WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/2016 I contacted TransUnion by phone at XXXX to dispute inaccurate information on my report. This is the phone number listed on my credit report to contact TransUnion. The representative I spoke to failed to assist me and attempted to transfer me to special handling. Again I just received the voicemail. No one from the Special Handling department has returned my call. 

I called back a second time and when I mentioned that I have questions about my file ; when they found out who I was I was immediately transferred to the Special Handling voicemail again. 

I am disputing the following information : Phone XXXX - Inaccurate phone number Name - XXXX XXXX XXXX - Inaccurate name XXXX XXXX XXXX - Missing balance, payment information and account status for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX - Not my account XXXX XXXX - XXXX - Missing balance, payment information and account status for XXXX - XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missing balance and payment history
I disputed the late payments reported on XXXX XXXX XXXX XXXX XXXX. Experian and XXXX  never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB
Perfection collection received a certified letter from me in   XXXX   of 2015   stating that my signature and initials were falsified by  XXXX  representative and that unless they could prove to me that the account was mine within 30 days they are not permitted to report this account to the credit bureaus. Perfection collection ignored this letter, illegally reported the {$3600.00} and have still not followed up with any communication proving my ownership of account.
Money was overdrafted on the same day resulting in - {$12.00}. Wellsfargo immediately charged an overdraft fee without giving me a chance to fix it. Upon calling and asking for a first time waive, they refused and offered me a 25 % off. When I asked them if there was anything else they can do to help, the person ( XXXX  ) I spoke with threatened to recline the offer. I had no choice but to accept it as they explained the offer was one time and wont happen again.

I have been a Well Fargo member for years and they cant even extend a one time full waive. That is extremely insulting and shows they dont really care about their customer base. {$35.00} fee might not be a lot for them, but for someone who lives paycheck to paycheck, it is a weeks worth of food.
My original complaint regarding dead air calls Case Number XXXX went unanswered by XXXX Associates. I am filling a new complaint as I am again receiving repeated dead air calls. 
XXXX Associates XXXX XXXX XXXX XXXX, FL XXXX acting as a Debit Collection Agency failed to validate their claim for the account which they were attempting to collect a debt, XXXX XXXX Account : XXXX their Case No : XXXX, as required by the Fair Debt Collection Practices Act Section 809 [ 15 USC 1692g ]. The debt has been disputed thus XXXX Associates were required by the FDCPA to cease collections. I am again receiving harassing illegal dead air calls from their phone number XXXX to my cell XXXX. 
Just a few of the recent calls : XXXX XXXX, 2015 XXXX XXXX XXXX, 2015 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 XXXX
I sent a letter over to Transunion for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Transunion to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report. Pursuant to the Fair Credit Reporting Act, I expect you to complete the removal within 30 days. Please send me an updated report as soon as your investigation is completed. Sincerely, XXXX XXXX
I found out that I was a victim of Fraud and someone falsely used my identity as a co-signer on a auto loan. I was not aware of this until XXXX XXXX had gave me a call. They stated that the person who stole my identity had gap insurance and that it would cover the debt. Although I told them this is not me they continue to report this as a charged off on my credit report. I would like an investigation to show proof as me as a co-signer and have the debt removed.
I was called on XX/XX/XXXX about a XXXX debt for XXXX. They refused to identify who they were on the initial call to me. Advised not to call me again. Called them back spoke to woman who discloses the debt without mini XXXX first and did n't disclose what company. Asked to speak to manager and advised why transferred me to a general voicemail. Called back 3rd time advised never had XXXX and he hung up on me.
I recently set up a checking account with CapOne360. I deposted {$4000.00} into the the account. I received a message saying it would take a week before the funds would be available. Once the funds were finally availlable, I set up a wire transfer so that I could transfer funds into my personal checking account. I received a new message saying that I would take three business days to establish the new wire transfer account. Once the account was finally established after the three business days I attempted to make a transfer into the newly established account with the available funds and I received a new message saying that Cap One would hold the funds for an additional three days before the funds would be transferred to the new account. Is this legal? If it is, it should not be.
SINCE  XXXX  O F 2016 EQU IFAX CREDIT BUREAU AND  XXXX   XXXX    XXXX   XXXX   AKA  XXXX   XXXX   XXXX . HAVE COMBINED OR ACTED ALONE. TO ERRONEOUSLY NOT REPORT, MISREPORT, OR NOT REPORT PERIOD. MY  XXXX   XXXX  AKA   XXXX   XXXX    XXXX   XXXX   XXXX  ACCOUNT AS ACTIVE. WHICH HAS RESULTED IN MY EQUIFAX FICO SCORE BEING UNFAIRLY REDUCED FROM  XXXX  TO  XXXX  OVER THE COURSE OF THE LAST NINE MONTHS OF THE YEA R 2016.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Re :  Property Address : XXXX XXXX XXXX XXXX, La. XXXX Dear Consumer Relations, The reason for me writing is to request an investigation into Bank of America business practices. According to the account information I received from attorney XXXX XXXX, dated XX/XX/XXXX, within the foreclosure document it states note was in default XX/XX/XXXX and notice mail. Their was six payments sent to Bank of America to cover my mortgage payments, issue from XXXX XXXX XXXX XXXX , XXXX, from the month of XX/XX/XXXX to XX/XX/XXXX. The information is documented below. 

