WillisBack/dataset-financial-user-claim huggingface dataset:
I originally filed a dispute with TransUnion about an account they were reporting which does not belong to me. They did not conduct an investigation within 30 days as required. When I contacted them after 90 days, they " reopened '' the case as if it were a new investigation and then immediately said the case had been investigated. They DID NOT follow the law and remove the disputed item as they had failed to investigate it within the time frame allocated by the law. They then lied saying that the investigation was completed on XX/XX/2016. However as apparent in the saved screenshot I took on XX/XX/2016 of their web site it clearly shows that they had NOT completed their " investigation '' on XX/XX/2016. I filed a complaint previously here and absolutely NOTHING was done! I demand accountability from my government and this consumer reporting agency.
I would like the company to honor what I was told about a year ago XXXX,2016 I paid a debt and was specificity that as of XXXX 2016 it would be removed of my credit report here a year later! They are saying that it was only going to be placed on my credit report as settled. Even though i have reached out to them and explain what I was told I would like their phone records pulled because they refuse to honor what another employee as told me. 
I feel like this is hendering the process to have to plea my case to others when they can not stand behind what was told to me! I have note of the date paid and what I was told. Thank you for your help in timely manner. XXXX
The companies response to my previous complaint is completely innacurate. And very irrelevant. They state my extension is for the month of XX/XX/XXXX. Yet I have a signed agreement with them for the month of XXXX. 

also they state that I never provided proof that my vehicle failed inspection. That is innacurate. My vehicle passed inspection from XXXX XXXX as stated in their reply. But it is believed that someone in the shop was paid off to put a sticker on this truck. On the next business day proceeding the passing inspection. I brought it to be re inspected and it failed both safty and emissions AGAIN for the SAME ORIGINAL ISSUES also in their report they mentioned my vehicle doesnt qualify under the lemon law. I NEVER SAID IT DID.

MY VEHICLE DOES NOT QUALIFY UNDER THE LEMON LAW BUT IT DOES QUALIFY UNDER THE LEMON AID LAW MGL CHAPTER 90 section 7n. 

I CAN PROVIDE A COPY OF THE EXTENSION CONTRACT. 

