WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion has refused to issue a copy of my credit report ( free state report and free adverse action report ) after more than 16 requests. They have blocked my access to my report through their website at www.Transunion.com which instructs me to call their phone number. The phone call leads to several transfers and eventually I am dumped to a voicemail. Each time I am transferred I request a copy of my report and am told that my report is handled by either the " special handling department '' or the " priority department '' depending on who I am speaking to. I believe this is in direct retaliation of taking prior legal action against Transunion more than 1 year ago. This seems to be an intentional action that they take upon any person whom has filed any legal actions against the company, which is designed to confuse and frustrate consumers and make it overly burdensome and extremely difficult to obtain copies of consumer reports. Additionally, this action prevents any report from being free as mandated by Georgia State Law and the FCRA when postage, printing and paper costs are forced to become involved in the request. 

I have recordings of several phone calls demonstrating my request for my credit report multiple times before being sent to a voicemail. At this time I am not attaching a copy of those phone recordings due to privacy reasons, as they contain my giving personal identification information to the agents at transunion, but redacted copies may be available soon if needed.
Reference ID : XXXX My name is XXXX XXXX and my account was limited {$420.00} I was advised Any money in my balance will be held for 180 days, after which an email with instructions about transferring your money. I haven't received any emails. I tried withdrawing funds and it will not allow it.
I am filing this complaint because XXXX has ignored my request to remove the listed UNAUTHORIZED inquires from my credit report. I have contacted every creditor and they have reassured me that these inquiries should be removed immediately as they were submitted without my permission, yet the Credit Reporting Agency continues to list inaccurate, misleading and unverifiable information. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
This is a follow-up complain to yesterday 's complain : XXXX.
I was able to finally talk to someone yesterday after I submitted the complain. I explained to them that I will get paid this coming Friday, etc. but they did not want to reverse the 2 overdrafts in the amount of {$72.00}. Today I am being charged again with another {$36.00} overdraft fee.
This is really abusive in their part after I called and explained the situation.
The resolution for these two complaints would be to reverse the charges.
Yesterday ( XX/XX/18 ), my son and I both received phone calls from National Credit Systems , Inc saying that we needed to call immediately regarding an account for my son. He and I called together right away and my son gave them permission to speak to me since he is XXXX years old. We were told that they had just taken over an account for an outstanding balance from when my son moved out of his apartment in XXXX, Florida in XX/XX/2018. We were told that the full amount of {$2500.00} had to be paid that day and that if it wasnt my sons credit would be negatively affected. After some conversation with the rep ( XXXX ) from National Credit Systems, my son and I both thought we heard her say that the account could be settled for {$1300.00} if I paid right then, so I gave her my credit card information. When she came back on the line to confirm, she told me that she had charged my card for {$1900.00}. However the miscommunication happened, that was not the amount I thought I was agreeing to so I told her to please void the transaction. First she told me they were not able to do that. When I insisted, she transferred me to her supervisor ( XXXX ) who said that he could void the transaction, but if the account was not paid in full that day that my sons credit would be negatively impacted. When I asked about payment arrangements, he said that he would not authorize any payments on this account since I was making him void the credit card charge and that my sons credit was going to be negatively impacted by this. My son called back today ( XX/XX/18 ) to try to work out a payment plan and was again told that payment in full was required and that he was going to ruin his credit if he didnt pay right then. He asked for something in writing showing the exact amount and stating that payment in full was required and was told that they dont do anything by mail or email and that they will only handle accounts over the phone. I dont know how any of this is legal, but even if it is, this certainly isnt fair business practices.
Trans World Systems contacted me regarding XXXX debts. I am XXXX years old and XXXX. I asked them to please send me copies of the bills because my dad had me on his XXXX medical insurance and I was told " we do n't have to " My dad contacted XXXX, and XXXX told him that they paid these people and to get copies of the bills because they are not allowed to charge me for these services because they have been paid in full. 

They also are reporting me to the Credit Agencies even thought they have not contacted me about this debt.
