WillisBack/dataset-financial-user-claim huggingface dataset:
For the past XXXX days, after I enter all my personal info at XXXX, the Transunion site displays a message that due to the XXXX breach Transunion can not process my request. That is the only XXXX of the XXXX companies from which I have not requested a free report within the past year. I 've been trying to access my report early in the morning CST, before too many are awake in the US, and have also tried in the afternoon and at night. 

XXXX. After a breach of this magnitude, there should be no charge by any of the XXXX companies to an individual requesting his/her own credit report. 

XXXX. If Transunion can not handle the request volume, that message should be displayed at XXXX BEFORE we enter all our personal info. 

XXXX. We all need new identifiers to replace our SS # s!
I had two money transfers cancelled for unknown reasons and never had this problem with this service but customer services was clueless!!!
I'm having a problem with chase bank they are giving misleading information about my funds that I'm missing from my account one person told me they mailed out a check but I never received it i would like to know what's going on
cros ref XXXX this is what the cr bur saying XXXX {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could dispute
On XX/XX/2018 I sent a certified letter to Transworld Systems, as  they were reporting a debt on my credit file, disputing this account and asking for proper detailed validation of this debt. I received no response, and my credit file was not updated as disputed as required by federal laws. Since, no action was taken on behalf of Transworld Systems, I sent another certified letter again demanding proper validation. To date, I have yet to receive any response from Transworld Systems. This company 's lack of care to follow both federal credit reporting laws and federal debt collecting laws is harming my credit file. I never received any initial notification of the debt so that I hade a proper chance to dispute or resolve this debt before it was reported on my credit file. To date I have no knowledge what this debt is, as I have never done business with Transworld Systems.
I closed my XXXX continentalfinance.net card about 13 months ago due to an extremely high yearly fee that I could not afford anymore to focus on paying down the balance. Since then I have been focused on paying the balance off at 30 % interest. I noticed unfortunately that they have been charging me a $ XXXX monthly maintenance fee ever since I closed the card even though the card is not being used. I asked that they remove the $ XXXX monthly fee because card is not active and they refused. I want the $ XXXX  monthly fee removed for the past 13 months. I spoke with two supervisors, one by the name of XXXX XXXX.
COLLECTOR INGNORED CEASE AND DESIST AND DON'T CALL ORDERS ... AND NOW IS REPORTING ON CHEXSYSYTEMS, XXXX AND OTHERS IN VIOLATION OD THE DODD FRANK ACT.
Hi! I called Quicken Loans to get some rates for a home mortgage refinance. They quoted me some rates for the 20 year loan that I was looking for. I have been very clear that I was shopping around for rates. The rates they gave me were worse than what I was getting from another lender. Then I decide to proceed with another lender who run my credit report and I see in that report that Quicken Loans has run my credit without my authorization or giving them any documents. 

This has adversely impacted my credit score and increased the cost of my refinance mortgage by {$3000.00}. 

Two days later I get documents in mail from Quicken Loans asking me to sign on the documents to proceed. This is when I have not agreed to proceed with them on the loan even. 

Pls help. 

