WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted several disputes to Transunion regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Transunion is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Transunion has not provided me with any VALIDATION OF THESE ACCOUNTS. Transunion constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Transunion what did the company VALIDATE with them, and I have repeatedly been ignored. Transunion and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from XXXX and XXXX XXXX XXXX to remove from my credit file. Please see attached.
Hello, I opened up a new account with Chase with a 15 month no interest promo and balance transfer option. I tried to transfer {$4000.00} on the new card and the workflow of their online system didn't work correctly so I could see it was executed. I called them up to verify and they had no record of the transfer. I had 2 open cc accounts and they failed to look at my other card for some reason. I received my credit card statement from the card I was making the transfer from today XX/XX/2019 and I had a {$3800.00} credit. 
I called Chase up and told them their online transfer system was not correctly working and they denied it. I told them that the their system auto defaulted to selecting the wrong card and didn't display any info regarding status or timelines. - it still doesn't reflect as of today. I paid off the card because I don't pay transfer fees. - This was my first one ever attempted. I closed both of my cards out with Chase today in principal for not waiving the fees. Please help me get my {$160.00} transfer fee back!
I was closing on my house XXXX/XXXX/16 and my realtor emailed me wiring instructions for the closing on XXXX/XXXX/16. I printed them and took them to XXXX XXXX, my bank, and wired the {$51000.00} to the bank of America account on the email. I was notified at XXXX XXXX on XXXX/XXXX/16 the title co had not received the funds and immediately went to XXXX XXXX. I met my realtor and it was determined her email was hacked and the bank information changed, XXXX XXXX, XXXX banker, filed a fraud claim. I walked over to Bank of America and spoke to XXXX XXXX explained the situation and asked him to freeze the account. I was told I am not their customer and he would only deal with XXXX XXXX fraud dep't. He gave me a code " XXXX '' and said to make sure XXXX XXXX used the code on the report. I returned to XXXX and XXXX XXXX added the code. I was told the wire had not been initiated until XX/XX/XXXX as it was XXXX on XX/XX/XXXX when I had requested it and they thought it could be stopped. On XXXX/XXXX/16 XXXX XXXX XXXX XXXX called and told me the money had been withdrawn that day from Bank of America. Bank of America could have prevented this and I have lost my life 's savings.
Back in XXXX XXXX, someone tried to open a XXXX credit card under my name in Arkansas and XXXX sent a copy of the credit card application to my prior address in XXXX. I have been living in XXXX XXXX since XX/XX/XXXX. My ex-roommate who still is living in XXXX called me and mailed me the copy of application. I notified XXXX and they send me a form which I filled out along with all documents they requested proving that I was n't the person who applied for their credit card. They sent that letter to all the credit reporting agencies for that hard inquiry to be removed from my credit. I filed a fraud report with all credit reporting agencies and also I placed a freeze on my credit report, however XXXX still was showing that hard inquiry on my credit. I called them and they said I need to either file a police report ( which I did but the police refused to file a report because they wont consider it as identify theft yet ) or have XXXX to send them a letter confirming the error. I called XXXX last month and they said the sent the letter to all agencies back in XX/XX/XXXX. I called XXXX again two weeks ago and stated they will resend the letter, no problem. As a today, the letter never arrived. I called Target today and this time the supervisor stated they can not resend the letter. He does n't have an explanation of why. I called back Equifax and again they said XXXX need to submit the letter. Because of this bureaucracy, at this point my credit has been lowered and I ca n't get a better deal refinancing my home.
I was a customer of Conn 's appliances. I was told that I could pay extra for insurance that would pay for appliances if I lost my job ect. it was a secured loan and when I lost my job and I called them. it was explained to me that i could lower the payments by refinancing or i could just file for the insurance and close this account & gt ; I did n't know they would put a charge off on my credit and keep reporting me late and its been over 2 years ago.
I had an account with XXXX XXXX prior to the merge with Wells Fargo in XXXX. I called customer service and closed the account leaving money in the account to cover any charges for 1 month. I called back to customer service and advised that I would be withdrawing the additional funds from the closed account, but I will leave enough money to cover the ATM charge. In XXXX, I received notice from Wells Fargo regarding excessive charges to this closed account over {$200.00}. ( Please note there was no correspondence by phone or mail from Wells Fargo prior to receiving this notice. ) I called the phone number provided on the notice and requested bank statements to support the alleged charges. I received the month prior with a positive balance and the month after negative balance, but they failed to send the actual month that the alleged charges occurred. I called again to request this month, but was told that it should be there. The person became argumentative when I advised him that I did not receive the document. I advised the personnel that if the company can send me actual proof of the amount owed, I do not have a problem paying an amount that I owe. 

