WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion is not reporting correct information to my credit report. The name on my credit report is wrong, I have never went by XXXX XXXX XXXX. I have submitted my Florida driver 's license and my marriage license to Transunion on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX but I never had the error corrected. Also XXXX collections that were fraudulently open still reflect my credit report. XXXX from XXXX XXXX XXXX who I do not have the account number for instead I have a reference number it 's XXXX ; should be removed. I made a fraud affidavit with the FTC known as identity theft.gov and the reference number is XXXX. XXXX XXXX XXXX agreed in writing to remove their Collections too but only removed them from XXXX. That collection should also be removed from my credit report. The other fraudulent collection is from XXXX XXXX XXXX whom they also agreed to remove that collection. Keep in mind that none of these debt XXXX never sent me any notice that I was being placed in Collections. They never gave me any time to dispute these fraudulent accounts. It 's the law for these companies to do that. You are aiding and abetting these companies to break the law by letting them report false information to my credit report. I need the name on my credit report fixed it should be XXXX XXXX that is who I am. I 'm not changing this is who I am not XXXX XXXX XXXX. I do not know who that is.
After 70 years as a business checking customer US Bank closed our account without notice. We operate a small, family run XXXX in XXXX, Oregon. In XXXX, the branch manager informed us that the bank had misplaced our signature cards and they required a new one in order to keep our account in good standing. In reviewing our account, it came to the attention of the bank that we had an ATM on site. US Bank had inquired about ATM activity and asked that we make withdrawals daily when for the last 30+ years we 've been making deposits and withdrawals weekly. It is worth pointing out that our ATM does n't allow deposits. US Bank 's XXXX staff asked us to make cash withdrawals daily instead of weekly. We argued that daily withdrawals do n't fit into our workflow and that we are a low money laundering risk. Upon request, we provided a list of vendors along with a .pdf of our reconciliation paperwork on XXXX XXXX, 2015. In mid XXXX we resubmitted the signature card to the branch, at which time the branch manager informed us that a letter may be sent informing us of our account closure, but to disregard it now that we had everything submitted. The branch manager thought the documentation provided was very clear and precisely what the bank required. On XXXX XXXX, we went and did our deposit and our online bill pay, like normal. On XXXX XXXX, when going in for a change order, we discovered that our payroll account had already been closed and that our other XXXX account were in the process of being closed. US Bank 's XXXX team could not understand the .pdf and neglected to ask for any additional elaboration or clarification. They asked for a spreadsheet which we provided on XXXX XXXX. On XXXX XXXX, we received a check for each of our closed accounts. The branch manager was embarrassed by the actions of his XXXX team and apologized to us. He said he could n't believe this was happening and could n't believe he was suggesting we find another bank. On XXXX XXXX, we established a relationship with XXXX Bank and are now using them as our bank. The actions of US Bank were without warning or merit and were clearly unfair. This feels like a violation of the UDAAP standards. We are a family run business that has a strong history of support in our community. We had bills in transit, were assured that the online bill pay checks were not going to be issued ( but they were issued ), and ended up bouncing several checks since our account was closed without notice or warning. We also have payroll checks that are likely to bounce. We had to reach out to our vendors and employees to explain the situation to them. This is not only embarrassing but it 's a significant reputational risk to our business. We still do n't know the basis of US Bank 's XXXX decision. This is incredibly frustrating.
XX/XX/XXXX SENT ME AN EMAIL STATING THAT DUE TO THEIR INACCURACIES THEY WOULD BE REMOVING A NEGATI E ITEM FROM MY REPORT, THAT NEVER SHOUL DHAVE BEEN THERE. I HAD MOVED, CALLEDC THEM, AND THEY NEVER CHANGED THE ADDRESS. I THEN SPOKE WIOTH THEM THROUGH PHONE AND EMAIL AND THEY RECTIFIED THE PROBLEM, RMOVING IT FROM MY CRED IT REPORT. IT HAS NOW RE-APPEARED MULTIPLE TIMES, SAYING SOMETHING ABOUT ME DISPUTING, WHICH I NEVER DID, THE INFORMATION IS COMPLETELY INACCURATE AND I HVA EPROOF THEY LIED ABOUT REMOVING IT. THIS IS A CLOSED ACCOUNT THAT WAS NEVER NEGATIVE AND THEY PROMISED TO REMOVE AND DID, ONLY TO HAVE IT RE-AOPPOEAR AGAIN.
I never received notification from Southwest Credit Systems for the XXXX accounts they are now reporting on my XXXX credit report. These accounts were also on XXXX and XXXX, but after disputing they were removed. I have requested debt validation regarding the XXXX accounts. All I received was an incomplete " statement '' XXXX attached ). I requested proof that the Statute of Limitations has not expired on either debt as well as proof that this agency is licensed to collect debt in my state. Also, a signed contract proving I owe Southwest Credit Systems was never received. I do not know who these people are. I looked them up on the BBB website and found that there are many complaints and lawsuits filed XXXX attached ). I believe this company is in violation of the FDCPA. Account # XXXX : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
You have XXXX XXXX listed twice on XXXX/XXXX/15 ... you penalize me for inquiries and the count them twice
I have been diligently trying to challenge some fraudulent items on my credit report with Equifax and between XXXX and today Equifax has refused to respond to my letters and or online request. 

