WillisBack/dataset-financial-user-claim huggingface dataset:
I have contacted TransUnion several times via phone online, and via first class mailings on many occasions in regard to an account that is reporting inaccurately. I get the same results each time and I have had it, it makes it look very bad on my credit report and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking my credit. I have disputed and reached out to Transunion several times and they say the same thing over and over. The companies either need to provide proof of validation that this account is charged off or this account needs to be updated appropriately as Paid in full satisfactory. I've called Transunion and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following account is what is being reported : ( XXXX XXXX XXXX ) # XXXX. I have even sent Transunion copies from XXXX showing that they have this account reported accurately as paid satisfactory and that TransUnion keeps saying verified. How can they all be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect.
Continential finance Debt collector, is threating to garnish wages, take me to court, they have been calling my phone resticted. 
I have not been served, and have not received any settlement bill from them
XX/XX/2018 Transunion put a deleted account back on my credit when it should be deleted dropping my points down XXXX points
On XX/XX/XXXX I received a phone call from XXXX XXXX from XXXX XXXX XXXX XXXX regarding legal papers that would be sent to my home for my signature. She then proceeded to tell me that my XXXX XXXX XXXXXXXX would be affected because I defaulted on a payday loan. She also asked questions about my vehicle and whether or not I still owned it. 
I got the same phone call again on XX/XX/XXXX making the same threats.
My credit report for both XXXX and Equifax are showing old high balances on several accounts that are showing I either paid off or there is little to no balance. This is impacting my credit score because it is showing I have several high balances and this information is not being updated properly. For example I used XXXX and had a high balance of {$3800.00} in XX/XX/XXXX. I paid off the credit card on XX/XX/XXXX and its still showing a high balance reported in XX/XX/XXXX.
The company below calls me everyday and late night and sends letters threatening I pay this debt. I told them its not mines. They said its me and I must pay it. 


COMMONWEALTH FINANCIAL XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Collection Department / Agency / Attorney Collection Account Collection Account Account Status : Closed Closed Open Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$550.00} {$550.00} {$550.00} Terms : 1 Month High Balance : Limit : Past Due : {$550.00} Payment Status : Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Unpaid Comments :
Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XXXX/XXXX/XXXX : XXXX  XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at ( XXXX ) XXXX-XXXX. Sincerely, XXXX XXXX SSN XXXX DOB XXXX/XXXX/XXXX
I have made several attempts to dispute inaccurate information on my Experian Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. 
I have also reached out to XXXX XXXX XXXX and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is XXXX XXXX XXXX Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. Experian has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.
In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.
I took out a Best Buy/Citibank Platinum VISA Card a year ago. This card is a combination Store Card and also General Usage Card. When I first applied for this card I was provided misinformation by the Best Buy Store Staff. I am now being charged a monthly APR Interest Rate of 28 % and my required minimum monthly payment continues to rise along with the interest rate. To top it all off ... whatever I do pay per month ( well over 100 dollars ) does virtually nothing to bring down the balance. I fear this is a scam and that this is a trap credit card. I called Best Buy and they told me that they have no control over the practices of Citibank. I called Citibank and they were direct and rude with me ... even though my account is current. They outright refuse to negotiate the Interest Rate and tell me it can never be done. I know this is a lie. Their excuse is that this is a Store Card ..., but it isnt just a Store Card ... it can be used anywhere for General Purchases. It just has a Best Buy logo on it and Best Buy Store Purchases are at a lower interest rate than General Purchases. So they are not telling the truth about the card. I want them investigated for misleading and lying to consumers. I want them investigated for trapping customers into a deal that they cant get out of without falling into further debt, debt collection, or even bankruptcy. Again ... none of this was explained to me by Best Buy Staff. They never told me I was going to be charged almost 28 % interest either. Very little if anything was explained to me. The only thing they kept pushing was 0 % interest for the first year. But thats not true either. Theres no interest for the first year on general purchases ... but after a year they apply BACK interest on those purchases without notifying you prior to signing. Then they refuse to negotiate anything related to interest. They also do not tell the consumer that there is a {$69.00} annual fee for having this Credit Card that applies yearly. This is loan sharking ... plain and simple. Theyre lying to people and keeping them in debt to them forever. I havent used the card in one quarter of a year now ( 3months ) and Im making a forced minimum monthly payment of {$140.00} .... and my balance is still {$3800.00} because the interest is {$70.00} a month. At this rate I will never pay this card off again unless I come up with the entire balance. This is so sad that people are being trapped like this. I do not recommend any credit cards from Citibank ever again for anybody ... including and especially Best Buy. I have 5 other Credit Cards. This one is the only one I am having such problems with. Thats how I know Citibank is not being truthful or fair with consumers.
I have been a customer of capital one for 10 years. I was told when I opened the account I would receive a increase which would help build my credit but have yet to see either I 've applied for a increase several times with no results. I know multiple people who have gotten there credit limit increased within a few months of opening there accounts and I have n't got one in the 10 years of opening mine
I have XXXX primary forms of Health Insurance and was told XXXX XXXX XXXX XXXX XXXX XXXX accepted and would process my claims thru each of the health insurance companies. I have contacted XXXX XXXX several times and received XXXX cooperation from administration. All Items and equipment was returned and no longer deal with this provider. I have found a medical provider that has accepted my XXXX and XXXX as full payment! Please contact me if you have any questions. Thank you.
My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!   LPSG the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my LPSG. They kept running me in circles ...
For more than a year, the XXXX XXXX XXXX XXXX   website/XXXX XXXX XXXX website has not opened without problems. It has taken roughly 20-50 minutes each month for this website to open when it would open. Trying to pay my mortgage online from a device at home has been extremely difficult and time consuming, and sometimes, it was not possible to pay my mortgage online at all and I became late in payment because of their dysfunctional website. I spent about 2 hours on the phone with customer service over the course of several months trying to resolve my issues with their website not working. I used several different devices, browsers, and operating systems. 

Last month, I became unable to login to my mortgage account at all. I called on a Saturday morning at XXXX XXXX for assistance and was told that the mortgage division was n't available. On a weekday, shortly thereafter, when I could get away from work obligations for a short time, I called an " escalation expert '' about this. She said this was a known issue. She said that " a lot of people were having this problem '' and she took me through several steps to try to resolve the problem as if this was an issue she dealt with regularly throughout the work day. She mentioned things like, " usually this works, your last reset was in XX/XX/XXXX which was before we ..., so you will require a reset to be able to access the system ... '' It was very obvious from talking to her that she did this several times a day and that this was an issue PHH was well aware of that was impacting many, many customers ability to access their accounts online. ( Their phone system states, press XXXX to reset your account, press XXXX for everything else ). These steps still did not allow me to login. I was on the phone with her for about an hour. I eventually, had to go back to work or lose my job, so I had to end the phone conversation before my issue could be resolved. 

I called again on XX/XX/XXXX and spent another hour on the phone with XXXX XXXX who also could not resolve my login issue after several attempts. XXXX confirmed that I was charged at least one late fee and that I do not have a flawless payment history. This should not be the case. I have attempted to pay my mortgage on time every month, however the website did not always allow me to login. 

In XX/XX/XXXX, it is reasonable for a consumer to expect to be able to login to a creditors website and pay what is owed online monthly within 3-5 minutes successfully without issues once their initial login is created and working. Each time, this dysfunctional website blocks me from being able to make a payment online, I am incurring interest charges for the unpaid amount. This is what I am most upset about. PHH Mortgage Services prevents me from making a payment online, then they profit from that fact by charging me a late fee and additional interest.
Looking over a credit report from XXXX, I saw that there was an address included that was incorrect. I believe I reported that to XXXX, but when I recently received a credit report from XXXX, it had the same address included as a past address. 

Both of the companies had also included a previous address that WAS correct, so I think one address was simply entered in error at some point. I just want that address deleted from all credit reports. 

The address that is incorrect is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA, XXXX The correct address that both of them already include is : XXXX XXXX XXXX XXXX. 

So just remove the one starting with XXXX. 

THANKS! 
XXXX
I have verbally told the loan company to stop calling my place of business as it will interfere with my job. They have not ceased their calls. Instead they call and hang up if i answer. If another coworker answers they tell them that they are calling to garnish my paycheck.
I wrote a certified letter which was received by TransUnion on XXXX XXXX, 2017 at  XXXX XXXX. I will include my USPS certified mail receipt for delivery proof. It has been well over 30 days and I have received no reply. At this point, by law they are required to DELETE the 2 accounts in questioned. ACCOUNT # 1 : XXXX XXXX XXXX # XXXX and ACCOOUNT # 2 : XXXX XXXX XXXX # XXXX. 

My next step is to take TransUnion to court for violation of the FCRA. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the  UNVERIFIED items are not deleted immediately. 

I will include my first written letter to TransUnion and also my last attempt letter to have these items removed. With the recent data breaches with XXXX, I would think TransUnion would take this matter more serious.
I have tried to correct this numerous times with XXXX XXXX as well as clark county collections to no avail. I was looking closer at the paperwork clark county collection sent me per my request, and on top of it not being my account, it has being grossly re-aged to suite them. according to them I was in XXXX XXXX until XX/XX/XXXX, and I had an account with XXXX XXXX which I didn't, now they reaged the account to the time when they got ahold of it in XX/XX/2016 which is highly illegal. they feel like they can do what they wish with consumers and get away with it because they have the credit bureaus in their pocket. this is the last time I complain about this on here and seek an attorney if I have to. I need trans union to look into this correctly instead of just asking clark county collections if it is correct.
I moved to the USA in XX/XX/XXXX, and subsequently opened a Bank of America credit card account in XX/XX/XXXX in order to start building credit in the USA. In XX/XX/XXXXI made my last use of the credit account but decided to keep it open to help build up my credit. Since XX/XX/XXXX I have not used this line of credit. As I was no longer using this, it took me some time to see that an annual account fee had been applied to my account XX/XX/XXXX. I first noticed it in XX/XX/XXXX ( XX/XX/XXXX or XX/XX/XXXX ) and immediately paid it off. This fee was n't clearly communicated to me at the time of sign up and so this came as a surprise. I was never alerted that there were any late fees. I have attempted to talk with representatives from Bank of America saying that the several {$1.00} fees are misleadingly showing I was delinquent on my credit card. They acknowledge that the annual fee may not have been clearly communicated to me but are being completely unreasonable in removing them due to their miscommunication. These {$1.00} fees are extremely negative on my credit report and are indicative of their poor process rather than my ability to make good on credit. I have zero late payments on any of my credit lines and always pay down my balance in full. I would like these to be removed from my credit history as it is misleading to future creditors.
Bank of America is a third class bank Recieved a call from XXXX XXXX 10 days ago and she said she we will solve the problem together. 

She sent me an email which mentioned that I will not be able to reply to the email but can call her on the number provided, I was not able to call her on the number provided from my regular phone, had to borrow a long distance calling phone from my friend, I called XXXX at least XXXX times, left her ample amount of voicemails but there is no response from her side. 

Bank of America is not solving my problem, from last XXXX week I am trying to file a fraudulent claim of {$410.00} which was charged on my card ending in XXXX on XXXX/XXXX/XXXX, I spoke with XXXX different supervisors ( XXXX was XXXX ) and with XXXX others on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX respectiely. XXXX told me that this claim was filed, but it was never filed. Bank of America has very unprofessional, unfriendly staff. XXXX supervisor says something and the other XXXX says something else. Please solve my problem and ask Bank of America to give me a credit of the charge I never made. thanks
XXXX has been non-compliant with removing the unverified account SYNCB/JC PENNEY DC Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that SYNCB/JC PENNEY DC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
I have had a Home equity line with Regions Bank since XX/XX/XXXX. I decided to close the home equity line because they were charging me {$50.00} fee to keep it open. They sent this charge to their collections and reported it to the credit agencies after they gave me a written promise to wave off the balance to this fee back in XX/XX/XXXX. The letter was from XXXX, senior Vice President for collections- XXXX. This has affected my credit score ( XXXX to XXXX ) negatively. I have been to the XXXX Branch of Regions twice and each time they promise to close the equity line. I have called XXXX and disputed this late charge. 
One another note they did not report interest on my mortgage to the IRS in XX/XX/XXXX only send me a letter in XX/XX/XXXX that they had made this mistake.. I had get my accountant involved because of their mistake.
I have been informed that I was potentially impacted by the Equifax 2017 security incident where my information may have been stolen via website vulnerabilities.
I am furious that a company that I can not limit information sharing from has handed over my most sensitive and personal information to hackers and has not protected it adequately. I 'm further outraged that this appears to impact a significant portion of the American public, not just an isolated incident! 

I demand that Equifax provide lifetime credit monitoring services without asking that I surrender my legal rights through arbitration clauses.
I have filed several disputes with XXXX and Equifax for Maryland State Tax Liens. I was able to obtain lien releases for both tax liens for XXXX and XXXX, which should have been removed in XXXX and XXXX respectively. The credit reporting agency refused to remove these liens, reported incorrect account and case numbers, and court information on the reports. When I called the number on the credit report, the information is not verifiable and I was told that this information does not exist. In essence, the credit reporting agencies are " rubber stamping '' invalid and incorrect information without confirming the validity of the liens. The courts do not report to the credit reporting agencies. Also, these liens are over XXXX to XXXX XXXX XXXX, well beyond the age limit for credit reporting. This has caused financial distress and caused me to be denied for Home Equity loans, mortgage loan modifications, student loans for my children, and other consumer loans. This has adversely affected my FICO score.
I applied for a credit card from Bank of America and they denied me credit saying that I have a past due account with them and XXXX of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.
Nationstar Mortgage owes me surplus escrow from XX/XX/XXXX.They are charging me escrow in XX/XX/XXXX. I have paid my insurance for the year directly with the carrier. 
Attached are coverage for the years they dispute that I had insurance and copy of insurance paid.