WillisBack/dataset-financial-user-claim huggingface dataset:
I attempted to file a dispute with Transunion and XXXX about an item on my credit file showing incorrect dates that affects the time limits as to how long the debt remains on my credit report. The collections account in question shows the wrong first date of delinquency which in turns allows for the item to remain on my credit report for a total of 9-years. I have records I received from the collection agency that shows the last day of payment on the account being XX/XX/XXXX and no subsequent payments made on the account thereafter. After the account was past due for 30-days no other payments were made on the account which would have put the date of first delinquency at XX/XX/XXXX. Transunion and XXXX has listed the date of first delinquency as XX/XX/XXXX, which is incorrect. This date is exactly 2-years after the correct date of first delinquency. Attempts to provide evidence for this has not worked as Transunion and XXXX  does not allow me to upload supporting documentation on their website. I attempted to dispute this information after receiving my free credit report from the website XXXX and transunion and XXXX has refused to let me dispute the collections account and instead made me pay for their service which costs {$19.00}. After purchasing their credit monitoring service to file a dispute, I am still not allowed to file a dispute with supporting documentation. The incorrect information concerning the first date of delinquency remains on my credit report with Transunion and XXXX. The collections account in question should be removed from my credit file on XX/XX/XXXX not XX/XX/XXXX. 

XXXX XXXX XXXX intentionally supplied the credit reporting agency with false information in order to extend the date of the debt on my credit file. This activity is fraudulent and in violation of the Fair Credit Reporting Act.
In XX/XX/XXXX, I refinanced a loan with Mariner Finance, with a total amount due of approximately {$1800.00} for a term of 18 months. This past summer I began having financial difficulties due to budget cuts and reduced hours at my place of employment. I called Mariner Finance on more than one occasion to explain this to them. My last payment in the amount of roughly {$120.00} ( including fees to arrange payment over the phone ) was made in XX/XX/XXXX. According to my credit monitoring service, the loan is reported as 30-59 days late. Today, XX/XX/XXXX, I received a letter from a law firm ( dated XX/XX/XXXX ) stating that I was delinquent in my obligations vis-a-vis Mariner Finance and that if I did not pay the remaining balance of {$660.00} within fifteen days of the date of the letter, I would be immediately sued. I've never encountered a lender who files a lawsuit against a debtor when said debtor is 30 to 59 days late. This is an intimidation tactic that I feel is nothing short of harassment. The letter was a form letter and clearly a photocopy. Furthermore, the law firm did not provide a phone number, only a fax number. " Mariner Finance '' was printed on the bottom right side of the letter. I suspect that this is a fictional letter and nothing more than a scare tactic.
While attempting to refinance a condo owned by my mother and me we ran in to an issue with PNC Bank. Our finance person had the new loan locked in at a significant saving for my mother who is XXXX years old and on a fixed income. She lives on social security and the income from her part time job as the XXXX at a XXXX XXXX XXXX. 

After multiple people and multiple transfers I was finally able to reach someone to ask about the situation and request a payment history. I could not get a consistent answer from anyone. One person would tell me they could fax the information while the next  person would say that faxing was not permitted. I received the same run around with the option of email. 

Finally on XX/XX/XXXX they mailed me a copy of the payment history. Upon review several things stood out. 

First, on a XXXX year old loan which was originally for {$12000.00}, the current balance is {$11000.00}. This means that over the course of 10 years the principal has gone down less than {$1400.00}. Admittedly my mother, who lives in the condo and pays the mortgage, has been late and missed some payments but even with that being factored in that seems highly unlikely. 

Second, the payment history provided ended in XX/XX/XXXXwith a notation that it had been charged off. PNC has continued to accept payment past that point but refuses to provide me with any additional documentation of that payment due to a bankruptcy that was discharged almost 10 years ago. This loan was not part of the bankruptcy. 

On Thursday, XX/XX/XXXX, after many requests, I was finally contacted by a supervisor. He told me that the reason the loan showed as charged off is because they transferred the balance to another loan in XXXX. To the best of my knowledge, no new loan documents were signed nor did I authorize a change to initial terms of the loan. 

When I told the supervisor that I was going to be filing this complaint on advice of counsel, he openly laughed at me and said Let me tell you how this is going to go down. and proceeded to explain to me that they would produce documents from the original loan ( which had been previously acknowledge as no longer the active loan ) and that we would still have to pay them back. Im not trying to discourage you, just giving you advice. 

PCN Bank openly stated that they would knowingly and intentionally provide inaccurate documentation to the US Government as a part of this investigation. 
I have spoken to a number of real estate and finance professionals I know personally about this situation and they all have nothing good to say about this company or their business practices. They are known for manipulating customers and situations in order to assess fees and penalties which make it virtually impossible to pay off the loans they make to the average person. 

I realize that your organization receives innumerable complaints on a weekly basis. However, I would like it to be known that there is a loan offer pending the outcome of this investigation which expires on XX/XX/XXXX. 

Thank you very much for your time and consideration.
All 3 credit bureau 's but more so Experian in recent attempts to remove duplicated reporting. A charge off debt means the original creditor no longer owns the debt. It has been sold to a second party for collections. However it is reported as charge off from the original debtor it is not reported zero owed for some accounts. Any and all charge offs means sold so the balance owed needs to state zero owed to them as it is owed to the sold party collector. The bureau has not in a few attempts to correct it through the dispute process within the last few months of 2018. I also tried in an attempt to contact the bureau but have found no contact number to discuss with any employees.
Equifax has been hacked and their site indicates that my information was open on the Equifax computers to the hackers. This happened in XXXX and I just was aware of this BY NEWS REPORTS yesterday, XXXX XXXX. It has been reported that officers/executives at Equifax dumped their stocks when they found out about it in XXXX. Equifax has betrayed a public trust and should not be allowed to function ... put them out of business since they are not acting in good faith. Little people, like me, have had our security compromised by their XXXX Equifax 's ) lack of professional standards. The hackers can hold onto our info for some time before " cashing in '' on small folks like us ... .so now my meager finances are at risk FOREVER. I am a senior living on a pension and can not afford to take a financial hit. There must be a penalty imposed on Equifax for their disregard for our financial safety.
This is my second complaint about PayPal. They originally set a reserve on my account that was for about {$8300.00}. I was notified and found it unfair. However, they refused to make any adjustments. 

Now, without any warning, they 've kept much more than that. Every time I get a new payment through PayPal they increase the reserve. As of now they have nearly {$10000.00} in the account. They say this is decided based on your risk factor, including - credit score, payment amounts, disputes against you. Since the first reserve was set, my credit score has increased, I 've taken a smaller amount in through PayPal to avoid being high risk and I 've had ZERO disputes against me. This is bizarre. 
Not to mention the last number they gave me is {$9.00}, XXXX for my reserve and they currently are holding MORE than that. The same day customer service gives me that number. Really? I highly advice against using PayPal for business - I 'm using multiple other merchants right now and they treat me amazing. PayPal is basically stealing from me every time I take a payment ( Considering they give no warning and change the number as soon as a small payment goes through ).
The companies I took the loan out with told me that they do n't have my loans in there office. At the time when I took them out I had a source of income. I had someone to file fraudulent income taxes in my name that am still working on. I took  XXXX  out at  XXXX   XXXX  for {$410.00},   XXXX   XXXX   for {$410.00}, and  XXXX   XXXX   XXXX  for {$410.00}, and Express Check Advance for {$410.00}. Am willing do what I can to pay on these loans. All these loans where took out in   XXXX  .
I received a notice via mail from debt collectors HRRG to pay a debt of medical service I never had.
They call 5 times a day for a person who does not live here. I 've told them multiple times to stop calling me.
I have asked in writing by mail, email, and fax for the company not to contact me by phone to collect. Even after asking verbally and in writing they continue to call me on my cell phone and place of employment.
This is a complaint from XXXX XXXX against D & A Services for D & A 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, D & A Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
When I rented from XXXX XXXX, they specifically told me not to complete the property condition report. I paid first months rent, last months rent, plus a deposit. I paid every month on time and I gave them notice I was moving per rental agreement. The damages they claim were already there & were supposed to be repaired but Maintenance refused to give me 24 hour notice & continuously violated my privacy by repeatedly entering the premises. I finally reported this unlawful entry to the police when he attempted to enter after XXXX. I have never been sued for these damages & there is no judgment stating I am liable because there is no proof these damages were caused by me.
check into cash is charging me excessive interest on my title loan. When I make my payment which is {$880.00} a month most of the money goes to the interest. Most of my payment should go to the principal. The manager told me also my payment is never going to be any lower.
I purchased a new Volkswagen on XXXX XXXX, 2015 and financed it through VW Credit. I financed for a long term but knew that I would pay ahead. To date I have made XXXX payments and they are not reflected on their web site. First I was told that the site was unable to show balance due and payments but I could request an email from them for this information. When I told them this was unacceptable and that the information should be available at all times they said it would not be available until I had made XXXX on time payments. I financed my last vehicle through a credit union and this information was available at any time at their web site. Withholding this information is just not acceptable.
I had a car loan with XXXX XXXX XXXX, I was hit by a drunk driver XX/XX/XXXX. XXXX XXXX paid my loan off to XXXX XXXX XXXX and my Gap insurance paid the difference between the loan. I have been trying since XX/XX/XXXX to get XXXX XXXX XXXX to update my account as paid and they have refused to. 

I paid off my balance with XXXX XXXX credit card in XX/XX/XXXX, for the remaining amount of XXXX . The accounts total balance was XXXX . PAID IN FULL. As of XX/XX/XXXX they have reported that my account is unpaid and in collections.
I opened an account with 53rd bank and I made a {$100.00} deposit into that account,2 days later they closed the account, they never sent me my money back and they reported my name XXXX saying I still owed them money.But I did not make one single transaction in this account!!!
I wired money from m y    XXXX   XXXX   XXXX   account to my account on  XXXX , a division of Coinbase , Inc .   That was 5 days ago, the money is neither in my bank account or in my account at  Coinbase.  After  XXXX  attempts to reach out to Coinbase/ XXXX  via multiple support channels  (  XXXX ,  XXXX ,    Support Ticket,  Email, Community Forum ) I have gotten only one automated response, no human response to my request for my funds in one form or another. This seems to be a pattern with Coinbase according to many form posts. I would avoid doing business with them in the future. They are in clear violation of their terms of service.
My XXXX XXXX contract ended. I then decided to keep my mi-fi device on a monthly basis. I paid the last bill and then did not use the service and cancelled the service since my XXXX service now had hotspot. I then received a bill for approximately 2 months of service. I called them and they said I owed it. I said no i do not and I checked my statements and I believed I didnt owe the bill. Since the bill was only {$110.00}. I put a disclosure on the back of the check which they cashed on XXXX XXXX 2015. The disclosure was cashing of this check you agree to remove all derogatory remarks from the credit bureaus. I still do not believe I owed this amount however I paid it to get them to stop calling me. <P/>XXXX submitted the check that I sent in with the disclaimer as an ACH. I specifically wrote a check with a disclaimer on it so that it would not be processed as an " electronic transaction '' in order for me to have a copy of the check front and back with the banks documentation. I have asked for a copy of the check from XXXX and they do not have a copy of the check because of the way XXXX processed the check. When I call XXXX for a copy of the check they said the only way I can get a copy is a court order or subpoena. <P/>XXXX is saying they " wrote the account off ''. This is not true either since I paid XXXX directly for the full amount owed. <P/>I can not upload any documents as proof of this since I do not have the cashed check through the bank. I only have an XXXX Id no.
I heard that Equifax may have had an information leak and started doing some research on it today, XX/XX/2017. I know now that over 143 million users of this credit report company had their information stolen ( including names, addresses, birth dates, social security numbers and even driver 's license numbers! ) and that the hacking to get the information began all the way back in XX/XX/2017. After checking with the Equifax newly-setup website ( https : //www.equifaxsecurity2017.com/XXXX ) I have now found out that both my wife and I may be affected in this situation. 

I am flabbergasted that a company that is valued at ~ XXXX XXXX could n't put some amount of money into making sure the information they kept was secured and safe. I am in shock that peoples ' PERMANENT information ( including social security numbers!! ) were leaked into the public internet.
I CONTACTED TRANSUNION CREDIT BUREAU IN REGARDS TO FRAUD ACTIVITY ON MY CREDIT PROFILE. I HAVE CONTACTED THE COMPANIES AND TRANUNION, SUBMITTED A POLICE REPORT AS WELL AS A STATEMENT AND THREE DIFFERENT 609 LETTERS REQUESTING IN WRITTING TO HAVE ACCOUNTS BE VERFIED AS WELL AS A STATEMENT NOT ONLY WAS THERE NO SOLUTION TO THIS MATTER BUT IT HAS TAKEN A COURSE OF MAJORITY OF THE YEAR AND NO RECOURSE HAS BEEN DONE. I CONTACTED THE FRAUD DEPARTMENT AND THEY STATED THAT THEY COULD NOT ACCEPT THE POLICE REPORT I PROVIDED AND THAT I MUST CONTACT THE COMPANY IN WHICH THE CREDIT LINE WAS OPEN. 

I SUBMITTED THESE DOCUMENTS VIA FAX AND HAVE CONFIRMATION NUMBERS IF REQUIRED. 

I HAVE LETTERS DATED FOR FOR FOLLOWING DATES : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX THE POLICE RECORD FILE NUMBER IS XXXX LOCATION WAS XXXX XXXX CA DATE ON REPORT WAS XXXX XXXX XXXX I REQUESTED TO SPEAK TO A FRAUD SUPERVISOR AT XXXX AND WAS TOLD SEVERAL TIMES THEY COULD NOT ACCEPT MY POLICE REPORT. I AM A XXXX VETERAN AND MARRIED TO AN XXXX XXXX SPOUSE. WE CURRENTLY RESIDE ON XXXX XXXX BASE XXXX XXXX. THE SUPERVISOR STATED THE REASON THEY COULD NOT ACCEPT THE REPORT WERE DO THE FORMAT OF THE REPORT ... ETC. WHEN I CONTACTED THE PROVOST MARSHAL OFFICE IN REGARDS TO THIS MATTER AND TRANSUNION WOULD NOT ACCEPT THE POLICE REPORT THE REPRESENTIVE DIDNT HAVE AN EXPLAINATION AND WAS CONFUSED. I HAD ALSO SUBMITTED THE SAME POLICE REPORT TO XXXX  AND TRANSUION IN WHICH THEY TOOK IMMEDIATE ACTION.