On XX/XX/XXXX, I received a voicemail stating that she will attempt to serve papers tomorrow on XX/XX/XXXX between XXXX, if she is unable to serve the papers then she will document that I refused the papers and the court proceedings will comence without me leaving a contact number of the plaintiff department at XXXX. At the time, I was totally unaware of what the call was referring, but the representative ( which voice sounded the same as the one leaving the prior voicemail ) advised me that it was referring to a XXXX account. The representative then stated that I owe a total of {$440.00}, but I have the option of paying 70 % of the total owed in the amount of {$310.00}. I was also given the chose of making installments? I explained to the representative that I requested documentation from Wells Fargo in XXXX to support the charges, but they failed to send me the proof of the actual charges. The representative stated that she did not have access to banking statements and inquired about how I wanted to proceed? I advised the representative that I was not going to pay an amount simply because they say that I owe an amount that they are not willing to provide documentation. The representative stated that she would document that I will continue with court proceedings.
I was a victim of the XXXX cramming fraud. My account was validated as eligible for restitution. Midland funding has attached this account to my credit report and has applied fees on top of erroneous cramming charges.
I have been devoting my entire life for the last two years fighting with OCWEN loan servicing. They are completely and totally inept, send us letters saying they have n't received payment when the check has cleared BEFORE the date of the letter. Their call center is in XXXX, and they just have drones answering the phones reading from scripts. That is how I got into this mess in the first place, by following the instructions I was given from XXXX. That was two years ago, and I am still fighting. It should not be a full time job paying your mortgage and dealing with the mountains of incorrect and useless paperwork one receives from them. However, i refuse to give up. If I have to DIE from fighting them, I will.
This is in regards to the Navy Federal settlement. I was affected by their debt collection practices over the course of several years dating between XX/XX/XXXX-XX/XX/XXXX. My account access was frozen now allowing me to log in and pay debts. Additionally, just recently, they have not reported a consumer loan as " paid '' on my credit report. The loan was paid off XX/XX/XXXX. My credit reports still reflect " 60 days past due '' which was in dispute to begin with. I was making monthly payments on the loan but somehow it still fell behind 60 days.
I have been a customer with  XXXX   XXXX   XXXX  for 4 years now. I have always had internet service with them. Last year in  XXXX , my credit card was shut down due to fraud and that caused my payments to be late with my internet service.  XXXX   XXXX   XXXX  shut off my internet, and I had to re-establish my account with them after I resolved the issue. When they re-established my account, they opened up  XXXX  accounts simultaneously for the same address. I managed to get them to close  XXXX , however I was unaware of the second one that was still open. I got a message saying that I owed {$93.00} on this account. I disputed it saying that I never consented to this account being opened in my name. I had several people inform me they would remove it from my account and that it would take a " few billing cycles ''. In addition to dealing with this account, I had an offer to open up another bundled account with a home phone to reduce my current  XXXX   XXXX   XXXX  internet service bill. I did not want to have the home phone, however they opened it up in my name without my consent anyways. Now I have  XXXX  accounts,   XXXX   opened without my knowledge, and  XXXX  now having gone to collections. The home phone was charged to me as {$110.00} and the other internet for {$93.00}, all the while, I have current internet service with  XXXX   XXXX   XXXX  at my address that I am paying on time each month.  XXXX  have gone to collections. My  credit score  was  XXXX  and is now  XXXX . I am currently disputing   XXXX    delinquent accounts but not getting anywhere.
I noticed that a collection account was added to one credit report and it was not mine as a result of identity theft. I have been a victim of identity theft. It was soon there after deleted from that one then added to a different report. This account does not belong to me.
I had my Bank of America debit card information skimmed and I filed for fraud with my bank on XX/XX/2018. They gave me temporary credit of {$1200.00} while the claim was being investigated on XX/XX/2018. They later contacted me on XX/XX/2018 to tell me the accredited amount had been adjusted to {$11000.00} because some of the purchase were valid, which is true because I mistakenly add those purchase and before this called Bank of America to notify them which the operator barely acknowledge my concern about mistakenly adding them so I am unsure if they even received that information. On XX/XX/2018 they contacted me for the last time saying that the claim has been resolved and that they are unable to pay and took the money back on XX/XX/2018. I did not have enough money to pay them back and now they are attempting to collect a debt that I do not owe because I was never liable for those purchases.
On XX/XX/2018, I disputed XXXX XXXX that its inaccurately being reported on my credit report stating that I owe {$2400.00}. I have yet to receive a response from regarding removing this information from my credit report and this investigation is well over the 30 days allowed per FRCA law. I do not owe this company any monies nor have I ever been late on a payment. I am requesting this account be removed from my report immediately or I will file a compliant with the XXXX XXXX XXXX. Attached is proof that I owe XXXX dollars given to me from XXXX XXXX and a copy of the contract stating that I had the right to terminate the lease early.
Ally financial charged me a late fee of XXXX for a late amount of XXXX. I contacted Ally via their web site ( which states a XXXX response time to complaints/comments ) twice without any response. I did n't realize I was short on my payment for XXXX As soon as I received a note from Ally - on XXXX/XXXX/15 I scheduled a XXXX payment. How does a bank get to charge 100 % late fee. Today XXXX/XXXX/15 I received another note from Ally saying they are charging me another XXXX plus XXXX. This is crazy. Additionally about 3 months ago I called Ally and requested an audit of my loan because I felt Ally was not crediting my payments correctly. The agent told me Ally does not do that - she absolutely refused and advised Ally has no executive services for handling customer complaints. Please investigate this lender they are terrible.
On XX/XX/XXXX, I sent a letter to Experian, asking them to investigate certain accounts on my credit report. They were supposed to responds within thirty days, but they have yet to do so.
During a time of financial hardship I fell behind and was unable to make student loan payments. During this time I received several threatening phone calls from a company servicing my federal student loans called XXXX investment corp . Representatives at the company were demanding that I pay the entire lump sum of the loan amount. During several harassing phone calls representatives threatened to send my loan to a law office that will garnish my wages unless I made a payment of {$50000.00} over the phone. I was unsure who this company was and they were unable to confirm details of the accounts. Income based payment options were not made available. Excessive fees and high interest have also been added to my loan balance.
My life changed drastically back at the XXXX, and my payday changed also. I called and asked LoanCare if they would please move my due date out a few weeks. They refused stating it is a contractual agreement. Well, hello! Life freaking changes, how am I supposed to know we would have a tragic death in the family and that my employment would change. If this company has even an ounce of human compassion they would change my loan due date by 12 days, and it would n't hurt them in the least, but we are just a number to them. I ca n't wait to get my loan picked up by a VA refinancer. LoanCare is the worst mortgage company I have ever dealt with.
Transunion has an old charged off XXXX credit card on my credit report. The account was last reported in XXXX/XXXX/2007 with a balance of {$790.00} which makes it over the 7 years.
They have a collection report on my credit report I have sent 609 letters to the company and the credit bureau to get verification that the debt is mines and ut has been over 30 days and no one has responded to me, also the company is not licenses in the state of texas therefore they are not allowed to collect any debt from me, my texas identification number they have dont match my original id therefore they are also reporting false collection on my report
Hello Hello - I sent a wire transfer over 3 weeks ago to COINBASE bank location. 
I am requesting the funds sent back immediately. 
They have not given me access to these funds.  They have not posted these funds to my account. 
They have not posted a transaction of this wire transfer. 
They refuse to acknowledge the situation. 
They refuse to respond From Account Number : XXXX Share : XXXX - BUSINESS CHECKING Name : XXXXXXXX XXXX  Email : XXXXXXXXXXXX XXXX Phone : ( XXXX ) XXXX Transaction Date : XXXX/XXXX/XXXX Amount : ( {$1000.00} ) Description : WIRE TRANSFER SENT TO THE FOLLOWING BELOW SENT TO : Coinbase Routing/ABA Number XXXX Account Number XXXX Recipient Instructions/Message XXXX
I believe I received this offer after clicking a sponsored ad for credit card offers on XXXX. A few days later I received an unsolicited prepaid debit card displaying my name in the mail. 
Several attempts to reach a " live '' representative failed and automated methods required a SS number that I refused to supply. I have no active account with this organization, so I see no need to offer any personal information beyond my name.
My brother attended the Maryland XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, for which he applied and paid for with a Maryland XXXX XXXX Application for student loan. 
Recently the creditor agency GC Services LP sent documents to his employer and as a result have been garnishing his wages, with no evidence of default on a loan from 30 years ago. Please advise, as we believe GC Services LP to be committing fraud in conjunction with an all-too easily duped payroll supervisor.
A debt collection agency contacted my son regarding a supposed debt he owed our gym, XXXX. He is signed up under our family plan, has never signed a contract, I signed the contract and was less than XXXX when I signed him up. We have an email confirming the request to place his account on hold while he was away at XXXX. When I told them this, the caller told me my son 's birthdate and advised me he 's XXXX now so is responsible for this debt.
This is a complaint against Capital One SAKS FIFTH AVENUE MASTER CARD ; Credit Card. I am a victim of identity theft and this credit card does n't belong to me and and was opened without my authorization. Through the law I have the police report which i will attach with this complaint. So you have the immediate elimination.
Transunion has allowed XXXX to do hard inquires without my permission. I researched this company and it went out of business some time ago. 
XX/XX/2015, XXXX/XXXX/15 and XXXX/XXXX/15 hard inquires
Medical recovery services. The first time they called about 3weeks ago at my work place which the man on the other line would not identify himself to my staff who answered the call and just said it is a personal call then when I answered the call the man would not identify himself except that he is from Medical recovery services but continue to ask me to verify my personal information such as bday, social security number which I told him that I will not verify anything until he tellls me what the call is about and his name and id # and to stop calling me at work so he hung up Then another call yesterday X/XX/17 in the XXXX around between XXXX. They called my office again and ask for me and this time they tiold my staff it is from medical recovery services but when my staff announced the call to me, the caller hung up. So i then XXXX the company that is when I learned they a debt collector. <P/>I feel my privacy had been violated when they identified themselves to my staff and did not stop when asked the first time to stop calling me at work.
My issue is the ongoing negative derogatory impact on my credit report, over and over again I have been denied credit loans and refinance options because my mortgage loan servicer is still reporting Qty : 19 Missed payments for BofA XXXX XXXX # XXXX, even though the Account was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ). An additional Qty : 7 Missed Payments are showing on BofA Loan XXXX # XXXX, where a home loan modification agreement was reached to get this account back to current/favorable status. Loan XXXX qualified and was " Paid and Closed '' on XXXX 2012 ( 43 Months Ago ), under the fraudulent loan provision of the National Mortgage Settlement, Which by law allowed me to claim tax exemption for the loan debt forgiveness under the Mortgage Forgiveness Debt Relief Act and seek credit repair for improper loan servicing practices. Loan XXXX was also renegotiated thru a loan Modification.
After noticing the debt on my credit report, I sent a Debt validation letter to MNET FINANCIAL INC. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, MNET Financial Inc. did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the MNET FINANCIAL INC or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
XXXX   XXXX  is supposed to be a closed account you closed it and re opened it and it dropped m y credit score afte r I already filed an complaint and it reported as a closed account that 's charges off what 's the problem it 's closed on both  XXXX  and  XXXX
I received my credit reports XX/XX/2018. Since that time, I requested a debt be validated on my credit report via the collection agency, XXXX XXXX XXXX based in XXXX, Az. Not only did they not validate the account, they created a FALSE document reflecting a debt to XXXX XXXX XXXX of {$25.00} + 4 years of interest, they supporting documentation WAS ANOTHER PERSON 'S INFORMATION ALL TOGETHER - including their NAME, DOB, HOME ADDRESS and SSN!! 

I sent that in to XXXX as proof that the account could not be validated and should thereby be removed. XXXX broke the law and did not remove the account. 

I had since received a letter from XXXX XXXX Apartments stating the account is to be removed from my credit report. I uploaded the letter twice - once on XX/XX/XXXX & again on XX/XX/2018 to XXXX Credit Bureau - The only ones reporting this erroneously - for them to delete the entry. They pretend that although the letter was amongst other uploads they received, they seem to never have received this ONE letter. 

XXXX Credit Bureau is reporting false and inaccurate information on my report and is not following the established rules and statutes.
On XX/XX/2018, I got an email about my bank account balance being below the requested amount, so I logged into my Bank of America account to check the balance of my checking account and the balance was {$1.00}. I saw that there were 3 unauthorized transactions on the account. There were 2 ATM transactions, {$480.00} and {$500.00}, and 1 XXXX purchase of {$470.00}. I checked my wallet to make sure my debit card was there and it was so I asked my husband to check and make sure he had his debit card and his debit card was not in his wallet. My husband has his card the night before when he went out and does not remember dropping or misplacing his card. The fraud transactions were immediately reported to Bank of America and a fraud dispute was filed. The bank informed us that we would received our money back in 48 hours, which was a lie. When we called back a few days later we were told that the money would be replaced that day, which again was another lie. When we call the fraud dispute line again they told us it would take 10 days ( this was on day 4 of 10 ). On day 10 ( XX/XX/2018 ), my husband received a call from a young lady at the bank stating that she had more questions regarding the fraud. He answered all of her questions and was told that he would hear from them on the following Monday ( XX/XX/2018 ). My husband did not receive a call from the bank, on XX/XX/XXXX, so he called them to inquire about the fraud dispute and was told that the account was closed out because he did not answer the remaining questions they had when they contacted him on Friday ( XX/XX/2018 ). He informed them that he spoke with an associate and answered all her questions when she called him on XX/XX/XXXX. They then proceed to tell him that he would have to wait another 10 days for them to conduct another investigation. We have been lied to constantly by different individuals every time we call and we just want our money back.