WillisBack/dataset-financial-user-claim huggingface dataset:
recently learning recently about Transunion computer glitches they experienced this year and last year I called Transunion to explain to them that I was aware of the glitches they had in there system that caused inquires to be deleted and added back on to my report in doing so I was never informed by mail or phone that they would be added back onto my report illegally without my knowledge. All in all this misfortunate was not my fault. Transunion told me it was nothing they could do about this knowing that it was there fault they even mention knowing they had glitches but the inquires had to be added back. These inquires added a hardship and as a citizen my rights were violated by Transunion. I 'm writing in hope that you can make Transunion stop victimizing me. I ask that as a resolution that all my inquires be deleted from Transunion permanently as a violation took place illegally.
I have updated my personal information with XXXX the Credit Bureau constantly to make sure that if there is any debt in my name I am notified in a timely fashion. After paying for a membership to continuously monitor all activity in my credit reporting, I am seeing a company by the name of XXXX XXXX who is reporting a Medical account in Collections. The total amount is {$220.00}. I have XXXX XXXX XXXX XXXX and I also have XXXX XXXX as insurance companies. I am not aware of any service that I was treated for and resulted in a debt to any medical facility. I have not received any mail concerning this account or a phone call from the collections company who currently has the debt. The collections company is SYNERPRISE CONSULTIN XXXX XXXX XXXX, KS XXXX. I have tried to contact both companies so I can receive a letter of validation concerning the debt. I have had no luck in doing so. I am requesting proper notification as this account is now reporting as 2 years and 2 months old but it is the first time I have ever seen it in my credit history. Needless to say it is negatively affecting my credit worthiness as XXXX XXXX continues to report this debt. A debt that I have not been notified about.
Not may account fraud letter was sent with proof i always had health insurance. and request for information no response.
I have contacted and sent letters to Equifax on numerous occasions regarding the new law that took effect XX/XX/2017 regarding Public Records, Tax Liens and Civil Judgements. Equifax refuse and have yet to remove my public record
On XXXX/XXXX/2015 I attempted to access my chase checking account for a periodic balance inquiry. however when I entered in all of my previous known login credentials online for this checking account, the chase bank website prevented me from accessing my account providing me with an error message indicating my login credentials were not correct. So I Immediately called Chase Customer Service to rectify the problem and to my dismay the rep i spoke with indicated my login credentials were no longer valid nd he advised that my username and password I used for the previous XXXX or more years as a chase customer with the same checking account had been recently changed. After he mentioned this I realized that my identity/personal information and login credentials were stolen. After providing this information to the customer service rep over the phone my account was flagged for fraudulent activity with no further access allowed until I was able to provide personally identifying information, along with a police report number to a local chase bank branch the next business day they were opened. I filed a PR with the XXXX, AZ police department explaining the situation and I was provided with a PR number. After speaking with several chase bank reps this same day i found out my identity was stolen, they indicated that on XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015 a total of {$2400.00} in total had been paid out to a mutual chase customer through their chase quick pay electronic payment service. I advised them that this was not authorized by me and that the suspect who is also their customer stole my identity and login information to hijack my account and pay himself money out of my checking account without my knowledge. Chase fraud dept took my claim information this day and advised me to follow up so i did and I complied with all of their investigative requests only to receive a letter on XXXX/XXXX/2015 indicating they completed their investigation found that the transaction was processed correctly or was authorized and that no adjustments for a credit to me for the same would be made to me. Shortly thereafter I eventually closed this account after being with chase bank for over 10 yrs due to their lack of caring, lack of investigation and allowing fraudulent activities to occurr on their account members personal accounts. I believe that Chase bank should be held accountable for their careless reactions to this situation.
My students loans were in default and a garnishment order was issued to an employer I worked for sporadically, so at the time of the order, I was an as needed employee, and my employer sent communication stating that they would garnish as they were able based on my pay. Several months later, My loan is in rehabilitation, and no longer in the office of Windham Professionals, INC. 
XXXX XXXX XXXX XXXX, NH XXXX XXXX I receive a paycheck yesterday XXXX/XXXX/2016 and there is a garnishment included. My employer is unable to remove the garnishment because they have no order to stop the garnishment. I then contacted Wyndham, and was told that my account was removed from them, and they could no longer speak to me about it. I asked if they would please send an order to stop the garnishment and they again reiterated that they could not address anything regarding the account with me. They said the account changed hands almost 9 months ago, and it was no longer theirs. I reiterated that my employer will have to continue to send garnishment payments to them until they receive this order. I was then told to contact XXXX, but when I did that I was told they never had issued a garnishment order. 

Basically, Wyndham needs to revoke the garnishment because they no longer handle the account, but they are refusing to work with me. We have worked to bring the loan out of default, and it is no longer in a status which would allow for garnishment.
I have been a victim of Trans Unions Inquiry Issue. I called then and the representative refused to help me. 

The following inquiries are on my report and were not made by me. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX So many are duplicates as well.
reported to XXXX i have collections for unpaid bills these bills belong to my son same name different middle name
Hello $ XXXX+ATM Fees {$2.00} Plus {$25.00} Gas Was Stolen Out My Account I 've Been Scammed Also With A XXXX Check That Whoever Rried To Deposit In My Account {$400.00} XXXX XXXX XXXX XX/XX/XXXX At XXXX {$25.00} Gas At XXXX XX/XX/XXXX XXXX {$60.00} XXXX XXXX XX/XX/XXXXXXXX I 'm With Simple Bank BBVA Compass
I would like to make a complaint against Mobile loans. I have paid this company over {$3000.00}. I am being charged a fixed amou t of {$73.00} every two weeks. I have co tacted this company to request a deferment or a settlement. I am drowning with these online lenders requesting help. All.of my payments are being applied to i terest
I am receiving emails stating that now I am having to start paying on my students loans. I am currently in forebearance with another lender and can not start making payments XX/XX/XXXX. I am on a fixed income and this is something that can not fit into my budget at this time. This is stressful and I am very unhappy about this since I have sent all of the information they have requested. Along with the payments being requested before I thought it would be the amount is outrageous.
I am in a loan modification trial that was approved by XXXX XXXX not Seterus ( the servicer ). I am receiving statements that my loan is behind and the payment I made on XXXX is being held in a suspense acct. So now I am going to show late on my credit report which should be corrected.
I obtained a mortgage through PNC bank. There are XXXX things that happened during the course of the mortgage process, XXXX is questionable, and the other is my specific complaint. The first packet of contract documentation had my interest rate set at 4.875 % instead of the 4.5 % that we agreed upon. They told me that it was a computer error where the .375 % was automatically added onto the original 4.5 %. My loan officer told me that he sent me an email stating there was an error, but I never received any communication to that effect. Had I not read the contract before signing, the 4.875 % would have stayed ( I am a XXXX home buyer ). The week prior to my closing date PNC 's appraiser said made a note about a front step of my house being a potential stepping hazard. The underwriter then delayed the closing by requiring the seller to remedy the issue. This pushed the closing date back a week. The original closing date was XXXX XXXX. A contractor fixed the problem on XXXX XXXX and the house was reappraised and approved on XX/XX/XXXX. The new closing date was XXXX XXXX. After XXXX on Thursday XXXX XXXX, I received a call from my loan officer stating that he had just sent me the final breakdown of costs for the closing via email and that he wanted to review it with me. Upon reviewing the documentation, he tells me that the bank charged me {$1500.00} for an extension of the interest rate that allegedly expired XXXX XXXX. I asked the bank how long the rate was locked in and they said XXXX days. I did not sign a contract with them until XXXX XXXX, which would have locked it in until XXXX XXXX. My main contention is that I was not told of the interest rate expiration or disclosed of the substantial fee until the call the night before the closing. I was moving into town from XXXX hours away and felt coerced into accepting the fee.
I mailed an addition to credit report letter to Transunion to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
I reached out to this company and credit bureaus to inform them all know that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the XXXX a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of letter directly, which is a direct violation of the fair credit reporting act.
I contacted XXXX XXXXl in XXXX to set up a payment arraignment and in XXXX again because i was needing to split my payments ... in XXXX Just a day before my scheduled payment arraignment lobel financial reposessed my car and every thing in it ... .and than they wanted over {$1500.00} to get it out of XXXX. I was not prepared to pay this amount our set up arraignment was for {$250.00}. XXXX XXXX was the day we had we up to pay the XXXX.. after the vehicle was repoed i contacted lobel and they proceeded to put me on hold for long periods of time, was hung up on, reps and management were very rude and not helpful. And claimed not to have even one notebin the system for a payment arraignment.. now I 've got no car and no job because i needed reliable transportation to keep my job...
I received a letter stating that I owe an amount on this account. I ran my credit report recently and I found it listed by  XXXX   XXXX   XXXX , and had it investigated and removed. They have now sold it to you so that you  may h ave a chance to make a few bucks.   I have never lived at the address in question and have no intention of paying you or anyone for a bogus reporting of information.   Therefore, I ask that you cease and desist any and all actions on this. Failure to do so, I will fill a complaint in small claims court against your company and report this fraudulent information to all concerned.
This collections company reported to the credit reporting agencies that I defaulted on a debt that was not mine. My credit scores dropped 65 points which resulted in me having to pay a much higher interest rate on a home loan I recently acquired. The debt is not valid to begin with, it was assigned to a XXXX XXXX   XXXX  that I owned in the past. Somehow this collection agency got my birthday and SSN and reported to all the agencies. I contacted the collections company and explained everything and they refused to change the misreporting.
Equifax is reporting a XXXX account on my credit report that does not belong to me and is result of identity theft. I have attempted to dispute this account with Equifax multiple times to no avail. I went to the police station and filed a police report and completed an identity theft report which is attached to this dispute. Please make the corrections immediately as it is affecting my ability to obtain a mortgage. If this account is not removed immediately I will be left with no choice but to file a civil lawsuit pursuant to FCRA 616 and 617 for willful noncompliance and negligence.
I have a monthly auto payment set up for my account with Navient. Each month, I check to see how much was paid for the loan principal versus the interest. For multiple months now, my loan payments have been allocated incorrectly and a majority of my total payment has been charged toward interest. I have called each time, and the customer service reps have no been helpful. Most times, I have to tell them why this should not be, even though it is common sense that I should not be paying more for my interest since I have not been late a single payment and have paid additional amounts to keep the interest payments low. Last month, {$170.00} of my {$350.00} payment was put toward interest. The customer service rep said she didnt see the problem, even though the previous month I paid only {$14.00} in interest. She then said I usually accrue {$94.00} in interest a month. She still didnt see why {$170.00} was way too much for interest. I even looked up the interest calculator that Navient used to calculate each studenta interest payment. It took 2 days for my payment to be corrected. This has been an ongoing problem. I have contacted Navient at least 4 times about the same problem, and each month they take days to get it fixed.
Atlas Financial Services is reporting a collection through XXXX Credit Bureau. This company has unlawfully gained access to my private health information as they sent me a detailed list of services from my medical provider. This is in violation of HIPPA privacy laws.
Disputed XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2018 To Whom It May Concern, The vehicle in question was purchased and ( Involuntary repossession ) in the state of XXXX. I dispute this claim, and it has been removed by XXXX and XXXX due to violation of my rights and F.C.R.A. law. I have contacted the creditor and the entity stated that the last Bureau should follow and remove this account as the other two have, because the account was settled ... this is a serious error, and I also contacted XXXX XXXX XXXX to be informed that they did not verify this account for you ... litigation will follow, if error is not corrected, and fabrications cease ...
When I opened the checking account, it came with a XXXX points which Citibank didn't honor in the first place. After filling CFPB complaint, Citibank finally " found '' the recored and deposited the points. I combined the points into my credit card account and closed my Citibank checking account. The agent did not mentioned that there was an expiration date for the combined thankyou points. I was trying to redeem these points on XX/XX/2019 at XXXX but Citibank thankyou points system had problem to process the payment. I called Citibank at XXXX for 17 minutes. The agent said there was a system issue to process the payment and did not mentioned about the expiration date either. Today, I found out my points were missing, and I called in. The agent told me that my points were expired on XX/XX/2019. The citibank thankyou points agent once again could not find any record that I had called on XX/XX/XXXX. After transferred to the supervisor, once again they " found '' my calling record on XX/XX/XXXX that I tried to redeem those points but I could not due to Citibank 's system issue. Despite not telling their customer about the expiration date, they did not let customer redeem within the expiration date. Moreover, they always could not find record regarding their own promotion. Even they finally honor their promotion, they will have system error to not let you redeem your points. It's pretty ugly business practice.
I graduated from college in 2015 and I took out private loans through Sallie Mae throughout my four years. I was XXXX and my parents cosigned with me. I have been paying more loans for a little over a year now. In that time I have paid over {$6500.00} just in interest rates. I am currently paying {$670.00} a month just for my private loans this does not include my federal loan of {$180.00} per month. I have called multiple times to Sallie Mae to refinance or consolidate or receive income based payments. I was told we do not offer any of those things. I have also have tried to refinance through a bank which I was denied for because of my debt-to income ratio. I currently work at a job where I make {$XXXX} an hour. This is the only job I could get out of college in my field at an entry level position. I am currently struggling to live because of my student loans. Paying {$850.00} a month is not acceptable. I have barely paid anything to the principle because my interest rates range from 8.5-9.875 %. I have payments of {$0.00} going toward the principle. Please help me!
In XXXX of XXXX, I was in debt. In XXXX XXXX credit card services wanted a minimum payment due of {$190.00} with a 29 % interest rate. As a single mother, homeowner I could not manage. I asked XXXX to work with me reasonably. They did not want to offer anything more than the above. They called day and night and were relentless for months. Then I started to receive communications from Law Offices of Howard Lee Schiff, P.C.. They asked that I pay over {$9000.00} to them. I only had a credit limit of {$6000.00} with XXXX. I was bombarded with documentation from them and finally, I would receive communication I was being sued. I went to court numerous times without an attorney and was made to feel very stupid. The last time I went to court I was basically bullied into a payment agreement with the Law Offices of Howard Lee Schiff P.C. if I was to receive a partial amount of my mortgage money that they in fact executed and levied. It caused me and my bills to spiral out of control I found myself facing foreclosure due to the loss of money becoming late and then behind in my mortgage payment due. I was completely devastated. XX/XX/XXXX the same thing has happened my entire direct deposit was levied and executed by Howard Lee Schiff, P.C. They are making my life a living nightmare. They got awarded a judgment order for over {$9000.00} by default and I was never given the notice or opportunity to defend myself. This firm is so shady I have found countless complaints about them. FACTS that they have been sued for violating the Fair Debt Collection Practices Act more than once, XXXX XXXX a long time attorney of the firm has been suspended 4 times for failure to pay the client security fund fee.In an article online I found their firm brought more than 8000 small claims to court in XXXX! There are tens of thousands of people who have been bullied by this firms predators. I will give an abundance of information to the CFPB and pray you help me so I can help others.
With no notice or reason given, I have been locked out of my Coinbase account. I changed my password to the account and everything seemed fine. I went to login and was directed to a page titled " Account Disabled '' and a message that said to send photo of ID and proof of address, which I sent to support email as prompted, and have only received auto-replies directing me to trouble shooting page since. The support page give no details on disabled accounts or what to do. I submitted a complaint on the support page as well and still only received auto-replies. It has been well over 72 hours since my account was disabled and Coinbase have provided me with no information on my case, what I can do to resolve the case or even why the account was disabled in the first place. This restriction already prevented me from a planned purchase of Ethereum, which I had planned to purchase at {$160.00}. Ethereum is now trading at {$230.00}. In addition I am further prevented from securing my Bitcoin to cold storage before the XXXX XXXX fork.
XXXX performed a credit check without my authorization or knowledge XX/XX/2016. I was notified through by telephone from a XXXX voice mail on XX/XX/2016. This is the second incident XXXX fraudulently participated in on the same day - see CFPB Complaint Number # XXXX. This is a red flag as it is the same fraudulent business practices similar to the XXXX scandal.
Received a letter in mail from Phoenix Financial in reference to a debt of {$760.00}. Letter indicates original creditor was XXXX which I have no knowledge of. This is causing me anxiety and fear my personal information is being shared with others which can cause identity theft. In no way this debt has been validated as mine and I request company to cease contact and delete information as to this may potentially affect my credit and/or use identity.