WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2018, around XXXX, I called TransUnion 's " fraud victim assistance department '' at XXXX. It is an automated system. I repeatedly received an error message stating that " the call could not go through. XXXX. '' I then called another TransUnion phone number XXXX on about 7 different occasions from approximately XXXX to XXXX. Each call lasted approximately 10 minutes including hold time. I spoke with at least 6 employees ( " XXXX '', " XXXX '', " XXXX '' ) who all connected me to an automated system ( resulting in the above message ), despite my numerous pleas to speak with a live agent. Only after demanding to speak to a supervisor ( XXXX ) was I transferred to a live agent in the appropriate department. Apparently, I should have been calling XXXX, which is NOT a number that is posted on TransUnion 's " Contact US '' page. I wasted at least 2 hours of my day on what should have taken 20 minutes, and I don't think other consumers should have to go through that.
Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized Inquiries and addresses they have failed to fully validated that I initiated. It has been well over the 30 days given for Trans Union to respond with validated proof to delete these inquiries per the Fair Credit Reporting Act. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditors but they have also fail to fully validate these unauthorized Inquiries belongs to me aswell. Below are the reporting Inquiries and addresses that should be Removed / Deleted from my Trans Union credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Inquiries : 1 ) XXXX XXXX - Date Filed : XX/XX/XXXX 2 ) XXXX XXXX XXXX - Date Filed :XX/XX/XXXX 3 ) XXXX XXXX   XXXX - Date Filed : XX/XX/XXXX 4 ) XXXX - Date Filed : XX/XX/XXXX 5 ) XXXX XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX - Date Filed : XX/XX/XXXX 6 ) XXXX XXXX - Date Filed : XX/XX/XXXX Reporting Address : XXXX XXXX XXXX XXXX, MI XXXX Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX. XXXX # XXXX XXXX, PA. XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXXr , XXXX  XXXX XXXX, PA XXXX SSN : XXXX DOB : XX/XX/XXXX
I have a hard inquiry on my credit reports with all XXXX major agencies from a comapny called Corelogic Credco. I have no knowledge of this lender nor did I give any authorization for them to run a credit inquiry on my behalf.
PNC Bank Mortgage is reporting " serious delinquency '' due missing XXXX 2013 payment for XXXX mortgage ( XXXX ) & XXXX mortgage ( XXXX ). 
Payments were made with late fees on XXXX/XXXX/13 XXXX {$2400.00} & XXXX XXXX, but being reported as XXXX payments. XXXX payments never sent because the accounts were settled less than full balance and closed XXXX XXXX, 2013. 
Should not be reporting " serious delinquency '' when all payments made through XXXX 2013 and account settled in XXXX XXXX, 2013, so XXXX payments made.
RushCard had notify all customers that it will be an update on the system XX/XX/2015 from XXXX XXXX that it will be no use of your RushCard prepaid card. On Monday XX/XX/XXXX they sent another email stating that the process will be taking longer. Monday I was suppose to receive my employer direct deposit as of today XX/XX/2015 I still have no use of my card I have been calling every XXXX number that they have on filed I can not get through to any customer service representatives at all. I have bills to pay and this is my money that I worked hard for. I am a USA citizen that basically live paycheck to paycheck a household to feed. It has been brought to my attention that the RushCard owner has no worries of making his customers happy.
Hello, I have called the collections account on my credit report and I do not remember opening let alone using this account with XXXX. They insisted the account was mine without any written proof, other than this rude guy, looking at his computer screen and insisting me that the account is mine. I was checking my credit report before I ship out with the XXXX to defend our nation, so, this came to a real surprise to me. Please assist me in having this account removed from my credit report.
I revoked the authorization from the company to do automatic payments from my account because the changed the account draft date without telling me and they caused my rent check for XX/XX/XXXX to bounce. I sent them certified mail the revoked authorization and got both certified cards back in the mail so I know they received them. They are still trying to debit my account.
I am a bank of America customer for many years ; during these years, the bank has been taking my money by the way of over draft. They do not show any pending transaction online and as soon as I make a payment they will post overdraft fee the next day. Yesterday, they did the same thing with XXXX {$35.00} overdraft fees. I am sick and tired of their cruel tricks and embezzlement of my money. I have XXXX children and struggle with life and banks were suppose to be helpful and supporting. I need help to put a stop to this. They hold back my payments until they can get me on overdraft. Oh, by the way, they approved a payment knowing that my fund was low and immediately they post the overdrafts fees the next day.
