WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion fails to remove the XXXX XXXX XXXX account.. Transunion reports incorrectly that this account has a credit limit of {$15.00}. Transunion reports incorrectly that this account is paid monthly. Transunion reports incorrectly this account 's date of first delinquency.. Transunion continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Capital Collection Service, ( XXXX ) XXXX, continues to call us about a debt owed by someone we do not know. When we complain to the caller that we are not the party they 're looking for, the caller always very politely apologizes and says they 'll remove our number from their calling list. They do n't, we keep getting calls.
I opened a checking account at Citibank based on a targeted offer for XXXX XXXX XXXX miles after certain criteria were met. As I understood from the personal banker, I made sure I had met those qualifications. Also, I was never given any paperwork stating specific qualifications for the promotion. I followed up and was told by a customer service representative that I had met the qualifications. Then I was contacted by the personal banker stating that I had not met one of the qualifications. I followed up with customer service to try and resolve the issue ( because the personal banker was not helpful ), but it was not resolved. I was mislead and the bank is not willing to resolve the problem.
X/XX/2017    -- I ordered  XXXX  tickets to  XXXX   XXXX  from  XXXX  website for {$300.00}.  XXXX  sent me an email that the charge was declined by Discover. At the same time, Discover sent me an automated email of fraud alert and was asking me if the orders were valid. I did not respond to their email but instead called Discover on  X/XX/2017   .     So, during my conversation with the representative at Discover on  X/XX/2017   , I was told that there should be no problem with my card. I asked if the order made on  X/XX/2017    went through. I was told no. Worried that I might get charged twice, I asked if I should place the order again. I was told by Discover th at Discover does no t run through what it declined, so I should place the order again. I placed an order again at  XXXX  site on  X/XX/2017    for  XXXX  tickets at {$300.00}.     On  X/X/2017    I checked my  XXXX  app and found  XXXX  tickets. I called Discover because I had been charged twice on my credit card. I called Discover because it is Discovers fault first, they declined the order, and second, they told me the first order did not go through and that I should place the order again. Discover removed the disputed charge of {$300.00}.     On  X/XX/2017   , I calle d Discover to follow  up on my dispute.     Sometime in  XXXX , I contacted  XXXX  to ask them to remove the duplicated tickets from my app. But, they said they couldnt because the tickets can not be returned as they exceeded th e 3-day  window. I have not clicked on any of the tickets ( I believe clicking them means that the purchaser has accepted the tickets ) because I might click on the ones that were disputed and it might make the dispute invalid.     On  X/XX/2017   , I found out that Discover put back the disputed charge of {$300.00} into my credit card. I called Discover again, and they will have a supervisor call me within 3 days.
After scheduled payments were terminated by the Fifth Third Bank, they failed to contact me or alert me that my account was delinquent and accumulating late payment charges!
Due to the unsuccessful  XXXX   XXXX   XXXX  Credit Card, Comenity sent letter to all cardholders that effective  XXXX   XXXX ,  XXXX  the credit card will be closed and no purchases will be accepted. We were told to contact any creditor that had reoccurring charges with  XXXX   XXXX   XXXX  credit card and provide a valid Credit Card. I had no reoccurring charges and I have destroyed the card. On  XXXX ,  XXXX  and  XXXX  Comenity has charged my closed account  XXXX  each month for  XXXX  that I cancelled in  XXXX   XXXX . I called Comenity early  XXXX  about the charges and they indicated it was done in error and reversed the charge for  XXXX . The supervisor assured me that they would not accept anymore reoccurring charges, however most recently I was charged again another  XXXX . I am being charged interest on this account and Comenity continues to accept charges on this closed account and I 'm getting the runaround when I called customer service.
