WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion has not done the required due diligence in collecting valid notarized documents from collection agency XXXX XXXX to assure and prove a claimed debt collection belongs to me and provide accurate information on my credit report. Thus Transunion is guilty and libel of defamation towards me by using fraudulent documents to calculate and negatively impact my FICO credit score. Also when I sent Transunion personal documents to validate my identity and current address, they shared these with XXXX XXXX without my permission and have thus compromised the security of my identity and put my personal well=being at risk.
I ordered a pair of boots from an online merchant which I never received. I followed up with the merchant many times and then realized it was a scam. I disputed with my bank, BOA, and they refunded me the total amount, {$150.00}. I was told by the associate that this happens a lot and it would be no problem. About a month later I received a letter from BOA saying that the transaction occurred more than 60 days ago so they would be reversing the refund. I was never told by the first associate that the date would be an issue. When I called in to inquire I was put on hold for 23 minutes and then told that there was nothing I could do that the money would be taken out of my account. The associate said, " we 're a bank and we like money, so if there 's anyway to keep the money we are going to ''. He had someone whispering to him in the background on what to say and was not very helpful. At the time the claim was filed, BOA knew it had been past 60 days since my original transaction and should be more upfront about the process. I feel like I am losing the {$150.00} all over again.
On XX/XX/XXXX my friend had attempted to send {$1600.00} to my Coinbase account from XXXX Bank in XXXX. Because the name on the bank account and my Coinbase account did n't match, the wire was reversed. That same day I received an email from Coinbase notifying me of this issue and informing me that the money had been sent back to XXXX XXXX. Today it is XX/XX/XXXX and the money has still not been received by XXXX XXXX. I have attempted to reach out to Coinbase regarding this issue a few times and have not received any reply.
On XXXX XXXX, XXXX, I initiated a refinance application via the usaa.com with USAA. I have banked with USAA for approximately 10 years. I have all my banking and car/home insurance with USAA. I wanted to refinance my existing loan with XXXX XXXX to apply for greater discounts and to consolidate my credit card debt into my mortgage for a more manageable payment. I owe approximately {$86000.00} on my home and it was appraised by the contracted USAA appraiser for {$160000.00}. I was going to refinance for {$120000.00} which is 73.8 % of the value and well within the normal range to request a refinance. After spending over an hour on the phone with the Mortgage pre-qualification, I was emailed several documents to e-sign. I signed everything and was then handed off to XXXX XXXX on XXXX XXXX, XXXX. 

For the following 18 days, I was repeatedly harassed with requests to provide narratives, documentation of income, and then more documentation supporting my narratives. I provided an unofficial transcript to prove my time taking classes 2 years ago, I was asked for my monthly income from 2 years ago, I was asked for a copy of a lease I had, on and on even questioning my daily commute to work, until I finally gave up and requested that the application cancelled on XXXX XXXX, XXXX. XXXX again ignored this request and assured me that the underwriters boss and his boss were now reviewing my loan application, but that they again needed additional income verification! I responded that if I had additional income that he/she would have known because I would have provided it several weeks ago at the initial request. 

Towards the end of the 18 days of harassing gotcha inquiries and prior to requesting the application cancelled, I had requested of XXXX XXXX to refinance through HARP and each request was ignored like I had not even mentioned. I complied with every request for 18 days, until the " underwriter '' asked again for additional income verification! The requests were so ridiculous and frustrating that I can only assume the Mortgage division uses this tactic to underhandedly discriminate against single females without a dual income. I have a good credit rating, never been late on any payments and as mentioned, have {$82000.00} of equity in my home. I 've lived in my home for 10 years. I make over $ XXXX, which is more than enough to manage a {$120000.00} mortgage. 

I refinanced my house through HARP to a XXXX mortgage in XXXX so I know the process to refinance is not as grueling as USAA 's mortgage division imposed. The refinance I did in XXXX was closed in a matter of weeks and NONE of my statements were scoured for dishonesty. 

