WillisBack/dataset-financial-user-claim huggingface dataset:
Problem with Transunion : I can not get a free report. 

History of the problem : For the first time in my life, on XX/XX/2018 I attempted to acquire all 3 major reports by checking each box of Transunion, XXXX, and XXXX  through the website XXXX XXXX XXXX. 

The data entry screen was filled out with the correct personal information. 

In the first 2 selections ( Transunion, XXXX  ), I got error messages and the reports were not generated. In the third case on this same multi-attempt, I received the XXXX   generated report in pdf form successfully. 

I contacted my credit card company to alert them I could not get the Transunion report. They told me to try again by filling out the form, as done before on XXXX XXXX XXXX On XX/XX/XXXX, I did this and again ... now the prompts state I have already received the report from Transunion, by selecting only their box on the entry screens. ( did not try XXXX ) I called Transunion twice on XX/XX/XXXX, in each case the representative walked me through the process online and the same message appeared, " unable to process ''. The first representative referred me to XXXX XXXX XXXX to set up my account to see the report. It was NOT as expected. It is an HTML, watered down version of a pdf / hardcopy report with little detail. In addition, its packed with subcription solicitations which are NOT free. 

The second representative walked me through again, and same result : I was locked out because it states I have already received the report I then spoke with a Transunion supervisor ( XXXX ) finally and he verifies that error codes are present based on my request attempts at their recommendation. However he is unable to do anything about it. and referred me to XXXX to request a hardcopy by mail. I did that. It requires 6-8 days. XXXX was useless in resolving my complaint. 

However, the root cause problem is the https : XXXX Website spitting error messages, which after one time of error messages, locks me out from receiving my free annual report. " XXXX '' is unable to explain why but bear in mind, my first attempt to procure the 3 credit reports had generated one successful report of the 3 ( XXXX ). 

Thoroughly disgusted with the process here. And will now have to wait 6-8 days to see if a hardcopy shows up in my USPS box. The problem at Transunion, they are all stuck in their departmental chimneys and won't learn about the customer problem, only they recite the pre-programmed rhetoric they are empowered to convey which still does nothing for me the customer.. 

I still have no report and it is a FEDERAL STATUTE that I am entitled to this information. Transunion as of today has not met the requirements of the law.. 

Assuming no mail hardcopy by at latest on XX/XX/XXXX, what is the recourse of action to take against Transunion, short of PAYING FOR IT? 

Next up : Attempt to get XXXX report. Wish me luck.
Theres company XXXX XXXX they are collections agency for XXXX in the amount XXXX. Thats not my account its a fraudulent account, which is obtaining different social security number and reporting on my credit.never opened a XXXX account. Also XXXX XXXX another account placed on my credit report.im victim in identity theft I have sent all three credit bureaus my proof of identity, also included police reports all this fraud on all three credit bureaus.
This is about the 5th time that this has happened. TransUnion has reported incorrect information on my report. I am showing an open loan on my credit that is not mine. It was opened XX/XX/2018 from XXXX XXXX. I spoke with XXXX on XX/XX/18 at XXXX XXXX They confirmed I did not have an account with them and saw another account with a similar s.s. number that was open on the date reported. They said it was a reporting issue on the side of TranUnion. I need this information corrected immediately.
I have a student loan with NJCLASS, this XXXX loan has no issues and is being paid as agreed. On a separate loan, also with NJCLASS, has been placed in default and sent to a collection agency. The collection agency has been unprofessional and difficult to deal with. They have refused several requests by me of a itemized accounting of the monies paid to them by me. The next thing I recieved was a copy of a motion for judgement filed with the court. Shortly afterwards, I recieved a letter of which I was copied on requesting the court to withdraw their motion. When I attempt to communicate with them they treat me awful and threaten me with various types of actions, yet when I request documents they blatantly refuse to provide me with anything. I no longer feel comfortable sending payments that they can not provide an accounting for. I have contacted the NJCLASS and they have n't been able to provide any assistance regarding this issue. During the initial period of which they claimed to have mail bills and contact me regarding a potential default I lived a multiple addresses while trying to find permanent housing. It 's highly probable that if they did send me notifications I did not recieve them because I was without a permanent address for several months. I still am perplexed that while I maintained payments on the other loan, that they would have not been able to communicate that my other loan was in jeopardy, as I called in and those payments were made by phone.
was a victim of inquiries Transunion and XXXX said they can not help me I need to call or send each creditor letter to dispute.
XXXX XXXX XXXX XXXX XXXX Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. 

