WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted Transunion online as part of my free credit report for the past XXXX years to obtain a copy of my report. Transunion says they can not accurately ensure my identity, and this year it says I have an open dispute so I can not get my report from them. Why can the other agencies give me my report XXXX and XXXX with the same information I provide to Transunion. Transunion is not releasing my report unless I give them money. I want a copy of my report from Transunion, so I can see what it says.
Capital One Quicksilver credit card advertises 0 % interest rate on balance transfers, with no mention of a time sensitivity or deadline for this new account offer. After my approval for the new card, shipped to me XX/XX/2018 and received XX/XX/2018 I was informed that the balance transfer option was not available to me, and supposedly that offer had ended XX/XX/XXXX, after my card was approved. 

I called and talked to customer service, asking to complain. I was put on hold for a second time and my call was not transferred to a manager in a reasonable hold time. 

There is no email listed for consumer complaints. 

I emailed the card president with an email address that I researched and deduced, XXXX XXXX listed on corporate web pages.
We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... Chase Mortgage refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on Chase 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX,  Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! Please help!
In XX/XX/2009 a IRS tax lien was applied to my property, and has since been paid.
I worked with a debt collector to settle an account which i paid off. The debt collector reported to experian that the account has been paid. But when I requested that this account be remove, it was denied. The account is hindering me from finding a place to live for myself and my child. The response i was given was that the debt will remain for 7 yrs. But over the last two months i have paid off three other debts and requested the also be removed with no problem. I dont understand why sum debts can be removed and others even if paid remain no matter how detrimental it is to my wellbeing. Ive worked really hard to correct my past mistakes with my credit and have built a XXXX score from a XXXX score just a lil over a yr ago. I would appreciate any help if possible with getting this paid off debt removed from my credit report
They wo n't send in writing what I owe? Send me in writing what I owe, rather than report it to the credit reporting agencies.
They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.
I requested my current mortgage servicer, Nation Star, to remove our PMI insurance. They refuse to remove the PMI. XXXX weeks ago I completed paperwork to request the removal, but according to my loan docs it was supposed to be automatically removed on XXXX/XXXX/2015.
I was a cosigner on a vehicle lease. Apparently the lease vehicle was returned by the person who was leasing the vehicle and a payment plan was set up with Ford Motor Company credit to pay the difference. I was never informed that this action was taking place or that there was any danger of a collection account showing up on my credit report. As a cosigner I was given no opportunity to intervene prior to this being reported to the credit agency. Further I was never notified that this was reported to the Credit Agencies. According to the person that I co-signed with Ford Motor Company gave the impression that no credit action will be taken so long as payments are made on time per their monthly payment agreement. Therefore the person whom I co-signed for felt that there was no issue to worry about.
XXXX groups of loans were reported, accurately at the time of their reporting, as delinquent for 180+ days to credit reporting bureaus. A deferral was granted subsequent to the reporting which was retroactive and for a date range which included the original delinquencies. The loan servicer ( Nelnet ) refuses to update the past postings to reflect the retroactive deferral. Around XX/XX/XXXX, I initiated disputes with the XXXX major credit bureaus citing the dates of the deferment. Nelnet determined their reporting to be accurate and made no changes. On XX/XX/XXXX, I sent a dispute to Nelnet, in writing, which specifically referenced an interpretation letter by the FTC in which loans what were reported accurately, and then subsequently deferred, were to be updated ( even in cases where the reporting was accurate at the time ) to reflect accurate information ( such as dates for deferrals ). Nelnet informed me on XX/XX/XXXX that they were still unwilling to update their past reporting to the credit agencies regarding the status of my loans. I feel that their unwillingness to update the reporting is in direct conflict with the FTC 's interpretation of the Fair Credit Reporting Act, which charges furnishers of information with providing " updated and accurate information ''.
Leaving harassing messages on my cell phone, work phone and my mother-in-laws phone about a debt I do n't know about. Telling me this is my final chance to resolve this issue. Never received anything in the mail regarding this debt.
On XX/XX/2018 I opened a checking account at Huntington bank online, going through their promotional link XXXX XXXX   XXXX ( not available anymore ). The rules of the promotion were as follows : Receive a bonus of {$300.00} when you open a new Huntington 5 checking account and make deposits of at least {$2000.00} into your checking account within 60 days of account opening. I satisfied the requirements but didn't receive the bonus after 90 days as they promised. 

Upon contacting the bank, I was told that my account doesn't have any promotion attached. They refuse to pay out the bonus. Even after referring to above link, they wouldn't help.
I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX   XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX  is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged.  that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork **XXXX XXXX XXXX is showing collection charge off, but they were paid. I have included proof to show my balance was paid
XXXX XXXX XXXX XXXX claims I owe on an old XXXX account. The account in question does not exist. They have my full ssn and are threatening to report to XXXX tonruin my credit. They call daily and harass me.
About 2 weeks ago, I submitted an application on XXXX to be connected with companies who could offer me an Auto Refinance Loan. I ended up deciding to wait a while for my credit to get even better, but I wanted to warn others about the tactics used by RateGenius.com. 

I was called today at work by who I assume to be XXXX XXXX @ Rate Genius. I am making this assumption because I was emailed at the same time as called by Rate Genius, with the sender being XXXX XXXX. 

XXXX informed me that they had preformed a " hard pull '' of my credit score, as well had all 10+ (  or more ) affiliates that were notified of my application at XXXX . To be clear, these are not words of warning about XXXX. Of course, as an informed person, I knew this to not be true, as XXXX would not have a viable business model if they destroyed the credit of every person who uses their service. 

I was taken aback by the call, and so decided that I should report this employee to the company so that they could retrain this person. 

I spoke with " XXXX '' over their live chat service available on the homepage of RateGenius.com. I have screen-shotted the entirety of the conversation, and am attaching it to this report. Instead of apologizing and promising to retrain the confused employee, as I suspected, instead the representative DOUBLED DOWN on this. He claimed incorrectly first that XXXX authorizes it's affiliates to run credit reports, even though I knew ( by XXXX 's own disclosures ) that this is not true. 

After copy/pasting XXXX 's disclosures into the conversation, XXXX then stated again that affiliates are free to effectively destroy credit reports by running soft or hard pulls at their discretion. 

These aggressive and misleading sales tactics would easily scare and confuse an uninformed person into signing up NOW, since their credit would be ruined for years.
I just became past due on my loan today, and this is the XXXX month. I called the company both months to let them know I couldnt pay.They have my phone number & told me couldnt get ahold of me because my mailbox was full.which is untrue! Plus kept calling my references which I told them to stop.The girl on the phone said they have to continue to call until its paid but I asked why if I already called them to let them know I could n't pay.
I filled BK in 2012 so everything was discharged including all tax liens. 
In all XXXX credit bureaus still shows that i owe tax liens and property lien. 

I have proves from the court, BK discharge certificate. Please assist. 
XXXX XXXX XXXX XXXXXXXXXXXX
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX XXXX, XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
The credit card company pricelinereward visa card issued a check in error on XXXX XXXX, XXXX for {$4800.00}, despite the account was closed on XXXX XXXX, XXXX. I called the company regarding the check and I was told this was a reward check and that I can deposit in into my account. They did n't give any other explanation of why I was receiving the check besides that it was my money so I deposited the check. On XXXX XXXX XXXX, I recieved a letter stating that the check was issued in error to my account and that I owe them {$4900.00} including interest of {$140.00}. So they are asking me to pay {$140.00} in interest. They waited 8 months from XXXX XXXX, XXXX, when they posted the check in my account, to inform me that they credited my account in error. I have already paid their {$4800.00} back and they insist that I still owe them {$140.00} for interest. To me this seems fradulent since they said it was my money and that I could deposit the check and they also waited 8 months to send me a letter stating it was an error on their part. I never recieved any statements prior to the one I recieved in XXXX XXXX stating that there was an outstanding balance in my closed account. Now they are insisting I pay interest on a {$4800.00} check and I refuse to pay the interest. Please help resolve this issue. Thank you.
I understand when a payment is late it is in default ; however, this company 's collection practices are not only extreme but harassing. They have become such a nuisance that I have had to block them from calling my cell phone ( they can still leave a voicemail ) and request they not call my place of business ( they still call and leave voicemails ).

My payment was due on FridayXX/XX/XXXX. On Monday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Tuesday XX/XX/XXXX I received 3 phone calls, 2 on my cell phone and 1 at my place of business regarding this payment.

On Wednesday XX/XX/XXXX they contacted my mother and friend, both whom I listed as references, to inquire on my whereabouts - how embarrassing! My payment is not even a week late and they are contacting my references??? Ridiculous.
On XXXX/XXXX/2015 I responded via fax and through XXXX XXXX to Chex Systems regarding additional information that they needed to me to support my claim of clearing address 's that does not have any associations with me. On that day I sent a notarize personal statement about the address that did n't belong to me and I also sent them a Police Report as they have requested for me to do. I have attached a copy of the XXXX XXXX delivery confirmation, police report and notarized statement. With reading their rebuttal to me now stating the police report that I have sent them does not specify dates or date range to remove the information. And now I need to get an additional police report that specifies in further detail about ID Fraud. I will do so. But, I did send a notarized statement to you on XXXX/XXXX/15 and I had attached it to the cfpb dispute # XXXX, and I also sent the original to you via XXXX XXXX which you received on XXXX/XXXX/15, and I also faxed all the statements to you on XXXX/XXXX/15 as well. Also, on the police report it did state the XXXX banks XXXX Bank and XXXX Bank but you only mentioned that you deleted XXXX. Your consumer report dated XXXX/XXXX/15 is attached as proof. Now XXXX XXXX XXXX XXXX XXXX, CA XXXX is my parents address. My parent has owned that property for more than XXXX years. I stayed there up until I was XXXX years old. I do n't know what more to say regarding that but I have n't lived there since that time. Please divulge the name of the Bank and or credit union that has reported my name using that address recently so that I can speak to them directly to clear that information out. As stated before I will get a detailed police report first thing in the morning and re-submit it to you so that all the other disputed items can be removed. 

Thank you Also please look at the notarized statement that I sent you via this portal, fedex and fax
Submitted dispute about state tax liens on my credit report with Equifax on XXXX XXXX, 2017. The tax liens have been released as of XXXX XXXX, 2017. Equifax refuses to remove said liens from my credit report even after showing proof of liens being released.
I was initially contacted by a company known as XXXX XXXX and/or Equitable Acceptance who wanted to consolidate my loans. The original conversation was about how they would pay the loan and I would see and instant improvement in my credit score and then I could make one low monthly payment to their company. I am a struggling single mother of XXXX who could use all the help I can get so I signed the needed paperwork and began making payments to this new company, XXXX XXXX. I made payments for about 2 years and recently my original loan company contacted me stating that I was late on my payments. I told them I had been making payments for the past two years, to which she replied " There has been no payments made towards this loan. '' ( I had been in the period between ending school and beginning my first payments due to low income so this is why they were just now reaching out to me. ) I began to question both companies about why I am paying two different companies for 1 loan. I did lots of research online and called to speak with XXXX XXXX XXXX where I was belittled and threatened that if i ceased payments my credit would be negatively affected. The woman I spoke with that day even said to me " What are you now , XXXX XXXX XXXX?! '' once I told her I was trying to research what has happened. Since then I am continuously getting emails and calls threatening my credit and advising me to contact their collection agency.
I do not have a contract with XXXX XXXX XXXX XXXX. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt.
I make 2 monthly payments on my student loan regularly with Wells Fargo Student Loan. I told the rep I wanted to make 2 payments and she calculated incorrectly and it had to be completed in 2 separate transactions- one for {$100.00} and second transaction for {$3.00} on XX/XX/XXXX. The rep miscalculated and shorted my second payment by {$1.00}. This is NOT the first time this happened, first occasion was XX/XX/XXXX.

My credit score dropped drastically and this is injust because this was a mistake by the representative which they also admitted.

My score was effected and significantly dropped 59 and 33 points.

This isnt the first time this happened. InitiallyXX/XX/XXXX when that happened I complained and nothing was rectified.
This is a paypal line of credit that i was not aware of until today, XX/XX/XXXX. Apparently the account was opened in XX/XX/XXXX. When I opened my paypal app on my phone, it said I had a past due balance. I freaked out and immediately made a payment so that my credit was not impacted and then called Paypal to research. I was told by an agent and a supervisor that i opened the account and was accruing interest on charges made. I disputed and said this screams unfair/deceptive practices. All charges should have been posted to my XXXX and not a line of credit that I did n't apply for. Now what really upsets me is that I told the agent and supervisor that there was no way that I 'm the only person in this situation and they said I was and that i was unique. We argued for another 30 minutes that i 'll never get back and then she opened a fraud case. After I got off the phone, I just felt that I had to XXXX Paypal unfair deceptive practices and of course there is already a consent order. I then called back and spoke to multiple agents asking for the department handing the class for the CFPB order and none of the agents were even aware of the order or they are lying. Horrible customer experience and this means other customers, who are not aware of CFPB, are not getting helped. 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) 1st, I want a refund/credit for money/interest/fees owed to me. 2nd, I would like to know that Paypal is required to disclose information about the consent order to all credit accounts opened prior to XX/XX/XXXX ( assuming that they fixed their credit extending policies ) My PAYPAL account info is under XXXXXXXXXXXX and phone # XXXX.
XX/XX/2014, my doctor ordered XXXX from a XXXX company called XXXX XXXX XXXX XXXX aka XXXX ( this company has now filed bankruptcy, see this article : XXXX ). They were supposed to submit the bill to my insurance company, but my insurance company states they never received any billing/payment requests. Nor did they send me any kind of notice that the insurance company had not made payment, and I needed to make payment to XXXX. They then sent my account to this collection agency, Monterey Financial Services, LLC. Last month, Monterey Financial reported my account to the credit bureaus, and it severely damaged my credit. Never at any time did XXXX XXXX XXXX or Monterey Financial Services send me any form of notice of the debt, or make a call to me in an attempt to collect the debt. The damage to my credit has cost me financially. 

When I call the attorney 's office that handles XXXX 's billing, the phone rings continually, with no one picking up, and does not go to voicemail. When I call Monterey Financial, they simply tell me I 'll have to talk to XXXX.
I 've paid the debt directly to the clinic I 've visited before they send out the request. Simply because I did n't keep the confirmation number, they were n't able to get the record for payment and insisted me to pay again. 

I ended up paid the amount again simply because the amount is not large and the whole process is super annoying.
I referred my friend for the XXXX XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/2017. American Express had a program that promised me XXXX XXXX XXXX points if that referral was approved. The referral was approved on XX/XX/2017. I've reached out to American Express many times and they keep saying to check back in a few weeks. It has now been 16 weeks and there has been no resolution. I have given them the opportunity to fix this, but they keep stalling and telling me to check back later.
XXXX XXXX XXXX is reporting that I had an account written off for {$780.00}. TransUnion refuses to remove this false information. This account was my adult son 's account. I use to allow him to use my credit card to pay his bill. My name was never on the account ( which was through XXXX ). I was not present when he opened the account ; and I did not sign any paperwork. I simply paid some of his bills, so they are illegally reporting this as MY debt. In addition, the " last date of activity '' is listed as XX/XX/2014. I applied for XXXX XXXX XXXX XXXX cable services then. This is false as well. I am currently a customer of XXXX XXXX XXXX for the cable services I applied for. I do not believe that TransUnion has investigated the validity of my liability for this account.