ALSO. MY PAYMENTS WERE NOT LATE IN XX/XX/XXXXAND XX/XX/XXXX. I HAVE PROOF OF PAYMENT
I financed my car through XXXX XXXX. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month XXXX takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and XXXX XXXX numerous times yet the late payments remain and every single month I am paying XXXX on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!
I received an updated copy of my credit report to find out that DIVERSIFIED CONSULTANTS INC. reported that i owe XXXX for XXXX when this account has already been proven that it was not mines, and removed not once but twice. This account has been sold to 2 different collection agencies.
I had a Macy 's charge account that I had maintained a {$0.00} balance on in the past with no issue. When I had spoken to the clerk who opened my account I made sure to ask if there were any monthly or yearly fees and she assured me there were none. I made a purchase that I had paid in full on XXXX XXXX 2015. Apparently, without any notice to me, between that time they have started charging a monthly fee they call a " minimum interest charge ''. Being unaware of this fee ( thinking my account was paid in full ) I did not prepare and they debited my account. The payment was returned NSF and they proceeded to attempt to collect this {$2.00} " fee '' two more times. I understand re-running an ACH once is common practice, but three times I have never heard of. As a result I have lost {$75.00} in fees from my financial institution over a {$2.00} balance that I was never notified of. I attempted to remove my payment information from their website and it did not allow me to. The fact that they ran the payment three times and will not allow me to delete my account information makes me incredibly suspicious that they are committing some kind of minor fraud.
My credit report shows a company called  XXXX   XXXX   XXXX  in   XXXX    alaska.Is claiming that i owe them over  XXXX   XXXX  dollars from five years ago. I am Inquiring as to why that is?
On XXXX XXXX, I made an automatic e-pay of {$4800.00} to my Banana Republic Credit Card ( Through Synchrony Bank XXXX account from my XXXX Checking Account. 
Additionally, forgetting I had e-pay set up, I had an additional payment made for the same amount. 
Realizing my mistake, I called my bank, XXXX, and asked them to return one of the payments. They proceeded to stop payment on ONE of the payments on XXXX XXXX. 
Unfortunately, you have listed TWO adjustments for that amount. When I spoke to one of your customer service representatives, she explained that she saw XXXX payments had been returned. This seems incorrect as XXXX adjustments have THE SAME reference number, when XXXX payments DID NOT. 
Since then, I have spoken to numerous people regarding the status. I was originally told I would have an answer by XXXX XXXX. When that came and went, I was told it was in process. As of my most recent call, today, I was told that there 's no way I can speak to someone on the payment correction team. As a result of this, I have had a late fee applied, interest charged. AND YOU CLOSED MY ACCOUNT ( which has since been reopened. seems crazy for one issue after I 've been a VERY GOOD CUSTOMER. ) I am attaching the statement from my checking account showing that one payment did, in fact go through.
On XXXX XXXX, 2016 my wife and I received an auto loan for a private party purchase of a vehicle. The seller went to the branch with us to sign the paperwork. After 3 weeks of not receiving a copy of the lien title needed for registration I contacted the bank. They said the lien had not been released by the previous owner 's bank. They had not communicated to me that there were any problems. I asked them to contact the bank that had the seller 's lien but the said they could not. I contacted the seller, she had the lien released on XXXX/XXXX/16. She went back to her bank and obtained the title and a letter releasing the lien. I took it to my local US bank branch the following day on XXXX/XXXX/16. I was told they had to " send it to the loan department for processing, it will take 10 business days at the most. '' I asked them to please expedite the process and they agreed to " try. '' After not receiving the title, not being contacted I emailed US bank yesterday XXXX/XXXX/16 and they replied today stating " Good Morning XXXX, I called our Loan Department for a status on this. A notification was sent to the branch needing the seller to sign a one in the same affidavit since she had a name change and the names are not recognized by the county. Once this is complete, it will be sent to the county after 10 business days. I apologize for any inconvenience. '' They should have recognized this when we bought the vehicle and more importantly they should have communicated the problems prior to today. My local branch has not contacted us or the seller either. Now we have to wait a minimum of another 10 business days before we can register the vehicle. We have already made our first payment on the loan but do not have the vehicle legally in our name.
I opened  Discover credit card b ecause I have been aware there was an offer to transfer balance at 0 % fee if I made the transfer by  XXXX  of this year. I had initially started applying for discover card online, but stopped completing the submission, until a representative from discover contacted me to verify certain information and to complete the application process. At the time, I have again confirmed with the account representative that my balance transfers would be at 0 % transfer fee if done by  XXXX  and he had said yes, which was the main reason why I had decided to open the account with Discover. However, when I went online to register and transfer balance, it showed 3 % transfer fee if done by  XXXX   2017 , which was not what was originally discussed to me. I just contacted discover again this morning, and spoke to a representative and all he can say is that he is sorry and do n't know why that was told to me, but I was only approved for the 3 % transfer fee. It is truly disappointing.
Re. Experian -- - Problem filing a dispute to an adverse entry on my credit report, and Problem obtaining a free credit report from Experian detailing an ADVERSE entry in my credit report -- -- My credit alerting service, PROTECTMYID ( protectmyid is an Experian company/service ) alerted me that an ADVERSE entry was added to my Experian credit report. I investigated the limited info available on the adverse report through my protectmyid.online account. Through the links it provided to Experian for filing a dispute online as well as directly through Experian.com, I tried to file a dispute online with Experian. However, EVEN AFTER EFFECTIVE LOGIN AS WELL AS COLLECTING ALL MY INFORMATION AND VERIFYING MY IDENTITY, EXPERIAN REJECTED MY REQUEST TO FILE A DISPUTE ONLINE. EXPERIAN ALSO REJECTED MY ONLINE REQUEST TO OBTAIN A CURRENT COPY OF MY CREDIT REPORT THAT DETAILS THE DISPUTED ENTRY. EXPERIAN FAILED TO PROVIDED ANY EXPLANATION WHY BOTH OF THESE REQUESTS WERE REJECTED. They simply advised that I needed to pursue both requests through their written process. 

In other words, Experian denied me appropriate access to my credit report as well as the ability to file a dispute online for an adverse entry in my credit report. Their written process is not only very inconvenient and time consuming, sending the info they requested through the mail is also more insecure than their online service. Again, I was able to login into my account with them as well as independently provided them with all info to verify my identity. Experian has failed to provide any explanation why they denied me appropriate service through their online systems.
I have completed numerous disputes with Equifax in regards to my XXXX XXXX XXXX and pay XXXX accounts. I sent all information that they requested because it was fraud. XXXX and XXXX both removed items. Equifax removed the items then placed it back. Not to mention they are repeatedly showing XXXX as a open delinquent account.
In XXXX XXXX a loan officier from 5/3 bank came to our business and stated the bank was defaulting our loans because we were in arears on the property taxes of the building they financed. After a great deal of discussion we agreed to close our 17 year family business and sell off all assests including the commerical blg and forward all proceeds to 5/3 bank to pay against the balance of our XXXX loans approximately {$300000.00}. For our cooperation 5/3 said they would assist us securing an OIC from the XXXX which would if accepted remove all liens from our personal property and nullify the personal guarantees. We worked with XXXX XXXX and by XXXX or XXXX the business was closed, all assets sold and monies turned over to the bank. XXXX then immediately proceeded to draw the documents to present to the XXXX. We submitted ALL required docs including personal finance and tax info. The XXXX responded on XXXX occassions simply commenting that their paperwork was not completed correctly and again working with XXXX we made the corrections and resubmitted. Now comes XXXX XXXX and communication from the bank stops completely. We can not find anyone who will assist us and find out what is going on. Forward to XXXX XXXX we are assigned a new loan officier finding out XXXX had left the bank. The new officier is XXXX XXXX. She has none nothing but delay the closure of these issues. We had to resubmit paperwork, personal financials and tax info over and over simply because of inaction on the part of 5/3. 

