WillisBack/dataset-financial-user-claim huggingface dataset:
Overview of Problem -- -- -- -- -- -- -- -- -- - Despite providing clear and convincing evidence that proves beyond any doubt that I paid a lien in XXXX XXXX, TransUnion will not change my credit report to reflect the correct payment date. 


Details -- -- -- - I paid a State Department of Revenue ( SDOR ) state tax lien in full XXXX XXXX. 

The SDOR failed to report the payment to the County Superior Court ( CSC ) for recording until XXXX XXXX, over 2 years late. 

Because the CSC records the release date as the date the SDOR transmits the information, the public record reports the release date as XXXX XXXX. 

After the release was filed in XXXX XXXX, I requested the CSC record a corrected document stating the proper release date of XXXX XXXX. 

The CSC would not record a corrected release, so I requested help from the SDOR commissioner in correcting this error. The SDOR was successful in getting the CSC to add a notation to the official record that the payment was made in XXXX XXXX, but the CSC still would not refile the release with the correct date. 

I submitted a request to TransUnion that this be changed on my credit report. The result stated that the item was reporting correctly and thus was not removed. The notation made by the CSC was evidently not enough proof. 

In XXXX, I wrote to the new SDOR commissioner. This resulted in the local XXXX providing a signed letter stating that the improper recording date was not my fault, and that I paid the full amount in XXXX XXXX. 

I again submitted a dispute to TransUnion. TransUnion responded again that the item was reporting correctly. The letter from SDOR, the creditor, stating the correct payment date was not accepted as proof of the release date. 

To recap, the CSC may be the reporting agency, but they are NOT the party to which the money was owed. In the mind of the CSC, they are reporting the item correctly. However, the party to which the money was owed, the SDOR, confirms payment was made in full in XXXX XXXX. The SDOR also acknowledges it did not transmit the payoff information to the County Superior Court ( CSC ) in a timely manner for recording. In fact, it was over 2 years late. 

Therefore, this item 's payment date should be reflected correctly on my credit report. If so, it will be well past the seven year threshold for removal. 

Companies that wield as much power over consumers as does TransUnion should be held to an extremely high standard. In my opinion, the company falls well below such a standard. They have not gone beyond a cursory check of public records to examine the evidence I 've provided and report this item correctly in my credit file. This practice is resulting in derogatory information on my credit report which should not be included. 

The SDOR has attempted to help me twice to correct their error. I want TransUnion to do the right thing and correct my report. 

Documents uploaded for reference : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 ) Official check for payment 2 ) 'Release of State Tax Execution ' updated with correct payment date 3 ) Letter from SDOR stating correct payment date
My client whom I have POA for has been signed up by Paypal for a credit card that she did n't want and has had to pay a late payment. We want the card cancelled and the late fee refunded.
Pre viously deleted items where added back onto my credit report without prior written notification. Per FRCA Section 666, all items must be removed.
I have just received a correspondence from XXXX XXXX ( Director, Client Research ) of CitiBank that there was not an AAdvantage miles promotion offered with the opening of my CitiGold checking account. I have have had multiple communications with Citigold representatives, with screenshots for proof, that the AAdvantage miles promotion was attached to my account at the time of opening. 

The promotion attached to my account at the time of opening was XXXX and it was to receive XXXX AA miles.I have met the requirements outlined in the promotional offer with my account opening, which were 2 Bill Pays from the account as well as {$1000.00} in debit spending. I have been assured from CitiGold representatives in the past that I have met the requirements for the promotion that was attached to my account as well. 

I have done my research on this promotional offer and have found that Citi has refused to offer the promotion to multiple CitiGold customers. I feel that Citi is cheating its customers through its deceitful marketing practices by not honoring their end of the promotional agreement.
I am writing to dispute the following information in my credit file. There is a collection account on my credit report in the amount of {$110.00} XXXX charge off/past due ). This charge is associated with my old XXXX account, # XXXX. Throughout my entire two-year contract, it can be seen that I never missed a single payment and all payments were set for automatic payments. 

Before moving in XXXX 2015, I successfully closed my XXXX account and returned all of the equipment. I then opened up a new XXXX account, # XXXX. Again, with this new account, it can be seen that I make all payments on time, in full, through auto-pay. 

I am requesting that the negative collection account charge of # XXXX be completely removed from my credit report as it has been paid in full and that I am in a good standing consumer relationship with XXXX. 

