WillisBack/dataset-financial-user-claim huggingface dataset:
In short, I disputed credit report from TransUnion and they sent email saying report was updated. However, the link for "VIEW" the completed report does NOT exist or is NOT anywhere on the alleged page stating report is complete. The email sent states that I have 30 days from when TransUnion notifies me but I never saw the first notification and today's notification FAILED to provide me with access to view the alleged report. I am furious with TransUnion, XXXX (who released my personal information in a data hack, and has clearly harmed me), and the other credit reporting agency who have NO accountability to keep the credit information accurate and clearly by my troubles today with TransUnion cannot be bothered by mere "customers" asking to see their credit reports as required by law. TransUnion website has all sorts of "services" available, apparently some for fees, but there is NO link to customer service even after password protected login.
A credit inquiry made on XX/XX/2018 from XXXX shows on my Equifax credit report. Another credit inquiry made on XX/XX/2018 from XXXX shows on my XXXX credit report. Both of these inquiries were made fraudulently by someone with my personal information attempting to open credit cards under my name. I have alerted both XXXX and XXXX to let them know these were fraudulent and both companies stated that they would have the credit inquiries withdrawn from my credit profile, which they have not yet. I have placed a 90 day fraud alert on my credit profile with all 3 credit bureaus.
Looked for one ticket to purchase for the XXXX XXXX XXXX. Found a post on XXXX. Used text messaging to contact the person. He then proceeded to tell me he has two tickets. I happened to find two posts on XXXX with the same description inside of the post, yet different phone numbers to contact. Person told me that's his girlfriend 's post. 
He texted me a picture he took on his laptop with the g-mail email pulled up of the XXXX XXXX order ( order # XXXX XXXX ) .I asked for proof of drivers license or ID. He sent me a " selfie '' holding up his California DL with address blacked out. I did the same, sent him a DL selfie with my address blacked out as well. His DL name matched the name on the email he previously sent the picture of to me. 
He asked what bank I use, I told him Wells Fargo. He gave me the email to add him so I can transfer money through XXXX online on Wells Fargo. 
He asked for half money upfront. I agreed, sent {$250.00} first. 
About an hour later his girlfriend used his phone to text me a picture of the same email order showing the XXXX XXXX Tickets with just my name changed on top. I asked for another better picture showing the date/time on the laptop and they sent that image as well 10 mins later.

It didn't seem right but she said she doesn't want to get scammed and she will send me the confirmation email once I send the second half of the payment. I then proceeded to send another {$250.00}. I waited 30/40 mins and all he/she could text me was " Still waiting on the Wells Fargo email that you sent the money ''. 
I then told them I had to go to sleep I work very early in the morning and I trust that I'll wake up to the text and email confirmation that the ticket has been transferred. 
I woke up with no email or text from them. I then proceeded to do even more research about XXXX transferring XXXX XXXX tickets. I called Wells Fargo in the morning, they could not provide me any information about the person. I called XXXX and there's nothing they could do either. I reported this incident on IC3.gov as an internet crime. I reached out to XXXX and they don't take responsibility because I went through Wells Fargo. Wells Fargo blames XXXX and so the cycle continues with no resolution.
Pursuant to Florida statute 559. 715 of the Florida Sunshine Law, Global receivable Solutions has yet to send out a letter of assignment and they have had this debt assigned to them sinceXX/XX/XXXX. This means that a letter of assignment would have had to have been sent out no later than XX/XX/XXXX in order for them to be compliant under Florida law. I was told by a representative of global receivable solutions that they did not have to follow the law considering the dead have been previously assigned to them back in XX/XX/XXXX but had been recalled by XXXX XXXX XXXX Hospital billing department on XX/XX/XXXX. As such, the debt was reassigned to Global receivable Solutions on XX/XX/XXXX which means that Global receivable Solutions still has to follow the letter of the law as outlined under the Florida consumer credit protection act, which they have not done. Therefore, Global receivable Solutions is leaving themselves and they have not followed the Florida consumer credit protection act nor the fair debt collection practices act by giving me the validation dispute time frame. This company has already had a complaint submitted against them by myself back in XX/XX/XXXX alleging the same transgression committed by this organization.