Bottom line wehave fulfilled every single request set forth by 5/3 with devastating consequences to our personal situation. At XXXX and XXXX years old this entire process has caused us great emotional distress. It needs to come to closure, 5/3 needs to step up and meet its end of the baragain and get the OIC signed, sealed and delivered.
On XX/XX/18 a letter was sent out from Nationwide Debt Management Solutions in XXXX, CA. It was regarding the tow and storage charges on a vehicle that was never registered in my name and that I was not in possession of at the time of the tow. I also went to DMV where they advised I was never a registered owner and not liable for the vehicle or any tow charges incurred. I called on XX/XX/18 to advise them of the information and that I would be disputing the debt in paper and send certified, return receipt, first class mail today which is within the 30 days I am given to dispute the debt. They then advised they would throw away any written correspondence and debt dispute letter I send and would go ahead with reporting this invalid debt to credit reporting agencies and mess my credit up. They also stated the DMV has no jurisdiction or say in who is liable for a vehicle. I asked if they had a judgement ( I was never served or notified of such a judgement ) and they stated it didn't matter they could ruin my credit with no judgement. I was also insulted in several different ways such as being told I am ignorant, XXXX, incompetent of understanding etc. My rights to dispute the debt are being infringed upon by being told my written dispute would be thrown away and told my credit would be ruined with no court order/judgement.
Coinbase, the crypto currency wallet/exchange company, due to security reasons disabled my account and told me it would take 4 business days for them to verify the cause and give me an answer. Its been more than 8 business days and i still have n't heard back from them. Customer support stopped answering phone calls due to high volume of traffic. And when they did, about 3 days ago, they could access the account but werent able to give you any information. I spoke with at least 5 representatives and all they said was that i just needed to wait for someone to contact me by email. My funds are frozen and i cant access my account, I looked online to see if more people were having the same problem and found out there is thousands of complaints of people blocked out and accounts disabled for months. I currently have XXXX dollars and seems like i 'm going to loose my money. I thought this was a serious company since its based in XXXX XXXX and its the biggest crypto currency wallet in the world. 
Please do something!!!
XXXX XXXX XXXX sent me an email stating that they are no longer serving my account when I called to settle. XXXX XXXX is the person that emailed me. His email is XXXX. Please see the attached letter as confirmation that XXXX XXXX XXXX no longer has this account.
I was initially contacted by American Credit Bureau on XX/XX/2018. I responded the debt was fully paid to the dental office, erroneous charges should be removed, show why my personal XXXX payments from my XXXX spending account are not included on the billing and to provide license information and if the XXXX XXXX  is licensed to conduct business in Colorado in writing. 

I received a response again on XX/XX/2018 demanding payment from the collection agency and no entity information. Also, again no personal payment info provided on the copy of the billing statement provided. 

Again, on XX/XX/2018 I received a payment demand letter. The billing statement was adjusted for items I requested be removed. And the billing clerk admits that they no longer use the billing management company during the time of my dental service. 

I am requesting the collection agency cease and desist contacting me until the foreign entity information is provided to me in writing and the dental office provide the correct billing to include my XXXX XXXX account statements because the copies of the billing statements are incorrect and incomplete.
Applied for Income Based Repayment plan with Navient, for which I easily qualify ( household=1, Income= $ 12K ). Was only requesting IBR on new loans ( between 2014-2016 ) that I took out as a XXXX, independent student. 

Was initially told it would not be a problem, but was then denied. Was given an excuse about how they handle my loans internally within there payment processing system, but was told that they could change that and everything would work out no problem. 

Was denied again. Every time I called them, I was given a different excuse for why they could n't do it. Was eventually told reason for denial was because I also have one old ( 12 years ago ) XXXX loan that they are servicing. They told me that I would have to have my ex-wife approve the new repayment plan on my solo loans that were taken out 10 years after our divorce. 

After constant complaining ( they would never let me speak with a manager or supervisor ), a customer service person told me that I could get the IBR if I consolidated my loans. I was assured that this would work, since I would get the opportunity during consolidation to chose a repayment plan for just those loans being consolidated, Consolidation went through but they denied the IBR repayment plan again. But the IBR repayment plan application should have been applied only to the loans I was consolidating, for which I am qualified. No explanation given. 

