WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted several claims to TransUnion over the course of the last 18 months. Most recently, I have filed a claim online, but when I go to upload the supporting documents, I get an error message stating the site is having 'technical difficulties '. 

These technical difficulties on the TransUnion website have been going on for over one year. It is obvious that this is intentional on TransUnion 's part. I am not able to log into the website to see any information on my account or report, and when I call, I am transferred to a rep in XXXX who is reading from a script trying to sell me services and not fix my dispute.They also ask me to mail in my documentation instead of submitting it online, which I have done, and they have either lost or claimed it was not received, so they close my dispute without settling it. I started the process each time through XXXX, and it comes to a dead stop once it goes to TransUnion. 

The turnaround time for claims is well over 30 days, and I have gotten several emails telling me the dispute has been resolved but I get no information and I am unable to access the information on their website because of 'technical difficulties '. I have attached the supporting documentation for my latest dispute, # XXXX. 

Some action should be taken against TransUnion, as they are holding Americans hostage with their unethical tactics. Credit reporting agencies should be held accountable for their inability to perform standard services. They wield too much power when their performance is subpar.
Equifax is reporting a closed collection account as an open status collection. The account was included in a Chapter XXXX Bankruptcy and the debt was discharged. This open account status is harming my credit score for having XXXX open collection. I religiously review my credit on credit karma.com. I have disputed the status XXXX or more times in the past 2 years, called Equifax and complained & contacted the creditor, XXXX XXXX. When I called Equifax , I was told to open a re-investigation, call the creditor, & that the included in bankruptcy & discharged status is a closed account status yet Equifax will not report it that way. I have received tons in credit denials because of this open collection that is not open. The problem lies with Equifax. They report all of my other collections or debts included in the bankruptcy as closed status accounts. They also are reporting accounts 7-10 years old. This account shows {$0.00} balance. The account status should report correctly as a closed collection account. The other credit bureaus report this account information correctly.
Bank of America had changed the term of my checking account to add a monthly fee for my account in 2015. After I had many weeks of disputes with them and finally contacted the CFPB when they charged not only the fee, but also an overdraft fee to my account. Subsequent to that discussion, BofA contacted me and told me the fee would be waived. They 've resumed charging the fee again this XXXX and have continued after I started putting direct deposits greater than the XXXX minimum limit previously set, and I 've now noticed that they 've set the requirement to greater than {$250.00} in one direct deposit. This practice is unclear and clearly intended to mislead consumers.
XXXX, an XXXX, FL based company has run a hard inquiry on my credit. This inquiry was placed on XX/XX/XXXX. This is an issue because I having been living in XXXX, TX since XX/XX/XXXX as a XXXX student at the XXXX XXXX XXXX XXXX XXXX. I still reside in XXXX, TX, where I am currently employed.
I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. Included in the bankruptcy on, Official Form 106 E/F, were three student loan amounts held and/or managed by XXXX XXXX/XXXX : {$10000.00} XXXX Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$310.00} XXXX Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX - Last Active XX/XX/XXXX {$330.00} XXXX Claims XXXX XXXX XXXX XXXX, NE XXXX Opened XX/XX/XXXX Last Active XX/XX/XXXX Total of XXXX loans {$11000.00} The above were included on the Matrix of Creditors in aformentioned Bankruptcy filing submitted to the court on XX/XX/XXXX. 

XXXX According to Official Form 309A ( For Individuals or Joint Debtors ) Notice of Chapter XXXX Bankruptcy Case No Proof of Claim Deadline : " Creditors who assert that the debtors are not entitled to a discharge of any debts or who want to have a particular debt excepted from discharge may be required to file a complaint in the bankruptcy clerk 's office within the deadlines '' Dates : Meeting of creditors - XX/XX/XXXX at XXXX XXXX - No representative from XXXX/XXXX XXXX XXXX.  attended the meeting Presumption of Abuse - Deadline to object to discharge or to challenge whether debts are dischargeable : Filing deadline : XX/XX/XXXX Deadline to object to exemptions : Filing deadline : 30 days after the conclusion of the meeting of creditors Deadline to object to intended abandonment : Filing deadline : 75 days after the conclusion of the meeting of creditors *** According to the " Certificate of Notice '' Form ID : 309A - Notice by first class mail was sent to XXXX by the Bankruptcy Noticing Center on XX/XX/XXXX. 