I opened up an account at PNC XX/XX/XXXX when I got my second job so that I could put money into that account and save easier. So I set up my account so my direct deposit would go into that account. Well I never had more then XXXX in the account. XX/XX/XXXX was the last time I took out {$100.00} leaving me with a balance of {$5.00}. Then I do n't look at the account again until I get a forged check with my name on it for {$900.00} that was put into my account. I do n't know how anyone got into my account to deposit and the bank obviously rejcted it. Then I got a letter in the mail telling me that I have a -XXXX and some change. So I go on my banking app and see that my account was hacked. So I called the bank and their response was because it took me too long to call them about the forged check that I compromised my account. So I called them up and I got the run around from them. I was told that I had to go make a police report so I went and did that at my local police deparmtnet and the policeman Officer XXXX of XXXX County police on XXXX XXXX, XXXX, told me to have the bank call them because they were unsure of twhat what had happened they did n't know why the bank had sent me there when there was nothing they could do. So I call back up, after talking to XXXX the day before to talking to XXXX now, and she directed me to the Fraud department of the bank who was told me that bank had charged it off, and that XXXX would be contacting me. And since then no one has contacte me. No one can tell me why they allowed someone taohack into my account and withdraw more then XXXX when there was little to nothing in the account. So now I am being charged with the balance that I had nothing to do with. This bank is so unprofessional
Wells Fargo ( WF ) was my bank for a period of over 10 years. During these years WF had my trust and was my banking institution. More recently this trust was shuddered by WF on my finding that certain accounts were opened with out my permission and my knowledge. On my informing this to WF managers and I talking to press representatives about my situation I was quickly pointed out by the management of the bank for closure of all of my accounts dealing in a personal and business level. Over 13 accounts were closed by WF in an act of retaliation of reporting illegal activities by the bank. The closure of account has a cost of purchasing hundreds of dollars and staff time to re organize my banking systems. Retaliation and the reporting of wrong doing should not be a reason to close a customer bank accounts. Yet WF did.
On XX/XX/XXXX two separate unauthorized, fraudulent transactions were charged to my " XXXX XXXX '' Visa DEBIT Card. The transactions were used at XXXX XXXX. I contacted the Card Issuer immediately upon learning about the transaction and had the card closed and re-issue a new card. First ( 1st ) transaction was for {$190.00} -XXXX XXXX and the 2nd transactions was for {$240.00} -XXXX XXXX . I  reached out immediately to the merchant as well ( XXXX XXXX ) to let them know my card was fraudulently used and contact authorities the card is being fraudulently used. Upon checking, XXXX XXXX Representatives could not tell me who used the card nor could they verify that the card was even used in their system. At first contact with XXXX XXXX, I was told their dispute process is " 40-60 days! '' Its been both, a very frustrating process and experience dealing with this company, XXXX XXXX aka XXXX XXXX XXXX. They kept on giving me the runaround, for several weeks from XX/XX/XXXX through XX/XX/XXXX. I had to encounter rude, lackadaisical representatives at XXXX XXXX aka XXXX XXXX XXXX and long delays getting any information regarding the 2 fraudulent transactions on my debit card. Then they waited to send me a letter mysteriously dated XX/XX/XXXX. But it somehow verified and postmarked by " XXXX XXXX '' on XX/XX/XXXX, that my claim has been denied.
XXXX XXXX fraudulently placed this account on my report. Sold it tonsecurity credit services. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.
XXXX XXXX XXXX placed a collection on my XXXX XXXX credit report and Transunion credit report on XXXX XXXX, 2015 stating that I owe a balance of {$2300.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
I have a XXXX credit card, formerly with XXXX XXXX XXXX which switched to Key Bank. On the switch, I was unable to log on to the Key Bank web site. There was suppose to be a smooth transition. On, Tuesday XXXX XXXX 2016, I was placed on telephone hold for one half hour until I gave up. Today, XXXX XXXX 2016, I was placed on hold for 1 hour and 20 minutes until I reached a rep, who switched me to another rep line, which gave me a recorded message that there would be at least another hour hold time. This is totally unexceptionable.
The XXXX account is being reported incorrectly! The account is paid and the agreement made with them was for the " Full '' balance not " less then full balance ''
I was called by XXXX, XXXX @ XXXX and told that I had committed check fraud, specifically Fraud with Malacious Intent, by not paying back a payday loan to Ace Cash Express. He furthered by stating if I did not pay the balance due by the XXXX of this month, charges would be filed against me. 
This person calls me XXXX to XXXX times a week as well a calls my daughter at work for me. 
I want his threats and scare tactics to stop! His actions are illegal. I 'm suffering illness and unemployment! I have no money to give and am considering bankruptcy!
On XX/XX/2016 I sold my side by side! I was givin a check witch was approve by XXXX XXXX The check was sent to them for the payoff witch was $ XXXXI got a receipt the the side by side was payed in full.Now they are trying to tell me I owe them {$13000.00} and are steadily adding interest.This has caused me a lot of stress.I wasnt able to get my XXXX XXXX refinanced.
