WillisBack/dataset-financial-user-claim huggingface dataset:
I was a member of  XXXX   XXXX   XXXX , which was acquired by  XXXX   XXXX   XXXX   XXXX . The process of merging, transferring, and issuing new account numbers were phased-in over three months  :  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX .      I have had a  XXXX   Visa card ( " lo an account '' ) since  XX/XX/XXXX  that I paid via my accounts page. My accounts page included my savings account and I would pay m y Visa by simply transferring money from the savings account to the Visa acc ount. During the phase-in transition however, the banking accounts ported over to the  XXXX  website in   XX/XX/XXXX , but not the Loan accounts ; those would not phase-in until  XX/XX/XXXX .      In  XX/XX/XXXX I sent a secure message to  XXXX  customer service about making my  Visa paymen t, the response was to mail it, and I was provided an address. I s ent a Bill Pay paym ent from my main banking institution to the address provided. I verified that it had been delivered. A few weeks later I receive a letter saying my payment was not received, so I sent another Bill Pay payment overnight via  XXXX  and it came with a tracking number. I verified with the  XXXX  ' website that it too had been delivered. Both payments were sent and received before the due dates.     On   XX/XX/XXXX ,  I receive a credit alert from  XXXX  that  XXXX  reported my  Visa ac count as 30 days late. The effect of this reporting tanked my  credit score.      When I called  XXXX  's customer service I was told that they were behind on processing former  XXXX   XXXX   XXXX  loan payments.
I been disputed this account two years ago and never I received response, still showing in my credit report. I wonder waht another step I have to follow in order for me to fit it. 
Thank you. 
XXXX
XXXX XXXX reported a charge off for XX/XX/XXXX payment and failure to pay I paid that account amount XXXX every month they continue to report both account one which is paid off delinquent and negative and bad credit charge off Ive been with XXXX XXXX for 27 years with out a miss payment a disagreement over a statement and payment cause them to bring me to court I never reicieved a court order in mail paid a lawyer who took my money had to deal with XXXX and XXXX law firm even them knowing I had a lawyer also payments were made out of my XXXX check which is XXXX dollars I tried in vein to make payment to the point off having someone call in payment s to law firm so payment date various due to them the collection law firm putting the payment through this ruined my credit and my life 32 years of credit 100 % payment history ruined and still XXXX XXXX n law firm continue in tased practices
This past XX/XX/XXXX I asked TransUnion to investigate an XXXX XXXX XXXX XXXX account that was either fraudulent or combined with someone else information. TransUnion investigated the about and deleted the account per the attached letter dated XX/XX/XXXX. Sometime in late XX/XX/XXXX I noticed that the same account was showing on my TransUnion credit report. I've contacted them several times with the most resent being today where I was told first told by XXXX in the " Special Handling Department '' that there was no record of the account ever being disputed or deleted. I pointed out that on XX/XX/XXXX I faxed a copy of TransUnion 's previous investigation results with yet another dispute, he acknowledged receipt of the doc 's, agreed the account in question was investigated and deleted, but said we had to go through the same lengthy investigation process. He could not explain why it was reinserted. Regardless of why or how, by allowing this account to continue to pop-up on my TransUnion credit report they are adversely effecting my ability get credit or if credit is extended it's likely come with unfavorable terms. I'm attaching my XX/XX/XXXX fax dispute and a copy of the XX/XX/XXXX TransUnion investigation results.
I reached out to the companies and transunion that had ran my credit without authorization and did not receive a response. After several attempts and weeks of trying to resolved this issue I reached out to the credit bureau and they disputed the inquiry, however the companies did not respond and the credit bureau asked for an extension. I am requesting that these unauthorized inquiries be removed ASAP. All credit bureaus have complied except trans union and continue to report this information without permission.
Trans Union is ignoring my requests to investigate and remove some accounts from my credit report that do not belong to me.
Hello CFPB, I am filing this complaint against Navient due to their negligence to negotiate affordable payments. They have harassed me with phone calls. They even sent me a holiday card saying that my balance was pass due. I have been in communication with them in order to get my loans out of default. Before my loans went into default in XXXX XXXX, 2017. I was trying to negotiate with them to lower the payments. Navient 's service representative told me that I would have to pay at least {$10000.00} in order to make it current. I told them I did not have {$10000.00} to pay. They asked me is there a way I could ask my grandfather who since he was the co-signer. I replied no, because he has XXXX. They said sorry to hear that, is there a way you can take it out of his account or retrieve the money from his 401 k or insurance policy. I told them that was very inconsiderate and no, I could not do that. After that I was told my loans would go into default and my account would go to a 3 party debt collector. A few weeks later, I began receiving called from Navient credit collections department. The first offer was if I pay 10 % down on my initial loan than my balance would decrease and be up to date. Also, I had to pay {$250.00} every month for the next 10years. The  service agent asked if I needed time I said yes. A day later, I kept getting random calls from different service agents. The only reason how I knew it was them calling because of the different voicemails I received when I got out of my meeting. I called Navient back last Thursday, XXXX XXXX,2017 in order to negotiate my loans being in default. They said that I could try to take out a PERSON LOAN from the following : XXXX, XXXX, XXXX XXXX, XXXX XXXX. I applied for all of the loans and got denied. The agent told me that I did it wrong, I was supposed to fill it out for a PERSONAL LOAN. I rechecked my accounts for the personal loans, the only loan I applied for incorrectly, were the loans for XXXX. Since XXXX already denied me a loan, they would n't give me the option of a loan. I told Navient 's customer service agent that I did not have a co-signer but I can pay the $ XXXX month. She told me that due to my account being pass due and it is being a private loan, they could do whatever they can charge whatever they wanted. I told her I am not getting approved for a loan due to my student loans being in default. They did n't care at all nor try to negotiate. I told her I dont have it and that I would be consulting a lawyerIn order to resolve this issues.
My information was compromised, someone applied for multiple credit but none of the application were approved as I had an alert on my SS #. Although they were unable to open any accounts the inquiries still show up on my credit reports. I have attempted several times within the last year and a half to dispute and have an investigation done but I have never gotten a response. The latest dispute was submitted  XX/XX/2017    and still I have no response.
This company called XXXX times in less than XXXX minutes. This happens several times a day. I have not received any mail from this company in regards to an alleged debt.
I paid my credit card bill in full and was still charged interest. When I called American Express to discuss why I was charged interest, it was explained to me that they take the average credit card balance for three billing cycles and charge you interest based on that. To me, it seems like this is what we can call triple cycle billing. I thought double cycle billing was outlawed by the CARD Act? 