I received a Notice of Court Proceeding to Collect Debt on XXXX XXXX XXXX. On the back of the same letter it states : Payment to avoid Garnishment and lines to fill out information such as my Employer 's signature, work place and only XXXX lines to complete as far as money they want me to send in for payment XXXX % of my earnings. This debt occurred in XXXX it is a valid debt however, I was only given 15 days to comply to my understanding I should have 30 days according to the Fair Debt Collection Practices Act I read. I have not received no other notices allowing me to respond before now. I spoke with the creditors Attorney regarding this debt in XXXX and the Attorney stated he would get back in contact with me regarding payment arrangements that was the only contact I had with this creditor. Now 4 years later no other notices sent to me in all this time they want to garnish me without any type of negotiation and acceptance of what I shared I can pay them every week which is {$100.00} dollars. I have already sent {$100.00} last week in good faith to show I am willing to pay the debt owed. So my claim is this debtor failed to give me enough warning does not return my calls and try to work with me, the Debtor is stating I have to pay what they want me to pay regardless of my other creditors and household bills. So I feel I am being done wrong in that that debt is 4 years old, they have not sent me in the 4 years no type of notices giving me the opportunity to work out the debt, only 15 days given for me to respond instead of 30 days which most my other debtors send, pressuring me to get this done in a certain time frame of 15 days, wanting my employers information versus allowing me to make my payments and not returning my calls. I would like to know what can be done about this? I am speaking with a consumer attorney on Monday for more help.
Received Citi Cards ( Master Card ) bill for XXXX with purchases made in XXXX XXXX XX/XX/XXXX for $ XXXX not by us. Resolved! XX/XX/XXXX XXXX XXXX & XXXX XXXX TX for {$65.00}, UNRESOLVED!! After several calls to Citi Cards Customer Service XXXX. Phone calls were bounced all over U.S. Finally wife got someone she could not understand because of accent. Their response was I transfer you to someone in U.S. Received letter from Citi ( R ) Cards dated XX/XX/XXXX and received XX/XX/XXXX stating their Investigation was over and we will now be billed for {$65.00}. The following info provided for you. Invoice # XXXX, XX/XX/XXXX Shipped Standard Ground, Waybill # XXXX. Tried tracking on Internet and got no where. Second item at XXXX for same date for {$32.00} Invoice # XXXX, XX/XX/XXXX Standard Ground, Waybill # XXXX. Haven't been billed yet. These look like XXXX games. Citi Cards was sent all required info they requested and authorization not to pay XXXX XXXX and XXXX from us. No XXXX Games were ever received by us as we did not ORDER!
Carrington Mortgage has refused to assist us during loan modification process. I made two trial payments and was late on the last one due to XXXX. They refused to work with me to extend last payment, they also have not credited both payments made to the account nor have they returned the payments to me after refusing to extend and instead cancelling modification. 

They have not returned numerous calls myself and HUD counselors have made to move foreclosure date and allow to continue doing loan modification. They have refused to escalate the file to loss mitigation and process the current loan modification file stating it was within 37 days of foreclosure. The paperwork sent to us clearly stated the date of XX/XX/XXXX as deadline to receive RMA and it was sent XX/XX/XXXX. They are purposely delaying and not replying or notifying us of status of modification application despite continous attempts on our side to be able to keep our home. I have included second RMA submitted to them on XX/XX/2018 that they refuse to review and closed without contacting us if anything was missing or needed to be added for consideration. We keep getting different answers about the status of the RMA. 

I am XXXX XXXX veteran, XX/XX/XXXX XXXXXXXX XXXX/XXXX, and XXXX XXXX XXXX XXXX on extended medical leave due to health issues and XXXX  for myself and my father. I am a XXXX for my elderly father who in the last year had XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX   XXXX and has XXXX XXXX  XXXX XXXX requiring continuous medical care.
On XXXX XXXX at XXXX and XXXX my ATM debit card was used at an ATM located at : XXXX XXXX XXXX XXXX XXXX TX , twice in a row to withdraw XXXX each transaction at this time I was at work at XXXX , Ar XXXX from XXXX CST a XXXX hour and XXXX XXXX XXXX or XXXX hour flight from the location of the transactions my card was in my possession and I have not shared my pin with anyone I have attempted to contact my bank multiple times and been told I must come into a branch to make a dispute I have thoroughly explained I do not live within XXXX miles of a branch and can not come into a branch I have offered to have the forms emailed or faxed to me so that I can complete them I have filed a police report and my bank is just telling me " too bad because it is not their policy to email or fax the forms regardless of where I live '' I have exhausted all other means of resolving this so I am just making a complaint at this point to hope you guys can help me to get my bank to listen and assist me with these fraudulent charges. The police report number for XXXX XXXX is : XXXX taken by XXXX XXXX over the phone the same day of the transaction if you would please reference my attached screenshot of the transaction as well as my time sheet showing I was there.
This is an account that is not mine, I 've disputed, I 've produced paper work from the XXXX. They will not remove this account from my credit file. I have no knowledge of what the bank is where it is, if it even exists where I live. I 've never heard of the company and whats most confusing is there is a XXXX balance. this is negatively impacting my credit file and it is not my account
XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.
I am having trouble getting the mortgage servicer to speak with me. The mortgage company is Seterus. I am going through a divorce. My ex-husband is the person who borrowed the money, but I am on the deed and I also signed the mortgage. He moved out and down to Florida ( Im in South Carolina ) in XX/XX/XXXX. He has been court ordered to make the mortgage payments since XX/XX/XXXX, but has not done so. We got help from the hardest hit fund ( SCHELP ) to reinstate the mortgage through XX/XX/XXXX or XX/XX/XXXX, but he did not make any payments after that like he was ordered to do. I was sued for foreclosure in XX/XX/XXXX and I am trying to save my home. I am a XXXX senior citizen, and I do not want to be homeless. 

I have tried to speak with Seterus maybe six times in the last six months or so, and each time the Seterus representative refused to speak with me. I am a part owner of the property, and my name is on the mortgage along with my exs. I want Seterus to speak with me so that I can try to save my home from foreclosure now that my ex has abandoned me.
On XX/XX/XXXX I looked at a property to rent to own in XXXX XXXX Missouri through a company called XXXX XXXX XXXX XXXX also XXXX XXXX. Their owner is XXXX XXXX. I entered into an agreement to purchase the home on XX/XX/XXXX with the deposit being a XXXX to XXXX money transfer since their office was a six hour drive. On the XX/XX/XXXX when I arrived in XXXX XXXX to take possession of my home the door was locked which all of XXXX XXXX XXXX are unlocked. I called them to ask how to get into the property and was told to " break into my home '' or " find a window open. '' I finally found a window that was open. When I opened the window the fumes of natural gas nearly made me sick so I called the Emergency number for XXXX XXXX XXXX who sent a technician out along with the fire department and police department. When the police officer got there she said I tried to buy this house you have been the latest victim huh! This house should be condemned but won't be because we don't have code enforcement. The fire department shut off the natural gas due to a pipe being stripped inside the house. XXXX XXXX XXXX said no utilities could be reconnected because someone had stripped the utilities out of the house. When I called back to XXXX XXXX XXXX they said well it is your house now fix the problems. They are not saying the house can't be fixed and you purchased the house as is. When I agreed to purchase the house the utilities were on or had recently been on so this problem is recent. They are refusing to refund my money or switch me to another one of the properties that they have for sale. I drove back to XXXX XXXX which is two hours from XXXX XXXX with two dogs and a cat to borrow from my mother for a hotel. I put in a complaint to the XXXX Store that the money transfer from, the bank card which is a XXXX XXXX XXXX XXXX, and the Attorney General of Missouri along with the Federal Trade commission. All of which said they have no recourse. The amount of purchase was for XXXX with a XXXX transfer fee. XXXX XXXX picked it up in a XXXX store outside of XXXX XXXX. XXXX XXXX the bank involved with XXXX said in the future XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX would not be able to wire money or transfer funds using XXXX stores but because the transaction had been initially approved by me that they had no recourse to get me my money back. I did approve the transaction until I knew that the house had been damaged by the squatters that had taken up residence in the house that I had looked at. The house while in poor condition at the time I looked at it was at least able to have utilities turned on. The value of the house at the time I looked at it was XXXX and the repairs are well over that
I have been trying to close this account for a month. They told me to withdraw the money and I would be able to close the account. I withdrew the money and called to close the account. They said that I had to wait 5-10 for the balance to show up as XXXX. I waited and then called to close the account. These scam artists told me that I couldn't close the account because I owed {$260.00}. I told them that I was going to file a federal complaint -2 secs later the man said I know " I just checked the account and it now has a XXXX balance so I will submit the paperwork and you can call back in 5-10 more days when the account will be closed. '' That is only because I threatened to file a federal complaint. I spoke with XXXX XXXX at XXXX XXXX XXXX at XXXX on XX/XX/18 regarding claim number XXXX. If you pull the call, you will here him trying to scam me. 

This bank is probably scamming people left and right. I need this account closed! The hold time for each call is 45 minutes to an hour and a half! Every. Single. Call. 

I want this account closed and I am not paying these scammers any money to close it.
US Bank refuses to award the annual renewal rewards bonus tied to their XXXX XXXX credit card product even though I have paid the annual fee. The fee was paid late because unlike XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, or XXXX, they do not include the amount due or mininum payment due in the e-mailed statement. This problem happened 2 years is a row and now they are saying that because the fee was n't paid when it was due, I will not be receiving the annual rewards.
