WillisBack/dataset-financial-user-claim huggingface dataset:
Submitted request the Free Annual Credit Report online to TransUnion and after providing all my correct information as requested by them and and answering all there questions for verification. 

THEY DENIED IT.
I have received various correspondence for my mortgage account telling me I owe this amount or another letter stating that my XXXX, 2016 payment is due, or when I check my balance online it showes a different balance. I am confused as to what my payment should be. Also, to add more confusion to this situation, I have had Flood insurance on this property, since it was required and yet Capital One keeps purchasing flood policy and when I have sent them proof of insurance it does not get applied to the mortgage. Then the Flood insurance department sends me notification needing flood insurance on the property when it has been sent several times from myself & the insurance agent. This is utter confusion for me and for my insurance agent when there is a severe lack of communication between the Mortgage department, Escrow, and Flood Insurance. They have completely mismanaged my mortgage account.
I have been contacted every day for the last 6 months on both a home phone amd a cell phone from this company " SECURITY CREDIT SYSTEMS, INC.. '' They claim to be atempting to collect debt from a student loan. I received mail from the company with a website to access.in order to make payments online. Since I am an XXXX military member XXXX, I attempted to use the site to pay. After inputing sensitive information and attempting to start payments, it became clear that I may have fallen victim of a scam. I fear that I will become a victim of identity theft.
I believe I was one of the individuals who Navient made my repayment of my loans difficult. My interest rates was was extremely high and bad information was given. Please help me to get to the problem of the situation.
I was supposed to receive a credit card which I never received but was told I had made no payments and I made the payment that minute but it was put on my credit report and I want it off
NC Financial is reporting a past due on my credit report that is not my debt and no one wil remove it. Never signed a note with NC Financial and they have asked me to fax them sensitive personal and financial information that is not proper procedure for a legitimate company. Example would be a faxed copy of the police report and a faxed copy of my bank account number and information.
I have not received the written investigation results of any disputes with Equifax. The credit bureau has denied me access to credit monitoring. I am not able to access any of the online results from investigations that have been completed. I have been denied credit within the last 90 days, therefore, I need an updated credit report to determine why this happened. XXXX denied my credit card application based on Equifax report and I need to know why.
it has to do with the reporting of my XXXX account. 
1 ) company is reporting differently to 3 credit bureaus per attached 2 ) XX/XX/XXXX on my XXXX, XXXX started reporting FP -Failed to Pay. XX/XX/XXXX they decided to change reporting to 120 days past due ; XX/XX/XXXX they went back to FP ( Failed to Pay ) ; XX/XX/XXXX they again reported 120 days past due. 
Since the account started report on XX/XX/XXXX FP I was beyond 120 days late. Therefore 120 days report in XXXX and XXXX of XXXX is incorrect and should be reflect FP.
I called in to American Express in XX/XX/XXXX to inquire about my Annual spending on my Delta Reserve card. The purpose was to see how close I was to my annual {$60000.00} required spend to receive an additional XXXX delta MQM 's which would have taken me to the next medallion tier with Delta. I spoke to a US Based representative who informed me that I had met the required spend in XX/XX/XXXX and would receive my MQM 's aprox XX/XX/XXXX and assured me that I didn't need to do anything else. When those MQM 's never came from Delta, I called in again in XX/XX/XXXX to inquire. I was informed at that point that I was previously misinformed and that the card spend was on different AMEX cards ( I changed in Q1 from a business reserve to a personal reserve ) and for that reason I did not qualify BUT since the damage was done and I was led astray by AMEX, they would open an investigation and pull the call logs from my XX/XX/XXXX call. If they could confirm ( which they did ) that I was told what I claimed ( which I was ) that AMEX would without doubt honor their mistake. I was told that would take 3 days and then AMEX would call me back. After 3 days I called again and was told that in fact it could take up to 60 days. When I advised that the time frame was unacceptable they escalated my compliant and I was told I would hear back in 14 days. After 14 days and no call from AMEX, I called and and spoke to US based supervisor XXXX ( # XXXX )  who assured me she would get to the bottom of things and would call me 3 days later on a Monday.. On Wednesday/Thursday I called in again and spoke to US based supervisor XXXX ( # XXXX ) who assured me that I would get a call back from XXXX right away. That never happened and I've since talked to 2 more supervisors who promised they would help and of course I never heard back. Several times I've been assured that AMEX would do the right thing and honor what they told me but no one there seems to care or have an ounce of accountability. I need help please!
