXX at around XXXX while my husband used his debit card in XXXX XXXX at XXXX at around XXXX. Our appeal very clearly proved that these were fraudulent charges but was denied because it was " suspicious '' and because they said it was a now a public crime because the police were involved when we were told to contact the police by our bank. Navy Federal Credit Union is refusing to credit our account with the amount that was stolen from us.
My debt with XXXX XXXX XXXX was discharged in bankruptcy in XX/XX/XXXX. They have since begun reporting the account on my credit as a derrogatory account with inaccurate dates and a balance due as of XX/XX/XXXX.