WillisBack/dataset-financial-user-claim huggingface dataset:
In the beginning of XX/XX/2018, I received alerts informing me that my TransUnion credit score went down XXXX points and XXXX credit score went down XXXX points due to a balance increase. I contacted XXXX XXXX asking for additional information and I was advised that the loan is still current but the interest capitalizes each month which calculates in an increase in the balance. However, they do not have control on how the credit bureaus calcuate the scoring for credit reporting. I immediately contacted TransUnion and was advised that the loan is showing it showing deliquent status ( although I am showing it was current during the time of the XXXX point reduction and to current date ). I proceeded with a despute and recently received a letter containing my credit report, no other information was provided showing the reduction in points. I would like each major credit reporting agency to actively research this information and make the necessary adjustments to the errors reported, effective XX/XX/2018.
I am in the process of applying for a home mortgage. 

I misplaced my passwords and/or PINs for the three major credit reporting institutions : Experian, XXXX, and XXXX. So, to preface this complaint, if I had 100 % fidelity in regards to password/login/PIN management, you would not be hearing from me now. 

On Friday, XX/XX/XXXX, I spent ~ 90 ' trying to undo my error. I was successful with both XXXX and XXXX. The 45 ' I spent that evening working w/ Experian resulted in me reaching a dead end electronically and via phone. I was provided a piece of paper advising me to send ( via mail, no less ) a copy of my driver 's license, a copy of my original SS card, a bank statement with my address, and a utility bill with my address to Experian in XXXX TX. 

Due to being under some time constraints, I have spent ~ 45 ' on the phone with Experian personnel on XX/XX/XXXX and XX/XX/XXXX. Much of that time is on hold as Experian has many roadblocks in place to ensure that speaking with an Experian employee is difficult. Yesterday, I reached someone at the supervisor level who, I thought, was helpful. That individual instructed me to upload the above documentation to Experian ( via a web address ) and then call back the next business day. When I did that today to discuss my request for a new PIN number, I was told that uploading my documentation to Experian and then calling was not sufficient for their purposes and I was again advised to mail my documentation to them, whereupon my documents would be acted on within 10 business days and that I would receive a response via US Mail. As of this complaint, I have sent my documentation to Experian via XXXX XXXX  this afternoon. Included with that was a memo I drafted requesting a phone call and/or email response to expedite resolution of the impasse in which I find myself. 

I'm all for security, but I don't like being held hostage. This company is off the rails. I have the luxury of time prior to a potential closing date to overcome their lack of helpfulness. However, if this were not the case, my life could be substantially derailed by their inflexibility in the service of security. This is particularly ironic in the case of this company which has had at least one significant data breach in the past. In XX/XX/2019, for a company with this power to be doing all of their work via paper through the mail, is laughable from the perspectives of both wasted time and security.
Capital One is not applying my payments correctly. On XXXX XXXX they assessed a late fee of XXXX for XXXX payment. On XXXX XXXX I paid XXXX the regular monthly payment that was due. XXXX XXXX I paid XXXX and on XXXX XXXX I paid XXXX to pay the XXXX late fee assessed. Instead of applying the XXXX to the late fee capital one took the payment and applied it to interest and did the the same with the additional payment from the XXXX payment I made on XXXX XXXX. In doing this they have reported my payments as being late to the credit bureau and showing the account past due XXXX days which is was not because i paid it. When I called I was informed that they can not change how the payment is applied it is done automatically by the system. So if your system tells me that I have payment of XXXX  due plus fees of XXXX which totals XXXX and in turn make a payment of XXXX. Then why are you not applying the money to what your system is telling me I owe? They are not like other lenders that provide options in their mobile and online applications that allow you to select on how the payment is applied. You have three options 1. one time, 2. recurring, 3. pay off next options are pay from, payment date, payment amount, and make payment. This system is designed to cause hardship for the customers and increase the amount of interest capital one receives.
They claim they are from a clerks office with legal documents, for me, and want to take me to court. i asked to speak to speak with a supervisor. I was transfered to XXXX today. he told me my number was removed in XXXX. i told him I just received a call and he asked if this was me, and i replied yes. He then replied well that 's why we are calling. I inquired as to what this was in regards to, and he said an HSBC account. 

I advised him that even if i owed money on the account that the statue of limitation had expired, since i have not had this account since 2004. He advised me that it does not matter i still owe the money and they will continue to call. i asked for the company name and address so that i can send a cease communication letter. He refused to provide it and told me that i am a deadbeat, and the reason the economy is so bad. I also asked for a bill or verification letter, and was advised they have already sent them, and it is to late to receive anymore. 

They have also started calling and harrassing my wife today. 

Listed in order from the last call to the first is the numbers they have provided to call back. When they call it says no caller id information is available. XXXX, XXXX, XXXX.
Beginning in 2017 I've disputed the student loans reported on my credit profiles by XXXX, I wrote them numerous letters asking them to show the original promissory note I supposedly signed. They sent me a computer printout with no signature, only saying these loans were e-filed. I wrote again disputing the validity of the loans and they wrote my back stating I could dispute but this is my loan. I continued to dispute with the same dispute as before and that is to prove these are my loans in which are duplicated on my credit reports to appear as more than one they are different on the three reports.
XXXX/XXXX/XXXX signed mortgage papers for {$12000.00} with Huntington Bank. The note was reaffirmed on XXXX/XXXX/XXXX. The loan has since been paid off and the account closed. However there is still a lien on my home and no one at Huntington Bank will take responsiblity for correcting the problem. They have admitted the note is paid but for some reason they do not know how to request the release on a mortgage that was paid off years ago. The latest person I spoke with ca n't find a record of the loan.
I am a victim of consumer and identity theft fraud. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. Experian stated in an INTERIM RESPONSE on XX/XX/XXXX in CFPB complaint number XXXX : " Unfortunately, at this time, we are unable to process your disputes, as they are not specific ''. 
I did ask specifically to place a security freeze on all my credit reports and I attached XXXX Police Report XXXX. Experian is INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. Experian will be liable for all attorney fees when I file a lawsuit against them in addition to all financial damages and legal fees and fines. I am already in contact with lawyers and wait until you get what you deserve Experian! I may track all Experian employees who where handling my case and I may charge them with criminal charges. 

You will be hold accountable in court. This is not just a civil case and it implies criminal charges. Experian will be liable too for those criminal charges if they do n't act accordingly and place a security freeze in the NEXT 48 hours of receiving this complaint. I DARE YOU! XX/XX/XXXXXXXX
I went to Target to purchase gifts for my family in XX/XX/2016 in the original amount of approximately {$240.00}. The cashier said I could save 5 % on the current purchase if I signed up for the Target Red Card. She said it would only take a few minutes and that I would receive the red card in the mail. So I agreed, and signed up at the cash register. A few months go by, and I start receiving phone calls from Target headquarters stating that I owe them over {$300.00} in unpaid credit card charges. So I checked my mail and sure enough, the original purchase of {$240.00} was charged to the red card I had signed up for, but had not yet received. The red card had {$38.00} late payment fees and a ridiculous 23 percent interest rate. The biggest problem is that it was not made clear to me that the purchase would be immediately charged to the red card, right after I signed up, and then be charged accruing interest and late payments on purchases I was not aware were charged to the red card. I believe this was a predatory and deceitful practice, and especially heinous because it happened during the holiday season.
CHASE BANK USA, N.A has been running a hard credit check when I have NOT applied for credit and they have now done it twice and will not remove the information though I 've been in contact with them through a XXXX since XX/XX/XXXX and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new one in XX/XX/XXXX!
Please be advised that TAX LIENS REFLECTING ON MY CREDIT REPORT XXXX = {$1300.00}, and XXXX = {$6500.00} were SATISFIED IN FULL WITH GEORGIA DEPARTMENT OF REVENUE STATE TAX AND THE FEDERAL GOVERMENT/IRS. PLEASE CONDUCT REQUIRED INVESTIGATION AND MAKE CORRECTIONS REFLECTING THESE DEBTS SATISFIED IN FULL ASAP!!! I am a first time home buyer and these unwarrented adverse recordings are affecting me negatively UNFAIRLY as can be imagined!!! 
Your prompt attention would be immensely appretiated!! 

XXXX XXXX ( XXXX ) XXXX ( Direct cell ) XXXXXXXXXXXX
CREDENCE RESOURCE MANAGEMENT IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.
Discover Card calls me up to 6 - 8 times a day. I always return the call when they leave a voice mail. I advised them I had an arrangement that I could afford and they told me I had to pay more. My other credit card companies accepted this arrangement but Discover keeps harassing me. I had to have my phone # changed already and I 'm thinking about changing it again. They found me this time but I will be more careful if I have to do it again. I almost claimed bankruptcy but would rather try on my own. However, I got ta do what I got ta do! Please advise.
Today is   XXXX   XXXX   XXXX     and for a couple of days now I have been trying to resolve and deformant my loans for now since I will be delivering my second baby in  XXXX . I have been trying to explain that to them from Customer Service to the  Manager  and they are demanding that it does n't matter to them and they will need a payment asap.. It 's very sad and ashamed that they ca n't hear there customers and instead wants their money. I 'm fed up and tired.     My husband has been unemployed since  XXXX  of last year and I had told them I am the only  one  working and I 'm the  one  making the Income as for now.     This really needs to be resolved and looked into asap I ca n't do this anymore.
I sold my house in XX/XX/2015. at that time, I cancelled my XXXX because I did not need it anymore, since I had sold my house. I informed XXXX, and they agree. since then, XXXX has been sending me monthly bills for service I nolonger received. XXXX has sent three different collection agencies to collet a bill which is not legitimate, because I nolonger received their services, they agreed to stop the service, and are still pressuring me, through collecting agencies, to pay a bill for services they no longer provided to me.
After the equifax breach there were a lot of fake charges and I was able to get all but one expunged. This fake {$170.00} " IC Systems Collections # XXXX " original creditor XXXX XXXX '' is not valid as I have used XXXX for many years and haven't used " XXXX XXXX '' for about 8 or 9 years and when I had it they directly deducted their payment from my credit card with no issues. So this is FAKE FAKE FAKE and I can not get XXXX to understand this-there is no intelligent human life there to work with and I am up to hiring an attorney for {$5000.00} down just to fight to get my credit report to be accurate with XXXX. I pay ALL my bills including credit card 100 % each month, no balance EVER, and I just paid my second mortgage balance IN FULL so it isn'r about money, IT IS ABOUT HONOR AND HONESTY!!! 

Thank you for helping me.
sent letter requesting verification of debt a month ago still no reply also the debt was removed by previous collection agency because of lack of verification
TransUnion does not have account by XXXX XXXX XXXX account XXXX showing on my account it was closed. The account was open in 2008 and there was not ever no late payment. I have my other 2 credit reports that show XXXX XXXX. 
I don't no why this was taken off my credit report.TransUnion seems to remove accounts that paid off and in good standing. I'm also filing a complaint with US attorney consumer complaints to TransUnion Practices and other various issues with TransUnion
On XX/XX/2018 I did a wire transfer from my bank account in the amount of {$7700.00} to BMW Financial XXXX at XXXX XXXX XXXX XXXX NJ US. The wire transfer shows the beneficiary bank being XXXX XXXX XXXX  of XXXX XXXX, XXXX  with an ABA/RTN number. This wire transfer was suppose to been for a truck that I thought I was purchasing using XXXX. But have not been able to get in contact with the seller. I have spoken with XXXX  which informed me that my offer was denied but was at some point the conversation was intruded and I began speaking with someone else that perpetrated as the seller.
I checked my credit report with Equifax credit bureau on XX/XX/2018 and noticed they put collection on my account. ( {$50.00} medical bill ) for service which i never recieved. Since i filed dispute over the phone with Equifax rep i noticed second collection on my account - exactly same amount, date and name of debtor. So technically they just copied same debt twice on my report. So now i have two collection records about same false medical debt. I called Equifax immediately and been on the phone with different people - reps, supervisors and managers. They all assure me this is not they fault and they just blame on collection agency ( XXXX XXXX XXXX  ) I already filed complain with CFPB about collection agency two times, first time they stated, they put only one report about this false medical debt. Second time is still no answer yet.
The apartment complex is calculating charges that are not owed and does n't match the information on move out inspection sheet. The apartment complex is trying to charge for things that were existing before I moved into the unit. Pictures and documentation prove that the charges are inaccurate and unfair. There was never an itemized breakdown of what is being charged.
About 2 weeks ago I had reported my Rush Debit Card compromised. And as I expected since the representative was not listening or understanding what I was talking about. He filed the disputes incorrectly causing my card to be closed. And when I woke to a manager since he did n't understand still the situation. She then proceeded to apologise and to over nighting me a new debit card. But then she proceeded on Transferring me to a dispute representative that I thought she had communicated the error and had fixed what the previous rep caused. To my surprise she did not which I found out yesterday when Rush Card closed my card without warning. The representative filed all my disputes incorrectly and did not block my card allowing transactions to hit my account. As of yesterday they have closed my account and they claimed to have mailed me a check for the balance. Which does not include XXXX pending transactions totalling XXXX dollars which were just holds for transactions that were not processed. But to Rush Card policy they remain on hold for 10 days and an hour from when the transaction was ran. On top of that there are the disputed transactions that because of the representative still hit my account although I called and reporterted the issue with my card before they happened. The total of those transactions are above XXXX. Rush has left me without a card and access to my funds do to negligence of their representative. They are mailing me a check and who knows when it will arrive. Since now they have to continue mailing checks do to their policy and the holds pending on the account. Before the closure happened I called to verify since I had a feeling that the documents I received did not state what I had told the representative but they were not able to provide me information because they did not deal with disputes. And customers are n't allowed to speak to them directly.
I needed to dispute inaccuracies on my credit report. I went to Experian 's file a dispute site. I was able to login and verify questions and begin my dispute. In the middle of performing my dispute the browser froze and when I attempted to reload the page it would not reload. So I attempted to start the process over but it gave me a set of verification questions that does not apply to me. I selected they did not apply. I then was locked out of accessing my credit report. After numerous calls they provided me with XXXX number. XXXX did not understand why they did that. So I contacted Experian tech support again and after the 3rd try they advised it was due to me being locked out. They said they could not fix it and I requested to speak with a Supervisor. I spoke with XXXX, XXXX ID XXXX, who was unwilling to assist, unwilling to take ownership, unwilling to get someone on the phone who could help. She only provided XXXX which was a complete automated system no matter what IVR option was selected. I then found XXXX online and spoke with a XXXX. They advised they could mail a report which I already requested but would take 10 business days. I advised I could not wait that long due to attempting to buy a car. I requested that the report be overnighted due to a system error. The representative advised that it is a {$20.00} charge. I requested it be waived due to system issues on Experian 's side. They representative refused to do so. I request a Supervisor whose name was XXXX with XXXX XXXX. I was instead transferred to voicemail. I called back 5 times requesting to speak with a Supervisor and every representative refused. Thus I can not access my Credit information, credit repair companies can not pull the information either, and Experian is not being cooperative nor willing to further assist in resolving my issue.
Car was flooded last year in the disaster that happened here in XXXX. I was told to bring vehicle to car shop. I did and the car was declared a total loss. I have contacted XXXX XXXX many times to tell them the vehicle is not drivable and theres nothing I can do about it. I have even sent them documentation of a report from the auto shop to prove its totaled. No one has came to get vehicle and they are still reporting negative on my report.
I charged a bed to my account and the bed was put up and defective the bed bottom is no longer intact and it would require building a new platform for the bed. This is the second defective item purchased from this company. We called the furniture customer service several times and have been on hold many times and finally was told the bed would be picked up that the arranges for a truck to pick up the bed because we paid to have the bed put together. The company never picked up the bed and I still have the defective bed that mattress can't be layed in because of the poor craftmenship of the bed. I also tried to dispute a charge made at a drug store for XXXX and that wasn't resolved either. This is costing me extra interest and money. I have to take the company to small claims to recoup my funds.
I attended an XXXX school name XXXX XXXX XXXX in XXXX. I took out a student loan for the XXXX semester of XX/XX/XXXX. When the school winter break was over and the 1st week of school we was told that the school was losing their accreditation and the spring would be ending early around XXXX instead of the normal time in XXXX. So I was never able to take my spring courses bc of the school closing early due to the lost of accreditation. The disbursed the money to the school in XXXX of {$2600.00} which i did not attend any classes and the administration said that my loan would be cancelled since the school was closing. than years later i found out i still owe for a loan I never used. I been trying to talk to so many people and Navient the current loan owner which Sallie Mae was the original loan owner about this problem but since the school is considered open instead of closed even though no one attends and there is no administration they just wont consider it a close school bc the school keeps filing bankruptcy.
Dear XXXX XXXX am writing to tell you I 'm trying to work with you on my debts with you but it 's not working outI have XXXX ( XXXX XXXX ) and I can hardly do anything throughout the day. This is my third week trying to write you. I 've got a friend helping me do this complaint that I hope will work. 

You have called me about my debts and it just catches me off guard and confuses me. Please stop calling it just stresses me out. I 've tried to work out payments online and it does n't let me. The last year has been worse than ever and I 'm just trying to work things out before I die.
Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Capital One has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.
I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX