WillisBack/dataset-financial-user-claim huggingface dataset:
A recent XXXX initiative was launched XX/XX/XXXX regarding how credit agencies report and/or verify information placed on credit reports. In my case a XXXX XXXX XXXX currently on my TransUnion credit report. After hearing about these changes i called TransUnion on XX/XX/XXXX about how this would impact me directly. The lady i spoke with outlined the recent changes to include " a new standard of minimum requirements '' for public records, such as tax liens or bankruptcies. She stated if a reported lien did not include " ( 1 ) Name, ( 2 ) address, and ( 3 ) full social security number and/or date of birth '' then it would be removed from my credit report. I let her know that i had already in fact received a copy of the official XXXX from ***XXXX XXXX XXXX XXXX , XXXX XXXX , Florida*** and was able to confirm it did not have the SSN or DOB present. The XXXX XXXX also confirmed the last time anyone requested confirmation of the XXXX was XX/XX/XXXX ( the new XXXX also states regular 90 day check-ups are required ). With confirmation from TransUnion and the Court i submitted my dispute. 2 Days later TransUnion stated it was verified and would remain, even though they directly confirmed it would be removed. I do n't understand why they provided me all the information on the new standards, i confirm my information does NOT meet the standard, submit the request satisfying all the requirements and then they say " its verified '' and will remain. ( I had called XXXX the same day I called TransUnion and after faxing the official copy they also removed the XXXX from that report for this  very same XXXX requirement ). Can someone please contact TransUnion to have my report corrected and follow the guidelines they stated they were using? I need help with this ... Thank You ( i 've also attached an official copy of the lien document from the circuit court supporting my complaint and dispute. I also attached a copy of my SSN and FL DL verifying my identity -- please do n't publish that document )
Company alleged that I owed $ XXXX+ on a payday loan, despite the fact I have never received a payday loan. 
They were extremely aggressive and hostile on the phone and threatened to take legal action. 
They never disclosed the " mini-miranda '' or that this call was to collect a debt. 
They also called daily, sometimes multiple times, leaving messages each time they called. 
When I asked to receive debt verification, they claimed that they had already mailed documents previously, but I never received any such documents. They refused to send me any documentation or verification and only got more hostile on the phone. 
Most distressing was that they had personal information including name, address, bank information, and social security number. 
This was most definitely a debt collection scam.
i keep getting a letter stating i owe over XXXX.XXXX to XXXX..I called US XXXX and they sent me a verified email stating i do not owe any loans ... But i keep getting letters in the mail ... The US XXXX ppl told me it sounds like phising
This company is a joke. It does not show me my balance amount as of each transaction. Every other company does this, XXXX XXXX and XXXX XXXX XXXX except this. For example, I have {$1000.00} balance, spend {$3.00}, the balance should display as {$1000.00}, and so forth on each transaction line. Show the balance amount on each transaction line. Have a manager call me back and fix the problem. 
This is an easy problem, fix it, and stop acting like a bunch of boring guys in suits, and do your job. Please have high end technology director call me up. I do XXXX XXXX for a living.
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CREDIT MANAGEMENT, XXXX, XXXX  AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
I was charge {$670.00} for an appraisal fee to obtain a mortgage refinance from Bank of America. After 1 day, I cancelled the loan request and requested a refund. After 8 days, the loan was finally cancelled, but only a total of {$460.00} was refunded. Bank of America retained {$210.00} of unearned funds. No appraisal was performed or scheduled.
Equifax is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with XXXX XXXX. 

Equifax said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. 

My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, Equifax is breaking the law by not blocking this information.