SIERRA AUTO FINANCE ... XXXX REPORTING ID FRAUD ACCOUNT, NOT MY ACCOUNT NEVER DONE BUSINESS WITH COMPANY AND NEVER HAD AUTO LOAN
On XX/XX/2018 I wrote all 3 credit bureau a letter and mailed it cerified to stating I would like the bankrupcty that is being reported by them to be VALIDATED and all I recieved back are letters or updates that state item verified. They have not stated who VALIDATED and how it was VALIDATED. I wrote a letter to the UNITED STATES BANKRUPCY COURTS who replied back with a letter that states that the courts do not VALIDATE OR REPORT any Bankrupcies or share information with any credit bureau ever .... Futhermore after careful inspection of all 3 credit reports from XXXX  EQUIFAX, XXXX  and writing more letters to the 3 credit bureaus I keep getting the same old answer verified and remains till XXXX. All 3 credit bureau XXXX, EQUIFAX, XXXX are reporting a bankrupcy with file # XXXX.which if VALIDATED they would know its wrong missing a number and letters from the case number. I then contacted my lawyer who further stated that the number being used is incorrect and that it all 3 bureau need to delete this inaccurate information from my credit report ASAP as they are in violation of FCRA 623 ( A ) ( 5 ).
I have a report showed in my account regarding XXXXOriginal Creditor for {$1600.00}, i have never been to XXXX XXXX before in my life.I know my green card was stolen sometimes in 2010
I received a copy of my credit report and notice that an account ( collection ) was added on my credit report causing my Equifax credit report to drop drastically. I have no knowledge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I 've researched this company and have never heard of them nor have I ever received any type of documentation from this company. I am furious at this point.
I offered to pay XXXX $ a month til it was paid. The debt is XXXX $ and only a month old They are demanding full payment by XX/XX/XXXX and the debt is only 45 days old by XX/XX/XXXX
Flagstar foreclosed on my family after years of us trying to apply for a mortgage modification. We were passed around and sent through hoops by Flagstar, and were denied because of Flagstar 's own mistakes and time delays. We have done everything we can to save our house, but now we 're facing eviction. We believe we were subjected to the same practices of Flagstar 's that they were cited for by the CFPB in the XXXX XXXX, 2014 stipulation on this issue. We would like help from the CFPB in order to stop the eviction and receive retribution from Flagstar for the harm they caused us and their unwillingness to help us during the entire foreclosure process.
Servicer once approved me for Loan modification and forward information over the phone on XXXX/XXXX/2016 spoke with both XXXX XXXX XXXX @ Freedom Mortgage. Few days letter, XXXX who is the point of contact told me that loan has been denied because my investor did not approve for modification. On XXXX/XXXX/2016 I received very brief mail from Freedom mortgage regarding my modification has been denied due to Insufficient Income. They are telling homeowner different answer to denied them for modification. Homeowner is XXXX Veteran currently receiving VA XXXX & VA XXXX. When we spoke with them, we requested what income underwriter used for modification review but point of contact is not able to provide the information to us at all. They sent denial letter dated XXXX/XXXX/2016 does not stated any detail information on NPV inputs and ask Homeowner to appeal the process in 14 days in writing but did not provide me where to send appeal in writing. This mortgage has been transferred from XXXX XXXX to Freedom during my modification is being review. I am XXXX Veteran and this is VA loan. I would like to keep my property.
Bank rep came to my workplace in XX/XX/XXXX and gave sales talk about how if I opened an account with them and did a certain number of transactions I would get a large incentive ( {$200.00} ). Bank rep failed to explain to me I had to transfer a minimum balance into the account by a certain time or get hit with service fees. I never received a statement the first few months as the fees were apparently waived somehow as a " courtesy '' on new accounts, and I was traveling and did not use the account. I thought either PNC had automatically transferred money from one of my other bank accounts into the PNC account, or else the account was not fully activated till I went online and took some action. I received a debit card but did not get around to activating or using it. 
In XX/XX/XXXX I received out of the blue a statement from PNC showing that my balance was XXXX AND I owed them a XXXX dollar fee. I basically got charged a fee on an account I never used ; never put money into or out of, never activated or used the debit card, never logged into PNC Online Banking. It 's an inactive account and they charged me a fee without fully explaining that I would get hit with fees if I did n't put in a certain balance by a certain time. I have called them and asked that the account be closed and the fee waived. I did not open this account with the idea of owing the bank money, I thought I was getting a XXXX dollar incentive ( which I never got because I needed to use the debit card within some " promotional period '' to get that money, apparently ). I was misled by the sales rep and I just want this to go away and I do NOT want to pay a fee on an account I NEVER USED. 
See attached letter for more details.