To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. 

I have sent letters to XXXX XXXX  XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.
I received a check for the value of {$3400.00}. I believe this to have been a fraudulent check, but did not know at the time I deposited the check. I deposited the check into my Chase checking account on XXXX/XXXX/XXXX. I was informed by the scammer on XXXX/XXXX/XXXX that I needed to withdraw {$2500.00} of the money that I deposited, and submit that money into another Chase business account. I can provide the name on the account and the account number, upon request. I believe this account is directly associated with the scam. I submit the {$2500.00} into the account provided on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a notification from Chase stating that my account was overdrawn by {$2500.00}, because the check for {$3400.00} had bounced. I called Chase bank to try to figure out what had happened, and spoke to several different customer service representatives. The last representative I spoke to instructed me to go to the Chase bank branch I made the {$2500.00} deposit, and instruct the bank teller that I worked with to contact a number that they provided me. Upon arriving at the Chase branch that I made the deposit at, they informed me that they would not, under any circumstances, call that number, and that there was nothing that I could do in this situation aside from paying the negative balance on my account. I have submit a police report, # XXXX, and can provide a copy of the report upon request.
When applying for a mortgage I discovered a debt listed on my credit report that I do not believe I owe. 

The account was for {$110.00} from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was dated as being opened in XXXX. 

I sent a letter to XXXX XXXX asking that they provide me with the amount I owed, the name of the creditor to whom the debt is owed, verification of the debt, and proof they were licensed to collect the debt. They failed to respond to my letter and I filed a dispute with all three credit bureaus which resolved in my favor and the invalid debt was removed from my credit report in XXXX of XXXX. 

Recently I received an alert from my credit monitoring agency and they informed me that this debt has reappeared on my credit report under a different company. 

Enhanced Recovery CO of XXXX XXXX XXXX, XXXX, FL XXXX is reporting that I owe them {$110.00} and they set the date of the collection as of XXXX/XXXX/XXXX instead of the previous XXXX date in attempt to prolong the duration this invalid debt would stay on my credit report which I believe is a misrepresentation of the debt and a violation of the Federal Fair Debt Collection Practices Act. Enhanced Recovery CO has also failed to send me an initial communication as required by the Colorado Fair Debt Collections Practices Act.
OCWEN claimed I did n't have adequate hazard insurance last year ( XXXX ), although I sent them a copy of my policy. I received another letter saying I did n't have insurance, sent them another copy of policy. Another letter saying they have now purchased insurance and I owe them {$1500.00} from my escrow. I had my insurance company send the policy and they finally corrected the issue and refunded the money to my escrow. Fast-forward to this year ( XXXX ) and the same song and dance is occurring.
I requested that my checking and savings account with SunTrust Bank to be closed more than six months ago. The checking account was closed but for some reason the savings account was not closed. Now some charge has been applied to this account, please note there were no auto drafts set up on this savings account and the account should have been closed, and now they are adding an over draft fee. I have made several attempts to resolve this with SunTrust Bank customer service but they have been no help. I believe this is exactly the type of customer abuse the CFPB was setup to stop.
I applied for a loan for {$400.00} to help pay my mortgage since my husband passed away I got behind on my payments. When I applied because I was desperate I did not understand the terms and conditions, for a {$400.00} loan I am being charged {$1900.00} and if they take it out of my account I can stand to lose my home. I am on Social Security and {$200.00} a month is more than I can afford. Please help
This complaint was submitted previously complaint number : XXXX In the previous complaint the creditor stated a letter was sent to all three bureaus to have this deleted from my credit report ; however, this is still reporting on ALL 3 bureaus. I would like the letter to be sent directly to me as well as the reporting agencies. I think enough time has been allowed to get this removed.
To Whom It May Concern : IN RESPONSE TO CFPB:XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