I have all of the supporting emails for my claim of gender and income discrimination in Mortgage Lending against USAA.
I SENT A CERTIFIED TWO CERTIFIED LETTERS TO CHASE FOR A CREDIT CARD DEBT THAT HAS BEEN REPORTING ON ALL THREE THE MAJOR CREDIT BUREAU 'S. THE, IN THE AMOUNT OF {$2200.00}. THE ACCOUNT NUMBER THEY ARE REPORTING SHOWS AS XXXX. 
THE FIRST CERTIFIED LETTER ASKING FOR VERFICATION OF MY SGINATURE WAS SIGNED BY CHASE ON XX/XX/18, THE SECOND CERTIFIED LETTER WAS SIGNED FOR ON XX/XX/18. I RECIEVED NOTHING BACK FROM CHASE EXCEPT FOR STATEMENTS, THERE WAS NO VERFICATION OF MY SIGNATURE. THEY DID NOT PUT A DISPUTE NOTE ON MY ACCOUNT WITHIN THE 30 DAY PERIOD AS WELL. 
ALSO THEY ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. 
PLEASE SEE THE FOLLOWING VIOLATIONS BELOW : VIOLATION OF SECTION 609 OF FCRA, SECTION 623 ( A ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 ) BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.
I have repeatedly requested Experian Consumer Assistance to remove a " XXXX XXXX '' who social security is quick different my my own, which is constantly hindering my credit approach to a better life. XXXX and XXXX got it right, still Experian has failed to correct the problem. See attached 8 page credit report.
I keep being charged overdrafts after I cover the overdraft before it posts. The bank ( wells fargo ) posts it the date it was presented not the day it cleared and charges me overdraft fees
Halsted called, asked for me, recording stated they were trying to collect a debt, press XXXX to speak with someone. I then spoke with " XXXX '' and he asked to confirm my name, I did, then he asked for the last XXXX of my SSN, at which point I stopped him and told him that before we go any further I wanted the full name of the company and their mailing address as required by law. He said he did not have to provide me anything unless I gave hime my last XXXX of the SSN. Again I asked him to comply with the law and give me their mailing address and told him not to call my phone number anymore. He said he did n't have to do anything and hung up. I do n't owe anything, I wanted to send them a cease communication letter. I also believe they spoofed their calling in number.
On several occasions while trying to pay my bill last XXXX ( 2016 ), Chase lost my billing information and it resulted in interest charges and late fees. There was continuous communication on my behalf as the information that was provided was inconsistent amongst different entities of Chase. I was told it would not be reported to the credit bureau 's and would be noted as I was also a victim of identity theft. Chase continues to address that I did not contact them in regards to a sudden address change or lack of receiving of a card but I did. In fact, my card number was compromised. On several occasions, I went to the branch to address this issue as Chase did not via customer service. Ultimately, my balances were paid off and I was dismissed due to " bank policy '', but ultimately I feel the reason is because of the lack of ethical business practices and the poor documentation. In one incidence, I was charged interest/late fees and it was reported to the credit bureau even though Chase had my payment info and the representative just did not submit it correctly. I feel that the indication only my report as my account being past due or late should be corrected at any rate. In addition, any late charges that were charged or indicated on my account should be reviewed individually as Chase failed to follow proper bank procedure and business practices when contacting me and/or communicating me with such sensitive/important information. This specific to the account ending in XXXX. This is my second inquiry.
My account with Miss managed by reps causing me to be further behind affecting my credit report when I was told different by reps that claimed I could make arrangements to avoid going negative on my account when I was not able to afford to make a full month 's payment. When I unexpectedly went into collections for my loan I was surprised I was assured I would be in good standing then when I called in to address the situation I was yelled at, I was contradicted and I was asked " my version '' of the events when I confronted the ref who had made the mistake he said quote he works so many accounts I ca n't really recall what happened
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never enter into a contractual agreement with this company and neither have they ever provided me with goods or services.
My account has been delinquent for a couple of months. As I was trying to see what to do to settle the account, I realized that the minimum payment is {$310.00} while the amount due is only {$690.00}. There is no explanation as to why the minimum should be almost half the amount due. I want to be able to settle the account but need them to give me a reasonable minimum payment and explain how they calculate their minimum when payments are missed.
I inquired about a HELOC and was very specific thats all I wanted. XXXX XXXX XXXX representive XXXX XXXX asked permission to run my credit. He then informed me that I did not qualify for a HELOC. they do not offer that product except to XXXX customers. This was not mentioned until after my credit was run. He then proceeded to attempt to sale my on a very expensive VA refinancing. Using faulty comparison in interest that did not take into account all variables. He focused on the non deductible mortgage insurance rather than the presenting me with an over all picture of the total cost. 

I complained to the companies complaint department about running my credit under false pretenses. They refused to remove the inquiry. 

