WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that TransUnion as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately. 

On XX/XX/18 I mailed the attached notice of dispute requesting physical verification per FCRA section 609 ( a ) ( 1 ) ( A ). Delivery of certified mail was confirmed on XX/XX/18 On XX/XX/18 TransUnion sent 2 correspondence to my address completely changing my name. Listing me as XXXX XXXX XXXX XXXX. The first letter stated I needed to verify myself. The second one stated that these accounts " AREN'T '' listed on my report. I responded and sent a copy of my bank statement on XX/XX/18 to confirm my identity. On XX/XX/18 I received more correspondence from TransUnion. This time it was a full report. The report included the accounts that I stated but still did not state that they were initiating an investigation from notice of dispute. So it is without a doubt that my identity was confirmed if TransUnion mailed a credit file to my address. XX/XX/18 was 30 days from confirmed certified mail delivery date. A week later XX/XX/18 I reported TransUnion to CFPB for not following the reporting regulations of responding to my dispute within 30 days. 8 days later on XX/XX/18 TransUnion only responded with this statement. " After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. '' The original notice of dispute was mailed to their appropriate address which handles consumer relations and " confirmed delivered '' XX/XX/18. So there wasn't any need to state what they obviously already knew. This was just a way to buy themselves more time which isn't justifiable with the proof of I've provided via the attachments.
I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records either.
In mid-XXXX, XXXX, after conducting significant research, I applied for and was approved for an American Express ( AMEX ) Everyday card with a {$36000.00} credit limit. I chose this card because of 2 advertised provisions - 1. {$150.00} rebate after spending {$1000.00} ( not at issue at this time ) and the ability to balance transfer with no fee and no interest until XXXX, XXXX ( this is the provision at issue ). There was no indication that the transfer amount was limited to a dollar figure, but rather depended upon a review of relevant credit-worthy factors. It was the key provision I relied upon in securing the card. 

On XX/XX/XXXX, I contacted AMEX, to begin the process of transferring a balance. I had hoped to transfer @ {$35000.00}, but was told that my limit was {$7500.00}, based on a policy that was in effect until XX/XX/XXXX, but was changed as of that date. I eventually spoke/chatted with 4 separate AMEX employees and none could show me on their website or in the material they sent me notifying approval of any mention of a {$7500.00} limit. In fact, 2 acknowledged that the policy starting XX/XX/XXXX was in fact the same policy I relied on, that is - that any transfer amount would not be capped by an arbitrary number but by an analysis of my credit worthiness. I will provide the photos of the relevant portions of website and docs received from AMEX. 

In the best light for AMEX, they made a mistake by advertising a balance transfer policy that did not take effect until XX/XX/XXXX. To me, this is a classic Bait and Switch - Induce a financial decision based upon a promise that they never intended to comply with.
On XXXX/XXXX/2016 a short sale package was submitted to XXXX and sent to Nationstar who is the servicer for the investor XXXX. They responded with a counter stating that the listing price should be {$500000.00}, The property is in no way worth that amount. I then requested a XXXX review of value expecting the lender to send a 3rd party Appraiser but they did no such thing, instead they used a computer program to determine that there will be no value adjustment. They are using the system called XXXX which does not factor the property conditions or contractors estimate for repairs. This has been on going for well over 1 year and we are getting nowhere. The system they use is tedious and extremely frustrating as i cant even speak with anyone, there is no live person or point of contact but instead agents are forced to use this defective system called XXXX and XXXX.
Midland Funding XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a XXXX XXXX. debt that was originated in XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but XXXX sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from XXXX stating that the loan was fraud and asking them to remove it from my credit but Midland has refused to move it. On XXXX/XXXX/XXXX XXXX sent me a notice of account closure of this fraudulent account partial account number XXXX but Midland XXXX still trying to collect on it. on XXXX XXXX XXXX I called midland funding, but they are still insisting I pay them.
I called Citi Bank credit card to make a payment {$22.00} on XX/XX/2016 ( due date XX/XX/2016 ) confirmation # XXXX.Citi sent next statement due XXXX/XXXX/2016 amount of {$45.00} ( interest $ XXXX late fee {$22.00} + {$22.00} ). I called and a lady at Citi Bank told me " do not pay that amount till investigation done. On XXXX XXXX at XXXX the investigation department from Citi called said that the balance is XXXX.I gave them XXXX phone # and XXXX debit card # in case they want more information. Again on XX/XX/2016 Statement said I owed {$58.00} ( {$22.00} + late fee {$35.00} + interest {$.00} ) I called and talk to serveral person, they keep transferring me to different department, finally a man named " XXXX '', he got XXXX debit #, and try to find out where the amount of {$22.00} go to, after 30 Minutes he told me {$22.00} was posted at wrong place, not to my account he told me that a Manager will call me on next 24- 48 hours, he admit that it was Citi mistake from day one ( XXXX XXXX ,2016 ) .He said sorry and I will not get bill again.Again Citi keep sending bill to, this time they took off later fee that they should not have charge.The bill was {$22.00}. I went to XXXX for help on XXXX.The branch manager speak to Citi on my behalf.Citi manager name '' XXXX '' told us the account would be XXXX in 2-3 days.Again the bill stay the same.On XX/XX/2016 We called Citi and they want us to fax statement from XXXX, monthly statement fo Debit card that Citi deducted money {$22.00} from.They told us would investigate that will take 7 To 14 days .Still the bill of {$22.00} remain.I got email from Citi on XXXX/XXXX/16 that they got the Fax copy from Schwabs and will investigate again.On XXXX/XXXX/16 We called Citi at XXXX XXXX from XXXX, Citi told us that they never got the Fax they want me to give XXXX debit card # again so they will investigate.I did not have card with me so they told that they will call me at home in 30 minutes, I wait till XXXX without any call.This Was fifth time that I gave XXXX Debit card # to Citi and they have never found where they post {$22.00}. I gave them all the proof that Citi took money out on XX/XX/2016 and yet Citi want to bill me for {$22.00} again.Why do they can not fix the mistake that someone at Citi mess up post {$22.00} from with they took from Debit card at wrong place.In the mean time bill is come due on. XXXX/XXXX/16 and if I do not pay {$22.00} again they will charge late fee again.
XXXX used to have an arrangement with XXXX that allowed customers to use an XXXX card to charge purchases and act as their membership card. In 2016, they changed that relationship to Citi and now use their XXXX card. 
However, in doing so, they somehow instructed Citi to issue me a credit card in my name. I neither asked for nor applied for a XXXX card with Citi, but XXXX showed up in my mailbox. Since I already have a XXXX, I destroyed the new card. About 6 weeks later, I got a call from Citi demanding that I pay my past-due bill. Having never used their card, nor having received any statements from Citi, I asked how I could owe them money. They explained that Costco had transferred my XXXX balance to Citi, and that was the past due amount that they were calling about. They emailed me a copy of the bill and I paid it immediately, and instructed them to cancel the card that had already been destroyed. 
On XXXX/XXXX/16 I received another bill from Citi with a {$110.00} balance. That balance was a result of Costco charging " my '' XXXX for their membership fee. I was surprised that Costco could create a credit card for me, transfer other balances to that card, and then add their own charge to it without so much as a nod from me, the person whose credit is affected by these actions. 
I am not an expert on consumer protection, but this seems like such an overreach that there should be a law against it. If there is not, I assure you that I will speak with my XXXX members about passing XXXX.
Sears updated their website somewhere around last XXXX, 2015. I have ( XXXX ) credit cards with Sears, issues are with both the cards access to internet customer portal. Ever since then, I am not able to access my account online to pay my statement without having major issues which have resulted in payments not being posted, late charges incurred, etc ... Access to the website takes minutes to gain. Each time I try to click on an option for my account, that process also takes a very unusually long length of time. I am not able to access my rewards points from the website to redeem them, I have been trying to redeem them for the past 5 months. I have contacted Sears online support numerous times and spent a great deal of unnecessary time trying to get help for me to access my account to make payments and redeem rewards points. Each phone call I 've made, I was promised they would have someone from technical support trouble shoot and get back with me. I have not heard from anyone. I am extremely frustrated to say the least!! To date they have not fixed the problem.
