WillisBack/dataset-financial-user-claim huggingface dataset:
I submitted a dispute to Transunion about XXXX accounts that were appearing on my credit report on XXXX/XXXX/2017. The investigation into the XXXX disputed accounts was completed on XXXX, on which I received an email informing me that the XXXX accounts were deleted from my report as a result of the investigation. However, the XXXX accounts remain on my online Transunion account. I called Transunion 's customer service support line ( XXXX ( XXXX ) XXXX ) on XXXX/XXXX/2017 to inquire about deleting the XXXX accounts from my online account. The representative, XXXX, informed me that according to his database the accounts had been deleted and that the were no longer appearing on my report. He could not assist me with making my online account reflect the investigation results. He instead offered to mail me an updated credit report and gave me a phone number for Transunion 's Online services ( which was the exact same phone number I dialed to connect with him ). Before agreeing to have this report mailed to me, I asked XXXX if I would be charged. He replied no. I then agreed to the mailing. However, without receiving an emailed receipt ( as I have in the past ), my XXXX XXXX credit card was actually charged {$10.00} on XXXX/XXXX/2017 despite XXXX 's assurance that I would n't be charged. The charge is currently still pending so I must wait 5 days before filing a dispute through XXXX XXXX. I additionally emailed Transunion about my online account incorrectly reflecting the results of their investigation. I have not yet received a solution other than a response stating that they would look into the matter. 
I am submitting this complaint in the meantime, because after doing a basic search of Transunion 's history, anyone can ascertain that Transunion does not care about its customers. Multiple lawsuits have been brought against this bureau for similar reasons that I have listed above- hiding their charges for reports and services, inadequate explanations of their procedures, and finally, subpar customer service in which zero resolutions offered. I would like this experience documented so that all the supposed revamping of their services is continuously monitored by the government. Lastly, I would like to be ensured that the XXXX accounts that I disputed have in fact, in actuality, and in real time have since been deleted from my credit report so that my credit score will no longer be negatively affected due to the incompetence of this credit bureau. This is especially important when Transunion is XXXX of the XXXX credit bureau 's that influence people 's financial and economic health and opportunity. Upon further inspection of the XXXX disputed accounts, you will find that they were opened while I was a minor and logically could not belong to me. 

Thank you for your assistance in this matter. Please advise as to how I can prevent this from happening again. 

Sincerely, XXXX XXXX XXXX XXXX P.S. Please note that attachment " Online Personal Credit Reports & Credit Scores - TransUnion XXXX shows that there are XXXX accounts when according to the updated credit report there should be XXXX total.
On XXXX XXXX, 2017, I disputed the account listed on my credit report as XXXX XXXX. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought XXXX XXXX. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My XXXX and Equifax credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.
XXXX XXXX shows a inquire on my credit report XX/XX/XXXX but I never gave them written authorization to run my credit.
We owned a piece of land in XXXX County, Texas for the last 10+ years. We paid taxes on time yearly. Someone suddenly claimed the possession of our land and won the ruling. The County courthouse judge issued the Final Judgment and granted them the possession of our property without looking at the fact that we have been paying tax for the last 10 years! However, XXXX County continues trying to collect taxes from us even though they said we are no longer owning it!!! We have called, mailed, and faxed them many responses explaining the issue with the judgment. We repeatedly asked them to stop abusing us with threatening letters to foreclosure and damage our credit. We told them we would file the complaint with your Bureau and they still do n't care. We have been stressed out and exhausted from those abusing from State Government Entities in XXXX County, Texas. PLEASE HELP!!!
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX
they put in for a judgement against me I settled with a repayment plan they ended up putting more money on acvount. Spoke with them about they told me it was lower by XXXX that they added.Even received a bill with the wrong amount.
On XXXX XXXX, 2015 at around XXXX I deposited cash and checks into the ATM outside of the XXXX on XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I deposited the checks and cash, but the machine broke down and did n't give me back my card or receipt. I called the number on the ATM, but was told that because I did n't bank with XXXX that I would have to notify my bank and have them file the claim. After hanging up with XXXX I then called my bank ( Statefarm bank ) and explained the situation. A young lady handled the dispute and told me that a provisional credit would be put on my account for the amount of money I deposited, and when the problem got resolved the provisional credit would be removed and it would simply show up as a deposit. Before I hung up, I asked for a confirmation number, but was told they did n't have one and that I did n't have to do anything but wait for the problem to get resolved. Since XXXX/XXXX/15 I have been calling StateFarm Bank so that I may have this problem resolved. Every time I called to ask about the issue, I was told that it was being investigated and to not worry that everything was going to be fine. On XXXX XXXX, 2015, StateFarm Bank withdrew the " Provisional credit '' from my account, but did NOT credit me back the money for my deposit. I called StateFarm to ask about what was going on and was told that XXXX had no history of my transaction and that is why my account was not credited back the money.I was also told by StateFarm Bank that they could not help me any further because time had been exhausted. The specialist instructed me to file a police report and go to XXXX personally to dispute the matter. I asked the StateFarm specialist if they had gotten the video footage from the cameras infront of the ATM and bank to prove that I had been there, but was told that XXXX did not want to release such footage. I have a video recording of when the incident happened as well as a couple of pictures proving I was there on XXXX/XXXX/15. I have also contacted XXXX of the XXXX persons that gave the check and found that it had not been cashed, also proving that the checks and cash stayed in the machine. I filed the police report as instructed and also went in person to XXXX and was told that because I do not bank with the that I could not dispute the issue. If you could please get back to me at XXXX with some answers as to what I need to do to get my money back I would greatly appreciate it. I am a XXXX student at XXXX University and can not afford to lose my money. 

Thank you for your time, -XXXX
Hello, I have 2 wire transfer withdraws that have been initiated through a cryptocurrency company called Coinbase in which i sold Bitcoin through them at market price to deposit in my checking account. Both of these wire transfers withdraws were initiated XX/XX/XXXX and show completed XX/XX/XXXX on their website. However both of these wire transfers have yet to be posted to my verified XXXX checking account. It has been 15 business days, way too long, even with the 5 business day delay for wire transfers they state on their website. Keep in mind they also charged {$25.00} dollars each for wire withdraws which have not been processed in a timely matter. I already have a support ticket that has been open for over 2 weeks thate has yet to be resolved, Case ID : XXXX. One wire transfer was for XXXX Bitcoin ( BTC ) for {$220.00} that shows completed on XX/XX/XXXX, reference code XXXX. The other was for XXXX Bitcoin ( BTC ) for {$240.00} that shows completed on XX/XX/XXXX, reference code XXXX. 

My Email for reference is XXXX
I have a mortgage with Wells Fargo for my property at XXXX XXXX XXXX XXXX, PA XXXX. The loan number is XXXX and was originated in XX/XX/XXXX. It is a 15 year mortgage however I opted for an accelerated payment schedule whereby I would pay twice a month. I was told by my mortage broker that this would reduce 4 years off the length of my mortage. <P/>I have been paying consistently on this loan and expected that it would be satisfied in XX/XX/XXXX I made a series of calls to verify and discovered that the loan will not be satisfied until XX/XX/XXXX. <P/>At the time of the loan origination Wells Fargo had a contractual relationship with XXXX XXXX to manage the accelerated payments. I was not aware of this until I called. As far as I was concerned they were one in the same. <P/>I have never been given a scheduled for the accelerated payments. I never signed or approved of the schedule. I would not have accepted this if it only saved one year on the length of my mortgage. Paying twice a month was a sacrifice and I would not have done it to save one year on the length of the mortgage. <P/>I have issued complaints to both parties. Wells Fargo does not acknowledge any ownership in this. They believe XXXX XXXX is at fault. XXXX XXXX does not respond to the complaints. Wells Fargo has since severed their contractual relationship with XXXX XXXX which, I believe, is integral to this complaint Both of these parties are clearly in violation of fair lending practices. I am entitled to see the payment schedule that I supposedly approved and neither entity will provide it. <P/>Additionally, I am referencing the disposition of an XXXX XXXX fraudulent claim. Pursuant to this action, I am entitled to damages. <P/>CFPB Takes Action Against Mortgage Payment Company And Servicer For Deceptive Ads XX/XX/XXXX Consumers Deceived by XXXX XXXX XXXX to Receive {$33.00} XXXX XXXX, XXXX. The Consumer Financial Protection Bureau ( CFPB ) took action today against XXXX XXXX and XXXX , XXXX for deceiving consumers with advertisements for a mortgage payment program that promised tens of thousands of dollars in interest savings from more frequent mortgage payments. Under the terms of the orders announced today, XXXX will return {$33.00} XXXXXXXX in fees to consumers and pay a {$5.00} XXXXXXXX civil penalty to the CFPB, and XXXX will pay a {$100000.00} civil penalty. Deceptive advertising has no place in the financial marketplace, said CFPB Director Richard Cordray. Todays action is delivering relief for consumers deceived by XXXX and XXXX, and sending a clear message that these practices will not be tolerated. <P/>I will continue to file complaints until one or both of these parties provide the information that I am entitled to. <P/>XXXX XXXX XXXX
I recently discovered that XXXX XXXX XXXX XXXX ran an unauthorized report on me on XX/XX/XXXX. I mailed a certified letter to the above mentioned company, and requested that they remove the inquiry placed on my credit report by there company. I did not authorize such inquiry. They did not have permissible purpose to pull my credit report hence invaded my rights to privacy.
On XX/XX/XXXX, I received a letter from the above mentioned company stating " No action will be taken to remove the inquiry ''.
I borrowed {$3500.00}, 24 month same as cash. Regency Finance set the payment due to {$140.00} per month, however at that amount I would need to pay more than the payment due, or pay for 25 months. They never informed me I would need to pay more monthly to satisfy the 24 month contract. They then assessed finance charges and interest because it was not paid in full within the 24 months with the monthly payment they set forth. This is deceptive and a fraudulent scam to trick the consumer to being XXXX payment shy of payment in full. Shame on you Regency.
On XX/XX/18 someone went to XXXX and charged {$5900.00} on my Discover card. The charge was not made by me. I have since been fighting to remove this charge from my account. I have been paying interest charges for a charge that i did not make. I have spoke to Discovers Fraud department numerous times only to be accused and treated rudely for something I did not do. No one at Discover will do anything to get this off my account. I filled a police report and have contacted them numerous times to get this straightened out with no luck. I'm in the process of buying a house so I have been paying for this charge in fear that I will ruin my credit and stop my process. Please Help!
I have a ZERO balance with XXXX Now. My credit report show a balance of {$4500.00}. My balance is zero. I filed a balance dispute with Transunion on XXXX, 2015 the on XXXX the results were : Verified/ No Change. I do n't believe my dispute was investigated because I do n't owe this company {$4500.00}. Transunion is n't reporting the correct information.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
1. ) In XXXX USAA decided to reverse the decision made on a billing dispute the year prior in violation of fair credit billing practices laws, including regulation Z. 2. ) Despite immediately requesting copies of all investigative materials and documents to support their decision I have still yet to receive anything more than copies of my credit card statements. 3. ) Immediately after my request USAA began taking adverse action in violation of consumer protection laws. 4. ) In response I filed a complaint with the CFPB. USAA once again responded by taking even further adverse action in violation of consumer protection laws. 5. ) The statements I did receive do not add up for my account ending in XXXX. * Statement closing date XXXX/XXXX/XXXX shows a balance of XXXX of which there was/stiil is charge in dispute for over {$500.00}. * Statement closing date XXXX/XXXX/XXXX shows {$710.00} in new purchases for a balance of {$910.00}. This statement also shows the account being closed and available credit being XXXX. XXXX Statement closing date XXXX/XXXX/XXXX shows multiple credits totalling {$1300.00} yet, the total value for the period is shown as {$0.00}. Furthermore, this statements shows further charges despite the account already having been closed, and XXXX available credit as of the previous month. So the balance shown is now {$6600.00}. Which makes no sense. If the account was closed in XXXX, and has been reported as being closed to the CRA 's how could it then have been charged or made purchases? I have not received any notices of the account being re-opened, and it 's being reported as closed with a balance tapping into my other lines of available credit lowering my credit score. XXXX. ) No notification, statements or documents have been received after the initial document confirming receipt of my billing dispute in XXXX either. Nor do I see the charges for the charge in dispute being credited either.
XXXX has been non-compliant with removing the unverified account PARAMOUNT RECOVERY SYSTEMS which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that PARAMOUNT RECOVERY SYSTEMS was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
I have a a unverified account from FEDERL ADJUSTMENT BUREAU. I DO NOT RECOGNIZE this account. I have never done business with FEDERL ADJUSTMENT BUREAU. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that FEDERL ADJUSTMENT BUREAU Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all contractual agreements between myself and Federal Adjustment Bureau. 
3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that FEDERL ADJUSTMENT BUREAU Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Received letter from " law firm '', stating they are collecting for an alleged defunct credit card. I am exempt from letters as such, as I am a XXXX veteran, battling XXXX.
The reward from my Bank of America XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue.
In file number XXXX the company agreed not to contact me with offers in the future. I received another letter from them for the same issue.
Here is the situation I have my wife as an authorized signature on a couple of my accounts. The problem is she is just that an authorized signature. Now when we pulled up her credit reports these accounts show up on her report. Now when I signed her up I never gave any information on her social security number nor did they ask for it. Why do they have the right to put that on her credit report without a social security number? So if that is true then anyone in the world can put her name as a authorized signature and it will show up on her report and you would n't know unless you pull up your reports. This to me is a invasion of privacy and should not be allowed unless the primary person puts a social security number down. What is the fix to using an authorized signature.
I have disputed several accounts with the  XXXX  credit reporting bureaus  XXXX ,   XXXX   and Transunion the credit accounts opened well over 7 years ago and most have a   XXXX   balance. Also it 's been  two  years and some hard inquiries are still showing on my credit report. I do n't know why the credit bureaus will not remove all of these accounts. There 's a lot of unlawful credit reporting activities and this most definitely  XXXX  of them.
For the past 4 months, I have not received any information from Bank of America regarding my home loan modification. From XXXX 2016 through XXXX XXXX, 2016 - I submitted all required documents at the request of my then Customer Relations Manager XXXX XXXX. During the months of XXXX, XXXX, XXXX, XXXX, and XXXX 2016, I made repeated calls to my newly assigned Customer Relations Manager, XXXX XXXX. 

In late XXXX - early XXXX 2016, I received a voicemail from XXXX XXXX on behalf of XXXX XXXX, I immediately returned the call only to receive XXXX XXXX 's voicemail. I have left numerous voicemail messages with XXXX XXXX and have not received any returned calls nor any updates to the my home loan modification request of which I was told by XXXX XXXX in XXXX 2016 was under review with the underwriters and they had all the documents needed to continue my request for review. 

Yesterday, I received correspondence from the Bank of America dated XXXX XXXX, 2016 indicating my loan is no longer actively being review because they did not receive the requested documents. All documents were sent XXXX and fascimile in XXXX 2016. 

This has been going on for the past 3 years, I need results. My credit is severely being damaged only because of the mortgage, my other creditors are more than satisfied with my accounts. 

I have uploaded numerous documents to demonstrate I was compliant with all of Bank of America 's request. The most important document is the one demonstrating I provided all document requests and those documents were uploaded into the Bank of America Portal. 
I am unable to appeal this decision because the only contact number I am giving is for XXXX XXXX - and he does n't return calls. Thus leaving me in a very precarious situation.
PayPal permanently limited my account for reason that they can not tell me ( the customer service said this when I contacted they ). At the same time, they forfeited the eBay gift card I bought from supermarket that have already linked with this PayPal account ( I can only use those eBay gift card with the specific PayPal account. However, I can never use this PayPal account any more ). Regardless of the reason PayPal limited my account ( I did n't owe PayPal any money in any means ), how could they have the right to forfeit the eBay gift card I bought by my own money? If it is legal, PayPal could limit any account with the reason they can not tell us and forfeit all gift card that have linked to PayPal account!