WillisBack/dataset-financial-user-claim huggingface dataset:
I had sought to have some erroneous reporting on my credit report corrected. It's a simple error but has an undue impact on my credit report. I tried every number I could locate to try and speak with a live customer representative. Every number I tried gave the same recorded answering message instructing you to give the action you are requesting. Could not get past any of them although the info I gave was correct. I then proceeded to try an file my dispute on their online dispute center. I could not get past giving my correct physical address even though the info they had is correct. 
This company holds too much power over us to not try an give correct info on their credit reports. I know that at first glance this may seem like a trivial complaint, but I hope you can relate to it. Our very lives are affected by our credit reports and they XXXX well should be held accountable. 
Thank you, XXXX XXXX
My cell rings, and the caller hangs up before I can answer the call. This has happened a lot of times. Following are hang up calls from the same number. I called the number back, and they hung up on me. 
List of hang up calls to me. 
XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX
On or around XX/XX/XXXX Original loan debtor transferred her interest in the property to her brother due to her illness. On XX/XX/XXXX, Original loan debtor passed away. A probate was opened thereafter and an order naming maternal brother the Administrator was approved by the Judge on XX/XX/XXXX, which expired on XX/XX/XXXX, and reissued for the purpose of finalizing the Loan Modification. A modification was submitted on XX/XX/XXXX and approved for a trial payment of 90 days. Thereafter a final modification was approved on or around XX/XX/XXXX. 

However, the Mortgage Company : XXXX XXXX XXXX XXXX XXXX and/ or their agent Servicer : XXXX XXXX XXXX ; failed to respond to the proper notification of the probate court to place the mortgage within the Estates name, even after several notifications and follow up, phone calls from XX/XX/XXXX until present XX/XX/XXXX.
My email to RushCard sums it up : I have called and called today about the transactions in XXXX of my cards. My name is XXXX XXXX card ending in XXXX # # # and XXXX # # # both had transfers and I received confirmation via text and email plus online but talking to your reps they do n't all of a sudden show my missing money! 

I 'm very upset about this because. Have been hung up on twice, told that it did n't make sense as if you guys do n't have a glitch on your end. My card went from a successful transfer to showing an {$0.00} bal on card ending in XXXX # # # and my other card XXXX # # # does n't show the {$100.00} added with a new balance of {$100.00} it only shows the {$5.00}. 

I asked to escalate this and I asked for a form and was told I can yell, scream and cry but it 's nothing they show so what am I disputing then hung up on! Please review the calls all XXXX of them today. 

My cell is XXXX # # - # # # # and I have sent my complaint the the attorney general as well as the XXXX and unclerush XXXX XXXX via XXXX publicly about the errors and treatment today over the phone. 

See all attachments as I have also uploaded the screen shots on your web as confirmation that this transferred showed over and over that it was completed and successful. The rep said she did n't see any activity on my card ending in # # XXXX since XXXX XXXX which ca n't be right being that I did a transfer from my card XXXX this morning to my other card and XXXX I tried to transfer it back hours and hours later all said it did via text online and email but yet I do n't have my money it 's not reflecting and has disappeared and no one seems to even see what I 've gotten as alerts about my account! 

