WillisBack/dataset-financial-user-claim huggingface dataset:
Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of XXXX/XXXX/2017 on all three bureaus.
-Previous complaint XXXX about XXXX .
-Previous complaint XXXX about EXPERIAN .
-Previous complaint XXXX about XXXX XXXX XXXX .
They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows.
The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts.
Please help.
I have been contacting TransUnion since  XXXX   XXXX ,   XXXX  . Since  XXXX    XXXX   my  credit score h as been lowering due to closed accounts I never was aware of on my credit reports. My mother added me as an authorized user on accounts without my knowledge, and because our mailing address was the same address. This has hurt my  credit score,  then I was advised to dispute these accounts off my credit report without making me aware that it could effect my score in a negative way even more. Which was the result of the disputes. TransUnion now has lowered my score as if I have no credit history and I called multiple times to understand why my score lowered again, and spoke to  4  different representatives and no one helped my situation.
In early XX/XX/XXXX, Bank of America suspended my Home Equity Line of Credit. After a couple of weeks trying to find anyone who had any clue what was going on, I was finally told " it 's being closed because you use it as a transactional account ''. I explained that reason was nonsensical, and that my loan contract provides specific reasons why the account can be closed. I read each reason, and was told each of them do not apply. The response was simply that Bank of America can do whatever they want, and since the decision was made they do not have to justify it. I insisted on speaking to a supervisor, and was promised a callback from a XXXX. I never received any calls. 

I submitted a CFPB complaint in XX/XX/XXXX about this matter. After " looking into it '', it was simply reiterated that they 're closing it because it was " not used as intended ''. I explained there is no specified intended use, and closing it is a breech of contract. I was then told that they havent closed my account, just suspended it, thus there is no breech of contract. I then had to point out that my contract has reasons why the account can be suspended, in addition to reasons it can be terminated, and it was becoming obvious that no one at BofA had actually read the contract to which they are bound. At which point the representative became non-responsive, only repeating that the reasons do not matter and BofA can do whatever they want with no need to justify it. I again requested a supervisor to deal with this blantant non-responsive response, and was promised a callback within XXXX hours. No call was received, and all further attempts to followup has resulted in my voicemails being ignored. 

At the advice of the CFPB Ombudsman, I am resubmitting this complaint in the expectation a new XXXX Representative will treat it seriously and actually research the complaint, and address the issues involved.
Hello, After my husband 's death, I contacted the mortgage company to notify them and take on the mortgage payments, but the company refused to talk to me. I wrote them several letters, but they refused to talk to me each time. I consulted a lawyer and he said that I should just wait them out because the mortgage company should have handled the situation properly. I have waited eight years. The property has been maintained by me for the last eight years and now they are trying to take the property. Below is a summary of their actions and my actions : Their Actions : 1. In XX/XX/XXXX,  Altisource sent a contractor to preserve the property. The vendor 's name is XXXX XXXX XXXX XXXX XXXX XXXX. The vendor changed the locks without notifying us. The only way we found out was a neighbor saw him and thought he was breaking into the house ( which he did in my opinion ). 2. On XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX visited the property again. They left the house unsecured. The garage was open and the door to the house was wide open. ( Once again, I am thankful for my neighbors who alerted me about the garage door ). 3. Altisource will not provide any documentation or clear answers to myquestions. My last e-mail was XX/XX/XXXX. I have not received a response. 4. Also, I have several documents ( none from Altisource ). The documents do not make sense and I am not getting clear answers. I hope the documents help you understand all the other things that have happened since XX/XX/XXXX. My Actions : 1. I have written and called to inquire about the mortgage payments, debt collection, and " foreclosure ''. I have yet to receive a clear explanation of anything. Altisource will not provide any clear answers or documentation.
2. I called Altisource XX/XX/XXXX. They told me to call XXXX and XXXX told me to call Altisource. Recently when I called Altisource, they told me to call XXXX. I called XXXX. I talked with a phone representative at XXXX. They listened and said they would call me in two days. I have not heard from anyone. I have sent e-mails to Altisource and they respond sporadically. My recent e-mail was XX/XX/XXXX and I have not received a response. 3. I have contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are rude and will not properly identify themselves. They said they could not talk to me and that I had to call Altisource. Recently, someone named XXXX e-mailed me and wanted to meet at the house on XX/XX/XXXX because he was supposed to give me keys to the new locks he put on the door. I am elderly and I am not meeting someone that e-mails me and demands that I meet them at my house. 4. I have not abandoned this property and have preserved the property since XX/XX/XXXX.
5. I have maintained the lawn. The utilities are still on and operating. I still pay the electricity, water, sewage, and trash bills.
6. I have spent money on other repairs to the house since XX/XX/XXXX.
7. I have paid the taxes on the land.
8. I have paid house insurance since XX/XX/XXXX. The house insurance is up to date.
9. I have done everything that I know to settle this peacefully and legally, but I am getting no where. Please help.
Attempted to contact Navient on issues related to tax documentation for my student loans from XXXX College previously located in XXXX XXXX Minnesota. I needed to contact a department to clear up any issues regarding ineligibility for tax deductions. I called their customer service line listed on their website, I was routed to the collections team. I explained I would pay the past due balance online and asked to be transfered to the customer service, or any department that could clarify my tax information, the service rep advised he was unable to transfer me anywhere until my account was brought current. I spoke with his supervisor XXXX, who advised the same thing, once my account was 15 days past due they were unable to provide me a direct customer service line or transfer my call out. I do not believe this company should be able to withhold information on my account due to it being past due, by doing this they are not allowing me to correct my tax information and opening me up to risk on misrepresenting tax deduction information to the IRS. I clearly outlined I did not need the current years information, but instead needed to resolve an ongoing issue.
Hello, I recently had an account with capital one bank which was closed due to their decision not to continue the business relationship with me. However, i have tried numerous times to call them requesting my funds ( I have a little over {$280000.00} ) which they are not able to give me any details about receiving my funds. 

