WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion failed to conduct an accurate investigation of my complaint. My credit report still list XXXX XXXX as an open collection account. There are a XXXX of things that are in correct here. This is NOT the first time I 'm disputing this woth Transunion. Generally I get a generic response that they investigated. Yet I get no details as to how it was done and who they spoke to. 

1. XXXX is trying to collect on a XXXX account that have been paid off. 
2. XXXX is a collection company. The status of the XXXX account should not be " open ''. An " open account '' that is in collection is a different from an account that has been sold to XXXX as a collection. 
Please see attachment for a visual as to how it 's currently shown on my report.
On XX/XX/XXXX I called USAA to get a deferment due to being impacted by Hurricane Harvey. I also spoke to them again on XX/XX/XXXX. I was informed that the deferment was in place. However later I found that it was reported to the credit bureau and I contacted the credit bureau notifying them that this was not supposed to be reported as a late payment. I also contacted USAA and was told that they saw where I called in about the deferment, it was supposed to be placed on my account and that I needed to fill out a dispute form from their website and mail it in. I did mail in the form and later received a letter stating they would not investigate my case because it was " frivolous ''. I immediately called USAA on XX/XX/XXXX and explained the entire situation. I was transferred to 5 different people and stayed on the phone over an hour. Nothing was done and I was given the run around. I want the XX/XX/XXXX late payment, which is by the way the ONLY late payment ever on my account, removed since it shouldn't have been reported in the first place.
While reviewing my credit report, I noticed that a collection has been reported on my file by ACCOUNT CONTROL SYSTEMS, INC. 
However, I respectfully dispute the validity of the debt.I request validation of this debt as required under Fair Debt Collection Act ( 15 USC 1692g ), and also, I am requesting that ACCOUNT CONTROL SYSTEMS, INC., provide me with all verifiable evidence, including but not limited to signed documentation by me obligating me to this unpaid invoices. 
Furthermore, I request that the Agency provide me with the name and address of the original creditor if the creditor is not the one listed above. 
To this extent, upon belief and information, this account is as a direct result of ID THEFT, as such I am not liable to the debt. I never signed or consented in anyway to this debt.
Hello. I am writing a complaint regarding the American Express Blue Cash Everyday sign-up bonus in which if you spend {$1000.00} within 3 months, you get {$250.00} back. I opened up my blue cash everyday card XX/XX/2016 because of that sign-up bonus and did spent more than {$1000.00} within 3 months, actually I spent more than {$2000.00}. However, I still have not gotten anything. It has been a year, so I decided to chat them starting this XXXX and they are keep saying that it is being researched by the specialists and my request is still pending. Every time I chat with them, they always tell me to come back in couple days to check if it has been approved or not, but every time I come back and ask, they would tell me it is still on pending and they are working their best to find out. No notifications whatsoever. As of today, still, they are still working on my sign-up bonus in which they would never tell me. I would like to get my {$250.00} sign-up bonus. that was the only reason why I signed up for this card.
I fell behind in student loans payments, however I consolidated them and have been current ever sense. They have my account marked a negative when it 's not. False information
these is a follow complain from complain XXXX filed XXXX after XXXX XXXX XXXX transfer the loan to SLS, I 'm still disputing the amount of the debt and try to get the servicer compliance with california code XXXX. I hire XXXX XXXX attorney on XX/XX/XXXX he file bankruptcy because SLS, send me to foreclosure without validating the debt, did not consider me for modification I been ask every trustee for full accounting on these debt, but these people its hire just to sale the property they do n't know a true from. a factual matter.another problem its the county records aloud this fraud to continuing to happen they record fraudulent documents its well know the notary and trustees are creating false document. 