Original CFPB complaint filed under case number : XXXX. This original complaint was not investigated properly by the CRA, rather they decided to respond with a standard boiler plate response. The CRA mentioned in this complaint is not following the FCRA properly, in fact under a report from this agency dated XXXX XXXX, 2016, file number XXXX, the information that was disputed is listed on the report as " estimated month and year that this information will be removed : XXXX ''. It is now XXXX, so this information should have automatically purged. In fact, this has already automatically happened at XXXX. Rather, somehow TransUnion believes they need to confirm with the original furnisher of information. This would leave anyone to believe that TransUnion believes that the data that they furnish, might not be reliable and consistent.
unauthorized inquiries on my credit report Inquiry 5 Inquiry Date XXXX - XXXX Creditor Name XXXX  XXXX  - XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX AZ, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 6 Inquiry Date XXXX - XXXX Creditor Name XXXX - XXXX Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX - - Creditor Phone XXXX - - Inquiry 7 Inquiry Date - - XXXX Creditor Name - - XXXX XXXX Creditor Address - - - Creditor Phone - - - Inquiry 8 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 9 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 10 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 11 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX - - Inquiry 12 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX XXXX - - Creditor Address XXXX XXXX  XXXX XXXX IL, XXXX - - Creditor Phone XXXX - - Inquiry 13 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX PA, XXXX - - Creditor Phone BYMAILONLY - - Inquiry 14 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 15 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX   XXXX - - Creditor Address XXXX XXXX XXXX XXXX TX, XXXX - - Creditor Phone XXXX - - Inquiry 16 Inquiry Date XXXX - - Creditor Name XXXX XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX FL, XXXX - - Creditor Phone XXXX - - Inquiry 17 Inquiry Date XXXX - - Creditor Name XXXX XXXX - - Creditor Address XXXX XXXX XXXX XXXX XXXX NY, XXXX - - Creditor Phone XXXX
I am the owner of a vehicle in a car accident XX/XX/XXXX. The car was declared a total loss by the insurance company on XX/XX/XXXX and the insurance company negotiated a payment with the lender. At the time the driver, my husband, was the person paying the car loan. A payment was made XX/XX/XXXX. The lender estimated the car value ( loan and interest at {$19000.00} ). The insurance company sent a check for {$10000.00} ( on XX/XX/XXXX ). We had also been paying for gap insurance ( through Bridgecrest ) and other services along with the monthly payment. During the entire time we were in correspondence with the lender. In XX/XX/XXXX I followed up with the lender ( bridgecrest ) regarding an update. On XX/XX/XXXX they informed me they just sent the documents required to the gap insurance for payment and that would take another 20 days to process. In the interim on XX/XX/XXXX I received an email from one of the added service providers ( XXXX  ) concerning they refunded to Bridgecrest {$2800.00} for the service contract and GPS contact I had. XXXX informed me that the gap insurance would cover any balance remaining after their refund was applied. With the check from my insurance, and the refund from XXXX the company still charged off {$8300.00} to my credit report without a final statement or any other accounting being made. No gap insurance was applied ( even though they were paid at the very least through XX/XX/XXXX ). I requested this from them but have gotten no response.
I received a phone call in late XXXX from Macys notifying me that my bill was going to be over 30 days late. I authorized the minimum payment of {$360.00}. On XXXX XXXX I called Macys when I noticed that the XXXX had not cleared my bank. I went to my XXXX XXXX XXXX to confirm whether there was an attempt of this money to clear my account. There is no attempt and there was a significant balance available. My Macys statement shows that Macys tried to run the XXXX through my account ; but they could not and a reversal charge of {$27.00} was added to my account on XXXX XXXX. This is proof that I did authorize Macys to make the payment ; however, it was not processed.