I believe this bank is stealing my money and not communicating with me in regards to my repeated requests to receive my funds. 

I would like this matter investigated and prosecuted to the full extent of the law for this bank to close my account and hold my money hostage.
In XX/XX/2018 I received a collection notice from XXXX acting on behalf of paypal as a creditor. It is a charge for {$27.00} for a debt incurred by someone else who is operating a paypal account in my name. After much back and forth I finally got to talk to a paypal expert. He said that there were dozens of fraudulent accounts in my name. All you need to set up a fake account is my SSN and mothers maiden name. He didn't dispute this charge was fake since it was listed to a bogus email account XXXX. But he stated that paypal was not responsible since the thieves did not steal the SSN information from them. " It was my problem ''. I never received a follow up from paypal, but also no more notices. 

Until XX/XX/XXXX when I received a new notice from XXXX XXXX XXXX ( for a different debt ) I feel Paypal is responsible for doing proper due diligence on the folks that open up accounts.Pretty much everybody 's SSN is stolen so that is not an excuse.
I initiated several disputes on my chase card and after sending over very detailed explanations as to the cause for my dispute. Chase somehow turned this into to a quality of service issue and denied my claim. I do not believe Chase even read my complaint as it was not a quality concern it was an issue of the services not being provided. I did not receive what I paid for PERIOD. These XXXX companies have scammed me out of a lot of money for doing nothing. Chase informed me that they reached out to the merchants and they did not honor my request. Of course they would n't honor my request they are getting away with murder and Chase is helping them.
XXXX account collection by attorney was NOT mine. I provided my XXXX credit card not the same as the attorney had shown on the record but I was still given DEFAULT JUDGEMENT by court. I was NEVER summoned to date of court. Happen under a year ago in XXXX XXXX XXXX MISSISSIPPI. Approximately + {$1500.00} was XXXX out of my DAD 's account to make matters worst. Where were you earlier. 
XXXX XXXX XXXX
I made m first purchase using my XXXX Credit Card from XXXX XXXX on XX/XX/XXXX and proceeded to make a payment the same day. I got an email confirming the payment was processed. I tried to use my card again on XX/XX/XXXX and found I was unable. I had an available credit limit still of over {$1500.00}, so I logged on to the website check my balance and it said my last payment had been returned. I immediately made another payment. I noted the return was on the same day I received a confirmation email. I called XXXX XXXX because I had more than enough funds in my checking account to cover the payment that was returned. The person I spoke with told me there was an issue with " locating '' my bank account. I asked why no one let me know. I never received an email or phone call, it seemed like an easy fix. I also let him know that I had just made another payment using my same checking account information and would that also be returned. He assured me the payment had gone through and the information was good. So, I did n't understand what the original problem was. He also told me he could not refund the returned payment fee but that my new payment had gone through. 