NOT ONLY ARE THE FRAUDLENT ACCOUNTS ARE REPORTING NEGATIVE ON MY CREDIT PROFILE BUT TRANSUNION HAS FAILED TO PROPERLY INVESTIGATE THESE ACCOUNTS. I AM VERY DISAPPOINTED IN THIS SERIOUSNESS AND DELIQUENY IN FOLLOWING UP IN AN URGENT MATTER THAT SHOULD HAVE BEEN RESOLVED FIVE MONTHS AGO.
Dear Escalation Supervisor, On or about XXXX XXXX. XXXX I was advised by XXXX XXXX XXXX XXXX all documentation was received to proceed forward with a property modification. Since this point I 've had no updates or communications from the mortgage servicer. Upon calling several times to get a status update with XXXX, XXXX and XXXX no follow up has occurred. On XXXX XXXX. XXXX I had a XXXX  package delivered to our townhouse. It seems to indicate I should call in to get further direction on the next step to the process. The property is indeed occupied. It is important the servicer call me back and give me a update via phone and or E-mail. It seems XXXX XXXX is never available. Please assign a new representative to my account as soon as possible. All communication or correspondence should be mailed to : P.O. XXXX # XXXX XXXX Michigan XXXX! 
Thank you ahead of time.
On XXXX-18 I tried to purchase a same-day cheap mattress for delivery within 24hrs at XXXX XXXX at XXXX XXXX XXXX , XXXX XXXX MO XXXX ( XXXX is the manager ). When I realized that per a phone call initiated by XXXX, XXXX XXXX ( XXXX XXXX XXXX, XXXX OH XXXX ) phone # ( XXXX ) XXXX was forcing me to accept a Credit card ( to be mailed in 10 days ), I told XXXX at XXXX XXXX   ( ext XXXX ) to cancel and he refused.He also refused to give me his last name or employee I.D . 
I never signed any documents or filled out anything authorizing a Credit card of any sort. I never received any authorization Code, allowing Synchrony to access any credit reports. I have a Fraud alert on ALL of my reports. Please penalize XXXX XXXX. At a different store, I bought a mattress on XX/XX/18, about an hour later.
I had a mortgage with XXXX XXXX. With XXXX, I could set an autopay to come out on any day of the month I wanted. My loan was sold to Provident Funding. Provident only allows autopay to come out on one specific day of the month. I also can not schedule my current month 's payment for a specific day in the future. Now I have to remember to make my payments on the day I want them to come out, or I might get charged fees. This is definitely not designed in the consumer 's best interest and is a downgrade for me. I did n't get a say in the sale of my mortgage and now I 'm getting less functionality. Please help!
I been dealing with the promotion with synchrony bank ( XXXX XXXX credit card ) sincei made a purchase on XXXX XXXX 2015 with a promotional period of 36 months with 0 % APR and, they duplicated my purchase so I been calling every single moth in order to fix this problem once for ever, and I believe I a victim of an scam by this institution because I did only one purchase for {$3300.00} on XXXX XXXX 2015 no other ( of {$2400.00} ). 
I m sick and tire speaking with synchrony bank customer service and they did nothing about this problem that is affecting my credit and my minimum payment agreed as the promotion offered. 
thank you for your attention in this matter
In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XX/XX/XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.
On  XX/XX/2017    @   XXXX   I sent {$40.00} to my daughter via Walmart  money gram . When she went to get the money, they would not let her have it, they told her she was not old enough, she is  XXXX . I called the  XXXX  number provided by Walmart to have the name changed, they would not do this.The man then cancelled the transaction and told me it would be  XXXX  business days before money was refunded to my card. The total of {$40.00} plus {$5.00} fee. This is outrageous, no where on site does it specify age. He then said I could not use the money gram site again. I need that money now for my child. The reference # is  XXXX . Any help you can give me would be greatly appreciated.
Company closed the account with a balance of {$1700.00} and now send me some collections letters and harassment calls daily. I have to block the number from my phone getting so many calls daily. Account was closed X/XX/17 and never get any issues until now. I want the harassment to stop and the letters immediately.
Placed account on crefit report for XXXX. I have contacted att to verify debt. I am a current customer and have XXXX debt with the company. The collection was placed on my XXXX and XXXX report. The company calls about XXXX times a day from multiple numbers.
On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,  2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX /   2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.