Furthermore, I did not receive a call notifying of the issue. I noticed that it hadnt cleared my bank on XXXX XXXX and called Macys on XXXX XXXX. See my attached phone log. I dont recall the exact conversation but they didnt know why. I informed the person that I would send a payment {$600.00} via bill pay on XXXX XXXX. ( See attached XXXX XXXX payment history ). In this conversation, I asked the person if this would be reported to the credit bureau and she told me, No. Had she stated that it would be reported, I would have dealt with this immediately versus now. It was XXXX XXXX, when I had my credit run when I attempted to refinance my loan and learned of this recent reporting. While it is my responsibility to make timely payments, I made an effort to make a timely payment when youre credit office called me. That failed and I was not notified. I have attached my phone log, my XXXX XXXX XXXX statement for the month of XXXX and my Macys statement to show you that my payment for {$600.00} cleared my bank on XXXX/XXXX/17 and was posted to Macys on XXXX XXXX. This unfortunately is 3 days too late and you reported this to the credit bureau. I am disputing this as, I did attempt to make a timely payment in good faith and gave Macys authorization prior to XXXX XXXX, 2017.
School loans were from XXXX back from XXXX until about XXXX. I have consolidated also in the past as well to make it one loan payment. However, due to circumstances over the years, loan was deferred at one point then when things were even worse with a bankruptcy, the loan was being paid by the bankruptcy. Then once again, it came time for me to take over payment, by that time ( XXXX ), I was now unemployed due to a workers compensation issue and made them ( Navient was XXXX XXXX ) was notified instantly with all my current financial information! I was now bringing in almost next to nothing to support not only myself but my family, needed XXXX as well. I requested any assistance available, whether it be temporary deferment or full on forbearance for the time necessary. NOT approved on any level which made no sense since I had no income!! I kept calling and explaining even to management about my situation and forwarding information stating I went from an income after bankruptcy to nothing and could not pay monthly. Therefore, Navient went and put me into collections stating I was NOT paying, which they wanted over {$200.00} a month when I did not even bring in that any longer. No one else in my family worked either. So after two years of fighting, someone there suggested checking with the federal student loan division, they finally requested taxes which showed income, they pushed through a deferment for a year. Now I am noticing that they are still adding on interest though, even though approved for no payment at all for a year. Also, noticed that over the two years they not only had sent me to collections and ruined my credit but also added on over {$14000.00} of late payment fees!? During bankruptcy being chapter XXXX ( XXXX ), they were not suppose to add any fees since they were getting paid by trustee until after done with bankruptcy? After, should have been deferment or forbearance due to my income because of not able to work? I now XXXX, need to relocate for a new work position but my credit is not up to par due to the fact that even though Navient shows ok now, the old collection issue that should not have been there to begin with ... is!! Also, creditors wonder by the jump and increase of the almost {$15000.00} when I did not go back to school!? Over {$100.00} increase even now during current deferment? This is just robbery and crazy! How can anyone survive with this kind of injustice occurring? Trying to teach fairness with loans for students to my daughter who now attends college and needs loans, this kind of business is just not right and should be illegal!! I see many cases and lawsuits now against Navient. Do I now need a local lawyer as well just to save my credit, get the help I need to move on with my life with a good job that I need to now because I need good credit to do so!?
This is a complaint against SCA Collections in XXXX, N.C. ( Tel : XXXX, which keeps sending me demand letters for an alleged " debt '' for a biopsy ordered by XXXX XXXX XXXX and his Billing Office at XXXX, CA, Tel : XXXX. I had seen XXXX XXXX for decades, without incident until a few years ago, when I was a XXXX at the University XXXX. I got bills, allegedly for " unpaid '' services. I brought this to the attention of XXXX XXXX. The bills persisted. XXXX XXXX, however, claimed my balance was " XXXX. '' On XXXX XXXX, 2015, I saw XXXX XXXX, who ordered XXXX in XXXX XXXX. ALTHOUGH I NEVER RECEIVED A BILL ( {$200.00} ) FOR THIS XXXX, AND ALTHOUGH I HAD FREQUENTLY PROVIDED -- in person -- XXXX XXXX AND HIS BILLING OFFICE WITH MY CURRENT MEDICARE NUMBER AND XXXX XXXX XXXX NUMBER, XXXX OFFICE PROVIDED XXXX, XXXX, WITH INCORRECT HEALTH INSURANCE INFORMATION. THIS HAS LED TO SIGNIFICANT PROBLEMS REGARDING MY CREDIT RATING!!! 

