WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for XXXX. Had my background check Done by your company. And the incorrect information seem to not have Uploaded on your side .I was just wondering why when at the same time I had applied for XXXX, And was accepted .The company checkr, I believe did not get an updated version of my background check.
This is a folIow up complaint to # XXXX-XXXX  I still have NOT received my Transunion credit report & I cant get a live person to discuss anything with me because they cant verify who I am. 

Transunion has been aware of this issue with this same woman since XX/XX/XXXX and when she was XXXX of it in 2XX/XX/XXXX I sent the court paperwork to them for my file and THEY STILL CONTINUE to report inaccurate/fraudulent information on my credit history!! 

Ive been waiting 9 years for Transunion to fix my account and I find it COMPLETELY UNACCEPTABLE that not only arent they removing this information IMMEDIATELY given their knowledge of this goes back to XX/XX/XXXX, I CANT EVEN GET MY CREDIT REPORT, much less get into my file online. 

Ive waited long enough. I cant fix or dispute any accounts if I cant access the results or my credit file online or obtain my report. They dont get 30-60 days because they've already had 9 years! THIS. IS. INSANE.
In XX/XX/XXXX I was a victim of a scam that left my checking account negative {$4500.00}. I called Chase about setting up payments to pay of the account but was told I had to wait until they closed the account to make payment arrangements. So in the meantime I occasionally transfered fund from my other checking account to pay off the the negative balance. In XX/XX/XXXX I looked on my account and noticed that they deducted my whole balance of XXXX under an item of CHASE ACCT RECOVERY. So I called to see if I could set up payment arrangement like I originally requested to do. And agreed to pay {$100.00} every two weeks starting XX/XX/XXXX. They told me they could only make arrangement for 90 days and then I had to call back and set up new arrangements. I was told to call on XX/XX/XXXX to set up new payments. Which I did and I recalled being told by the gentlemen I spoke to that no payment was pending for XX/XX/XXXX which there was so I ended up making double payments which I could not afford. Especially since I was buying hurricane supplies for Irma at the time and losing hours at work. But I left it alone because atleast the account was being paid off. That 90 day period went by and I called in XX/XX/XXXX to start a new payment arrangement on XX/XX/XXXX. I was unsure of the end date of this payment arrangement which apparently was XX/XX/XXXX and neglected to call back to set up new arrangements I thought the last payment was XX/XX/XXXX. On XX/XX/XXXX I looked at my account and notice that they once again deducted my whole balance of XXXX on XX/XX/XXXX. Which now leaves me unable to pay my car payment and I'll be late on my rent which will create a whole snowball effect of late fees and leave me unable to pay the full balance of some bills. I called seeing if they could they reverse the transaction if I set up a payment arrangement with I had been doing faithfully for the last 9 months. It had only been a little over a week since the last payment was made and it was never communicated to me that the new payment arrangement had to be made immediately or they would clear out my other account. Not to mention this money was stolen from me so I'm paying back money that I've never even had in the first place. The only thing they could do is for me is refund me {$200.00} but I would have to pay the remainding outstanding balance in 6 month which is something I can not afford. Or they said they could settle the account but the balance had to be paid 60 days. Once again something I can not afford. So as of right now my account has a XXXX balance I and I don't know how I'll pay my bills. I just feel like there wasnt enough of a grace period or any notice that adverse action would be made. Also I have every intention of paying the money back and never gave the impression that I didn't so I don't know why I'm being treated as though they are struggling to get paid back.
Due to a family hardship, I am working with XXXX XXXX XXXX to eliminate my credit card and signature loan debit. XXXX of my creditors Springleaf Financial continues to call me at work and at home even after they have received the cease communication notice and I have also told them not to call me at work because I 'm not allow to have personal phone calls. At XXXX point the XXXX XXXX XXXX XXXX of Springleaf ( XXXX ) transferred out of my work voice mail and got my Manager to transfer the call to me.The message the XXXX XXXX XXXX XXXX XXXX left on XXXX/XXXX/16 on my cell and on XXXX/XXXX/16 on my work voice mail said that he turned down XXXX settlement offer and would not work with them. He wanted me to make XXXX payment or he was sending the account for wage garnishment.
On XXXX XXXX XXXX I found out that the above company issued writ of execution on behave of my name for bank garnishment. This writ was issued on XXXX XXXX, XXXX in XXXX Supreme Court in XXXX XXXX XXXX. I was never served a copy of this writ or any other docket entries as of the case was initially filed with the court. I live out of XXXX state for 8 years. I left on XXXX XXXX, XXXX and moved in XXXX. After 3,5 years I moved to XXXX, currently I live in XXXX for 3 years. I was not aware of judgement entered against me. I was never contacted by the collection agency above. On XXXX XXXX, XXXX I contacted the agency to find out when was the docket filed the person I talked to refused to provide me with any information about the court case. He advised me that I can find the case record online without giving any further information. After I insisted at least to be provided with the county courthouse, the person let me know the name of the above court. Moreover, I contacted the legal department of XXXX XXXX XXXX ( the writ was issue to withdraw all my bank funds in that Bank ), they provided me with the docket number so I can research the issue. Currently, I will be filing motion to vacate judgement due to inappropriate service of defendant ( which never happened in any state I resided so far or the state I live currently ). Thank you in advance for taking the time to investigate that issue.
eqifax optain information from XXXX of tax lien, i ask for a removal of that account, account is satify with o balance they refused to removed count do not report to credit burea
According to XXXX XXXX XXXX, this company Nar Inc is not licensed to collect debt in Illinois. 

I never ever done business with this organization. Ive requested validation from the company and credit bureau with NO results. 

Please Help, XXXX XXXX
I received a wage garnishment for   XXXX   XXXX     XXXX   using my SS # and my address. I have no idea who this person is. I contacted the collection agency and they could n't give me any details, other than I need to file a dispute but my wages could get garnished and then refunded if my dispute is deemed credible. I have submitted a dispute to the dept of education on their website but I have no idea how long this will take. I ca n't get any information about this   XXXX   XXXX   XXXX   XXXX    loan documentation. I do n't even know what to do next! Help!
My husband and I made a payment on XX/XX/XXXX for {$260.00}. We requested the payment be allocated to loan XXXX only to pay off the balance. Instead, it was allocated towards all XXXX loans ( XXXX, XXXX, XXXX, XXXX ). We 've called twice to get the payment reallocated, but we keep being told that we can only make additional payments certain times of the month. All XXXX loans are paid ahead into XX/XX/XXXX. My husband works for XXXX XXXX - he knows you can allocate this payment towards the XXXX loan.
I 've sent three notices this year regarding my mortgage account being reported inaccurately to all XXXX of the major credit bureaus. 
Specifically, XX/XX/XXXX mortgage payment was made processed on XXXX/XXXX/XXXX yet it is being reported incorrectly as 90 days late. 
Also, my XX/XX/XXXX payment was made late only because the Caliber website had the monthly payment listed as {$1600.00} which was n't the case. I 've called and spoken to Customer Service Department representatives on multiple occasions who confirmed that the online account information was incorrect and therefore the less than full payment was n't an error on my part. 
On XXXX XXXX I spoke to XXXX ( ID # XXXX ) from the Customer Service Department who agreed and confirmed with his supervisor that both XX/XX/XXXX and XX/XX/XXXX payments were being reported incorrectly. The confirmation number I was provided for this particular conversation is XXXX.
I did not authorize anyone to misreport any information on my credit history.. Given that Experian is acting in bad faith and have not complied with the Fair Credit Reporting Act 611, I am filing this complaint. I have attempted to have Experian clear up this matter since the listed items are entirely inaccurate and represent a very serious error in reporting. CFPB amp up and resolve this for me XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX  XXXX,
I paid off a collection account with  Cavalry Portfolio  for a bad debt and negotiated for it to be paid to remove. I have files several disputes to no resolution and it it staying on my account as a collection and not removed.
My situation is that i have a Derogatory mark that is affecting my credit score, i have not been able to progress as much because this mark is really affecting me. I have now a mark by Diversified Consultants which they say i owe {$1500.00} from the Company XXXX. 