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 Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed Per Equifax this occurred mid-XX/XX/XXXX through XXXX of 2017 I have completed a 90-day fraud alert on my file with the 3 credit reporting agencies, but if my information is compromised the attackers could just wait.
I have received more than 70 calls from Wells Fargo since XXXX XXXX they call on Sunday through Saturday all hours of the day it is very annoying and interrupting. I do understand that i am late on my house payment but this is in clear violation of FDCPA regulation please see FDCPA 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. If needed I can send my phone bill as a supporting document to show how many times this happens in one day 7 days a week
My complaint is against Midland Funding , LLC. I question whether they really own this debt. I now have a judgment because of this.
Contacted me XXXX XXXX attempting to collect a garbage bill that was 3 years old that I had no idea I owed. Their amount was the wrong amount and I disputed it. They sent an updated invoice in XXXX and called in XXXX. I paid the amount on their bill at which point they notified me that they placed this on my credit report. The operator was beyond rude and would not let me verify that the information he was reading to me was incorrect. I will be suing this company for defamation as I paid for a debt that was not valid.
Portfolio Recovery Associates, LLC has not provided validation of debt to date concerning the accounts held at their company in my name. They are reporting inaccurate information to three credit bureaus. They claim to have verified the debt however I have requested that they " validate '' the debt. Validating the debt is different. I have requested specific information. In addition, they are not licensed to collect debts in the State of Georgia.
XXXX has requested a hard copy of my Credit Report which I did not request. It was reported by Experian on XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX, SD XXXX
IN XX/XX/2013 MY HOME WENT INTO COOPERATIVE SHORT SALE AND I WAS RELOCATED BY BANK OF AMERICA.  THE PROPERTY WAS AT THAT TIME UNDER CONTRACT FOR SALE THEN BOA RECANTED THE OFFER AND EVENTUALLY FORCLOSED THE PROPERTY. THEY ARE STILL REPORTING THAT THE ACCOUNT IS OPEN AND MISSING CURRENT PAYMENTS WHEN THE HOME WAS FORCLOSED. REPORT SHOULD STATE CLOSED DUE TO FORECLOSURE. THEY WILL NOT CORRECT.
I'd like an explanation as to why the Consumer Financial Protection Bureau hasn't lifted a finger to do anything about the Equifax Data Breach. I'm one of the Americans who's personal information was stolen, and now I have to spend the rest of my life paying for services and keeping on the lookout for people who use my social security information to open fraudulent accounts in my name. 

Either you figure out a way to have people securely change their identity confirmation documents, or you hold Equifax accountable. 

The fact that XXXX XXXX on XXXX has done more to hold Equifax accountable than a government agency is an absolute disgrace. This morning I read in a news article that XXXX XXXX shelved plans to test the on the ground security from this happening again. 

This isn't a matter of making sure there aren't to many regulations on businesses. This is a matter of a government agency holding a private company accountable for collecting and not safeguarding my private data, which they didn't even have permission from me to have in the first place. 

Do anything. Seriously. Do anything because as far as I can see you have done nothing.
My identity has been breached. An unknown party changed my contact info on my XXXX XXXX account. XXXX XXXX said this was done over the phone because the person was able to provide the last XXXX digits of my social security number and answer security questions. ( I do n't disclose this info to anyone ; so, I 'm not sure if this was an inside job or if XXXX XXXX server security was hacked again. ) The next step was to contact the credit bureaus. TransUnion could n't verify my identity/info, so denied my request. Customer service recommended using AnnualCreditReport.com. I went through the process on that site, but TransUnion again could n't confirm my identity/info. This prevented me from seeing if the other XXXX bureaus would release my reports. I ended up ordering the reports over the phone, but it 's going to take 15 days for delivery. Not good when one is trying to repair damage due to a stolen identity and prevent further damage. 

I called TransUnion. Not only could they not explain why I was being denied, they would n't provide a credit report unless I purchased it. That 's wrong. I 'm the victim of a crime. A crime that can ruin my credit, my reputation, and leave me penniless. 

AnnualCreditReport.com 's one credit report per year rule should be lifted when one is making the request due to identity theft. Credit reporting bureaus should n't be allowed to charge for a credit report when the request is made because of identity theft. 

How can the Bureau of Consumer Financial Protection help the operators of AnnualCreditReport.com better assist victims of identity theft rather than making the experience more XXXX? 

Regards, XXXX XXXX XXXX : XXXX
Lake view is subservicing for XXXX XXXX. I have a property tax exemption that is on my account with the county assessor. Lake view and XXXX have refused to change the escrow account. They issue refunds once a year but, refuse to refigure the amount due monthly. This month I tried to have the overage of escrow of about {$1800.00} applied to my mortgage for coverage of a payment that was due. They refused to allow me to use the money. I am paying approximately {$160.00} a month too much in escrow and they refuse to recalculate. I had to scream for them to wave the late fee as they transferred the loan to Lakeview and Lakeview processed a payment anyway without authorization. Please refund my {$1800.00} and recalculate.
Since the XXXX XXXX news of personal data at Equifax being hacked, I have been trying to obtain a credit freeze with the company. I was able to request similar credit freezes with XXXX and XXXX through web pages, in about 5 minutes each, but I am completely unable to get through to Equifax about a credit freeze -- on the web or by phone. 

First I tried the obvious site, www.freeze.equifax.com. I recorded name, address, birth date, and Social Security number on the first page, titled " Place, Temporarily Lift or Permanently Remove a Security Freeze. '' The second page that comes up is titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze '' -- but the only options all have to do with LIFTING a security freeze, NOT placing one. Thinking this was a website glitch, I kept trying the page on consecutive days for more than a week, but an option for placing a freeze has never appeared. I also tried two different browsers, but the result was the same. 

Today I decided to try calling Equifax since the website does n't work. I tried three different numbers, at which no one could help. Someone at the first number ( XXXX ) referred me to a second number ( XXXX ), which was a recorded message about requesting a credit report. A third number ( XXXX ) is only effective during business hours, so I 'll have to call back tomorrow. 

Meanwhile, I did have success with an Equifax site that allowed me to put basic data in and learn that I 'm probably not at risk -- but given my poor experience with customer service so far, I do n't believe I can trust that message. 

It almost seems as though Equifax is deliberately making it difficult for consumers to get any kind of help with security freezes... although, of course, it 's very easy to subscribe to their own credit monitoring plans. I feel as if I am being stonewalled.
this is for XX/XX/2018 car payment for PNC Bank. 

it was for {$1200.00} it says my car payment was 30 days late but I did a payment plan with them to add that payment on my last payment
I had a Line of Credit for {$20000.00} with Beneficial of Florida and 5 years ago I stopped the monthly payments because I was renegotiating with them a Mortgage for my House. I  XXXX  of  XXXX  I renegotiated the Mortgage and in  XXXX  of the same year I received a Law Suit from  XXXX   XXXX  and  XXXX   XXXX   XXXX   XXXX  to collect the total amount of the Lines of Credit through its Attorneys  XXXX  and  XXXX . I answered the Law Suit saying I did n't have any  XXXX  with  XXXX  and I had never received a Notification from Beneficial informing that my account had been sold.   After one year they filed a Motion to Mediation but they did n't give me the opportunity to choose the Mediator and did n't follow the Procedures of the  XXXX   County Court to  go to Mediation. The day of the Mediation I attended the meeting but I told them that I wo n't participate because the irregularities they had done. At the beginning of this year there was a hearing in  XXXX ,  XXXX   County Court, wh ich was not attended personally by  XXXX  and the Judge accepted an Order to compel to mediation by  XXXX   XXXX ,  XXXX .
According to Equifax. The breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. I have already been a victim of identify theft from XXXX XXXX, This has to stop, Equifax provided a sign up for credit monitoring but it turns out they have legal language absolving them from class action suites which is unacceptable. Equifax must provide monitoring, a 1 year fraud alert with all credit bureaus that is easy to renew.
I was charged {$400.00} twice ( {$800.00} ) on XX/XX/18 with NO AUTHORIZATION. These are not duplicate charges, as I did not make any purchase in the days leading up to XX/XX/18. I am very disappointed, and this money is important to me. Please resolve this as soon as possible. Apparently this has been a repeat issue with Coinbase. 

Attached is a copy of my Coinbase transaction records and the bank transactions in question. Unfortunately Coinbase did not offer a ticket number for my records, but I have contacted them via email ( the recommended method per Coinbase ).