WillisBack/dataset-financial-user-claim huggingface dataset:
Regarding TransUnion credit reporting agency, for over a year now, I have called their Dispute department repeatedly, submitted on-line disputes into their system directly, and have written to their CEO directly as recently as XX/XX/XXXX, pleading that they update my Chapter XXXX Reorganization status from FILED to DISCHARGED. 

I am suffering from a low FICO score - this impacts my job prospects and lending underwriting. I was a victim of HOA abuse and banking illegal foreclosure which resulted in my Chapter XXXX Reorganization filing in XX/XX/XXXX, upon the advice of counsel, to protect my estate. It has taken me five ( 5 ) years to improve my credit - I am now over XXXX. Yet, TransUnion is interfering with my healing and recovery - continuing the abuse and violations I have suffered. 

As a result of their overt negligent mismanagement of my credit file, even considering all the opportunities I gave them to fix my record, I was just declined for a vehicle loan as a result of my TransUnion credit report. The dealer specifically called out that the Bankruptcy was listed as FILED which was the cause. Even when I gave the dealer a copy of the courts Final Decree - Case Closed, same as I gave the TransUnion, they were adamant that they must go by the credit report BK status, even if it 's incorrect.
Hi, I have received recently a copy of my credit report and saw a card on it that does not belong to me. I have never have an account with Capital One, and have never make any payment on it, not in the past and not at present. 
It state the card was open on XX/XX/2001 and have a Credit Limit of {$11000.00} I saw my report before and did n't see the card before.
On approximately XX/XX/2019 Revenue group reported a collection to my account and I have never received anything from this company. 
I have contacted company to dispute and let them know I never recieved any documentation to dispute and to remove from my credit report.
I am a recent XXXX student who took a break after XXXX school and used my forebearance during that period. After the completion of XXXX, Navient calls me three times everyday seven days a week around the same time using various numbers and leaving voicemails from various representatives. I live with my mother and she was the consigner in which Navient calls the same number six times daily seven days a week. I want to file a compliant for harassment by phone misuse. When Navient first called I advised them that I am currently without a job and that my mother is in XXXX at this time. Therefore, she can not currently assist me with any payments. I have defaulted and now they have sent a fax to my mother 's current place of employment which is also harassment. I do n't need them to contact my mother 's place of employment harassing her which in turn might make her lose her employment. Navient has also sent me emails and letters asking me to make my account current which I can not do at this time.
XX/XX/XXXXRe : American Express DisputeDear Madam or Sir, I am writing to provide you details about a credit card dispute I am having with American Express about an unauthorized charge made to my account XXXX by XXXX XXXX, XXXX. I am disputing the full charge, {$330.00}, made to my account by this merchant on XXXX. Additionally, I am disputing the foreign transaction charge made to my account by American Express. What follows is the sequence of events relating to these charges : XXXX : I booked a vacation to XXXX XXXX, XXXX XXXX, on my American Express account XXXX, paying for XXXX plane tickets at {$820.00} each and for XXXX down payment to the resort of {$270.00}. The balance of the vacation was to be paid for on my arrival at the resort on XXXX. I authorized no other charges. 
XX/XX/XXXX : American Express allowed my account XXXX to be charged {$330.00} ( plus associated foreign transaction charge ) for an unauthorized transaction by an unauthorized merchant from a third-world country. 
XX/XX/XXXX : I arrived in XXXX XXXX, XXXX XXXX, and paid the resort for the full balance of my trip, not including the {$330.00} charge ( of which I was not aware ), using my XXXX account XXXX ( documentation provided to American Express through website upload ). 
XXXX : I discovered the {$330.00} charge on my card and, not recognizing the charge, immediately filed Dispute XXXX. 
XX/XX/XXXX : I received notification from American Express that the charge was related to my vacation and that my dispute had been closed. I then filed Dispute XXXX, suggesting that the charge was not authorized and providing documentation from American Express and XXXX that I had paid for the trip in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. 
XX/XX/XXXX : I received notification from American Express that the charge would stand, and that I should attempt to work with the merchant to resolve it, thus I filed Dispute XXXX. 
XX/XX/XXXX : I found on American Express ' website that all but {$100.00} of the charge would stand. I was not even sent notice ; instead, I had to call American Express to find this out, at which time I opened a XXXX dispute. 

The XX/XX/XXXX, charge of {$330.00} was not authorized and thus constitutes a theft from me facilitated by American Express. I paid for my stay at the resort in full through my XX/XX/XXXX, and XX/XX/XXXX, charges. The {$330.00} was an amount charged to my account above and beyond what I agreed to pay for the vacation. American Express allowed the charge in error and must resolve this issue with the merchant immediately. I have spent more than XXXX hours of my time trying to resolve this issue with American Express, talking with several of its representatives on the phone, providing multiple documents through its website, etc. I am thus asking for your help to resolve this issue. 

XXXX XXXX
The mortgage payment for account # XXXX with Carrington Mortgage Services was paid but my credit report shows past due and last activity on XX/XX/XXXX. The mortgage was paid off on XX/XX/XXXX. The following is incorrect and on my XXXX credit report : Company/Account Name : CARRINGTON MORTGAGE SERVIC Company Address/Phone : XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Type : N/A Rate/Status : Not more than two payments past due High Credit : {$190000.00} Terms : N/A Balance : {$160000.00} Past Due : {$1300.00} Most Recent Date Reported : XX/XX/XXXX Comments on Account : Real estate mortgage
XXXX  XXXX XXXX is reporting fraudulent accounts to early warning services which is preventing me from opening any accounts with other banks. I was a victim of ID theft. XXXX XXXX XXXX has not provided any documentation with my signature showing that I open the accounts with their bank. I have submitted my ID theft form to early warning services for these charges that I am unaware of and did not authorize. Early warning services is still reporting the inaccurate information on my consumer reports. Per law all fraudulent information must be blocked within 4 business days after receiving proper documentation, that has not been done. I am aware of my consumer rights this is ruing my approval chances with other banks. I have contacted a consumer lawyer regarding this issue.
XXXX XXXX XXXX has reported to trans union incorrectly. XXXX XXXX hospital, for {$2400.00} and also {$70.00} which was in litigation and settled on XXXX/XXXX/15, the law suit in our favor and settled all past unpaid medical bills. They settled from {$63000.00} to {$7500.00} all checks were sent out in XXXX of 2015. This should not be on my credit once let alone 2 times
On XXXX XXXX, 2015 I spoke to XXXX XXXX at Discover Bank Web Support because my Online Bill Payments ( bills sent directly from the bank using the website ) displayed in XXXX different ways on my statement. Please note that I 'm only referring to payments to individual people that are sent by Discover Bank through the mail, these payments are not being sent electronically and there are no " account numbers '' associated with bill payments to these individuals. 
Some of my payments display as " Online Payment '' and others display as a check number, even though the bills were sent to the same person, by the same bill pay method. Please see the example below. 

XXXX/XXXX/2015 XXXX XXXX Online Payment $ XXXXXXXX/XXXX/2015 Check XXXXThe bills listed as " Online Payments '' are being deducted from my account on the day they are scheduled to arrive at the payee 's house, but the bills listed as a check are only deducted when the check is cashed. Bills listed at " Online Payments '' are deducted even if the check has n't been cashed. When I contacted Discover I was told the company that process Discover 's bill payment processes some bills as " Draft Checks '' which are only debited when they are cashed. The company processes other checks as " Single Check '' and these are debited from the account the day they are scheduled to arrive, even if they are n't cashed. Discover could n't explain why payments are processed by XXXX method or the other, and I was also told that I could not choose which way my payments would be processed. This is not what it states on the Discover website. 
On the Discover Website under " Help / Checking FAQS '' it states : I scheduled a bill payment, why has n't my available balance changed? 
Paying a bill with Online Bill Pay is similar to writing a check. When you schedule a bill payment, your available balance does not change until the individual or company you are paying actually processes or cashes the payment. 

This is not true. My payments labeled as " Online Payments '' are being deducted even if they are not cashed, not when the check is cashed.
This account is not mine. XXXX & XXXX tried to sue me and I was able to fight it. I disputed this account with the Credit Bureaus and it came back as verified. I never had a Care Credit card.
My information was improperly handled by Equifax resulting in potential for identity thief. My confidential information has been released due to their negligence.
I have mortigage with Merilynch/Bank of America on my Condo+Parking in XXXX XXXX NJ since XX/XX/XXXX.  The mortigage company had missed payments of tax for the parking, but were paying tax for the condo only. The missed payments were only for the year XX/XX/XXXX. The XXXX county send me the notice of foreclosure in XX/XX/XXXX and i had just one day to pay off the amount and avoid foreclosure. I discussed with XXXX XXXX ( Bank of america ) and have not been successful to get the money back that i had to pay at the Tax office of XXXX county.
I HAVE SENT CERTIFIED LETTERS TO EQUIFAX TWICE IN REGARDS TO THESE INQUIRIES EQUIFAX MORTGAGE SERVICE- XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX AND XXXX XXXX XXXX XXXX- XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX   - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX AND XXXX AND THEY KEEP TELLING ME THEY ARE A FACTUAL I SENT IN A IDENTITY THIEF AFFADAVIT AND THEY HAVE STILL IGNORED ME WITH THE AMOUNT OF IDENTITY THIEF THEY KNOW BETTER ALL THEY DO IS SEND THIS INFORMATION SOME WHERE IN ANOTHER COUNTRY AND THEY NEVER READ OR INVESTIGATE ANYTHING HOW WOULD THEY FEEL IF THE SAME THING WAS DONE TO THEM THEY ARE IN VIOLATION OF THE FCRA THEY ARE SO CROOKED
Trying not to use so much credit, No. 1, plus we moved too far away from any mall here in XXXX, Macy 's credit closed my card without any warning. It was my oldest card ( got it when they were XXXX in XXXX at XXXX ), so my credit score went down quite a bit. They would not reinstate it, and said it 's written in their policies! Yeah, who reads that XXXX? This is not so much a personal problem as I still have excellent credit, but this should not be allowed. These credit card companies/banks, continue to XXXX the consumer
XXXX   XXXX   XXXX   XXXX    filed complaint for foreclosure on property without including /mentioning previous existence of  XXXX  loan modifications.
I reached out t o Navient  in  XXXX    XXXX   to renegotiate my payment to a lower amount, since my husband has been out of work for 3 months. They " lowered '' my payment, as I was told and it was supposed to begin in  XXXX . In  XXXX  and in  XXXX  they took out the original amount - not the payment I had agreed to, which was less than {$200.00}. I called them, spoke wit h three differ ent people who all gave me differing information. I asked the last representative why it shows on my account online that I owe them a payment of {$180.00} and they drafted {$250.00} from my bank account. She told me that I can not go by what it shows online. WHAT? This makes absolute ly zero sens e.   In addition, my original principal  on one  of my loans was {$12000.00} - disbursement date of  XXXX . That balance is now {$21000.00}. The other 's original principal was {$13000.00}. - disbursement date of  XXXX . The current balance on that is {$24000.00}. My total balance has risen by almost {$20000.00} while I have been paying on it for 10 years. I will never be able to pay this off and will be in major debt for the rest of my life with this arrangement. How the government allows these lenders and banks to completely run amok and take advantage of the people is beyond me. Something should be done!
This debt is being wrongfully put on my credit report. i have no idea what this is for. I DO NOT owe this debt and it is NOT mine.
I purchased my car new in XX/XX/2014. I was in immediate need of a car. The payments were always high ... .but the need was great. I had to commute to work. 
I have tried several times for a change in interest rate or a refinance. When I make a payment almost half at times goes to interest. The principal barely moves. 
the car new was market price of approximately 22k. I now owe XXXX more on the car. I still make the monthly payments with much going to interest. I feel as if I walk away ... I am the XXXX. My credit score tanked because payments to them have been so difficult because my financial situation had changed. 
This bank is the worst. I get calls and they will say to me ... 
Is the tow truck in front of your house? They once took my car when I had made arrangements to pay them. I told them my checks come at the end of the month. They took the car right before the date. ' Capital One bank is predatory in nature.
As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$110.00} to XXXX for XXXX XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$110.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
I have b een a Discover ca rd customer sin  XXXX . Over this time, I have reached my maximum balance and have paid off in full several times, the last time I paid off in full (  XXXX  ) was in  XXXX   XXXX . I have continued to use the card since, and because I have been using automatic deduction from my primary checking account, I did not realize that there have been an increase in my APR to 29.99 % from  18  ; however the rep I spoke to stated that it had bee n 24 for s ome time. I was also told that because I had been late in  XXXX !, they had raised my APR, and unfortunately, would not be able to lower it. I have a fair to good  credit score ;  however it is generally in the good range, as I am able to meet my financial obligations. I feel violated by Discover, and after searching on the internet I now realize that there are many more consumers with similar complaints.
I have been paying this loan since around XXXX 2014, I have been paying and the loan amount seems to remain around the amount that was borrowed. I would like to redo this loan in a fair amount of interest, which would allow me to pay this loan off faster. I am not able to maintain a financial lifestyle that will allow me to pay my essential bills. This is causing NSF fee 's that will ultimately force me to close out my bank account.
I already tried last week to open and account at American Express and within a second the person assisted me told me ( declined ) again. <P/>I respectfully, ask the CFPB to release the disclosure financial balance on my account information that, I have on file with the CFPB. I have legal right to receive the disclosure financial statement, the balance on my own record with CFPB. I feel, I have been discriminated for any reason what so ever. I also have legal right to received my personal Disclosure financial record. I also request the American Express to transfer my money or my wife money in to my account or her account. I have legal right to receive my disclosure file with CFPB and American Express Bank. I have rights under FCRA and fraud alert as well.
I am requesting with this complaint that the following inaccurate items be removed from my credit report. The items are not mine and are causing me financial distress because of their derogatory information 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 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 ( Original Creditor : XXXX XXXX   XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX , XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
I was a victim of identity theft. I believe that this debt does not belong to me. I have asked this company several times to provide documentation stating that I owe this debt within 30 days or please remove it. This company has failed to provide a signed copy of agreement that shows my signature and the said amount owed. I have a copy of a police report that was made in regards to myself being a victim of identity theft. I will attach it down below.
I purchased furniture from XXXX XXXX and I received about {$3500.00} in defective items. I made numerous phone calls and sent numerous e-mails to the merchant, but I received no response from XXXX XXXX. I purchased the goods with my Wells Fargo Financial National Bank XXXX XXXX credit card # : XXXX. I am dissatisfied with the goods I received from XXXX XXXX and I have tried in good faith to correct the problem with the merchant. I may have the right not to pay the remaining amount due on the purchase. I am disputing the following charges : {$2800.00} and {$760.00} on my credit card account.
Seterus , Inc . 
XXXX XXXX XXXX XXXX, CT XXXX Seterus, Inc is my " mortgage servicer '' ( although they are primarily a debt collection agency and a foreclosure company. Seterus took over my mortgage from XXXX. They have been reporting my wife and I as late payers every month for years. 

We live in a co-op apartment so we own shares in the co-op corp which entitles us to live in our apt . The co-op corp owns the property and carries full insurances. 

Reason for the late reports is Seterus claims that we have no insurance on the property and they have increased our payment amount to cover insurance. We don't pay the increased amount. We have provided proof of insurance over and over which Seterus ignores.
1st Issue : First and foremost this is a fraudulent transaction ; BoA should treat this as such. The vehicle purchased via XXXX, paid through XXXX, using my BoA XXXX card is a " not as described case ''. 

2nd Issue : BoA reviewed their records and indicated they provided service per procedure ; however, BoA overlooked conversations with BoA representatives who provided instructions to get repair cost estimates and then subsequently make the required repairs, then dispute additional incurred costs via a chargeback for the additional amount to complete the required repairs.
The following inquiries were disputed several times to equifax and they will not remove them. XXXX XXXX, XX/XX/XXXX ... I applied for my account with them in XXXX. No requests were made in XXXX XXXX, XX/XX/XXXX ... no idea what company this is XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... I applied for a job with them, not for credit
Originally got a student loan through   XXXX   XXXX   XXXX  in my dads name he passed and I sent in death certificate as per request to close the account and forgoven. Never heard from them again or received a bill. Assumed it was wrote off. Recent credit report shows was handed over to naviant and was wrote off as bad debt. Never did I receive a bill or phone since I sent the death certificate or was notified of anything although it is now bad debt and wrote off it still reports monthly on my credit report. I recently saw they were under several lawsuits for doing this to people
I was checking my credit report and noticed a " new '' collection account had been added that adversely affected my score. The collection Company listed  is Midwest Recovery. Listing   XXXX   XXXX   XXXX  ( there are no locations in Colorado  ) as th e original debtor. First red flag. I proceeded to call them and find out what is was they could not find any collection under my name. They asked of I used another name and I gave that to them. They found the account. They proceeded to tell me that the account was from  XXXX   XXXX . Second red flag. I have not used my previous name since late  XXXX . Which means this collection is older then  XXXX  and was most likely part of my bankruptcy filed and discharged under my former name in  XXXX . I am looking to have these collections " fully removed '' from my credit reports not just closed. I have also found out th at Midwest Recovery is not licensed to do business in Colorado and believe they either bought this debt without checking the pap erwork or are trying to resurrect it. Please advise. I have filed a complaint with the Attorney General 's Office here in Colorado and they are investigating. When I advised the person at Midwest I was going to file a complaint with the Attorney General they hung up.
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX DC, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).