Thanks XXXX XXXX
I have filed several complaints against Kia Motors Finance for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XX/XX/XXXX and then on XX/XX/XXXX they add the negative information back to my credit report again.
In XX/XX/XXXX I began my XXXX studies with the University XXXX XXXX XXXX, CA and completed this program in XX/XX/XXXX. I began my graduate studies in XX/XX/XXXX with University XXXX XXXX and completed my XXXX studies in XX/XX/XXXX. I was also enrolled at the University XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX XXXX in XXXX XXXX   with the University XXXX XXXX in XXXX of XXXX, I completed this program in XXXX of XXXX. During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on active duty that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX %, which qualified me for the Total and Permanent Disability ( TPD ) program for my student loans. On XX/XX/XXXX DOE directed XXXX XXXX and XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my total and permanent XXXX. In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with XXXX XXXX. To my knowledge this was never corrected. Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, XXXX-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.
When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate Bank of America locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing.
I was looking for a refinance for my existing mortgage on XX/XX/2019.  LoanDepot contacted me and gave me an offer. Then I provided all my basic information to double confirm if I was eligible for the XX/XX/XXXX ARM rate they offered. I was told I was OK. Then they started a credit check and I double checked with them before appraisal whether my credit was fine for this rate and got confirmed. However, after appraisal, they told me my credit history was less than 2 years so they needed to increase my rate. Then they refused to refund my appraisal fee if I didn't agree with the new rate. My credit history was the very basic factor that was clearly shown on my credit report and I already double confirmed with them ; They should know this at the beginning, but they still ordered the appraisal. I suspect it was their strategy to trap customer. Customers should not pay for their unprofessional consequence.
I was a victim of ID theft, I followed legal procedure by filling an FTC Fraud affidavit and also filing a report with Law Enforcement Agency. I then forwarded these docs to all XXXX credit bureaus, indicating which accounts resulted from said ID theft and complying them to remove these accounts. XXXX & XXXX complied and removed, Experian did NOT! Even after repeated attempts to enlighten them as of their legal obligations. I am thereby forced to escalate this issue to your level, I hope you 'll be of assistance. In summary, please request Experian to remove and delete entirely from my report the following XXXX accounts, 1 ) XXXX Account # XXXX 2 ) XXXX Account # XXXX. This needs to legally be done withing " 4 '' days of receipt of dispute and attached paperwork proving it.
ApproximatelyXX/XX/XXXX I noticed that my Chase Card was charged 2x for approximately {$2700.00} each from XXXX  I immediately called Chase to Report the fraud. Chase issued a credit and issued me a new card.

2 Months later ( XX/XX/XXXX ) - a company called - XX/XX/XXXX sends me 8 worthless video games in a package with no invoice or billing slip. I found their phone number and I called them, but did not get a response. I held onto the package.

Now, XX/XX/XXXX, I am told that those boxes contained XXXX Laptops, that they were delayed shipments from XXXX  and that I now have to pay for those bogus credit card charge that Chase previously expunged from my credit card states.

I contacted the owner of XXXX   through the Internet, the owner said it was a mistake, and he said it was a common fraud with XXXX  and the owner offered to help. By information and belief, Chase refuses to contact the owner to solve this problem - even though I contacted Chase in writing with the contact information.

I am the victim of Fraud, and Chase is not doing anything but threatening my credit card with a {$5400.00} bill for merchandise I never orderd, and never received. T
A few weeks ago some one went to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, to make a payment for me, on my account. The person making the payment is not in my account and is not authorized to get any information nor make any transactions, yet the customer service representative/sales agent provided information on my account without my authorization. This action caused a series of events that affected my life including the possibility of a divorce.Attempted to contact corporate office as well as customer service but phones are not working.
Ive contact National Credit Management on different occasions to delete an account on my credit report that is not mine. The first time I contact them via mailing in regards to validating the debt they failed to mail me copys that verify this debt as mine. They only decreased the debt from {$90.00} to {$70.00}. I recently filed a complaint and their only response was to close the account and return it to XXXX XXXX University.
Credit reports state no payment made for the month of XXXX 2015. According to banks own records this is not accurate.
I sent a Validation Letter and Cease and Desist Letter to this company twice and I have been ignored.This debt does not belong to me and was Deleted from Public Record Via XXXX  ( XXXX ) This Company have no respect for the law and consumer rights.I proved to one company that this debt isnt mine and ill prove it again USPS TRACKING : XXXX
The agent for the company, XXXX, called my references after I was less then 1 week late on making my payment. They only made XXXX attempt to contact me which was by calling my home phone at XXXX when I, like most other people was at work and did not leave a message. When she called my references She gave detailed information as to why she was calling to my references so to embarrass me I assume. They were not given permission to contact or discuss my account or situation with anyone other than myself.
Vehicle was traded in and paid in full by XXXX XXXX XXXX XXXX and Ally Financial released the title to the dealership ( which in turn went to auction ). Ally financial continues to contact and harass me after advising them to stop. They released the title and I no longer own vehicle.
opened an account online. was charged XXXX dollars and given account and notice debit card would be sent. Went into a branch and was told no money in my account. US bank stole my money and manager says I was denied and would recieve a check in 3 weeks. What? thats like an unauthorized loan. thay stole my money and still continue to get emails from them stating debit card is on the way.
Loan is from XX/XX/2010, car was returned to creditor, loan was discharged. Tradeline should have fallen off credit reports because the debt was too old to be reported according to credit bureaus. Credit Acceptance has continued to update the debt to reflect a more recent delinquency to avoid removal from credit report.
I have had Wells Fargo as a secondary bank account for years and have had to close my account for too many issues regarding fees and fraud. The final straw was a fake check that was allowed to be cashed and the horrible way in which it was handled in order to have the money replaced. It was a substantial amount and until the police became involved, I was getting resistance from Wells to put the money back even though they admitted that the check was fake, not written or approved by me, and that it may have been an inside job.
On or about XXXX XXXX, 2016, I received a phone call from XXXX XXXX of Credit Counsel , Inc. XXXX XXXX indicated that he was representing his client XXXX XXXX in an attempt to collect {$2700.00} for an unpaid workman compensation debt. I had not received any correspondence via mail before this phone call. I knew of XXXX, the workman comp bill and the amount of {$2400.00}. XXXX XXXX indicated that by XXXX XXXX, 2016 I needed to get back with him and submit the {$2700.00} On XXXX XXXX, 2016, I contacted XXXX XXXX and informed him that the amount he quoted was incorrect. He stated that this was the amount he was authorized to collect and received from XXXX. He stated that it was late fees and other charges. I called XXXX XXXX and was told that {$2400.00} was the amount owed on the claim. XXXX XXXX stated that he was " going to sue me and get more than I owed ''. He went on to demand immediate payment, stated that he was looking at my credit report and I needed to get the money from my XXXX. I informed XXXX XXXX that I did not have a 401 k and he immediately called me a liar. He continued the bullying tactics by threatening to file a lawsuit and sue me in court. 
I was taken aback by the unprofessional behavior, threats, and name calling. I inquired later on in hopes to contact a supervisor to resolve this matter as well as report XXXX XXXX 's behavior. I was given the name of a supervisor, XXXX XXXX. I attempted to contact him and my call was intercepted by XXXX XXXX. XXXX XXXX stated that no one named XXXX worked there, he was the supervisor and I was wasting his time. He transferred my call to another gentleman that stated he was the supervisor. He demanded payment of {$2700.00} and if I was n't wanting to talk about submitting full payment, I was wasting his time. I had never been involved with a collection agency and this did not seem appropriate. 
I submitted a debt validation letter to Credit Counsel , Inc. and requested validation. I received paperwork indicating {$2400.00} was owed, several health insurance claim forms and to arrange full payment from XXXX XXXX. I did not received any other documents or information I requested. After I submitted the validation request, cease and desist letter, I still received a voice mail from XXXX XXXX of Credit Counsel , Inc. stating that was representing XXXX and attempting to collect a debt. This was clearly a violation and disregard to requesting to be contacted by mail only. The employees of Credit Counsel , Inc. did not cease and desist contacting me by phone.
XX/XX/2018 : Applied for a Used Auto Loan. Loan Amount Requested : {$33000.00}. Loan was denied for Excessive obligations in relation to income ( overextended ). The lender was notified that 2 other auto loans were recently paid off. These same loans were being considered when analyzing capacity to repay. Lender was notified of this. There was no response to this inquiry. Loan decision appeared to be an automatic decision under the Reg B rules.
I have 2 fraudulent atm transactions on my Chase debit card. I filed a claim and it was denied. The reason they gave me is that the PIN was never entered incorrectly. What does that have to do with anything? So whoever stole my PIN number typed it in correctly. BIG DEAL!!! That has no bearing on my claim. They also they denied me because the account was open less than 30 days ago. Again, what does that have to do with the fact that my card and PIN was stolen? The third reason they said I was denied is that there are charges after the ones I disputed that I did not dispute. That is completely false. There are no charges after the 2 fraudulent ATM transactions in my dispute. There is an ATM charge from Chase but thats all. The 2 transactions in my dispute are both for {$500.00}. One is on XX/XX/XXXX and the other is on XX/XX/XXXX. There are no other transactions after that. If there were then I would dispute those as well. The only thing other than the fraudulent ATM transactions is the atm fees. They should be reimbursed as well. I cant believe a bank as big as Chase could have such a poorly executed fraud investigation. The transactions werent mine, so honor your zero liability policy!
As of yesterday, I am XXXX months behind on my private student loans payments through Navient, formerly through XXXX XXXX. They are calling me XXXX times a day. I work a full time and a part time job. But I have XXXX children and am going through a divorce so money is very tight. I have to take care of our immediate physical needs before I pay this predatory loan than is accruing interest at a staggering pace. Private loans also do not offer the same programs that Federal Loans do, so there is no chance of an income based repayment or other options that I could qualify for. Please make them stop calling so much. I 'm trying to work and make money. When I see them calling every hour, it 's a distraction and it 's heartbreaking.
Citibank N.A. did a hard inquiry without my permission. Their authorization request to obtain my credit report did n't say that they will do a Hard Inquiry. Furthermore, the authorization to obtain a credit report is written in very small letters at the end of the page, making it hard to notice. To sum up, there was no approval for the hard inquiry, and Citibank N.A. did it without my permission. Even if I authorized them to obtain my credit report, I did n't authorize a hard inquiry! 
This is why I am asking the dispute of the hard inquiry from my credit reports!
I applied for a loan modification and was declined for the reason " we're unable to verify your qualifying income ''. I appealed this and escalated this because my only income is VA military XXXX and XXXX social security. How hard is it to verify? I sent updated award letters and two months bank statements showing the deposits and that is it. This seems like it is discrimination against XXXX income " the bank discriminated against modification applicants on the basis of XXXX and receipt of public assistance in violation of the Fair Housing Act ( FHA ) and the Equal Credit Opportunity Act ( ECOA ). '' I spoke to a customer relation manager who claimed they have flagged my account as ineligible for review and the only way I could find anything out was to email " XXXX ''. I have a foreclosure sale date of XX/XX/18 and just found out about it a week ago. The attorney did not send notification as required by law. I have been through this process over and over and always received proper notification. So on XX/XX/18 I emailed a complaint and dispute and request for a reason why my loan is flagged " unable to verify qualifying income '' when my only income is military XXXX and social security? I have yet to receive a reply. I feel Bank of America is not being forthright in its servicing and discriminating against XXXX veterans.
Going back to my original delinquency which was during the time Wells Fargo was denying loan modifications in error causing people to lose their home between XXXX to XXXX. When I was first delinquent Wells Fargo had my loan coded for XXXX benefits but because I had been XXXX about a year prior and my XXXX had not kicked in yet Wells Fargo kept my loan in the XXXX servicing area in an office in California. The people there were very nice but told me I need to get that code off so I can be reviewed for a standard modification. At the time I was only 90 to 120 days behind. 

Well this took Wells Fargo about 4 months to correct and of course by that time I was about 7 months past due and I had no choice but the attempt to apply to avoid foreclosure. This was to happen over and over for almost 5 years. 

One review claimed I had been approved for a loan modification and the investor ( which is a mortgage backed security ) only allowed one modification. I was never approved for a modification. 

Once I saw the current News stories of Wells Fargo making errors I immediately knew this is what has been happening to me. 

I now have a foreclosure sale date of XX/XX/XXXX and Wells Fargo is no longer even attempting to offer assistance. I tried deed in lieu and was approved but they claimed at the end of the review after I was approved it would be cheaper for Wells Fargo to foreclose than offer assistance. 

It has been a nightmare for the last 5 years. In the process the VA finally finished my XXXX claim and I am now a 100 % XXXX veteran who did several tours in XXXX with the XXXX XXXX and survived. But the struggle with Wells Fargo has been tougher and I am asking for help.
Northstar Location Services , LLC, a part of The Northstar Companies, has telephoned my home looking for someone named XXXX XXXX # XXXX. I am not that person, I do not know that person, and that person has never used my telephone number since I have owned it for 25 years. In order for the unwanted telephone calls to end, I am required to telephone the company. I should n't have to do that as an innocent, uninvolved person.
I hired XXXXXXXX XXXX to perform a task for my business. I owed them {$400.00} in which was paid XXXX XXXX, 2017. I then begun to get multiple calls from Caine and Weiner a collection agency based out of California. I advised them multiple times that I did not owe any money to XXXXXXXX XXXX in which XXXXXXXX XXXX verified. However they are still calling me all hours and times of the day from different numbers and area codes. They also have put the charges on my credit report.