WillisBack/dataset-financial-user-claim huggingface dataset:
Past Disputes XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX XX/XX/XXXX Open {$120.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. 

Dispute Reason Accuracy : Fraudulent charges were made on my account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to TransUnion at the address below, along with any supporting documentation. You may also request that TransUnion add an explanatory statement of XXXX words or less to your credit report. 

If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion -- Dispute XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Original Creditor Open Date Status Balance XXXX XXXX XXXX XX/XX/XXXX Open {$120.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. 

Dispute Reason Ownership : I have no knowledge of this account. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. 

. When contacting TransUnion, provide your current file number : XXXX. 

XX/XX/XXXX Completed Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Completion Date XXXX Account Name Account Type Open Date Status Balance XXXX Other XX/XX/XXXX Closed {$2300.00} Item Results Result : Verified, No Change - TransUnion verified your TransUnion credit report information. No changes have been made. 

Dispute Reason Ownership : This account was fraudulently opened by someone who stole my identity. 
Dispute Results From TransUnion TransUnion received your request on XX/XX/XXXX and completed their investigation on XXXX XXXX, XXXX. Please review the results carefully. 
e current file number : XXXX. 

i have disputed the accounts listed with transunion and XXXX over a year! I had them investigated as well. The credit companies keep denying me the removal or refuse to update my credit report. As well as remove fraudulently placed Credit Inquiries
I filed a complaint in the pass that capital One said I am owing themcertain amount which I have fully paid off and yet Capital One is stillcalling me that I owe them. I am still getting calls from one XXXXwho said that I should call her to discuss the amount I am allegedlyowing capital One. I am complaining that claim and I am stillcomplaining about it.
Our original mortgage was with XXXX and sold to Bayview Loan Servicing. We had an auto draft set for XXXX and Bayview took it out on the XXXX resulting in returned checks and NSF fees. Contacted an agent on XXXX and told to submit in writing the complaint and the bank statement showing NSF fees - send a fax to XXXX. I did this and no response to email or verbally so on XXXX/XXXX/15 called again and spoke with another agent who assured me the NSF fees had been applied to my account on XXXX/XXXX/15 and it would take 5 days to post. As of XXXX/XXXX/15 nothing has been refunded and I am out over {$500.00} due to Bayview 's mistake. Calling again today but this is horrible customer service and I have yet to be acknowledged by a Manager, even after several messages left on voice mail
I have a total of {$100000.00} in student loan debt - {$82000.00} of which are from private loans. Every month I'm responsible for paying {$1300.00}, which I struggle immensely to afford. My largest burden is to Sallie Mae - {$970.00} each month. I've contacted them several times over the years trying to find amenable options to help to deal with this debt. I've used up all my Forbearance options. The last time I spoke with them reaching out for help and asking for lower payment options ( I believe XX/XX/2016 ), they told me it was not possible and that either my cosigner needs to pay up or that I would have to just default and then see what happens then. My cosigner is unable to help out with the loans. Even with a cosigner, I don't qualify for consolidation or refinancing because my debt to income ratio is too great. I'm swimming in debt, and barely have enough to cover my other expenses like housing, medical bills, food, etc. I need.
In XX/XX/2013 I had to file a Chapter XXXX Bankruptcy. My Case lasted for 42 months. At that time my Mortgage was with XXXX XXXX Mortgage. All during my Case I kept making my monthly mortgage payments right on time. Then shortly after I completed my Chapter XXXX and received my Discharge which fulfilled my Bankruptcy. All of a sudden XXXX XXXX was saying that I was behind on my Mortgage?? That whole 42 month period I never heard anything from them until after my Bankruptcy. My Attorney acknowledged that if I was behind in my Mortgage during my Case that XXXX XXXX should have asked the Bankruptcy Court to include any missing payments but they never did. Back then I was asking XXXX the exact month and year that they claim I missed a payment. They never responded to me. They eventually sold my Mortgage to SLS ( Specialized Loan Servicing ). SLS has been sending me late notices and harrassing phone calls ever since. I have also asked SLS to reveal to me what month and year I supposedly missed a Mortgage payment. They have never provided that information to me either. I need this resolved!!! 

LOAN # XXXX
A medical bill was incorrectly submitted by a medical provider. In return, the medical insurance company twice processed the medical bill incorrectly. This resulted in the medical bill not being paid. I contacted the medical provider and the insurance company from XX/XX/XXXX to XX/XX/XXXX regarding this medical bill. On XX/XX/XXXX I was told by the Medical company that they notified the credit bureau to have the account removed. I talked with the insurance company who agreed to process the claim, however, indicated that it would take another 3 weeks before being resolved. On XX/XX/XXXX, the debt still had not been removed from my credit report. I contacted Transunion numerous times. On XX/XX/XXXX I disputed the debt verbally. Because the representative could not understand or refused to understand English, I attempted to dispute the debt online. The website was not functioning properly and I could not dispute the debt. I tried to fax proof that the insurance paid the debt and to send a letter from the creditor showing that the debt was to be removed. I found out later that Transunion fax machines had issues. I contacted the credit agency and later found out that they did not notify Transunion until XX/XX/XXXX as opposed to XX/XX/XXXX. Finally, I was able to fax successfully to TransUnion. As of XX/XX/XXXX,  the debt remains on my credit report. My credit line from XXXX was reduced as a result of this debt.
Sent notice offering option to pay online. Input all information but site would not accept payment. Tried 3 times with different credit cards but still would not work. All info in website states enter " Credit Card '' type of " Credit Card ''. When I finally called and got a live person I was told that they only accept debit cards or checks for this client. I have wasted hours going in circles to find out that the company XXXX XXXX , XXXX in XXXX XXXX, MN XXXX intentionally wastes peoples time by not giving accurate information. The DO NOT state anywhere that you can only use a debit card or check to pay them.
I have a Mortgage with Citi Mortgage Financial. As of XX/XX/XXXX, I no longer receive Statements from them. I called and was directed to the Bankruptcy Division of Citi. My wife had filed Bankruptcy in XX/XX/XXXX or XX/XX/XXXX, we were and we still separated. Though not Legally. I was informed that due the Dodd-Franck Act, i no longer would receive statement from them regarding my Mortgage Payments. from my understanding My wife bankruptcy has been Discharged. I have never filed Bankruptcy. I was told by Citi, due to the Dodd-Franck Act, they no longer are allowed to send me Statements. I was informed My home was included in the Bankruptcy and it was ( Affirmed In the Bankruptcy ). They also Stated that if they send me Monthly Statements they could be sued by the Government. I was told that because of the Bankruptcy i could walk away from my Home with no Actions against me from Citi. My question, if this Bankruptcy has been Discharged why are they not sending me statements. This Happened with no advance notice from them. They knew this was taking place before hand. I want My Statements sent to me. What Legal rights do i ( THE CONSUMER ) have? I have a right, regardless of what took Place of almost ( 8 ) years ago. I feel that they are not being Forthcoming with what my true Rights are, besides Being able to walk away from my home, when I never filed bankruptcy and was never aware of the Actions that took place. They said I could Re Finance My home to get My wife name off the Mortgage. Michigan as I am aware does not have Legal separation and we are not Divorced. My conversation with there representatives, gave me the impression they were not aware of these Stated conditions. Do I have a Legal right to take Citi to court or make tham produce Written Proof why they took this Action. It is not Fair to me. I have aright to my Monthly Statements Regardless of this Government Act. It does not Protect The Consumer at all if the Mortgage Service-rs can do this to their Customers with out warning and no clear explanation. It is not right!!!!
It is my opinion and firm belief that Discover Card and subsequently XXXX XXXX committed fraud and failed to honor its consumer protection policy on an item never received by the consumer causing the consumer anxiety, shock, emotional distress, and monetary loss. Employees failed to honor consumer protection policies and attempted to deceive the consumer even going as far as sneaking charge-backs onto the consumers account without notifying the consumer. On several occasions Discover posted We sent you a letter via mail or secure message at Discover.com about this investigation which includes a copy of documentation we reviewed. under disputes however never sent a letter or secure message including documentation they reviewed. Only the consumers due diligence in reviewing the disputes page revealed the deception. The disputes page is NOT the Discover secure message. Employees attempted to deceive the consumer that they had received correspondence from XXXX that the charge was valid however no new documentation had been received and a prior review of initial documentation received resulted in a ruling by Discover that it was an invalid response and the temporary credit was reinstated to my account. Employees attempted to browbeat the consumer when they removed the temporary credit claiming that XXXX had my name and credit card and that they therefore could not dispute the charge despite the fact that there was no new documentation from XXXX and that XXXX had ruled in my favor. Employees fraudulently replaced a closed investigation found in favor of the consumer with a second review stating the charge was valid without notifying the consumer. Employees attempted to deceive the consumer that the temporary credit had to be removed to balance the account despite the fact that Discover had applied a courtesy credit and the matter had apparently been resolved. Employees refused to allow the consumer to escalate his complaint to speak with a supervisor claiming the supervisors were not available and in one instance claiming that they sent the supervisor an email and that the consumer would hear back in 72 hours even though a supervisor never called back on the stated complaint. Employees failed to acknowledge that the consumer had provided documentation that XXXX had ruled in favor of the consumer and had allowed the chargeback. Despite a call to XXXX XXXX XXXX on XXXX-18 and discussion with XXXX XXXX who committed to investigating my complaint and responding in two business days, Mr. XXXX only called back 11 days ( accounting for XX/XX/XXXX holiday ) later on XXXX-18 and had NOT resolved the complaint. Mr. XXXX had introduced himself as an associate however a search on XXXX revealed that Mr. XXXX was a coach/supervisor. Discover refused to connect me with Independent Director of Internal Audit, XXXX XXXX XXXX. As promised I am filling a complaint with the CFPD.
Equifax was hacked and inappropriately withheld the knowledge of this from the public for an unacceptable amount of time. The executives reportedly made stock changes prior to the release of info and now the CEO has exited and likely with a golden parachute that allows him to not lose any money. 

I have no choice but to allow this agency to have my most protected information. It was their duty to ensure it 's safety. Now I can get a free credit freeze from them but need to pay every time I want to release it if I am utilizing credit. I 'm a young adult who plans to utilize credit and should be able to without a {$10.00} fee let  alone any fee to release this " free '' freeze. The current model means they have actually generated business for their company. Sickening. More upsetting is that my credit is n't even the only area that may be compromised now. People may have my identity to make fraudulent insurance claims, etc. Where does it stop??? XXXX has a great interview about the scope of this issue and it should concern anyone who has the ability to hold this company accountable. Those in charge have a responsibility to the victims of this data breach and to change the industry going forward. 

This company has to be held accountable.
As a XXXX account holder at US Bank, I would like to file a complaint with/against US Bank. US Bank cleared a check where the " pay to the order of '' was blank ; the written dollar amount was blank ; the signature line contained a line with bumps XXXX no representation of the account signature card ) and no endorsement on the back of the check. The date and numerical dollar amount were the only items filled out ( redacted copy of check attached XXXX Account holder checked bank statement utilizing US Bank mobile app and realized that balance on account was suspicious. The US Bank website revealed that an out of sequence check had been presented. Further review of the checkbook identified that the check in question and its duplicate had XXXX been pulled from the check book 6 checks beyond the last written check. No other duplicates had been removed. The US Bank fraud department was immediately contacted, where a hold was placed upon the account. A fraudulent activity customer statement was started over the phone. The representative told account holder to : visit a branch within the next few days ( this phone interaction occurred on a weekend ) to complete/sign the fraudulent activity customer statement ; to contact the security department at work XXXX where account holder believes the check had been stolen from a zippered bag within an employee break room ) ; to file a statement with the police station nearest to work ; and, to have copies of all said documents sent to the US Bank XXXX Department. Approximately XXXX weeks after all paperwork had been submitted, account holder received a letter XXXX copy attached ) denying fraud/reimbursement due to " Customer Negligence '' for not providing adequate security for the account number. 
Account holder visited the US Bank XXXX XXXX and spoke with a manager in an attempt to determine how the check was presented to US Bank for payment in order to update the police report and allow the police to continue any investigation. This manager reached out to one of his fellow associates in the fraud department to request presenting bank information for the check in question. Account holder was informed that the requested information should be received via a letter to her home in XXXX weeks. The branch manager also indicated that due to all of the electronic methods available for presenting a check that when US Bank is presented with a check it has to be paid, without concern for the integrity/completeness of the check. After XXXX weeks, account holder contacted this manager to follow up because no information had been received. This manager called associate back and was informed that the fraud department was unable ( or unwilling ) to provide account holder with this information.
when I signed up for the loan in XXXX/XXXX/XXXX I agreed to auto pay. Earlier this year I experienced financial hardship from losing my job. I requested that auto pay be cancelled, the lender refused to do so and took and unauthorized payment from my account in XXXX. I called and they then cancelled it after it over drafted my account by over {$400.00} I had to pay those over draft fees. 

on XXXX/XXXX/XXXX they took another unauthorized payment from my account for XXXX I requested it be refunded they refused and told me to send a cease and desist letter, I requested to speak to a manager the person I spoke with refused to let me speak to someone else and asked me to call back at a later time and hung up on me. 

I had to call my bank and block them and they 're closing that account I have to wait 10 days for a new card and because the transaction is still pending I have to wait for it post before I can get a refund which will take a total of 12 days, therefore I am out of the money for nearly two weeks. The lender refuses to refund the payment. 

when I originated the loan I was told it would help build my credit after I go the loan Special Financing Company told me they will not report to the credit bureaus I was lied to, I have received multiple calls from them in some cases back to back my calls records can prove that. I have lost several hundreds of dollars dealing with this company. 

in the year and a half I have had this loan I 've never once received a statement, if you request a copy of my call records with them I have made multiple requests which they have not honored
Ability Recovery - a collection agency for XXXX University has been reporting a false debt to my credit report. I applied to go to that university and filled out all the documents per their instructions. They made it seem like I was being enrolled, but then told me they could n't accept my high school transcripts because the state of Indiana sends them electronically and they can only accept official hard copies of the transcripts from the state. After explaining this to them and even conferencing someone from the Indiana Dept of Education on the phone with them, they still said they could not accept my transcripts. They waited until I participated in an online class setting to tell me this. I 'm guessing this was to try to trap me into this debt by saying I participated. That was shady and should be illegal if it 's not already. <P/>Now, I 'm stuck with a debt that I have no idea is legal to be there. I never attended their university. They collected my government financial aid, but never accepted me or fully enrolled me. <P/>This is damaging my credit report and I will not pay a debt to attend a school I never attended - by their own admission when they said my transcripts were denied. I 've tried to dispute this through all of the credit bureaus, but to no avail. I have spent time and money for shipping costs to these credit bureaus and they are n't able to help me. The blemish on my credit is preventing me from obtaining credit from other places ; including getting a mortgage. <P/>I would urge you to request correspondence from XXXX regarding our conversations. They have them in their emails. They explained to me on multiple occasions that I was not fully enrolled because of my transcripts. <P/>The amount they 're trying to collect is {$2400.00} and I will not pay one penny to them. I 've been told this wo n't be removed from my credit report until 2023 and that is unacceptable. I do n't understand how a university can fraudulently collect debt this way and they already got federal financial aid in my name, as well. <P/>I need help in this matter. XXXX has been underhanded, greedy, and dishonest. Please help. <P/>I 'm enclosing an email stating they received an unofficial transcript and them requesting another. This is after I had to pay for the state to send the " unofficial '' ones. You can see clearly in the email that they REQUIRE an official hard copy, but per the state of Indiana Dept of Education, they do n't provide hard copies. I was never fully enrolled according to what they ( XXXX ) say that they REQUIRE hard copies of a document that I never provided. How can they collect on an account that never truly existed? <P/>Thank you
There is a dental bill on my credit report and my children and myself have never been there. It was my husband 's daughter, my step daughter. I never signed agreeing I would be responsible for this bill.