1. Check # XXXX, dated XX/XX/XXXX, {$530.00} 2. XX/XX/XXXX, received Notice of Intent To Accelerate, delinquent {$1100.00}. Issue ( 30 ) day notice of default. 
3. Check # XXXX, dated XX/XX/XXXX, {$530.00} 4. Check # XXXX, dated XX/XX/XXXX, {$530.00} 5. Check # XXXX, dated XX/XX/XXXX, {$530.00} 6. Check issue XX/XX/XXXX, {$530.00} 7. Check issue XX/XX/XXXX, {$530.00} 8. Check issue XX/XX/XXXX, {$530.00} Furthermore, Bank of America collected {$3700.00} in payments, between XX/XX/XXXX through XX/XX/XXXX, from XXXX XXXX XXXX XXXX, Incorporated. Neither of my payments accounted, they mail me a delinquent notice to pay them {$1100.00}. My question is where is my money? The Notice of Intent does not reflex any payments that were made to my mortgage account. Your assistance in investigating this matter is greatly appreciated. 

Respectfully, XXXX XXXX
I am a current subscriber with XXXX and have been for close to three years. In XXXX a collections account appeared on my report that was originated by XXXX XXXX ( XXXX ). I used the information from the to reach out to the creditor with the phone number listed in my file. After series of call attempts and transfers I was connected to the location that handles my account. After validation of debt I began to payoff the account. As of XX/XX/2016, this collection account was paid in full with a credit balance of {$1.00}. 
After payment was satisfied I had to dispute the account status to have it updated to show satisfied and closed with XXXX and XXXX as account was listed closed on Equifax. XXXX investigated and listed the account satisfied and closed. XXXX investigated and listed the account satisfied and closed. Then from my most recent XXXX report Equifax has the account listed as open with XXXX balance. I tried to submit a dispute along with getting a letter of satisfaction from the collections agency and when I called I was told that the account was being disputed and routed to another area that uses a voicemail to leave your response or inquiry. I tried to initiate a dispute with Equifax online only to receive an error that they were unable to verify me online and to contact by submitting a fax our mailing the office. This has become quite the Catch22 and does not support FCRA in many dimensions. 
I have worked diligently on my part as a consumer to be accountable for my past actions and information is not being updated as required by law from both the Collection Agency ( XXXX/XXXX XXXX ) as well as Equifax.
On XXXX XXXX, 2016 my tax preparer XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX Bank. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
Dear CFPB : My first compliant CFPB Number : XXXX filed in XXXX XXXX I explained and laid the ground for a fraudulent mortgage foreclosure against me and my wife by Caliber Home Loans and it 's alleged trustee, XXXX Master Participation Trust. Caliber Home Loans in their response to my original compliant said they conducted an internal investigation by the XXXX XXXX XXXX XXXX of our allegations of fraudulent assignments. They said once the investigation completed they would send us the results of their findings. The last we heard was that they found no merit in our allegations and the investigation was closed on XXXX XXXX, XXXX. As of this new filing we have never received the results either by U.S.P.S. or electronically. 

