WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion recently sent postal mail to me ( dated XX/XX/2018 ) with incorrect info in the updated reports. There is incorrect information, information that belongs to someone else, AND old information that keeps reappearing or won't go away. I have repeatedly asked TransUnion to remove this incorrect, false, and outdated information, but they still have it there. I've called and written to them several months ago. At one point I am positive that the info was removed, but now it is all back again. The disputed information will be mentioned specifically in the section below. It is extremely dangerous to my person and identity as a consumer for this false and outdated information to continue reporting. This is also why I have repeatedly asked for all accounts to be verified and validated with proper original consumer contracts -- as the FCRA requires -- but they have yet to provide any. They are NOT supposed to just take companies ' words that an account is " verified '', " validated '', and " accurate ''. I've called and was even told that they do not have the documentation that the LAW REQUIRES. So, please tell me why and how they are still reporting these disputed accounts. They are not supposed to do this, and I am prepared to sue for damages done to my report thanks to their negligence in keeping unverified, invalidated info on my reports without taking in or providing to me a SHRED of viable proof.
i had a loan from texas auto brokersthen they sold the loan to mid atlantic finance companythen i get a call from XXXX that they have my loan, and can not reach mid atlanticso who do i send the next payment to? im kinda sick of gettin the runaround here and just want a definitive answer.
I just checked my credit score on XXXX XXXX and XXXX is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called XXXX to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.
This company keeps reopening accounts in my name. XXXXXXXX XXXX XXXX, XXXX, simply referred to as XXXX XXXX XXXX, is a U.S.-based bank specializing in credit cards. It has corporate offices in XXXX XXXX, Nevada. The bank is held by XXXX XXXX XXXX, a bank holding company registered in Nevada. [ 2 ] XXXX XXXX XXXX is a wholly owned subsidiary of XXXX XXXX XXXX, XXXX. [ 3 ]  As of 2017, XXXX XXXX XXXX services more than 7 million cardholders across the United States.
My credit report contains 90 % false information. the only accurate report is my Auto loan from XXXX. 

I have an identity theft problem since 2013, and ca n't seem it get the accounts removed.
The below information was also sent directly to XXXX XXXX on XX/XX/XXXX. I have yet to receive a response from them. When I called a few weeks ago to check in, the agent said my paperwork was " lost '' but that they found my fax and were working on it. I have been very patient but felt it was now necessary to report this through the CFPB. 

-- -- -- -- -- On Monday, XX/XX/XXXX, I was informed about an offer to add authorized users to my XXXX card. I was informed by several agents both with XXXX Customer Service and New Accounts that adding authorized users would not result in a hard inquiry for myself or the authorized users. Therefore, I went ahead and added an authorized user to my account. 

Later in the week of XX/XX/XXXX, I was notified that I had received a hard credit inquiry on my Transunion account. I am not ware if the inquiry posted to other bureaus, but I have attached selected pages from my TransUnion account as proof of the hard credit inquiry on XX/XX/XXXX. 

After learning about the hard inquiry, I contacted XXXX XXXX on XX/XX/XXXX to  understand the situation. Several agents again said they had never heard of hard inquiries resulting from adding authorized users. 

I am requesting that this hard inquiry be removed from my TransUnion account as well as from the other two bureaus, if applicable. I was directly informed by multiple agents on recorded calls that adding authorized users would not result in a hard credit for either myself or my authorized users.
American Credit Resolution inc. 
XXXX XXXX SR Account Manager XXXX Paid {$200.00} to this company because they were threating me. My wife thought she was paying a loan I requested but it was all a scam. How do I recover {$200.00}
I am continuously being harassed by a collection agency for a debt that is not owed. I was attending XXXX XXXX which was located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Which is no longer in business their doors was closed in XX/XX/XXXX. I have a Stafford Loan with the U.S. Department of Education with a remaining balance of XXXX. Which I have been paying since XXXX/XXXX/XXXX. XXXX XXXX submitted a notice to a collection agency National Enterprise Systems located at XXXX XXXX XXXX XXXX XXXX XXXX, Phone number ( XXXX ) advising them that I owe an outstanding balance of {$6100.00} not from my student loan, but from potential money they could have obtained, if I would have remained in school. XXXX XXXX dropped me XX/XX/XXXX one semester prior to graduating with a degree in nursing, stating that the funds they were collecting was no longer available. Stafford Loans Us Department of Education showing XXXX loans they XXXX were dispersed to XXXX XXXX on XXXX/XXXX/XXXX XXXX amount of {$3500.00} XXXX amount of {$6700.00}, there was also a submission of payment from the Workforce Initiate Act on XX/XX/XXXX in the amount of {$3400.00}, they also received Pell Grant money in the amount of {$2600.00}. I was not given any personal money. I am constantly being harassed by the collection agency for a debt I do not owe. I have never heard of collecting payments on services that was not received. Please feel free to contact me with any additional questions as required or needed. Thank you for your time.