I had a collection account on my credit report with XXXX in the amount of {$410.00} with account number XXXX .... They originally had XXXX XXXX XXXX attempt to collect this debt and I was able to sue with the help of XXXX XXXX, XXXX and I won a settlement of {$1000.00} as a result. I then paid the account and settled for {$230.00} on XXXX XXXX and attached the proof. I filed a complaint with the FCC on XXXX XXXX ( CASE XXXX ). They just gave me a generic response and I attached it for you to review. I called XXXX XXXX at XXXX XXXX XXXX XXXX and it kept going to voicemail. I then called XXXX XXXX XXXX XXXX and spoke to a young woman who refused to give her name and at first could not locate my file with my social security number. Then she found my file with me giving my name and said I owed {$90.00}. I told her I had already paid the account on XXXX XXXX and she said there is no record of that. Then she put me on hold and came back and said, oh no wait, it shows you made a payment on XXXX XXXX and it will be updated on your credit report as deleted. I confirmed that it would be deleted and she said no, it will updated as paid. I told her I paid this account almost 3 months ago and why is it taking so long to report as paid. She said the payment just went through on XXXX XXXX but it was drafted from my checking account on XXXX XXXX. I am very upset that a company like XXXX can take advantage of consumers like this and damage their credit reports for mistakes they are making.
I was scammed by Core Advisory Group called them back in XX/XX/XXXX when I received their mail advertisement stating I can get help with stopping my foreclosure sale which was scheduled for XX/XX/XXXX. The advertisement is all bunch of lies, telling me I can get a lower monthly payment, interest rates at 2 % and I was a eligible to be a plaintiff to file a lawsuit against my lender and plus their XXXX program can stop any foreclosure process. They are full of XXXX and nothing but thieves that did nothing for me but lie and stole my money. I signed up with this company on XX/XX/XXXX. They sent out a notary person to have me sign their documents and collect my money. After I paid this company a total of {$3600.00}, my house was immediately sold and they did not do what they said they would do to save my house and I want my money back. This is a complete scam. Around XX/XX/XXXX, I tried to ask for my refund but they make me go through their reconciliation process and fill out more paperwork just for my money back and they did n't even responded back with a refund offer until XX/XX/XXXX almost 5 months waiting for an answer just for them to tell me they are only giving me back {$720.00}. These crooks should be locked away for doing this to people. They did not do what they said they would do and that 's to stop my auction from happening to my house and get me a loan modification approval. This company also tried to get me to file for bankruptcy which I do not understand why would I pay them {$3600.00} for nothing when I could had used that money to hire a real lawyer? I feel they do not deserve a penny and I want them to return the rest of the money that I paid them {$2800.00} plus notary fees of {$120.00} so the total {$3000.00}.
This borrower was offered and accepted a trial modification with payments of {$530.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2016. Borrower made her trial payments and has continued to pay but has not yet received her permanent modification documents. XX/XX/XXXX she was told by a representative that the documents would arrive in 7-10 business days. She has not received them, but has continued to pay.
I already did a recent dispute on the non-payment of a fraudulent charge placed on my report. The FCRA commented upon the completion of the dispute in which the charges are still in effect on the account. The original creditor, XXXX XXXX, claims I owe {$300.00} placed by the XXXX XXXX XXXX for a trash fee that was accurate info due to the fact there was no trash left in the apartment and the was not the stated charge reason. The original charge stated by the creditor was said to be a {$150.00} for a absent written notice of ending the lease where the original creditor threatened to place that amount on my credit report. I've sent supporting documents to XXXX   already showing the fraudulent charge and would like further investigation on the charge filed on XX/XX/2017 from the XXXX XXXX XXXX account that was intentionally placed there to damage my credit as said so. A good result would be if I could please just get this removed off my report Thank you for your time.
This is an extension of case number XXXX filed on XXXX/XXXX/2016, which states : " I opened a Citigold checking account under promotional terms that would award me XXXX Citi ThankYou points after meeting certain requirements. I had met the requirements in XXXX 2016 and waited the mandatory 90 days before miles would be posted. I also had an agent confirm on live chat on XXXX/XXXX/2016 that my account was indeed enrolled in the promotion and that I had fulfilled the requirements. But yet Citibank would not and has not honored the promotion. '' The company 's response on XXXX/XXXX/2016 was : " XXXX XXXX, please accept my sincere apology for the inconvenience you described. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you had cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new clients. In order to conduct our promotions in a manner consistent with sound business, we may customize offers by direct mail campaign initiatives to select individuals ; in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you by our representative on XXXX XXXX, 2016. Therefore, we are honoring your request and the XXXX ThankYou points will be applied to your ThankYou account within 30 days. 

Thank you for allowing us the opportunity to respond to your concerns. '' I have since responded again on XXXX/XXXX/2016 with : " A day ( XXXX XXXX ) after receiving your response, I received another letter ( attached ) in my Citi online banking account. It stated " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' While that is partially in-line with the CFPB letter dated XXXX XXXX, the latter XXXX XXXX letter did not indicate the promotion would be honored nonetheless as the CFPB response letter did. And while it has yet been 30 days, I have not received the points thus far and I am unsure at this point of the direction of resolution. Please re-assure that the XXXX ThankYou points will be applied to my ThankYou account as soon as possible. Thank you. '' I did not receive a response from that latest message. Now that 30 days has passed from the initial promise, I have yet to receive the promised XXXX points.
Transunion without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for Transunion to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

That account needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
I opened my Credit Card with Amex XX/XX/XXXX ( Amex Everyday Card ) and qualified for a 0 % APR offer until XX/XX/XXXX on transactions posted by XX/XX/XXXX. I realize that the promotion period ended, which was my mistake-but I still wanted to do a balance transfer as the rate to my Amex Card was better than my current credit card. I called once and the rep said I needed to call the bank that I wanted to move the balance from ... confused with this response I called back. This new customer service rep was also unhelpful and stated that I couldn't do a balance transfer, I asked for a supervisor and the Amex Representative stated that one isn't available. I said I would hold and he said they are in a meeting and to call back. The Amex rep was obviously trying to get me off the phone like the last rep. I told him I would hold for a supervisor, after 45 minutes I got the manager of the Balance Transfer Department XXXX ( Employee # XXXX Call time was approx XXXX Pacific on XX/XX/XXXX ) and he shared that " many people find the Balance Transfer verbiage confusing '' and proceeded to tell me that he could not complete a balance transfer if it isn't in the first 60 days. I requested mulitple times to have my call escalated and he said his manager " didn't take calls ''. Finally, he said he would have another manager call me back.

Bottomline : The Cardmember agreement I received was misleading and I believe falls under the UDAAP ( Unfair, Deceptive Acts & Practices ). There is an interest rate that is listed in my attached cardmember agreement. No where in my cardmember agreement does it say " no balance trasfers after 60 days ''.
Rushmore Loan Management added unnecessary insurance to my mortgage, which led to a shortage in escrow, resulting in an increased mortgage payment. The company was made aware ( proof was provided ) that my home was from the requirement for flood insurance due to flood zone : AH. Rushmore failed to rectify the matter on a timely basis. They have failed to apply my payment appropriately, and they then started foreclosure proceedings and refused any of my payments as per their letter dated XXXX XXXX, 2015. 

They have ruined my good credit history under the affordable housing programs, for which I am to receive a yearly credit of {$1000.00} for making timely payments. They have also ruined my credit history, and have started foreclosure proceedings. 
My attempts to resolve this issue by contacting the company has failed miserably! Instead, I continue to receive dunning letters and phone calls. 
I 'm asking that Rushmore reinstate my payments under the agreed terms, allow me to make my payments, remove negative reports from my credit history from XXXX 2015 to XXXX 2015, and reinstate my good payment record so that I may receive the yearly incentive of $ XXXX you for you assistance in this matter.
Received a phone call from Argon Credit that I was three payments behind on my personal loan I have with them. I ask how is that possible when the contract I signed I had to accept ACH payment from my account on the 11th of every month. Things were going find for about 6 months, then I stop getting emails like I was receiving when they would notify me that a scheduled payment was coming out. I contacted them and they said they were stop using the 3rd party they were using. Ever since then my account has had issues. They said I was behind on my XXXX payment and I told them no I was not and that they had took two payments from me and had to issue me a refund for that month. The person on the phone look back at the communication I had to send them to prove that before they would update my account. It had happened again this month XXXX, and now I have emailed and called them for a week and now they are not answering my emails as all, not answering the phone and I am at my wits end on what to do about this. They are putting my bank account in the negative and does not care. They will tell me to send them proof when they are doing it but ca n't see what is happening until the customer sends them back their bank acocunt.
I pulled my credit XX/XX/XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to Equifax and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely, XXXX XXXX
I submitted for my annual recertifiction well before it was due to Nelnet. I have a third party that checks on the status of my account and they indicated that the application was received and currently in process. It was n't until the application was almost expired that I received a notice requesting additional income documentation. When I originally submitted my income driven repayment plan recertification I had not filed my XXXX return as I had filed an extension so I submitted the application with my XXXX return as the application indicates. Nelnet took so long to process my application that I fell out my income driven payment and into the standard payment although it was submitted 2 months in advance on XX/XX/XXXX. I did not file my tax returns for XXXX until XX/XX/XXXX. No Nelnet is  requesting that I submit a whole new application because it is too old although it is their fault that it has taken so long. I submitted my XXXX return as soon as I had it and they are making me wait an additional month to process and forcing me to submit another application since I am no longer in my program because of THEIR slow processing. If they would have told me initially to send them a copy of my extension I would have, but the DID N'T tell me ANYTHING until it was too late. They have just been wasting my time and now are putting me in a financial burden for THEIR error. Instead of trying to process my application quickly they have been stalling.
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I had a mortgage on a non-owner occupied property which I excluded from the plan as I was trying to sell the property. After months I obtained a buyer and was excited to close on the sale of the home. I had to sell for less than what I owed, but I did not pursue a short sale. My title company had obtained a payoff XX/XX/XXXX where there was a {$400.00} Review of Plan/Notice of Appearance fee for the bankruptcy. The closing was delayed and Ocwen Loan Servicing was very uncooperative in sending a payoff statement to my title company so I could close on the sale nearly causing me to lose my buyer. When the payoff was finally received, they charged me {$400.00} for Review of Plan/Notice of Appearance and added {$450.00} Bankruptcy Fee that was not present on the previous payoff. On top of that, they charged me an additional 23 days of per diem interest on my payoff in Illinois where it is not permitted to require FHA payoffs to be good through the first day of the following month. These fees were not disclosed to me, not provided for in my note or security instrument that I could see. This caused a financial hardship in an already distressing situation when I, as a debtor, could have just surrendered the home in bankruptcy causing the lender significantly more money.
I paid off a charge-off checking account with XXXX bank for XXXX on XX/XX/2015 and it does not reflect on my chexsystems. I tried to open another account and I was unable to since it still shows as unpaid.
I have asked Fox Collection Center to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
On XX/XX/XXXX I enrolled in paperless and automatic billing for my XXXX XXXX lease through XXXX ( their own portal, not my bank 's ). I have email confirmation that I 've done so. Fast forward to XX/XX/XXXX XXXX - my car is being towed out of my driveway by a repo company. I received no emails, no phone calls, nothing in the mail, not even a message on nissanfinance.com 's  message portal. Apparently they NEVER billed my bank for the monthly payments that I set up and never contacted me to tell me that I was delinquent. Normally when a bill is late you receive some correspondence from the company because they want their money, but apparently Nissan would rather steal your car and make you pay exorbitant repo fees. I tried calling Nissan and the representative refused to A ) admit that there could 've been an error in their system, B ) transfer me to a supervisor, C ) work with me on paying the repo fees that were unjust. I was n't delinquent on my account - always paid on time - and have the money in my account to pay in full. When I was paying through my bank my payments always arrived, but I was encouraged to enroll in their paperless billing, then all XXXX broke loose. Again, I have email confirmation that I enrolled in their paperless billing on their website, but it was never actualized. Horrible customer service.