I cant view my Equifax reports on XXXX XXXX, Equifax.com or XXXX XXXX XXXX. I found a way to view them finally about a week ago bit Equifax is still ignoring me. This violation of the fcra and if im not able to check my reports and have a proper dispute investigated then I will if need be contact a FCRA attorney, also I have always sent in the required documents to verify my identity. My id social security card and proof of address listed on your website. Th proof ofaddress was dated within the last 30 days and im elderly and XXXX  so they are violating the American disability act. they are taking advantage of the ederly
A few months ago I created an account on the XXXX XXXX website out of curiosity. Since I 've never had a credit card, the site displayed no credit history. To my surprise, I was then informed that there is a closed collection that I never knew about, or closed for that matter. I was treated by these medical professionals years ago, when I was severely XXXX. At that point in time, I was completely XXXX. I had a similar problem some time ago with creditors, and this one must be addressed as well. I was never made aware of this debt until viewing my credit report for the very first time. I should have been made aware of this debt. If that was the case, it would have been paid already and would n't appear as a stain on my credit report. The fact that it remains on my report when I did n't even pay it to begin with is baffling. If it was n't my debt, then why is it there?
Bank of America offers a credit card with cash back. ( Better Balance Rewards ). I met the terms and conditions but due to their programming negligence BOA is refusing to honor the bonus. They claim you can use the bonus to pay down your balance but when I did so they said the payment was not programmed " to COUNT ''? 

I was required to make more than minimum payment. 
My account balance was XXXX. 
I paid my credit card in FULL every month. 

So let me get this straight..I have a Minus credit balance, and no [ payment is due but Bank of America says I failed to meet the minimum payment? How is this possible???? 

The BOA card was set up for automatic payments. The cash back was automatically set up to put cash back onto the card. It is YOUR system. Fix it and do n't blame the customer for faulty system logic.. ENOUGH already. Own it.
I used two credit cards of Bank of America to pay for a product belonging to " XXXX XXXX company ''. After the payment to this company I was supposed to receive a service, which they didn't provide it ( which this company has done this to may people, they are fraud and scam, which everybody including me has filed a complaint to FTC which you can see the complaint here in this link http : XXXX ) therefore ; I contacted the BOA and asked for dispute and i provide them with plenty and needed documents.The BOA did not do anything about it and they just say that because the contract says it is " nonrefundable '' they can not do anything about it.I used other credit cards for the same issue, Like XXXX and XXXX. They accepted my reason and they really worked on it and they resolved it.
Lexis nexis consumer reporting reported a bankruptcy to all XXXX credit bureaus that has been dismissed I disputed with them they state they verified the bankruptcy with the court. They provided False information I have enclosed a letter from the courts that they Do Not Verify Bankruptcys with credit reporting or anyone nexis lexis provided False information to me and Violated the Fair Credit Act I want the bankruptcy deleted from all XXXX credit reports XXXX XXXX and XXXX and lexis nexis
XXXX XXXX, 2015XXXX : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. Experian Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. 

Since you now have acquired this inaccurate disputed account. I have never been notified by XXXX XXXX XXXX of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. I request an investigation for this re-inserted inaccurate account.
In XXXX I purchased a vehicle from XXXX XXXX or XXXX Services. The vehicle is a XXXX XXXX and was in fair condition at the time of purchase. I had recently been involved in a divorce and my options were limited at the time due to bruised credit. I believe this lender has been engaged in predatory lending practices as a result. The loan is based on a simple interest loan exceeding an APR of 24 %. I have had to modify this loan on several occasions thus putting me further and further behind. The current payoff balance as of today is {$10000.00}. The purchase price of this vehicle was $ XXXX over 4 years ago. I have roughly paid over $ XXXX in interest and down payment since the inception. I have on several occasions asked to be refinanced or to put me into another vehicle. The response was that the balance would have to be paid down to {$4500.00} but at this rate that would take another XXXX years. To boot the car currently is in need of over $ XXXX in repair including engine work, and multiple other issues. This loan has since been serviced by Bridgecrest. Please look into this loan to determine if this is predatory lending based on FCRA and other Consumer Finance Laws. 