I 've been checking my bank account to see if the charge had cleared and it had not. So I went back on the website for the credit card and again, I had another returned payment and another fee. I also have another email saying my payment had been processed. I have now been charged {$50.00} in returned payment fees and my account is not up to date. I want to know why I was never contacted when my payments did n't go through. I also want to know why when I called the bank and spoke to someone I was given misleading information regarding my account. I want the charges reversed and I made good faith effort to pay this bill on more than one occasion.
I was not approved for an income-based repayment, which forced me to submit request for forbearance. I explained that I was not able to pay the increased amount and that my only other option was forbearance, which I took.
I purchased a piece of software form a vendor using Paypal on XX/XX/XXXX. After attempting to use the software I was alerted that my software license key was revoked and I could not use the software. I opened up a case with Paypal to resolve the issue as I had not received a response from the seller, to which they opened a case on their end and awarded the case to the vendor ( which has still not responded to me at the current moment ). I re-opened the case for additional investigation and provided all of the necessary proof for PayPal which showed I was unable to use the software whatsoever and requested a full refund of my money. In XX/XX/XXXX, they re-opened the investigation and I was told if I did not hear back then everything was OK. 

It is now XX/XX/XXXX, I never heard back and assumed everything was OK because that is what they had told me. After checking my statements, I still saw the charge for the non-working software to which I called back PayPal to figure out the issue and they informed me there is nothing they can do as it is out of the 180 day protection period, although I opened a case promptly after the purchase date which they have shown incompetency and months of miscommunication that has not been followed up on. I am now escalating this case to CFPB in order to reclaim my money.
I am not indebted to Cain & Weiner Company, nor XXXX XXXX. The policy that had with the alleged company I canceled after 10 years. I immediately purchased another insurance policy with another company, which I currently still have. I DO NOT OWE {$130.00}. I disputed this with them and they are still sending letters, and appearing as a negitive on my credit report
Someone stole my identity and opened a XXXX account which they never paid. They then resulted to opening an optimum account when their XXXX was disconnected. I have a police report which states the identity theft. I submitted it to optimum and they took the account off my record. However, I have submitted the police report to XXXX and they are still charging me for it. Now I have a collections agency named Enhanced recovery corporation on my credit file when this account was a result of identity theft. I have tried contacting the agency and no XXXX answers. I have also tried contacting XXXX and I just get passed around the phone until I ultimately get greeted by a voicemail.
I am writing to you regarding my current mortgage with Ditech. My husband was laid off temporarily XX/XX/XXXX - they told us they did not have a program for his situation at the time to help us out. We fell behind and my husband went to work. I had hired a lawyer who had promised me the HAMP loan but after a couple of weeks he said we were not approved for that. He did a loan modification in which I was on a 3 way conversation with ditech rep XXXX and was promised the same rate I hade which was 3.75 % - 2 days later I received paperwork that said it was switched to 4 %. Ditech woull not take my calls until I released my lawyer - I did everything Ditech requested, I sent a certified later that was notarized and til as of date they will not return any of my phone calls I have left message after message to try and resolve my situation and no one will talk to me. I am now in foreclosure which I feel they did intentionally. I have XXXX children and I do not want to lose my house due to a company that intentionally does not answer certified mailings or phone calls. I would like help with this situation if you could please.
I have called and asked for an accounting of my PSLF payments because I believe that they have made a mistake in their calculation of my payments. It has literally been 6 months since my last call and they have failed to issue a letter to my account. This is a pattern of behavior on the Part of FedLoan Servicing.
On XX/XX/2017 I failed a 2 factor authentication for my Coinbase.com account. I had changed my phone number, and had not changed it on Coinbase, and proceding a hard reset of my phone I was no longer able to access my account. 

Since this date, I have filed numerous tickets, and called at the customer support number at least 7x. 

The entirety of the interaction is " we have assigned a specialist to this case ''. It is XX/XX/XXXX and I have not been given any indication that I may access my digital securities. 

I have completed all security checks, identification verifications, and have even created a new account at their behest to " transfer funds '' over to. 

I do not know what to do, as this is a considerable amount of my wealth and savings- and not having access to it is beginning to affect my standard of living.
In follow up to complaint number XXXX I am asking that this complaint be continued with Chase Card Member services. I was told only one call was reviewed for a case that spanned many months and many calls. This one call has only a partial story telling capacity that does not tell the full story of what needs to be told to understand the story.
I sent a certified dispute to Equifax and it was received on XX/XX/2018. I called to do a follow up on XX/XX/18 and I was told that they didn't receive a dispute from me. I told them that I had a copy of the return receipt. I have reported them to the XXXX in XXXX GA. I have called Equifax several times to get this matter resolve, but they keep giving me the run around. I sent them a letter and told them I would sue them. Still they haven't responded.
I am filling this complaint because Experian has ignored my request to provide me with any documents that their company has on file that was used to verify the accounts I disputed. Since they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
I applied for retail credit with XXXX XXXX out of XXXX, MN on XX/XX/2018. The promotion was no interest if paid within 24 months ( the minimum monthly payments may or may not pay off the promotional purchase before the end of the promotional period ). XXXX, the sales person, stated I qualified for the deferred interest/no interest if paid in full within promotional period. I stated several times I only want financing where I can pay the minimum but not equal monthly payments for the 24 months. My first bill arrives and I was signed up for equal payment for 24 months. Payments are {$600.00} per month. Exactly, what I did not sign up for or wanted. I contacted XXXX XXXX and was told I needed to speak with XXXX. XXXX left me a voice message stating there are only 2 options with Synchrony Financial and so he just signed me up for equal payments. I left a voicemail for XXXX explained that's not what I signed up for and it needed to be corrected as I spoke with XXXX, ext XXXX at Synchrony Financial and it was XXXX XXXX who made the error and they were the only ones who could correct the financing error. It's the end of XXXX and I still have not had any word back from XXXX or anyone at XXXX XXXX on the issues I've had with them. I've filed complaints with the Minnesota Attorney General 's Office, I've disputed it with Synchrony Financial, and with the Minnesota Department of Labor and Industry. This financing was a switch and bait and fraud tactics were used.
Equifax confirmed earlier this week that up to 143 million customer records were breached in a hack that began in mid-XXXX and continued through XXXX of this year. That means sensitive personal information of nearly half of the citizens of the United States could be in the wrong hands. 

Compromised data reportedly included names, birth dates, social security numbers, driver license numbers and physical addresses. The intrusion was discovered on XXXX XXXX ; however, the full impact of the breach is still to be determined.
DISCOVER card member since XXXX. Paid off balance after about 5 years. Restarted using card thereafter. Failed to notice exact time we were receiving double charges for " purchases '' and " cash advances ''. We have never used any credit card for cash advances. Contacted DISCOVER numerous times throughout the years, received no satisfaction, only excuses. Early this year XXXX XXXX ), we were finally notified to contact their Fraud division. In telephone conversations, Discover Fraud found in our favor and sent us a letter stating so. No remedies have been applied to our account despite the letter. 
Unfortunately for us, we do not have the original account bill when/where the error first occurred. We believe it to be an encoding error that has cost us literally XXXX in interest charges. We have complained to Discover representatives on numerous occasions to no avail.
I have contacted TRANSUNION 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the  Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to report
this company is destroying my credit with negative reports and the statue of limitation has run out, please remove from my report, company was paid over 7 years agao
Received written letter from XXXX regarding debt which is not mine, no verification of debt has been produced giving account details or pertinent info.
I sent written instructions to Barclays Bank to close my savings account ending XXXX. The terms of the account say that I can close it at any time. Rather than closing the account, they have blocked me from sending correspondence. Note that the terms of the account do not require that I call them and I refuse to do so because ( 1 ) there is no written legal record of the closure request if it is made orally and ( 2 ) this is a blatant attempt to make it difficult to close accounts in the hopes that consumers simply keep them open.