Thanks.
I applied for a Citi Gold Checking account with a sign-up bonus for XXXX AAdvantage XXXX XXXX miles. I confirmed via instant chat on their website as well as over the phone that I was eligible, targeted, and had met the spending requirements to earn XXXX AAdvantage XXXX XXXX miles to be credited to AAdvantage account XXXX. They took my AAdvantage account credentials and should therefore already have this information. My husband 's complaint has been honored, and I was told to reply with another CFPB complaint of the same nature.
On XXXX of XXXX I purchased a home and was financed by XXXX XXXX, the loan was then transferred to Wachovia bank under the same account number until XXXX, and at all times the payments were reported to the credit report agencies in paid and never late status until XXXX, when the loan thereafter was transferred to Wells Fargo Mortgage, wells Fargo changed the account number of the loan to make it look like a different account and to categorize it as a closed account on the credit reports while not updating and reporting the payments that are paid and never late, my reasonable question is : How could Wells Fargo receive my never late payments and yet reports to creditors who review my credit reports as closed account. 
I have a signed letter by Wachovia 's CEO that indicates about the terms of this loan should never change even when transferred to another financial institution.
Negative information should be removed after 7 years from the credit report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, IL XXXX is reporting information that is over 7 years old. I asked Equifax to find out the date when this debt was open and became due and they just ignored my question. I also asked Equifax not to put the date of birth or SS N on the reports they send to me because my mail has been stolen several times. They refuse to do so. Negative information that is over 7 years old should be removed from one 's credit report.
On XX/XX/2019, I purchased and paid XXXX, XXXX, out of XXXX XXXX XXXX, UT, digital currency ( bitcoin ) out of their XXXX APP, but they NEVER sent me my bitcoins that I paid them, I have called them, and emailed them several times, but they will Not give me the product that I paid them. And it is now XX/XX/2019. The date of purchased was XX/XX/XXXX19, the amount that I paid them was {$60.00}, I have contacted them several times by phone and email, but they will Not give me the product that I paid them. They did me Wrong!
Navient, today, left voicemail on a 3rd party persons phone ; who does not have any ties to these loans.
XXXX XXXX XXXX account XXXX is appearing on my XXXX and XXXX credit bureaus.it has been deleted from XXXX.ERC is a collection agency for XXXX the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority and long hold times without answering.The issues were kept in a state of limbo by XXXX without ever addressing or resolving the problem.
To whom it may concern on XX/XX/2016 I went to the police station and made a police report on 14 accounts that was identified and fraudulent accounts that occurred on my police report as identity theft. All companies removed the fraudelent accounts from my credit report by Law, Three of the accounts belonging to XXXXNELNET has not been removed from my credit report.
This complaint is against American Express credit card ending in XXXX under the name of XXXX XXXX. 
Some of the charges are unknown and unauthorized and some additional fees have been imposed on them too. I tried to resolve the issue but the call is usually disconnected after long holds and various transfers. Id really appreciate if u could help me resolve this issue. 

Theres a transaction of {$100.00} on XX/XX/XXXX is which is completely unauthorized. I dont know how and why it was posted. 

Another unauthorized transaction of {$440.00} was posted on XX/XX/XXXX under the name of XXXX. 

Since I paid my XXXX tuition fee a number of times, it seems that I was mistakenly charged a {$75.00} on XX/XX/XXXX. 

On top of that, I have been charged a late fee of {$27.00} on XX/XX/XXXX and interest charges of {$2.00} and {$86.00} on XX/XX/XXXX and XX/XX/XXXX respectively. 

Id be extremely grateful if u could help me waive off these above mentioned charges and resolve the issue. 
Thank you.
Ive tried to get them to lower my monthly payment, after doing the financial work up they determined that I do not make enough but still wanted me to pay an amount I cant afford and told me its a business so they will default me. 

Ive done repayment plans in the past and they randomly kicked me off and up payments XXXX more each time. 

They refuse to give any deferment or forebarence
This is the the results from the from the so called investigation. XXXX is saying that the account is open, and unpaid, but when you call XXXX XXXX XXXX they say they sent the request to delete the incorrect information on XXXX/XXXX/2016, but Equifax sent me the following information : & gt ; & gt ; & gt ; We have researched the collection account. Account # XXXX The results are : Additional information has been provided from the original source regarding this item. We have verified that this item has been reported correctly. If you have additional questions about this item please contact : XXXX XXXX XXXX I, XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX XXXX, XXXX ; Collection Reported XXXX ; Assigned XXXX ; Creditor Class Insurance ; Client XXXX ; Amount {$84.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$84.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Collection Account ; Address : XXXX XXXX XXXX XXXX TX XXXX Like I said above, XXXX said that the account should be deleted, so I am trying to figure out what type of investigation Equifax is doing when the people who entered the information is saying that they sent a deletion request on XXXX/XXXX/2016, and Equifax is saying that the information is accurate on XXXX/XXXX/2016.
Dear Sir : I've been trying all dat today to close my Capital One 360 account and still no progress. I'm writing you because the customer service staff are giving me the run-around, transferring me, then I stat on hold. I've also written an email today. When I tried to go to customer service links or to certain links within my profile account, I keep getting silly little messages stating that Capital One site is having problems then it was the browser, etc! It really seems to me as there is a game being played on me & trying to stall me for some reason.

I only have XXXX in the account! Geez XXXX XXXX XXXX
There was fraudulent transfers and withdrawals which were made on me and my daughter 's account ( my name is on her account ) on XX/XX/18. I notified TD Bank immediately. These were coming from a XXXX, NY location. I reside and CT. The total amount that was taken was approx. {$8000.00} ( around {$5000.00} from my account and around {$3000.00} from hers. ) I did file a claim and did give the Bank a police report, called SS to freeze my SS # and called Credit Bureaus. I had to keep calling constantly to see what the status was and was told to call the fraud dept. I never was able to speak to the same person nor the actual person doing the investigation. After the 10-day business investigation period, I was told that we were not going to receive our money and that our claim was denied. At one point, I was told that it had to do with an ATM debit card transaction and then I was told that it was from an IP address and was asked if I gave it to someone. I wouldn't even know where to locate it. I totally feel that this Bank is trying to make it my fault and are making me feel like I am the criminal. I asked them to send me the investigation report and give me a case # and the IP # they were referring to so that I can have it checked by an IT person. They told me that the only thing I was going to receive was the letter from the Bank denying my claim and that the IP # was confidential. Was my information confidential to this criminal. I can't believe that is how they treat a customer that has been with them for years. Thank you for any assistance that you give.
I received a copy of my credit report and was amazed to see a {$10000.00} collection from a college I did not attend! I went to an orientation and considered attending XXXX XXXX XXXX in XX/XX/XXXX however I did not attend! I withdrew from all courses before the date that makes you financially responsible for tuition. However thousands of dollars have been put on my credit!
I signed up for a Citibank Gold Checking account in XXXX 2015 with a promotional code. The promotion was to receive XXXX ThankYou points after making two monthly bill payments. I met all the requirements and starting paying the monthly ( {$30.00} ) account fee. I have not received any points. I have contacted CitiBank about this twice and they keep giving the same response " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. We understand this is not the resolution you had anticipated. '' This statement is incorrect as the promotional code was a public code and my husband had successfully been through the process a month earlier and received his points. I would not have signed up for the bank account if I had not had the incentive of receive the points to offset the high monthly account fee.
XXXX names are not mine. Each one has an XXXX inserted into my name which is wrong. This can be checked on my social security account info which I think you have, or on my employer reports ( XXXX, XXXX ) I think.
Hello, For the past two years, Equifax has not been receiving or updating my credit file with my account information. Accounts that I had for years are showing up as basically being inactive, even though they are very much active. I have called Equifax on several occasions and submitted online disputes, but this has not helped. I have no collections or missed payments on my reports for the XXXX bureaus. And while I have excellent credit scores with both XXXX and XXXX, Equifax consistently has me almost XXXX points lower because they have not updated most of my information from my creditors in years and they do not show many of the new accounts I 've had over the past 4 years. In fact, nany of my Equifax accounts show that they have not been updated since XX/XX/2011. They also show my current address as one which I had 3 years ago. My current address is XXXX XXXX XXXX, XXXX XXXX, MI XXXX. They asked me to send in my license to prove this. I did it several times and they still never updated my file to this. My Equifax dispute number is XXXX, and I am attaching a report I received from them this week.
On XXXX XXXX XXXX, received call from associate XXXX. Said associate failed to provide proper call disclaimer. 

I immediately asked said associate to provide the name of the person that called my phone two days ago. Said associate disregarded the question and proceeded to third party debt collection requests. I asked a third time and was asked why u needed the name. I inquired of the name because the associate that phone left a voicemail advising the call was from a debt collector ... which is against FDCPA requirements. XXXX persisted today advance her script of collecting the debt and I refused to entertain as my question wasnt answered. XXXX advised it was my debt and that my credit would suffer and disconnect d the call. 

I called the company back. Asked to speak to a manager. Call was transferred to XXXX XXXX. Initially said manager appeared attentive and concerned. However, he then disengaged and proceeded to collect his alleged debt. I advised my complaint about XXXX was not addressed. After moments of back and forth the manager wanted me to give permission for him to discuss the debt. I advised I never received the requir d thirty day notification. Manager advised the letter was sent twice. I not d I called in a few weeks ago and was provided a website to pay the alleged date with th account number. However said manager noted there was no inbound call from me noted in the record. When I pressed the topic, his storyline changed to acknowledge the call. However when it was apparent I wasnt acknowling th alleged debt XXXX advised he had other callers willing to pay their debts and I could call back when I was prepared. He disconnected the call.
I had started service with this Equifax to monitor my Credit. When I called on the  XXXX  of  XXXX   2017  to cancel my service the  Office w as closed. On Monday the  XXXX  I called to cancel which was done. All access was cancelled on that day. On the  XXXX  I checked my wife 's account, and they 've charged her account {$19.00} which caused an overdraft fee of {$35.00} from her bank. We submitted an online dispute the day that the fee and charge posted on the account. Today the bank denied the dispute because they had already charged my Account. I reiterate that I have no service with them, and can not access the Product that I am being billed for.
I intended to wire {$40000.00} to my sister in the XXXX on around XX/XX/18. 

The money was wired from my XXXX XXXX to Western Union that day. 

I received an email from WU on XX/XX/18 stating that the transfer could not be done and that I would be receiving a refund by XX/XX/18. 

I called on XX/XX/18 and asked why the refund had not come through and then I was told it would be returned by or before XX/XX/18. 

I have been calling every day since XX/XX/18 and I have been unable to find out why the refund has not been processed. 

I would like to know the name of the Federal Watchdog that I  should be reporting this matter to. Is it supposed to be the FBI or some other entity? 

My tracking number is XXXX Any help would be greatly appreciated. 

Sincerely
On XX/XX/2017, i, sent out dispute letters certified mail to Transunion, XXXX and XXXX with return receipt with time, dates and signature received .On XX/XX/2017 transunion and experian received dispute letters, XXXX received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the XXXX credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus, states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.