WillisBack/dataset-financial-user-claim huggingface dataset:
After hearing of the XXXX breach, I tried to take corrective measures for protection. I went to the TransUnion website and attempted to call, multiple times I received a busy signal that hung up on me. I then followed some trails and found I could sign up online for Fraud Alert on my account ... so, I completed the forms to create the online account. After I completed this form process, the next webpage it took me was immediately back to the original page to begin the form process to create an account again. I entered all the same information and at the end it indicated I had an account already and to sign in. I entered my username & password, after pressing the LOGIN button it brought me back to the LOGIN page again ... again, I entered my info and it sent me to a page that was attempting to reset my password. I thought perhaps this would finalize my ability to have access to place a Fraud Alert ... it asked for all my personal information and then a security question that was not the question I selected in the signing up process ... 

This entire process has been complete XXXX, it 's vacuuming up all of my info as it refuses me access, I am being ran around into useless loops on its website as its call line continues to give me a busy signal and hang up on me. It should not be this difficult to place a Fraud Alert on my own credit report.
Someone has hacjes my bank account and is trying to use it to wire themsedes money I know who it is
I sent a dispute to transunion on XX/XX/XXXX disputing an XXXX XXXX ( Docket # XXXX ) which was being reported on my credit report. Once I submitted this dispute via mail I also sent on on XX/XX/XXXX via FAX. I did n't get any feedback from Transunion so on XX/XX/XXXX I filed a complaint with the CFPB in regards to the matter. Once said CFPB complaint was filed I sent them a copy of the CFPB complaint and original dispute letter via fax and U.S. Mail. On XX/XX/XXXX they sent a response via the CFPB that the Bankruptcy and XXXX XXXX in the amount of {$50000.00} were both removed and no longer reporting on my credit report and that in 5 to 7 business days I would have an official letter from Transunion stating such. I decided to contact Transunion to confirm said response as on XX/XX/XXXX I applied for a loan only to find out both were still being reported. So I contacted Transunion on XX/XX/XXXX and was on the phone for well over 40 minutes only to find out that the items were not being even investigated. I then faxed a copy of the dispute to them. On the call they stated I have not sent in a specific letter which is untrue.
This company has been calling me everyday for the past few months and hanging up without leaving a message, or leaving a message with nobody speaking except people in the background. I called XXXX of the numbers back today and they said they are " Transworld Systems Incorporated ''. I gave them my number and they said they do n't have any record of calling me, my number is not in their system so there is nothing they can do. The numbers they have called me from are XXXX, ( XXXX, and XXXX
I had 4 lines with XXXX XXXX, had an account with them for 5 years. In XX/XX/XXXX I called them and told them that I would be disconnecting my service. Out of the 4 lines on my account, there was one that had a contract on it. The phone was completely bought outright almost 2 years prior and I was told on XX/XX/XXXX that the contract would end on XX/XX/XXXX. I recieved a letter from XXXX dated XX/XX/XXXX stating that the bill due was {$400.00}. I called them, spoke to a representative on XX/XX/XXXX who then stated that the amount due was {$590.00}. Since I disconnected my service in XXXX, all of a sudden I was hit with a huge bill for {$880.00}. I could no longer access any bills on the website and I then called XXXX XXXX and requested copies of the bills for the past few months. I did not believe that I owed them the above amount. I recieved a collection letter dated XX/XX/XXXX for {$880.00} from XXXX XXXX. I then received copies of the bills directly from XXXX XXXX dated XX/XX/XXXX. How could I possibly be in collections for a bill and I hadn't even recieved a billing statement? I have no idea. One of the things that XXXX kept saying to me was that I was always billed a month ahead. Well if I was billed a month ahead for service, how in the world could I owe such a huge amount? As I looked over the months bills, I see that they charged me {$140.00} for early termination. I should not have been charged this amount. That still doesn't add up to {$880.00}. In XX/XX/XXXX I called XXXX and could not get through to billing or a live person since I no longer had service with them. I was transferred and given automated information stating that the account was now with a collection agency out of NJ -XXXX. I was not sure who that was. Surprisingly I received another collection letter from North Shore Agency out of NY. I went online last week - XX/XX/XXXX and put in a request for them to contact me as I wasn't sure who to dispute with or contact regarding the incorrect amount. I made a payment in the amount of {$85.00} online with the company and all of a sudden I was hit with a collection on my credit report. Before hitting my credit report I expected to hear directly from them regarding the amount in question. I reached out to both XXXX XXXX and Northshore agency as I wasn't sure who handled the account. The above amount is in question and I don't believe that I owe the original creditor XXXX XXXX {$880.00}.
Navient demanded my payment in a VERY short notice upon notifying me that a payment was due. This caused me to delay payments on my other financial responsibilities. On XX/XX/2016, I was charged a {$150.00} fee to place XXXX of my Navient signature private student loans in forbearance at {$50.00} per loan with the XXXX private loans that I have an account with. Furthermore, the forbearance terms are HIGHLY unfair to the borrower as the forbearance period is only available for 1 year through the life of the loan. There are no protections for the consumer if they undergo a financial hardship or an unemployment period. Additionally, I can never receive a clear answer to questions from account managers regarding terms of the loan or interest rate information. In a steadfast manner, I am demanding a FULL refund of the {$150.00} forbearance fee that I paid to place my Signature private student loans into forbearance ASAP. Please notify me of how this refund can be processed. I really do hope that the lawsuit between the CFPB and Navient is successful in the CFPB 's favor. Navient is treating their customers so horribly that they do not have options to protect themselves from the BULLY 's that set policy 's in Navient 's regard. XXXX to those who work for the CFPB that are helping consumers receive fair treatment. Thank you for processing my request.
I had a  XXXX  credit card through   XXXX   XXXX  . I was behind on payments and they sent it to  Central Credit Services LLC for  collection. I called them on  XXXX   XXXX    XXXX   and made payment arrangements to pay off the balance of  XXXX  I arranged post dated payments which were made by direct debit of my checking account. I was given the impression that this would pay off the balance and that would be the end of it. I received my next statement and the balance was almost the same and I saw a late charge had been added which was more than my payment. I called central credit back for an explanation. they explained that the charges were added into the 6 month payment plan. I finished the payment plan and now  XXXX  is calling me for the remaining balance of  XXXX . They show no record of payment arrangements.No one can give me a copy of what I was told over the phone. I feel I have been scammed by Central Credit and  XXXX  I have other  XXXX  accounts and none of them have done this or offered to.
XXXX  improperly billed for an incomplete improperly installed HVAC home improvement project. The project financed remains incomplete, does not comply with state and local codes, is unsafe as installed and in dispute. No payments have been made on the account. Billing began in    XXXX    2017   , with the subseq uent three m onths showin g 30-60-90  days late payment. In  XXXX   XXXX  finally issued a statement ( due  XXXX   XXXX   2017  ) showing no amount due and no late payments. The  XXXX   2017  statement was sent to all   XXXX   credit reporting agencies to dispute 90 day late account report. Result of investigation from all  XXXX  credit reporting agenci es (  XXXX , Equifax and  XXXX  ) wa s to remove the single 90 day late for  XXXX     2017  from credit report and not remo ve the 30 a nd 60 days late for  XXXX  and  XXXX   2017  on the credit report. This is incorrect as all billing,  XXXX ,  XXXX ,  XXXX ,  XXXX  was and remains premature and statements from  XXXX  forward now show  XXXX  due and  XXXX  past due.
On XX/XX/2018 around XXXX XXXX, I deposited 2 cheques for {$200.00} each at a Chase Bank ATM in the city where I live and the cheques got stuck. They issued a temporary credit of {$400.00}. After 3 weeks I received a letter that since they could not find the cheques, they are reversing the credit. I called the XXXX-XXXX representative and the local bank and all they could do was apologize. They just advised me to ask the cheque issuer to send me replacement cheques. I deposit a lot of cheques and of course it is hard for me to trace who issued them. It is so frustrating and I am very upset about this.
XX/XX/17 : I am writing to complain about a company who self-identified as " NCS ''. They have been calling me everyday for the last three months looking for my brother. I have asked them three times to take me off their list and told them I do n't know how to contact my brother. When I asked how they got my contact information, they refused to tell me. 

I later spoke with my grandfather, who is 94 years old, and he told me the same company called him inquiring about my brother ( his grandson ), only this time they were calling him for a " job reference ''. That is a lie. They asked him several personal questions about my brother and our family, including contact information, employment information, location information, and debt information. Thnking he was helping my brother, my grandfather gave NCS the information they requested.

I work in legal aid and sit on a statewide committee to end elder abuse. NCS knowingly took advantage of my aging grandfather, lied to him to obtain personal information he would never give otherwise, and led him to believe this was in benefit of his grandson. This alone warrants an investigation into NCS, accordingly to CA law.

Please take this complaint seriously and investigate.

I will be following up. Thank you.
XXXX   XXXX  ,2017- $   XXXX  - Ca ll  XXXX   XXXX  and ask them to remove this off my credit report because was my Ex-wife Account. she fill Bankruptcy.  XXXX   XXXX  call my Ex-wife  (   XXXX   XXXX   ) a nd said because you fill Bankruptcy we will put this account on your Ex-husband credit report.
I am XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.
I was told by discover that because they did not receive personnel information even though I showed them I sent them the information on there XXXX there was XXXX balance and now the credit report agency is holding it against me because I was told by discover because I was in the hospital and they did not receive they can not do nothing but hold this against me I think this is unfair when the card had a XXXX balance and I tried to explain it its discriminating an individual
There are several address on my credit report that I have never lived at. I don't think it really is hurting me but I would like for them to be removed. XXXX XXXX, XXXX, OH XXXX,XXXX XXXX XXXX XXXX , XXXX  , TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX,XXXX XXXX XXXX XXXX , XXXX, TN XXXX. My current address has always been XXXX XXXX XXXX XXXX XXXX, TN XXXX.
Money transfer failed to credit account after 20 days. 

Transferred XXXX XXXX to XXXX XXXX on XXXX XXXX XXXX. 
The money was shown as received on the XXXX XXXX XXXX but the company has failed to credit my account as of XXXX XXXX XXXX. 
I have made numerous attempts to contact their customer support via their own web portal, email, social media, telephone and I have had no direct response. 
I have submitted numerous support requests and tickets and only received an automated response containing irrelevant information. 
The support case case ID is XXXX
Transunion is reporting an old debt from XXXX XXXX - its older than 7 years old - the debt was opened XX/XX/XXXX paid in full XX/XX/XXXX. its also being reported as 30-59 Days Late when the loan is paid in full. 

i tried to obtain financing for a car recently and was denied to this old debt being reported. this is affecting me tremendously
Hi my name is XXXX Im being a Citibank bank client for 7 years. My financial situation is like a roller coaster because I have XXXX so when Im in good heath I work full time but sometimes I get I XXXX XXXX   XXXX  and I ended up in the hospital so thru since XX/XX/XXXX to today XX/XX/XXXX Im being charge {$1000.00} overdraft fee and return payment fee. When I call they dont want to help at all and when I went to the Citibank facility I explain to them my situation and they not willing to help its hard to being nock the door and no being heard and on the top of all I got a friend of my who work on the XXXX facility as a teller when she was training her draw was short {$700.00} and the manager said it was ok so. Me as customer being maltreated felling like Im begging for money. When i trying to apply for checking plus they told I dont qualify cuz I dont have a social security.
To whom it may concern, I writing this letter to dispute the inaccurate reporting on my credit report from XXXX XXXX XXXX ( XXXX XXXX ). According to my report # XXXX from XXXX, pages 9-15 ( see attached ), there are consistent updates indicating that my account was in an ok status ( as in paid ) between the years of XX/XX/XXXX through XX/XX/XXXX always around the same time of year, between XX/XX/XXXX and the beginning of the following year. The items are also on my XXXX bureau reported the exact same way. These items have already been updated and dropped from my XXXX  bureau. 

The reason this creates a challenge for me, is because XX/XX/XXXX I was diagnosed with a XXXX XXXX condition called XXXX and less than one year later XX/XX/XXXX, I woke up XXXX in my XXXX XXXX because my XXXX XXXX overnight. Two weeks later, the same thing happen to my XXXX XXXX, woke to a XXXX XXXX. About a month or so later, I was diagnosed as legally XXXX and XXXX. At the time I went XXXX, I was enrolled in school and had to drop out due to my condition. In XX/XX/XXXX, I had my first XX/XX/XXXX XXXX and the second one in XX/XX/XXXX. During these years my family suffered a great hardship due to the lack of income as you can probably imagine and I was unable to make payments on my loans during that time. I currently still have XXXX in my XXXX and will continue to take XXXX and XXXX XXXX in my eyes for the rest of my life. 

So, its hard for me to imagine where I would have came up with the money to make one small payment on one loan, let along 12 payments across all the loans spread out every year near or around the exact same time, for a span 2 to 4 months, consistently. Considering I wasn't cleared to return to work until the beginning of XXXX and didn't actually find a job until XX/XX/XXXX. 

I understand the law says if you have an account in collections, it will usually remain on your credit report for seven years plus 180 days from the date the account first became past due and never was brought current. However, this reporting appears to be an abuse of this very law. By this being reported as current at times when there was no way I could even pay, this will end up on my credit for another 4 years and at that time, this will have been on my credit for more than 10 years. This appears to be deliberate attempt to extend or reset the seven year plus 180 days rule for automatic removal from my credit, which in turns hurts me and my family even longer after going through a critical 5 year span in this decade already. 

I have gone through student loan consolidation, Im currently out of default and making normal payments on time. My wife and I have XXXX kids in college now and these closed collection accounts are negatively impacting my credit scores, thus prohibiting us from recovering and moving on with our life, supporting our children through college and qualifying for a mortgage. These items are reported are absolutely false and need to be removed.
XXXX XXXX, XXXX. My wife and I are XXXX and live at XXXX XXXX XXXX, The Villages XXXX. I am a XXXX XXXX and was simply attempting to refinance my home to pull some additional cash out on a new VA loan to complete final home XXXX. 
I had refinanced almost 2 years earlier and pulled almost {$100000.00} of cash out of equity on a VA loan to install hardwood flooring throughout, a 16X20 fully functional square footage screened in XXXX, new paint throughout, irrigation system, landscaping, etc. My VA appraiser then was XXXX XXXX, assigned by the VA to appraise my home on the golf course and her result 17 months ago was {$320000.00}. That was fine as I took the cash and made the over {$50000.00} in improvements. 2 months ago, we decided to do our last refinance and pull additional cash out to install a gourmet kitchen, bathrooms, etc. The bank was Flagstar Bank that we applied with. Two men showed up to appraise our home in a pick-up truck one named XXXX XXXX and the other did not identify himself yet they both handed me XXXX XXXX cards and said they were also Realtors. Does n't that violate Dodd/Frank or Respa?? They paid no attention when I tried to show them the improvements that I had made and the XXXX I planned to make and were in my home for no more than 8 minutes. Being a retired real estate appraiser, I gave them some information concerning comps to make their job easier yet they did not bother to look at or take the documentation with them. In closing, 15 days later, Flagstar Bank notifies me that my appraisal was complete and the value was {$250000.00}. The comps that were used were all over 1 mile away, one was a short sale and one was a XXXX. These guys simply " mailed this appraisal in '' for lack of a better word. In closing, I will be notifying the VA today with complaints and a re-consideration of value as I have evidence of 8, YES, 8 sold comps within .35 miles of my home, on the golf course that have all sold within the last 4 months for in excess of {$370000.00}. These men should not be licensed real estate appraisers but rather they should be used car  salesman. In closing, XXXX XXXX, approved by the VA is going to appraise my home again per my request. Being a retired Executive from XXXX XXXX, XXXX, I will be writing to my former neighbor and now the Secretary of HUD, XXXX XXXX XXXX. I feel like my wife and I were taken advantage of for {$450.00} as the appraisers would not speak to us as I am XXXX XXXX XXXX and my wife is XXXX, not to mention only providing 3 comps on their valuation that were horrible, far away, inferior and useless. Please reach out to me at XXXX XXXX XXXX so I can provide you with all of my additional documentation. XXXX XXXX. XXXX XXXX XXXX
Acct #  XXXX **** ConServe claims I owe a debt of {$3000.00}. This claim is fraudulent and inaccurate, and it is being formally disputed.
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I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and  XXXX  ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
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Be aware that I am making a final goodwill attempt to have you clear up this matter.
I filed a previous complaint about this claim in collection, whereas I never got notice of the debt or time to challenge it's validity. Eastern then sent me a copy of a invoice but never proved they or their client ever sent it to me during the 30 or so days prior to placing it in collections and placing it on my credit reports. Just because you make up an invoice does not prove I owe it nor does it prove I was ever given a opportunity to challenge it, this according to Texas State Laws.
We mad a payment to Ditech for our mortgage and the mortgage company put our payment onto someone elses account. This payment was done over the phone with a conformation number given. This payment also shows a debit out of our checking account. We have been in contact with them for 4 months about this and they say they are taking care of it and have not done so. It is still showing that we did not make our XX/XX/XXXX payment.
XXXX XXXX for XXXX XXXX credit card. 
1. Charged a late fee of {$37.00} that was more than twice my monthly fee of {$15.00}. Considered illegal in Calif. 
2. Made payment on time difficult to gain late fees : A. Payment sits in P.O. Box until it incurs late fee. 
B. To pay before due date I must use a debit card, but charge {$15.00} fee to use. 
C. Had post office hold my paycheck in order that I incur late fee before can pay. 
3. Statement showed wrong amount, when I called and pointed it out to supervisor, he hung up. No explanation, no call back.
I signed up for XXXX XXXX XXXX card with a signup bonus of XXXX Membership Rewards after {$1000.00} spend in 3 months. I completed my spend on XXXX XXXX. I was supposed to get the bonus points XXXX weeks after. Never received the bonus. Contacted Customer support on multiple occasions who confirmed the offer and confirmed that I have completed the offer terms and told me that the bonus should be awarded shortly - yet the bonus has still not been received. I am extremely disappointed with how this matter has been handled. I expect XXXX XXXX to honor the offer terms without any further delay.