A discharge was granted by a United States Bankruptcy Judge XXXX XXXXt/XXXX  reported to all three reporting agencies that the balance on the three XXXX/XXXX  loans was {$0.00}, they were discharged in Chapter XXXX Bankruptcy, and " Closed - Derogatory ''. 

The reports reflected this status for multiple months. During the same months, no statements for any loan are available. I inquired about the statements when I discovered the three student loans had reappeared with a balance on my credit report. 



+++ I have had discussions with XXXX, The XXXX XXXX XXXX, and the three credit bureaus. XXXX has given me the runaround and says to check my statements. There were, however, no statements for the months that the loans showed up as Closed {$0.00}. I requested from XXXX that they provide all statements for the year of XX/XX/XXXX. 

The request was denied through an email that literally said " ... your request has been denied ... 

I was unable to get any explanation as to why they would n't send the statements. 
The same as above is true for Transunion as well. 

One of the other credit reporting agencies, XXXX I believe, did follow up on their investigation and stated the erroneous information had been removed and my report changed to reflect Closed {$0.00} for the most expensive loan. 

I 've tried several times to communicate with all involved parties and have gotten nowhere I have additional information if needed Thank you XXXX
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX/Carite markedXX/XX/XXXX on my XX/XX/XXXX report. I tried to contact XXXX/Carite directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report. I have attached the certified receipt. It was delivered to XXXX/Carite XX/XX/XXXX via certified mail. It has been well over a month and I have not received a response from them. Thus I am assuming they have no such documentation to pull my credit. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
This account from XXXX is closed and I no longer them owe them. Original amount has been paid twice. These amounts are from penalties that is not warranted nor exist anymore. Please remove this.
XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. Equifax, XXXX, XXXX. Equifax has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and equifax has removed these accounts and blocked them. Equifax has not completed this investigation in over 60 days
To Whom It May Concern, On XX/XX/XXXX I decided to purchase a roundtrip plane ticket with XXXX XXXX from XXXX to XXXX. The plane ticket was purchased at around XXXX local time. Early the next morning I realized I had to change the timing of one of the flights and called to make the change. I was told by the phone representative there would be a change fee. I inquired about the fact that whenever Ive flown another airline I was able to change or cancel my flights within 24 hours for no fee. I asked about canceling the whole ticket and rebooking online. I was told there would be a cancelation fee as well. With a feeling of remorse and feeling disgusted, I relented and paid the fee. This occurred before XXXX on XXXX XXXX, XXXX, a mere 12 hours after the booking. The total amount for the change fee was {$560.00}. <P/>Some time after this, when meeting with a colleague who is a lawyer, he pointed and explained to me how theres a US law that explicitly states that ANY airline, domestic or foreign, that is traveling TO or FROM the US must allow 24 hours free cancelation to whoever books a ticket originating or departing from the US. After learning this I was outraged. I called XXXX XXXX demanding a refund for the change fee and was told no. I decided to dispute the change fee transaction with American Express, the company I decided to charge that transaction with. I submitted a written explanation along a copy of the US law. I was told no. I resubmitted the information a second time along with another explanation and was told no over email. I cant get a hold of anybody from the disputes department, and theres no way anybody can pass a message. I decided to cancel this specific account with American Express and Im becoming an advocate for people not to use their cards. However, they are not proceeding in the correct way since they are not siding with me in this particular case, a US citizen following US law. My goal with this complaint is to hear directly from American Express fraud and disputes department with an explanation of why they are not siding with me and not following US laws and regulations. It is amazing that a foreign company is ripping off a US citizen, and the American company responsible for helping me is siding with a foreign company. <P/>Sincerely, XXXX XXXX XXXX
