WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Trans Union continued reporting inaccurately XXXX XXXX Mortgage Installation Accounts XXXX and XXXX either closed or derogatory. 
Notwithstanding Trans Union 's reply to the CFPB case number XXXX of XXXX, 2016, Trans Union has failed to update the records to reflect correctly that XXXX account still open, current and paid as agreed. 
This is my final attempt to kindly request that they correct the information prior last resort of taking legal actions, as in addition ; I have attempts to call Trans Union to resolve said, but was consistently transferred to a special " supervisors team '' who are rude and disconnect the calls or told that the system is under maintenance ''. This clearly leads me to conclude that my file has been flagged in retaliation of the complaints submitted to the Consumer Financial Protection Bureau.
Approximately XXXX XXXX, I went into Bank of America, XXXX and XXXX branch to cash a paycheck, drawn on their account. Despite having a business account with them, they claimed I had to have a personal account or they would have to charge me a 'non customer fee ' of XXXX dollars. Again, this check was drawn on their account! Essentially, they have my money in their vault and refuse to give it to them without their " taste ''. Extortion. In California, there is a law that a paycheck must be able to be cashed without a fee. Please look into this and help to rectify this money grab. 
XXXX XXXX
***** NOTE : this complaint was originally submitted to the OCC on XX/XX/XXXX. The OCC sent it to the CFPB. The CFPB accepted the complaint and assigned number XXXX and sent to Chase. On XX/XX/XXXX, I called the CFPB asking if I could attach supporting documentation and the analyst XXXX suggested he cancel the original complaint and asked me to submit a new one with the support documentation.

***** COMPLAINT : ( 1 ) Chase offered a {$200.00} bonus to open a checking account online and make a direct deposit within 60 days. ( 2 ) The ad for the promotion ( attached ) defines direct deposit as : " Direct deposits can be an ACH credit, payroll, pension or government benefits such as Social Security. '' ( 3 ) The confirmation document Chase sent me when I opened the account ( attached ) defines direct deposit as : " Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits such as Social Security from your employer or the government. '' ( 4 ) I opened the account on XX/XX/XXXX. ( 5 ) The {$500.00} electronic deposit from my paycheck was made on XX/XX/XXXX. See statement attached showing the electronic deposit. The Statement also shows in page 2 that Chase recognized the electronic deposit as a Direct Deposit.
( 6 ) On XX/XX/XXXX I contacted Chase through the secure messaging center asking about the {$200.00} bonus. They replied that the electronic deposit on XX/XX/XXXX did not meet the requirement. I replied that the {$500.00} electronic deposit was from my paycheck. I own a XXXX XXXX XXXX, XXXX XXXX XXXX. I am paid a monthly salary of {$5000.00} from the company. In XX/XX/XXXX, I requested that {$500.00} of my paycheck be deposited in my Chase checking account to meet the promotion requirement. I sent Chase copy of my Articles of Organization, IRS letter approving the classification of the company as an XXXX, and a copy of my paycheck. Today, XX/XX/XXXX, Chase replied that they are not going to honor the promotion. According to them, the {$500.00} deposit was not a direct deposit. I disagree. ***** ATTACHMENTS : ( 1 ) Copy of the ad with the terms of the promotion and defining what is considered an electronic deposit. ( 2 ) Copy of document confirming the terms of the promotion. ( 3 ) Articles of Organization for XXXX XXXX XXXX. ( 4 ) Letter from the IRS approving the classification of the company as an XXXX. ( 5 ) Copy of my paycheck. ( 6 ) Bank Statement from XXXX XXXX XXXX business checking account at XXXX XXXX XXXX XXXX showing the {$500.00} electronic deposit into my Chase Checking account on XX/XX/XXXX. ( 7 ) Bank Statement from my personal Chase checking account showing the {$500.00} electronic deposit on XX/XX/XXXX ( within the 60 days timeframe for the promotion ). Page 2 of the statement recognizes the {$500.00} as a Direct Deposit. ( 8 ) Exchange of emails with Chase Customer Service trying to resolve the issue.
I placed {$1200.00} in my Bank of America credit card account. Bank of America reduced my credit limit by {$1000.00} and took {$1000.00} of the {$1200.00} fr from my account. The {$1200.00} was an attempt to lower the admittedly high balance and to begin resurrecting my credit. Not only is appropriating the funds unfair but it serves to further unsettle my credit standing. Furthermore, I am in fear that BOA may take money from checking account. I can not even close the account without realizing further credit penalties ( BOA is my longest opened account ). Finally, the credit report used was based upon inaccurate information. However, if it were accurate, lowering the credit limit and then appropriating funds can not be an ethical - even if legal - practice. Please return the {$1000.00}. 
I do not care if the credit limit is lowered ( in fact, that would mean smaller monthly payments ). I am employed ( XXXX ) and I receive social security. I work hard to maintain my credit. This action only serves to undermine my financial health and efforts to demonstrate credit worthiness. Please help.
My loan was sold several times after the purchase of my home and was with XXXX XXXX XXXX XXXX, XXXX ) before supposedly being transferred to Freedom Mortgage XXXX freedommortgage.com, XXXX ). I make all my payments via the Freedom Mortgage website and when I needed to contact the company in regards to the servicing of my loan I was unable to enter my phone number or loan number into the automated system without being told it was n't valid. 

Once speaking to a rep with the company I was told that my loan is not with them or in their system because it 's with XXXX XXXX XXXX a sub-servicer of Freedom Mortgage XXXX. They gave me the phone number for XXXX XXXX and said to contact them. I contacted XXXX XXXX and can not even get through to a representative because neither my social or my loan number is being recognized with the automated system. The system says to call back when I have a valid loan number or social and hangs up. 

Why would XXXX XXXX tell me my loan was with Freedom Mortgage and how am I making my payments on Freedom Mortgage 's website if neither company is able to recognize my information for me to discuss my loan with anyone?
I have had past problems with US Bank in  XXXX , Nevada with late fees being charged on my checking account. Location of the branch where I first spoke with the branch manager was at  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , NV  XXXX .     On  XXXX   XXXX ,  2017 a c heck #  XXXX  was cashed and withdrawn from my account, there was a remaining balance in my account of {$490.00}, with nothing pending. On  XXXX   XXXX ,  2017 I m ade a deposit from my other  US ba nk account to this bank account in the amount of {$7000.00} and balance became {$7400.00} and also as you will see from the copy of my checking account below there was an overdraft fee of {$36.00} from check #  XXXX  when there was obviously sufficient funds in the account and looking at my online statement balance ( see below ).      XX/XX/2017    Overdraft Paid Fee  XXXX  {$36.00} {$7400.00} {$7400.00}  XX/XX/2017    Deposit View Image {$7000.00} {$7400.00}  XX/XX/2017    Check View Image  XXXX  {$870.00} {$490.00} I went to my branch  XXXX   XXXX  and she told me I had overdrawn but that I would not be able to see that because it was something they could see pending after hours. I then askd to speak with her manager  XXXX  at another local branch and she refused to reimburse the fee so I went to her superior  XXXX  who was nasty and got me irate and defended the fee but could n't show me any proof of what supported the overdraft fee and told me she was closing the  XXXX  accounts I have at their bank and that I could come pick up my cashiers check today. Every  manager  and supervisor including their corporate office could n't show any proof and said that I would n't be able to see what they see on my account. How can I be charged for something pending that they have no proof of and that I ca n't see on my account online or in person. They have done this to me in the past and this was the last straw! I feel t hat US Bank is ch arging me erroneous fees and now retaliating against me for complaining since they are proceeding to close my accounts immediately. I feel that is discrimination as well in the way they have all acted towards my complaint and grouped together and not care about resolving the issue but now saying because I am mad they do n't want my business. As far as I 'm concerned they are stealing my money.
I did request a prove of the charges and I did receive the information about another person with different address. The envelope has my name and address but inside 10 pages of bank statements, names, addresses, everything about XXXX .... 
If I receive the information about this person, who has my? 
Please help me with this Identity Theft Collection Company. 
I like to their name to be published to everyone has account with this company to check if did not give your personal information to others. 

ALLIED INTERNATIONAL CREDIT CORP XXXX - AZ - XXXX PHONE - XXXX
On XXXX/XXXX/16 I received a letter from the law firm McCalla Raymer Pierce. The letter informed me that they intended to commence foreclosure proceedings and asked to respond if I felt the amount was in error. I responded with the attached letter on XXXX/XXXX/16 that I did indeed dispute the debt amount stated. My letter was a QWR and as such, the firm 's failure to respond is a per se violation of the Fair Debt Act.
My spouse & i have banked with Wells Fargo for years, I wanted to deposit XXXX into our checking account, they ran the money through their machine and the branch manager said a XXXX bill was counterfeit. I then took my sharpie money marker and made a yellowish green mark on the bill to prove to him that it was good. He said to me "no that is counterfeit & i can't allow you to leave here with it, I insisted on a copy of it front & back, He gave me a copy of it and put the bill in his pocket of his suit. I told him we got the money from this bank, he argued that i did not. I told him that we always cash checks here & have for 25+ years. I ask him a question, "what kind of bill would i have had to cash to get back a XXXX bill ?" He replied "It didn't come from this bank:. God knows as well as we do that that bill came from that bank. I have my copy of the bill with the serial number's on it clear as water. Even though we got a checking, saving's, XXXX & an IRA with this bank and all of the tellers know us very well, The branch manager kept the money and did not once offer to re-place it. This particular bill most definitely came from Wells Fargo Bank. I have tried to get help with this & it seems it does not matter to anyone. I am considering not only changing everything to a different bank but also hire a lawyer and see what can be done about this, Just to prove to the branch manager that this bill was a good bill and definitely NOT counterfeit. I am contacting the XXXX and filing a complaint there as well. This is not right, Nor is it fair........In my opinion he just made himself a free XXXX dollars. We are very upset about this & i will not stop until justice is served. No matter what it cost me out of my pocket just to prove to him that i am right. He took our money & thinks he is going to get away with it, But he is not !!!! My opinion would be for people to beware if you are banking at Wells Fargo Bank....
NationStar acquired our mortgage from XXXX in XXXX 2014. They told us since it was an acquisition loan, that we had a 60 day grace period before making our first payment. Now they are writing us telling us that we have to pay those two months that they previously told us we had the grace period for. When I finally got someone on the phone who was willing to help me, she said she apologize, she see we was told that, but we have to come up with the money. I feel like they are bullying us, not holding up their promise, and just overall unprofessional, unorganized, and uncaring.
A debt on my credit report that is handled by XXXX XXXX XXXX, I disputed by letter. They responded that they were investigating. When I got their result, I asked for verification of the debt. They never provided final proof of the debt. 

I sent a certified letter to them in XXXX and they did receive it. However they have failed to respond to my certified letter or further communicate regarding the debt. 

This is a violation of the Fair Credit Act.
I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. Despite this fraud alert an individual at PNC Bank was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX ( XXXX IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at PNC Bank accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The individual 's name was XXXX at PNC Bank and his direct phone number was XXXX. This employee of PNC Bank acted negligently and PNC Bank needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.
Synchrony secures multiple cards that I use and their website consistently will not allow access to your account. Lowes, Macy 's and others typically put you in a loop asking for password when entered say it is incorrect. if you attempt to change when done it brings you to a blank screen, XXXX.do, always. If you call, as they offer no online services at all, you are either put on hold for over 20 minutes or given someone who speaks very little Englsih. Of course if you do not do that they just keep tacking on late fees. This is EVERY MONTH. All I want to do is pay my bill, not too much to ask. Tired of their intentional mishandling to secure additional fees. Tried filing with the XXXX but they chose to ignore the complaint and refused to respond.
I have been working with Equifax for almost the entire year to resolve their claim to put information on my credit report that has not been verified. I have sent documentation to them to ask for verification but they have failed to answer my complaint. The issue I have is a bankruptcy that I asked to be verified, they did not respond, I have a letter from the South Carolina XXXX court which states that they do not report information to credit bureaus, when I challenged Equifax, they did not answer my specific complaint nor remove the bankruptcy and items relating to it. I have hired a lawyer to fix issues where the credit company was using my son, who has the same name, his information was showing up on my credit report. All I ask is the removal of the said bankruptcy from my file since they did not respond to my complaint within the allotted time prescribed by the law. I have supporting documents, but they are numerous, I will gladly mail them to you if you request them.
They sent me a letter - we told them many times that this is not mu debt but they will not stop.
An impostor faked to a company that fixed my computer remotely. He told me that I was overcharged and that the company moved to XXXX. He wanted to send me a refund into my check card but the security chip on it hampered the move. He asked for my account number to wire the money and I did. I wired {$900.00} instead of XXXX I had paid to the company ( XXXX computer repairs ). He called me to say that he send {$900.00} into my account and that I could send in {$500.00}. I went to Western Union XXXX and sent it. ( Tracking number XXXX. 
Sender -- -XXXX . XXXX XXXX of transaction XXXX Receiver XXXX XXXX Pay out Location -- Western Union XXXX XXXX fees {$14.00} XXXX ) I will like western Union to regain and refund my money. They should verify this impostor and call XXXX law on him. I was excited to get back some holiday money but instead got exacted.
XXXX XXXX XXXX is refusing to remove a collection item from my Experian Credit Report in the amount of {$43000.00} for a debt which was cancelled by XXXX XXXX XXXX in XX/XX/XXXX. The cancellation letter clearly states that XXXX XXXX is relieving me from the debt. Multiple disputes have been filed in the months of XXXX and XX/XX/XXXX with Experian and XXXX XXXX XXXX still claims the reported item is accurate. I need this item to be removed from my credit report as the debt was forgiven by XXXX XXXX XXXX who is the original vendor. all objective evidence is attached.
Account is closed and was paid in full. Never late. Account is still on credit report showing a 60 day late payment.
I contacted Allied collection services on XX/XX/2017. I received a response form the company by mail dated XX/XX/2017 by USPS letter dated XX/XX/2017 I mailed a copy of my Identity theft affidavit on XXXX XXXX by USPS as of today I have not received a response however this company continues to report to XXXX.
I have contacted Transunion, XXXX, and XXXX via phone, online, and by certified letters on many occasions in regards to the bankruptcy, the late reports from XXXX XXXXXXXX, XXXX and XXXX. I have informed them that the bankruptcy and the late payments aren't associated with me and I have been fighting it since I noticed the inaccurate listing on my credit report. This listing is making it impossible for me to build an excellent credit history because it's being reported negatively. I have reached out to them stating the bankruptcy isn't mine and the late accounts have never been late with disputed them multiple times and nothing is being done. 

Also it should be noted that I filed a FTC complaint since my identity was stolen and my credit was checked without my permission last year. A fraud alert was placed on my account and XXXX XXXX XXXX was able to pull my credit report from XXXX on XXXX-XXXX-18 and nobody called to confirm if I was opening up a new account.
On XX/XX/XXXX I purchase a XXXX XXXX XXXX vin XXXX in the amount of XXXX dollars and my financing was with Ally who was the lien holder account # XXXX. XXXX XXXX XXXX, KY XXXX. On XX/XX/XXXX the vehicle was involved in an auto accident and was damage claim # XXXX and total out. I had full coverage insurance with XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX. On XX/XX/XXXX my loan payoff amount was {$14000.00} Ally gave me a settlement offer amount of {$10000.00} this settlement offer will satisfied the original loan payoff amount and will pay the loan off which would leave a {$.00} balance the loan would be paid in full, and I would n't be responsible if I accepted the settlement offer amount. Ally financial said they will release its interest/ title on the vehicle to my company if I paid XXXX and they said the offer was good until XX/XX/XXXX. XXXX XXXX insurance issue Ally a check on XX/XX/XXXX in the amount of {$10000.00} I had to sign the vehicle title, a letter of guarantee, and sign a Power of Attorney form giving up my rights to the vehicle and the Loan. I signed over my rights from the loan and the vehicle on XX/XX/XXXX. 
I accepted the settlement offer from Ally and they were paid off in full the settlement amount. Months later Ally came back to me trying to collect {$3800.00} from me which I do n't owe anything on this account the settlement offer forgive the original loan amount. Ally has reported this on my credit report and this needs to be remove from XXXX XXXX, XXXX, and XXXX credit reporting agencies. I had recently obtain a copy of my credit report, which contains inaccurate and out dated information reported by Ally I request that they remove the entire account from off my credit. I gave them 30 days and file a dispute with the credit report agencies, In accordance with the Fair Credit Reporting Act, 15 USC section 16811 this is unauthorized and illegal This need to be remove The following account is described erroneously and needs to be deleted The following account was close on XX/XX/XXXX but is not listed accurately on my credit report. I sign over my rights and interest in the loan and vehicle this was agree upon Ally and myself. I have attach documents to support my request. Please delete this account off my report they are wrongfully reportinf false information, and this is fraud.
I TRY MANY TIMES WITH THE CREDIT BUREAU AND THE CREDITOR TO REMOVE THIS ACCOUNTS FROM MY CREDIT BUT STIIL ALL THIS ACCOUNT ARE IN MY CREDIT REPORT.I TOLD ALL THIS PEAPLE THAT THIS ACCOUNT WONT BELOWN TO ME .THIS IS THE FIFTH TIME THAT I ORDER A NEW CREDIT REPORT AND THIS ACCOUNTS STILL IN MY CREDIT.
They keep calling my work number which is not allowed by my employer. Not sure what debt they are trying to collect as they have not sent me a letter. Call several times a day on multiple phone lines at work.
The contract was ended in 2016. The debt was written off by the company in 2016. This is no longer a valid debt. No valid contract exists.
I contacted Experian on XXXX XXXX, 2017 to initiate a dispute on my credit report. I already have a fraud alert on my report to protect myself. But this still does not protect me from hard inquiries from showing on my report. I notified Experian of these unauthorized inquiries on, initiated a dispute, was not provided the decision of the disputes, Nor was the dispute in my favor. Seeking immediate assistance.
VW Credit account XXXX The payments on this account have been reported and changed over and over. It had showed payments on time after disputed and then it changed again to show negative payment history. The reporting has been inconsistent over the several months that I have been trying to get in corrected. Each time VW Credit says the account has been verified. Clearly it is unverified because the payment history changes every month and is being reported differently to XXXX, XXXX, XXXX, and XXXX.These errors are negatively affecting my credit score, my ability to obtain credit, and my reputation. VW Credit has had more than enough time to correct or delete this information. According to the FCRA they continue and knowingly are in violation and can be held accountable for actual and punitive damages. 

I have asked the creditor to provide physical proof and verification of the payment history on numerous occasions and they have failed to verify this information but continue to report it inconstantly to the credit bureaus. It obliviously cant be correct and verified when it keeps changing and is not being reported the same to all bureaus. 

The last payment that they are reporting was made from XXXX XXXX on a payoff. It was based on a 10 day payoff and was submitted in plenty of time to be on time and should not be showing late. 

I demand that these specific and unverified information be corrected immediately!
The following closed accounts are negatively effecting my credi score. I am requesting to have the following removed from my credit report : XXXX, XXXX XXXX XXXX -- XXXX, XXXX -- XXXX, XXXX -- XXXX
I have been fighting XXXX XXXX Equifax for over a year the other XXXX credit bureaus have corrected this issue of public recordit has even been removed from the other XXXX credit agencies Equifax is my opinion keeping this on my credit score so I can have higher interest rates when applying or obtaining loansI asked if you will investigate Equifax for wrongfulpractices and reporting on consumers credit reports or if you may refer me to a legal representative to file a lawsuit against Equifax I have uploaded documentation to your services before and nothing has happen please guide me in the right direction resolve this issue