My loan servicing XXXX XXXX XXXX is not handling issues brought to their attention in reference to my student loan. I requested my account to be reviewed with no results. I started contacting them since XX/XX/2018.
TransUnion XXXX, XXXX XXXX, XXXX collection was removed after I sent ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX County case # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXALSO SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
COMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " HOMEOWNERSHIP FOR INDIVIDUALS WITH XXXX PROGRAM '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS GOD WILL BLESS YOU I AM SURENANCY XXXX XXXXXXXXXXXX
I have disputed this debt with XXXX and XXXX.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.XXXX only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.
We have been attempting to resolve an error made by our loan servicer for weeks and have not received any of the promised call backs nor have any of the issues been resolved. Ocwen incorrectly calculated our escrow by adding an additional " special district tax '' to their calculations that did not exist and was a duplicate of our normal county taxes. We called them on or about XXXX XXXX, 2015 to inform them of the error and were told that the correction would take approximately XXXX days and that the tax amounts would be updated, a new escrow analysis run so we would know what the correct amount to pay would be for our XXXX payment. We called Ocwen back on Friday and learned that the tax amounts had not been updated nor had the new escrow analysis been run. They advised they would escalate the request and it should be resolved with in XXXX days and they would call us back. We called back back after XXXX days because we had not received their call back again and found out the tax amounts had been updated but the escrow analysis still had not been run. We were assured the analysis would be run and made effective for the XXXX XXXX, 2015 payment and that they would call us back to let us know it had been completed. Again we did not receive a call back. We called today to find out the new analysis had been run, but was not effective until the XXXX payment. We paid {$1200.00} in XXXX for the XXXX payment. Due to Ocwen 's error in recording our tax data, and inaccurate escrow analysis, the amount we paid in XXXX for the XXXX XXXX payment was applied entirely to principal instead of as the regular principal and interest payment. We have scheduled a payment for XXXX for {$300.00} more than the normal amount to ensure there is no negative credit reporting due to the multiple errors committed by Ocwen. Today the advised us they could not correct the escrow without sending yet another request to another area because of the time, XXXX eastern, and that " not much got done on Fridays '', but they again assured me they would call us back, although they 've failed to meet that commitment the last XXXX times. In short they 've miscalculated our taxes, run an improper or incorrect escrow analysis, misapplied our payment, and I believe violated RESPA as well as multiple fair and responsible servicing standards. We are now being financially harmed by Ocwen because we are being forced to pay more than we owe for our monthly mortgage payment and they have shown no urgency in resolving the issue although we 've given them multiple chances and ample time to correct the problem
I was served by XXXX XXXX sheriff a notice to appear in court at the end of XX/XX/XXXX. Court date was XX/XX/XXXX. I appeared to court that day and talked to XXXX women representing A debt collector. We agreed on a {$50.00} a month payment plan for 4 months. I paid {$50.00} on XX/XX/XXXX which I have a copy of the payment receipt { # XXXX ) from that transaction, and an additional form stating the agreement for 4 months on it. I work for the XXXX and I get paid once a month. On my XX/XX/XXXX paycheck there was a garnishment of {$460.00} from the debt collector I just made an agreement with, less than 2 months ago. I was not informed, or sued by the debtor, or given the chance to request a hearing but they took my money anyway without me knowing about it until I received my paycheck. This has completely devastated me and left me the inability to feed myself until my next monthly paycheck.
I received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted Wells Fargo where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on XXXX, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.
In XX/XX/2017 I made a purchase under {$35.00} at my local XXXX. I use my XXXX XXXX XXXX card. I travel for work any only have my mobile phone. I did not return home until XXXX. First, I thought I paid the card in full. Second, my 840+ FICO took a dive. I immediately pulled a credit report and found a 30 day late score on my report. I contacted AE fraud department. They put a fraud notice then transfered me to their fraud division. The man I spoke to gave me information and I told him it was my charge. He then transfered me back to customer service and I paid the bill. I have 43 years of stellar credit with accounts going back to the mid 70 's. 
This particular account was over 10 years old with a large line of credit. All my credit cards are paid in full each month. Each person I spoke to were unwilling despite the issues of there phone system and the issue of using a cell to access their site. Note : because I am on the road I monthly check the balances of each of my credit sources. 
I appealed up their chain of command. Finally I spoke to a XXXX in XXXX XXXX who sounded XXXX bias. She was extremely curt and rude. She said she would send out a letter and again I explained that I was on the road. My credit had dropped to the 760 range.

Late XXXX I was home and read the letter. I took my information and made an appointment with the local XXXX XXXX branch manager. She listened and appealed up her change of command. She also addressed the issue with XXXX XXXX. In XXXX XXXX XXXX called my for the final time. In XXXX my credit score dropped again this time down to 721. What had changed? I paid off my car 2 years early as well as XXXX complete student loan. So I called Transunion and found out that in XXXX XXXX XXXX XXXX XXXX updatef my account reflect that I had an overlimit in my history. Once again I called XXXX XXXX and spoke to an onshore representative who then reviewed the entirety of my account. They noted that note only had I never got close to approaching that ever in the decade of having the account. Also from what they could see on the there was now no indication that the account had an over limit. I have multiple credit sources all excellent. Four decades of perfect credit, house and car loans most paid in full and use credit regularly with no issues save this one. Please help me get my good name back!
On XX/XX/XXXX I made an online payment in which I had done for almost the whole previous 11 months of that year despite the fact that they charge XXXX to pay online. My payment was subtracted from my bank account and then credited back 6 days later. I was not aware only to get a bill for XX/XX/XXXX stating I was 30 days late. I called XXXX and spoke with 3 different customer service reps no one could explain what happened why I was credited back the money. Since I didnt want to pay late fee and the fee to pay online I mailed a check for the amount to cover XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX cashed my check on XX/XX/XXXX and left me a negative 30 day late on my credit. They refuse to budge even though I was not made appear that the payment was processed incorrectly on their end and not notified it was returned. 
They are a scam. Charging fees, late fees and not processing payments
AMEX phoned me and invited me to apply for a gold AMEX card. Said I was prequalified. So I applied over the phone, was denied. I appealed the denial - AMEX says I was denied because my old AMEX card was cancelled in 2003. That was thirteen years ago during the financial crisis I could n't pay my bills. I have over XXXX credit now, always pay my bills, high credit lines on all my existing credit cards. Why wo n't AMEX forgive and forget? It seems like it is a violation of the Fair Credit Billing Act to hold something over seven years old against me. That old AMEX debt was never pursued and was forgiven by AMEX, it is legally extinguished.
see attachments for details.This complaint against the credit bureaus refers to a direct CFPB COMPLAINT XXXX against the furnisher XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX
I called R and R collections asking for any information or proof of this debt. I asked for all records of this debt thats on my credit report. The office manager XXXX informed me that " they do not keep any records in their office and can not send me any information whatsoever '' She told me to call the hospital because they do not have anything in their office to show proof of this debt which are two medical bills reporting on XXXX. The other collection on my report is from XXXX XXXX heating and air. This company is out of business for the last 5 years. So they can not validate this debt either. They also reporting this collection on my report 3 in all. I believe they refuse to cooperate with me, they refuse to send me details ..I have reported this to the credit bureau 7 times and they refuse to validate the debt. The credit bureau gave me your contact information to make a report and file a complaint
I have recently this year received numerous emails from Spam senders and even XXXX of my own Credit Card accounts alerting me that my credit score has changed with XXXX, Equifax. I have not opened or been late with any accounts. I pay on time and either the balance in full or more than the minimum payment. I am unsure why my credit score keeps changing MONTHLY!! Please help me, I do not know if this is legit or not and seem to have no control of when this is happening.. 
Thank you
I have disputed XXXX XXXX and XXXX XXXX with Equifax multiple times. I have explained that these accounts should have been deleted according to 15 USC 1681 605 ( a ) ( 4 ) 15 USC 1681 605 ( c ) 15 USC 1681 605e XXXX XXXX and XXXX XXXX are the same account. The last payment made to XXXX was XX/XX/2010 and should have been deleted. Equifax has failed to report these account complete and accurate. There are many incomplete and inconsistent facts on this account especially the last date of payment. 

I have sent in documentation and XXXX XXXX just alters information with out correcting and deleting these accounts Equifax is in violation of 15 USC 1681 ( i ) 611 15 USC 1681 ( c ) 605 ( a ) ( 4 ) 16 USC 1681 ( c ) 605 ( c ) ( 1 ) 16 USC 1681 ( c ) 605 ( E )