In XXXX I received an " IMPORTANT NOTICE '' from SCA Collections. 
It states : " You must contact this office to discuss PAYMENT IN FULL of this obligation. PAYMENT IN FULL WILL PREVENT FURTHER COLLECTION ACTIVITY YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. '' In fact, SCA already reported my alleged non-payment of this obligation to the XXXX XXXX XXXX XXXX. This credit agency then issued an erroneous credit report, based on the ( mis- ) information provided by XXXX XXXX XXXX billing office to XXXX XXXX XXXX , claiming I have an " obligation '' of {$200.00} and I should " immediately '' pay this " debt. '' On the basis of the misinformation contained in XXXX XXXX report, the XXXX XXXX XXXX ( and possibly other users of XXXX XXXX credit services ) refused to reissue to me a credit card -- even though I have substantial accounts with the XXXX XXXX XXXX -- and will not do so until this matter has been resolved. HENCE, BECAUSE OF THE MISINFORMATION PROVIDED BY XXXX XXXX BILLING OFFICE, AND THE ACTION OF SCA COLLECTION SERVICES, MY CREDIT APPEARS TO HAVE BEEN FROZEN AND MY CREDIT RATING HAS BEEN DAMAGED! 

I have inquired further, and, according to XXXX billing office, which contacted SCA Collection Services to " collect the debt : '' " The entire {$200.00} has been waived. If needed, please utilize my previous email as a reference for any inquiries. 

Thank you, XXXX, CA XXXX p : XXXX '' I am seeking redress against both SCA Collection Services and the billing office of XXXX. In addition, XXXX XXXX billing office is also implicated in this mess and the subsequent damage to my credit status. Appropriate compensation ( billed at $ XXXX/hour ) is also sought for the time I have spent dealing with these issues. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX
On Thursday XXXX I processed a deposit into a Navy Federal ATM. The deposit included one item which was a Cashier 's Check for {$14000.00}. The deposit was made after the cut off time for the XXXX, so I did not expect funds to be available until XXXX. I called the credit union to confirm the date that the funds would be available and was told that they would not be made available until Wednesday, XXXX, as there would be a two business day hold placed on the item. 

The item was an Official Check which is a next day availability item according to Reg CC. The item was made payable to myself, endorsed by myself and was deposited into an account in my name. I inquired if I could come pick up the check and cancel the deposit to cash the item at the institution it was drawn on, and was told no, because the check was imaged by their ATM. 

I was also told that if I went into a branch to make a deposit, the funds would have been available sooner ( even though the transaction date would be the same ). This is a violation of Reg CC. Placing a hold because I made the deposit at the ATM instead of at the branch is senseless. Also the item is a next day availability item.
First and foremost, I must be honest and say I am 26 days past due on my loan. XXXX XXXX XXXX   has made reasonable attempts to help me stay current. My problem is with their collection practices. No, I do not answer every call they make to me. However, I do stay in contact with them at least every two weeks. My problem is with their continued third party disclosure to references I gave to them. Calling XXXX XXXX one week after speaking with me and verifying good contact information with me is excessive when you are telling her I am past due with my loan. She is only a reference not a signer. Telling XXXX XXXX you are calling about my past due auto loan and you can't get in contact with me is not only a lie but, once again she is not a signer on my loan. Only a message can be left. Not that I'm past due.