I need your help because this is not a fair debt, when i was XXXX years old i purchase internet from XXXX, months later i received a bill for some pending payments wich i already paid, i went to the XXXX store and told the person who worked there at the time, and he verified us and told me that does charged were not supposed to be there, i was really young at the time so i assumed everything was taken care. 
I am XXXX years old now, and i have this negative mark from XXXX in the amount of {$1500.00} which has affected my credit, i called the Company, and the collector Company also to dispute this issue and explain to them what really happened, and their response was that this debt is mine and i have to pay it. It is really frustating to have this mark in my credit for a debt of more tan 7 years, and i think is not fair to pay something that was not mine and supposed to be there. 
I can not afford to pay this, the Company has not given me any options and dont want to help, i really need this to be settled and removed, i can not afford the payments and is not fair that for this i have negative marks in my credit score and history, i work really hard to help my family and pay my bills, i have been trying to ask for credit but everytime this issue comes up. 
I appreaciate your assistance, this is my last resort to solve this inconvinience. 

Thank you.
I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
I have contacted Portfolio Recovery Associates, LLC with 2 written  letters on Validation of debt in regards to a notice they sent on XX/XX/XXXX stating this communication is an attempt to collect a debt. 
Amount of {$2500.00} and {$2100.00}. 
Then continued to no Validate the debt and send replies without any contract verifying that I have a signed contract with them. On all harrising communication dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, it specifically states on their letter head on the bottom in bold : This communication is from a debt collector but is not an attempt to collect a debt. These accounts are listed on my credit reports as collections.
I am receiving repeated phone calls from XXXX XXXX at Bayview Loan Processing, LLC while I am at work about a debt that belongs to someone with a similar, but not same, name. The debt is attached to a property I do not own now nor have I ever owned. My phone number is attached to the account and Bayview Loan Processing will not remove it because the last XXXX of my social does not match the one on the account. They will not give me any information regarding the loan. The name on the account is XXXX XXXX though I am uncertain of the spelling
Unable to access my account through the XXXX app. I am a newly single mom trying to save money every way I can. I have complained to Capital One via social media, but I probably will not hear anything else about it. Why am I unable to use MY information how I see fit?
Currently the credit bureau is reporting a XXXX account as an authorize user. I did not request this nor authorize this. Please delete this account from my credit profile. I contacted the credit bureaus and was told it takes 30 days. This account is not mine and again and did not authorize. delete
Back in XXXX 2016 to XXXX 2016, I was having trouble paying back my loans at the amount set forth. I was making under poverty wage and had a dependent. They told me that the only option would be forbearance, and that I would have to keep calling every 3 months to do it. I requested to speak to a manager, and after multiple dropped phone calls saying that there was no other options, and that they do not lower interest or payments, they finally put me through to a manager. They set me up on a plan that lowers my monthly payment by {$100.00}. What I did not know was they increased my repayment time by 8 years and increased my interest rate. After it being 18 months, my auto payments dropped, so I found all this out by going in to the website and discovering how high my interest rate was, and that my plan had not extended by the 3 years I thought ( to make it an 8 year loan ), but actually increased 8 years. After reading, and experiencing from XXXX XXXX, how they decreased my interest rate to make my loans affordable, I believe that XXXX was untruthful and has caused me to pay way more, when they should have had options like XXXX or XXXX  ( which I have loans through both ). I am able now to make more then my loan payment, but am looking at all the money I feel like they tricked me out of money through false statements and pushing me into the 'only option they have ' for repayment.
On XX/XX/XXXX I had three debits from my account with XXXX that were fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called Chase Fraud Department and they reversed all of them, On XX/XX/XXXX they reverted back the XXXX saying that a chip and pin number were used. I called them many times and they said that I need to call my attorney general ( they lauged when they said this ) or hire a private investigation team and file police report. I have been a Chase loyal banker for over 10 years. The other two items of XXXX and XXXX were not reverted. How is that I had three transactions that I did that day and only that high amount one XXXX is the one as they put it " they don't have sufficient evidence that we did not charge this amount ''. My husband and I would not and have not shopped at this vendor. I believe someone made a duplicate card and or they said this is what the vendor is saying. How could they take the vendors word and not mine? I would like your help on how terrible and they had made feel as a criminal and I would like my money back in return.
I had a reoccurring charge of {$75.00} per month paid to a medical doctor for monthly visits. I saw my provider last on XX/XX/2017 and the monthly charge occurred on XX/XX/2017. In XXXX of 2017 when I tried to schedule my next monthly visit, my medical doctor 's former shared office receptionist said the provider was no longer practicing and suddenly closed her practice due to a medical condition. I realized the provider never stopped the automatic payments. I contacted my credit card company to dispute the next month 's charge which ultimately was successful. However, unknown to me the monthly charges continued in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on the XXXX of the month. I contacted the credit card company again to dispute the new charges, the processor accidentally logged the disputed amount for {$23.00} versus {$75.00} per month for each of the 3 months. I tried to resolve the error that the credit card customer service rep made when logging my call but the credit card company has refused to correct their error and will not take my revised complaint for the balance of the disputed amount. They state I must contact the merchant directly but I am not able to make contact with the doctor because she has retired due to a medical condition. At no time did I specify a lower amount than the entire {$75.00} per month I was disputing. The error is from the credit card company 's intake staff and not on faulty information I provided. The intake was recorded and could be verified. I feel the dispute process failed me and is making me pay for services I have not received. As a final means to ensure I would not continue to receive future charges from this provider, I closed the card number and received a new card.
I have a credit card with Chase bank. Last year there were fraudulent charges on the card. As the issue was resolved I continued to make payments so that it did n't affect my credit. The balance was adjusted appropriately and I resumed making payments to the smaller amount that I agreed was a result of legitimate charges. My ability to make payments online was taken away. I was told it was because the account was closed. Instead I made payments via phone for months. I have maintained a regular payment each month as agreed. In the past 7 days I have called Chase multiple times to make my payment as usual. Only now they refuse to set up any payments over the phone. Instead I am transferred to a fraud investigator with chase that has told me that she will not accept any form of payment except a mailed check. I told her that was fine but I needed the account number. She refused to give it to me. I explained that they do n't send me bills or statements anymore even though I still have a balance. She told me that it was my responsibility to know my account number. Chase had stopped sending me statements, denied me access to my accounts or my statements online ( even though I have done them no wrong ), and now they are refusing to let me pay and very close to forcing my account into delinquency for no reason. Please help, I just want to be given a reasonable way to make the payments to my account.
I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors Equifax already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XX/XX/18 XXXX  : XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/18 XXXX/XXXX XXXX/XXXX Credit Report Hard XX/XX/18, XX/XX/18 XXXX/XXXX : :XXXX  XXXX  XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX   XXXX XXXX, : : XXXX XXXX  XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18 EQUIFAX XXXX  XXXX : :XXXX  XXXX XXXX XXXX Credit Report Hard XX/XX/18, XX/XX/18 FACTUAL DATA : :XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX XXXX XXXX XXXX Credit Report Hard
This company repeatedly reported unverified, in accurate, incomplete information to Credit reporting agencies, causing damage to my credit score.
This complaint is being written due to an inaccurate account that was placed on my credit file by XXXX XXXX XXXX account number XXXX  in the amount of {$290.00}. I have disputed this erroneous account on several occasions without due process or relief. I have asked for verification and validation in reference to this account. XXXX XXXX XXXX has NOT provided me with proper documentation substantiating that I have any financial responsibility for this debt.

The Fair Credit Reporting Act states that as the consumer I have the right to request VERIFICATION and or VALIDATION of debt in question. Previously XXXX XXXX XXXX, TransUnion, XXXX, and XXXX   have verified this debt as my debt.

I have asked multiple times for verification and validation. How have all bureaus and XXXX XXXX   verified this debt? Neither entity has provided validation or verification.

On XX/XX/2018, XXXX XXXX XXXX documented that they DO NOT have any documentation proving the above debt is legally mine.

I am attaching XXXX XXXX XXXX letter stating that they are unable to provide a signed contract binding me to any debt with their company. I am requesting that this fraudulent account is removed immediately from the credit bureaus IMMEDIATELY.

The Fair Credit Reporting Act requires that this debt is VERIFIED or VALIDATED upon my request within thirty days. XXXX XXXX has confirmed that they have NO means of verifying or validating the accuracy of this bogus account. If the account can not be veried, your company must delete the account from my credit report IMMEDIATELY. If you can not show proof that you have veried this debt and you continue to list this item on my credit report, I am prepared to sue your company under the Fair Credit Reporting Act.
On XX/XX/XXXX I received an alert on my XXXX XXXX report that on XX/XX/XXXX that was reported that XXXX XXXX reported that XXXX was opened on XX/XX/XXXX for {$1400.00} for collection on my Transunion Credit. I  called XXXX in XXXX, Oh and spoke to XXXX and imformed gave them information with my Social and  he informed me that my account was not active and the last time my account was opened in XX/XX/XXXX. I don't have any cash advances. The XXXX XXXX contact is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX contact number XXXX XXXX. I think this a scam