At this point, I 'm convinced that Navient are just straight up liars. I really thought for a long time they were trying to help me, but there hands were tied. But in the end, they lied to me, and now I 've consolidated my loans at a higher interest rate and am still being denied the IBR plan for which I qualify.
My mother and I open a bank account at Bank of America in our name only on XXXX/XXXX/2015. In XXXX XXXX, Texas. I tried to use the card and the transaction was not approved. So I returned to the bank to check what the problem was. I was told by the bank representative that the accout was closed on XXXX/XXXX/2015 at a Bank of America in XXXX, Texas. So the representative call the location and they stated that it was closed by my Mother in person. My sister inlaw lives in XXXX and she worked at that location. The representative that was helping me told the rep at the other location that she helped us open the account and that my mother was here in XXXX XXXX, and than representive went to her manager and they did nothing about it. I also explain that my sister inlaw does have my mothers drivers license because my mother did live with her at one time. 
On XXXX XXXX, 2015 I took my mother out of the XXXX and brought her to my home in XXXX XXXX. Since Bank of America here in XXXX XXXX would not do anything about it. I did filed a fraud complaint with Bank of American. The complaint was taken down incorrectly. So I filed a second one and they still stated that my mother went in to the bank and closed the account. Bank of America refuses to view the video so it can be proven that my mother was not present when the account was closed. I strongly believe that my sister lnlaw new the person that help her close the account, because she did work there, that would be the only way the account could be closed. As I said before my mother was not there. I am at witts end with all of the actions of Bank of America. The amount taken out of the account was {$1000.00}. 
Adult Protective Service has already placed Identity theft notice on my mother 's social scurity number. Because my sister In-law has taken monies out of the account that my mother had with Bank of America for years that was the reason we openned up another account. 
Please Help
I received an alert fro m the discover indi cating that my account was going to overdraw if I did not make deposit before  XXXX  I believe eastern time. I went ahead and followed their instructions on the email and set a transfer before that time frame on  XXXX / XXXX /  XXXX   so they would considered as settled even though the actual fund availability would take longer to credit the account ( according to the m ). Well tow ards the end of the day  XXXX / XXXX /  XXXX   discover decided to recall the accidental withdraw that was occurring in the account and assess a return fee. Keep in mind that they were recalling a payment from their own institution a  Discover Credit Card payment ( which they will most likely assess a fee on their card side as well ). This institution has no actual sister branches or self standing bank to make the deposit to cure d efault. This institution has no check accepting ATM contract with anyone to try to cure or make deposit that way. Their mobile check deposit according to them will be held at the same standard as if you were setting up a transfer. They have an overdraft system where they require you to open a savings account with a minimum of { $1000.00} ( not everyone has {$1000.00} dollars sitting around especially college students ). T heir checking product has this service where you gain cash back, I have around {$61.00}, previously I had tried getting to redeem these actual funds held by discover to correct a similar situation. They did the same thing and took their time to credit the checking account from funds they were holding. After I told them this apologize and provided a refund acknowledging that they had not been cleared that cash back gained from their check product also took time to credit checking account. In all this bank will not give any ability whatsoever to make deposit that will cover any outstanding withdraws but quick to charge you a fee and return the withdraw when they please. Also, I have had similar situations with this bank where they did allow the overdrawn account to sit while a deposit I made settled and no fee or return withdraw happened. I do n't understand how this bank expects you act promptly when they can not act promptly or understand that due to their lack of access you can not do much but try to correct an issue through avenues they provide.
XXXX branch manager of PNC bank in XXXX XXXX closed my bank account today right before my direct deposit hits on Friday XXXX XXXX. I already set up auto pay with all my utilities and fitness club. He promised to call me back after speaking with his loss prevention manager and never called me back. He had his XXXX employees XXXX and XXXX lie and say he was not in the branch when he was there just to avoid my calls. He is not a man of his word and very unprofessional.
I called Transunion on XX/XX/XXXX to report that I have been a victim of their inquiry issue that resulted in incorrect inquires appearing on my credit report. Clearly the representative at the bureau did not care and was not their to help and made it seem like the bureau PROFITS from bad credit and would not remove something that did not belong on my credit because it WAS NOT authorized by me. The following inquiries I reported to have removed - XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
My son was admitted into the XXXX twice this year back in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX which caused me to miss work and fall behind on my credit card. I have called XXXX XXXX in regards to my XXXX XXXX credit and asked for a goodwill adjustment and I have sent in goodwill letters. They have declined all request. I was effected by hurricane Irma and in need of a home. I am unable to be approved for a mortgage because of the late payments.