XXXX filed a Motion for Summary for Judgement in XXXX of XXXX. We filed our Objection/Opposition to their MSJ on XXXX XXXX with a affidavit from a Certified Fraud Examiner and incontrovertible evidence of forgery on XXXX or XXXX assignments of our mortgage. The judge on this case ruled and ordered in favor of the plaintiff for their Motion for Summary Judgement on XXXX XXXX, XXXX. He also granted the plaintiff 's In Rem action which essentially eliminates any constitutional rights or due process as citizens of Pennsylvania and the United States to present our evidence in a court of law. The judge granted the foreclosure and sale of our home by sheriff sale in 30 days. The judge issued a XXXX Order with no opinion, no finding of facts and no conclusions of law. I 'm sending to CFPB a copy of our Objection/Opposition to the plaintiff 's Motion for Summary Judgement and the judge 's XXXX order.
I have repeatedly asked Navient to provide me with printed payment history, as the company has not permitted me to make lump sum payments to principal. I have yet to see my statements. Any large payments I have made have been placed as future dated payments allowing the company to collect additional interest, rather than applying the payments to principal. 

All of the below mentioned have impacted me : Trouble with how payments are handled Do n't agree with fees charged Received bad information about my loan Need information about my balance/terms Keep getting calls about my loan Having problems with customer service I went to two schools and borrowed on both : XXXX and XXXX University
I have tried many times to negotiate with Navient regarding my student loan. They will not take anything into consideration as i have told them many times i am already paying {$500.00} a month in other student loans and in no way can pay what they are asking as there is no money left. Im not trying to not the pay the loan, i just want an affordable option. So I resulted to sending them what money i have left from other loans and life expenses which resulted in {$10.00} each payday. 

However, they have resulted in harrassing me by phone and will not give me any options. Today they called my job, i tried again to negotiate but they said no and told me they will continue to contact me at this number. 

Before calling me at my employment, they called my parents house many times a day asking for me beginning at XXXX until XXXX. Now they have resulted to calling me at work. 

I need these people to stop the harrassing tactics and try to help me with resolving the issue. They never give me but one option and that is the rate reduction plan and its over {$300.00} a month. If i had {$300.00} left each month, i would send it to them. 

The last statement today was we will continue to call you at this number until your account is current. 

Make them stop and give me a fair deal.
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, I XXXX XXXX attest that I do not owe any money for a medical services rendered at XXXX XXXX XXXX hospital. I am enclosing receipts of payments made to XXXX XXXX hospital. Based on aforementioned federal statues I'm asking this company XXXX XXXX XXXX to immediately cease and desist and correct my credit report with all credit bureaus. I am requesting that this company be fined for being negligent in their reporting of a debt that is not owed. if my credit is not fixed within 5 business days, this company should be reported to the department of justice for fraud and harassment.
In XXXX XXXX it was announced that Equifax Inc. systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.
American Express is applying a {$2.00} a month fee to maintain a gift card only 5 months after I received it. I believe that they ca n't charge a fee until 12 months after receipt.
Did not see a category that fit perfectly. A debt collection company named Alliance One, XXXX XXXX XXXX XXXX XXXX, WA XXXX charged our credit card {$30.00} without our knowledge or consent. We have never been contacted by Alliance One in any way. When I called Alliance One they confirmed the charge based on the charge date, the charge amount, and the last XXXX digits of the credit card account, at which point they gave me a reference number. They did not ask any questions ( name, address, date of birth, etc. ) to confirm that I was the actual person related to the charge, which amounts to Disclosure of Verification of Debt. They transferred me to another person who then wanted all kinds of personal information but refused to explain who the company was, what the credit card charge was for, or how they got my credit card information to begin with. We had to have our credit card cancelled and a new card issued.
I was looking at my credit using XXXX XXXX and I noticed a few accounts and inquiries that I did not recognize. This made me wonder who could have used my credit so I asked my family and they all said no. I immediately contacted the bureaus and placed a fraud alert on my credit report.

Reporting on XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX on XX/XX/XXXX Reporting on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Reporting on Experian XXXX XXXX XXXX with account number XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX I have been told by each bureau that the accounts and inquiries will be removed. However no change has been made and this is starting to effect my credit.
I recently purchased a new car, and received bank financing through the dealership. During the sales process, the dealership gushed about my " excellent credit '' and made it a point to emphasize the 0.9 % financing I would receive. So, I was very surprised to now see the rate listed at 3.89 % on my bills. ( I would also note that my carbon copy of the financing agreement, provided to me by the dealership at the time of sale, was NOT EXECUTED by anyone from the dealership. )
JP Chase Morgan Bank filed a collection suit against my ex-wife and myself XX/XX/XXXX. We hired and attorney and pointed out the debt was not owed and the case was dismissed WITH prejudice on XX/XX/XXXX. Since that time, JP Chase Morgan collectors have repeatedly contacted both of us attempting to collect this debt. When it is pointed out that we do not owe the debt and that they are attempting to collect on an noncollectable debt, the calls stop temporarily. Today, I was again contacted by a XXXX from JP Chase Morgan collections unit ( no last name given on voicemail but extension XXXX ). I again pointed out that this is an noncollectable debt and he stated he knew they can not file suit against us but they are still going to attempt collection and that the next step is to assign the debt to another collection company. I advised him to stop harassing us and no longer contact us via phone. 

How can JP Chase Morgan continue to attempt collection and threaten to assign this noncollectable debt to another collection company? This has to stop.
I just received an email from " Navient '' asking for {$100.00} payment. I am still in college and do n't know why at this time they are asking for money. My service was with XXXX & it looks like this is the new company that has taken over. I was told I did not have to start paying the loan back until 6 months after graduation. 
I just read the reviews on this company. I do not want to deal with them. What are my options?
I SEND A LETTER ON XX/XX/2018 ABOUT THIS ACCOUNT AND DETAIL OF THE ACCOUNT AND I NEVER GOT A ANSWER FROM THIS COMPANY .. 


XXXX XXXXXXXX XXXX TOLD ME OVER THE PHONE ON XX/XX/2018 TALK WITH AGENT NAME XXXX ID XXXX SHE STATED TO ME THEIR IS NO ACCOUNT LISTED FOR ME UNDER THAT NAME OR ACCOUNT NUMBER PROVIDE .. 

IF THATS TRUE WHAT THE AGENT SAID UNLESS SHE GETTING PAID TO LIE TO CUSTOMERS FOR A CHECK .. THIS IS CRAZY .. 

ACCOUNT NUMER IS XXXX
This company continues to call harrassing my elderly parents, the business office of my ex husband and myself. Identifies through voice mail the personal information that he should only be sharing with myself. Also, I asked for him to provide me in writing the information of this debt, as I do not have any knowledge of it, and when I requested this information he became very rude. All I want is this information in writing and for him to quit calling my employment and my family members. He has my number and address if he needs to get ahold of me.
Yes there was a transunion glitch everything was taking off then added back, and by law once something is removed you can not add it back to a customer credit report, i was not notified in writing these thing would be added back to my credit report and this is against the law.. your company has broken the law, per frca section 611. Thank you
XXXX   XXXX   XXXX  has changed the reporting status of an account included in my  Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on Equifax was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my Chapter  XXXX  discharge.
XXXX keep calling about a loan i supposedly had 1 year ago, due to the harassment and threats i made 1 payment of {$77.00} then 2 further payments. 
they called the other day for more money but i was not able to pay the full amount, this resulted in me being told i would be taken to court and arrested. Also my amount owed would go from {$1300.00} to {$2800.00}. 
I was told they would tell the court i refused to pay the payment amount when i actually offered to make a reduced payment because i was not in a position to pay the full amount. 
I requested a copy of our " recorded '' conversation and was told she would n't play these games with me and i would be seen in court. 
Also i never received any paperwork with details of my loan or payment plan, i requested these several times and was told i would receive them. 
I NEVER ONCE REFUSED TO PAY THE LOAN IN QUESTION
I am disputing the terms, balance, and amount owed on my Navient student loan account. It appears they may have front loaded interest payments. Creating a problem for my principal to be reduced each month I 've been making payments. Loan seems to her higher each month instead of going down.it appears they 've shifted loan interest instead of principal. These a ruins were willful, intentional, and taken in bad faith. I am asking for accurate verification of debit, balance, interest and principal due on my loans. I 've been making payments on the loan for over 10 years with no change in principal balance.
There have been a multitude of credit inquiries under my name that I did not authorize or commit myself. I noticed inquiries from XXXX XXXX, Capital One, XXXX XXXX, XXXX, Kohl 's Card, etc. Someone has been using my information to apply for credit. Since I noticed all these inquiries, I have placed a credit freeze on all of my credit reporting agencies. Furthermore, I have contacted most if not all the accounts and requested they be closed under fraud.