Unknown account appeared on my XXXX credit report XXXX of XXXX under the name of XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, CA XXXX - ( XXXX ) XXXX, claiming a balance is due of {$870.00}. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed 6-7 times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. XXXX XXXX XXXX is the same company as LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA XXXX. My elderly father received a phone call informing him that someone would be coming to his home address to serve him papers and that he needed to be present to sign. The caller informed him that an amount of {$3400.00} is due and that the amount would increase upon court fees. I received a letter that stated they wanted my report with an emphasis on employment status and lawsuit worthiness from LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA XXXX. I have never received validation and have filed complaints on LAW OFFICE OF D SCOTT CARRUTHERS - XXXX XXXX XXXX, XXXX, CA and have never heard back. Now they are reporting incorrect information to XXXX to damage my credit report. Violation under the Fair Credit Reporting Act ( FCRA )
on   XXXX   XXXX  2017    I first spoke with customer service person once again I was not read any mini  XXXX . He was extremely rude and argumentative. in the background I hear d two other  women speaking about another account when I finally asked for a supervisor. He kept saying that I filled out the paperwork wrong when I try to explain that they 've been corrected he wanted to continue to argue with me. When I asked a supervisor they gave me a team lead. I wanted to speak with supervisor I was on hold for abou t five min utes never received a supervisor said I would speak with somebody higher up than the supervisor still was not given that courtesy to speak with supervisor. Did agreed to speak with the team lead. I was asking about the discretionary income clause that President Obama set up for Student Loan 's and was totally ignored they were still basing things on gross income and poverty level which had nothing to do with what I was applying and for was not helpful with me at all that perhaps maybe I was even filling out the wrong repayment option and finally offered me the forbearance for a year. I felt I had no choice but to apply for forbearance I wanted to pay on my student loan and continue making payments When I read their response my first complaint nobody told me anything about my application being approved or was given y amount of {$150.00} and matter fact i was told it would be more than I was currently set up with because of some overtime. I could not afford present payment. There is so much inconsistency as to what they 're doing that I feel that my loans and not being handled incorrectly. They are not helping. I am strongly considering hiring an attorney for these actions that have been taken b y Nelnet. I happ en to have a medical condition that I could easily try to apply for  disability  and perhaps even receive full disability I choose to work, I choose to pay my student loan back but these people were n't interested in that at all What they have chosen is to charge me more interest on this loan while during this forbearance. Because they would not even go over different options with me on repayment and discuss discretionary income which is very different than gross income which t hey did not seem to understand. I have contacted now nelnet in the last six week s twice and I 've been treated very rudely, not helpful, not company doing there job. At this point I would prefer to only speak with the supervisor and when I mean supervisor I do not mean a team lead an account  manager  or customer service person. I am looking into hiring an attorney to file lawsuit against nelnet.
I made a payment and satisfied a credit card debt in XXXX of 2015. I Never received a letter stating that it was paid. I just realized it is still showing up on my credit report as not paid so I called them and asked them if they could send a letter out that I paid it. They acknowledged that I did pay it but refuse to send a letter. They said that all their letters are approved by their legal counsel and they 're not allowed to send letters stating the debt was paid on a certain date. They only sent a letter stating that I do not owe anything but it has the date the letter was sent not when I actually paid it. So if I send this to the credit bureaus they would think I just paid it when in fact I paid it almost a year ago. This will prevent the account from dropping off my credit report for an extra 11 months.
I have an account with Synchrony Bank for purchases at Amazon.com. I have the account on auto/recurring payments. Last month, instead of paying the minimum, I increased the monthly recurring payment amount and was told that this would be immediately effective since I was already setup on recurring payments. 

My payment was due on XXXX/XXXX/2016. I logged in today and saw that the payment was not made and that I had additionally been charged a {$25.00} late fee. I called customer service and they told me that there was nothing that I could do, because I was late. The CSR was extremely rude and told me that I was late, despite the fact that I was on recurring payments. 