Nationstar mortgage i feel discrimated and cheated.They send repeated bills with wrong amounts saying I owe.On XXXX XXXX which is the date my current mortgage amount us due i owe XXXX to get current with XXXX in suspense.9 days later i owe XXXX with only XXXX in my suspense my suspense should not decrease unless they mail it back to me.So my suspense decreases by XXXX and the amount they say i owe increases by XXXX it should be the other way around.Makes me question wheres my money going.I filed for a home modication due to change in income no contact as of yet.I feel cheated and ignored
RE : CASE # XXXX Bank of America There was identity theft and identity compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
BANK OF AMERICA did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of " XXXX '', " XXXX '', " XXXX '', XXXX ''. 
Payments were made and reversed by above mentioned company " XXXX '' USING MY IDENTITY TO XXXX TELEPHONE AUTOMATED SYSTEM. 
I ASKED Bank of America THAT THE CHARGES BE TAKEN OUT OF MY BILLING WITHIN 30 DAYS AS OF XXXX. 
PLEASE HAVE THE INSTITUTION LET ME KNOW WHEN THE CHARGES ARE REMOVED.
ON  XXXX    XXXX   I TOOK A SMALL LOAN OF  XXXX  FROM THIS COMPANY WITH A INTREST FEE OF 625 % WHICH I DID N'T NO OF AND THEY WAS CHARGING A FEE OF  XXXX  EVERY PAYDAY AND NOTHING GOING TOWARDS THE LOAN. AND I WAS FORCE TO CLOSE MY ACCOUNT BECAUSE THEY WAS USING DIFFERENT LOAN ID 'S TO DEBIT MY ACCOUNT AND NOW THEY SENDING ME THREATENED EMAILS SAYING THAT THEY GONE SEND MY INFORMATION TO A THIRD PARTY WHICH LOAN ID IS #  XXXX . AND THAT 'S ANOTHER ID THEY USING .ITS FRAUD AND THEY ARE UNLICENSED.
Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).  Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are  required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 &  617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have tried to get the loan modified and I was given bad information resulting in not enough time allowed to modify before the sale date. I did receive help from the hardest hit fund, and the balance does not reflect properly considering the payments that were made by the hardest hit fund.
I have contacted XXXX, Equifax, and XXXX  several times via phone and online on many occasions in regards to inquires that I did not authorize or was not familiar with.I get the same results, it makes look like i have been begging for credit and i have not.I am trying to get finance for something and it makes it difficult when they are checking credit and i inquires from places I didn't inquire credit from.I have disputed and reach out to the bureaus several times and they say the same thing over and over, The companies need to either send of validation or it needs to be removed. The following inquires that were not authorized are the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX I
Attempted to get an underwater loan on a second home re-financed, including lower interest rate and principal reduction. After 2 yrs. XXXX XXXX has outsourced to Seterus, and we were offered a lower interest rate only. New payment became more than previously, due to fees and interest accrued. ( my spouses business failed & our income declined ) With principal reduction we could afford the mortgage, but they stated this could not happen due to XXXX loan rules. Is this true? We constantly re-filed paperwork that had been " lost '' throughout the years, with no offer ever being made until now.
Portfolio recovery reports an open account with a XXXX balance on all three credit agencies. under me being joint borrower, I never joint borrowed with my ex spouse nor do I know what this debt is. 

They report it twice leaving off digits of the account # 's but yet both trade lines end in the same account number example one trade line says XXXX the other tradeline says XXXX both showing different start dates yet shows original amount owed as the same I have disputed this thrue other means and directly with them but they refuse to remove this as it is not mine nor report it as closed since the balance now says XXXX.
Everyday I receive at least XXXX calls from Navient on both my cell and work number.
