WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, I submitted disputes to XXXX, XXXX and Transunion regarding inaccurate negative information in my credit reports.These companies chose to disregard the fact that I am not responsible for these negative assessments, despite the fact I included copies of my divorce decree from XX/XX/XXXX that specifies clearly my ex-husband alone is responsible. The negative information relates to XXXX XXXX bank, formerly known as XXXX XXXX XXXX ( XXXX XXXX XXXX  ) {$8000.00} and XXXX with a balance of {$20000.00}. Under the terms of the marriage dissolution, XXXX XXXX alone is responsible for the obligations. He has defaulted and this has negatively and unfairly been applied to my credit history. Furthermore, I have nothing to do with XXXX XXXX 's XXXX XXXX account, yet, this is also in my credit history.
On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.
The only problem I have with PFS is they told me they report to all three major credit bureaus and that was almost a year ago, my loan still has not showed up on my credit. The hard hit has, but not the loan. The only reason why I bought my vehicle was to build my credit. I bought this vehicle to build my credit because I had very little. I was hoping to not even have the car this long. I was going to trade it in for something better once my score went up some. I have asked them multiple times about this and they say they are working on it that it could take another year for it show. Everyone I have spoke to says it never takes that long for a company to report your loan. I 'm sure if I did n't pay they would reported nonpayment to all three major credit bureaus in two seconds. Just very frustrating. I have made all of my payments on time with PFS even made early payments.When I went to trade in my XXXX XXXX the dealer from XXXX XXXX said my credit score was bad because I had not made any payments on my XXXX, and the credit report showed that I never owned the XXXX or taken a loan out for the XXXX. Now mind you I have proof of all my payments that I have made. They have totally ruined my credit and when I called them they said their system had been down for a year-and a 1/2 and that theyre not required to report to any credit bureaus.. please help me ... Ive reached out to them, spoke with XXXX XXXX no results. Reach out to XXXXXXXX XXXX, No results ... Im XXXX years old I shouldnt have to go through this just because I was a first time buyer. If we make an agreement it should be written in stone. Please help me. This is madness For every payment be reported to all three major credit bureaus or the corporation can have the vehicle back with no penalty or expected charges or fee due to no wrong doing on my behalf.. 

I have proof receipts of all my payments made and I also have proof of other complaints from people this year who have problems similar to mines with PFS none are good.
I have an account with coinbase. my email address is XXXX. They closed my accounts with no explanation and told me to move my USD in my wallet out. At the same time they closed all my bank accounts associated with my USD wallet. So when I tried to move money out, the system asked my to select an bank account but there is no bank accounts to select. The total amount of money in the wallet is {$5400.00} USD. They need to bring my bank account back to the system so I can transfer it out or allow me to fill in the bank account information. This issue has been ongoing for almost five months. I have send them numerous emails and called them many times but with no response so I have to report it to you. I want all my {$5400.00} USD back as soon as possible.
XXXX XXXX XXXX in XXXX Florida continued to call my home number after three seperate attempts on my part to get them to cease. On my first conversation with a representative they determined that i was not the party that they were trying to collect from but gave me that individuals full name ( violating FDCPA disclosure laws ) and they assured me i would not be called again. The phone calls continued daily. After a length conversation ( taped ) in which a female supervisor advised they couldn't always see the numbers they were calling in their system, I was again informed that I would absolutely not be called again. After that call I documented calls from ERC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2x ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were more but these are documented. 
On XX/XX/XXXX I again spoke with the company. I have advised on all three conversations that a XXXX person uses this phone line as his life line and that these calls were a nusiance and causing stress and harm to this individaul. I have since been contacted by their complaince officer assurning me that i will not be called again. He also claims this is a " call forwarding '' issue which is nonsense because the person they told me they were trying to collect from ( 2x ) had this number over thirteen years ago. I know this to be fact from the ten other companies that called in the first year I had the number. This leads me to believe that ERC participates in collecting past statute debt.
Name is improperly being reported/used/published.   My correct current name i s   XXXX   XXXX     ( F ormerly   XXXX   XXXX    ). I   have never gone by the name   XXXX   XXXX   XXXX   nor do I currently go by the name   XXXX   XXXX   XXXX   -- Please have this corrected as soon as possible.
I assisted my grandson in purchasing a car to commute to/from college. The cost of the car was {$4200.00} and the check was delivered to the auto dealer on the evening of XXXX XXXX, XXXX. My grandson returned the next day, XXXX XXXX, XXXX, to pick up his car. On the way home from the dealer, the engine experienced a major malfunction which required it to be towed back to the dealer. Given that the car dealer stated they were not responsible to repair the engine, I called my bank at XXXX XXXX my bank on XXXX XXXX. I did not make contact. I called my bank the next morning, XXXX XXXX, XXXX, at approximately XXXX XXXX in order to request a stop payment on the check. I was told the check had not cleared my account and that I could stop by the bank in person and sign the stop payment request form. I went to my bank in person before noon on XXXX XXXX, XXXX to complete the form. I was given full assurance by the bank associate handling my transaction that the check had NOT cleared and, therefore, the stop payment would be put into effect. My grandson was still in need of transportation and I helped him purchase another vehicle. On XXXX XXXX, XXXX, I was contacted by the car dealer who informed me that the check had, in fact, cleared.
Cherry Creek Mortgage in XXXX Colorado assured me after submitting at least XXXX pages of documents to refinance my existing loan that they would have a fast approval. The process started in XXXX of 2016 and had a lock rate of 3.5 %. My constant communication with them and their lack of response to my questions on status finally came to a close in XXXX after spending hours and hours of getting them everything they needed with their assurance it would be approved. In the mean time I had various requests from other lenders to refinance. Cherry Creek dragged me along after pulling credit and doing their due diligence one day just notified me, by email, out of the blue the loan would not close. No explanation, apology, or any reason after 4 months. I lost the opportunity to go with someone else at the same rate as the rates had jumped and now made no sense to refinance loan. I was astonished and very hurt that a company would make me jump through hoops and be so rude and abrupt. They ruined my chance of having lower payments. Is there not a moral and ethical obligation? I feel like all my information was transmitted to them and I abided by EVERYTHING they requested. Lost opportunity by me and caused by them. What recourse does a consumer have for this pathetic company other than warning all other Colorado residents? Thank You for looking into this quickly!
I am a mother and co signer of my daughters private student loan of {$65000.00}. When she XXXX the job choices and pay were below the standards of what she expected to make. With a XXXX degree XXXX she is only making {$11.00} and hour. Living in XXXX XXXX the cost of living is high and she can not afford to live and eat as well as pay a {$500.00} payment to Naviant. We are disappointed and angry after calling numerous times to see if they can work with her to make it possible to pay less. My daughter and I both are experiencing financial undue hardship because of this. We are considering defaulting and just walking away.. The new name Naviant use to be XXXX XXXX. They refuse to budge or work with us. They will take the chance of getting nothing $ $ from us ...
I have been struggling with Chase for my HELOC. I have been advising from Chase with many different thing. As of Active Bankruptcy of chapter XXXX, I called Chase for negotiate of my loan and to get it close due to approval of short sale from 1st lien holder. I have limited time to close but it took over 4 weeks for nothing. 
XX/XX/XXXX, I called Chase and they told me my file being service by XXXX XXXX XXXX and I need to contact them for more information. Same day, I called them and spoke to XXXX XXXX. She told me I need authorization from my bankruptcy attorney for more discussion. I have got letter sent by my attorney. I called XXXX XXXX XXXX to talk but they gone for the day XX/XX/XXXX. I called XXXX XXXX XXXX and spoke to XXXX XXXX, She told me my lien being release by Chase and decision made on XX/XX/XXXX. I asked for documentation and she said no documents to provide. OMG. I called Chase Recovery Department at XXXX and spoke to XXXX XXXX, she told me nothing to release and release lien being review by Chase. 
I dont know which one to be trust and my house is almost got foreclosure if I cant close on time as of XX/XX/XXXX XX/XX/XXXX
I have a private loan with Navient. They are continuously harassing me to make payment on my account even though I tell them I am having financial difficulties. I pay what I can, but they call continuously through the day, more than XXXX times a day! This is harassment! My parents are my cosigners and are in their late XXXX 's and are constantly being harassed as well. I make my payments they are late sometimes maybe at the most 7-14 days late, but I always pay up my past dues. There has to be a better way to have Navients workers give better options with repayment, not just telling us the only way to defer is to go back to school and or to lower my payments. I have read many reviews about Navient and they are all the same complaints, harassing phone calls, Bad customer service, and no way to better help the student with better options for repayment. I feel moore than 3 times a day calling is harassing. I am looking at seeking legal council regarding this matter.
I am receiving harassing calls from Midwest Recovery for a debt that is not mine and they put something on my creditr report. I have contacted an attorney as well.
I refinanced my condo in XXXX XXXX. When I refinanced, I had to show proof of hazard insurance XXXX home insurance ). I did that, that 's how I got to closing with the loan. When the escrow account rebalanced in XXXX, somehow, they forced their hazard insurance into my escrow account ( now mind you, I pay out of my own pocket for home insurance every year ). I called to complain about it, and it took several months to resolve. Once resolved in XXXX, there was an overpayment applied to my principal ( the overage was the insurance payment ). When my escrow rebalanced in XXXX, they did the same exact thing. I have complained to them several times. They have even done another escrow analysis and this time, they are charging me too much for my taxes. My taxes were {$1100.00} last year, this year they were reduced to {$1000.00} XXXX for some reason, the bank gave me the run around about how they were still assessing my escrow at the XXXX taxes XXXX. I informed them that my taxes had gone down, and it took me another XXXX phone calls to get it resolved. During this process, my mortgage payment should be less than {$1000.00}. Because of their inability to perform simple tasks, my mortgage payment were {$1000.00} for 2 months, then {$1000.00}. This is unacceptable that I have to pay for their lack of doing their jobs. I am now in the process of cancelling my escrow account, but I have been jerked around with this process also.
I lived in XXXX apartments in XXXX and they sent me to collections for a balance owed when I left. I settled the dispute within a few months and paid the sum of money we agreed on and I have the documentation proving so and that it is now a XXXX balance. Suddenly, new management pulled me up when I was inquiring, since I left on good terms with old management, to find a new place to live and decided I owe them all the money again and put it back in collections. they are trying to collect the money I paid and the part that was written off, which was mostly invalid, fraudulent charges and the other manager was fired over these acts, its in all the reviews. They are trying to come up with any story they can. They have no invoices and are just making stuff up, as they have nothing to refer to, no person to tell them, they are just creating a story and ignoring the invoice they have showing my {$700.00} payment and that the account was settled. They told me themselves that what I say is hearsay since the old manager is gone, well the same goes for them. They have just made up some XXXX story even though I was able to get the proof I needed. I have been treated horribly, it has caused other apts not to rent to me, I had to live in a motel for a month for over {$1100.00}, waste money on application fees, lose my place on a waiting list, and just the stress has been overwhelming.
Hi. I have applied for XXXX XXXX which is a credit card meant to help consumers pay for medical bills. I got approved for XXXX XXXX on XX/XX/2018. XXXX XXXX is by XXXX. I am using Credit Karma to monitor my credit score and when I applied for XXXX XXXX, I received a notification that my credit score went down due to a hard inquiry. I did not check details as I knew it was due to me being approved for a {$5000.00} credit limit by XXXX XXXX. 

Today is XX/XX/2018 and just a few minutes ago, I am SHOCKED that Credit Karma reported that my credit score went down again. I checked what may have caused this and now it shows I have 2 HARD INQUIRIES from XX/XX/XXXX ( by something called XXXX ) and XX/XX/XXXX ( by XXXX  ). I have checked Credit Karma FAQs and found out that XXXX   does not even exist and it is an issue consumers encounter when applying for/getting approved for XXXX XXXX. 

I am seeking help to REMOVE XXXX 's hard inquiry. It shows as " XXXX '' and it says it's " NATIONAL CREDIT CARDS/AIRLINES ''. This is an error and I did not approve nor did I start this hard inquiry. I only applied for XXXX XXXX by XXXX. 

Please advise. 

Thank you.
I am concerned about XXXX XXXX because they did not notify me that I had a payment due and as a result, my credit could be adversely affected. 

To date, I have received two statements from XXXX XXXX for a Perkins loan. 

The first stated I owed {$0.00} on XX/XX/2018. 

The second stated I owed {$160.00} on XX/XX/2018. This statement said {$84.00} of this was past due. 

My concern lies with the past due portion. My previous statement showed that I owed {$0.00} so I could not have been past due. 

I corresponded with the company via online chat. The woman wrote I owed for XX/XX/XXXX and XX/XX/XXXX. She did not acknowledge my concern and told me to check my account online. I expressed that I would have made a payment had I been notified. She did not seem to understand this. I believe this is predatory lending. 

Thank you.
What happened is I wrote several letters to the credit reporting agencies XXXX and XXXX and Trans Union and I sent them a copy of my government identification and I requested a copy of my credit report from each of them. They all never responded and none of them ever sent me a copy of my credit report.
In 2008 I got behind on mortgage. After a long time Wells Fargo foreclosed on the house. After some more time I got a XXXX with a crazy low Fair Market Value of Property of {$77000.00} & Balance of Principle Outstanding of {$190000.00}. Wells Fargo is coming after me for the difference.
I had seen my credit report and I see that they are multiple inquiries from XXXX and PayPal that I do not recognize and do n't believe making so I would like them removed.
I was seen at XXXX XXXX XXXX on XXXX/XXXX/XXXX and the nurse copied my XXXX XXXX insurance card and my personal information. She stated they ( XXXX XXXX ) would submit the bill to my insurance and if there was a charge XXXX XXXX would bill me. 

On XXXX/XXXX/XXXX I received a collection notice from Transworld for the services I received. 

I contacted XXXX XXXX to pay my bill and complain that I never received a bill nor did they submit the bill to my insurance. The agent stated " They made a mistake and sent my account to collections and I will have to pay them '' I demanded they take my payment and he refused. The customer service agent also refused to let me speak to a supervisor. After repeated demands to speak to a supervisor he promised his supervisor would call me back which he never did.
I made a wire transfer using my Chase account online. Chase then suspended my account as they thought the transfer was fraud ( it was n't ) I contacted Chase to unsuspend the account, who then asked me what my ex girlfriends DOB is. We dated back in 2009?!?! 

Now Chase wants me to waste {$1500.00} on a plane ticket to unsuspend the account. Ridiculous
Upon being denied from a lender for too many inquiries. I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquiries on my Transunion and   XXXX    report that I did not authorize and had no knowledge of. I contacted Transunion and  XXXX  immediately and was being given no help. I also request a fraud alert already to avoid any future issues. please see the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. I have investigated and none of these companies received any identification or authorization from me to pull my credit for any reason.     Transunion   : 1.   XXXX   XXXX   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX   4.   XXXX   XXXX   XXXX   XXXX   XXXX   5.   XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX  7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   1.  XXXX   XXXX   XXXX   XXXX   2.  XXXX   XXXX   XXXX   XXXX  ,  XXXX  3. XXXX   XXXX   XXXX   XXXX   XXXX  4.  XXXX    XXXX   XXXX   XXXX   5.  XXXX   XXXX   XXXX   XXXX   XXXX   6.   XXXX   XXXX   XXXX   XXXX   XXXX   7.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  8.  XXXX   XXXX   XXXX   XXXX   XXXX  9.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   10.  XXXX   XXXX   XXXX   XXXX   XXXX   11.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I am a victim of identity theft. The following accounts are all fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for {$420.00}, I been receiving harassing phone calls at my home and at my place of employment from the above creditors everyday around XXXX XXXX for over 1 year. I have received death threats and been threatened with being arrested, if I dont pay the debt thats fraudulent and dont belong to me. I informed all 5 of the companies/debtors in writing via USPS mail to stop contacting me and harassing me at home and at my job, yet they continue to contact me at home and at my place of employment. This has been going on for over 1 year. This is a major violation of The Fair Debt Collection Practices Act ( FDCPA ) under federal law, and Arizona Debt Collection state laws. The accounts are all fraudulent and unauthorized, and dont belong to me. The debt is not mine. I have been informing the debtors for over 1 year that the fraudulent and unauthorized accounts arent my accounts, yet Im steady been harassed and receiving death threats, and threats of being arrested and put in prison for fraudulent accounts and debt thats not mine. The accounts are not on my XXXX XXXX credit report, because XXXX XXXX deleted and permanently blocked the accounts from my XXXX XXXX credit report.
I have received a letter from XXXX XXXX XXXX. The letter indicated that I owe {$6400.00} to XXXX XXXX XXXX, which they are willing to settle it for half the amount. When I called them they wanted my social security number and date of birth to reveal any information to me. I didnt give any of those information, then i contacted XXXX  XXXX which they informed me that I do not owe them any money. My credit is excellent and do not owe any credit company any past due. Please look into this company. I am afraid they hurt my credit report.
Consumer background check was requested. Upon review a name other than my own was shown to on the report. Everything was identical to my information other than the first name.
I am filing this complaint because TransUnion has ignored my request to provide me with documentation that was used to verify the accounts I previously disputed. Because TransUnion has exceeded the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' of the information I disputed. Please resolve this manner as soon as possible. Thank you.