WillisBack/dataset-financial-user-claim huggingface dataset:
The TRANSUNION credit bureau is listing a public record for a judgment that is not valid. I 've requested them to investigate the validity and they are lying saying that they are going to confirm its validity. I 've just received a letter from the  XXXX  County Supreme Court Stating they do not nor ever reply or verify or validate any information with the Credit Bureaus. I 've also Put a FREEZE on  XXXX  information so Transunion is lying and we want it removed immediately.
I received a message that my information may have been compromised. This is unacceptable and Equifax should have placed proper security measures to prevent this. I now have to freeze accounts, and live in paranoia.
I had a judgment against myself in the original amount of {$670.00}, through XXXX County Superior Court. Over time, this judgment incurred interest, in which I agreed to settle on a total amount of {$1700.00}, with a one time payment. This payment was made via XXXX XXXX Personal Check, No. XXXX, on XXXX/XXXX/15, in the amount of {$1700.00}. 

I never received a receipt from XXXX County Superior Court, so I do n't have one to furnish, but I have attached a copy of the payment. The rest of the information I have on the judgment is as follows : Payment Date : XXXX/XXXX/15 Check No. : XXXX Amount : {$1700.00} Bank : XXXX XXXX Address ID No. : XXXX - XXXX Identification No. : XXXX - XXXX XXXX ID No. : XXXX This judgment is showing up on both my XXXX and TransUnion Credit Report. Had I not have just started a XXXX XXXX, I would have never known about it. This is affecting myself and my family more so due to my Credit Score being affected by an estimated XXXX-XXXX points, while being in the middle of underwriting a Home Loan. 

I have submitted disputes with both XXXX and TransUnion, as well as submitted a compliant to the Washington State Attorney Generals Office, along with your Bureau. Please let me know if there 's anything I can do to help move this along as quickly as possible, the difference in Interest Rates will cost me thousands, upon thousands of dollars if I do n't get this taken care of. 

Thank you for your time, I appreciate your help. 

XXXX XXXX XXXX XXXX
This is a follow up from a previous complaint to insure proper, final resolution. 
Please find enclosed documentation from XXXX XXXX XXXX regarding a long disputed account I 've had with them. This account has been misreported in recent years by them and subsequently the credit bureaus, which has harmed my ability to obtain credit. 
I 'd like to address XXXX issues that should be updated and corrected per the information contained in the BofA letter. Due to my multiple disputes throughout this year, it appears the account has been repeatedly updated to reflect it as charged off but appearing to be something that is newly reported when in fact it was charged off XX/XX/2012. There should be no other charge off information noted to the account other than XX/XX/2012. Additionally, the letter clarifies that there is no balance owed ( this has long been reported with a balance of {$21000.00} ). 
It would appear that because of these continual challenges and " updating '' that the account event status was reported as recent and not when originally occurred ( XX/XX/2012 ). It would appear that this has had a direct impact on my reduced FICO scores since I have no other recent derog credit, my current account balances have been dropping and all of my payments have been made on time. Please research this as well and make any account updates necessary to restore the accuracy of when events with this account took place ( charged off XX/XX/2012 and not recently as well as {$0.00} balance owed ). Thanks
I have tried to removed several addresses from my credit report that are not deliverable by usps and are very old and have errors and are damaging damaging to credit file health. Experian has not remove one address at all.
Filed a chargeback dispute as a result of receiving defective merchandise from XXXX. I provided Citi with all information requested in a very timely fashion. Citi then adversely closed my dispute stating that I had not provided requested information in a timely fashion. I provided all requested information to them. At no time did they ever communicate with me that they needed additional information.
The lender has failed to provide the required notice of additional required documents wi thin five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv  ).
Transunion is reporting unverified information on my credit report. Below are listed items that have been disputed but I have not received a response with any proof of accounts belonging to me. I have no contract with any of these creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I spoken to discover many times and I ask then to help me out since I 'm still experiencing a hardship financially on my minimum payments. 
I ca n't afford the minimum payment is to high. I ca n't not pay XXXX and up its to much 5 months ago discover enrolled me in a plan which help reduce the interest rate lowered as low as 9 % or 7 % or lower. I was told that if after the 5 or 6 months they gave me if I was still struggling and if my emergency and financial situation was the same that I could contact discover back to enroll for another 6 month or 1 year depending on the offer they can get me. I am very upset because discover denied me the help I need. I need help now. My intention and priority is to pay all My statement balance in a period of time little by little but having just the minimum payment been high it is difficult for me and ca n't afford that payment and interest at this time. I wish my payments was as low as 30.00 to 40.00 each month like the 5 month or 6 I was only paying XXXX It was very helpful. 