I engaged a CSR on chat who was able to waive the late chargein 24 - 48 hours. However, I wanted to file a complaint because I thought that this was an unethical practice and I asked for a specific name to send the complaint to. She would not provide the name - gave me a XXXX XXXX XXXX and then told me to send it to 'manager '. XXXX XXXX was the CSR. 

I can only imagine how many people have been charged a {$25.00} late fee for the same reason. It is unethical and unscrupulous and the practice needs to stop.
THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!
I submitted all the paperwork the underwriter requested by XXXX/XXXX/16. I spoke to my contact person weekly every week after because my portal was showing I still needed to provide additional docs. She assured me week after week she checked with underwriting and that they had everything. XXXX XXXX I get a call from someone else asking if I can get hem the info underwriting has been waiting on. My loan closed XXXX XXXX and has still not funded. I called and they said they do n't know when it will fund as they never got an updated payoff for a creditor and it expired on XXXX. Now they are stating they need to rework the numbers and wait on the payoff This was not was I was told from the beginning and I was counting on the funds If my loan was n't delayed from the beginning my loan would have closed sooner and my loan would have funded before the payoff expired.
Debt Collector reported negative items to my credit files. As they should be under the Charity program of XXXX XXXX XXXX.
I sent a letter to all 4 3 credit bureaus XXXX, Experian, XXXX in XX/XX/2018 asking them to remove the bankruptcy off my credit report because bankruptcy court do not report to credit bureaus and I have a freeze and a suppression on XXXX so they cant release my private information,. I sent letter from court and XXXX to All 3 Bureau. They all responded the bankruptcy was verified thru court or XXXX which is not true
This letter is to inform you that Equifax has failed to respond to my inquiry dispute letter that I sent certified mail on  XXXX   XXXX ,   XXXX  . As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to th e USPS,  Equifax received my dispute letter on  XXXX   XXXX ,   XXXX  .     Please remove the following inquiries from my report as pursuant t o 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connec tion with a credit or insurance transaction that is not initiated by a consumer.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Dear Sir or Madam, Last XXXX I applied the XXXX  card from bank of America. According to the terms and conditions, I can be qualified to get XXXX XXXX bonus miles and {$100.00} statement credits plus annual companion fare after making purchases of {$1000.00} or more within the first 90 days of opening your account. 

I did make the purchase in 90 days and noticed I didn't receive the bonus last XX/XX/XXXX. I called BOA and the associate said I didn't match the qualification because I only spent {$930.00} cause the annual fee {$75.00} didn't count the purchase of {$1000.00}. However, the associate even checked the terms and conditions and didn't find any statement about annual fee isn't a purchase. The associate said I should be qualified to get bonus so he helped me to file higher level in BOA to get my bonus back. 

On XX/XX/XXXX I got a mail and it said I didn't meet the requirement to get the bonus because I didn't spend at least {$1000.00}. I called BOA again for the details but they just said its final decision and wont be changed and no one can answer why annual fee isn't a purchase that I paid for the service of BOA. 
They even suggested me to reapply the same credit card and pay {$75.00} annual fee again then spend {$1000.00} in 90 days so I will get bonus. I am so disappointed that BOA used tricky ways to get more profits for their credit card business.
Sandtander Consumer USA LLC is the auto loan account holder for a XXXX XXXXXXXX XXXX in XX/XX/XXXX that I purchased. They are practicing a Rule of 78 's & Rule of 72 's loan which is prohibited in the USA & XXXX. 
Sandtander Consumer USA LLC is violating 15 US Code 1615 Prohibition on use of " Rule of 78 's '' in connection with mortgage, refinancing, and other consumer loans. 
They are utilizing daily compound simple interest, and prioritizing the simple interest & penalizing me the consumer for additional payments by applying additional principal payment funds to the daily simple compound interest. This practice was outlawed in XXXX in USA, and XXXX in XXXX is prohibited in the USA.
There have been several inquires on my credit and I did not authorize them. They are also using addresses that do not belong to me. 

XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX : XXXX XXXX XXXX XXXX , XXXX, il XXXX XXXX XXXX XXXX, XXXX, il XXXXphone number XXXX