I am only XXXX years old, and because of this erroneous error charge, my credit score as severely decreased, causing me great financial harm in the future. If this error is not corrected and erased, I will have no choice but to bring legal action through my lawyer as well as through the Federal Trade Commission via my XXXX XXXX XXXX XXXX, our current Maryland United States Senator. To whoever is reading this, I plead that you help me in getting this charge removed.
I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX  XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.
Based on information and belief, this not my debt. I have requested over and over for verification of the alleged debt. They have never sent me the verification because they keep changing the Collection Agency. Now they continue to call and make threats to me
I was a XXXX XXXX student, at the end of school was given a consolidation with sallie mae- no other program was available. They took XXXX loans ( 1 per year ) and made subsidized and the other one unsubsidized.Why? so I could never re-consolidate soemwhere else-I found out! At the school the financial officer there was a representative from Sallie Mae only. I was given no grace period by Sallie Mae- dispute having to await passing my professional state boards for licensure. I was told to forebear at a significant cost to me. I was married at the time to a fellow student so we had XXXX student loans in effect from Sallie mae. also at the time I had XXXX during my last years of school. My only options were always forbearance- since I was told I did nto qualify for anything else-I had incurred late fees and high interest as result. My original loan was around XXXX that over the years was re-payed at 4-5 times that amount to excessive fees. If I managed to pay twice in one month they advanced the payment instead of applying it to lower my interest and principal. I begged for relief and better programs- daily calling them, and consistently found that what I had agreed to by phone- if I failed to follow up and check- was inaccurate and Not what I agreed to. This created a lot of letters to Sallie Mae in complaints- to no avail. I suffered a XXXX XXXX and again went though their " relief '' program which was only forbearance and late fees. My XXXX- and so the XXXX benefit I later received from that I later took and paid off Sallie Mae in /around 2010 at XXXX at a time I even had to move into my office since I had no place to live. Because of the financial hardships with Sallie Mae, my marriage also ended. My credit report has been a nightmare and very difficult to correct the mis-information that Sallie Mae provided to the XXXX XXXX. Since it shows late, closed and sold, and multiple Sallie Mae accounts that I have to explain to mortgage companies etc. Thus, I used my XXXX rights to benefit to just pay them off. My credit report shows Multiple accounts with Sallie Mae- errors that I cant get them to correct such as : - ACCOUNT TRANSFERED TO ANOTHER OFFICE- STUDENT LOAN PAYMENT DEFERRED- ACCOUNT TRANSFERRED OR SOLD- CURRENT ACCOUNT this makes up about 30 % of my credit score! I must not be alone in this unfair business practice of Sallie Mae and wanted my voice to be heard.
I got this card in XX/XX/XXXX. It's been so long since I used it, I can't tell you what it is I'm paying on, nor have I been using credit cards of any kinds besides store credit cards. I called sometime last week to see what it is that I'm sending in payments for since I don't use the card. I was told what I'm paying is interest. I did a balance transfer in XX/XX/XXXX for $XXXX. That made my balance $XXXX. I've been paying more than the minimum amount and I even send in extra. The minimum payment is about $59 now. I have been sending $XXXX a month PLUS $XXXX EVERY WEEK for the last month or more AS WELL AS my checks from my part time job. From XX/XX/XXXX up until XX/XX/XXXX, I've been paying anywhere from $XXXX to almost $600 more than the minimum payment. My interest rate is 10.99% but yet my balance just recently went below $3200. My payments are also on time and never late. When I called the company, I called 3 times to see if they could reduce the debt so I could pay it off and my request was denied. If I haven't used the card, how in the hell can I still be paying interest? The dates that I called were: XX/XX/XXXX (twice),  XX/XX/XXXX
This issue was addressed several years ago. I recieved communications that bankruptcy indicator was removed from any usbank records. Since i have never filed for bankruptcy in my life. I called today and spoke with XXXX in the refinance department on today approx XXXX. he mentioned account contains a previous bankruptcy. He said he couldnt remove it and transferred me to XXXX, in the bankruptcy dept. She says she could send me to a general complaint area. I She also noted the bankruptcy note appearing on screen, and said it doesnt mean anything, which is not true. I want it Deleted completely. The Bank should be responsible to correct their own errors. I want a Vp or other authorized agent to send me written notification -- -WHEN it is done, not appearing at all.
I submitted a request to XXXX to remove credit inquiries on my report that do n't belong to me. I 've called in reference to this ; they say they 've investigated but wo n't provide any proof to their findings. I submitted a dispute online and got the same thing. These inquiries do n't belong to me, they wo n't remove them, and they wo n't send proof that I approved the inquiries on my credit report.
After initially telling Transworld Systems , Inc. that I was in the process of disputing the claim with my insurance provider, they called a few more times, but were not pushy after I explained what that I was still working through the process with my insurance provider. Then, upon the final decision by my insurance provider, I tried to go online to the site and with the registration # provided to me in the letter from Transworld. The website address was correct, but when I tried repeatedly to enter my registration code and information, the message that I had an invalid registration kept popping up. I used 2 different computers and 3 different web browsers and still never could log in to pay the bill. I called 2 different numbers provided by Transworld for help logging on to pay the bill. They were never helpful about my login issues and kept pushing me to pay over the phone and kept saying they'd send a confirmation letter to my mailing address. I knew from reading complaints on the CFPB website that those letters often never came. I want to pay it in full, online, so I can print out the confirmation page myself to turn in for my HRA account. These conversations happened Friday, XX/XX/XXXX. The amount owed is {$2000.00}. As it stands today, I still can not log on and pay my bill using the information they've provided in a letter and over the phone. I want to pay the bill and I can pay the bill in full, but I will not do it over the phone as I do not trust this company. I will pay online where I can print out proof of the payment. The first person I spoke with was not helpful regarding my log-in issues and just kept pushing me to pay online. I hung up and called another number and that person at least tried to tell me he'd " reset my registration code and that it should work now ''. The new code he gave me didn't work either - it seemed he just made it up on the spot - and then he kept pushing for me to pay online as well. Again, I do not want to give my credit card information over the phone to this company. I will pay online only.
