WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion has not provided results for disputes I have requested to investigate. I have provided all requested information they need to initiate results. They have sent me 4 letters now denying my disputes.
I feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue
1. The credit reporting agency is continuing to report Consumer Reporting inaccurate information on my credit report, 2. your company does nothing to fix it I want to go meet with the CFPB to see what you do to get this Inaccurate Information and illegal handling of my information stop. 
3. Do you feel you can just allow these XXXX credit reporting company to continue to lie to you and I and I 'm going to say oh well? 

4. I am not going to keep filing disputes when they go to a blind ear. 
5. I want someone to contact me about how they will proceed to get this fixed within the 30 days. If I do not here from you or someone who has authorit7y to make the XXXX credit reporting company report the correct and accurate information on my credit report. I will come up to your office own my own time to get it resolved. 
XXXX
In XX/XX/XXXX I discovered that XXXX XXXX XXXX XXXX was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out. 
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & Experian so chose to wait until I was able to pull & print my annual report & write them then. I contacted Experian & XXXX   by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, Experian reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from XXXX.
Each weekend on both Saturday and Sunday the law firm Arnold Scott & Harris bombard my phone with incessant calls attempting to speak with someone that doesn't live here. I have informed them of this on several different occasions but yet they continue to call.
On XXXX XXXX XXXX accounts with Blitt and Gaines I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.
Hello and first thank you so much for helping assist me with this matter. 

XX/XX/2017 Was what I believe was the 2nd or 3rd time I challenged this which I have the certified receipt when I mailed them the letter about this matter. 

It was for the credit card that was {$300.00} that I PAID OFF IN FULL I have truly tried for months to have Wells Fargo correct the status of this credit card from Late to Paid or Paid Charged off ... =- ( the other 2 bureaus completely removed it from my credit. However they are still reporting it on my XXXX as a derogatory remark and its causing me to be denied over and over again. Its hurting my heart! I really am trying to get this taken care of.my credit that I may take out a loan to start my new start up that I am working on. However this has been for months which I have letters of them saying I paid it off and to send that letter to XXXX which I have done sent them a copy to have them remove the comment from Late to Paid, I also have sent XXXX   letters in the form of challenging the remark and they come back to say its correct which I am 100 % sure it is not. I admit when I was in my 20s I did a bad job keeping up with the account after loosing my job with XXXX. None the less I took responsibility and paid it off last year yet they keep reporting that it is Late when it is Paid off!! If you can see my payment history it is 100 % on all 3 credit bureaus. 

I humbly am asking that someone please help me get them to either remove the file all together off my XXXX credit report or Please say its Paid and or closed =- ( I done this challenge process maybe 3 times with them from XXXX as well as them ( Wells Fargo ) directly.
To Consumer Financial Protection Bureau, I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XXXX/XXXX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. The promotion was set to end on XXXX/XXXX/2016. Not knowing if I was indeed targeted for this promotion, I was not sure if my application might be approved. Hence I had confirmed via chat with a Citi Bank representative named XXXX on XXXX/XXXX/2016 that the application will be processed, and that I qualified for the bonus offer of XXXX XXXX points upon meeting the promotion requirements : Within 60 days, complete a purchase of { {$1000.00} } or more with your Citigold Debit card and perform XXXX or more bill payments for XXXX consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via phone Citibank to confirm this and to inquire when to expect the points to be posted. During this conversation, a service request was logged by customer services to open an investigation ( reference number XXXX ). On XXXX/XXXX/2016, I received a formal letter from XXXX XXXX, Director, client research, informing me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. See attached letter from Citibank. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was for this promotion. I anticipated to use the points to plan for a vacation. I am requesting Citi to honor the set promotion. If I was indeed not targetted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. Attached Screen capture of chat with Citi representative during my conversation before opening the account.
This account had originally been around {$4000.00} (? ). My husband had been helping with this payment for while at an agreed upon {$150.00} every month. He then stopped helping me and we do not share an account so I do not have access to any money other than what I receive from XXXX ; which is n't enough to pay my bills. I have not been able to work since XXXX 2011 due to multiple debilitating health issues including XXXX. I tried to explain this situation to the hospital via phone and in writing. I continued to make payments albeit not every month, but I told them I could pay a much smaller amount then the {$150.00}. I expressed that I was concerned about the situation and that I wanted to pay it off so they could receive what was owed and I could protect my credit. After my last note to them I never heard anything for months. I was n't sure what was going on and I suppose I optimistically and foolishly hoped that perhaps they wrote the account off since at least XXXX had been paid and also due to the difficulty of my situation. I had testing done the other day at the hospital and while scheduling this over the phone this was mentioned. I attempted to explain the situation again and was told I could set up plans to make a new payment plan. Instead, I found out through XXXX XXXX that I had been turned over to collections. I do n't really fair this was fair as I was trying to work with them, but could n't afford to pay what they wanted to my financial, marital, and health situation. I did not see any notice indicating I was being turned over to collections. and this was going on my report.
XXXX XXXX XXXX  did not protect my personal information, as a result the account was duplicated, stolen and charges exceeding the credit limit were made. Despite of talking to XXXX XXXX XXXX as well as with all major credit reporting agency, they continue to report delinquency and late payment on my credit report. I contacted all three major credit bureau and they removed the negative information, however this year they started to received and report negative information on the same account. 
I want all three credit bureau to stop and remove the negative information from my credit profile, this is affecting me in every aspect of my life and want the credit bureau to remove the lateness reported by XXXX XXXX XXXX.I am disputing the charges because i did not made them.
When i pull up my credit report from a website that pulls reports I noticed some things that were not mine. i went to call and no on e would realy help then i sent the credit bureaus my letters to dispute what they were reporting. Got a couple things that were fraud removed but they kept some of the other sutff. I pulled my credit first because I was really wanting to buy a new house in the next year. mortgage place did tell me to contact the bureaus and did n't really work or do anything. also police didnt really want to help unless i knew who did it. I dont or I would go see them to asnwer for this. thank you.
I contact chase bank to do a balance transfer to pay off my other credit cards and they are unable to do so and they told me that the promo is discontinued on XX/XX/XXXX and I have to wait for long time do so and Im little behind on my other credit cards bills and I would need to do a few smaller transfers and I will pay the interest along with it and chase refused to honor my request
My wife is XXXX and I am XXXX years old ; we are forced to leave our home by XXXX XXXX, XXXX. The finance company that bought the mortgage has refused to refinance our mortgage ; they mislead us and dragged us along since XX/XX/XXXX. We have been requesting them to refinance the mortgage at the current market price since XX/XX/XXXX ; they played us and kept on asking us to provide paperwork package, we have done what they asked for approximately XXXX times and every time they led us to believe that they will refinance if we submit the paperwork. The only response we got from them, every time we submitted, is that the paperwork is not complete. They never said what was missing regardless to our repeated inquiry of what was missing - they never answer that. They asked us to resubmit again and again, but to no benefit. And now we are going to be on the street ( literally on the street ). My wife and I have always been hardworking couple and we are still working till now. Please allow me to emphasize once more, my wife is XXXX and I am XXXX. We both in good health. We bring in sufficient income to be able to keep our home if they give us our right to refinance the mortgage at the current market price. 
So please we need help ASAP - we will be thrown out of our home by XXXX XXXX, XXXX. 
We solicited legal assistance from an attorney, who also saw no reason for the finance company ( the mortgage holder ) not to refinance the loan and keep us in our home, which we lived in since XXXX. 
We urge your help ASAP - Please .. Please .. Please. 
Thank You,
I have private loans ( over $ XXXX ) with Navient for my XXXX. I have been enrolled in school for 2 years ( a XXXX program with XXXX XXXX since XX/XX/2015 ). I requested that Navient put my loans into school deferment. It took approximately one year for them to do this. In that year, my loans accumulated, my past due payments continued, my credit was effected, my phone and my family members phones ( including XXXX aunts and XXXX uncles who are not on the loan ) were harassed multiple times about my loan. I had countless ( over 10 ) phone calls lasting sometimes over an hour long trying to manage this and change this status. I faxed documents of my in school status countless times. I spend a very long time on the phone multiple times trying to obtain this status. XX/XX/2015 I was told I was in school forbearance and had NO payments due. I was told they were updating my online system and not to worry. I asked for payments that my status be back logged to when I actually started school ( a year ago ) so that payments that were made could go to my principle. I was told they would look into it. Within 3 months, despite me still attending school, the phone calls started again, I had past due payments in my account again and my family members started receiving calls again. I was told the in school status was not correct, that I still had payments due. I work full time and go to school full or half time ( depending on the semester ). Managing the account with Navient has been a full time job that I can not afford to have. I would spend hours each day arguing with the members about my status that It became too much of a hassle and I stopped trying.
As of XX/XX/XXXX a background check was performed by First Advantage and it states that XXXX County Magistrate Court has a file on me back in XX/XX/XXXX of a paid debt for a check. However, it caused me to loose a job opportunity. The background check was ordered on XX/XX/XXXX and was not completed until XX/XX/XXXX. I was denied the job opportunity for a paid debt that both of these companies did not remove from my account. I never went to court for this debt and paid it prior to any judgments.
I have tried several times to remove a checking account and debit card from my Paypal wallet. Every time I try to remove either, I receive these errors : " Sorry, you ca n't remove this bank account because of a pending transaction. Please try again later '' or " Sorry, you ca n't remove this card right now. Please try again after all transactions have been processed. '' There are no pending transactions, and my last transaction was over XXXX weeks ago. 

I have been trying to XXXX out this checking account in order to close it. I added my new checking account to my Paypal wallet, but the automatic payments I have set up through Paypal charged the old account, resulting in my bank charging {$70.00} in overdraft fees. 

According to the Paypal Community Help Forum, this is a common problem and several on this thread have theorized that it is in Paypal 's best interest to make it as difficult as possible to remove your accounts from being associated with Paypal : https : XXXX
XXXX XXXX XXXX, NATIONSTAR, XXXX AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.
I settled the accont with XXXX XXXX for XXXX dollar pleases let them show my account as settled
My information was part of the XXXX and XXXX data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.
A company I hired to do business for me did not deliver the promised product. I disputed with my credit card company and instead of handling it as a dispute they handled it as fraud. Refusing to handle it as the dispute I had filed. I checked today and they still show the dispute open. I found out that Citi has a habit of handling a disputed charge as fraud in order to avoid giving the consumer their money back. This is not right. On XXXX Citi acknowledged that I filed a dispute ( attached ) and today they still show this dispute open ( also attached ) I only attached the information for the {$4200.00} but also have all the documents for the XXXX {$700.00} charges, which they also mishandled and not in a timely fashion. I filed disputes in XXXX XXXX and in XXXX XXXX you will see they were still open ( attached ). XXXX lady told me they had sent the money back to the vendor and I would never see my money because Citi made a mistake. PLEASE I BEG YOU if you need anymore documents PLEASE let me know - I have hundreds of pages showing they handled by dispute improperly and I can back up everything I am saying in the letter I did attach and more.
XXXX XXXX, a collections company, has been calling my business after have been advised multiple times to cease calling my company. The person identifies himself as either " XXXX '' or " XXXX '' however they are the same person. There is a dispute between how much I own XXXX  XXXX and XXXX XXXX is attempting to collect the debt. My administrative assistant has advised them to cease all calls to this office. They continue to call using threatening language. I have recordings of all calls. See below times and dates : From : ( XXXX ) XXXX NA Today XXXX Phone Call Accepted XXXX Voice To : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX VoIP Call Call connected XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Wed XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Voicemail XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Fri XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Thu XX/XX/XXXX XXXX Phone Call Missed XXXX Voice From : ( XXXX ) XXXX NA Mon XX/XX/XXXX XXXX Phone Call Accepted XXXX Voice From : ( XXXX ) XXXX NA Tue XX/XX/XXXX XXXX Phone Call Accepted XXXX LegalPrivacy XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX. 
All rights reserved. XXXX and the XXXX logo are trademarks of XXXX, XXXX.
I have sent in several disputes and FTC Reports to XXXX, TRANSUNION AND XXXX. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS XXXX. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Jewelers XXXX XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX XXXX. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX  XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
I vehimately disagree with the Synchrony bank rep who researched my complaint about the XXXX XXXX interest charge of {$250.00}, which I was supposed to get along with the other XXXX interest charge. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!
On XX/XX/XXXX I responded to an advertised balance transfer offer on the Citi 's website, which I use to monitor and manage my Double Cash Credit Card account. The offer was for 0 % percent interest rate on balance transfers until XX/XX/XXXX ( the website advertised that the offer would be expire on XX/XX/XXXX ). I followed up with Citi this morning to confirm that the balance transfers were approved under their advertised offer. In two separate conversations ( one via chat and the other over the phone ), I was informed that the balance transfers were done at the typical 24 % rate and that no 0 % offer on balance transfers were ever offered to me. In my chat conversation, I asked that the my balance transfer request be cancelled and was informed that it was too late as the checks had been cut. After confirming this issue over the phone with Citi, and confirming the balance transfers were not executed under the 0 % interest offer, I closed the account but was told I could not pay off the balance as the balance transfers were pending.
On XXXX XXXX 2016, Citi Bank closed all my credit cards unexpected and about XXXX thank you points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fees on multiple cards and just lost all benefits I should enjoy upon the account closure.
EQUIFAX ONCE AGAIN IS BIAS AND SHOW FAVORITISM WITH INVALIDATED COLLECTION AGENCIES. DELETE THESE ITEMS OR BE SUED IN CLASS ACTION AGAINST EQUIFAX, XXXX XXXX   AND XXXX XXXX XXXX.
I was released from XXXX XXXX XXXX,2016 and upon my release I am trying to get my credit together. Upon recent of my report I see I have inquiries in my report which is impossible becuase while in XXXX you can not apply or have credit so thes inquiries are not mine. I should not have any inquires in my file. I sent over all my documentation including my id from XXXX which proves I was just released.
I was not notified of the attempt to collect on the debt. I recently found out about it when I looked into my credit report. I called the agency & they stated that they did not have my apt number & that the letters were returned back to them. They obtained my cc # from me. Also this was a car accident had I known about the bills I would have submitted them to my car insurance to cover them.