WillisBack/dataset-financial-user-claim huggingface dataset:
There are XXXX accounts on my credit report which TransUnion is improperly reporting The first is a XXXX account which was good and in solid standing, Transunion somehow merged my credit report with another XXXX. 
This XXXX filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. Because TransUnion added this bankruptcy to my credit report, creditors of mine began closing accounts including XXXX XXXX. I have attached all my statements from XX/XX/XXXX and XX/XX/XXXX PROVING that my account was used and in proper standing. I DID NOT file a CHapter XXXX Bankruptcy. There is no way that if I filed a bankruptcy in XX/XX/XXXX, dismissed in XX/XX/XXXX, I could have continued to use my credit card throughout and up until XX/XX/XXXX. 
Additionally, TransUnion REFUSES to verify payment information with a former creditor XXXX. This creditor insists that they are reporting my account correctly, but refuses to verify the payment details and payment history. This account was NOT included in a Chapter XXXX bankruptcy either and in fact the first derogatory mark occurred in XX/XX/XXXX. The account should have been deleted from my credit report in XX/XX/XXXX. TransUnion continues to report this negative information on my credit report. I have requested the original payment history from the vendor and the credit bureau and they will not respond. They just keep sending me a transcript of " updated '' when in fact nothing has been verified or updated.
Reference ID : XXXX My account was limited on XX/XX/2018 with funds in it. Its been 180 days and funds is not released.Please adjust my account to withdraw funds. Thanks
BARCLAYS BANK DELAWARE has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe BARCLAYS BANK DELAWARE any alleged debt and would like them to provide proof of claim with authenticated verification. BARCLAYS BANK DELAWARE has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes. 

See Attach
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account ( Original Creditor : ) XXXX and ( Original Creditor : ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP
XXXX rental furniture picked up their stuff and was suppose close this account and I was not to be charged any other fee 's per XXXX I could even rent in the future if I needed to. Then why would this charge off be on my account. 
XXXX RENTS CHARGED OFF ACCOUNT XXXX INSTALLMENT {$400.00} XXXX {$400.00}
Hello, my name is XXXX XXXX and I've had a couple of issues since being switched over to XXXX XXXX XXXX ( XXXX ). Initially, I had difficulty in logging into my account when being switched over from my initial lender so I spoke over the phone with a representative to help me get everything set up. This also entailed getting the online automatic payments set up. Knowing that I would be out of the country in XXXX ( when the next payment was due ), I was under the assumption that everything would be drawn from my account and that I would have nothing to worry about. I come to know that my account was past due and that I had been reported to the credit bureaus. Upon speaking to representatives at XXXX today ( XX/XX/18 ), we have noted all of the above concerns on the account. Secondly, I both XXXX and XXXX have noted that I have 4 missed payments, yet there are only 2 loans and the only " missed payment '' that caused the case to be filed was for the month of XX/XX/2018. 

I have never missed a payment in my life and to see this all around the time I am attempting to be another home is quite troubling and concerning. I have submitted all necessary payments and made sure with XXXX that everything is now functioning automatically. Please take my entire history in considering the case, again I have been a model borrower, I have a mortgage and car payments that have never been late. Thank you for your time and consideration. I look forward to hearing from you soon.
On XX/XX/XXXX I made out a check for XXXX to a credit card company. I deducted from my check register. A week later I received 3 alerts from Chase bank, which I have if my account goes under XXXX. The first said I had XXXXless than what i had calculated. The next day was an alert was a charge for XXXX which I did make, but still lower than the amount in my calculations. The third alert came the next day, that it went up to XXXX in my acct, with no transactions or deposits made. I went to the branch with my concerns over these glitches plus the fact that it seems im being charged twice for the XXXX check. I was told to come back today after impending transactions could or would make the account current. Today the bank stands by their calculations that I only have XXXX in the bank. And I stand by my calculations that I am missing XXXX. I have checked and rechecked to find my error and I do not find one.