In the beginning of XXXX XXXX I initiated contact with Chase Bank, the holder of my other mortgages, to refinance my personal home in XXXX, Ca. A loan officer with the name of XXXX XXXX XXXX took my call and after a discussion he quoted me a reasonable rate for a 30 year mortgage. My ratios without a resent paid off mortgage are 24 % over 44 % with a credit score of over XXXX. 
After XXXX XXXX requested all of my financial information he sent me an email indicating that Chase could not do the loan because my ratios were too high. 
I tried to explain how I had computed my ratios and he told me to send him more information and he was going to get back to me. After a few days went by and no response I tried to contact him via e mail and phone, but still no response. I then tried to contact his Manager via phone but after a few days still no response. Afraid that my financial info I decided to check to see if I was indeed dealing with Chase. I searched XXXX XXXX 's XXXX # XXXX as stated in his e mails, that number belongs to someone else. I then contacted the corporate office and they told me I was indeed dealing with Chase and they gave me XXXX XXXX 's NMLS # which appears to be correct. I then asked to have XXXX XXXX to call me regarding my loan. Through their in house email XXXX XXXX stated that he was call me within 30 mins. Three hours went by and His Manager XXXX XXXX called me to tell me that because XXXX of my business had a loss in XXXX they could not use any of the business income for qualifying and my ratios, according to him, were over 58 %. I went back through all my financial data and removed my XXXX business income from the equation and after removing the paid off mortgage I notified XXXX XXXX via e mail of my computations and asked him to review such because my ratios are within industry standards. I have XXXX, rental and business income. My ratios without the business income are as explained above. I asked him to work with me to give me options. i.e., bring the balance down, buy the interest down etc. and to this date still no response from XXXX XXXX. XXXX XXXX, XXXX I receive an e mail from XXXX XXXX stating that my loan documents were going to be available in their system for 10 days. I tried opening the e mail but was given an error message. I tried to contact him via e mail and phone to tell me if the loan was still in process and to help me open the email.. No response. His email now shows another XXXX number XXXX. This number belongs to someone else. 
All I want to know is if they are going to be able to refinance my house and why this gentleman is sending correspondence using other peoples XXXX numbers.
Trans Union had a glitch in their system that violated the rights of their consumer under section XXXX. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be removed. 
1. XXXX Bank XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX/XXXX/XXXX
XXXX /2014 I applied for a business line of credit with wells fargo and was told the application was denied! A few days later I get a call from a upset business manager, who told me that the loan notes included racist information about me and me co signer! stating that I was a younger   XXXX   women and he was a older  XXXX  nice male that just wanted to help, but maybe getting took advantage of! because of this I know my loan was denied! the business manager also said that we were approved for a credit card which was never offered to us as a option! the business manager wen on to say that she reported it to the branch manager which nothing was said to me or done for me to make this right! the man they say I was taken advantage of is the father of my child and we still to this day have a relationship. It was never none of there business my color, age or relationship to my cosigner. I did contact a lawyer about filing a discrimination suite but was unable to afford it and just out right did n't know what to do! I do know wells fargo is prejudice and a very unfair bank! the loans specialist do not receive any consequences for her actions and I was unable to get my business up and going without the loan!
I have been on Administrative forbearance thru Navient while my Defence of Repayment is reviewed by the Department of Education. I have contacted Federal Student Aid and they agree my DTR is still being reviewed, thus allowing me to be on administrative forbearance. Navient refuses to recognize this and demands payment. Department of Education website and via phone call shows i do n't owe a payment till 2021 due to DTR review. Navient wo n't accept this.
Paypal sent me several letters on my account stating that it is closed because of money that I owed them. I contacted them and requested to dispute the transactions, but they were unable to assist me further and proceeded to mail me more letters. I mailed a letter back stating that I will not pay them what I owe because I did not authorize it and they sent more letters to me, this time to my different address.     This is leading to harassment because I asked them nicely to stop the first few times