I was also promise no late fees and u was also promise no interest charges for the 6 or 5 months but I did got interest charges fees and I told discover why if they promise to wave those 6 month or 5 of no interest charges on purchases but they still did. My account did n't changed much because they lied on not charging .e the purchase interest charges that is why it did n't lowered .Y balance as I have a XXXX payment rhe interest purchase charge was 35 to 45.00 so not a big change. This is approximately. 
I feel rejected and I feel left behind moments like this is wen I need help the most.
Transunion has fail to provide me with proper documentation regarding a XXXX account that I have disputed in the past and is still been reported as accurate.
suntrust charge me over {$200.00} way after the account should have been close and send it to collection. when the account was close the balance was {$200.00}. i told them to send me a bill to pay, they never did instead i received a collection letter.
I notified my Mortgage Company, Freedom Mortgage, on Apr XXXX, 2016, that XXXX of my parcels taxes had not been paid from my escrow account. They ended up only paying for XXXX of them. Now my taxes have been sold at tax sale in XXXX 2016, and I have started the process of redeeming them myself. I have notified them, but I only get a boilerplate response that they have received my communication. This is not acceptable.
I allowed myself to be talked into replacing the roof of my townhouse in the start of calendar year XX/XX/XXXX.  The financing to cover it was a XXXX XXXX XXXX XXXX credit card. I assumed it was a fixed amount card as it expired in XX/XX/XXXX. At the start of the year I had over {$11000.00} to pay down and was able to get the debt under {$6000.00} before XX/XX/XXXX. When I received my XXXX statement, I was socked with an interest lump sum of {$4700.00} to inflate the debt to over {$10000.00}. I consulted my retirement account counselor who directed me to this website. The credit card in question is " XXXX XXXX XXXX XXXX '' and this financial division/group is already under scrutiny from the Consumer Finance Agency under Complaint ID XXXX ( the counselor perused this information and provided the Complaint ID ).
I am writing this letter as a complaint against both XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and The XXXX XXXX XXXX XXXX for violation of the SCRA laws. 
I took out student loans from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX and XXXX for a combined amount of {$21.00}, XXXX. When I joined the XXXX in XX/XX/XXXX, I sent notice to all my financial lenders a form indicating I was going into XXXX XXXX. I was on XXXX XXXX in the XXXX from XX/XX/XXXX through XX/XX/XXXX. I am enclosing the official form ( XXXX XXXX XXXX ) as record of the dates. During that time, I was also XXXX to a hostile environment ( XXXX XXXX ) for the dates of XX/XX/XXXX through XX/XX/XXXX ( Letter attached ).

With the SCRA laws, my payment were to be deferred 180 days after my separation date of XX/XX/XXXX ( approximately XX/XX/XXXX ). However, in XX/XX/XXXX I received notice from the MN Department of Revenue that they kept my state refund to apply to my debt. I also received a letter in XX/XX/XXXX that the Wisconsin Department of Revenue kept my federal tax refund of {$1000.00} to put towards my debt. This is when I started contacting Great Lakes. 
Great Lakes is claiming they never received notice of XXXX XXXX or the request to reduce interest on my loans. They sent my loans to the XXXX XXXX XXXX XXXX who sent my debt to a collection agency stating I was in default. Numerous phone calls to try to resolve the issue did nothing. They would not accept my XXXX XXXX XXXX and did not want me to send them the forms to show I was on XXXX XXXX. 
I finally wrote to the US House of Representatives for assistance on XX/XX/XXXX. They took my information and paperwork and wrote to the XXXX XXXX XXXX on my behalf. The response from the XXXX XXXX XXXX on XX/XX/XXXX ( attached ) indicates they were going to pull my account back from collections, refund my tax refunds, remove my loans from a default status and return the loan to Great Lakes so I may work with them. 
It is now XX/XX/XXXX and of the above actions, the only thing that has happened is the refund of my tax refunds. My credit bureaus are still showing default and the loan has not yet been returned to Great Lakes. This has caused me financial difficulties in trying to apply for other VA loans and get approved. 
My expectation is that my loans reflect the 6 % or lower APR that was to be applied throughout my XXXX XXXX status, deferment that was supposed to take place and the 0 % for the time I was in a hostile environment which was then to be deferred for 60 months. In addition, I want all negative credit bureau reporting of default or collections to be removed and the trade line from the XXXX XXXX XXXX to be deleted since they were sent to them in violation of the SCRA. Any compensation that would apply due to the violations of the SCRA laws are also expected, up to and including waivers of monies owned and fines and/or citations to Great Lakes.
I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to XXXX, TransUnion and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.
I disputed the account with TransUnion in which TransUnion corresponded that the account with XXXX XXXX is valid. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank regarding the alleged account. TransUnion was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged account and the creditor XXXX XXXX Bank can not validate the alleged debt?
I am a victim of theft. An individual ( s ) have accessed my bank account with Wells Fargo, and have drained my account. I believe the charges I disputed were over {$7000.00} in the amount of 48 transactions on my account. There were charges from XXXX and XXXX for {$100.00} back to back and within 1 minute of eachother. My card was cloned. I tried to tell the bank investigator this, but she denied that was even a possibility. I have tried to recoup my funds under the federal class E regulation, but Wells Fargo denies me protection and help to get my money back. I would like a MORE thorough investigation done immediately. My account is frozen, Wells Fargo will not let me have access to any of my money. I am a victim, yet Im being denied protection and the right to access my funds. This is highly unacceptable, as I have a family and young children.
XXXX XXXX XXXX is reporting on my credit and I have never received anything from them. The debt is paid and should have never went on my credit report. They never even notified me and I had no idea what this was for until it showed on my report.
I have recently returned to graduate school. The lender of my private loans, Access Group, has a policy that prevents me from deferring my private loans while in school. The policy is that after 30 months of being out of school I can not defer these payments in the same manner as a student returning within this period. I would like the same treatment as a student returning to school within this period.
On XXXX XXXX 2010, I gave XXXX XXXX a 30 day notice to vacte the property. I was cleared from the property with no fees for damages or repairs. I had lived there for 3yrs, it was considered normal wear a tear. According to Texas law you have 30 days to charge a tentant for damages. After I moved out the owner changed property managers to XXXX XXXX XXXX. At some point and time the owner and XXXX XXXX did another inspection in XXXX. And is trying to charge me for the repairs they made. It was way passed the 30 days to charge. The collection was done by XXXX XXXX not XXXX XXXX, the property manager that cleared me from the residence. So how can 2 months go by and they decide to charge me. I beleive the residence was vacant until that time. The repairs are petty in my opion. I do n't understand how can there be so much damage. I was XXXX for XXXX months out of the 3yrs I was renting the residence and I lived alone.
I have never received any information regarding this debt. No mail, no contact to validate. I have submitted multiple investigations to the bureaus because it just suddenly appeared on my credit report. After submitting first investigation, they added it to another bureau and after disputing that one, they added to the third bureau. I am at a loss here for how they could report something on my credit and not be able to send me any validation of this debt? The company is Midwest Recovery Systems. Also they are reporting an opening date for the account as last month and that is not possible. I have a clean and clear good credit report. No defaults or delinquencies.
Ability Recovery Services is currently reporting a debt of {$130.00} from XXXX XXXX XXXX XXXX on my credit report. To date, I have never received the required validation notices for the account - actually I have never received any written notification regarding the account balance or any information validating the debt. Clear violation of FDCPA.
I have filed a lawsuit against Bank of America XXXX BofA XXXX for billing disputes. I won a judgment in small claims court XX/XX/XXXX against BofA. BofA appealed the judgment and I am currently in the Court XXXX in PA for this matter. My credit card expired XX/XX/XXXX. I did not receive my new credit card from BofA. When I contacted BofA XX/XX/XXXX to inquire of my new card, I was advised that my address on file was not correct and the card was previously returned to BofA and that BofA would expedite sending to me a new card. In 2 weeks I had not received the new card. At that time I was advised that my account had been closed. My account was not delinquent. I believe that BofA closed my credit card account in retaliation to my legal claim against BofA for unfair billing practices. The credit card is an affinity card for my XXXX School XXXX XXXX. The card also has a 6.99 % interest rate which is very economically beneficial for me. I would like to have my card reopened by BofA as they had no reason to close my account.
On XX/XX/2018 I connected with a person who called himself XXXX  ' who I spoke with on a XXXX Ticket Exchange page. I was looking to purchase tickets to a concert at the XXXX XXXX XXXX on XX/XX/2018. After asking XXXX if he still had tickets that he had messaged me about on XX/XX/2018, he agreed to sell me his tickets. After a long deliberation, XXXX promised that he would transfer the tickets to me over the XXXX site, which has worked for me in the past, for {$300.00} over XXXX. Later that night on XX/XX/2018, I transferred {$300.00} to XXXX as promised over XXXX. He urged me to make the transaction a 'Friends and Family ' transaction as these transactions take less time to transfer, he claimed. After I transferred the money to the account he specified, which he claimed was his girlfriend 's XXXX 's account, he said he was going to call XXXX to get the tickets transferred. Over the next 36 hours, XXXX delayed transferring the tickets for a number of reasons detailed in the attached message exchange. He eventually informed me that XXXX informed him they could not transfer the tickets over XXXX accounts as the specified venue did not support that feature, which I knew was not true as I have used the ticket transfer feature for this venue before. I looked at the E-Mail he sent me, which was from another person 's name and E-Mail address, XXXX XXXX. This e-mail had the " tickets '' attached, but the attachment on the E-Mail was a broken attachment and nothing opened. I started to get suspicious and asked that he refund me my money or transfer the tickets via the XXXX account feature. He agreed originally, but after another long deliberation he claimed he could not transfer my money back for a variety of reasons. I threatened to contact XXXX and US Bank to report the transaction as fraud, and he continued to delay refunding me. Eventually, he discontinued contact with me so I contacted XXXX and US Bank. XXXX informed me I could not receive a refund because the transaction was started as a 'Friends and Family ' transaction. I contacted US Bank and submitted a claim, and they too informed me they would not pay out the claim.
I tried to get a Wells Fargo secure credit card and open a checking account with them but something is stopping me from opening
On or about XX/XX/XXXX i purchached a XX/XX/XXXX XXXX from XXXX in XXXX ca. For XXXXWithin two weeks the vehicle was towed XXXX they replaced a eater pump which again exploded cracking the block. I requested they replace the engine severral times and they denied my request. Knowing and willingly they they closed the first contract to sever my right to sue and opened a new contract for the sale of a XXXX which also had mechanical problems when i took it in they advisrd of a rotor replacement and did not repair any other parts neededwhich ate up XXXX tires it was serviced on the last day of the warranty. Thereafter it was repossed and i lost my evidence while in sear h of an attorney and now have no car and bad credit.
EOS-CCA ( XXXX XXXX ). Total debt was over 3000. 

I requested a settlement offer and I was also told that they could not provide this information in writing to me. 

I requested to make a final payment based on a settlement offer that I was provided in XX/XX/XXXX. I was provided a {$1500.00} settlement offer with payments for a 4 month period. {$370.00} per month. At no time did EOS CCA tell me that i had a 30 day window to pay this settlement offer. 

I called at the end of XX/XX/XXXX to change the payment to {$100.00} and to move the balance from that payment to the next payment due to unforeseen circumstances. Not one time was I advised that my settlement offer was going to be cancelled. 

I called again to do the same thing and once again no one stated that my settlement offer was cancelled. 

I called on once more asking about removing the debt from my credit report. I was advised that it could not be done. 

I made another call XX/XX/XXXX to get the final payoff of the settlement and it was that time that I learned he settlement had been cancelled. They try to say that I have not made payments when In fact, I made payments in the amount of {$100.00} and {$50.00}. 

I was just told by a representative today XXXX that I had 3 additional payments scheduled. How can that be if they only provided me 30 day window. 

I am requesting that this debt be REMOVED from my credit report. as I was provided incorrect information.
I have reached out several times to XXXX ( XXXX XXXX ) to discuss the huge amount of interest that was added to my once {$13000.00} loan that is now {$25000.00}. I had no idea that when I was in school not making payments that the loan would still be accruing interest so it was truly not in deferment. I have made several attempts to find a solution with the loan providers. I get the run around that its a private loan and all XXXX does is collect the payment so there is nothing that can be done unless I pay my loan off in full. I have tried to make a settlement payment with them and have tried to get the late fees taken back just to make the load pay off more manageable. Mean while I just keep paying several hundred dollars each month that I just found out is not even covering my interest payment! The interest rate has increased and it is impossible to pay off the current loan amount at the rate that its going. I am tired of getting pushed in to forbearance anytime I call with concerns of not being able to afford the payment. I feel at this point I have exhausted all options. My last call to them was in XX/XX/XXXX2018.
On XX/XX/XXXX My husband ( XXXX XXXX, SSN XXXX ) and I traded in for payoff, a XXXX XXXX XXXX to XXXX XXXX of XXXX XXXX. The XXXX was financed in XX/XX/XXXX by XXXX XXXX ( XXXX XXXX ). 

XXXX and I left the XXXX at the XXXX dealership and took possession of a XXXX XXXX XXXX. We were of the expectation that within 10 days XXXX would be paid in full for the XXXX XXXX. 

In XX/XX/XXXX, we saw a 30-day late on our Experian Credit report. We disputed it several times online to no avail. The most recent dispute is attached. This was filed after I personally spoke to XXXX and Experian and XXXX stated they were not going to change the report. Experian suggested that I get more supporting documents, which I attached to prove that we were not at fault for the 30-day late. The General manager at the XXXX dealership also drafted a letter stating the same and detailed the turn of events that resulted in the late payoff to XXXX.
They called my cell phone to get a hold of my husband, I called them back asking what it was about and they told me to tell my husband to grow up and pay the bill. They also said that their records indicate me ina " negative light '' and she wanted me to tell my side of the story before putting in her recommendation. They've called me twice and said they were going to take legal action.