On XX/XX/18, I went to see my doctor because I had a XXXX XXXX XXXX XXXX XXXX around the XXXX XXXX of my XXXX and I was informed that I needed emergency XXXX  XXXX XXXX. I never went back home. On XX/XX/18, I had that same emergency XXXX XXXXXXXX XXXX and that same night I was rushed back to the emergency room because I had developed a very bad and XXXX XXXX   XXXX in my XXXX XXXX and I was XXXX larger amounts of XXXX than expected in my XXXX. Ive also lost an unexpected, alarming and unexplainable amount of weight since XX/XX/18. Combined with my other medical conditions and upcoming surgeries Im definitely not in a very good state of health right now. Til today Im still recovering. Since the morning of XX/XX/18, until now, I havent been able to conduct any of my regular personal or financial duties and Ive fallen into a bit of a unexpected temporary financial hardship but Capital One Bank 360 doesnt want to reverse any of the overdraft fees my Capital One Bank 360 checking account has received from XX/XX/18, to the present. I called in and even before I gave the Capital One Bank 360 800 customer service representative any of my Capital One Bank 360 checking account information, I quickly explained my health related information to the Capital One Bank 360 800 customer service representative and she quickly told me that health or medical related issues, even emergency life threatening ones werent considered bank related errors so that she couldnt fully understand nor comprehend why I was calling Capital One Bank 360s 800 customer service in regards to the overdraft fees, my Capital One Bank 360 checking account had received from since I fell ill on XX/XX/18, to the present. I got so upset that I just hung up on her. Part of my XXXX XXXXXXXX was cut into and removed, Im still XXXX heavy XXXX in my XXXX, I now have a XXXX XXXX XXXX in my left XXXX, Im in a lot of constant pain and always very weak. I can hardly think, walk, talk, sit, bend, eat, lay down, stand or use the toilet. Im basically bed-ridden and the Capital One Bank 360 800 customer service representative was giving me a very heartless and careless felt insulting hard time even before I gave her any of my Capital One Bank 360 checking account information. When I spoke with both my attorney and medical case worker during a conference call, my attorney and medical case worker quickly directed me to file this complaint and my medical case worker also quickly reached out to several consumer protection groups and two of those consumer protection groups in particular have informed her that theyre going to send each and every medical establishment Capital One Bank does any form of financial business with my story. Yesterday afternoon my attorney and medical case worker called me and they conferenced me in with more than five different investigative units of several national and local news media outlets, the media outlets all wanted to know about all of my medical conditions, future surgeries and the Capital One Bank 360 overdraft fees in question here.

Ill also be faxing all of my supportive medical documentation and this complaint to your offices at CFPB.
I have had a Macy 's department store credit card for many years. When we moved locations, there was no Macys store. We put the cards in a file to store. We sent a letter to all creditors stating the address change in XX/XX/XXXX. We had the USPS change forward our mail to our new address in XX/XX/XXXX. We were listed in the phone book correctly. 
While on a trip to an area with a Macys, I bought some candy. I was asked by the clerk if I had a Macys card for a discount on the candy. I told her I did n't have it with me and she said she would look it up and charge it. I said okay. This was XX/XX/XXXX. 

I never received a statement, a phone call, a letter or anything reminding me I owed Macys 's {$35.00}. Not until XX/XX/XXXX, after a security breach at a business, where I checked my credit reports, which I do about once a year. I saw that Macy 's indicated I was owing them {$45.00} total and the account was Charged Off. I immediately made contact, paid the full balance, explained the situation, was told to send a letter explaining the circumstances, and requested my account be reactivated. I was a great customer in the past, had a perfect credit history, and a near perfect credit score. However, Macy 's had decided to hold fast and totally ruin my credit rating, score and personal character. This is affecting my insurance rating, my credit worthiness, etc. All for a measly {$45.00}. They simply do n't value a customer.
Ally 's so-called " XXXX is a total rip-off! They falsely advertise that 'your rate goes UP if/when the Fed raises rates ''. They are LIARS! In 4 years times I was to receive rate hikes when The Fed raised rates - which The Fed did - twice. The first time The Fed raised by 0.25 % I was given only 0.04 %! The second time I got NOTHING except a snot letter from Ally that rates are 'raised solely upon OUR choice ''!
Re : Complaint U S BANK - Case # XXXX I received the response of the US BANK thru mail. 
It is worth noting about the CHANGES made in my MOBILE BANKING Statement of XX/XX/2017 after I called US bank Customer Service that I reported the Case / issue above to the Media. 
Before calling US BANK Customer Service I communicated to the US Bank Manager XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX,  CA and CONFIRMED that the MONEY in Dispute was NOT Yet credited to my account. 
Both of us went to the XX/XX/2017 Bank statements and had the same Verdict NOT YET CREDITED ... 
I was told by the US BANK Customer Service to speak again with the Manager because he will talk to him ... 
So I did and after XXXX XXXX had LUNCH on the same day ( above ) I spoke with US BANK Manager and Customer Service and got all my 2017 bank statements printed out. 
The demeanor, facial expression and tone of voice of the US Bank XXXX XXXX XXXX had changed .... mad and somewhat under pressure. 
Then he ( manager ) gave me the CHANGED VERSION of the XX/XX/2017 Bank Statements and said, ACCORDING TO THEM THEY ALREADY GAVE BACK THE MONEY.,,, I Stated, BUT YOU AND ME KNEW PRETTY WELL THEY DI D NOT. 
The people in this mentioned above location were friendly, goes to extra mile to help and honest ... the dilemma in this predicament started at their own FRAUDELIENT TEAM and Customer Service. 
Before the issue reached the US bank President, the problem had has already been GREATLY MODIFED to Cover the Tracts.
In 2007 my son was trying to secure a private student loan from XXXX XXXX XXXX ( now defunct ). I agreed to help and signed papers to authorize a credit check and a master promissory note, which did not show any interest rate, fees, etc. A week or so after that, I received aFederal Truth in Lending Disclosure. Up to that point I had NO knowledge of the interest rate or total Finance charges. Once I received it, I refused to sign it due to the extraordinarily high interest and fees. My son contacted XXXX immediately and told them that I would not approve it, but they told him that he could proceed with the loan without my approval, which he did and received a check made out to him ONLY ( unlike a private student loan, which I DID co-sign ). 
Since then my son defaulted on the loan and my credit has been ruined by the loan administrator, American Educational Services ( AES ), who have perpetuated this fraud by XXXX. 
I have done everything I can to get this issue resolved on my own and need help. 
The note was initially handled by AES and I received copies from AES of all of the materials involved including the Federal Truth In Lending form WITHOUT my signature. At this time AES has informed me that ownership of the has been transferred XXXX XXXX ( aka, XXXX ), but I can not even verify this as my dozens of requests to that organization have been ignored. 
I need my name removed from this note as a co-signer as I never agreed to the terms of this loan.
Equifax is showing is a collection account from  XXXX   XXXX  on my credit that continues to be a hindrance to credit health. The account is incorrect and a violation of my rights under th e HIPPA laws. I have no idea who this company is, nor have I ever had a contract with them. I am concerned about this being on my credit rating. I feel that this is incorrect and needs to be addressed in such a way as to not allow these items to be on a persons credit.
I took out federal student loans such as direct unsubsized, direct sub stafford loan, federal plus loan, direct unsubsized consolation loan to attend the XXXX online. I also cosigned a direct parent plus loan for my daughter to attend the art institute and institute of audio research. I consolidated the loans with the intention, of attaining lower affordable payments. My loan is with Fedloan Services with the U.S. Department of Education. Fedloan informed I am only eligible for the income-contingent repayment with monthly payments of {$1700.00} per month. I explained to them the payments are too high and my husband was not working at the time. When I asked them to recalculate my monthly payments they reduced to only {$700.00} which is my whole paycheck. I explained to them that I have other bills to pay. Again I tried to negotiate a lower payment, but the servicer wo n't negotiate. I have been paying what I can, but I still can not reduce any of the principal on the loan due to the interest compiling everyday. Currently, I am in forbearance because the payment amount is unbearable. I appreciate you assistance in this matter.
This information the XXXX XXXX XXXX XXXX is reporting on my credit file is not my bill or account this has been on my credit for 5 years and is affecting my credit by law its is not right to report false information on my credit report by law I will sus this company if this is not removed this is Fraudulent That this company can do somethings like this
My spouse at the time, had a car accident and had recieved medical services from a XXXX XXXX XXXX XXXX. In XX/XX/2013 XXXX XXXX XXXX placed a collection notice in my name on the 3 credit reporting agencies. I disputed what was in my credit report with XXXX but they said they investigated it within 10 days and said their reporting was accurate and provided no information to prove their decision even after I informed them the debt was not mine.
trying to withdrawal money from TD Bank , NA only to find out they are saying theydo not have signatures on file for our company ( owner of the account ). i sent backletters telling TD not to close the account but they closed anyway. They do haverecord of receiving those letters. They are saying they XXXX the money to PA. 
PA has no record of that money. Just want to get our money out of TD Bank andinto our other accounts at another bank.
I have attempted to obtain information from XXXX XXXX, XXXX several times. I have attached the multiple correspondences to this company and have yet to receive a response from them. The only communication received is when I entered a complaint with CFPB previously and in return this company failed to supply what was requested. 

I am requesting : A copy of the notification letter indicating the accounts above were purchased by XXXX XXXX as well as the effective date of the XXXX XXXX assumed ownership Copies of all statements and communication related to the listed accounts from XXXX XXXX Copies of documentation that supports the reported payment activity being reported to the credit bureaus A copy of the Notice of Default/Right of Redemption to include the outstanding balance, fees and the deadline to redeem the loan. 
A copy of the Notice to Sale A copy of the Post Sale Notice to include the accounting
I had a XXXX cell phone account in XX/XX/XXXX. I moved in XX/XX/XXXX to a different address in the same state. I did not know that I had a residual balance on my account of XXXX cents. Pinnacle Credit Services , LLC reported this account to both credit reporting agencies 2 months ago and this account is showing up on my credit report as a open collection. I tried to resolve this through XXXX XXXX disputing services to no avail. I did not contact this company or make any payments to a collection company on this account. I received a letter from Pinnacle Credit Services which I am attaching in which they admit and I quote that " Because of the age of your debt, Pinnacle Credit Services , LLC will not sue you for it, and Pinnacle Credit Services will not report it to any credit reporting agency. '' They already did that 2 months ago! So they are still asking me for money and if I do pay it will be on my credit report as a closed collection for another 7 years! I would appreciate any help before I seek legal counsel. I am trying to buy a house and will not qualify for a bank loan with this on my credit report. Their dishonesty is costing me a home loan.
On XX/XX/XXXX & XX/XX/XXXX I sent letters to all three credit bureaus asking for them to investigate multiple fraudulent accounts on my credit reports as I have been a victim of identity theft. In addition, I sent them a copy of my police report from when this theft initially occured to verify my statement. These accounts show different addresses other than my own where I have resided as well as different social security numbers other than my own, I am aware of this information because when I called these companies myself they were unable to verify me by the information that I give which is my natural information ( D.O.B and or Social Security Number or Address ) other than my name. They would say that this is not the information that they have on file and say that they can not discuss the account with me yet these accounts appear on my reports.
The only thing that has been done is the police report has been uploaded to my file and nothing else. No investingation, no accounts have been removed. These accounts are effecting my credit score tremendously and my letters are being completely ignored. Not to mention that they also have an old tax lien on my report that has been settled for sometime that I also sent them documentation of. My credit report is not locked as it should be ( with the exception of XXXX and that was due to their data breach and not my police report and identity theft ), when I speak to the representantives about this feature they say that I am not eligible for it unless I pay for it. When I know that I am because I was told previously that I needed to have a police report on file to qualify ( XXXX ). 
They continue to re-report these same accounts overwhich is continually effecting my score in a negative way. So I am now constantly being victimized except now this time by the Credit Bureaus as well as the people who stole and sold my identity.
None of the above describes my issue, so I simply chose " Talked to a third party about my debt '', however I did indeed have to speak with XXXX different companies in this process. XXXX, Square Two Financial, and Cach llc. 

My complaint is their violation of the terms of our contract. A written contract as well as specifics written on the check were sent to the company via certified mail. The contract explicitly stated that cashing my check was an agreement to delete the account from all three credit bureaus, or as many as are reported to for this account. Also noted was that if that was not acceptable, they should return my check. The check was cashed, however, the reporting has continued. I have all the documentation, including a copy of my check and the contract as well as the certified mail reciept from USPS. 
When I spoke to them they explained that they did not even take the time to review and had apparently lost record of this. Not only did they violate the terms, but their negligence seemed to them, apparently, to be reason enough for the violation.
On or about XXXX my capital one credit card was charged XXXX for lodging that took place somewhere in the USA. I was not in XXXX during this time period ; & provided capital one proof of my time out of the country. My proof included a copy of my passport stamp from that time period, which showed that I was in XXXX during this transaction. 
Capital one gave a temporary credit & subsequently reversed the credit on XXXX. Capital one still has not resolved this issue. I would like your help in resolving this issuethanksXXXX XXXX
On Friday XX/XX/XXXX I contacted loan XXXX XXXX XXXX with Profund Mortgage LLC in XXXX at XXXX to refinance my mortgage.He gave me a verbal quote and said to make loan application on line which I did.His quote was as follows : loan balance of {$190000.00} with 2.75 % for XXXX year term with no lender fees. 
XXXX told me he had over 10 years of experience in the mortgage industry. 
On Monday XX/XX/XXXX I follow up with XXXX but he was sick. On XX/XX/XXXX I provided him with all information he requested including tax returns for 2 years, insurance, bank statements for 2 years etc. He send me the loan estimate with the above terms as promised. 
On XX/XX/XXXX XXXX sent me the the loan estimate and other documents to sign electronically.To my surprise the loan estimate to sign were different than the original one. 
The new terms were as follows : loan amount had been changed to {$190000.00} and lender origination fee was now {$3300.00} instead of zero. 
Once I contacted XXXX he immediately changed it to the original terms and said it was a " computer glitch ''. 
On XX/XX/XXXX I provided XXXX XXXX with my credit card information to charge the appraisal fee. 
On XX/XX/XXXX XXXX XXXX called to notify me that he could no longer do the loan with the terms already signed and rate locked on the loan estimate. He then referred me to his XXXX XXXX XXXX who basically said the same thing. 
They could now offer me a new loan with a higher interest rate with no lender fees. 
What is a written loan estimate worth if no one is holding the lenders firm to their commitment? 
My personal situation did not change in those few days. My XXXX XXXX is XXXX, loan to value in the property is 50 %, great income with no debt. The ideal borrower. 
How can a lender do business like that? I call it bait and switch and this should be taken seriously. I would stay away from this unscrupulous lender.
My credit report was provided to XXXX XXXX XXXX without my approval. I 've asked the dealership several times to reverse the hard inquiry without success. I need the inquiry removed immediately!