WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working with Transunion for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Transunion? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me.
XXXX On XXXX 2016 basically forced me to co-sign for an auto loan for a friend. They explained that the co-signer would be responsible if the borrower did not pay the loan. With that understanding I still hesitated to co-sign. Wells Fargo approved the loan application. However, it was approved by putting me as the " primary '' owner of the vehicle. That was not what I signed up for and agreed to. I returned to the dealership and spoke with Financial Manager and explained that I did not want my name as the owner of the car because if any parking tickets or insurance requirements would appear under my name. He assured me that this would not be the case. One month later I received a parking citation for that vehicle and sure enough it had my name on it, secondly Wells Fargo sent me a notice this week advising me that the Insurance had lapsed and the notice was sent to me. I specifically told the dealership and wells fargo that I did not agree to be the primary owner of this car that this was not what I signed up for and I feel that I was duped by the dealership even after I specifically told them that I would co-sign. If the lender Wells Fargo wanted to approve the loan they should communicate this to me because I did not want to be the primary owner of this loan. This is not right especially since I do not drive this car. In my opinion this is another form of identity theft.
The attached complaint sets forth all of the claims involving the deceptive nature in which LVNV Funding , LLC brought its case under index # XXXX. Naming a plaintiff as " LVNV Funding , LLC XXXX XXXX XXXX '' is a deceptive practice because that entity misidentifies the creditor, is not licensed, lacks authority, and implies more of a direct relationship than exists between LVNV and XXXX XXXX. A federal case annexed to the attached complaint clearly states a cause of action for that tactic under the Fair Debt Collection Practices Act. XXXX XXXX challenges LVNV 's legal right to sue her in the first place. Upon information and belief, LVNV failed to secure a valid chain of assignments before it sued XXXX XXXX. New York courts are very concerned about debt buyers who do not and/or can not produce a valid chain of custody. 

XXXX XXXX also contends that LVNV added pre-judgment interest to her debt but it lacked contractual or statutory authority to do so. 

XXXX XXXX was not given valid notice of any assignment and any meaningful right to demand validation.
on XX/XX/2017 XXXX XXXX extension XXXX called to say we entered an agreement for payment of {$620.00} from XXXX XXXX. I replied telling him that the company has been debiting money from my checking account for the amount owed, XXXX continued to speak and tell me that I am lying and that I am changing my story, I attempted to explain to him what was happening and he continued to talk over me. At this point I raised my voice to try to catch his attention, which he did not stop talking or let me talk other than accuse me of being negligent and ignorant. I let him know I will be talking to his supervisor at which point he said they will be submitting the lawsuit for the debt because I am not working with them and am refusing to comply. I then hung up because he continued to threaten me. Following a letter about the phone call that was not accurate was sent to my email. At this point I have submitted a voice mail complaint to his supervisor & refuse to pay for this debt until the communication between their company and XXXX has been resolved and I refuse to deal with this man. I would also like to complain about multiple harassing phone calls daily.
I 'm currently paid ahead on a XXXX XXXX school loan. 

I 'm attempting to make a principal payment. I understand that the payment will first be applied to interest ( i owe approximately {$30.00} in interest and am attempting to make a {$1000.00} payment so $ 900+ should go to principal ). 

There is NO option to do this online, if I make the XXXX payment it will automatically pay as a payment and just advance my due date. I do n't want to pay 10+ months on this loan, I want to pay down the principal. 

I 've called the lender and was, at first presented with this option : Make the payment online, then contact them once it posts ( 2-3 days ) then they will request that that payment be changed to a principal only payment but that could take 2 weeks. In the meantime, I 'm paying interest on the entire principal amount while that money is sitting in limbo. 

Finally, after extensive complaining about how cumbersome this process is the representative offered to make a phone payment ( free of charge ) which should mean that it only takes 2-3 days to process. 

I 'm frustrated that it 's not easier to make a principal only payment on student loans. I 've paid and will continue to pay a ridiculous amount of interest on these. I understand that. I have n't defaulted, my payments are current and I 've accepted that this is my burden. But there should be reasonable means available to pay off principal. 

- A sincerely frustrated borrower.
Good Afternoon, I am a US military service member, and a responsible citizen with a clean and well standing credit record. 
I was contacted by " FIRST FINANCIAL ASSET MANAGEMENT '' ( XXXX ) a Debt Collection agency. They contacted me to collect on a Fraudulent account, that was opened in my name in 2005, they threatened to blemish my credit profile and even attempted to " SETTLE '' the account. they have illegally purchased my personal information and identity from another debt collector or illegitimate source.
I was making payments to this third party company for my visa credit card balance and they called me to demand that I give them my bank information so my payment would be taken out automatically. When I refused to give them the information they became hostile and threatened to take legal action. When I asked for a supervisor I was disconnected. I called many times and they hung up on me repeatedly. I have seen many complaints against this company and a pending lawsuit. I do n't even know if they own the debt. When I request information they hang up on me. They continue to call daily after XXXX.
I called Transunion abo ut 2 weeks a go because they had a glitch within their company that caused my inquiries to be deleted and then they were re-added without giving m e 5 no tice as is required by law. When I contacted them, I was told that they were not going to remove these inquiries. I am requesting that the following inquiries be deleted from my report, as this is causing an undue hardship and is damaging to my credit.      XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX ,  XXXX  Please make Transunion stop victimizing me!!     Thank you!
Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Equifax not only did not notify me in any way of this security breach, but the information was n't even released to the public for several months after the breach. I became aware of this incident through social media ; a letter or email was never sent, or a phone call. Once I became aware of the security breach, I was left to research and handle the issue myself.
Equifax is currently offering a limited credit monitoring service, which is unlikely to actually resolve any of the potential issues, as my information can still be used to open new accounts and I would be left with handling those potential issues. In addition, agreeing to their credit monitoring service comes with the stipulation that my rights in this situation would be completely waived, I would not be allowed to sue Equifax for this incident.
Furthermore, I had to spend my own money to freeze my credit in response to this recent breach of security, and Equifax has done nothing to remedy this situation.
Attempting to allow XXXX to verify my account and they receive a response that says that Capital One is blocking you from enabling external applications.
I filed for chapter XXXX bankruptcy in XX/XX/XXXX and my auto loan was included in my bankruptcy. During this time XXXX XXXX is reporting late payments which I believe is a violation of the automatic stay and should not be reporting late payments and should be reported as current. My bankruptcy was discharged XX/XX/XXXX.
I have a cellphone contract with XXXX XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I changed my contract from a personal account to a corporate XXXX. When XXXX XXXX XXXX XXXX made this change, they inform me that I will continue making my payments under the new corporate bill. I started to receive and pay my new bills. Months after I received a new statement under my personal account information. I decided before making any payments to require information about. Then waiting for the XXXX XXXX XXXX XXXX response, I received a letter from a collection agency requesting the debt payment. In this moment, I fill out my XXXX dispute with Transunion, but I feel I do n't receive a fair result. Weeks after, XXXX XXXX XXXX XXXX explain to me that the charges under my personal account are originated from a prorated. In this moment I understand clearly where the charges are coming from and I process the debt payment. After pay my debt I dispute my account once again because XXXX XXXX XXXX XXXX failed in notify me where my charges are coming from. XXXX XXXX XXXX XXXX never accept their fail to me and also to Transunion. Today, I have this account in my Credit Report with a payment status " Collection/Charge-Off '' and remarked as " Charged off as bad debt Profit and loss write-off ''. I need Consumer Financial Protection Bureau to verify this because I think it is unfair that I have these bad marks in my Credit Report because XXXX XXXX XXXX XXXX do not bill this charges clearly and failed in notify me. I submit for your consideration XXXX copies of my account info as appear on my credit report.
Hi my name is XXXX XXXX I been have trouble with Wells Fargo home mortgage every year I send them a copy of my receipt and then they said old it went to someone else 's account it will be fix so now they send my money back foe the month ofXXXX of XXXX so I just been put the mney on the side and I apply for a modification and I send the mortgage a copy of everything they ask me for a copy of my award letter from my XXXX XXXX and a copy of a award letter for my sister she stay with I and so they call on XX/XX/XXXX and told my sister that they could not get an copy of my XXXX XXXX from thr IRS and I told them I do not file tax my sister do n't file taxs allso the man name XXXX XXXX XXXX IS IT ALL RIGHT THAT U GAVE ME A VERB STATEMENT THAT U OR YOUR SISTER DONT FILE TAXS SO THAT was find XXXX XXXX call on XX/XX/XXXX and Said the modification was not approved and I ask why XXXX said something was wrong with the document and I ask what and he told I he could not said so I call the XXXX XXXX and ask them can they send the mortgage company the verification letter of how much I received and they told me they can only send it to me so I send it to them again and my sister is Waite for her verification letter from her social security I received {$1200.00} and my sister received {$1500.00} a month and after they take of she received $ XXXXand my month mortgage payment is only XXXX and I no THAT more then enough I did some reach search on wellsfargo and they are very prejudice they gave XXXX XXXX a hard time and they like to take XXXX XXXX HOME I all so ask can I pay the regular note and a half note and XXXX XXXX said they can not do that and went u look on the web about what kind of hardship they have they one of them so can u all PLEASE HELP ME TO SAVE MY HOME MY BALANCE IS ONLY {$41000.00} thank u very much XXXX XXXX every thing they ask me for I gave it to them
My wife bought a new XXXX XXXX in XX/XX/XXXX, she does n't work so they needed to run my credit, I was very adamant about only running it 1 time, VERY ADAMANT! Because I own several businesses and need excellent credit for growing them. After not receiving any registration or payment information on the vehicle we started calling XXXX  XXXX in XXXX XXXX NC, and Capital One Auto to find out where our info was so we can make our payments, Capital One said that XXXX XXXX messed up the paperwork and needs to resubmit it, by that time it had been more than a month and Capital One pulls my credit once again without my permission, I have contacted both XXXX XXXX and Capital One numerous times and no one seems to want to do anything, all said and done my credit was pulled 3 times for 1 loan.
On XX/XX/XXXX I got a call from XXXX and they said they collecting for XXXX okay. I first set up payments paying XXXX that day with my debit card. That night my husband and I talked about it and pulled money from savings and I called back the next day and paid off the balance. So the full balance was paid XX/XX/XXXX. I have them both on my statements. So they say - we will send you a letter blah blah. Well we are in the middle of moving since my husband was separating from the XXXX, and to be honest kinda forgot about the letter. Fast forward 3 months and we are trying to buy a house. My lender pulls our credit report low and behold- a new collection account popped was reported XX/XX/XXXX- and blows our credit score way down. I was furious we had an offer on the house and waiting to close. I called XXXX, and ask why was this reported XX/XX/XXXX when we paid it in XXXX!! All they said was sorry we will updated the balance to {$XXXX}! No I said I need it removed. She said sorry we do n't do deletes here. You just cost me my house! and they refuse to remove it even when I paid it 3 months ago!! How can they report it AFTER it was paid.
I refinance my mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, At the time of refinance, original lender did not required me to have any other additional insurance other than XXXX. I provided it to Lender and we closed the loan. At the present, Ocwen as the new Servicer has put forced place insurance on the unit. Now Ocwen raised raised my monthly mortgage payment.
I 've been paying my Government Loan for 11 years. 
My original loan amount was around {$24000.00} and I now owe {$36000.00}, which I 've been paying as often as I can for 11 years. Some of the time I had to defer my payments due to losing a job or between contracts. I do n't feel that this is fair for me to have to pay on this loan for as many years as I have, around {$250.00} per month. 

Thanks, XXXX XXXX
I am a victim of identity theft, on XX/XX/XXXXI mailed an identity theft affidavit along with police report and supporting documents showing that accounts on TransUnion credit report are fraudulent and not associated with me. I also attached a letter outlining each account and requesting that they be blocked under FCRA 605 ( b ). On XX/XX/XXXX I contacted Transunion and spoke to a supervisor, I was informed that my identity theft affidavit and police reports were received by TransUnion onXX/XX/XXXX, however instead of blocking these accounts TransUnion sent each account for verification with the furnishers. I explained that I am a victim of identity theft and that I 'm not asking for verification of these accounts but requesting that they be blocked and removed due to identity theft ; I also stated that under FCRA 605 ( b ) the furnisher has nothing to do with identity theft exclusion and that they are willfully ignoring federal law. The TransUnion representative responded with " I do n't care this is how we do things ''. TransUnion is negligently reporting fraudulent accounts on my credit report and completely ignoring the fact that I have been affected by identity theft.
I opened an account with Citibank by visiting a branch. There was a poster showing an offer for {$400.00} if a new account was opened and a certain deposit made and maintained for 30 days. After opening the account and depositing I sent a secure message to verify everything was fine with the account, deposit, and promotion, and received back this message : I reviewed your account and I see that your account is opened on XXXX/XXXX/16 and I see the deposit of {$15000.00} you have made on the same date. I suggest you to maintain {$15000.00} for the next one month from the date of deposit ( ie ) till XXXX/XXXX/16 for getting this promotion. Once you maintain this balance till XXXX/XXXX/16 then {$400.00} will be credited on your account with in 90 days no later than XXXX/XXXX/16. 
It is now XXXX/XXXX/16 and I have not seen the {$400.00} added to my account. Any attempts to contact Citi about this result in a dead end. I have : * Sent an additional secure message. I received a reply from an agent stating that they require me to give them the promotional code. I do n't know of any promotional code! I went into the branch to open the account and the promotion was on a poster. When I sent a secure message the first time the agent had no problem locating the promotion on my account, but this time they need some code? Every time I try to reply to this message I get an error. 
* Contacted them on live chat twice. Each time I have logged into my account and then clicked the " live chat '' box on the side bar. Both times the agent has told me that I 'm not logged in and I need to log in so they can view my account details. 
* Called on the phone twice. Both times I have entered my account details in and am to be transferred to someone and instead I am just hung up on.
On or about XX/XX/2018 i called XXXX XXXX to begin resolving an old debt of {$430.00} was referred to XXXX XXXX XXXX and made arrangements to have {$40.00} taken from my debit card every month until debt was resolved gave the man on the phone my name ss # amount to be taken debit card number, expiration date and security code. Completing what i thought were legitimate payment arrangements since that day i have recieved daily harrassing phone calls and today XX/XX/2018 i recieved a dilinquent notice. I immediately called XXXX was told they never recieved arrangements. I asked to speak to a supervisor she informed me that i agreed to pay {$71.00} which i did not. I asked for copies of my phone calls, i would have to wait until friday i tried to explain my predicament and was met with more harrassment from the supervisor telling me i told the rep. I lost the card made agreements i didnt make and i would be held to what information was falsely written on my account. Account At which point i became very angry and hung up the phone. I called them to settle my debt, become healthy financially. My name is XXXX XXXX XXXX the acvount number in question is acct. # XXXX thank you for your assistance in this matter!
XXXX has leaked all of the information needed to open credit accounts in my name, as have a dozen companies before them. Consumers remain virtually powerless over their own credit, with private corporations choosing to profit off of our misfortunes directly resulting from their poor security practices.
I have XXXX from college and borrowed XXXX and XXXX from sallie Mae in XX/XX/XXXX and XX/XX/XXXX. Since the loan now is past the six month mark and payments are through the roof. Over XXXX a month combined. I am unable to pay this amount and my mother the cosigner is unable as well. My father is deceased so that is not an option either. To make a long story ahort I have been dealing with sallie Mae since XX/XX/XXXX. They has me give all my and my co signers financial info for a rate reduction program that they said I was eligible for at XXXX a month and 2 percent interest for two Years and after two years we reevaluate they had me put a months for earance on the loan as well. Now the program has ceased and they claim its due to their mistake in me putting the loan into forbearance. I had to give all financial info for both again. Now it 's being denied due to processing stating that my mom made XXXX in XX/XX/XXXX. She did not tell them this nor did she make that. She made XXXX and would never inflate it like that also they say she has XXXX in a savings account in XX/XX/XXXX as well. She does not if she did she would not need their money. She has an annuity that can not be touched that 's about it. They will not do the rate reduction program now and we 're very abrupt about it and I am unable to pay the over XXXX dollars a month. I am not refusing to pay. I am able and willing to pay through the rate reduction program and if in XXXX years my situation changes we will reevaluate then and go from there. Please if you can help I would appreciate it. They are untruthful for their own convience. And I just need help to pay the loan at the rate in which I can afford. I did not add that the loans at present are 7.5 and 8 percent. I am not sure what your agency does but any input would help. I was told no from sallie Mae yesterday XX/XX/XXXX. Thank you XXXX