the servicer SLS its been sued for my attorney case # XXXX. XXXX its the new trustee before was regional trustee then, XXXX XXXX and now these trustees are in federal investigation ( all ) for fraud and they keep filing notice of default without been compliance with California code 2923.5.I went to public records to file a notice of non compliance with ca 29623.5 they did not record my document. 
I m an inversionist I sign a contract for a loan where a lot of people bougth a piece of paper ( bonds ) and treasure department gave them discharge of the note. the Banks and lender are getting rich and they still sending people to foreclosure.
Due to recent financial difficulties our RE Taxes were added to our mortgage so now we have an escrow which increased our mortgage payment over {$1000.00}. We are finally in a position to refinance and were approved by XXXX for the HARP with PNC our current XXXX Mortgage holder. We also have a Home Equity with XXXX XXXX. We were all set to close but were waiting for XXXX XXXX to approve the subordinate when the bottom dropped out. We learned that in XX/XX/XXXX ; National City was our current XXXX Mortgage holder and we did a Refi I think to reduce the rate or get rid of the PMI I am not sure the details are foggy but it does n't matter. When they filed the paperwork for the refi ; National City did not file the subordinate so XXXX XXXX became XXXX Lien Holder and PNC is XXXX mortgage holder. Now, because of some paperwork error 8 years ago ; I can not ever refinance my loan because just like everyone else in Illinois ; my house value is lower than it was in XX/XX/XXXX and because of financial struggles my credit rating is lower. XXXX XXXX will not work with us or consider approving the subordination or do a loan position change. I am being punished because of somesones ' clerical mistake and I can not afford to keep paying my mortgage at the higher payment and my Home Equity is coming into repayment in XX/XX/XXXX and then that payment will double. Is there anyone that can help me? I do n't know what else to do and I do not want to file bankrupcy or go into foreclosure ... ...
Hi, I filed a dispute with chase bank on XX/XX/XXXX. They sent me a letter that the dispute was resolved in my favor and the credit should appear on my next statement and online immediately. It has been over a month and nothing yet. I purchased 5 phones over the course of a few months and a screen protector. I have returned all of them and received refunds, but there is an extra charge for an item I never purchased. Chase keeps giving me the runaround when I call them. This is a XXXX charge that they are not reversing. Not sure how I can prove I never received an item I was charged for. If I never had it in possession I cant prove this.
I have several issues with Experian. See below : 1. The following XXXX bankruptcy accounts appearing on my file were previously removed in XX/XX/XXXX due to my credit file being mixed with another individual and not belonging to me. The Bankruptcy case # 's are XXXX and XXXX. As of XX/XX/XXXX they were re-inserted back onto my file. In addition, there were several other accounts that were not mine, XXXX, acct # XXXX, XXXX acct # XXXX, XXXX, acct # XXXX, and XXXX, acct # XXXX. All of these accounts belong to whomever my file is mixed with, they are not my accounts. I asked Experian to provide me with the documentation received from the creditors identifying that these accounts in fact belong to me which would be my ENTIRE social security number, address and DOB. I was informed by XXXX whom I spoke with today, ( XX/XX/XXXX ) that I would need to contact the creditors to obtain this information. I would like for Experian to provide me with a copy of the documentation proofing that the accounts in fact belong to me or remove them from my file immediately.
Portfolio Recovery Place for Collection XXXX Amount {$390.00} Portfolio Recovery XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone XXXX XXXX XXXX This shows on my Credit Report. I do not have any knowledge of this debt. I called Portfolio Recovery and they did not have any record of this debt. I would like to wipe this from my credit report. I called XXXX XXXX and they could not do anything. I appreciate if you could help me to resolve this dispute
Federal Law ( 12 U.S. Code 4902 ) requires that PMI be AUTOMATICALLY terminated on the date when the principal balance is scheduled to reach 78 percent of the original value of your home. For my loan, this should have taken place in XX/XX/XXXX and DID NOT.

PMI should have been removed when my loan balance was scheduled to reach {$37000.00}.

