WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion had a breach in XXXX where inquires were taken off then added back on. They did not notify me that this had happen. It is not legal to add things to credit without notifying me in writing. Then again this same thing happen in XXXX again. Once again I was n't notified and these inquiries were added back. I called Transunion and they said they could not do anything about the above breaches. These inquires should not have been added back twice. These need to be removed immediately. Thank you for your time.
I recently pulled my credit report I am unfamiliar with the debts ( 2 ) listed from this company I was never notified of any collection I called the number on the website ( XXXX ) XXXX I pressed ( 0 ) for an operator because i didnt have an account number when speaking with a Representative about the alleged debt once i verified my identity the rep imminently start trying to collect a payment for the alleged debt when I asked for a supervisor the rep then got rude I was placed on hold then line disconnected
XX/XX/XXXX I had an XXXX at XXXX XXXX Medical Center and my Medicare Plan was with XXXX XXXX XXXX XXXX of TX. I paid {$120.00} for the procedure. 

On XXXX XXXX, XXXX I had another XXXX XXXX at the same place in the same XXXX and was advised that I had a {$120.00} copay. Due to complications I was not admitted but put on observation status and released before 24 hours on XXXX XXXX, XXXX. 

I paid the {$120.00} that was authorized by XXXX XXXX XXXX XXXX. 

I got a bill from XXXX XXXX Medical Center in XX/XX/XXXX stating I owed {$220.00}. I had already paid {$120.00} and I questioned that bill. I even sent in paperwork requesting financial assistance as I did n't understand the bill. I was told by someone that " XXXX XXXX '' was billable. I could not pay the bill as I had paid {$120.00} prior to the procedure. 

I contacted XXXX XXXX XXXX XXXX who advised me that I was only responsible for the {$120.00}, not anymore. I called XXXX XXXX Medical Center and they claimed that was not true and by XXXX XXXX, they filled a collection on my credit report for {$220.00}. 

I disputed the XXXX bureaus and it was removed. 

Now, it 's XX/XX/XXXX and someone named XXXX ( Global Receivable Collections ) has filed on the all three bureaus dropping my score to XXXX. I just bought a house and had a XXXX at the time. 

I have once again called XXXX XXXX XXXX XXXX, I was given a case number and this company claims they do n't know where my debt came from but they have it and I owe it. I do n't owe them anything, I do n't owe XXXX XXXX XXXX XXXX anything and have no clue, other than from watching XXXX XXXX on " XXXX '' that someone used an excel spreadsheet and bought this debt that has been written off by XXXX XXXX XXXX XXXX and they are trying to collect. 

This is wrong, this should be illegal. I dont ' owe {$220.00} to anyone! XXXX XXXX says I do n't and I had a reference number and this company refuses to contact XXXX XXXX XXXX XXXX because they have no clue where the debt originated. They wo n't talk to me about it. 

I have NOT received mail from them. I have received phone calls that no one answers and they have called my work phone! What XXXX is wrong with America!
I keep receiving phone calls from this company Portfolio Recovery Associates, asking for my daughter which she does not resides with since XX/XX/XXXX, my phone number is a new number and no one has this number, I called this company on XX/XX/XXXX and advised them not to call and delete my phone, they stated my phone number was removed. On XXXX XXXX this company called again and asked me for my daughter 's social security number I told her that it illegal to ask a third party for personal information. I am being harrass by this company it seems they do n't want to delete my number from their records.
RE : Loan Transfer from CitiMortgage to XXXX There is a discrepancy in the current principal amount. Citimortgage shows the current principal amount as {$89000.00} and XXXX shows the current principal amount as {$89000.00}. The difference is {$310.00}. Please have Citimortgage show me the calculation, and explain the reason that the principal amount has increased during the transfer to XXXX.
My phone was stolen on the XX/XX/XXXX, so I also lost my XXXX XXXX XXXX. 
It seems that there is no human support for Coinbase and I was asked by a bot to verify my ID using my webcam - which I did. As I have moved countries, I get the following error message : ID does not match profile. 
Coinbase has no email support, no call centre and does not answer XXXX XXXX either. 
As far as I am concerned, this constitutes fraud - they have my money and I have no way of getting it back. My intention was to buy Bitcoin, but without access to my money I have now lost a potential {$2000.00} USD. 
Very frustrated.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  ,  XXXX ,  XXXX , 60 days  XXXX , 30 days  XXXX ,  XXXX ,  XXXX ,   XXXX  ,  XXXX ,   XXXX   through  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Equifax releasing ( due to their negligence ) all my personal information ( SSN, DOB, Address, etc. ) to hackers represents an incredible financial risk to me and my family. The solutions they propose are insufficient. They need to be forced to offer for FREE the following : 1 ) Credit Freeze and unfreeze upon demand on ALL credit report companies at Equifax cost for a period of at least 7 years. 

2 ) Credit monitoring for free for at least 7 years. 

3 ) An option for citizen to have NO CREDIT report in their company. I do not want do do business with them anytime in the future and I should not be part of their database against my will.
I leased a 2015 Ford Fusion in XX/XX/2015. Thus far, my vehicle has been in the shop collectively over 40 days. Most recently, the car was in the repair shop for 24 days. The Ford dealership had to rebuild my transmission twice, and was unable to fix an electrical problem inside of the car. I leased this vehicle because this is my first new car and had no car credit and student loans-making it difficult to purchase a car, which was my initial intention. The finance department advised me to lease the car and buy it out at the end, because they knew my plan was to move out XXXX, where I lived before, and had the goal of purchasing my own vehicle. The lease was only to be able to have a financing option. The dealership was also aware of my work, which is as XXXX, and that I drove a great deal, transporting other people 's children. They were aware I was going over the mileage, again, reinforcing my intention of purchasing the car at the end of the lease. Now, the car has lost so much value, I have been backed into a corner. My job is on the line because my car is not safe and I can not transport the child I am caring for. I got a new car because I care the most about safety and reliability, and it has neither. The dealership said that it is not their problem, but I can not buy a car that is not what I was sold in the first place. I feel helpless and this car has now put me in a hole. I believe it is the manufacturer 's fault that these issues exist. There is an electrical issue that the dealership has said can not be resolved and Ford has agreed, and now the transmission. I will never be able to sell this vehicle after buying it and I will not be able to afford repairs after my lease is up, especially now that transmission AND electrical issues exist. Ford and the dealership keep saying I have to pay but I just do not believe that it is fair. None of the issues have been my fault and I should not have to pay for them.
TransUnion is in violation of the Fair Credit Reporting Act for their refusal to remove an invalid and illegal tradeline from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states : ( 1 ) '' A person must not engage in the business of making consumer finance loans unless she or he is authorized to do so under this chapter or other statutes and unless the person first obtains a license from the office. '' As validated by the FL Department of Business Regulation, XXXX XXXX  does NOT hold a valid license to offer loan products in Florida. By this statute alone, this alleged debt is invalid. Chapter 516.02 ( 02 ) further states : " A person who is engaged in the business of making loans of money, except as authorized by this chapter or other statutes of this state, may not directly or indirectly charge, contract for, or receive any interest or consideration greater than 18 percent per annum upon the loan. A loan for which a greater rate of interest or charge than is allowed by this chapter has been contracted for or received, wherever made, is not enforceable in this state, and each person who in any manner participates therein in this state is subject to this chapter. '' The alleged XXXX XXXX  account is listed as having an interest rate of 314.24 %, which also renders the tradeline " not enforceable '' under the law, and thereby illegal to be listed as valid debt by TransUnion.

This account is invalid under FL state law. It is being illegally reported by an unlicensed online lender in an attempt to extort payment. TransUnion remains the only CRA that has not removed this tradeline based on it's multiple violations of the law. The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion must remove it or remain in violation of the FCRA.
This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
In XXXX XXXX, I was notified by Capital One that there was fraudulent activity on my account. Since that time ( now XXXX XXXX ), I have called twice a week, every week, to inquire to the status of my account. No one seems to be able to assist me and instructs me to inquire at a later time, by file is being handled by a " fraud specialist '', whom is never available and has n't returned a SINGLE phone call since XX/XX/XXXX. On XXXX XXXX, I was notified by a credit report monitoring service that a late payment has been posted ( 60 days late ). Not a single person at Capital One would accept a payment from me while the case was being investigated but meanwhile the interest and payments were accruing. Since XX/XX/XXXX, I 've had to deal with the most inept, incompetent individuals and they have cost me a great credit score, all the while, now telling me that the situation was rectified in XX/XX/XXXX ( however, I just called and was told that was one still being investigated ). They accepted one payment from me on XXXX account, but not another. I want the late payment removed from my account immediately!
Response from Seterus to complaint number XXXX was not satisfactory they need to supply proof as requested in my complaint number.
Summary judgment was not granted and there is a counter suit against Seterus for filing a fraudulent complaint.
I have no contract with Seterus.
They are lying through their teeth.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX Experian To Whom It May Concern : I would like to dispute the validity of XXXX account XXXX. I continue to dispute the validity of this account I request that the account be deleted from my credit report. Can you also verify and forward me the method of verification? Can you notify me of the outcome of this correspondence? I also request a summary of you dispute process Thank you Sincerely,
I joined retro fitness around XX/XX/2017, and after a year I decided to cancel my membership due to health issues. 

I sent two certified letters to XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. On XX/XX/XXXX I sent the first letter requesting for my membership to be canceled. I sent a follow up letter in XXXX because I saw that my membership was still active. 

Each and everytime I called the branch I was told that my membership was no longer active. 

Now I have a collection account on my credit reports for {$150.00}
This process started in XXXX, XXXX. I contacted VanRu in an attempt to rehab my loan after confirming that they received my packet ( with the salary information and all the paperwork ). I was under the impression that I would be on the reahab loan. I contacted a few months later to check on the status of this- they said that everything looked good and I had a few months left to complete the rehab program. After a while- I realized that the loan had not been moved to a different servicer- I called them again to check on this. They claimed that they never received the paperwork and that all of the payments did not apply to the rehab program. They claimed that they would submit the required paperwork by email /mail and that they would need to be filled out and returned. After a week or so, I contacted them again to ask for the paperwork, they claimed that this has been submitted to me and I have received them. When this happened again- they submitted a loan consolidation application paperwork- not the paperwork required for the loan rehab program. 

I had been making monthly payments for several years and they continue to send me letters saying that the payments are collected by wage garnishments which is false. Now this loan apparently has been deferred to a DIFFERENT collection agency. This loan should have been in good standing as of XXXX.
reply : i'am reporting a dispute against this company as fraud this account is not my account however it's very much incorrect this info also it's has been many complaints on this company on my credit report on this date XX/XX/2016 with this amount of {$940.00} this action was taken by this company : may action be taken?
I sent this company a dispute letter dated  XXXX   XXXX ,  2017. Here  I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Ive just spent the last 24 hours trying to freeze my credit bureau reports on line and on the telephone, and all I get are site overwhelmed messages, or put on hold and hung up.
Understanding that I am not a customer of these bureaus, and that they dont give a XXXX XXXX about my concerns, and its not as though theyll lose my business since they never did any business with me in the first place, and they collect all my financial data without my permission and then sell it to other people, and they also make my life XXXX  if I have the gall to find an error in my credit record and ask them to fix it, understanding all that, they each want me to send them money to freeze my account. XXXX?
The personal data of 143 million consumers had been compromised, and now they want money from every one of them to freeze their accounts? This hack has been a rain maker for Experian andXXXX.
Bank of America advertised a {$100.00} promotional bonus for opening a checking account with direct deposits within 90 days which I applied for and approved for after a few hurdles. However, the {$100.00} bonus has not been credited to my account.
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX CO on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
We purchased a XXXX and financed the vehicle with " Chrysler Capitol ''. The vehicle was hit by a tree during the Hurricane XXXX. XXXX came out and reviewed the damage and a check was cut. It had the lien holder and the co-owner on the check. We were advised to send the check to the lienholder and we could spend out of pocket for the repairs and they would reimburse us for the repairs that the insurance company paid for. After many weeks of sending documentation to " Chrysler '' we are now told they will not pay for certain items because they are not the same manufacturer. They have our money and we are out of pocket for these repairs. The employees are rude and of no help. To the point that they hand up on us. We need help getting paid for the repairs that OUR INS company paid us for and that Chrysler refuses to give us.
XXXX 's client XXXX XXXX is an identity theft victim. An account was opened with SYNC Bank/TJ Maxx with his information without his consent X/XX/2017 and a balance of {$1200.00} was established shortly after the account was opened. A formal dispute of this account was mailed, certified return receipt to SYNCB/TJ Maxx X/XX/2017 and was received and signed for. SYNCB never replied to our client concerning the status of the dispute ans as of today a credit report from XXXX shows the fraudulent account with the balance associated is still being reported. A second dispute of this account was sent to SYNCB/TJ Maxx. This is a clear violation of the FCRA and XXXX XXXX 's federal consumer rights.
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
XXXX Wells Fargo XXXX Wells Fargo One of  these complaints is still open, and I have written you and you have contacted Wells Fargo. 
Even though I was offered a modification by Wells Fargo for {$2700.00} monthly mortgage, and they took my money ( more than {$13000.00} ) to satisfy the 3 trial modifications payments, as explained in the previous complaint in XX/XX/2018, they sold my mortgage to ( XXXX XXXX XXXX ) XXXX who is charging even more ( {$2900.00} per month, which may be adjusted ). See attached modification offer documents from Wells Fargo and the one I received I today from XXXX. The Wells Fargo did make my mortgage more affordable and now they made it worst. {$110.00} extra per month is {$1300.00} per year or {$52000.00} over a 40-year mortgage. After giving them money from our small savings and borrowing {$4000.00} to cover the trial payments and current payment, they said I acted in bad faith because I did not provide a copy of a rental lease and other papers. After offering the trial modification, the need for the homeowner to provide more and more documents is past. So the whole acting in bad faith is a false claim and excuse to renege on the offer. It is also false advertising for the new campaign of " Wells Fargo/renew. '' I hope you will fight for me, as you have done for others who were treated unethically and criminally by Wells Fargo. I can not pay any lawyers. Sincerely, XXXX XXXX
Equifax is reporting a Public Record Released Tax Lien XXXX I wrote them many letters along with the letter Released and withdrawal letter but this public record is still on my Equifax credit report where all other credit bureaus deleted this public record. 
Attached is the letter from IRS.
National Enterprise Systems ( NES ), a holder in due course of Private Student Loan originated by XXXX XXXX. NES claims that I am a co-borrower of this loan. I have disputed that I signed this application. The copy of the application provided by NES contains numerous errors including incorrect personal information, references, and contact information including email address.
Equifax is now letting XXXX XXXX state on the payment status of a debt the it has been " REFINANCED OR RENEWED '' .Thats weird because to refinance is to start the term over at a defferent rate $ $ $ and renew is to reseason the account in which no payment was giving to the collection agency so how is this allowed and hownis this even possible???