WillisBack/dataset-financial-user-claim huggingface dataset:
TransUnion refused to process the disputes that I initiated. They said they would not reinvestigate the disputes even though I asked a totally different question about a totally different aspect of the accounts. They also claim that my bankruptcy was verified by the courts. According to XXXX XXXX the Deputy Clerk In Charge of the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX, XXXX, OH " The XXXX Bankruptcy XXXX does not report the information to the credit bureaus. '' The bureaus came back calling the info verified by the courts which is false. I demanded that these items all be removed due to not being verified as required under the law but the bureau refused. 

The company claims the information is accurate. They NEVER contacted the creditor listed ( the XXXX Bankruptcy XXXX ) to get required verification and validation. I have again attached the letter FROM the XXXX Bankruptcy XXXX showing that they do NOT report. If the bureau did what they just falsified in the response to you, there would have been no response and the item would be deleted due to being unverified by the original creditor. Instead, the bureau went to XXXX knows what other source to obtain information for them to deem verified - in DIRECT violation of the FCRA. I demand that this item be deleted and that any sanctions that the bureau has coming to them be imposed for not only failing to comply with a direct dispute but also in providing a false response and false accounting of the bureau 's actions to the CFPB. Thank you for your assistance in regards to this matter. 

TransUnion also failed to respond to the CFPB 's final dispute of their response and nothing was done about it.
We financed a XXXX XXXX in XXXX, XXXX for 6 years. XX/XX/XXXX should have been our final payment. However, we took two ( 2 ) extensions and one date change. That should have made the final payment to XX/XX/XXXX. We filed a complaint with CFPB during late XXXX.We received a letter from CFPB dated XX/XX/XXXX. We received a letter from CFPB dated XX/XX/XXXX stating the company ( XXXX XXXX XXXX ) had responded to our complaint. That letter stated that XXXX XXXX received our complaint and that a XXXX XXXX had satisfactorially explained to my wife the terms of the financing. That's a blatant lie. The truth of the matter is that XXXX XXXX was supposed to explain the matter to my satisfaction. I personally made three ( 3 ) phone calls to XXXX XXXX, none of which she answered or returned. To make matters worse, CFPB simply closed the complaint without lifting a finger to check the merit of XXXX XXXX claim. I will continue to follow up on this claim until i get a legitimate response.
On XX/XX/2018 I went to deposit cash into an atm in XXXX, PA. 
It kept spitting out bills and would not take them. Because of this error of the bank, I received 2 overdraft fees. My close relative was in the hospital, and I could not get to the atm by XXXX, but this was an emergency situation. I at least wanted to have the full deposit in there asap of {$650.00}. 

I have had multiple problems with their atms, at many of the branches. 
I want these fees reversed, I am going through a major turmoil with my family right now and do not need aggrivation!
American Express Gold XXXX Credit Card requested credit reports for myself from the Credit Reporting Companies XXXX times ( i.e. XXXX ), from XX/XX/XXXX to XX/XX/XXXX. I contacted Experian after running a Credit Report to verify, they verified it, and suggested contacting American Express. American Express Executive Customer Service representative looked up to verify and requested copy Credit Report I had in possession related to queries, which was sent in email attachment to AMEX, re : Dates of Request ( XXXX times ). American Express stated they would investigate and get back to me in a few days, American Executive office contacted me back and stated those inquiries where for " promotional purposes '', which differed from information that was provided to myself from Experian. I respectfully submit a complaint to the CFPB, as this I feel could greatly affect my Credit Score or Credit Standing by the Reporting companies, especially if a Credit Report is run for new or updated credit application. Thank you.
I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX XXXX XXXX, JP Morgan Chase, and XXXX XXXX. 
In XXXX of XXXX, we agreed to a debt reconsolidation for a credit card from Chase Bank. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX XXXX XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a XXXX XXXX. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XXXX XXXX XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX, XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a XXXXtop Payment on all checks from XXXX XXXXXXXX XXXX. 
We consider XXXX XXXX XXXX XXXX to be primarily responsible for this issue. We are naming JP Morgan Chase because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.
. In XXXX of 2014 I called in to my student load holder and found out that my loans were in default. I then was set up on a payment agreement over my schedule payment to bring my loans out of default after 6 months. After completion of the 6 months my loans remain in default. I was then told until I repay the past due balance I would remain in default. My only option now is to increase my payments again over my loan payment. I want to continue to pay my student loans as agreed and not have it effect me negatively while continuing to pay. I am not looking for a way out of paying loans but to bring my loans out of default status.
I have payments of {$360.00}. a month for a 2012 XXXX XXXX. For the past two years everything was fine until I ran into some financial difficulties. If i miss a payment, they constantly call me several times a day.They also call my friends and relatives. I 've told them at least XXXX times to cease and desist. They still keep doing it. I want them to leave me alone.
I have a negative acct on my credit report from AFNI a debt collection agency. The original creditor is XXXX XXXX XXXX. I have disputed the date with XXXX 3-4 times now. I have called AFNI concerning the date and was told they do n't have records of anything more than my personal information and the amount of the debt. I have been told the time of the debt on the credit file is XXXX yrs from the date of last payment. I have a past due bill from XXXX XXXX XXXX dated XX/XX/XXXX but AFNI has challenged each time listing it as XX/XX/XXXX which is when I believe they purchased the debt. I have been dealing with this for about 6 mths now.
The recent Equifax breach ( summer XXXX, reported XXXX XXXX XXXX means that my personal information ( along with that of XXXX XXXX other XXXX XXXX is now in the open. 

I never authorized Equifax to have this information in the first place ; by not properly safeguarding it, I am now at much higher risk of identity theft and fraud. I will have to take additional steps for many years to safeguard my finances, costing me time and money.
I have requested validation on acct # XXXX and I have yet to receive sufficient validation information. A statement is not sufficient validation. Please provide paperwork regarding this debt, namely a contract signed by myself authorizing the original credit line or interest/fees information authorizing the debt collector to add additional expenses to the original debt balance. 

The date the debt was transferred from the original creditor to the third party debt collector.
XXXX has been non-compliant with removing the unverified account WELLS FARGO BANK CAR which has been deleted by XXXX and XXXX. XXXX  and XXXX have both completed their research and determined that WELLS FARGO BANK CAR was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
I 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, XXXX and Equifax do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.
I never received statements from  Wal -Mart. When  did get them I was in hospital and explained to them. Caught payments up and they closed my account. Have asked them to reduce interest rate or reopen account. This is the only mark on my  credit score .
I have uploaded the document from XXXX as it does not pertain to me as they are looking for information from the decedent, the all cap name listed on the debtor document. I do not have any credit reports and did not consent to any, if they are reports they are total fraud and proof of that is the second document uploaded showing me, the true creditor before anything is contracted. Everything is commerce the all cap name that XXXX is looking for is DOG LATIN also called American Sign Language, " GLOSSA, '' is the ALL CAPS language used by various courts and governments to steal the identity of any sovereign man. Find Dog Latin explained in the Article : 11:147 Chicago Manual of Styles : Sixteenth Edition : Foreign Languages. You find this counterfeit immoral language of Symbols on a driver 's license, court documents, passports, etc. You can look at Blacks Law dictionary 4th edition. 

The DOG-LATIN text is found on the tombstones of a grave. XXXXog Latin is the engraved image on the tomb, the written text of the dead. It is debased Latin, appearing as a written sign language without the hyphens. Written Sign, subject to the grammatical rules of Latin, appears in ALL UPPERCASE TEXT LIKE THIS. 

There are three languages, one for the debtor, one for the creditor and one for the administrator .... Even though I used to assume that I can read all three, they are totally three separate languages and have no jurisdiction with each other unless I " consent ' ... but my past consent comes with ignorance of the difference between such three languages and assume them to be one language, it's all a big fat lie. 