XX/XX/XXXX - My loan balance was {$37000.00} I was charged PMI for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Why is this company NOT AUTOMATICALLY removing PMI as it is required to do so by Federal Law?
My mortgage loan was sold to LoanCare ( http : //www.loancareservicing.com ) in XXXX, which I did not request or approve. Although, according to their customer support specialists, a welcome letter and XXXX loan request letters were sent and several calls were claimed to be called, I did not receive any of the letters or calls since I moved to a new place and traveled a lot for new job. Even though I set up a mail forwarding service, I did not receive any of the mails so far. The records of phone calls, according to your customer support specialists, can not be found in their system. 

I was totally unaware of this transaction until last week, my credit score dropped from XXXX to XXXX, when I was applying for another loan for a new house. My morgate loan was sold to LoanCare, but my auto-payment information was not associcated with this transcation, so my loan was past due for the past 3 months. This is not an intentional behavior ( and you should be blamed for this ) so I should n't be punished by such dramatic decrease of credit scores, which almost ruined my life. 

Once I recognized that there is overdue payment, I contacted LoanCare right away and paid those due payments but not the any of the late fee. However, the credit report entry, which has significantly impact to my credit score, was still posted. I do n't know how should I dispute this late payment. I tried really hard to build my credit score for the past five years.
I am having issues with CCO mortgage corp sending my Escrow back on a mortgage that paid off. I have an envelope showing that I had the payoff sent to my new address and I have contacted the bank and my address has been changed since XXXX/XXXX/2014. CCO mortgage is saying that I never changed my address and they are saying I did not and even if it is changed at the bank mortgage is a separate company and have no responciblity to look in to it. I am now being told they will not reissue a check until 30 days after it was sent out and then they have additional 30 days to mail it out. Also they do not have to transfer me to a supervisor.
On XXXX XXXX, XXXX I cosigned on a auto loan ( XXXX XXXX XXXX ) for my mom on a vehicle from XXXX XXXX XXXX of XXXX, NC. Upon purchasing the vehicle we notice some work needed to be done to the vehicle. We returned the vehicle to the dealership on XXXX XXXX, XXXX and they gave us a rental. On XXXX XXXX, XXXX, we had to return the rental to XXXX and pick up our vehicle from dealership. On XXXX XXXX, XXXX, a finance manager contacted up and said that the deal was not funded and we needed to return the vehicle back to the dealer in the next 5days On XXXX XXXX, XXXX I returned the vehicle back to the dealer but they did take the key to the vehicle. I tried contacting the finance company ( American Credit Acceptance ) to notify them that the vehicle was back at the dealer but the number listed on my contract agreements was saying the number was disconnected. I received a letter from American Credit Acceptance around the first week of XXXX stating my reasons for denial. I tcontacted American Credit Acceptance using the number listed on my letter. I spoke with a Finance Manager who told me that they funded the loan but they were not notified that the vehicle was taken back to the dealer. She said they tried contacting the dealer but could n't get an answer or a call back about the vehicle. She told me to get a police report stating that I returned the vehicle on XXXX XXXX, XXXX to the dealer. I went to the Sheriff Dept. but I was told I did n't need a police report for that issue. The sheriff told me to just document my dates and keep up with them. I reviewed my credit, and that vehicle loan is on my credit with late payments and I did n't even keep the vehicle two weeks.
Chase Bank will not let me close my XXXX account. My XXXX has been closed over 3 years ago. I have no active XXXX. It was an XXXX registered XXXX. I added my brother to the account when I opened the Chase XXXX account. When I tried to close the account, they said my brother was on it and they could not close it. I had my brother go to a Chase Bank XXXX where he lives and show identification while at the same time I was at a Chase Bank here XXXX, where I showed proper identification. We had a conference call with XXXX parties on the line and Chase Bank still refused to close my account. There has been no activity on my account. They keep deducting {$12.00} monthly from the funds I have left in the account. I want to close my account. Please help. I do not know what to do next.
To whom it may concern : I am disputing the XXXX XXXX XXXX on my credit report. 

As of today, Equifax has not removed the XXXX XXXX XXXX from my credit report as cited by the National Consumer Assistance Plan ( NCAP ) rule of XXXX XXXX, 2017, which states, in part, the CRA will remove any Public Record, Judgements, and Liens, that do not have all the required information. 

Therefore, tax liens that do n't have the full Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies database. 

My Notice of XXXX XXXX XXXX dated XX/XX/XXXX from XXXX XXXX, Virginia XXXX XXXX displays a partially redacted Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). 

Based on the NCAP rules that became effective XX/XX/XXXX2017, I am disputing the XXXX XXXX XXXX that is reporting on my credit report and request that it be removed accordingly. 

XXXX and XXXX have immediately deleted the aforesaid XXXX XXXX XXXX but Equifax continues to report the Lien. 

Thank you. ''
XXXX XXXX sued me over a disputed debt that they claim I owe to them via Bank of America , NA. They did let me know about the suit. I responded pro se with and answer and counter-claim. XX/XX/XXXX, they won a summary judgment against me based on my not answering their Requests during discovery. I could n't afford an attorney, could keep up, got lost in the legalese. Based on the Judgement for over XXXX, they are trying to garnishee my wages. While preparing to challenge that, I stumbled across your website and the XX/XX/XXXX Court Stipulation directing XXXX XXXX XXXX how to proceed. In my case, they have violated that agreement. In my case, they are still 1/ Intimidating consumers with deceptive court filings 2/ Introducing faulty or unsubstantiated evidence. In my case, they only had to well-worn photocopies of checks that I 'd written to Bank of American ( Not Bank of America , NA ) There was also nothing to show the chain of title from the purported " original '' debt holder to XXXX for Bank of America , NA. 

The statute of limitations on debt accounts is 4 years and 6 years on written contracts. 

This action was filed against me on XX/XX/XXXX and the order rendered XX/XX/XXXX. Both of these were beyond the 4 or six years after I had severed my relationship with Bank of America. 

I also believe that the attorneys have become " judgment collectors '' and as this is a continuation of their ill-advised and illegal practices. 

I have a hearing in the morning about garnishment of my wages based on this bogus judgment awarded based on procedure and not on evidence. 

I 'm now trying to get the summary judgment set aside ( again as pro-se. Still ca n't afford an attorney ), so that they will be forced to " prove their allegations, '' and to conform to the XX/XX/XXXX Consent Decree signed by Federal Judge XXXX XXXX. 