Thank you!
The collection company is Transworld Systems Inc In attempting to collect a tollbooth debt which I already paid when I went though the tollbooth with my XXXX, they accidentally sent me a bill/documentation for someone elses debt. I was shocked. I got a copy of this persons medical bill, their name, and their address, not to mention medial information about them. Its a total breach of this persons confidentiality and that is why I am filing this complaint. Totally unacceptable.
Currently XXXX XXXX Military. Loans were in deferment tried to get the loans on income base repayment. Navient continue to only put them in differment causing XXXX in interest as well as this loan which is in the amount of XXXX is continuously hurting my credit score and the lender is very difficult to work with every time I look my balance is going up.
My husband and I are buying a home and the lender indicated to us that a dispute came up on my credit report with a credit card company. I the credit card company and they said that they did have a record that showed there was a dispute many years ago, but that it was from so long ago they could n't give me any information other than it had since been resolved. The rep I spoke with said that they would contact the XXXX bredit bureaus that they work with to ask that the dispute be removed from my report. The rep said it could take up to 90 days to resolve, which is not a timely fashion when purchasing a home. Given that the dispute was so long ago it is strange that this was never done before- I certainly did n't know it was my responsibility to make that request. I thought after I had paid the card off and closed the account it was over. ( I knew my score could be affected for up to 6 years, but it has been over that period of time and I never followed up. ) I think it is important for consumers to make sure they follow up because it is evident the system of reporting/resolving is not efficient or necessarily accurate.
I sent XXXX to a friend in Virginia to give to my sister because she needed the funds. Money gram took the money along with the fee from my card sent me a confirmation with a reference number to state the funds were ready in Virginia. When the receiver arrived she was told that the funds were not there and the number was invalid. I called money gram and after being hung up on several times I was told that they would refund {$2700.00} ( including there fees ) in XXXX4 business days. I explained that this was an emergency. They said no it was a scam area. I asked why did they remove the funds. I explained that my online account has sent money to this individual person and they said no. Now my family member is in danger because I do not have an additional {$2500.00} laying around to help her.
Ive Been trying to resolve the multiple duplicate negative student loan accounts on my credit report. The credit bureaus are neglecting to verify my account properly. If they can not verify or determine which ones are duplicate or original. I am requesting that all be deleted.
XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than 7 years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans.
This is the private portion of my student loans to attend XXXX College in XX/XX/XXXX. There is XXXX issues with this so called debt. First I have never been able to get a job due to the lack of the proper training. This is the same reason that XXXX College was shut down. I disputed this debt with new collection company in XX/XX/XXXX. Under the Fair Credit Reporting Act they are required to send me the original contract. Instead of sending the original contract they sent me a contract with no signatures, the wrong address, and a lot of other missing info. 
The second reason I do n't feel I owe this debt is in XX/XX/XXXX I XXXX. All my federal student loans have been dismissed by the government and this loan should follow suit, but typical of a greedy corporation they want me to pay for a bogus degree that I ca n't even get a job with.
I have numerous complaints about my loan servicing company, Navient, and was only allowed to select one issue on the previous page. I can enumerate all of the issues below : Initially, I have always been a public servant when repaying my student loans, and have always attempted to be qualified for the public service loan forgiveness program.

1. I was given completely incorrect information regarding payment plans, payment amounts, and was not provided the right information regarding the lowest payment possible. For the first several years ( XXXX ) I was not making the lowest payment possible. I found out many years later that I could have qualified for payments under {$100.00} a month, but was paying 2 or 3 times that amount at any point.

2. I took out a mortgage on my home to pay down my balances. I made it VERY clear that I wanted the payment to go towards the principal balance. Yet, Navient ( around XX/XX/XXXX ) repeatedly applied the balance to future payments. For nearly 3 months I repeatedly called Navient to have them apply the balance to the principal. I am still unsure if they charged me interest on the larger principal balance during that time. 

3. I was told in XXXX or XXXX of XXXX and again in XX/XX/XXXX that I did not have to certify my student loans for PSLF until I had made 120 payments, and that Navient was keeping track of those payments. However, I recently found that many of my coworkers certify their employment on an annual basis, and that their loans are held by XXXX XXXX XXXX. I attempted, once a month, for the last 18 months ( XX/XX/XXXX to present day ) to get information from Navient regarding any PSLF certification paperwork. They REPEATEDLY told me they would send me information via email or mail, and I would never receive this paperwork. Finally, I went online and did a search on my own. I have attempted to get documentation regarding my numerous phone calls and was told they do not email others. Further, I was told that they do not keep any log of calls made by borrowers.
While I was in XXXX and then on XXXX XXXX in XXXX from XXXX-XXXX, XXXX roommates that I had been living with left the apartment without my knowledge. When I returned home, I no longer had contact with the roommates and several years later, I started receiving harassing phone calls from IQ Data Int'l. They kept asking me for contact information for the XXXX former roommates, which I did n't have. They accused me of lying, they yelled, they told me I had to pay the outstanding debt immediately, otherwise they would n't " give me a deal '' and then they threatened to sue me. 