XXXX  keeps pushing the fact that if I would like my personal credit report that I would need to call and request it from them. How can I call when I do not have any credit reports when the legal name shown on the document is a corporation that is used by the government.
Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at  XXXX   XXXX   XXXX   XXXX , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX   XXXX  ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED M Y INFOR  AS I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the  SSN is m atching. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.   Accounts Reported Balan ce   XXXX   XXXX   XXXX    {$4600.00}   XXXX   XXXX   XXXX   {$3600.00}    XXXX   XXXX   XXXX   XXXX    {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have th e Legal Permissible Purpose to access my credit report and under FCRA can be dispute d through the credit bureau. It is then the companys responsibility to prove permissible purpose i.e.  Inquiry for cre dit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.  <P/> Inquires Number Thereof   XXXX   XXXX      XXXX    XXXX   XXXX    XXXX   XXXX    XXXX    XXXX   XXXX     XXXX    XXXX   XXXX    XXXX    XXXX    XXXX   XXXX   XXXX   XXXX / XXXX   XXXX   XXXX    XXXX      XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX    XXXX   XXXX    XXXX    XXXX   XXXX    XXXX   XXXX / XXXX    XXXX      XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX
Bank of America credit card company charged {$3.00} interest to {$280.00} balance subject on XX/XX/XXXX. For this bill, I made {$310.00} of purchase which is due on XX/XX/XXXX. 
For the previous month, I paid in full the new balance total of {$900.00} ( {$570.00} ( the previous balance ) +late fee {$25.00} +interest {$12.00} + $ XXXX {$900.00} ) on XX/XX/XXXX which was before due ( XX/XX/XXXX ), and there was no balance for the interest. I don't understand where both the balance {$280.00} and the interest {$3.00} are coming from. 
On XX/XX/XXXX, I talked with XXXX in North Carolina branch of bank of America credit card. She told that BOA has a policy that they charge the interests 'double ' consecutively for the 'one ' billing cycle of the unpaid balance, even though I paid it full amount of New balance on next month which includes late fee and the interest. So, when we both read together the policy on the statement, it says : BOA will NOT CHARGE interest on purchases on the next statement if you had paid the new balance total in full by the payment due date. The BOA policy is totally opposite of what she said. When I asked the explanation it to her, she hung up the phone.
XX/XX/2018 Good morning Consumer Financial Protection Bureau, I tried to pay my Mortgage with Bank of America this morning through online banking by transferring funds directly to my mortgage account and BOA app would not let me pay. So I called Bank of America to see if there was an error. 

The representative told me that they have transferred my loan to a mortgage company named XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I XXXX  this company on the XXXX  websites and if I am correct it says it is not accredited. Also the complaints with this company are very high. 

I would like to make a complaint to stop this transfer of my mortgage to this company. I have struggle to pay my mortgage between the XX/XX/XXXX through the XX/XX/XXXX of each month, but never after theXX/XX/XXXX of each month. I have occurred an outstanding late fee attached to my mortgage but will pay fees off by XX/XX/XXXX of this year. About five or six years ago I applied for HAMP or HARP with Bank of America, they denied the Modification twice maybe even three times. So I reached out to a HUD counseling Non- Profit Organization and they helped me get my loan approved. I now have an HAMP or HARP which is an ARM Loan with BOA. I asked why was this loan approved as an ARM? I was told that is how the loan is set up with Bank of America. 

I really do not want my loan transferred to this company XXXX XXXX XXXX XXXX and I am afraid that they would start an foreclosure status on my home of eighteen years and I am a single parent of XXXX trying to do the right thing. Please assist me with this complaint. If you need additional information I will forward you my email address. 

Best, XXXX XXXX
Just initiated a credit report from Experian and found a residential address not belong to me. XXXX made credit inquiries on me on XXXX/XXXX/2016 the same day someone created an Social Security Administration online account and used my personal information.
I am in the process of purchasing a home. I had my credit pulled prior to closing and was surprised to see a collection from XXXX XXXX XXXX which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
I made the  XXXX  payment of my mortgage on  XXXX   XXXX .  1st Alliance  and their mortgage servicer   XXXX   charged me a " late '' fee because they assumed the payment was for  XXXX . I had made  XXXX  's payment at the beginning of  XXXX  and am current on all my payments.     This is just a way to fleece money from people. Who heard of charging a late fee when you pay early?
On the XXXX of XXXX, XXXX at XXXX I sent XXXX Bitcoin ( XXXX ) to Shapeshift 's service in exchange for XXXX Ripple ( XXXX ). The value of XXXX at the time was approximately {$17000.00} which would equate to ~ {$720.00} and the value of XXXX was approximately {$.00} which would equate to ~ {$710.00}. However, this transaction and Shapeshift has now held my funds without allowing any access when I was supposed to immediatley recieve my XXXX  XXXX.

Shapeshift 's support team has now reached at to me and said they will refund my original XXXX in the next coming days. However, my original XXXX amount is worth only ~ {$520.00} and the XXXX I was supposed to recieve is now worth {$2000.00} as of today,XX/XX/XXXXI have demanded to recieve the XXXX but their support team is of no help. They claim that any errors in their transaction will result in an IMMEDIATE and AUTOMATED refund of the original payment method but they have failed to do so. So, they 've now held my money for 15 full days.

Many other have the exact same issues as I 've seen on forms such as XXXX
* My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with Experian on XX/XX/XXXX. Complaint about negative posting on Experian Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XX/XX/XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I  received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.
After being unemployed for several years, I secured a position at a XXXX XXXX in XX/XX/2018. I was excited to begin reducing my student loans that were on deferment for many months. Once I started working, I later applied for PSLF and submitted all the necessary documents. My first set of paperwork was submitted in XXXX but three months later, XXXX sent me a notice that it was incorrect. I immediately resubmitted the paperwork and continued to XXXX payments of {$400.00}. Later, I was sent a statement for {$200.00}, then another for {$380.00} because XXXX is unable to determine my income based repayment amount and none of my payments were applied to the PSLF program. See attached statement. I have spoken with a representative each month since then and they are still unable to determine an amount. My total amount paid is {$800.00} since XXXX and {$790.00} is applied to interest and {$.00} is applied to principal. It seems that this loan forgiveness program is a scam. A scam because it is taking  XXXX 3 months to determine my payments while I continue to pay and none of them were applied toward PSLF, which means I have to pay beyond the required time frame. The interest rate on the loan is 8.25 % and I am unable to set-up the auto payments for a rate reduction, because once again my final payment is undetermined. As per XXXX, they can not refi even with market rates at approx 4 %. I feel very betrayed by this program, considering my determination and excitement to finally having the ability to pay-down the loan.
This is the third complaint on Nissan Motor Acceptance Coroporation. I called Nissan and told them I had a domestic dispute and was in the hospital XX/XX/XXXX. My kids and I were in crisis. I was granted an 90 day deferment,. I have been complaining about an investigation on what happened to this call. Third complaint on XX/XX/XXXX. Recovery Spotters a total of 5 were following me. I pulled in a neighborhood and refused. I was still followed. I had XXXX children in the car. I pull in my car. My children were afarid. A total of 8 recovery spotters were driving on XXXX XXXX XXXX XXXX TX XXXX at high rate of speed. I called the Constables office because I have some right to peace of mind and my children does n't need to be in fear. The Police parked in front of my home after I filed a third report. Of Agents tapping on my window and disrupting my neighborhood at night After the Police told me he was off his shift. Around XXXX Recovery Spotters were again going at high speeds down the street. My Neighbor chase one down to tell them to stop. Also he knew I was afraid. There is one main street in my neighborhood. There are children. Again for the third night. Breach of Peace is broken. I should not be afraid while working with Nissan to recover a phone call. I also submitted a legal notice to Nissan to cease this unlawful acts. I 'm in fear. The also are children on the street one can be harmed