WillisBack/dataset-financial-user-claim huggingface dataset:
My credit report is inaccurate, I have tried numerous to contact TransUnion, XXXX, and XXXX to request this information be removed. My FCRA has been violated because I was denied copies of documents that were supposedly used to to validate accounts and public records on my bureaus.
I have an active account with XXXX since XXXX, this account was converted to XXXX XXXX after XXXX was acquired by XXXX XXXX in XXXX. Sometime later, I was issued a new card with new numbers in XXXX XXXX with the XXXX XXXX logo. My account before XXXX XXXX was listed in my credit file with Equifax however after the new card was issued somehow this account was deleted from my credit file. Since the beginning of this year I have called several times to Equifax and spoke with so many people in different departments and they all keep saying that this account is not in my credit file because XXXX XXXX choose not to report this account, however this statement is completely false because I spoke with XXXX XXXX and they assured me that this account it 's been reported to them. They even send me a letter XXXX different times stating that this account it 's been reported to them. I also fax this letter to Equifax and they still do n't want to do anything to correct this problem. I feel that my rights has been violated and for this reason I 'm filling a complaint with the Bureau of Consumer Financial Protection.
On XX/XX/2016 I was unable to use my bank account, called the bank and was told that the account had a receivership placed against my account from a law firm. I only received the notice of a lawsuit, I did not sign for anything. When I called the firm I was told that the only way to stop the block was to pay off the amount and was asked if I could " borrow '' or get a credit advance to pay it off. The firm is XXXX, XXXX. The number is XXXX. When I first called them to try and offer a plan I was told that I can only pay the full amount and that they have a hold on my account so nothing they can or will do. The first person was rude and unwilling to offer any help. I asked to speak to a manager and was put on hold for over 20 minutes then was hung up on. Tried calling back within 30 minutes and was kept on hold for hours. Talked to them the next day and was once again told that with them having my account nothing could be done.
I use paypal to transfer funds for payment and receipt of payment. 

With respect to payment receipts, paypal recently revised their system to report the amount that was sent to me as the funds transfer total without any regard to the net amount after paypal removes its fee. thus, paypal is over reporting each funds transfer and my total account balance. when asked, paypal states that they can not do anything about this because of their recent changes.
I 'm a victim of identity theft and someone else has been trying to open account in my name and I have some inquiries on my credit report I only have XXXX account with municipal credit union but it has XXXX inquiry from them XXXX/XXXX/2016 do n't belong to me and the company by the name of XXXX XXXX have XXXX inquiries on my credit report when I only supposedly should have XXXX from XXXX/XXXX/2016 belong to me
I have contacted Naviant for over 5 years requesting a loan payment that I could afford. I have NEVER made over {$47000.00} a year. The representatives never told me of the Public Servant Loan Forgiveness Program. They have ONLY offered to put my combined loans ( combined with my now ex-wife ) into forebearance or deferment. That is NEVER what I wanted, because it does not help with paying the loan off, and the interest accures. I have asked approximately18 times to speak with a supervisor or to speak to someone that spoke English as a first language. Those requests have always been turned down. I have also asked, repeatedly, that the loans in my name could be seprated from my ex-wife. Her loans are only a fraction of mine, but they say it is not allowed, even though we have been divorced over 6 years AND the divorce decree stipulated that to be done. 
We have mailed them tax returns, pay stubs and filled out the same forms many times and they say they never receive them. The interest on the combined loans has now passed 92 % of the amount owed. I have been mislead and steered to deferrment and forebearnace when other, more suitable options were allowed, though NEVER offered. I feel I was intentionally and systematically cheated and I now have no way to afford paying off loans that now total close to {$90000.00}. I only atteneded state run iniversities and this was simply to receive a 4 year degree. 
I am requesting for some sort of action to be taken against Naviant in my name. 
XXXX XXXX
I had a bill with XXXX and XXXX in 2005 that went to collections. I was incarcerated at the time of the collection. They had expired from my credit report and now they keep getting renewed and showing back up. They are closed on my XXXX and XXXX reports but not my transunion. I would like them to be closed on the transunion report as well.
For three years, I submitted the appropriate documentation to XXXX XXXX for deferment of my XXXX Loan towards cancellation. Three years in, XXXX XXXX was bought out by XXXX XXXX, and this is when I began having issues. XXXX XXXX  claimed they never received documents mailed directly to their PO BOX ( with PII ), or never received faxes. ( I faxed my documents to XXXX XXXX with zero issues for the previous three years ). Finally when the five years ended and I was able to officially cancel my loan, I was told that I didn't meet the requirements. To me, if I didn't meet the requirements, the three years of paper work with XXXX XXXX and the one worth of paperwork with Heartland  should have never been approved. The first time it was denied, I requested to speak to a supervisor and was told that supervisors did not have phones and therefore I could not talk to one. They said I could resubmit for secondary review. I wrote a letter describing why I was qualified, and provided five years worth of documentation that I had been deferred towards cancellation. Again, I was told these documents were not received, and was given an email address to send the documents to. Upon Supervisor review, I was told that my job description did not meet the requirements towards cancellation ( the same job description I had provided for the past 5 years ). If this job description was not good enough, then why was it approved towards cancellation the past five years? I again called Heartland and told them I was going to report them to the CFPB. It was then that they said " you've said one of our key phrases, you may now talk to a supervisor ''. I told them what I had been told previously about the supervisors not having phones. They said that information was incorrect. After speaking with a supervisor, I faxed additional supporting documents ( letter from my supervisor and a more detailed job description ) regarding my position, to justify it meets the loan cancellation requirements. I contacted Heartland and they stated they had received no such documents ( this same thing was told to me almost every time i submitted documents to Heartland ). I then mailed the documents and am currently waiting for them to be received and reviewed by a supervisor. Currently, this issue has NOT been resolved.
I applied for an XXXX Signature Visa card, but was not immediately approved. Without my consent or knowledge, Bank of America issued me a Visa Platinum card instead ... without nearly any of the sign-on bonus or benefits of the Visa Signature card I applied for. The point is that I applied on the website for the Visa Signature card and was automatically issued a lower-grade credit card without my knowledge. I did n't know until I received the card in the mail, despite checking the application status website daily! The website also at no point indicates that I might be assigned a different card. This is a blatant example of bait-and-switch by Bank of America that has left me ineligible for future sign-up bonuses from XXXX.
I have put freezes on all 3 credit Bureaus within the past year and saved all of my documentation. 

I recently tested unlocking them for a short period of time to see if it was possible. Out of all 3, XXXX   and XXXX were able to temporarly unfreeze my credit. Equifax requires that I send a letter with personal information to them. I have also tried to contact them regarding this and have yet to reach a human.
I did not give permissable authorization for XXXX XXXX to request or view my credit report for a vehicle loan nor did I need financing from any of the lending agencies they solicited my SSN # to. Allied Financial used an erroneus address to fraudlently produce a loan application. The actions taken by this company were fraudlent and the finance represent named XXXX was fired after I reported her and salesman XXXX XXXX that they violiated my credit privacy. I hereby warned XXXX CEO and store manager XXXX that I demanded their office to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.
I can't remember the exact dates, but over the life of my loan I have made payments and paid ahead when I can. This was an effective strategy to keep my payments manageable, until about 3-5 years ago when I noticed that my interests rates just so happened to go up and bring my amount due equal to the amount I was paying to get ahead.

I did my best to catch back up, even through an injury that limited the amount I could work for a time. At that time, I called Navient and expressed my concern, after never seeing my payments fall back, only to be told that they did not set the rates and that the rates were variable and set by the Federal Reserve as was my understanding when I took the loan.

I, now, know this to be an outright lie. On Navient 's website, it now says that the lender sets the rates. When my loan started it was around 5-7 %. It is now nearly doubled to 11.25 %. This is unheard of for student loans and unconscionable.
CBA claimed I owed them {$180.00} reported to my Credit file, no notice was sent to me regarding this debt. I found out when I checked my credit file and immediately sent them a certified letter on XX/XX/2018 requesting for information, my letter was delivered on XX/XX/2018 at XXXX XXXX, CBA re-reported the debt to my credit file on XX/XX/2018, however they have refused to communicate with me nor send me any bill or information regarding this debt. I called them several today XX/XX/2018 my calls forwarded to voicemail every time. 

I do not owe any money. 

A copy of my dispute to CBA is attached.
XX/XX/XXXX : I received a notification from Credit Karma. It said I had a new report on my credit. Upon further investigation, I was about a hard inquiry that I didn't not apply/inquire about. 

It was by XXXX XXXX. The inquiry was for a XXXX XXXX XXXX account. Supposedly the inquiry was made XX/XX/XXXX. 

I did not apply for this, I do not know what this is. 

Credit Karma provided me with a link to call XXXX XXXX and have this taken off my account. 

