WillisBack/dataset-financial-user-claim huggingface dataset:
I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to TransUnion. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went Bankrupt XX/XX/2005 and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan. 

I 'm respectfully requesting that TransUnion remove this out of date information from my credit report. It also belongs to my Ex-Husband and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.
My Google Wallet account was hacked and two fraudulent transactions were made without my consent on XX/XX/XXXX and XX/XX/XXXX. These transactions transferred {$1400.00} directly from my checking account. I called Google Wallet support immediately upon seeing the transactions and explained to them that they were fraudulent and requested the charges be reversed. After many conversations and time spent on hold they informed me that the charges were not fraudulent and they would not be refunding my money. I told them if that was their final decision I would issue charge backs with my bank. 

I called my bank who informed me they could try to put a hold payment on the transactions. The end result of the bank issuing a hold on the transaction was the money being refunded into my checking account. 


After this happened, Google Wallet suspended my account, which also suspends your XXXX   Payments account. I submitted verification paperwork to reopen it which they did. unfortunately shortly after this, they must have processed the second charge being held at the bank and suspended my account again. Essentially they suspended me for the same thing twice ... At this point they refused to reinstate my account. 

The effect of this is you can no longer use most XXXX services, including XXXX XXXX, or the XXXX XXXX XXXX, since you have no way to pay them. All payments go through XXXX   Payments. 

I am now in a situation, after spending maybe 20+ hours on the phone with XXXX begging them to reinstate my XXXX Payments account, where I must find a new cell phone provider since I can not pay my XXXX XXXX  bill. I also can not use the XXXX XXXX XXXX anymore, which effectively makes using an Android phone useless. So now must change phone platforms entirely. 

All of this because they will not reinstate my suspended account so I can pay them.
My name is XXXX XXXX, and my family and I have been trying to secure a legitimate short sale on our home ( located in XXXX XXXX, XXXX ) and the Mortgage holding institution ( PNC Mortgage, & PNC HELOC ) has been offered a very strong, legitimate bid from a very solid buyer, but neither are agreeing to the others terms for settlement. This is forcing my family to fall victim to a completely avoidable foreclosure which would be extremely difficult for me and my family being that I am a XXXX with an active Security Clearance, which must be maintained in order to keep my job. I was transferred ( XXXX ) from XXXX to XXXX for my job, and since I am unable to live in the home, I must sell it in order to avoid paying double mortgage & rent payments. 
We purchased the home in XXXX, and the house is currently underwater ( at least 20 % negative equity ), and for me to sell it, I need to sell short. Additionally, our ARM mortgage payments doubled the end of last year, making it impossible for me to afford those expenses on my current government paycheck and expenses. Needless to say, we do n't have the funds to cover the difference in cost. 
Also, in order to process this short sale, per the requirements specified to me by the PNC representatives I spoke to, I needed to miss mortgage payments for at least 3 months before they would consider processing a sale. This has been happening since XXXX XXXX. This means that my credit has taken a massive downgrade and my ability to ever purchase or rent property with my current credit rating in the near future has been extremely jeopardized. 
I am being represented by a Real Estate professional in XXXX, as well as a legal negotiator since beginning this process, but they have been unable to get these XXXX sides of the same coin to agree to each others terms. And we are the ones who are continuing to be the victims of this incompetence and corporate selfishness. First being the housing crisis, and this being the second. 
As of last Friday ( XXXX XXXX, XXXX ), the XXXX PNC Mortgage still wo n't accept the terms offered by the XXXX, and our lawyer ( Realtor 's lawyers ) have all but quit trying, since even with my threats to file a law suit, and call my congressional representatives wo n't help them finalize. Also, after more than 3 months of trying to get a new buyer into the home, which will secure for PNC more than XXXX % of the total amount of the original note, the current buyer is expected to back out in order to find another home which they can get into faster. This means that my family will now be forced to wait for another buyer who probably wo n't offer near what this one did, if we can find one at all, considering now we have a history of an uncooperative bank who is n't willing to negotiate with each other in order to finalize a sale. Can the CFPB help us resolve this issue? I am willing to forward all details of the situation upon your request.
Chase Card Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX This 3 companies have put inquiries on my XXXX credit report without my knowledge please have them remove from my XXXX report.
Over the course of 5 years, i received a call from the debt collector no less than 5 calls a week and often 2-3 times a day. Told the debt collector to not contact me over the phone and only through the mail and still received the calls and still do for over four years now. They are attempting to collect a debt that is over 15 years old due to renewing a default judgment and are now garnishing my bank wages.
Bank of America advertised a {$200.00} bonus for opening a new business checking account and making a deposit within 60 days. They have failed to post the bonus to my account. On SEVERAL occasions, their agents promised me that I qualify for the bonus and that it was forthcoming. The agent 's promises are RECORDED and on file with me. Despite the banks ' assurances and representations, they are refusing to award me the bonus, alleging that some technical requirement was not met ( they do not consider money deposited to a business account from personal accounts to be a " deposit ''. They make a fine, invisible distinction between " transfers '' and " deposits '' ). This technical requirement was NEVER mentioned to me. If it had, I would have taken a different course of action. Instead, I was repeatedly promised that the bonus is forthcoming -- after long and careful review of my account by various representatives. Now, and despite many RECORDED promises to the contrary, they refuse to award me the incentive payment. ( One such recording is attached to this complaint )
Hello, It is time to do my XX/XX/XXXX taxes and today ( on or about XX/XX/XXXX ) I called Wells Fargo because I had not received my XXXX for my interest bearing checking account that I have had for decades. They informed me that last XX/XX/XXXX, they changed my account ( and all/ everyones interest bearing accounts of this same type ) to a non- interest bearing account and went to on line statements. ( they sent me a privacy notice in the mail but did not inform me of this change by mail ) Their website now says that posting on line counts as their notification. My account did qualify for two interest bearing accounts but they just changed mine -and everyones, according to them- to the non- interest bearing account. I do not believe it is nor should be legal to change an account from an interest bearing to a non bearing account without actual notification. Is this a cross selling derivative? I am willing to join or institute a legal action against Wells Fargo for this obvious unethical and possibly illegal behavior. I did try to talk to Wells Fargo but it was unsuccessful. 
Please help me recitify this abuse of my and others accounts. Thank you.
Navy Federal Credit union misled its members about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning. I was affected by it from XXXX until XXXX
Dear sir or madam, XXXX DC has sold off this account to XXXX XXXX. I had already paid XXXX XXXX  and the account is statisfied. Since XXXX written off and sold my debt, My contract with them is no longer active, so No contract with XXXX. They need to delete this from my credit report. XXXX  need to deleted XXXX XXXX off my account too.

Thank you!
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
On XX/XX/2016 I was looking at my Transunion credit report and noticed that they had reinserted previously deleted addresses and previous employers that were previously deleted. Transunion illegally re inserted the addresses and employment with out giving me written notification 5 days prior to re insertion. They have broken the law. 
The addresses they illegally reinserted are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employer they illegally reinserted was : XXXX XXXX XXXX
Brclysbankde   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have called and told them that someone tried to open an account in my name and they refuse to let me talk to the department that would take this off my credit report. I have never applied for this place. I am not even sure what it goes to. OPPlease take this off all my credit reports.
My XXXX 's account is reporting incorrectly to the credit bureaus. XXXX 's has not aided in fixing the errors which the credit bureaus require. The account was closed in XX/XX/2012, and I received notification that it was sold to XXXX recovery and to settle my account with XXXX with XXXX or XXXX. The proof is attached. Upon satisfying my account, the balance was changed to {$0.00} but the account is still to this day reporting as 90 days late each and every month since XX/XX/2012 even tho there is {$0.00} balance and they transferred the debt!. I can't be late on a {$0.00} balance owed, and further since XXXX 's gave or sold this account to XXXX ( attached ) - they should not be reporting anything at all to my credit report.
In 2007, I had leased a vehicle through XXXX. At the end of the lease terms, I requested to continue ownership and make payments on the vehicle since the car company was no longer in business ( XXXX ). My request was refused. I surrendered the vehicle at the company 's request and continued to make payments. I fell behind on payments since I needed a vehicle to get around ( based on my location and XXXX ), I entered into another car loan agreement. When I began to remit payments on the surrendered vehicle, my payments were refused and returned electronically by my bank, as I was advised that my account had been closed and charged off. Subsequently, I was contacted by an outside collection agency regarding the balance. I made payment arrangements with the XXXX and had submitted payments as agreed. Sometime after I was sending payments, my payments were being returned to me by my bank - after contacting the outside collection agency regarding the returned payment, the XXXX advised that they no longer had my account and I needed to contact the company, Ally. I contacted XXXX, and the representative advised that they did not have access to my account since the account was closed/charged off. This left me at a disadvantage to remit payments. As a result, my credit score plummetted as XXXX and the collection agency reported that I had defaulted on my payments. I attempted to resolve the debt, but the payments continued to be refused. Recently, I have been contacted by another outside collection agency requesting a different amount from the original balance. I have requested detailed information from them including, but not limited to information on how they came up with the amount they are trying to collect, verification that the statue of limitiation has/has not expired, proof they are authorized to collect in my state, which they have not provided. They only sent a copy of the lease agreement and a statement with a different amount that they are attempting to collect.
I was scammed by people who were presenting themselves as loan representatives on the internet. It started about the middle of XXXX. They had a web page that appeared to be official. They used the name XXXX XXXX XXXX or XXXX XXXX. One phone number was ( XXXX. The number they used when they called me was ( XXXX ). I filled out a loan application on line and put my Banking information on the form. They contacted me and said they were going to approve me for a loan. They then said they had checked my credit score and it was not where they wanted it to be. They said that they would deposit money into my account and I was suppose to send it back to them. What I did n't know was they had attached a device and was putting money into my account using bogus checks from all over the country, they were doing this at the same time they were dealing with me over the phone. A check for XXXX from XXXX XXXX XXXX was put in. Another check for XXXX from XXXX XXXX and one more from XXXX XXXX for XXXX. The last check which was n't from the same place as the others was from XXXX XXXX for XXXX dollars. I went to my bank TCF bank and told them about this. The assistant manager knew that this was a scan and did not act in a timely manner.
I have a credit card with Capital One. I pay the balance in full every month. I have {$1500.00} paid automatically via my XXXX XXXX Bill Pay. When I get the Capital One bill each month, if I have an amount owing, more than {$1500.00}, I pay that additional amount also via my Online Bill Pay. I also estimate any credits I expect to receive and deduct that amount. On my XX/XX/1918 bill, I had a previous balance of {$3800.00}. This bill showed that I paid 2 payments via my bill pay, each for {$1500.00}. I had two credits to the account for items returned. These amounts totaled {$690.00}. So in total, I paid and was credited {$3600.00}. Capital One charged me {$49.00} interest on a remaining balance of less than {$150.00}. I called and was placed on hold with four different people. One was supervisor XXXX, employee # XXXX. Each of these people told me that if my balance was not paid entirely in full at the end of the month, that they charge interest on the full amount charged during the month. My payments were only short less than {$150.00}. According to the " Interest Charge Calculation '' portion of my bill, I was charged 19.24 % interest on {$3000.00} even though I paid {$3000.00}. I used to work in credit, and unless the laws have changed, this is not legal.
I almost broke down and cried when I saw these late payments on my account for the following dates : 30 Days Late for XX/XX/XXXX and 60 Days Late for XX/XX/XXXX I dont know how this could have happened because I make my payments as soon as I receive my monthly statements. I would appreciate your help with is because I dont believe this information is accurate.
On XX/XX/XXXX I I took out a 60 month auto loan with capital one for {$15000.00} which was paid off in full ( early ) on XX/XX/XXXX. I have been fighting with Capital One over the last few years because they removed this loan and all tradelines off my credit reports. When removed it was in positive statues as " positive report '' shows. 
Everytime I dispute either to capital one or CFPB Capital One comes up with another excuse. 

The last excuse given last week stated this was deleted and removed under the seven year delinquency rules because it was a bankruptcy loan. However, this is in accurate and another bogus excuse for several reasons : 1 ) When this was removed it was in positive status and reflected so in " positive report ''. A Also On XX/XX/XXXX XXXX the supervisor with capital one at XXXX XXXX XXXX confirmed on a recorded call with himself, myself, and XXXX from XXXX this account was in positive status throughout its life. 
2 ) This was not included in any bankruptcy and outlined in " bankruptcy details '' 3. Even if Capital One wanted to use this 7 year negative excuse the loan was paid off on XX/XX/XXXX making 7 years XX/XX/XXXX which means regardless it should still be reflecting on my account BUT since it was a positive paid in full and early loan it should reflect so until XX/XX/XXXX. 

If capital one does not make the necessary changes and report this loan to all 3 credit reporting agencies I will take further action upon their response with a private attorney.
XXXX/XXXX/2017 {$410.00} XXXX/XXXX/2017 {$51.00} There was a company on XXXX selling items, they had you send it via friends and family through paypal, which at the time I did not know means that there is no buyer protection. I contacted the person several times on their XXXX page @ XXXX and also through the email address that the have on file with paypal, XXXX for 2 weeks the person stated that 4 boxes were sent out, and nothing to date XXXX/XXXX/2017 has arrived, now mind you their in NY and I am in NJ, when I began to get made and question him I was blocked from their XXXX page, I call paypal and they tell me do a charge back with my bank, and then tell me they have gotten other complaints. When you do some digging, there are several fraud accounts on XXXX that all start out with XXXX and they are scamming, fraudding, and hurting people.
In XX/XX/XXXX, we submitted documents for a Short Sale to Fay Servicing. Fay Servicing communicated to us regarding the short sale for several months, and a complete short sale packet was confirmed received shortly thereafter. After the thirty day timeline that Fay Servicing had to respond to us had passed, I followed up several times for status over the telephone, and by email on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. A week later, on XX/XX/XXXX, I received a response from Fay Servicing 's representative, stating that the current offer was denied, without counter offer. That same day, I requested a full explanation and appraisal report. The representative asked if I was talking about a {$45000.00} offer on the property, and informing us that their BPO came back at {$280000.00}. I corrected him, directing him to the {$270000.00} offer in the file, and asked him to resubmit the accurate information to the investor for their review. I followed up on XX/XX/XXXX by email. On XX/XX/XXXX, the representative confirmed the file had been submitted to the  investor for review, and requested further documents. We discussed the documents and ultimately provided them, however, on XX/XX/XXXX, the representative stated that the investor has countered at {$370000.00} - a {$90000.00} increase over their own valuation of the property. I challenged this and supplied further documentation, and was informed that on XX/XX/XXXX, the investor denied the offer and is demanding the property be relisted at {$370000.00}, despite the {$280000.00} valuation they hold on the property. We found that the net proceeds they are seeking through these actions reduce the short sale write off to less than {$5000.00}, but risk their borrower losing their home to foreclosure in the process. We believe these actions are in bad faith and violate the spirit of the negotiation process.
I was trying to find out if my personal information was breached from XXXX. I Called Equifax and took all my information again and told me to sign up on TrustedID.com and told me that I have to pay them to protect my information after a year of service. 

Please help
In  XXXX   XXXX  I was diagnosed with    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   . IN anticipation of running afoul of my bills I contacted  Navient  and was advised that I had to fill an online application for Income driven hardship. The site was confusing. Nonetheless, in the throes of  XXXX , I provided all the information and waited to be contacted regarding this process. Never heard from them but apparently, they must have done a forbearance or something and I received a letter telling me next payment was due in  XXXX . In meantime I called and discovered that they had denied my hardship as I had not sent in the proper paperwork. NOt true it was all scanned and uploaded. I asked WHY if I sent this months ago has no one contacted me? double talk. So, now the date for whatever this payment arrives ... it is not the income hardship but something else that I have no idea about which I 'm sure extends my interest somehow. I suddenly receive a letter on  XXXX   XXXX ,  XXXX  now telling a different story then I was told over the phone. I call and yes they received all the paperwork but the scan was " unreadable '' please send tax return or proof of income again. So  XXXX  different stories.  <P/> IN meantime, not sure if I should make this payment now days late as it is NOT what I requested and do not want to have this seen as I except what they are doing. Now. I am receiving   XXXX    daily phone calls from " unavailable '' early  XXXX  and late  XXXX .  Imagine  having to run to the phone with   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   while recovering from   XXXX   XXXX   Only to get a " recording '' that tells me hold on..finally getting someone to get on phone. They repeat themselves..several times, recorded line, young person with condescension on phone. You hear many people behind them as it sounds like a calling center. then ask for identifying information.. I tell them I do n't know you ... you could be from  XXXX  or some country using a dialer and I am not giving you information about me that you can use to hack my identity.  <P/> " well without this information we ca n't help you. '' I did n't ask for help! You called me and I want it to stop! More condescending tone.  <P/> I have called Navient myself to deal with this alleged lie about my " unreadable tax return '' and it is clear the other call if from them is only about this {$200.00} or so dollars that is NOT the hardship agreement.  <P/> I have asked them to NOT CALL as I have no intention of talking to strangers and providing private information..of course they ignore me and do the harassment anyway.  <P/> What can I do.. I am recovery from    XXXX   XXXX   . I have  XXXX  now sent the required paperwork and they are playing games.