On XX/XX/XXXX my mortgage was sold to Freedom Mortgage Company I made my first payment with them on XX/XX/XXXX. I begin receiving phones call from them indicating that they had not received my payment. I then contacted my bank, XXXX XXXX XXXX and they investigated and concluded Case ID : XXXX, that the payment had been received by them. Then in XX/XX/XXXX I made my second payment XX/XX/XXXX and found out that this company applied my XX/XX/XXXX payment to XX/XX/XXXX. Then they begin calling me for a XX/XX/XXXX payment, on XX/XX/XXXX I made a payment for XX/XX/XXXX and they have applied that payment to XX/XX/XXXX and now are calling for a XX/XX/XXXX payment. In XX/XX/XXXX I spoke to XXXX ID # XXXX @ XXXX who informed me that my XX/XX/XXXX payment was misapplied and that it was found and everything was straighten out apparently it's not and I'm continuously receiving calls for payments that I've already made. Once again my bank is involved and they can't understand what the issue is either considering that they have already provided an investigation into this matter, because once again they're saying that this all goes back to my XX/XX/XXXX payment that they didn't receive.
Last year I had tried to sign back up for school, my deferment when I made it was for a year when I called I was told I was in default and it was only put into their system for 3 months and to get it out I had to pay {$600.00} that day to start any payment arrangements. I never got a phone call or letter in the mail explaining my deferment was up or anything about payment options. When I asked if I could make any type of payment arrangements I was told no. So after I hung up I never got another phone call until 2 months ago I got a letter stating I owed {$12000.00} and it was due 2 weeks after receiving it in the mail.
I have applied for American Express Delta SkyMiles Credit Card on XX/XX/2017, and got a mail directly to my home a week later, say that I got approved and the card should arrive within 7-10 business days.
However, I did n't received that after 4 weeks. On XX/XX/2017. I chatted online with one of the representative online, and they claimed the card was lost and promised a replacement will arrive on XX/XX/2017. I still did n't get that on that day and I had to contact them again. This time they kept dodging my questions and did n't admit the card was lost. They said the card would finally arrive on XX/XX/2017, exactly a month after the application and the card was sent an address different from my home. I believe there must be something in their system since I chose to let them send the card to my home address, which was always my billing address and I can not get approved if the address is wrong.
I applied for that card because I want to use that to buy fly tickets for my trip starting on XX/XX/XXXX and now I am unable to use any benefit of that. Moreover, the flight ticket has risen by about {$100.00} during my visiting. I have contacted their customer service and they can not provide a satisfactory solution.
back in XX/XX/XXXX I trade in a XXXX XXXX XXXX for a XX/XX/XXXX XXXX XXXX to XXXX, TX XXXX and was told by the dealer not to make XX/XX/XXXX payment because it would mess up the pay off amount. I also at the time did have possession of the XXXX which was being financed through capital one. Needless to say I looked at my report and XXXX XXXX had me reported as delinquent for the month of XXXX despite the care not being in my possession. I disputed it twice with XXXX XXXX with no resolution. I also disputed it with XXXX and they came back saying XXXX XXXX is correct despite it showing on my credit report that I had another at that time frame. I call XXXX about this issue and they told me that XXXX XXXX was responsible and then I called XXXX XXXX and they placed the blame on the dealership. I feel that I have been the one did wrong during this situation. both companies were paid and I had something negative placed on my credit report.
the bank is asking for one month mortgage payment for the right to renew my loan which is not expired. this is in addition to my regular monthly payment when I originally contacted them I asked for the new rate and a reason for the additional monthly payment, they sent it to me after the date that was required to get the new rate, they are saying that they can change my original interest only loan to a principle and interest loan but if I pay an extra month mortgage payment then I can stay at an interest only loan. however this is not anywhere in my mortgage contract. I feel this is a violation of the truth in lending act. the banks position on this is they can charge it even if it was not part of my contract. I disagree you cant change a contract just because you feel you can I feel I am being discriminated against and that the bank has violated the truth in lending act. when I spoke to an alleged person who works for the president his position was take it or leave it.I believe we have had enough bullying by banks and that we can do anything we want to you attitude. 
nowhere in my contract does it say that I would have to pay an extra month payment for the right to maintain what I have .I am not objecting to the rate increase, just the extra payment, and now it is past the time when I am eligible for maintaining. 
If your agency does not have jurisdiction over the truth in lending act please let me know who does
I have asked the companies to remove these unauthorized inquires and they say it is the credit reporting agencies responsibility. They are unauthorized inquiries.   They are listed below :   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   All Banks   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  All Banks   XXXX      XXXX   XXXX   XXXX       XXXX   XXXX      XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg.   Agencies  XXXX   XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   Auto Financing  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX    Miscellaneous Reptg. Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX    Miscellaneous Reptg.     Agencies  XXXX     XXXX   XXXX   XXXX       XXXX   XXXX     Miscellaneous Reptg . Agencies  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Utilities   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX       XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Miscellaneous Reptg. Agencies  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Mail Order Firms   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX  Automobile Dealers, Old  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  Complete Dept. Stores   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Automobile Dealers, New   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   Auto Financing  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   Credit Unions   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.      XXXX   XXXX   XXXX       XXXX   XXXX   XXXX      XXXX   XXXX     Auto Financing   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX   XXXX  Personal Loans Cos.    XXXX   XXXX  FLA    XXXX   XXXX   XXXX    XXXX   XXXX  Telephone Companies WF  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX .
This complaint it will be proof that PennyMac Holdings, LLC, never have legal standing, RIGTH, and legal capacity to enforce or collect funds-money from me related XXXX XXXX my property located in XXXX County Florida at XXXX XXXX XXXX XXXX, fl XXXX. The servicing of this loan was done in violation of that F.C.R.A and F.C.D.P.A and H.U.D.. OCC and many others agency in the federal level and State, including violated that T.C.P.A.
On XXXX. XXXX, XXXX, I renewed my pawn contract with XXXX XXXX XXXX XXXX XXXX and the due date was extended to XXXX XXXX, XXXX. On the due date, I made full payment of US {$140.00} to redeem the pawned goods, an engagement ring ( 14K gold ) given by my boyfriend in XXXX who later became my husband until his death in XXXX. After about an hour, the pawned ring could not yet be located. The customer service personnel named XXXX took my celphone # and promised to call me once the item is found. Shortly after stepping out of the office, I returned to retake the money paid since the pawned ring was not handed to me anyway. XXXX gave me back the US {$140.00} earlier paid & erased the annotation " all ready paid '' written on the pawn contract. A male officer then wrote on the same pawn contract the words " missing will find. '' Until now, I received no call or letter from the company. I dropped by their office on XXXX XXXX & XXXX, XXXX but still there has been no update of the lost item.
Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, Equifax, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Equifax since you told me to file separately against each credit bureau.
In XX/XX/XXXX AES was discharged in bankruptcy. They refuse to stop harassing me or remove the debt. I continue to get bills, statements and everything from this company. I have sent them bk discharge papers numerous times over the years including copies of my credit reports showing it was discharged in BK in XX/XX/XXXX. They will not remove it, respect the judges decision and continue to break the law. Once the BK fell off of my credit report, they put it back on with 10 yrs worth of interest. I am looking for a attorney but I am being denied credit and my credit limit is being limited because this debt is being reported. They are currently in contempt of court. I sent a certified cease and desist letter.
I payed {$450.00} to have their appraiser appraise my home, to have my pmi removed from my mortgage. I had no choice but to use their appraiser. The aprraisal came back XXXX under comparable homes. They apparently used the XXXX properties that would be in the banks favor to prevent me from having my pmi removed. And their appraisal is final. When I complained to Bank of America, they told me to go refinance with another bank if I could. If I knew the process was so flawed I would never of spent the {$450.00} on the process! My appraisal of my property was XXXX and witg the included document you will see that the median of recent sales is XXXX.
On XXXX XXXX, XXXX, I became aware that several credit inquiries had been made on my credit report. These inquiries were the result of identity theft, in which someone used my personal identifying information to apply for and or obtain credit cards and make fraudulent purchases. One of the credit cards applied for was an XXXX credit card issued by Synchrony Bank. I contacted Synchrony Bank and let them know of the fraud. I then followed up with a request for the information used in opening the account, including the IP address. I included the name of the investigator working on the case, a notarized Affidavit of Fraud and a copy of the police report.This was mailed on XXXX/XXXX/XXXX. I did not receive the information that I am entitled to under the Fair Credit Reporting Act. As I have stated, I am entitled to this information by law. I would like to find out who has done this and the information I requested may help me to do so.