Where is my money!!!!!!??????? Call and email me today See attached documents and also see online uploads I sent that message last week and I still have n't gotten any replies or phone calls and my cell phone is off, my utility bill is up for disconnect and my rent have been file eviction on because I can not access my account and I 'm missing my money.
Hello, I discovered on   XXXX   XXXX   that I was a victim of Identity Theft / Bankruptcy Fraud / Credit Card  / Loan & Medical Fraud,  Since or Before   XX/XX/XXXX   to Present Date. I have tried to dispute the information on my credit report with  XXXX  and TransUnion via  XXXX   XXXX  as best as I know how, I have been successful in getting a lot of activity removed from my credit bureau accounts. But am still having problems getting the following removed.     The following information is not mine, but the person causing fraud ...     *These are the collection accounts that are reported as open on my credit report.     Credit Report Bureau -   XXXX    XXXX   XXXX   XXXX  -   XXXX   XXXX   XXXX   XXXX   Balance {$160.00}  XXXX  Open accounts reported on  XX/XX/XXXX .     *Account #  XXXX  Balance {$83.00} Original Creditor name -   XXXX   XXXX   XXXX   XXXX   High Balance {$83.00} Opened Date  XX/XX/XXXX  Last Reported  XX/XX/XXXX  Responsibility - Individual Account Remarks - Medical *Account #  XXXX  Balance {$83.00} Original Creditor -  XXXX   XXXX    XXXX   XXXX   High Balance {$83.00} Opened Date -  XX/XX/XXXX  Last Reported -  XX/XX/XXXX  Responsibility - Individual Account.   Remarks - Medical *Credit Inquiry VIA  XXXX  *Creditor Name -  XXXX   XXXX  Inquiry Date -  XX/XX/XXXX  Removed By* -  XX/XX/XXXX  Type - Miscellaneous Utilities *Creditors Name -  XXXX   XXXX  Inquiry Date -  XX/XX/XXXX  Removal Date -  XX/XX/XXXX  Type - Mail Order Firms Info via TransUnion : - Credit Inquiry - Creditor Name -  XXXX  Inquiry Date -  XX/XX/XXXX  Removed by* -  XX/XX/XXXX  Type -   XXXX   XXXX   XXXX   XXXX    Contact  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  *Public Records Details Via   XXXX    : - Bankruptcy -- Discharged  CH- XXXX  -- Reference Number -- Date Filed -  XX/XX/XXXX  Date -- Status  XXXX   Discharged CH  XXXX  Amount -- Classification -- Responsibility - Joint Asset Amount  -- *Credit Report Bureau -  TransUnion Balance {$0.00}  .     XXXX  Open accounts reported on  XX/XX/XXXX .   This agency did not report an open account to this bureau.      *N  ames  Reported on TransUnion and  XXXX   :  - *  XXXX     XXXX , Last Name *Last Name,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  Addresses Reported on TransUnion and  XXXX  ...       XXXX   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Employers  Reported  :  - *  XXXX   XXXX   XXXX   Date Reported  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
I have been filing complaints for 2 years and nothing has been resolved the only thing the TransUnion and XXXX  and XXXX is put on a statement consumer filed bankruptcy even though that was more than 2 years ago then lowering my credit score even more than it was before. I did not have any of the inquiries removed like i requested with certified letter that i did not authorize or know about 12 inquiries. they did not update the information for XXXX it properly and they still have not remove payment histories XXXX until XXXX when I filed bankruptcy it still includes payment history prior to my bankruptcy That was supposed to be removed by and was mandated to do so by the Ombudsmons group. CFPB keeps closing these investigations without an resolution. Im about to file an official complaint against CFPB and ALL credit bureaus. This is old. I sent CERTIFIED LETTER THAT REQUIRED A SIGNATURE. THEY SIGNED AND DIDNT DO NOTHING AGAIN.
On XXXX XXXX, 2017, Equifax announced a security breach. I went to their website and clicked on the information about it. I followed a link to enroll in free monitoring service. It said I was affected and to enroll. I followed instructions, but the link just keeps looping me back to the original website and will not allow me to enroll. I called the hotline number Equifax has set up to report this issue, and all it does is either ring busy, or answers, takes you through prompts, puts you on hold, then hangs up on you every time. I have been trying for hours!
I booked a vacation rental on a well-known website ( XXXX XXXX ). The person who posted the vacation rental falsified the website 's documents and sent me an invoice that appeared to be from the website to pay by wire transfer for the rental. I sent the money via my bank wire transfer, and I referenced the company ( XXXX ) and the company 's address which I verified before sending. After I sent the money, XXXX XXXX contacted me stating that they received word that this person was scamming their customers by sending invoices that were not legit. It was too late at this point, my money had been sent. XXXX XXXX refuses to assist me in getting my money back as they say I have to book through their website, which I thought I was doing because I was paying XXXX XXXX directly. My bank tried to recall the wire, but the beneficiary refused. I do n't think a wire should be able to go through if the name and address that are referenced are not those associated with that account. There should be some sort of verification process that keeps that from happening. I am now scammed out of {$1000.00} and a place to stay on our vacation.