My car was repossessed on XXXX XXXX, 2015 .I had made a payment via phone and the repossession company would not allow me to contact Infiniti to try to clarify this but took the car. Following discussion with Infiniti reinstatement department, I made an additional payment as they required on XXXX XXXX, 2015 which reinstated the loan. Because the car loan was in my husbands name, they stated that the car could only be released to him. XXXX In following future conversations they informed me that my husband could send them power of attorney. I downloaded a legal XXXX form and my husband faxed it .It had to be refaxed several times until it met the criteria for their legal dept. They would not advise us of the legal language they required, they would not allow us to speak to this legal dept. Each time there was 2-7 days between their receipt of the fax and response from the legal department. 
In the mean time without any notification to my husband, even though the loan had been reinstated, the car was moved out of state to auction. When I was finally able to determine that the legal dept had given permission for me to retrieve the car, I contacted XXXX XXXX XXXX and they said my car had been sent to auction. Finding out where the car was took another process, reaching them another process, XXXX XXXX informed me that my plate was no longer on the car and I could not pick up the car without a plate. No one knew where my plate was. I called Infiniti, they take no responsibility. Even though my loan had been reinstated, no one had put some " reference number " in the computer. At no time did anyone ask me for any reference number- my payment which was made via money gram was clearly recorded in their system. Their process is very malicious. I thought my husband had made a payment initially until I received a singular call from Infiniti XXXX on XXXX XXXX, 2015 and I made a payment on XXXX XXXX XXXX, 2015. Infiniti is not required to notify you of their intent to repossess, so you can rectify the problem. Their reinstatement department is very poor, they do not inform or explain or do anything to assist the customer. I explained to them several times that I have XXXX and XXXX so I am very ill.
Sent XXXX letters to all XXXX credit bureaus on validation of this debt nothing has been validated at this time sent letters to LVNV funding LLC on XXXX XXXX 2015 nothing has been validated at this time
At approximately  XXXX  CST on  XXXX / XXXX / 2017 , I logged onto my chase credit card account to find it closed. This happened to coincide with my declining of a mortgage offer from chase on  XXXX / XXXX /   2017  which the terms were awful. I have been an outstanding customer with a on time payments and a   XXXX   balance. I reached out to the customer service team, was transferred and put on hold 5 times before " a supervisor '' communicated that the account was closed due to chase 's decision. I asked for what reason,  XXXX  said that is the only thing I can tell you. It is ironic and silly that any creditor would close a perfect customers card immediately after my declining of their offer for the mortgage. It seems illegal and bad business practice. Once I told the supervisor I was recording the call she responded with I can not proceed further. How can anyone be sure these people are on their best behavior if they are n't being recorded? And what is their to gain or hide by doing so. I just wanted honesty and to uphold the representatives to the truth. I have never contacted the CFPB or BBB, but I feel like  XXXX  did this with bad intentions, also my  credit score is af fected from them closing my account and hampering my debt-to income before purchasing a home. I can not believe  XXXX  has treated me this way.
Opened a Business Home Depot Commercial Credit Card XX/XX/XXXX. Account had charges of {$160.00} paid on XX/XX/XXXX. The account was assessed late fees and other fees. I was not aware of charges and did not receive statements indicating there had been charges on the account until Citi Bank called me indicating the account was past due. I stated so Citi Bank since I did not receive statements and was unaware of the charges, it was unreasonable to request these fees be paid. I stated I would not pay for the late fees and demanded for them to be removed as I paid the charges in full. Citi Bank did not comply. XX/XX/XXXX I received a written notice from Citi Bank indicating the account was delinquent by {$35.00}. I have not received any documentation from Citi Bank since XX/XX/XXXX until this notice I received in the last week of XX/XX/XXXX. I have disputed these charges in XX/XX/XXXX and am disputing them again. I spoke with a Citi Bank collections representative XX/XX/XXXX and he indicated the balance was {$99.00} and the account has been sent to a collection agency. Representative would not indicate the discrepancy in the amounts of {$35.00} and the {$99.00} and attempted to redirect me to the collection agency, I denied. This account was closed by Citi Bank in XXXX. I can not access the account online nor any statements. I have requested statements from Citi Bank and representative indicated the request will take 30-60 days to receive statements from XX/XX/XXXX to XX/XX/XXXX.
Debt collector is not bonded in the State of Texas and bond has been cancelled since  1998 . It is attaching other names to their own in order for them collect in the Texas.
Hello, I am in the middle of a loan modification. My loan servicer asked me to send in a cashiers check for {$200.00} to cover the cost of the appraisal. The letter states " to send {$200.00} within 14 days of this letter ''. The letter was written XX/XX/2016 I did not receive the letter until just prior to the 14 day period. I contacted the servicer and was told it must be mailed within 14 days not received. I then mailed the certified funds immediately. The loan servicer then cashed the check, kept the funds and denied my appraisal since they did not receive the funds within 14 days, not what the letter said. Now they want me to refile and send another {$200.00}.
Hard inquiries dated : XX/XX/XXXX : XXXX/ XXXX I spoke to them several months ago & requested deletion as such AND IT STILL APPEARS ON CREDIT REPORT. 

XX/XX/XXXX AND XX/XX/XXXX : Capital One Bank USA I DID NOT APPLY NOR AUTHORIZE THIS INQUIRY XXXX : XXXX  XXXX XXXX I DID NOT APPLY NOR AUTHORIZE SUCH INQUIRY XX/XX/XXXX : XXXX/XXXX   I DID NOT AUTHORIZE SUCH INQUIRY
MRS BPO llc Reported a Derogatory from XXXX XXXX on my credit report today ( X/XX/17 ) that was disputed and removed from All 3 of my Credit Reports 3 weeks ago from another company ( XXXX XXXX ) that was reporting. And to further Add on, This company MRS BPO llc never called me, Never sent me any letters or anything of that Nature. This is a scam and needs to be investigated.
On XXXX XXXX, XXXX, I made a purchase, with my Macy 's card in the amount of {$16.00}. I went home and did n't think about it. The holidays came and went and, on XXXX XXXX, XXXX, I received a letter from Macy 's ( no date ) saying that they had been unable to reach me for some time and alluding to me experiencing financial difficulties. I contacted the number on the letter ( XXXX ). However, the representative could n't access my account using my telephone number ( home or cell ). It was then I found out that Macy 's had incorrect telephone numbers for my account. The representative could n't divulge the numbers on file, but did tell me that they were not even in the same area code. I have had my home number and my cell phone number since XX/XX/XXXX, so I am confused as to why there were different numbers associated with my Macy 's account. It also appears that Macy 's did not have my email address on file. I was then told that I had an outstanding balance on my Macy 's card in the amount of {$140.00}. The representative could n't tell me what the purchase was for ( I did n't remember spending over {$100.00} at Macy 's recently ), but did tell me that it was for a purchase made in XX/XX/XXXX. I searched my receipts and found the one showing the {$16.00} purchase. Macy 's add added {$130.00} in late charges and fees onto my original {$16.00} purchase! Of course I questioned why I had n't received a bill for the original purchase and I was told that, according to Macy 's, I was receiving ebills. However, when I contacted XXXX XXXX, they confirmed that I had not received any ebills from Macy 's since XX/XX/XXXX. After much wasted time and phone calls, I was able to get Macy 's to reduce the charges to {$24.00}, which I promptly paid. However, my account has now been closed and I have been reported to the credit bureau for non-payment! Macy 's reported my payment as late to the credit agency without even notifying me that I had a payment due. It took them five months to notify me that I did not pay a charge for a bill that was never received! Macy 's had my home address. If I could not be reached by telephone or email ( through Macy 's own negligence ), why was n't I notified by mail sooner than five months?! In addition, I have proof from my bank that I never received a bill. I will take responsibility for forgetting the charge ( which is why I accepted the {$8.00} late charge to settle the account ). However, Macy 's was completely negligent for 1 ) not having the correct contact information ; 2 ) not verifying that the ebills were being received ; 3 ) not following up on the non-payment sooner than five months later. Upon checking reviews of Macy 's, I see that I am not alone with what happened to me. There are several people who are complaining about the same issue.