I have been receiving 3-4 calls per day from a company called Tek Collect trying to collect a small debt I'm told of {$120.00}. Earlier this week on XX/XX/XXXX I received calls from XXXX ( XXXX ) XXXX at XXXX, XXXX, and again at XXXX during work hours. I work in the medical field and was unable to complete a patients workup due to the constant calling. During my lunch break I answered one of the repeated calls. The person calling gave me their name and asked me to identify myself by full name and home address. I asked who was calling and was told that no information about exactly who was calling could be revealed until I could verify my name and address. Unfortunately I did not have time to investigate this matter properly at the time, so I kindly replied " No thank you please don't call me again ''. The person on the other line said " Ok we will try again later '' and hung up. Since this day I have received 4-5 calls per day from several different numbers, some have left blank messages of what sounds like a call center and someone laughing with a coworker. On XX/XX/XXXX after receiving three calls from XXXX ( XXXX ) XXXX the same number back to back I stepped away from a work matter to call the number back. When the call was answered the person asked is this ( my name ) I once again asked who was calling and was given the same spill about not being able to tell me who was calling until I gave my information first. I asked " So you can not even tell me what company you are calling from? I don't give out my person information to people I don't know. '' The person stated they were calling from Tek Collect about a debt they stated that I owed a medical debut of {$120.00} and would like to know when I would be making a payment. I told the person that at this time I am unable to make any form of payment and that when I can make a payment I will contact them. I was then told to hold and was transferred to someone who requested payment again. They then began questioning why I was unable to make a payment. I explained that I am a XXXX XXXX XXXX as well as a full time worker and at this time my monthly bills already over exceed my income. The person cut across me and stated " So you have income your getting paid whats the problem, why can't you pay? So you just don't plan to pay this debut you owe? '' I once again requested not to be called and hung up. This morning around XXXX XXXX  on a Saturday I awoke to a call yet again from ( XXXX ) XXXX. I answered and told them I could not make a payment, then mentioned the number of times this week I have already been called. The person replied " we have a computerized system we don't determine the amount of times you are called ''. I then asked isn't there a certain amount of calls that is considered harassment? The person replied no this is not harassment because you owe a debut we can call as many times as we need until the debut is collected. Here is a list of other numbers that this company has contacted me from between the dates of XX/XX/XXXX and XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Failing or refusing to prove a debt exists and they are authorized to collect it Collection of an amount not authorized by law or by the agreement with the original creditor attemoting to collect amounts of dollar NO dcoumantion proving amounts are owed
I have a charged-off XXXX XXXX XXXX credit card on my XXXX, XXXX and Equifax reports that is not being removed from my credit reports. The account shows a {$290.00} balance and that it has been charged off. 

My date of birth is XXXX. 
The account was opened on XXXX/XXXX/XXXX. 
I was XXXX years old when this credit card account was opened. 

Since I was n't of legal age to consent to contract I should not be liable for this account and should not have it reported on my credit reports.
I am a victim of identity theft and have 3 fraudulent and unauthorized credit card accounts that arent mine, and dont belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX, {$12000.00}, XX/XX/2017, XXXX XXXX XXXX XXXX, {$380.00}, XX/XX/2017,  XXXX XXXX XXXX, {$3.00}, XX/XX/2017, the following hard inquiries arent mine and dont belong to me : XXXX XXXX XXXX, XXXX, XXXX Consumer Affairs. My 2 U.S. Senators from Arizona, XXXX XXXX XXXX and XXXX XXXX, is investigating this matter as well on my behalf. XXXX XXXX XXXX and XXXX XXXX sent me a letter informing me they considering calling Congressional/Senate Confirmation hearings for XXXX XXXX, XXXX XXXX, Experian, XXXX and XXXX XXXX Executives to appear before Congress to answer to my complaint and other constituents in their district who have similar issues/complaints as well.
XX/XX/XXXX, I purchased a chair from XXXX XXXX for {$3900.00} plus tax and fees. The chair was delivered on XX/XX/XXXX, but was broken. I contacted the seller, sellers agent and home office and nothing was done, they refused to replace the chair for a new one according to their policy. I wrote, called, emailed and sent a letter by USPS. With no response I sent both and email and a letter cancelling the {$540.00} I paid for warranty, as well as informed I would report the charges of {$600.00} as fraudulent in my credit cards. I advised both the store and the home office I 'd dispute the charges and accounts as I requested them closed. Finally a technician was scheduled to fix the chair XX/XX/XXXXbetween the hours of XXXX and XXXX, I advised Conns in writing on XX/XX/XXXX that I would pay 1/2 the retail value on the base of the chair if they fixed it mi us the warranty I 'd written to cancel, I 'd begin payment 45 days after the chair was repaired. At XXXX XX/XX/XXXX the repair center called and said they would not make it and could n't reschedule. I contacted Conns again resending my prior offer as the chair is not repaired and I requested they come get it and allow me to speak to their arbitrator XXXX XXXX. They refuse stating my attorney has to call, however my contract says either myself or someone representing me could speak with them. 