Any help you can give in this matter would be greatly appreciated.
I obtained a copy of my credit report and observed that there are fraud inquiries on my Transunion report.This are fraud and unauthorized inquiries on my credit report as well that are negatively impacting me and credit report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also there is inaccurate late reporting on my credit reports for XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX and XXXX   XXXX Date Opened : XX/XX/XXXX. I was never late on this two accounts and I sent XXXX and XXXX letters and they stated they would send an update to credit report
I challeged my phone debt when I checked my credit online. Which is a good and bad idea. As soon as you do this the companies that you are in debt with call you non stop. I only have two both phone companies. One I do owe on and the other is in question and I have repeated this to them before. Did a promo switch to XXXX. XXXX did and has not paid or honored agreement. My fianc is in the same situation but I believe different company. Frequent calls. What I mean is every day so far or every 3 days calls and they do n't seem to take notes because I tell them the same thing. Mail me a settlement letter so I can give to XXXX to pay. They have yet to do so for the past 3 weeks.
I have disputed several mistakes listed on my credit file and in my results nothing was done. The report states on the following  XXXX  's investigation  XXXX   XXXX  #  XXXX  which is outdated and past the statute it was updated from our processing on  XXXX    XXXX  ???  XXXX  #  XXXX  same outdated and should n't be listed and  XXXX    XXXX  , were in  XXXX  and it was to be investigated in  XXXX    XXXX   XXXX   #  XXXX  same,  XXXX   XXXX   XXXX  #  XXXX  outdated and false last updated  XXXX    XXXX  .  XXXX   XXXX   XXXX   XXXX  Unknown and going after this company directly as this is not my debt or account   XXXX   XXXX   XXXX   XXXX    XXXX  Outdated and past the statute and no validation,   XXXX   XXXX   XXXX   XXXX    XXXX  OUTDATED AND INACCURATE no investigation  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX  always paid on time never once was past 30 days last updated was  XXXX    XXXX
Iam aware that section 6058 of the fair credit reporting act requires that the credit bureaus block the fraudulent information on my credit report resulting in identity theft. I have submitted a copy of my police report and the FTC affidavit. i would like the items posted in my report blocked in a timely manner since is hindering my ability to get a place to live.
I refinanced my home loan through the same company we already use for our mortgage, Carrington Mortgage services. We closed in front of a Notary on XX/XX/2017 It is now ) XX/XX/2017 and we are not funded and they asked for more money because they calculated wrong. They asked for more money on Monday after XXXX when our loan should 've been funded. I was told it was to be funded Sat after our 3 day period to change our minds. I now worry about my credit and late fees because I was told my part was paid so I used my money I saved to pay off another bill.
Im writing because I have exhausted all efforts to correct my information with Equifax and associated agencies. 

It is apparant that my identity was stolen and Ive worked night and day to prove that I am who I say I am. 

Despite my several years of efforts these agencies have restricted me from getting credit. 

Please help me because I have the same rights as other consumers to have my information corrected.
applied for a mortgage to refinance a residential property the loan to value was less than 50 % adequate income and credit score above 800 they turned down the loan ; I think it was because of age ( too old ) I ask the company manager for a written turn down ( twice ) ; never received one ; also ask for a written turndown letter from the mortgage resprestative
I transferred {$250.00} in 2 {$50.00} transactions and 1 {$250.00} transaction on the XXXX of XXXX. Coinbase stated that the money would be available in my account on the XXXX. It still has not shown up on the XXXX even though the money has already been taken out of my bank account. In addition, customer service no longer responds when I email and their first response was inaccurate and unhelpful.
Fell under financial hardship and needing a loan modification for our primary residence. 
Nationstar reps are giving different answers, solutions and timelines with every call making it difficult to make an educated decision on our primary residence. 
We are not receiving the documents Nationstar said they have sent and have to call and request them. Some of Nationstar requests have deadlines. Not having all the information to make a decision is difficult. 
We fear that because of the equity we have in our property, that Nationstar is not willing to work with us and taking advantage so they may profit. 
With the Nationstar modification we were approved for, they are moving our delinquent payments to the end of the loan but we do n't know if we pay interest again on those payments and Nationstar will not tell us what happens after the trial payment period of their modification. 
We have a detailed summary that is too large for this form.
XXXX XXXX XXXX XXXX. XXXX XXXX PA XXXX Is reporting a personal line of credit which had no balance and was paid in full as included in Bankruptcy. 
The same with a auto loan and mortgage. These accounts were not discharged in my Bankruptcy. The bankruptcy judge and attorney was aware these items were to continue to be paid as agree never late. All three credit bureaus are reporting this information inaccurately.
XXXX is currently reporting chargeoffs accounts to the credit bureau ending in XXXX with balance {$1900.00} and account ending in XXXX with balance of {$3900.00} and account ending in XXXX with balance of {$850.00}. These accounts should be reported to the CRA with {$0.00} balance. XXXX are in violation of the FCRA. I had file complaint previously with case XXXX, XXXX and XXXX. XXXX of the accounts are being handled by XXXX XXXX collection agency and the other by XXXX XXXX XXXX.
I have reviewed all  XXXX  of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX   inquiries   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX