WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18 I wanted to see my free credit report so I XXXX " free credit report. '' TransUnion was the first one to come up, although it was marked as an Ad. I clicked through it and never saw that there was a {$19.00} charge, although I did enter my credit card information. They showed me my credit report but wanted me to " continue, '' then my I got a receipt in email for the {$19.00}. I called the company immediately and they said there was no such thing as a free credit report, I had to pay somebody and had paid them. I asked for a refund and they said the best they could do was discontinue the subscription.

I called the credit card company and they will file a dispute for me. But I'm pretty tech savvy and never saw on the website that they'd charge me. This is quite deceptive since Trans Union is one of the 3 credit reporting agencies where we're supposed to get the " free '' credit report.
In the last few months ive reviewed my credit reports from all three major credit bearues and discovered multiple adverse/erroneous accounts on all three reports.ive disputed all accounts recently and the CRA 'S are some how verifying accounts in a matter of days. ( impossible ) The CRA 's are not properly doing a investigation in this matter.All of the errouneous/adverse accounts are missing information/incomplete/no payment history.XXXX, Experian, XXXX, are in violation of the FCRA section 611 as well as section 609.Ive requested documentation on all accounts with no response, only saying its verified.Ive also contacted every creditor involved, and was told CRA 's have not communicated with them. ( wow ) I will continue to dispute until the accounts are removed from my credit files if not, I will take other action pertaining to these issues.I demand the following accounts be removed : XXXX XXXX ( closed ) $ XXXX XXXX XXXX  XXXX XXXX $ XXXX-XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX- $ XXXX XXXX XXXX {$560.00} .
Highly rude! Called my place of employment 4 times in a row speaking to different people. Left a voicemail stating that i will be sued and he will be faxing personal paper work regarding my debt to my HR Dept in 48 hours. After calling XXXX back he proceeded to speak to me like a was an stray dog. I asked to speak to someone else. Even after doing so he proceeded with his disrespectful tone. Totally stressed me out the rest of my work day. Odd collection practices and I never once refused to pay. Something is wrong with this guy!
I have several inquiries that do not belong on my credit report such as XXXX XXXX XXXX, XXXX XXXX and several more.
Paid {$29.00} for credit reports from XXXX credit bureaus through Transunion 's website. When purchasing these credit reports, they never once made it clear that I was enrolling in a 7 day free subscription in which I would be charged {$19.00} plus tax at the end of. I would have never agreed to these terms had I known. These terms could possibly be in the pages upon pages of terms and conditions but it is definitely not evident or displayed where they want you to see it and is very fraudulent for a reputable company like Transunion to participate in. Many others have complained of this on the internet. I think action should be taken and they should be held responsible for offering refunds to those scammed into this 7 day " free '' trial!
I am a potential victim of the Equifax leak. My information including my name, Social Security number, birth date, address and drivers license numbers ... possibly also my Credit card number.
contacted transunion regarding inaccurate information regaring a supposed public record. i possess no public record or bankrutpcy. the information upon conclusion stated " verified as accurate '' i contacted the source and was told other wise. they provided no information, nor was i provided tangible proof. the specious info must be removed. i contacted customer service and was advised to contact the CFPB
My mortgage was due on XXXX XXXX with a grace period until XXXX XXXX. Given the frantic preparations trying to get my family to XXXX, I did not have time to pay my bills before I left, but I knew I had the grace period and so was okay. When I got to XXXX I attempted to pay the mortgage via the on line payment system as I do every month. I could not log in, and when I went to reset my password, the password never reset and I was never permitted to log in. It appeared that the password was reset but it never worked. I attempted to locate a number to call to pay by phone, but there was no number to pay by phone calling out of the country. The number that did exist could not be dialed internationally. There was also not a number for me to call from out of the country to speak with a customer service representative. At that point my option was to ( 1 ) mail my payment from XXXX ( 2 ) mail the payment from my bank using on-line bill pay or ( 3 ) do neither and resolve the matter when I returned to the States. I opted to do number XXXX because I knew that if I mailed my payments from bill pay or from XXXX, the payment would arrive AFTER my return to the States when the matter would have already been resolved. Immediately upon returning to the U.S., I called WestStar to inform them of the problem and make my payment. I ALWAYS pay my mortgage on time. WestStar said it was my fault the payment was late and would be charging me a late fee. I protested on the grounds that the problem is their system. If they provide a means for customers to make their payments, those means should work and if they do not work, I should not be penalized. It turns out that a glitch in their website payment system does not allow for the passwords to be reset as they should and the customer service rep had to walk me through a process to make the password reset work. WestStar persists in charging me this late fee, which I do n't feel I should have to pay.
I have disputed the late payments on XXXX   XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Equifax and XXXX refused to reverse the late payments.They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
We moved from XXXX XXXX XXXX XXXX in XXXX 2015 due to noise and trash complaints ( I have photos and video ) and was sent an unverified debt 6 months later of {$4400.00}. It has been brought to my attention that national credit systems is not licensed to collect in the state of Texas. 
I have attached a photo of so much trash my husbands white truck was blocked in. 
And a video of our neighbor playing drums, these things happened multiple times.
I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than XXXX XXXX XXXX ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the salesman ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
I am a XXXX Veteran and I trusted XXXX XXXX XXXX with my private information to do right by me so my kids and I can have a home. On XX/XX/2018 I told XXXX XXXX, sales manager for XXXX XXXX XXXX   that my credit scores were above XXXX. XXXX XXXX told me if that is the case he can get me 4.125 % interest rate. On XX/XX/2018 XXXX XXXX pulled my credit and said he can get me a 4.325 %. My scores are excellent and above XXXX. I said you told me that you can get me a 4.125 %. XXXX XXXX was not being transparent with me. 

On XX/XX/2018 called XXXX XXXX XXXX and talked with another loan specialist and he told me I can get a 4.2 % interest rate with my credit scores. And he said I can buy down the rate to 4.0 % with {$2000.00}. 

I got a call from XXXX XXXX on XX/XX/2018 and he yelled at me, " You called one of my fellow employees and we can not work like that, you need to get a loan from another company. '' I told him I signed my contract and you pulled my credit reports and got my bank statements, driver license, and Certificate of Eligibility. He said, " it does not matter. '' I asked him to take the inquiries off my credit reports and return my complete file. XXXX XXXX hung up the phone in my face.
NATIONSTAR FALSELY REPORTED TO XXXX AND XXXX THAT A JUDGEMENT WAS ISSUED IN MY NAME IN XXXX 2014 AND REPORTED 60DAYS PRIOR TO ANY SERVICE OR COURT DATE IN VIOLATION OF FCRA, FDCPA ETC..LASTLY LOAN WAS TRANSFERRED AND AWAITING DISMISSAL.
Dear sir or madam, I opened citibank account package and deposited {$15000.00} on XX/XX/XXXX. 

Account Package during the offer period of XX/XX/XXXX to XX/XX/XXXX ( account opening date XX/XX/XXXX ) 2. ) Within 30 days of opening the new eligible checking account make a deposit of {$15000.00} or more ( in one, or more than one, deposit ) in New-to-Citibank funds into 1 ) the new Eligible Checking Account and/or 2 ) the new Eligible Savings Account. ( deposited of {$15000.00} completed on XX/XX/XXXX ) 3. ) Maintain a minimum balance of {$15000.00} for sixty ( 60 ) consecutive calendar days following the date when you made the {$15000.00} deposit ( Please maintain the {$15000.00} until XX/XX/XXXX ) 4. ) If you fulfill the required activities for this offer and meet all other conditions then the cash bonus will be credited to your new checking account within 90 calendar days from the date you complete all required activities. ( 90 days from XX/XX/XXXX, so it will be on or before XX/XX/XXXX that {$400.00} will be credited ). 

I kept {$15000.00} in Citibank account package until XX/XX/XXXX, and then {$10000.00} until XX/XX/XXXX. 

I am supposed to received {$400.00} bonus on XX/XX/XXXX. I called Citi bank customer service and was told that I met all bonus conditions, but she don't know why I did not receive bonus. She helped me to file a ticket on XX/XX/XXXX Reference:XXXX Dear XXXX XXXX , Thank you for your recent inquiry, case # XXXX has been opened. 

Sincerely, Citibank Customer Service I was told that problem will be solved in two days, after two days, I still didn't receive bonus. I called it again and spoke to a supervisor. She also said that I met all conditions, but Citi bank back office was reviewing why I didn't receive the bonus, It would take 10 business days. I will receive bonus on XX/XX/XXXX. She also sent an email to their back office to escalate the case. 

On XX/XX/XXXX. I still don't receive the {$400.00} bonus. 

Please help me to solve this issue. 

Thanks XXXX XXXX.
Synchrony Bank has called my cell phone repeatedly without my permission for the last week. They call me 3-5 times a day. I am on time with my payments with the account I have with them. I have spoken to several different representatives and no one can figure out why they continually call me.
I have a collection with IC systems, dept collector for XXXX XXXX. 
It went into collections in XXXX, I received a settlement letter for a reduced amount. I contacted them to see if this amount included a credit for returned Tv boxes. This about XXXX XXXX Now they are reporting it as a new dept opened in XXXX of this year. XXXX. Since this was already on my credit report now looks like XXXX new collection. Can they re age the collection in this maner?
I have a public record & child support entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy/ child support is mine.
XXXX XXXX & XXXX XXXX are reporting on my credit and attempting to collect debts that are not mine. I did not apply for those accounts and do not understand how they can report to my credit. 
THe debts are old also, past the statute of limitations in MO.
I submitted a dispute to Early Warning on XX/XX/XXXX due to the incorrect information stated on my Early Warning consumer report which was reported by XXXX   XXXX XXXX on XX/XX/XXXX. 

XXXX XXXX XXXX reported my checking account to Early Warning with the contribution reason " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' after I used my mobile checking app to mobile check deposit checks I received from a customer. After XXXX XXXX XXXX completed the transaction of all of the checks and deposited the funds into my checking account, I used my debit card to pulse the funds out of my account, then received notification from XXXX XXXX XXXX that the checks were bad. I visited with a XXXX XXXX  XXXX branch manager in person immediately after I was notified that the checks were bad, and manager assured me that it was an incident that occurs all too often and that I would not be affected negatively since I was a victim of fraud. But then, XXXX XXXX XXXX closed and reported my checking account to Early Warning stating I was " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner '' which is false, and why I submitted a dispute to Early Warning. 

I was 100 % authorized to use my mobile checking app and I am NOT prohibited from using my mobile checking app to mobile check deposit checks into my checking account. It is the responsibility of XXXX  XXXX XXXX to handle each transition correctly since I am the consumer and not trained or skilled to recognize fake or fraudulent checks. 

Early Warning sent me correspondence regarding my dispute and my rebuttal statement regarding the denial of my dispute. Their response stated that " we have determined this dispute to be frivolous or irrelevant and are terminating the reinvestigation of the information disputed '' which is totally demeaning and unethical. My dispute stating that I was a victim of fraud ( someone gave me fraudulent checks in exchange for goods ) is far from frivolous or irrelevant. It is the facts and proves the information on my report to be inaccurate. 

Early Warning 's decision to leave the inaccurate and negative information on my consumer report is wrong ; the information should be removed due to the inaccuracy. Like every other XXXX  XXXX XXXX consumer, I was authorized to utilize my XXXX XXXX XXXX mobile checking app and the mobile checking deposit feature on the app. I should not have to succumb to stress and financial hardship for 7 years because XXXX XXXX XXXX took it upon themselves to transact and deposit checks into my checking account that were bad.
This is an update to my complaint against State Farm Bank, case number XXXX. Thanks to the CFPB, SFB responded and finally seemed willing to resolve my issue. I heard from XXXX and XXXX from corporate on XX/XX/XXXX and XX/XX/XXXX respectively. On XX/XX/XXXX I also reached out to XXXX Escalation Specialist, XXXX, who conferenced me with SFB rep, XXXX. XXXX, XXXX, and XXXX all saw something in my account and wanted to either " research '' it or in XXXX case -- refer my case to Corporate. I agreed to continue speaking with XXXX today, XX/XX/XXXX at XXXX Pacific to thoroughly examine my case, but XXXX XXXX did not call. I reached out to XXXX XXXX and XXXX this morning, requesting assistance, but have not heard back. I have been through this countless times within the past 6 months where SF Bank can not explain why they charged my Visa {$540.00} and why they lost my XX/XX/XXXX Visa payment of {$540.00}. They always need to " research '' something and either never reply or a new rep who is unfamiliar with my case falsely accuse me of requesting this charge. This is not a hard case to solve, yet it seems they see the discrepancy but refuse to admit fault. Please explain this {$540.00} " payment reversal '' that SFB placed on my Visa. If it is a refund, trace it, because I have not received it. If this reversal was done to pay for my XX/XX/XXXX insurance, then why did you do that, because I already gave you {$540.00} on XX/XX/XXXX to cover my XX/XX/XXXX insurance plans? Also, why was my {$340.00} XX/XX/XXXX Visa bill placed in collections on XX/XX/XXXX when that Visa bill was n't even due until XX/XX/XXXX??? The bill was n't due yet you placed it in collections?! Can you explain any of this? I have all my account statements on hand. Please reply.
XX/XX/XXXX, 8 years ago, Bank of America in XXXX XXXX, California, gave us the contents of a checking and savings and access to a EMPTY safe deposit for a deceased relative. 