When I explained that I was in XXXX and did n't receive any notification that my former roommates left, they said " that does n't matter. '' They kept cutting me off when I tried to explain I was n't even in the country and the representative from IQ Data said " You need to stop talking and listen me. '' They would n't let explain and they just kept yelling at me.
My student loans switched from XXXX ( Account # XXXX ) to Navient ( Account # XXXX ) in XXXX of XXXX. I recently tried to register my account online in XXXX of XXXX at Navient.com and I received an error message saying that it did n't recognize my information. I contacted Navient customer service on XXXX/XXXX/XXXX and spoke with XXXX. She stated that there was someone else 's name tied to my account. This is the reason why I ca n't register my account online. She reached out to their tech support and she said that it would be a 24 hour turn around. She stated that I should check back the next day and see if I could log in. I checked back the next day and it was the same error. I checked again the following day and the same error. I emailed the Office of the Customer Advocate on Thursday, XXXX/XXXX/XXXX, and informed them that I was attempting to register my online account and that I received an error message. I called the Office of the Customer Advocate on Friday, XXXX/XXXX/XXXX, and spoke with XXXX XXXX. She confirmed that when my records came over from XXXX they added an additional name to my account in error. She stated that this will not allow me to register my account online. She said that she received information from XXXX that day, as she was talking with me, confirming that I was the only borrower on the account and that all she needed was my Driver 's License sent to her via email and that she would get this corrected ASAP. She said that she would update me by email. I emailed her a copy of my DL that day. I received an email on, XXXX/XXXX/XXXX, stating that she called me and was n't able to get a hold of me. This was incorrect as I have n't received a call from them nor had I spoke with anyone since the prior Friday, XXXX/XXXX/XXXX. I have been attempting to register my account every day since and I continue to get the same error as before. On XXXX/XXXX/XXXX I decided to file a complaint with the Better Business Bureau. I received an email from XXXX XXXX on XXXX/XXXX/XXXX with Navients Office of the Customer Advocate stating that he was going to be corresponding with the BBB to resolve my concerns. I checked my case with the BBB ( Case # XXXX ) today, XXXX/XXXX/XXXX, and Navient responded to them stating that they would be corresponding with me to resolve the matter as of XXXX/XXXX/XXXX. I fear that this may not get resolved and that I may continue to get the run around. I just want to pay on my student loans with confidence that I wo n't be paying on someone else 's loan. I would like for them to resolve the issue with my account because I continue to receive notices from Navient and XXXX XXXX XXXX regarding my Navient account as I am past due. It has been three weeks and I am still having the same issue as day one. Can someone please see if this can be resolved swiftly? It will be hitting the 90 days past due mark on XXXX/XXXX/XXXX. This could have a negative effect on my credit. And, I definitely dont want any problems with the IRS due to my loans not being paid. 

Thank you for your assistance with this matter, XXXX XXXX
XXXX XXXX is attempting to collect on an invalid debt from a prior creditor. The initial creditor XXXX XXXX  XXXX breached their contract by not adhering to my request to fix hazardous problems. 
In addition to this XXXX XXXX  XXXX tried to hold me accountable for rent when the contract had already been terminated. XXXX XXXX XXXX then sold the alleged debt to XXXX XXXX  within months this was being reported on my credit report without an initial attempt to collect on the debt, I was never notified of my rights, nor was I given the opportunity from XXXX XXXX to prove the validity of this debt. I hold both XXXX XXXX XXXX and XXXX XXXX accountable because my rights were violated under both the Fair Credit ReportingAct and the Consumer Financial Protection Bureau. XXXX XXXX XXXX did not follow rules and regulations per the XXXX XXXX XXXX-If you dont receive a response within a reasonable time, re-notify the owner/manager orally and in writing. If you still dont get a response, you may have legal grounds to exercise statutory rights of lease termination, compulsory repairs, damages, penalties, third-party repair and deduct, and attorneys fees. ( Instead of giving two separate written notices, you can give a single notice if it meets certain standards provided under state law. ) Under this rule my lease was legally terminated and other tenants have since then resides in the property.