I have been attempting to make payments to my private loans with Sallie Mae since XXXX/XXXX/XX/XX/XXXX and in each instance the payment I had submitted has been reversed, therefore incomplete. the total payment amounts have been amassing to ridiculous totals since no payments have been processed by Sallie Mae, and because of this, in XXXX XX/XX/XXXX I was forced into forbearance as this was the only solution they could offer me. Now, in XXXX XX/XX/XXXX I am STILL experiencing the same issue after many hours spent dealing with Sallie Mae customer service and reaching no solution. I do not wish to enter forbearance again, I simply wish to be able to make my payments in good faith as I have been trying to do so for quite some time. My interest continues to increase while Sallie Mae can not resolve the issue. Insufficient funds on the payment card is NOT the reason for this. I am a military wife living overseas with my husband and I can not afford to pay thousands of dollars towards my loans each month with building interest because Sallie Mae is unfit to handle and process my loans on time.
I have been trying to dispute a hard inquiry from XXXX XXXX since XXXX 2015. I did not authorize XXXX XXXX to do a hard inquiry on my report. I have contacted XXXX XXXX and even provided proof that the hard inquiry was not authorized by me and should not have been done.
I disputed XXXX charge with BOA and they did not reassert the charges when provided BOA with evidence that I mailed the item to the merchant and the merchant accepted the package.
I have been making my payments to UAS ( University Accounting Service ) regularly for several months now. I recently change banks. So when I went to make my most recent payment, I deleted the old bank account and added the new account. It was approved. But now UAS is charging me a {$20.00} fee saying they can not process the payment because there was no account attached. THEY APPROVED the new account!
I got a free 2 year credit report from experian and i noticed that there was something on my public records that i knew absolutely nothing about, i was also a minor at the time still going to school and living with my mother. i have tried calling experian, the court where it says it was filed at and many other places and nobody has been able to help me with this issue. i believe that it may be fraud, i need help finding information on this situation. thank you
I am filling this complaint because Transunion has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
This complaint concerns the actions of Greenback Recovery Group in an attempt to collect a debt. On XXXX/XXXX/16 I received a voice mail message from XXXX XXXX at GR Group. She identified herself as a " Senior Arbitrator '' in the legal division, and stated that she had received documents identifying me as the " primary Respondent ''. She proceeded to state that I had written " bad checks from a XXXX Bank checking account attached to a social security number ending in xxxx ''. She then threatened to " pursue charges under the Federal Bank Fraud Statute for XXXX XXXX, Arizona ''. On XXXX/XXXX/2016, I received another voicemail message from Greenback Recovery Group. This time, XXXX XXXX claimed that " this matter has been approved for suit for A XXXX XXXX filing to bring you up on XXXX separate charges for Theft by Deception, Breach of Contract, and Writing Bad Checks out of your XXXX XXXX Bank account ending attached to your social security number ending in XXXX, and I do have the full social ''. She stated she represented an unnamed attorney network. At no time during either of the messages on XXXX/XXXX/16 and XXXX/XXXX/16 did she identify herself as a debt collector. Additionally, I had not received any kind of written correspondence from the GR Group. I contacted my attorney, XXXX XXXX. They then provided me with a demand letter that failed to identify the current creditor. I have attached a copy of this letter, and I have XXXX voice mail messages saved. Not only have I been the victim of illegal collection practices under the FDCPA, but I believe GR Group has violated the Arizona XXXX. XXXX XXXX XXXX ( XXXX ), a person commits theft by extortion by knowingly obtaining or seeking to obtain property or services by means of a threat to accuse anyone of a crime or bring criminal charges against anyone. The use of the threat language to " bring charges '' for theft by deception, writing bad checks and violations of the Federal Bank Fraud Statute is a clear attempt to get me to pay on a claim for breach of contract, by putting me in fear of criminal prosecution. I have been very distraught over these threats. I believe my attorney is in contact with the XXXX office regarding GR Group 's violation of XXXX XXXX. The communications with Greenback Recovery group have been very threatening, and much of the language used, such as " Senior Arbitrator for the legal division '' and " approved for Suit '' seem intended to convey that the collection agency is a Law Firm. 

My attorney, XXXX XXXX, can be contacted at XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX account no.XXXX are wrongfully appearing on my XXXX and XXXX credit bureau files.XXXX XXXX is the debt buyer for XXXX, ALSO ACCT NO.XXXX.THE ACCOUNTS HAVE BEEN RE-AGED.The correct date of first delinquency is XX/XX/XXXX DAYS LATE.The account was never brought current and was closed by the creditor on XX/XX/2012 when it was 90 days late. 
I have attached both the original creditors reporting to XXXX that have been verified many times along with XXXX XXXX.it is easily seen that the information, though verified as correct reports wildly different between the bureaus and is incomplete on key payment history dates. 
IN two months from today, if accurately reported both the original creditor and XXXX XXXX would age off the report. 
Please note what appears to be intentionally fraudulent reporting by the collection agency and original creditor.
I have private law school loans through ACS. I enrolled in " Checkmate II '' in order to gain a 0.25 % reduction in my interest and then pre-paid my loans so that the next mandatory payment would be in 2017. 

Recently ACS changed their system and announced that they would draw monthly funds from my bank account for the pre-paid loans. I complained, as I had pre-paid the loans and the pre-pay status was part of the reason I had done that. ACS agreed to not draw funds for my pre-paid loans, but they also cancelled my enrollment in Checkmate II ( functionally giving me a 0.25 % increase in interest ). This was a change to their system and it was not disclosed when I pre-paid my loans, and functions as a tax on me for doing the responsible thing and setting my loans into pre-pay status.
Have Contacted CFPB in regards to Experian and they have chosen not to remove the information on the report. XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX removed the collection. 
XXXX XXXX XXXX XXXX XXXX and XXXX Removed. Not my Account. 
XXXX XXXX XXXX XXXX. Needs to be removed. Never lived at the address. XXXX XXXX XXXX XXXX, XXXX, AZ. XXXX. Please remove. 
Public Records Federal Tax Liens are released since XXXX. 
XXXX XXXX XXXX Never had a loan with these people. Removed from XXXX XXXX and XXXX. 
XXXX XXXX XXXX Do n't have an account with this collection company. XXXX XXXX and XXXX removed. XXXX XXXX XXXX XXXX never had an account with this company, A collection that I had sent a 30-day verification notice to on XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. XXXX XXXX XXXX Never had An account with this company. sent a 30-day Validation notice. No response XXXX XXXX and XXXX removedXXXX XXXX XXXX Never had an account with this company. Filed a Complaint to XXXX XXXX XXXX. XXXX/XXXX/XXXX. XXXX XXXX and XXXX removed. 
Inquires that have no written authorization. Car Finance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Any and ALL Auto inquires were never made by me nor was written authorization given. I have been contacting CFPB since XXXX/XXXX/XXXX, Have received updates from the repositories. Honestly, I do n't believe that Experian is working in my behalf in regards to the Fair Credit Reporting Act. Nor the Fair Debt Collections Act. My Date of birth is XXXX/XXXX/XXXX, yet Experian keeps reporting a different date. My employment is XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX XXXX since XXXX/XXXX/XXXX. to the Present. XXXX. XXXX XXXX XXXX, Is not my Company. I sent Experian a copy of my Passport, social Security Card and Veterans XXXX card. As they requested. This is really getting to bring my XXXX down. I am trying to get a mortgage. I am a XXXX. My XXXX is being held by XXXX XXXX XXXX, XXXX Really need your assistance in this matter. If I need to will exhaust my administrative remedy and file a class-action suit if necessary.
XXXX provided a credit card service through XXXX XXXX XXXX. I financed {$3000.00} and had minimum monthly payments of {$28.00}. Then all of a sudden my bill changed to the minimum monthly payment of {$140.00} which is a huge jump so I called to find out why and apparently it was a promotion where no interest was charged for a year then all of a sudden they charge me {$4500.00} in interest which is way more than the loan itself. I 'm furious! They state it was in the contract but there was no mention of it when I signed up for the financing. It 's a scam and they should be prosecuted!
I have previously sent CMRE FINANCIAL a request to validate the alleged COLLECTION per the Fair Debt Collection Practices Act and all I received was a statement. ANYONE CAN PUT A PERSONS NAME ON A STATEMENT. This does not meet the Federal Trade Commissions guidelines of what constitutes proper collection validation. They are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from them by filing a claim in small claims court. This erroneaus collection information on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. CMRE FINANCIAL has also failed to provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe you : Provide me with copies of any papers that show I agreed to pay you what you say I owe along with a signed contract with my original signature between myself and your company.

Provide a verification or copy of any judgment if applicable : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : CMRE FINANCIAL should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if THEY do not immediately delete this account from their records and/or credit report, they are subject to another {$1000.00} fine, plus punitive damages. I'm sure their legal staff will agree that non-compliance with this request could put CMRE FINANCIAL in serious legal trouble with the FTC and other state or federal agencies.
The bankruptcy was not removed from report. They did not send me verification. The bankruptcy does not include my name or social security number. I was told by a representative over the phone that they would delete it from my report, I was told this XXXX of 2017. Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Please see my previous complaint regarding XXXX reporting my balance incorrectly with XXXX. They responded saying they updated the balance, however, I received a notification from XXXX  last week that they reported the account as closed. I submitt4d a new CFPB complaint and today I received another email from TransUnion saying XXXX reported the account as closed. Please report the account correctly with TransUnion and please be careful not to change the status at the other bureaus. The account should be reported as Open, pays as agreed.
I have been able to repay my student loans. I have been unable to work for the last two years. I am currently waiting for a " XXXX '' from the VA. I have used all forbearance 's and would like a repay as you work loan, but have never been offered one from Navient.
I never authorized PayPal to open and then close a account. This has caused my score to drop by 50. Please correct
In short I 'm locked out of my Coinbase account and I 've tried many things to re-gain access to it. Here 's the context : On XX/XX/XXXX, I broke my cell phone. 

On XX/XX/XXXX, I purchased a new cell phone. And activated it with the same phone number as the previous, now broken, phone. This phone number is also the one tied to my Coinbase account. 

On XX/XX/XXXX, I tried to login to my Coinbase account. But I learned I was locked out my account because I lost access to my XXXX 2factor authenticator app due to the broken phone. Meaning, I still have my Coinbase password, but I no longer have 2fa codes needed for 2factor authentication because the XXXX authenticator app codes were on the broken phone. 

Coinbase offers an Account Recovery Process for such a scenario, i.e., when you do n't have access to your 2fa codes. The Recovery Process requires entering your phone number in order to receive Verification code via SMS, which in turn allows you to proceed to further steps like uploading your ID. 

There seems to be a glitch in the Coinbase Account Recovery Process because I do n't receive the SMS Verification code in order to proceed to the later steps. 

I tried the Coinbase Account Recovery Process several times, in different browsers and after clearing my browsing history and cache. And nothing I did worked. I still do n't receive the SMS verification code and I can confirm that I rcan eceive SMS messages from many other sources. The problem is on Coinbase 's end. 

On XX/XX/XXXX, I submitted a Support request. And I received an automated response email from Coinbase in return. 

On XX/XX/XXXX, I then received a follow-up note from a Coinbase representative. And the representative 's note showed a complete lack of digging into my issue because it did n't speak to my specific problem, but rather general talking points. 

On XX/XX/XXXX, I responded and reiterated what the exact problem was ( of not receiving the SMS verification code ). 

On XX/XX/XXXX, I called Coinbase 's Support telephone number two times. In total I waited over 2 hours without ever having spoken with a human agent.

On XX/XX/XXXX, I emailed the Coinbase Support in the email thread and notified the representative that I could n't get through to a human agent. And soon thereafter, I received email from the Support rep saying : " Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as  soon as we have an update. '' It 's now XX/XX/XXXXover a week of being locked out of my accountand my issue is still unresolved. In the interim, I 've reached out to XXXX XXXX on XXXX, I 've continued to try to communicate with the Support representative in the email thread but I have n't received any updates, and I 've sent a separate email to the CEO, XXXX XXXX. 

Which means I 'm still locked out of my Coinbase account and thus can not access my money. 

And I 'm feeling helpless.
Attempted to place a credit freeze with Experian and found the website unresponsive, the site is without graphics and the freeze button is not responding. 

This looks like an attempt by Experian to game the regulations by making it difficult to impossible for security freezes to be implemented.
Disputed a public record on Experian the judgment is paid in full. Experian refuses to mark it as paid. I have sent them the paperwork online showing that the judgment is paid. Just received the copy of my credit report from Experian, and the judgment is still not marked as paid. I am a resident of New York State, and the judgment will be 5 years old in XXXX, this judgment needs to be off my report in XXXX 2016 according to the New York State 5 year rule. Below is the satisfaction of judgment.