Bank of America withheld the existence of another safe deposit box for 8 years and only notified us XX/XX/XXXX, after they drilled it open and provided us an inventory which showed cash, legal docs, XXXX insurance policies, and other valuables. The inventory was conducted by Bank XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, they failed to sign the Inventory, as required by law. All signatures were left blank. 

I believe XXXX XXXX and XXXX XXXX stole the contents and only sent this notice because they did not expect for me to be living at the same address as the box owner 8 years later. Throughout these years they 've never notified me of the existence of the box and I 've lived at the same house that we inherited from the deceased and that is on the deceased 's account. 

Upon receipt of the notice of the box, I provided them with all the documentation they requested. Upon confirmation that they had received all the documentation they needed to release the property we had an appointment to get the contents. 

When I arrived for our appointment they first lied and said they could n't find it, then they found it but refused to release it because a " mysterious '' person 's name had been added to the account. No one knows who this person is, not even the bank because there was no ssn, date of birth or any other identifying characteristics. The name was a common name that could be XXXX people. Based upon this unknown person, they refuse to give the us the property. 

Again, I suspect local bank employees or management, XXXX XXXX and XXXX XXXX have stolen the contents, placed some unknown fake name on the account and now the local branch is know covering up for them. They wo n't provide me with any procedures to recover the property and keep giving me the runaround. 

Please help.
I have been contacted by this company Portfolio Recovery Associates at my accounting office for a debt for someone of the same name, but a different social security number. The person actually lives in another city. This started in XXXX. ON XXXX XXXX I was contacted XXXX times. Again on the XXXX of XXXX and now today the XXXX of XXXX. I have cooperated with them each time providing my personal information and asking them to remove my phone number. Again I did today, XXXX XXXX.
We closed on our home with a BoA jumbo mortgage loan in XX/XX/XXXX. Approximately 6 months after our closing, the city sent us a notice saying that our taxes had not been paid. We contacted BoA and it was hard to get a hold of them. When we finally did get a hold of them, they assured us that they would take care of it. Now, 1.5 years after our closing, we received another notice from the city saying that our taxes are delinquent again. After speaking with the city tax assessor 's office, it seems that our taxes have never been paid in the last 1.5 years and our property is going up for auction if taxes are not paid by XX/XX/XXXX. 

We again contacted BoA, who assured us the payment would be sent by XX/XX/XXXX. They payment has not been received by the City Tax Assessor 's office. We received another document stating that our property will be going up for auction due to delinquent taxes.
Hello, Contacting you is my last effort to resolve the issues I 've been experiencing with the credit bureaus. I have incorrect information being reported on all XXXX. The compliant is being filed against Equifax specifically. I will do each compliant separately to aviod missed information. I have disputed all hard inquiries on my credit, my personal information, and several accounts that are in collections that do not belong to me. The confirmation number for my most recent dispute with Equifax is # XXXX. They have my incorrect date of birth and spelling of my name listed on the report. The correct personal information was included in the dispute request that I submitted on XXXX. This is my 3rd attempt to have all hard inquiries removed as well as the accounts in collections as they do not belong to me and were not authorized by me. I have submitted supporting documentation of my identity and they still have not updated my information nor deleted the inquiries. I would appreciate it if something is done in regards to the fraudulent activity on my credit report as the credit bureaus are n't handling the matter. I have attached a copy of my identification as it is listing an incorrect date of birth on my report.
JH Portfolio Debt Eq is trying to collect a debt of {$1100.00} this was included in a chapter XXXX bankruptcy in the State of Oklahoma XXXX District case # XXXX. They are reporting this debt to all 2 credit bureaus showing as an open account and the past due balance is due now. They are now calling me and harrasing me over the debt.
I was accepted into the PSLF program, had my loans transfered to FedLoan Servicing, and was eventually told that the last 10 years of payments I made while working for a qualified organization would n't count. I was told my repayment plan ( Extended ) was n't one of the ones on the list. That makes no sense! The program was described as being income contingent when I signed up for it but according to PSLF ( as administered by FedLoan ) the repayment plan did n't count. Someone needs to explain to me how the Extended plan is n't income contingent. The purpose of the plan is to ease the strain on borrowers ' finances ( versus Standard repayment ). At no time in the last 10 years of my repayment did anyone tell me not to proceed with my application or promote PSLF options that would have benefited me. I want my loans forgiven. I did my part and made 10 years of payments while working for a qualifying organization while under a repayment plan that was based on my income at the time of payment enrollment.