WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion seemingly did little to no investigation from what I can tell. It does not help that they add a character limit for explaining your complaint regarding an investigation. 

My account with XXXX Bank went from good standing to bad after this " investigation '' which is bad for the lawsuit that XXXX XXXX forced on me as what I perceived as intimidation due to the potential financial costs. 

I do n't see any inquiries by Transunion about the card being NEVER used, about XXXX Bank listing me as never having made a payment even though XXXX Bank lists a balance and upon calling Transunion the person I spoke with in XXXX was not able to help much other than offer a 37 day investigation for something I tried to correct him on.
After reviewing my credit report i seen that i have some unauthorized credit inquiries, i contacted all 3 credit bureaus and placed fraud alert as well as disputed the inquiries, Equifax sent me a letter stating that i need to contact the creditors, i contacted the creditors and received letter from most creditors that the inquiry is fraudlent and will be taken off my credit report, i sent copy of all letters to Equifax and there was no response neither deletion of the inquiries, along with this i received notifications from XXXX that my identity has been sold on black market and as well a notification of unknown attempt of someone signing in into my email, i contacted Equifax again concerned about my identity and inquiring about the fraudulent inquiries and never received any type of response or resolution.
I was erroneously charged multiple fees to my Macy 's store card account beginning in XX/XX/XXXX ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my Macy 's account in XX/XX/XXXX, or at least I was under the impression that I had paid off my account ; however, due to Macy 's billing cycle, I had a remaining balance of {$3.00} that was paid on XX/XX/XXXX. The first fee I incurred was on XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On XX/XX/XXXX, I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On XX/XX/XXXX I was charged another late payment fee in the amount of {$37.00}, and on XX/XX/XXXX, a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees. <P/>I was finally notified the week of XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On XX/XX/XXXX I called Macy 's store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the three credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to Macy 's reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.
When I initially opened my account with Santander they persuaded me into opt in to over-draft protection, me not knowing then this was a way for them to make money. The first time this occurred for me going over XXXX and they charged me XXXX. I opted out .... today they have not removed this feature and recently I accumulated some fees because of things that came out of my account and my balance reflecting the wrong availability ... ..
I am filing this complaint because XXXX  ( credit file confirmation # XXXX XXXX, Transunion ( credit file # XXXX ), and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that 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.
Please respond in writing and advise me of ; 1 ) Any Interest XXXX XXXX XXXX XXXX XXXX XXXX, its subsidiaries, reinsurer and or affiliate have, hold and or own, including Beneficial Interest in properties commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX and or XXXX XXXX XXXX XXXX XXXX, NC XXXX. 2 ) Please provide me with the legal description of any first mortgage loan ( s ) fee simple real estate that you or your subsidiary, reinsurer and or affiliate have accepted without recourse as it relates to the insurer ; ( 11 NCAC 11C .0119 ). 3 ) Please respond to my previous letter dated XX/XX/XXXX as this now serves as my third request. 4 ) Please provide me with the policy numbers as reflected on the HUD dated XX/XX/XXXX for the GAP in coverage spanning XX/XX/XXXX - XX/XX/XXXX. 5 ) Please provide written explanation of why XXXX XXXX XXXX XXXX XXXX XXXX insured stacked and recorded four Deeds of Trust specifically dated XX/XX/XXXX and XX/XX/XXXX that were not in compliance with XXXX XXXX  ( servicer ) closing attorneys specific written instructions. 

Thank your in advance for taking the time to understand my complaint and your substantive response to these specific five issues each being numbered above. 

Regards - XXXX XXXX XXXX
My current legal name is XXXX XXXX XXXX and my current occupation is I 'm a XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX. I 'm just asking to be fairly not long ago I check on my credit report and some incorrect information and inaccurate on my credit report I did report to CRA and ask them to remove those items then XXXX  and XXXX confirmed is fraud and I 'm the victim of fraud now I 'm stil waiting XXXX to remove the inaccuracies off my credit report I was lose almost over two hundred points of that suddenly they have another collection came from XXXX phone account # XXXX and the amounts is {$290.00} dollars said that the account was open in XXXX last year 2016 my question is all that time XXXX phone why they do n't report to the CRAs the three major credit reports that I have open account with them or someone else? I 'm have snaill business and I 'm work hard everyday I 'll pay my debt I do n't owe no deb at all just my two credit card couples hundreds of dollars if I pay my debts I suppose deserve for good credit score, this they not report at all then the thing go wrong and they report to the three major credit report without notice when I know is too late my credit report already report and my credit score is went down that hurst my employees, my financial, leasing, insurance etc ... and my XXXX daughters next year the go to college university XXXX XXXX   how do I have student loans for them XXXX as for myself I did write a notice on my credit report that any new inquiry or new account please contact me on my personal phone numbers, but no body contact me.
I have an account with TransUnion that allows me to view mt credit report and credit score. The score that Transunion publishes is called a XXXX ( TM ). They listed my score as XXXX. I contacted a mortgage company for a Refinance, and they told me that based on their model, my score is XXXX. Even though I understand that there are different criteria and methods for calculating a score, one would not understand there could be such a large discrepancy. I was mislead by the high score calculated by Transunion criteria. Now I am at a great disadvantage having made plans to refinance at this time.What recourse do I have, since I am dissatisfied with the service I have paid for with TransUnion for XXXX years at {$17.00} per month? By the way- the lender called the scores entered by the credit bureau services " FAKE-O '' scores instead of FICOH scores. It seems very unfair, how can consumers play this game if we are not on a level playing field.
RE : 15 U.S. Code 1681g - Disclosures to consumers I am writing this complaint to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. 
Currently NAVIENT is reporting XXXX charged off Signature Loans that were originally serviced by XXXX XXXX. I recently learned that XXXX loans are being reported for a school that I NEVER ATTENDED and from research discovered that does not exist. 

I have never attended any XXXX! 

School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT FINANCE CORP Disbursement Date XX/XX/2006 Original Principal {$3000.00} School XXXX XXXX XXXX XXXX XXXX Lender NAVIENT CREDIT XXXX XXXX Disbursement Date XX/XX/2006 Original Principal {$7000.00}
In order to help out my brother, to help improve his finances, we called Wells Fargo Thursday XX/XX/XXXX to stop his ability to get cash advances through his credit card. The idea is to plan ahead, understand what one should do, and make a long term decision with the credit card company, to hinder ones ability 'in the moment ' to compromise and give in to getting a cash advance.

Wells Fargo refused to do this, saying they couldn't. I don't believe them. If they can increase limits, they can also decrease limits, and they can stop ability to do advances. They just don't want to.

I called again on Saturday XX/XX/XXXX, with my Wells Fargo credit card account. I asked for them to stop and freeze my ability to do cash withdrawals. They refused and said they couldn't. I asked for them to lower my cash advance limit, to an emergency type of level ( like {$100.00} ). Again they refused and said they couldn't.

I believe it is right and proper for consumers to have the ability to reduce ones limit for cash advances. We already have the ability to limit total credit limits.

Credit card companies make it too easy for people to access and make cash advances ( and they charge them exhorbidant interest rates to boot ). I believe this preys on people 'in the momemt ' and offers them quick cash in the moment. While they state the interest rate, not all consumers understand this, and the 'fine print ' of what the credit card companies charge ( 25 % interest, interest daily and immediately ). I believe it is in the consumers best interest to have the ability to limit ones long term access to cash advances. What are the credit card companies afraid of? THey make obscene amounts of money off cash advances and don't want this golden goose cut. It's just not right. Consumers should have the option to limit it for themselves and others who hold their credit cards.
I have disputed an account on my experian credit report that is being reported by XXXX XXXX XXXX. I have also sent the collection agency several letters stating the account is fraudulent and even sent proof of my residence at the time they state I resided there. I asked for proof of the account and still has not received any proof. Now Experian is stating they will not accept another dispute from me and the collection agency is still reporting and continuing to add fees each month ( original collection amount showed about {$1300.00} now account showing over {$2100.00} ). I 'm requesting that this account be removed from my report because it does not belong to me. And yes I have did a fraud affidavit.
This collection agency continues to increase the amount owed by large amounts. It took me a while to figure out why they never put the balance on their statements. In just the past couple of months ( see-attached ) they increased the balance {$530.00}. The balance was {$6500.00}. I called to get the balance mailed to me. I was told on the phone it was {$6900.00} and when the statement comes in the mail it 's now {$7100.00}. They have done this to me previously. Just because I ca n't afford an attorney does n't mean that they can continually steal from me.
Every day for the last several weeks between XXXX and XXXX I get a call from XXXX about a collection. 

I dont owe anything to anyone and after looking online this company has been known for harassment and has been sued multiple times for this behavior.
1ST NATIONAL BANK OF OMAHA XXXX XXXX XXXX XXXX, NE XXXX Re : Unauthorized Credit Inquiry Dear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XXXX XXXX, 2014. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance, XXXX XXXX XXXX, XXXX
My previous employer, XXXX XXXX XXXX reported XXXX XXXX XXXX driving records on me, both were incorrect. I filed a claim ( s ) with the reporting agency, Hireright disputing the accuracy and true facts as I know them to be. Hireright just sent me XXXX letter 's stating the report will stay the same, coming from XXXX XXXX. Hireright has said I can submit a rebuttle of up to XXXX words, but the record will stay on my file. How can the record stay on my file when the record XXXX XXXX reported is absolutely wrong? When I submitted to Hireright for an investigation of the record, I asked then to listen to the recorded conversation of my explanation of each incident and the is all the evidence needed to prove I 'am correct and that XXXX recorded be corrected.
On XX/XX/2018, I received a call from my parents so who stated that they received a voicemail message left from XXXX XXXX of sterling credit corporation a debt collection service XXXX. This company had contacted me previously on my cell phone number and I told them not to contact me by phone anymore and only by mail. When I contacted XXXX, i informed her that I did not appreciate her contacting my parents and telling them that she was calling from a debt collection service and i don't know how they were able to obtain their number as I had never given it out to them and she didn't know, perhaps they found my parent 's number online as it is listed there. I told her that her actions were a direct violation of the fair debt collection practices act and she didn't seem to care much about violating a federal law and I added that I could sue her company for this. XXXX stated that her company could not get in contact with me, but that is a lie as we spoke previously on the phone before and that is when I told her to stop calling me and only send any correspondences to me through the mail as she already has my contact address! This company was hired by XXXX XXXX to collect an outstanding debt my a previous checking account I once had where I was scammed. XXXX only contacted me once when the account was closed and I informed the represenative that I was scammed and he never told me what I should do like file a police report, etc. Instead he was very rude with me and lectured me on being scammed like i wanted it to happen! It has been a year already and I'm only hearing back from the debt collection service now?
I wa notified via mail that I had a payment due on an account. I did not request any products or services from this company. I contacted their fraud department and filled out their fraud affidavit as well as filed a police report. I forwarded all of this information to the company. USPS certified mail indicates that the company received this information on XXXX XXXX, 2017. There has been no further action from this company since.
XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, this account has payment protection on it. First, the card had been  attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : XXXX XXXX {$100.00}, XXXX XXXX XXXX XXXX, XXXX XXXX {$3100.00} To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim such as I owe an amount of {$100.00}, {$760.00}, {$3100.00},. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
As an XXXX  I am trying to get my loans forgiven, as well as trying to buy a house for me and my XXXX kids. I have been trying to get things in order with Navient for almost a year now. Every time my financial advisor ( who has third party authorization and full access to all of my accounts ) calls, Navient says that they do not have authorization. I have had to call on multiple occasions and tell Navient to check their files/ notes to see that they do have authorization. On XX/XX/XXXX I had made it very clear verbally that XXXX XXXX ( financial advisor ) has PERMANENT authorization.

Now, to the constant incorrect information that I myself and my financial advisor keeps getting ... On XX/XX/XXXX I spoke on the phone to first XXXX then XXXX, then XXXX, then XXXX was finally able to give me some information on two loans in particular. I got a letter from XXXX XXXX ( collection agency ) saying that they aquired two of my loans from Navient. Loan # 10 originally being {$9000.00} and loan # 11 originally being {$600.00} ( which was paid off by my mother years ago ). On this day, I had also set up automatic payments in the amount of {$250.00} FOR ALL OF MY LOANS with Navient. When I got the letter confirming the payment arrangement, it said that my monthly payment was {$750.00}, so I had to call Navient in regards to that as well.

Fast forward to XX/XX/XXXX, Navient has sent loans # 10 and # 11 to yet another collection agency and this company is now saying that I owe {$21000.00} for these two loans! I had already set up payment and have been paying every month ( even had wages garnished for 5 months ) with the original collection agency.

Long story story short, I am EXTREMELY frustrated by how Navient keeps treating me and my financial advisor, and I am starting to believe they are trying to cheat me out of my money. They can never give me correct information, loans that I have been paying on keep getting sent to collection agencies, and it is continually messing up my credit report.
Lots of money was stolen from my bank account at different ATMs I called Bank of America many times and they closed the case a few days ago and my account is negative XXXX.
XXXX originated XXXX loans for this customer at time of purchase XXXX years ago and is currently servicing only the XXXX mortgage. The XXXX lien with loan number XXXX was sold to XXXX then to Aurora Loan Service which is no longer in business but their loans were transferred to Nation Star. I called Nation Star and they can not locate the loan at all. The customer has never had correspondence with the mortgage company and stated no payments were made on this mortgage. I would like to file a complaint against Nation Star Mortgage on the customer 's behalf and request that they release this XXXX mortgage lien.