WillisBack/dataset-financial-user-claim huggingface dataset:
Contact Transunion about a glitch that they had in XXXX they deleted my collection and inquiries and then 2 days later they were reinserted without proper notification representative was fully aware of glitch they had back n XXXX he replied that they had an issue with XXXX but it is fixed right now that my credit score was not hurt with this issue and I told the representative that I do n't have XXXX I have XXXX which is a company that I pay {$15.00} dollars a month that monitors my XXXX credit bureaus along with the fico score and that I called them first to see what went wrong why they put the collection and inquiries back and they told me that there is nothing wrong with their website that they only report what XXXX, TRANSUNION AND XXXX report to them and that my score, collection and inquiries remained the same for XXXX and XXXX that the only issue was with Transunion and XXXX is from XXXX so that 's why I called Transunion and the representative did not wanted to help me he told me that he could n't help me about it that everything is back to normal I explained to customer care that they did not follow the proper procedures sending notifications in writing to customers about this issue that I was demanding for the items to be delete due to not receiving any notification from Transunion customer care replied sorry but he could n't do anything that it is not a Transunion issue. 
The following are the inquiries that were deleted XXXX XXXX,,, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX , ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX,,, XXXX XXXX,,, XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX/XXXX XXXX, ,XXXX XXXX, ,XXXX XXXX, ,XXXX/XXXX XXXX ... 
XXXX Account # XXXX Account Type Collection services Balance {$270.00}
XXXX, XXXX  and Equifax placed a 90 day security Alert on my credit reports without my permission causing me to be denied a mortgage and alternately causing me tremendous financial harm, In XX/XX/XXXX I was about to close on a {$600000.00} Mortgage. The Broker informed me I could not be approved until all the consumer statements were removed. However, on XX/XX/XXXX, I was denied my mortgage as a result of a consumer statement being re-added without my consent, Around XX/XX/XXXX, I contacted XXXX, Equifax and XXXX to remove any consumer statements XX/XX/XXXX I contacted XXXX and other furnishers to remove any consumer statements XX/XX/XXXX XXXX, Equifax and XXXX Placed a consumer statement and a 90-day Alert on my credit reports. I never requested a consumer statement or a 90- day alert. A consumer statement must be requested by the consumer, it can not be added by the Furnisher or Credit Bureau without the knowledge and request by the consumer. 

" Personal Statement ( s ) XXXX & XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/XXXX. '' Specifically : " APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. '' *implies it is coming directly from me, it IS NOT! 

**I am requesting the 90-day security Alert and consumer statement be removed immediately. I did Not authorize it and having the statement display has caused me financial harm and it will continue to cause me harm until it is removed. I do not need a consumer statement to protect my Identity because I have purchased XXXX XXXX # XXXX and XXXX 's credit monitoring products, which they both advertise will protect me from fraud and Identity theft.
I am being charged for a medical bill that should have been covered through XXXX, however the bill was never submitted to my insurance company. I was never contacted by the hospital about the bill, and was only notified recently after the hospital sent the bill to collections, and now I owe a debt that I should n't have been required to pay in the first place.
XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, WI-XXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. 

I want this removed off my credit report on all three agencies immediately and also a letter from montgomery ward saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this.
I have a home mortgage with XXXX XXXX & got behind on payments. I was working with an XXXX XXXX & was told to send {$5000.00} & it would bring my account current. I sent the funds in the form of certified checks from my bank, XXXX XXXX XXXX, broke down into XXXX checks like I was instructed to & mailed where I was told. I sent XXXX overnight & have proof of delivery & copies of these checks. They were wrote out to XXXX but XXXX XXXX never received these funds & it was never credited to my account. Instead these checks show being deposited into " JP Morgan Chase Bank '' I have never had an account with Chase Bank. This was done XXXX 2014 & now this total with XXXX XXXX has accumulated to {$28000.00} due to getting further behind, lawyer fees, foreclosure fees, etc.. because we were trying to modify our payment & that did not happen when JP Morgan Chase Bank allowed whomever to deposit these checks into their account. I along with my bank ( XXXX XXXX XXXX ) have reached out to JP Morgan Chase Bank to return these funds, get information on who 's account these funds were deposited into and they have been very uncooperative. JP Morgan Chase Bank refuses to give me my money back & claim that the certified checks were XXXX party when they were not. The checks were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not receive them.
Credit leaked from Equifax in XXXX, they never notified me and now I have inquiries on my account that I did not make ( have n't applied to new insurance, mortgage, credit cards, or anything else that I can think of. ) No notice, no assistance was provided, but yet the credit bureaus stand to make a huge amount of money off this by marketing their protection products, and I have to pay THEM to freeze my credit when they collected it and leaked it without my consent.
i found out about a debt owed to XXXX XXXX and XXXX XXXX ( XXXX ) after it went to collections. XXXX had a last name that i had not used in over 20 years, and they claimed that they sent several letters to notify me of the debt. Unfortunately, not only did they have my wrong last name, they had my wrong address. The only way i found out about the debt was because of a drastic drop in my credit score, prompting me to review my credit report. The problem i have with this is, XXXX is the same organization that pays me monthly through the military, and sends me annual XXXX, so i do n't understand how they could not have my correct address to properly notify me of the debt. Now it has been turned over to 3rd party collections, and the fees alone are now more than {$1200.00}. I dont mind paying the debt that i owe, but i dont feel that i should pay {$1200.00} in fees if XXXX failed to confirm receipt of debt notice. I can prove i am in their system because they have been paying my paycheck monthly, for the 24 years that i have been serving in the military.
I initially took out the Title loan on XX/XX/2018. I was lied to about the fees, the amount to be paid monthly, and the payoff process. I thought I was getting a 6 to 12 month loan. NOT A 30 DAY LOAN!! THEY FLAT OUT DECEIVED ME. DECEPTIVE TRADE PRACTICES FROM START TO FINISH.
In the prior CFPB complaint ( XXXX ) in which I requested a validation of this account - the company Lending Club provided me with a ( 1 ) page  document ; which is attached, giving me only their snapshot of accounting and said the original creditor was named XXXX, and they closed the CFPB complaint without relief. The 1 page document they provided did not even list a contact person or phone number at Lending Club, or XXXX, and made the following outrageous claim that they were supplying me with " Other included items are written agreements and amendments, if any, payment transaction history, supporting documents, and if applicable, certain disclosures evidencing the existence of the above referenced loan number ''. You can take a look at that case number and clearly see they have sent me no such supporting documents, statements, signatures, etc that they say they sent. When I call Lending Club they have no clue how to help me, they said the debt was sold to XXXX XXXX XXXX. They are reporting my account as a charge off on all ( 3 ) credit bureaus as well! So many FCRA rules being broken and damaging me.
All of a sudden I started to receive texts about an account that I did not open. It is in INCREDIBLY hard to speak to a representative without providing your card number or SSN. 

When I finally did get to speak with someone they simply said to reply " stop '' to the text messages but did not spend time to look for the account to ensure that it was not open fraudulently. 

Shortly after, I began to get transaction information of the purchases being made. These transactions are happening in XXXX, CA. I do not live in XXXX, however, my phone number area code is from that area.
My primary complaint in all of this is Equifax, none of this would have happened if my personal information had not been part of their data breach, and now they are making it very difficult to correct an incident of identity theft. I learned via XXXX XXXX that I had a new credit card on my Equifax report on XX/XX/XXXX. The credit card was from a bank in XXXX XXXX I had never heard of called XXXX XXXX XXXX   ( FDIC XXXX ). It turned out that this bank had only used Equifax to approve the credit card even though the applicant had provided an address in XXXX, FL. A city and state I have never visited, let alone lived in. Instead of Equifax flagging this as possible fraud, they just changed my address to the address in XXXX. I have been working with the bank and filed an FTC report to have the fraudulently filed credit card resolved. In the meantime, I have asked Equifax on 3 occasions now ( 2 via website and 1 via phone ) to have the address removed from my credit report address history. I have sent them copies of bills and identifying information showing that my address in Utah is current and valid and has been for several years. They send me reports that show they have deleted the address, but then instead of deleting it, they just moved back the month I had apparently moved to XXXX ( first from XX/XX/2018 to XX/XX/2018, then when I filed the dispute again they moved the date from XXXX to XXXX ; one of these dispute forms they sent me is the attached document ). Equifax 's customer service is a brick wall that is impenetrable. I spent an hour on the phone on XX/XX/18 with 4 different operators, one of whom 's English was so bad it was obvious she was guessing what I was saying and then reading prompts from a script. The other credit agencies have been very easy to work with ( XXXX and XXXX ) but when I speak to their customer service agents, they inform me that the incorrect information was given to them via Equifax 's records, so only an Equifax investigation will result in the information being removed.
On XX/XX/XXXX, my XXXX credit card was charged twice for a dollar each by Experian even though I never requested any services or reports from them. I then requested XXXX to issue a new credit card number due to the fraudulent charges, and haven't used that card since. On XX/XX/XXXX, my XXXX account was charged again twice by Experian for {$29.00} each. I still did not authorize any services from Experian that would result in these charges. I called Experian to attempt to see what services they were charging me for and to ensure they were cancelled, but I was left on hold for XXXX minutes without being able to speak with anyone about these unauthorized charges.
I opened a Store Credit Card Account with XXXX XXXX back in XX/XX/XXXX. I paid down a significant amount on the balance. I owed only XXXX dollars. When I traded up to a new wedding ring set this past year, a different account was opened under my name but with my spouse as joint. We were quoted a new minimum monthly payment of XXXX dollars with a new balance under 7500 but the very first billing statement from XXXX XXXX  stated XXXX dollars as the new balance with the first minimum payment of XXXX dollars! I immediately disputed this amount along with the balance. A 60 day investigation was opened and XXXX XXXX informed me I would not be charged additional interest fees during this time. When the investigation was complete, I was still charged interest and the balance increased well over 1000 dollars. XXXX wanted me to pay XXXX as the very first payment on the account. I tried to resolve this with XXXX XXXX and leaned I was being charged double interest and double monthly payments on two separate balances! My spouse and I were not informed of these terms In-Store by the Assistant and Store Managers. We also did not agree to these terms. I was never given a copy of my new account contract, only my Sales Receipt that showed XXXX dollars as a minimum monthly payment. I tried to return my new wedding ring set but XXXX XXXX Corporate refused to take it back and XXXX XXXX  still wanted XXXX dollars I did not owe them! XXXX XXXX and XXXX continued to call my phone from restricted numbers, so I asked for a Cease and Desist. I filed a Consumer Complaint with my states Attorney Generals Office and the only contract XXXX XXXX could produce was from the previous account opened in XXXX. XXXX XXXX and XXXX XXXX  could not legally produce a contract with my legal signature for the new joint account. I disputed the account numerous times with all three credit bureaus with TransUnion making the process very difficult. The account was finally closed in Fall XXXX. However, XXXX and XXXX XXXX continue to add delinquent payments to my credit reports! They seek to destroy my credit and Ive never been late on any of my other accounts. They now harass me with billing statements on a Closed account after Ive asked for a Cease and Desist. This activity should be deemed illegal. XXXX XXXX XXXX owns XXXX XXXX and they have already faced possible Federal Action for their illegal crediting and finance practices. How do I get them to stop reporting late payments on a closed account with terms I never agreed to? How can they keep doing this when they cant produce a contract with my signature stating I agreed to these terms?
Navient ( at the time known as XXXX ) gave me a ridiculous interest rates ( some > 9 % ) on my private student loans and required me to have co-signers. It is my belief that it was discrimination at work because of my XXXX name. Friends of mine also with no credit history ( like me ) but not with XXXX names were able to obtain loans with reasonable interest rates and without co-signers. I asked XXXX at the time why this was and they could not explain and said that 's what the market rate was without further explanation. I have suffered great financial pain in repaying these loans as a result of the ridiculous interest rates.
1. Shell credit Card / Citibank ( South Dakota ), N.A. Shell billing Statement XXXX XXXX, Card ... XXXX, added {$27.00} Fees Charged. Shell Representative, XXXX, XXXX, on XXXX, stated my payment was 30 days late. It was mailed XXXX XXXX, XXXX. She could not delete a late payment. I have been with Shell sense XXXX, with no previous problems. Request late payment be deleted and credit my account and no effect on my credit rating which is over XXXX. Shell Consumer Payment Dept., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KY. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX TX XXXX CiTi Card XXXX Shell Card XXXX Thank You, Senior Citizen, XXXX XXXX XXXX. XXXX XXXX. XXXX, XXXX XXXX  XXXX. XXXX XXXX
on XXXX XXXX, 2017 I issued a wire transfer of {$20000.00} to another member of my family who has an account in coinbase ( XXXX account ). The money was never received, nor was it returned.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. Please help me get these items off my credit report so I can move on with my life. I really need attention to this matter as I now have full custody of my XXXX year old son and need to get this resolved. 


XXXX XXXX XXXX XXXX XXXX ( XXXX  : XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX  ), XXXX XXXX XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX  : XXXX  ), XXXX XXXX XXXX XXXX ( XXXX  ), XXXX  ( XXXX : XXXX   XXXX : XXXX ), XXXX XXXX XXXX ( XXXX : XXXX ), XXXX  ( XXXX  : XXXX, XXXX,XXXX,XXXX Equifax : XXXX, XXXX ) XXXX XXXX XXXX ( Equifax : XXXX  XXXX  : XXXX  XXXX  : XXXX ) , XXXX XXXX XXXX ( Equifax : XXXX  ) , XXXX XXXX ( Equifax : XXXX ) .
A Western Union money transfer # XXXX was sent to me XXXX XXXX some weeks ago while I was traveling and since then WU has refused to honor the transaction on more than one occaision.
Wells Fargo Dealer Services has consistently denied me opportunities to bring my account current and avoid delinquent charges, harassing phone calls and damage to my credit bureau reports. 

On several occasions collections and customer service representatives refused to accept reasonable payment offers while demanding payment in full ( several payments + past due charges ). These seemingly institutional denials have caused unnecessarily accruing past due fees and delinquency reporting. 

I called tonight ( XXXX/XXXX/15 ) to apply for a deferment, which I was denied several times prior because my account was greater than 45 days past due. After describing my situation for several minutes with my customer service representative, XXXX [ not sure of spelling ], she advised me that she would have a supervisor review my account. She returned from an extensive hold to notify me that the supervisor denied my claim because I was only 30 days past due and have greater than 50-months remaining on my loan. I asked if there was formal guidance for her decision, which seemed arbitrary. She transferred me to the collections department. 

I described my situation again to XXXX in collections, who advised me that she did not think I qualified for a deferment and transferred me to my account manager, XXXX XXXX whom I have spoken to several times prior. On other occasions XXXX misrepresented himself as a supervisor ( admitting that he was only second voicing a call ), each time he has shown an unwillingness to consider a payment arrangement. Instead he demanded payment in full by end-of-month, most likely to benefit his bonus while sacrificing my further delinquency. Tonight XXXX sounded almost intoxicated while explaining arbitrary reasoning for not considering my request for a deferment. I insisted on speaking to a supervisor and was transferred to XXXX. 

XXXX answered the phone with an abrupt, harsh tone and eventually attempted to justify the reason for the customer service supervisor 's denial. I explained my short-term hardship, which included medical expenses from my wife 's recent XXXX. XXXX responded with the most disturbing statement imaginable, stating that a death would be considered a short-term recoverable situation but not my wife 's XXXX and subsequent periods of unemployment. I nearly choked when I basically heard her say that if my wife had died they might consider a deferment!!! Please listen to tonight 's recorded XXXX minute call beginning at XXXX EST.
Sent letter to credit reporting agencies telling them the inquiries on my report are unjustified : the actions fail to comply with FCRA Section 604.   The letters are attached below.   Credit Agencies replied stating they did not need to investigate, verify, or remove inquiries.   Credit Agencies failed to prove  3  requirements and failed to remove inquiries from my credit reports
Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX XXXX. I wonder why Equifax, XXXX   and XXXX report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
a charge for {$79.00} from XXXX on XX/XX/XXXX. i called discover card customer service on XXXX to dispute the charge. they agreed to do so on XXXX but did not. on XX/XX/XXXX they agreed to reverse charges and did not.
Re : Complaint # XXXX, XXXX and XXXX. Wells Fargo Mortgage continues to stonewall both CFPB and me hoping I will give up on both of you. I refuse to capitulate despite the enormous hours spent bringing this issue to resolution. WFM is now one week late in providing it 's response to my disputed reply to their last " explanantion. '' They charged me an undisclosed, non-itemized charge on my mortgage refinance despite State law requiring details on any bank charges in a closing statement. A so-called " delinquent escrow '' charge they have now disclosed was impossible since I did not have an escrow account prior to the refinancing and have canceled checks showing that all insurance and property taxes were paid and current at the time of the refinance XX/XX/2014. This behavior continues and the headlines this week confirm a culture of deception and delay by Wells Fargo. Further, the ASC representative in a recorded conversation actually asked me why I did n't inquire at the closing about the charge for an " unpaid principal balance '' which now they detail as a " delinquent escrow '' account charge. It 's time, again, for CFPB to support this effort and require Wells Fargo to remove the charge from my statement and clear any implication that this consumer ever had any delinquency with them.
Ok so my servicer is navient. I got a letter from XXXX XXXX XXXX stating that they mailed me an authorization form ( flat out LIE ) and that I never sent it back to them so they are canceling my payment arrangements. Now I see that Navient wants to charge me XXXX a month for this loan. When I was approved for the IDR why wasnt this third loan included and why didnt the third one pop up until later?? I cant afford XXXX dollars per month and I can see why there is a lawsuit against the company. XXXX XXXX XXXX is a bunch of incompetent XXXX. I called them about their XXXX letter and the guy acted like he had no clue what I was talking about.