MCOT, XXXX, This is a scavenger debt collection agency that is illegally throwing garnishments against my wife and i, we had a bill XX/XX/2005 for an emergency room visit, this lawyer did not notify us in order to be able to take the case in front of a judge t or magistrate then garnished {$2900.00}, XXXX take all owed then sues us the XXXX time and didnt give any notice to appear in front of judge and illegally garnished my wife the XXXX time XX/XX/XXXX for the same bill from 2005 way out of XXXX of limitations and now garnishing {$3700.00} THIS IS A SCAVENGER DEBT COLLECTIONS TEAM WHO ARE TAKING ADVANTAGE OF THE PEOPLE, We have legal XXXX of limitations to protect the consumers, allready ruined credit XXXX years and is now trying to renew an old debt from XX/XX/2005,XXXX and XXXX after this debt was started, THIS WILL BE REPORTED TO THE BAR ASSOCIATION AND XXXX. we are a family of XXXX with XXXX working and XXXX diabled and is not drawing XXXX yet.It takes every dime my wife makes to pay our bills and have food for our family, THIS MUST BE STOPPED! SO IF YOU HAVE MCOT TRYING TO SCAVENGER OLD DEBT PLEASE REPORT IT, THIS IS NOT LEGAL AND NEEDS TO BE FOUGHT AT THE HIGHEST LEVELS, They garnished my wife XXXX time allready and we did not get a chance to go in front of a magistrate or judge, this is illegal, We should have been notified, Now here we are again with no notifications only garnishment for the XXXX time for a debt thats over XXXX IS NOT LEGAL AND IT MUST STOP! THEY ARE BUYING UP OLD DEBT FOR PENNIES ON THE DOLLAR AND OUT OF XXXX DEBT, GOING ABOVE AND BEYOND WHAT IS THE LAW!
A family member passed away and in order to keep the house I assumed the mortgage from their spouse through a formal " mortgage assumption '' provided by Caliber Home Loans. After approval of the mortgage assumption, the closing process was completed XX/XX/XXXX. My family has since moved into the house. During the closing process the loan officer at Caliber went on vacation. One week after closing I began to reach out to Caliber every few days via email and phone to get a method of payment such as a statement or login and also to confirm the transfer of ownership was complete. Several weeks later I was told the former loan officer was no longer with the company and that the file is being reviewed. Caliber Home Loans has NOT contacted me with a timeline or any communication to resolve the situation. The mortgage is now over 30 days past due because they refuse to acknowledge and provide the transfer of ownership. As a result, my family is not associated with the account and they are not accepting payment. A VP at Caliber even contacted the ex-owner about having a negative balance. Caliber Home Loans wo n't refund the escrow or provide the lien release to the ex-owner despite the assumption process and closing taking place. This is causing an incredible amount of stress on everyone. If Caliber does n't resolve this now, it could negatively affect the credit of both the ex-owner and my family.
I purchased a prepaid XXXX from Office Depot on XXXX/XXXX/XXXX. When going to use this card in XXXX I found that my balance was much lower than the {$200.00} I paid for this card. There were two transactions shown online on this card during the month of XXXX - one in XXXX and another in XXXX. These transactions were not performed or permitted by me. I called a number associated with US Bank, the company responsible for the card, to report fraudulent charges on my card. They told me that the card would be locked and to dispose of it and that I would need to start a claim process. I was told to fax certain information, which I did. In XXXX I received a form via mail to complete which I promptly did. As of writing this it is XXXX/XXXX/XXXX and I still have not received a new card. It has been over 4 months since I reported my card information stolen and over 3 months since I filed the form I was sent.
Bronstein & Weiss keeps calling me saying I am on a complaint list of several federal charges and they want to talk to me to stop papers from being filed against me. They have had a " server '' call and leave messages for me to be available between XXXX & XXXX so they can serve me papers. I have asked repeatedly for them to stop calling me at work. They continue. I have asked for information and they demand I give them my personal information for them to verify. I was robbed and my personal information was stolen so I have no idea if the debt they say they have is legitimate. Regardless, they have been asked to stop calling me at work. They have not sent any kind of paperwork to show what they are trying to collect for.
I am disputing the following accounts listed on my credit report. After receiving a letter stating I was a victim of Identy theft I found the following accounts reporting. 

XXXX XXXXXXXX XXXX Fraud Account oniapim XXXX XXXX this is not my account I never had a account with this company. 

XXXX & XXXX I have no knowledge of this account XXXX XXXX Bank this account is being reported as authorize user I never gave any consent to be added to anyone 's credit I have no knowledge of this account please remove it also XXXX XXXX is reporting the same way I do understand how someone else credit card is reporting on my credit report without my consent. 

XXXX XXXX is a collection account I have no knowledge of this account I have disputed this account with the company as Fraud XXXX XXXX is also reporting a collection account on my credit this account also is being disputed as Fraud I am request it to be removed from reporting. 
I have also attached my FTC please see attachment
Trans Union is reporting incorrect information to lenders, such as derogatory public record or collection filed, too few accounts currently paid as agreed. 

In truth,100 % of my accounts are paid as agreed, no missed payments, no derogatory public record or collection accounts. 

Lender XXXX XXXX has denied my application for a student loan because of the information that is falsely reported by Transunion.
I am being called repeatedly, on a daily basis, but there is never a message left. I have googled the phone number and there are multiple complaints about this company not only being a scam, but harassing others as well. I have never heard of the company nor have I ever received written communication from them.
I purchased a house on XX/XX/17 that had existing XXXX service and had constant issues with the service with phone lines and televisions being down. They changed the status of our plan multiple times from being out of contract to being in without my authorization. There service reps missed multiple appointments to repair issues. We had to cancel service eventually and disputed the charges they said we had. They still went and reported it to the credit agencies as a derogatory in collection.
I am not a capital one bank account holder. I use XXXX XXXX XXXX. I stopped at a capital one bank ATM in XXXX LA to check my balance. I accidentally left my XXXX XXXX ATM card in the capital one ATM. Approx. 20 minutes later I realized I had left it and returned to the capital one bank to retrieve my ATM card. I was told by the branch manager that my card can not be returned to me because they are have no way of knowing why the ATM took the card. I explained that the ATM took the card because I left it in the ATM. I was told I could not have my card back and that it would be destroyed at the close of business. I went to my bank to get a new card and was told it will take 2 weeks to get my new card. I was suppose to leave to go out of the state for work in 2 days!
XX/XX/2017 XXXX reported unrecognized hard inquiry on my XXXX   credit report
I am a Drive Time customer. They have repeatedly called me as soon as your one day late. One call is enough. In this case I have a XXXX year old car that has taking {$5000.00} dollars in repair which the warranty does not seem to cover any thing that goes wrong with it. They make you get this warranty with no option to say no. So thats added to the price of the car.So to keep car on the road so I can get to work. I pay through the roof to get car fixed. Then I dont have the funds for the payment on time. So the calls keep coming from XXXX eastern time to XXXX eastern time. Unfortunately this is the second car I have had with them since 2008. They did the same thing with first car. I could not get traditional loan from A lenders. Basically forced in to this cycle of XXXX again.
My Kraken account has been '' temporarily disabled for more than 3 weeks as of XX/XX/18 i have filed 5 customer service requests and have not received an automated response with a ticket number for  escalation. I have joined XXXX and created 3 messages to Kraken at the krakensupport page under myuser name XXXX. I have received a reply from " XXXX " at kraken support but no follow up. I would like access to my account restored.
On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.
I have an account with the XXXX XXXX app that allows its users to have access to the money they 've earned after a working day. That money borrowed is deposited from our account to the app in that exact amount. However every pay week there is an agonizing delay of JP Morgan Chase Bank reporting back to app that I have been paid, so that I may begin to use the app again. I have used this app almost 2 months and have had this problem every time, that in which includes today. The app suggested I either write this report or tweet the bank in which would get their attention. I have XXXX the bank several times and only once has the problem been solved expeditiously.
On XXXX XXXX I filed a complaint against NationStar for requiring a Short Sale Seller, who has a ratified contract on their property, for not reviewing the offer, but requiring an auction to uncover other buyers and " true market value. '' That complaint was # XXXX. 
A XXXX XXXX XXXX XXXX XXXX XXXX has been conducted, so market value is known. Further, we never received an answer to the first complaint with CFPB on Friday, XXXX XXXX, per your letter to myself and my Sellers. 

The auction puts the Seller at risk of being under contract to sell to XXXX parties, which is impossible. They could be in default and at risk of a lawsuit from the buyers they are under contract with now if that happens. 

PLEASE HELP US. NationStar continues to push this auction as a necessity per the investor on the loan, yet wo n't disclose who the investor is. This refusal, combined with past experience, makes me believe that there is a XXXX party auction company that would be making a premium once the property is listed for auction, and this is not an investor requirement at all. It is completely beyond reason why they can not review this offer vs. the XXXX value they have. 

HELP! 

XXXX XXXX XXXX XXXX License # XXXX & XXXX XXXX XXXX XXXX XXXX
XXXX  and TransUnion deleted Information and put it back on my Credit Report. I filed a complaint with you all back in XXXX regarding the same thing. XXXX Im filing another one and hope that this can be resolved.
I am in the midst of a very difficult divorce. I was left with XXXX college aged children. My mom had just died and her house was destroyed by a burst pipe last year. During this time, I accrued a medical bill which I felt was unfairly inflated. I put it aside and forgot to address it due to my overwhelming present life situation. A few months ago, I tried to contact the now debt collector after trying to discuss the bill with the doctor 's office first. I am willing to pay the original amount for the medical bill but not the huge debt collection add on. Nobody is willing to comply. The original bill is for {$220.00}. The visit did n't even actually help. The original problem that I went there to be treated for still exists. The agency is asking me for {$310.00}. I refuse to pay extra {$91.00} for the collection fee. I need help with this. I feel helpless and I am trying to do the right thing even though I feel the original bill itself was inflated.
I took out a short loan {$670.00} to date I have paid over {$1400.00} I feel the APY of 400 is usery. I sent them a letter saying I want them to consider my loan full paid. The continue attempting ACH withdrawals causing me bank fees. i need this stopped ASAP. 
The lender is Check N Go XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX