WillisBack/dataset-financial-user-claim huggingface dataset:
I am having difficulty disputing wrong information on my Transunion credit report. It gives direction to make disputes online. It will NOT let me dispute online, information will NOT go thru. I called the  XXXX  number to dispute the report as instructed. The foreign speaking rep tells me he can only answer questions he can not fix anything. He then refers me to  XXXX   XXXX . I called and to my disbelief the exact same gentlemen answers the phone telling me the exact same thing that he can only answer questions. He tells me I can talk to consumer monitoring service. I insisted I do not want consumer monitoring service, I want to dispute my report info. After arguing he connects me with the surpervisor  XXXX  who tells me to call the same number he just told me.She tells me to talk with consumer monitoring service and they can change my info. She says I can not access online because I dont have any credit or loans out.?????? She tells me to call same number he did. She connects me with credit monitoring service. Customer service answers tells me she can not help me I have to call the number I already did. So she says she will connect me. Phone loop starts and then tells me I made to many attempts and hangs up
XXXX trying to collect a debt that the day I originally occurred the debt is past the 6 year statue of limitations and it is still negativily impacting my credit. I believe it's manupilative business practices which they should be held accountable. The account is duplicated on my credit I believe driving my collections up to negatively impact my score.
It came to my attention on XXXX XXXX, 2017 that Equifax experienced a databreach. In order to check if my SSN was compromised, the site they are endorsing is requiring that i waive my right to file a lawsuit against them before I know whether I am affected. The website they are using is obviously a third party domain name which itself is extremely sketchy and uses third party security certificates which is terrifying from a cyber security standpoint. I dont even know if my last 6 digits of my SSN are actually being sent to equifax or a third party company hired to handle this breach. it 's not difficult to guess the first 3 digits, thats only 100 different combinations of single digit integers 0-9. The leak happened a month ago, but they didnt make a public statement until now. There is so many things that seem off and I dont know what to do right now. The solution they have is to offer a typically paid service to protect my identity for free for a year, but this data breach will effect my SSN for the rest of my life! How is this even fair???
To begin with, Freedom Mortgage never responded to my complaint of XX/XX/2018. To repeat my complaint, on or about XX/XX/XXXX, my monthly mortgage was mailed to Freedom Mortgage but as of this moment ( Monday, XX/XX/2018 @ XXXX XXXX ) my check has yet to be cashed. I have contacted Freedom Mortgage many times but each time was told that my check had not arrived, per my complaint of XX/XX/2018 to the Consumer Financial Protection Bureau ( Complaint # XXXX ) I kept calling Freedom Mortgage because I was totally stressed out about their not having received my check. They kept telling me it was most likely the fault of the Postal System. On XX/XX/XXXX I again called but was again told ( name withheld ) that my check had not arrived. I suggested that it might be stuck in the mail room somewhere. I was told that this was not possible because checks are processed as soon as they arrive. Well, I called again on XX/XX/XXXX and was informed by the person who answered ( name withheld ) that my check had arrived on XX/XX/XXXX but was only processed that very day - XX/XX/XXXX! I want to submit a BIG complaint about Freedom Mortgage for their lies and their inability to process my check in a timely fashion. They do this every month, sometimes as late as just a couple of days before the XXXX of the month which is typically the date after which one is charged a late fee. This stressed me out completely because I have a very good credit rating and I do not want this affected by the gross negligence of Freedom Mortgage. I am very sorry that my last mortgage company sold my mortgage to Freedom Mortgage which has not shown to be an efficient or trustworthy mortgage company.
Capital one has charge back away more charges then what was authorized I have file disputes as including of our police reports of identity theft yet they continue to take the merchant 's word over mine and of charge back over 600 dollars of charges on my credit cards but they can't validate them. I show 2 in screenshots I has some information I show screen shots and they still reversed the the adjustments after I report fraud so they're not backing behind their fraud prevention. They have charged me XXXX for a website I can't access for jobs when I have a job. They can't show signature for delivery of something I allegedly authorized XXXX for. Tracking that says it was delivered and it wasn't. A plane ticket when they see I'm in XXXX XXXX.
Wells Fargo is reporting incorrectly on my credit report. The loan was assigned to ASC and said it would be removed. They are no longer the servicer for this loan. The loan number has change. They sent me a letter with no address for the new loan number. I have call several times and Wells Fargo has wrong information in there system. I 'm currently in a bankruptcy and the property was surrender. This should had been removed form both loan in XX/XX/2015
I have made numerous attempts to resolve this matter with this debt collector. They notified me that they no longer serviced the account, then they later submitted documents from XXXX XXXX that clearly state " THIS IS NOT A BILL. '' They have not proved that I owe these bills, nor that I am the one responsible for receiving these services. 

I filed an identity theft complaint with the Federal Trade Commission in XXXX and there have been numerous unauthorized accounts not created by me. I am awaiting the results of this investigation before filing a complaint in my local courts.
We reached out to CitiBank on XX/XX/XXXX when I realized that my promotional balance expired on XX/XX/XXXX. I explained to them that I thought it expired in XXXX and asked to get the interest charges waived as a courtesy. 
I received a response on XX/XX/XXXX at XXXX ET with the following message : We received your recent email regarding your account. 
Unfortunately, your promotion expired on XX/XX/XXXX with a balance remaining unpaid. Under the terms of the promotion the deferred interest charges have been added to your account. As a courtesy, we will waive {$210.00} of the interest charges if you will make a full payment of {$350.00} on or before XX/XX/XXXX. Once your payment has posted to your account, you may submit a request for the adjustment. 
Please let us know if we can be of further assistance. 

We made the requested payment on XXXX for the amount and before the date. I reached out again on XX/XX/XXXX asking for the interest to be waived since we made the payment as asked by the deadline. Citibank responded that they were unable to execute the interest charge adjustment. 

This is deceptive and unfair where an agent requested for a payment which we made and then wouldn't follow through with their commitment. There was a financial impact on the agent 's actions.
Equifax not only suffered a security breach for several months, they neglected to notify affected parties in a timely manner. They also are only offering a single year of identity protection, and persist in charging for credit freezes to mitigate damage going forward.
Equifax has a incorrect information related bankruptcy Chapter XXXX related XXXX XX/XX/XXXX The correct information should reflected Bankruptcy Chapter XXXX -Discharge-XXXX XX/XX/XXXX I asked many times Equifax to make a correction with Chapter XXXX with no success.
XXXX has that I owe {$15000.00}. My car I got through them was stolen XXXX XXXX. And my insurance paid off the balance
Sent certified letters to TransUnion XXXX regarding validation of debts received and signed for on XXXX/XXXX/XXXX @ XXXX as well as another certified letter on XXXX/XXXX/XXXX @ XXXX. Company sent statements to consumer as verified as accurate and updated. TransUnion failed to validate debt as stated in letter received by TransUnion. Consumer contacted Recorder of Deeds for Oklahoma and verified that they DO NOT report to credit reporting agencies. TransUnion failed to mark consumer report within 30 days as DISPUTED BY CONSUMER according with Federal Law FCRA 623 ( A ) ( C ).
A stop payment was placed on an item from XXXX in the amount of XXXX today, the item is currently pending out of the account as of today, XX/XX/XXXX. This item is a charge from XXXX for insurance on a car rental, the reservation is from yesterday, XX/XX/XXXX. XXXX, the car rental company, charged additional insurance at time of vehicle pickup. Their rep failed to see insurance was purchased prior. I spoke with an XXXX rep earlier this evening named XXXX, she was able to refund it but there is a stop payment fee in the amount of XXXX charged by TD Bank. I need this refunded
I received a letter dated XXXX stating because my loan was paid on time, I qualified for a recast that would lower my monthly payment and was totake effect on my XXXX XXXX payment. I have been working to resolve theissue and have spent 39 hours on the phone over 11 days. Nationstarhas not made any adjustments and/or provided the correct documentsregarding my recast. I received paperwork that was incorrect and did n't nnot reflect the amount quoted. Ive tried to resolve and work with themregarding the issue but can not find anyone with the knowledge to assistme. I was forced into paying the higher mortgage amount for XXXX with having written documentation that I would not have too.
I went to XXXX XXXX downtown to trade my car in and purchase a new vehicle..While under the impression my car was being traded in, i found out i now have 2 car loans on my credit..Now that the new car is repossessed, I'm having a hard time trying to get my credit fixed when i told the manager that i was under the impression that it was a trade in.. I feel this is fraudulent
I opened a CD account with POPULAR XXXX on XX/XX/2016 online. Towards the end of session online I was told that I should be receiving a welcome package with signature card in 5-7 days. On NOT receiving the welcome package and signature card I have been calling POPULAR XXXX and each time I was told if I did not receive the welcome package and signature card in 5-7 days, I should call them. Since then I have telephoned POPULAR XXXX on XX/XX/2016,XX/XX/2016 and XX/XX/2016 for the welcome package and signature card. Still I have not received them. I like to receive the Official CD either online or by mail. I need your help in completion of signature formalities and my Official POPULAR XXXX CD for my account. Thank you.
Earlier this year, I had some old student loan debt sold to a company called Unisa Inc. Www.unisainc.com.  I have had consistent problems with them processing my automatic payments to a consistent schedule. They claim it is impossible to predict when my payment will be deducted from my bank account. It is a considerable amount of money, so it is very important to me to know when I will be debited. I have talked to them in person, but they say can not be resolved. 

On XX/XX/2018, I was debited my full amount and then on XX/XX/XXXX I was debited the full amount again. My payment is only supposed to be paid once a month. I called their customer service on XX/XX/XXXX as their website had no record of the second payment being authorized. I was accused of authorizing the payment on my own, which I did not do. The person I talked to said he could see the payments in his system. He did apologize and told me they would count the second payment towards XX/XX/XXXX and not debit me again until XX/XX/XXXX. I agreed. Again, no date was given when payments would be processed when I asked. 

Today on XX/XX/XXXX, I was debited for my usual XX/XX/XXXX payment. As of today, there is no record on their website showing this payment. Only in my online banking. 

Another consistent problem is Unisa never displays the correct amount of my automatic debits. I have three loans with them which are debited from my bank account as a lump sum. Their system only shows one loan amount as being debited, not the full amount of the lump sum. Each of the three loans are different amounts and it appears to be random which amount will be shown in their online account history. I complained during my phone call with them on XX/XX/XXXX, but was told the customer service rep could see the proper amounts being debited from my account and offered no reason why the online system does not display the full amounts. He just told me not to worry about it. I do not know if Unisa has been calculating my payments properly against my loan as their system does not display the correct information. I do not trust them, but can not afford to pay my balance outright. 

I have also tried to add Unisa to my home accounting software and it never shows up as being a legitimate business. This has never happened to me before across several loan companies. I am very worried about them.
I purchased a vehicle in MD in XX/XX/XXXX. My credit was not good and I needed a vehicle because my previous one was out of service. I accepted a {$500.00} down payment with a 24.999 % interest rate. I was not financially literate at the time and just took what I could get to have a vehicle. The purchase price of the car was around XXXX and now over 4 years later of making on-time payments, I still owe a little overXXXX on the loan and the car is only worth $ XXXX- {$2000.00}. I do n't have gap insurance and I feel that I was a victim of predatory lending and need assistance. I have already paid over XXXX on this loan with over XXXX remaining. I want to get out of this loan, but my options are limited. I have even considered getting another car and returning this one to the finance company as a voluntary repo, but really do n't need another negative mark on my credit history. The car dealer involved was XXXX XXXX XXXX XXXX XXXX XXXX, MD and the finance company is Regional Acceptance Corporation based in NC, they are a subsidiary of BB & T bank. Any and all assistance will be greatly appreciated. 
Thank you.
Capital One changed the terms of {$60.00} ANNUAL fee to a $ XXXX  MONTHLY fee. 
The obvious purpose is to get you to be " late '' for the fee so that a Service Late Fee can be charged. 
If this is missed, due to electronic payments, then a {$35.00} late fee gets missed and a 30-Day Late charge is sent to the Credit Bureau. 
Capital One has refused to reverse the report to credit Bureau. 
Credit bureau has refused to do anything about it.
I have a credit card with   XXXX   XXXX   XXXX  , I was overcharging and I feel I was discriminated by them and I ask them and several occasions to lower the interest rate and they refuse and I ask them to close it because I will never able to catch up.consequently they accept to close the card and I will continue to make payment. Before the payment due date They still calling me and harass me on numerous occasion. I made my payment and   XXXX   XXXX   XXXX   reports to the credit bureau that I was late 90 days which is incorrect and I have document to prove that because I paid them through my bank account. because of that I was denied a job by a company. I would like for you to step in and discuss the finding with them
Last week I became the agent for power of attorney for my elderly aunt. She was the victim of mail fraud in the distant past. I would like to see her current credit report to make sure the information is correct and ultimately freeze her credit, because she no longer needs it and I wish to protect her from identity thieves. Thank you.
I HAVE AN ACTIVE ACCOUNT WITH CREDIT CENTRAL IN WHICH THEIR COLLECTION PRACTICES ARE HORIFFIC. THE MANAGER HAS CALL 2XS FROM HER PERSONAL CELL PHONE IN WHICH I HAVE A COPY, AND THEY CONSTANTLY CALL EVEN AFTER I HAVE SET AN ARRANGEMENT MY ACCOUNT IS 9 DAYS PAST DUE AND THEY EXPECT FOR ME TO LEAVE MY JOB AND DOWN THERE AND SET AN ARRANGEMENT I ADVISED THE LADY IM NOT COMING DOWN THERE UNTILE I AM INTENDING ON PAYMENT WHICH WILL BE TUESDAY OF NEXT WEEK TODAY IS JUST THURSDAY. ALL OF MY REFERENCES HAVE ASKED NOT TO BE CONTACTED AND THEY ARE STILL CALLING. THE ONLY REASON THE REF 'S DONT WANT THE CALLS IS BECAUSE THEY ARE SO RUDE AND ABUSIVE WITH THEIR WORDS AND ITS NOT THE REF 'S DEBT ITS NOT FAIR FOR THEM TO TAKE ANY ABUSE ABOUT MY DEBT.
On XX/XX/18 I made a payment of {$38.00} on my XXXX XXXX XXXX   credit card account. This brought my balance from {$290.00} to {$260.00}. Unfortunately, on XX/XX/XXXX Equifax erroneously reported a past due amount of {$76.00} which resulted in a derogatory account being reported on my credit history. Furthermore, I called the creditor, specifically XXXX XXXX XXXX, who verified the account was not past due and was never reported to Equifax as having a past due amount.

As a result of the erroneous reporting my credit score dropped and/or declined by 28 points. I've disputed the error and/or erroneous reporting with Equifax, demanding correction of the erroneously reported past due amount and reinstatement of my original credit score. Unfortunately, Equifax has not responded to my request neither has it restored the 28 points lost due to its erroneous reporting.
I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XX/XX/2016. I REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST 8 OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH XXXX. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH XXXX AS WELL AS EXPERIAN. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX XXXX INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM XXXX AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED XXXX, ATTEMPTED TO CONTACTED EXPERIAN AND XXXX ( HAD THE ISSUE PARTIALLY RESOLVED )
XX/XX/2018 While checking my credit report, I found a Capitol One card  on XXXX that does not belong to me. The following is from the credit report : CAPITAL ONE BANK USA Account # XXXX Original Creditor - Company Sold - Account Type Revolving or Option Date Opened XX/XX/2018 Account Status Open Payment Status Pays account as agreed Status Updated XX/XX/2018 Usage 93 % Balance {$9200.00} Balance Updated XX/XX/2018 Credit Limit {$10000.00} Monthly Payment {$92.00} Past Due Amount - Highest Balance {$9200.00} Terms M Responsibility Authorized User Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I. Capitol One a. I called Capitol One. They do not have any active credit card with my SSN other than my valid XXXX account. 
b. They were not able to identify another account under my name. 
c. Capital One gave me the following credit bureau number to contact : i. XXXX  : ( XXXX ) XXXX II. XXXX a. XXXX put a fraud alert on my account through the automatic system. 
b. When I got a live person : i. XXXX was unable to help me with the account. The person I talked to only had the same information that was available on my credit report. 
ii. He gave me the XXXX Dispute phone number : ( XXXX  ) XXXX and a follow-up number : ( XXXX ) XXXX iii. When I called the Dispute phone number, the person would not give me the full account number ; however, the last 4 digits are XXXX. ( XXXX ) iv. XXXX  is submitting this as a fraud investigation. They will contact Capital One as part of the investigation. 
v. They will mail a copy of the investigation results within 30 days. 
vi. They suggested that I file a police or FTC report for this fraud.
Chase sent me mails dated XX/XX/2018 stating that they cancelled all my credit cards as they see too many requests for credit. There are 7 credit card accounts in total they closed and 6 of them have annual fee. As Chase cancelled these cards on their own, not on my request, i requested them to refund the annual fee charged since i haven't utilized all the benefits of the credit cards for the full year. However, Chase refused to refund the fee and was not able to provide their terms and conditions that would allow them to keep the annual fees in case of account cancellations by Chase. I request you to refund the annual fee on my 6 credit cards.
I would like to submit a complaint against ( Diversified Consultants ) regarding unknown cable account ( s ) XXXX for {$260.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Diversified Consultants ) provided me with any type of notice regarding the account ( s ). ( Diversified Consultants ) never mailed me any letters or communicated with me in any manner  regarding this alleged account ( s ). I mailed ( Diversified Consultants ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Diversified Consultants ) are reporting on my credit report ( s ). ( Diversified Consultants ) has not responded to my letter requesting debt validation with proper debt validation per the FCRA and FDCPA but continue to report the unvalidated/unverified account ( s ) to my credit reports. Therefore, I contacted the original creditor ( s ) XXXX XXXX XXXX listed on my credit report ( s ) that ( Diversified Consultants ) claimed to be collecting for. XXXX XXXX XXXX, the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) for  {$260.00} with their company ( XXXX XXXX XXXX XXXX and nor did they ( XXXX XXXX XXXX ) assign any account ( s ) in my name to ( Diversified Consultants ). These erroneous entries being reported by ( Diversified Consultants ) are detrimental to my overall credit rating and have caused me injury, both financially and emotionally.