I had first called the number provided at XXXX XXXX., XX/XX/XXXX and talked to a representative. He said I didn't have an account, therefore, he didn't have further instruction or ability to help me because there was supposedly nothing to look into. 

He ( XXXX rep ) said I needed to contact Credit Karma, so I sent XXXX  an email to their support on XX/XX/XXXX at XXXX XXXX. Once I found out numerous people have never received replies, I figured I could call XXXX , seeing how that was the bureau that the inquiry was reported under. 

I called XXXX XX/XX/XXXX at XXXX XXXX. 
The representative gave me instructions for how I can get this taken care of, she even provided me a file number : XXXX XXXX XXXX. 

She instructed me to request a form/letter of release to be sent to my address. Which I would then have to send to XXXX 's XXXX. XXXX in XXXX, PA along with my letter of authorization. 

I called XXXX XXXX a second time, XX/XX/XXXX, at XXXX XXXX. I talked to a different representative, and he stated that this inquiry from XXXX XXXX XXXX was not affiliated with XXXX XXXX. It has no relation to XXXX XXXX, and they don't know why it would be on my credit. 

He also stated that Credit Karma has said that this was a common error, and they tell customers to call XXXX XXXX. He could not send me a letter of release because according to him, if I don't have an account with them then there is nothing to release. 

So then why would this be reporting on my credit report stating to be coming DIRECTLY from XXXX XXXX? It makes no sense. 

Therefore, sticking me into a vicious cycle of contacting whoever the last person told me to contact. 

After various short phone calls, I have no patience to wait months before realizing Credit Karma will never respond to me, and if they did, they would just tell me to contact XXXX XXXX  and the cycle continues. 

I did independent research and found someone who had that exact same problem as me, and this was the method he said worked for him. 

I need to file a complaint with XXXX XXXX, to take that report off of my account because that's exactly what they did for the man who shared this method to the internet. 

I need to file a complaint with Credit Karma. 

And I need to file a complaint with XXXX. 

I need my credit protected. I will be having my first child this year, and I need a house, and I can't get one with my credit sinking because a fake company wants to take money from me. 

Any help would be appreciated.
Today, XXXX XXXX, 2017, Equifax credit bureau announced that they had a data breach back in XX/XX/XXXX-XX/XX/XXXXor so. They had a tool on their information site, ( equifaxsecurity2017.com ), to see if your particular SS number and other personal information was involved. I put in my information as instructed and was informed of XXXX. Like all the other commenters on XXXX, I was just given a future date to enroll in their " credit protection plan '' for a year of free service. They expect a hard hit to their servers so I am forced to wait until XX/XX/XXXX to enroll. They said they would tell me if my critical credit data was hacked while under their care. It 's bad enough they had the gall to wait 3-5 months before telling anyone, and now no one can get any real answers.
I currently have around XXXX in debt. I have both federal and non federal student loans. I have tried multiple times to contact Navient because the payment options were just to high for me. I am currently making payments however those payments are only interest and that 's {$750.00} a month no including payments i cant afford that are under forbearance which will soon be ending. I will never be able to pay the actual loan itself with the interest rates the way they are. Navient claims to offer tons of ways for them to help you lower your payments or to try and find something that works for you but as I/ve noticed they really do n't care and are totally fine with the idea that i will continue to pay {$750.00} a month and not see a dent ever in the actual amount I owe. I have had deferments and forbearance 's in the past which I am no longer even allowed or offered with the private loans but when it was offered the representatives at Navient were always quick to offer one of those options instead of just finding out what I could afford to pay. Its all or nothing with them which makes it very difficult for someone who 's middle class. The school I attended for college is now shut down and from my experience with others that attended this school all of whom are drowning in debt from going to school there. The financial aid department there was a joke and was never clear about anything. I believe tons of students there got into way more then they agreed upon and will not be paying for the rest of their life. I think that there should be more help for people like myself that are TRYING to make payments and want to get it resolved versus doing nothing. The school name was The XXXX located in XXXX.
Hello, Transunion had inserted deleted collections and deleted hard inquiries on my credit report between XXXX, i had questioned Transunion, however they stated that there is no record of such transaction, i have screenshots to support my claim.Thank you
XXXX XXXX joint checking with over XXXXin it. We moved upstate and had our mail going to a XXXX XXXX , social security checks were being direct deposited. Social security stopped the deposits because of lack of address. On Friday XX/XX/30 I went to my citibank branch XXXX XXXX XXXX XXXX Ny XXXX & the lady told me my account was closed. They called the manager and allegedly he said hed mail me a check. They wouldnt tell me who authorized closure, when it was closed. I never received notice to my P.O. BOX of closure. My XXXX went up to dangerous levelsXXXX. I had to leave the bank as I felt myself getting XXXX & I had my wife with me & she has XXXX. I couldnt afford to lose it. I was given a number & told to call In 48hrs. Im dictating this letter to my daughter to submit In case I get worse. I need this bank investigated and I want our money.
On XXXX I opened a mortgage with XXXX XXXX XXXX in the amount of {$320000.00}. Due to issues I had no control over, we had to let the house go into foreclosure. Our last payment was on XX/XX/XXXX the Trustee Sale was on XX/XX/XXXX per the XXXX County Recorders office. XXXX is falsely reporting to all XXXX credit bureau 's wrong information and I have been trying to have them fix this for the past several weeks and still has not been resolved. First, they are reporting to all XXXX credit bureau 's that this account is still open and as of XX/XX/XXXX I am XXXX days past due. Second, there is a discrepancy in the account number that all XXXX credit bureau 's have and what XXXX has. I am at the mercy of XXXX to fix this and it seems that the individuals that are in charge of reporting true and accurate information are incompetent. I am currently trying to refinance my current house to a lower interest rate which would save me approximately {$75000.00} in interest. Because of XXXX 's inability to report correct information I am not able to proceed with my refi. I have uploaded all the documents that I have received from XXXX to all XXXX credit bureau 's to have them correct these issues but they will not due so.
I am trying to link my XXXX account to my TD account and TD will not allow it.
Paying my monthly mortgage payment but company is placing funds in Suspense and reporting negative and false information to credit bureaus claiming I have n't paid 2 months mortgage payments.
XX/XX/XXXX, I received a mortgage from BB & T. During this time, the appraised value of the home was {$280000.00}, based on square footage that was overstated on the appraisal by 1,251 square feet. This gross error was not discovered until after non-responses by BB & T 's mortgage ( for the lower rate that was stated of 3.875 % ) and I'd gone to another financial institution to refinance in XX/XX/XXXX. The other financial institution, XXXX, ordered an appraisal and now it's been determined there was a measurement error and the value of my home is upside down by a tremendous amount. After multiple attempts of left messages and emails with BB & T, I found a complaint email address and send my letter via email. I've attached my letter, along with the letter of response by BB & T. I responded to BB & T with a copy of the XXXX appraisal that was mentioned in their response letter. I've not heard anything back from them. In essence, they are stating they need another mortgage application and for me to pay for another appraisal. I do not feel in any way that I should have to pay even more money and re-apply for a mortgage they already hold that was handled inappropriately.
I contacted " Professional Bureau of Collections of Maryland '' and they were only willing to discuss payment. I then contacted " XXXX '' to resolved to problem and was told they no longer have any documentation on the account, the account has been sold, and they can not make any changes and/or corrections. The bill was approximately {$400.00}, which I've attached from 2013 and the amount the collection agency is trying to collection is extremely higher in the amount of {$3800.00}.
Bank of America sent me a credit card offer in the mail, offering XXXX XXXX miles as a credit card sign up bonus. I applied for and was approved for the card, made the minimum spend, and was told I would only get XXXX miles, as I was not approved for the offer they solicited, but got a lesser account. I called and was told that this was in the fine print, as my credit was not good enough. My credit score was XXXX at the time I applied, which means that my credit was excellent, and in the upper half of all applicants. This is a bait and switch. I called BoA to ask them to credit me the full miles as promised, and they refused, saying it was in fine print on the XXXX paragraph on page XXXX of the offer. Nowhere on the main offer do they suggest that this offer is only for the top 20 % of applicants. This is dishonest and deceptive marketing.
I originally authorized a purchase on my card to XXXX XXXX XXXX on XX/XX/XXXX for future appointments ( skincare ) and upon that purchase ( day after ) my face broke out, the company was extremely rude and condescending about appts made when they were the first ones not keeping track of appts properly. I dont trust them and fear for my health and skin if my face broke out it maybe cleanliness of the establishment. Ive attempted to get my refund from capital one but they are giving me the runaround and tried to rebill me ( XX/XX/XXXX ) from the credit issued on XX/XX/XXXX. I dont feel I should pay for servicing that werent rendered. I contacted them tonight at XXXX letting them know I dont want any of what I pay on my card toward this XXXX disputed.