In addition, the total amount owed on the chair is about {$2700.00}, not {$5200.00}. Conns has refused to follow their policies in regards to purchases and exchanges. I 've informed them that the debt would be disputed and received messages in return noting they understand.
Applied for a CitibPriority account and was approved over the phone. I subsequently provided evidence of signiture and they, without prior warning, closed my account. This happened while applying under a mailed ad for American Advantage miles which the bank clearly didnt intend to grant.
I attended XXXX XXXX XXXX where I was TOLD I qualified for a GRANT. My mother was with me and we qualified financially for the grant. Never was I told that I would be in debt for this amount of money. I was without a job or practically homeless at the time - there is no way I would have qualified for a loan of {$18000.00} dollars. The person that enrolled me hasn't been there for years. She absolutely told us it was a " XXXX XXXX '' that we would not have repay due to our financial situation at the time. For 10 or so years now I've been penalized for something that I did not have any knowledge of. It's time for this to be taken care of properly. This was fraudulent and presented with malice and absolute false representation by the admissions counselor at XXXX XXXX XXXX.
XX/XX/12017 XXXX they called and harrased me. im suffering from XXXX. this is not mines. i can XXXX XXXX XXXX XXXX
Between XXXX XXXX, XXXX and XXXX XXXX, XXXX a collection agency reported a debt to the credit bureaus. This collection agency Commonwealth Financial Systems is not licensed to collect in the the state of Florida. Also, their licensed in PA has been revoked/voided.
I added money to my paypal account from my linked bank account. 
The next day they limited access to all my funds. 
I emailed why and they stated because I withdrew money. 
They allowed the transfer to complete a few days later, still not allowing access. 
They are not responding to any further emails.
I've called Transunion multiple times about Hard Inquiries that I did not authorize, that I want removed from my credit report. I've also sent letter via certified mail, and the inquiries are still on my report.
I have a $ XXXX+ loan with AES and have tried contacting them several times via email AND phone over the last month and have not gotten a response yet. I receive the email stating that communication was initiated by me and that someone will get back to me within 24 hours, but no one ever does. I am so unsatisfied with their services and policies that with thousands of dollars in exchange, I deserve a response as soon as possible. Not to mention, I have an increase in my interest rate MONTHLY. Obviously, I am unhappy to say the least. I need answers. 
Thank you, XXXX XXXX
I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company
I have a federal loan with AES that I had perfect payment history on until they randomly locked me out of my account and were unable to resolve the issue so I began mailing in payments as opposed to sending them in electronically. I submitted numerous payments I have documented that actually put my loan account ahead of by overpaying every few months. At some point AES claimed I was 60 days behind on payments and put a delenquent mark on my credit report without notifying me. I have since resolved the issue and disputed the delenquent mark on my credit report, which caused my credit score to drop 100 points overnight, with AES however they just said No its a federal loan they cant do anything. I am currently in the process of getting a mortgage loan and the delenquent mark on my credit report is costing me getting a good loan rate. If you look into any credit Ive ever been extended you will find I have never been late on payments for anything. I feel there is something that should be some courtesy extended given my payments history as well as the circumstances in which an error was made on the part of the lender.
XXXX purchased our XXXX mortgage loan last XXXX. At first they led me to believe I was late so I filed a complaint w/ cfpb. Things got resolved but I felt I was getting played based on XXXX 's reputation. ( maybe we have someone not paying attention? ) Last XXXX they forced placed a flood policy on me. I ignored it knowing their reputation and was not paying for dual coverage.I have not paid the premium. I finally got tired of them asking for the premium and sent them my XXXX page. Not good enough. Apparently since this was new construction the legal address does not match the physical address. No big deal they say " It is required by XXXX. After all these years no creditor has challenged this. So .... The insurance company says the agent has to change it and the agent told me to call the insurance company. Again no big deal as we been carrying flood insurance since we purchased the house. Again, I feel like is XXXX looks for borrowers to extort money from ; somebody not paying attention. They have gotten better ; the call center employees sound more convincing and professional : but when asked XXXX several people ) to review my policy ( XXXX page ) ; almost all XXXX insurance experts XXXX had no access to it ; XXXX a couple did XXXX when they all should. Now I'm asking for a deferment and I'm feeling I will get the run around. I've been down this path before.! A group of investors buying a distressed book of business handled by young people in a call center in XXXX XXXX XXXX.