This was a bait and switch attempt from the start. Had they mentioned they only offered HELOCs to XXXX customers I would have simply moved on.
We simply want this mistake removed from our credit report as they are acting unreasonably in regards to our complaint. 
We had a vehicle loan with Ally Financial financed on XXXX/XXXX/XXXX. We have paid all monthly {$940.00} payments online. We have never been late beyond our grace period with any of our XXXX total payments made to Ally. Our last monthly payment to Ally in the amount of {$940.00} was made online on XXXX/XXXX/XXXX at XXXX pm. Our personal Ally Financial " dashboard '' where payments are made online, said in bold XXXX letters " Next Payment : {$940.00} XXXX XXXX : XXXX/XXXX/XXXX ''. We complied as usual and made our XXXX payment to Ally on time ( XXXX/XXXX/XXXX ) within the allotted grace period. 
We are in the process of purchasing a house. Our lender was finalizing papers when it was brought to our attention that our XXXX XXXX had dropped XXXX points due to an apparent late pay on our Ally Financial vehicle loan. This apparent " late pay '' is described above. In order to proceed with our house purchase, the above must be resolved in a timely fashion and removed from our credit report. 
We contacted Ally on XXXX/XXXX/XXXX to resolve the mistake. " XXXX '' from branch XXXX collections was able to confirm that our payment was indeed made on time and " was not late. '' He was not able to send me an email or fax to show my lender his findings, however he was able to " send a billing statement via mail '' which should arrive within XXXX weeks. We requested to be transferred to someone higher up that would be able to get us something on paper clearing up the mistake, that day, whether it be by fax or email. We were transferred to " Shy '' in consumer solutions. She was of no help and said we had to file a credit dispute which would take a month. 
We will lose our contract on our new house by the time they are able to clear up their mistake and have this incorrect negative removed from our reports. 
We went to our credit union immediately, the same day and refinanced this auto loan to avoid any further " issues '' with Ally.
I contacted my lender ( Navient ) to change my income-based repayment plan. My original monthly payment was {$520.00}, which is not sustainable when my cost of living is considered. I pay over {$1000.00} in rent monthly not including other bills that I am responsible for paying. I was told by a Navient representative over the phone that I would need to re-submit an income-based repayment application with proof of income again. The customer service representative then stated that I would have to call back once they receive the application and I would then have to pay approximately {$1500.00} in full or I could submit a partial payment and go into forbearance for the rest until my new payment plan is in place. I can not afford to pay such a large sum of money all at once and should not be penalized for that.
Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to XXXX and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to XXXX 4 years ago
I inherited my mothers house when she passed in  XXXX   XXXX . I have since been trying to assume the loan and the bank will not talk to me because I 'm not on the loan. I have submitted all the documents i.e. death certificate, will and probate papers from the court as well has the executor has contacted them also. I have been trying to deal with this for over a year..I have been living in the residence and paying the mortgage on this property since  XXXX  in  XXXX   XXXX  I was laid off from my job and called the bank to make payment arrangements but again the bank wo n't talk to me since i 'm not on the loan. They keep telling me they are reviewing my paperwork. Now they sent foreclosure papers and I am still trying to get resolution I contacted their attorney the beginning on  XXXX  and they gave me the number for the home preservation dept. and I am now going through the same hassle all over again. I never talk to the same person it 's always someone different and I have to explain the whole story every time its like the first time I talk to them every time. Since  XXXX   XXXX   XXXX  I have tal ked to 3 different depts and 6 different people I was told I have a representative to handle my situation but I can never talk to that person nor have they contacted me.
I spoke with XXXX XXXX in XX/XX/XXXX to try to resolve an issue with several derogatory late payments from XX/XX/XXXX-XX/XX/XXXXthat are being reported to the three major credit bureaus. I mailed my payments for XXXX XXXX on time. I normally do not mail payments, but because XXXX XXXX was confusing my XXXX XXXX debit card with my XXXX XXXX credit card, I decided to mail in the payments so there would not be any confusion and I could make sure that the account was paid in full and on time. I've attached a copy of one of the checks that was transferred to ACH by Target in XX/XX/XXXX, which is one of the months that is marked as derogatory. I spoke to XXXX XXXX   about resolving this and they explained that they could not remove any errors unless it was their error. As you can see by this one example attachment in XX/XX/XXXX, the error was on their end.
I disputed this negative information XX/XX/2016 its has past the 30 days investigating therefore the XXXX Collections should be delete, my file number Confirmation XXXX # today date XX/XX/2016
i was charged on my credit card by a XXXX for a XXXX i did not want or was informed about, i put the charge in dispute with capital one and thye did nothing to help it i was also injured by the XXXX and had to seek medical care i disputed the charge and they found in the XXXX s favor even though i sent them a mountain of evidence that the XXXX is a a thief
It has taken 9 months ( and counting ) to resolve a simple fraudulent charge dispute, which is not an acceptable business practice from my perspective. 

Upon discovering a fraudulent charge on my credit card ending in XXXX on XXXX XXXX, 2015 in the amount of {$350.00}, I submitted a dispute ( case XXXX ) and replaced my card. 

Although I was told that the disputes and security departments would follow up, I did not hear back from Barclaycard and had to call back on XXXX XXXX, 2015, I spoke with a phone agent ( XXXX or XXXX ), who informed me that my account ending in XXXX would be credited within XXXX hours. 

I have neither received a credit, nor have I used my Barclay credit cards until this dispute is fully resolved. 

I am looking for immediate resolution of this issue and disbursement of {$350.00} plus interest accrued during the 9 months of this dispute.
Experian, XXXX and XXXX released pretty much all of their data due to horrible, out-domed, and just plain negligent database security practices. This affects almost every single adult American, including my husband for sure, and me almost definitely. They are not really sure when this hemorrhage of data occurred, and they certainly were n't quick about letting me know. I 'm not sreally sure what this means for me and my family, but I know it is n't good. 

I want them to be held responsible for the damage they have caused. I would like them to implement fraud prevention on ALL accounts forever. This should be the baseline level of security, not the step up. Our credit reports should not be something that are 'easy ' for a company to ask for and get. In fact, I 'd prefer to see this information available to banks ONLY.
I was locked out of my XX/XX/XXXXaccount on XX/XX/18. I waited a while since this usually clears up on its on but it did not. I called customer service and he told me he could not help me. He said he would send an me an email in which would explain how to get in touch with the appropriate department. I never received an email. I logged into my Coinbase app on XX/XX/18 and tried to buy some BTC. It prompted me to verify my identity, which I had done months before. I followed the process and received an email stating that I had been verified. But when I tried to make a purchase it gave me the same error. I verified again and received an email confirmation. But the app still said that my Buys had been disabled. I received the same message on the website.I contacted customer service who verified that I can not make purchases, but could not tell me why. She said she would escalate it and that was all she could do. She said someone would contact me shortly. Meanwhile I have USD sitting on XX/XX/XXXX that I can not access as well as roughly ETH and BTC. I would like to access my funds immediately but can not. I have heard numerous complaints from customers stating it took months and still no response from Coinbase. This is unacceptable.
Capital One closed my credit card account without my permission. I recieved a call today saying someone called previously and requested my account to be closed. I do not understand why my account would be closed without my permission and without contacting me. The lady I talked to said she was calling to clarify why it was closed and kept saying I requested it to be close. I told her that was not the case and that I did not request the account to be closed but she would not listen to what I was telling her and just kept repeating that I had requested the account be closed which of course I did not. I could not seem to get her to understand this and she eventually hung up on me. I have never seen customer service like this. I do not appreciate Capital One taking liberties with my card and closing it without my permission.
XXXX I disputed this account about charges that they told me they was going to look into. I call time after time and they told me some one would get back with me. 
I wrote and disputed this account with 3 letters before it was turn over to collection and disputed it with no follow up on there part and mailed 2 letters disputing the account. And was talk to crazy on the phone and threating me to pay them XXXX XXXX. 
I 'm also being talking to some one of my legal rights rather to sue and show documents to the account or resolve it.
Due to illness I was out of work and missed three car payments, I called Nissan to tel them I would be late and then on XX/XX/XXXX they reposed the car without any notice. I have been trying to make an arrangement with Nissan. THey want me to pay XXXX to recouperate the car. I would like to pay the unpaid balance due of XXXX and all associated fees XXXX in late charges and XXXX in repossession fees totaling XXXX and regain possession of the vehicle and continue to make my monthly payments. I have been a Nissan customer for 3 years and never had late payments until now. I received a letter that stated I have until X/X/2017 to resolve this matter but I believe I have 20 days from the date of repossession. I just want to work this out with Nissan.