A few years ago we re-financed our mortgage.This loan was subsequently sold to Wells-Fargo.We found ourselves over extended & filed Chapter XXXX in XX/XX/XXXX, signing to re-affirm our loan with Wells-Fargo.In XX/XX/XXXX , my husband became XXXX, so we lost his income until he was approved for XXXX ( about two years ) .In XX/XX/XXXX we were involved in an auto accident & I was injured.My income was lost for two months.My XXXX insurance did n't pay until after I returned to work.During all of these times, I contacted Wells-Fargo for help.They did a couple of " modifications '' which lowered the payment about XXXX dollar for a couple of months, then is would always go back up.They put us on a partial payment plan at one point until we got back on our feet, which was fine.I contacted Wells-Fargo subsequently, when things were going better for us, to re-finance through them.I was told that our loan was not re-affirmed in our Chapter XXXX, so they could not refinance.Since it was n't re-affirmed this loan does n't show up on our credit report.No one else will refinance because of this.We recently asked Wells-Fargo for our payoff and were shocked! Due to a large number of extra fees and interest, our payoff is more than our XXXX spoke to a realtor about the possibility of selling our home.Unfortunately, she valued the home at $ XXXX.Wells=Fargo shows our payoff at over $ XXXX.We are stuck with an underwater mortgage and a high payment & have no idea what to do.
My phone was used without my knowledge to send money to someone that I do not know through the XXXX   application. When I was made aware of this I contacted XXXX and informed them that this was fraud. I was told they would freeze my XXXX  account and that I should contact my banking institution because it is directly linked to that application. I called XXXX XXXX XXXX  and made them aware that this was fraud and they reverted the processing payments to make sure that I would not be charged. After having done that I assumed that XXXX   would do their due diligence considering the person who committed the wire fraud obviously has an account with them. To my surprise days later I received an email from XXXX that while my banking institution failed to fund the payment they covered it and I now owed them. It isn't like this was a small amount of money. It was 2 separate transactions totaling {$2900.00}. I did more research and they have a maximum limit that can be sent in a weeks time of {$2900.00}, so obviously this person knew this and sent just under the maximum amount allowable. On average I have about {$100.00} dollars in my checking account after I pay all of my bills and this is an amount that would destroy me financially. I've haXXXX XXXX for years and have never sent close to that amount of money to anyone. I've never disputed or reached out to XXXX   concerning a transfer that I did not authorize. Why would XXXX put me in debt with them for something that I made them aware of? Wire fraud is a felony and it is seemingly something that they do not take seriously.
In order to submit my application for a lease, the landlord required I use TransUnion XXXX platform to enable the landlord and her property managers to review my credit and background check. When signing up with TransUnion XXXX on XX/XX/17 I had to pay a small fee of {$1.00}. Without realizing, upon payment of the fee I was then automatically enrolled into a monthly subscription for an unrelated credit reporting product. It was not made plain to me that this {$1.00} fee was merely a placeholder for the subsequent {$19.00} to be paid XX/XX/17. After my confirmation e-mail regarding my successful set-up of my TransUnion XXXX account, I received an additional e-mail from TransUnion with no reference to the " XXXX '' application/account. I assumed this e-mail was spam, advertising TransUnion 's additional products since it did not include any reference to " XXXX '' and because it arrived in my inbox so quickly after the initial confirmation e-mail. TransUnion XXXX should be marketed as simply TransUnion credit reporting so that consumers can clearly understand what they are signing up for when merely trying to complete an application and have the necessary parties review their credit history. It should be made clear that when you are signing up to share your credit report with a landlord or property manager that you are not also being automatically enrolled in an expensive subscription service for products that should otherwise be free ( access to credit score is available for free on other platforms ). Notably, there is no mention of this subscription on TransUnion XXXX 's FAQ page : XXXX XXXX XXXX This is my fault but as my e-mail filtered out Transunion 's e-mails as spam and because I did not carefully review my credit card statement, I did not realize I was being billed for a product I did not want for over 18 months. I am still working on trying to cancel my account with TransUnion. It is not straightforward to do so online so I will likely call tomorrow to finalize my account closure.
Wells Fargo allowed an unknown fraudulent individual to open a checking account in my name without verifying or confirming their identity. I notified them and they assured me that they would complete an investigation in a timely manner ; however it has nearly four months since I reported this and they have failed to contact me. Not to mention that financial loss that I have suffered which includes my personal time. Additionally, the bank has been sending me harassing notices stating that I owe them money for the account being overdrawn which is illegal.
1 ) i notified XXXX that on XXXX, XXXX 2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.
I have disputed this collection account multiple times with no resolution. This account was discharged in a bankruptcy in 2012, but it is being reported as an open collection. It should be reported as a closed collection that was discharged in bankruptcy. I have asked numerous times for the status to be changed from open to closed and the only response I receive from Equifax is that the account belongs to me! I know that! BUT IT SHOULD NOT BE REPORTED AS AN OPEN COLLECTION! All other Credit reporting agencies have changed the status except Equifax! I have also filed a complaint against the collection agency for falsely reporting this account as an open collection.
Enhanced Recovery Company has not verified a debt they clam I owe, and they are not licensed in the state of CT to pursue any debt collection.
On XXXX XXXX 2008, I filed a petition for Chapter XXXX. I withdrew the petition a week later and made my own arrangement to pay off my creditors. I have sent several certified mailings to Equifax because they refuse to remove. XXXX removed after XXXX years. Equifax is stating that they are reporting correctly. They are not. I never went through with the BK and the statute of limitations is supposed to be XXXX years.
My address is : XXXX XXXX XXXX XXXX XXXX NC XXXX. 
My home loan is with XXXX, For XXXX 2017, I submitted XXXX payments as I change my method of payment. I had to stop the first payment and before doing so I called the company on first week of XXXX, after VERY LONG wait an agent told me it 's ok to stop the first payment, so I did. 
second payment with additional principal went through. One week later I received XXXX statement with additional fee. Again I called after 26 min wait time, another agent told me she is going to ask her supervisor to look into this and I will get an email. Two weeks after I have not yet received any communication and I 'm not able to talk to them via phone as wait time takes longer than 30 min. I do n't know if extra charge is for additional principal payment or stopped first payment. But I should not be charged.
I have been going through an uphill battle with Navient for a year now in regards to validating these student loans that appear under my ssn and partial name. They have refused to provide me with what i have requested. This leads me to the conclusion that they do Not have proper documentation to validate this accounts. Original signatures for all loans were not provided to me along with itemized account info and history to support these accounts. Navient has clearly went past their legal allotted timeframe to resolve my inquiries from 1 year ago. They simply keep providing me with incomplete photocopy signature of only half of the loans that are on my account. Furthermore, these accounts were said to have been paid off in full on the website under the login profile. They were paid by the XXXX XXXX XXXX yet you continue to peruse me for Double Payment. There is a lot of breaching of security and inaccurate, incomplete documentation that Navient is propagating at the expense of struggling srudents. We will not continue to be bullied. I will take this matter to the top until these accounts are removed as you have not validated them and they are adversely affecting my credit reports as they appear to have late payments which could not be substantiated by Navient.
Wells Fargo unilaterally closed my checking account, claiming that it is " dormant '' event though there are XXXX transactions processed through the account everymonth -1 ) deposit/transfer from an external checking account, and 2 ) withdrawalof payment for XXXX mortgage on my home, held by Wells Fargo. Wells Fargoprovided me with no notice, and cause my payment to my XXXX mortgage tobe " late '' because the payment could not be withdrawn from my now-closedaccount. When I called customer service they told me I need to talk to whoeverclosed the account, and after I repeated told them they were the ones who closedit, they transferred me to someone else, who told me I have no recourse, andwhen I asked for proof of any notice of my account closing, hung up on me.
I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau as a debt collector acquired my personal information on a medical debt that was sufficiently paid by my XXXX health insurance plan several years ago. The service date shows XXXX XXXX, XXXX, and suddenly I 'm sent a collection notice nearly five ( 5 ) years later. I demand an attachment on ownership or transfer on rights to attempt to collect a debt. Secondly, I demand a copy of the original thirty day ( 30 ) notice from the original creditor, and last I demand a copy of a 180-day notice that there will be no attempt to damage my personal credit report as mandated by the FTC-CFPB with all pertinent credit bureaus in fiscal year XXXX. A copy of said mandate is attached. This collection is highly illegal. Central Credit Services is neither licensed or bonded to attempt collections in the state of New Jersey. They acquired my information on a five-year-old debt that has already been satisfied through insurance. This company must close this file, cease and desist any further collection attempts from me, and purge my name from their computer base.
In my previous dispute with XXXX ( XXXX XXXX XXXX  credit card account ). I have previously disputed the reporting of this account with XXXX XXXX XXXX  and they proclaimed that the entry was reporting accurately on my credit reports. That is wholly untrue. In my previous dispute with them in XX/XX/XXXX, I informed them that they has not updated my credit report payment history since XX/XX/2018 with XXXX, XX/XX/2018 with Transunion and XX/XX/2018 with XXXX. I recently pulled my credit report and the only bureau that is current is XXXX ( see attached ). XXXX XXXX XXXX  has not updated XXXX sinceXX/XX/2018 ( see attached ) and Transunion sinceXX/XX/2018 ( see attached ). I am again requesting that XXXX XXXX ppdate my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
Transunion continues to report an inaccurate account status on a closed XXXX CARD revolving account ( XXXX ). As of XXXX/XXXX/XXXX this debt was cancelled by XXXX and reported to the IRS as income. The account status that Transunion is reporting does not reflect that the account is closed and paid in full without a remaining balance. I have been disputing this inaccurate information since XXXX/XXXX/XXXX and Transunion has failed to update with the correct information or delete the account since it 's closed and outdated.
I have made my monthly payments as scheduled and above the monthly minimum. The monthly Minimum was XXXX because I was on an income based repayment plan, and I have been paying {$2000.00} a month. I have applied for a higher minimum payment based on new income, but that is still in processing. I have not missed any payments. Navient reported to the credit bureau that I missed payments on XXXX loans. Two separate Navient representatives I spoke with agreed with me, and told me that if I sent in a copy of my credit report, and my payment history the marks on my credit report would be removed. After sending the information, Navient informed me that they would not remove the charge from my report.
I was a member of the XXXX in XXXX XXXX when I lived at the apartment complex that had their facility on the property. I lost my job and could no longer afford living there so moved from the apartment to XXXX. Before leaving i went to the office, told an employee what the situation was and left a note telling them I cold no longer afford the membership and was moving to another city. I did not get any sort of receipt nor was I told that this was not sufficient notice. 
Several months passed and as I did n't hear from them assumed it was done. Some time later they contacted me and demanded I pay nearly {$300.00} dollars claiming that I have not given them 30 days notice of my intention. They also claimed I had n't ever informed them on my desire to cancel. I called several times and left several messages. It took a long time to finally get talk with someone who was not even remotely helpful. I offered to print out a copy of the original letter but was told it would not be accepted because as they said, " How do we know you have n't just written it? '' I then offered to pay another month 's payment and mail them a new letter telling them I wanted to stop my membership. They refused to allow me to even consider this. I feel I have made good faith attempts to resolve this but no solution I have offered was acceptable. They have finally sold this account to a collection agency and I continue to be plagued by this. I am adamant that I will not pay any more than one single month payment. This seems to be a reasonable solution that a reputable company would accept. I need to have them either accept my offer or stop dinging my credit every month. I would appreciate your assistance in dealing with this. Thank you kindly, XXXX XXXX
A CD account was opened with XXXX bank in 1996. This bank was subsequently acquired by XXXX XXXX and then Wells Fargo. I am trying to recover these assets but Wells Fargo claims to not have the account or proceeds. I have also checked with the state of Missouri unclaimed accounts division but they have no assets for these account holders.
I did a dispute with Equifax with a Account that was CHarged off with XXXX XXXX XXXX and the Collection company and provided documentation that the account was paid. Equifax updated the information for XXXX XXXX XXXX and did not fix up the collection account as paid which documentation was posted on my dispute.
I just looked at my account and my {$9.00} and a few pennies overdrew my account and Bank of America charged me a {$35.00} fee. They refused to waive even though I have been a customer for 14 years and I think this is my XXXX overdraft I have ever had in my life. I find it both excessive and incredible that 1 ) they seem to think that charging a few more than XXXX the debit makes sense and 2 ) it is impossible to have a conversation with the CSRs because they only give the scripted answers and are unable to take each customer as an individual.
I contact XXXX XXXX on XX/XX/XXXX regarding my teacher cancellation form. The company then emailed me back stated, XXXX XXXX XXXX University transferred their accounts to UNISA as of XX/XX/XXXX and that my teacher cancellation forms were supposedly transferred along. However as of today that has not happened because the school in question has since been reporting negatively and stated they never received the forms.