WillisBack/dataset-financial-user-claim huggingface dataset:
I have worked with transunion several times and had the same information removed. I pay my bills on time and there were no late payments. all inquiries were for the same purpose ( but they refused to count them as a single record. Ihave no negative marks on my report and my oldest account on tu WAS from 1997 which was removed recently so it looks as if my credit history is shorter than it actually is. when I apply for a loan tu will intentionally lower my score. This has gone on for years and when I call in to dispute items on my report I am told they only have to follow their rules. this is not my first complaint to be filed with you. I recently asked tu to remove late payment information they claim was reported to them by XXXX XXXX /XXXX, an inaccuracy they reinstated only after I started looking into mortgage loans. 

I would like to have all inaccurate information removed from both my credit report and my credit file. 
I would like some protection against TU reinstating this information again. 
I would like to have a clearly defined timeline that states what is considered to be a new account for example ( 0-12 months ) and what is considered to be a short credit history for example ( 1-10 years ) short ( 10-15 years ) intermediate ) and so on. 
I would also like outcomes listed of any credit inquiry so it shows if an offer was made and if not why not. 
I would like it to be a requirement for anyone who pulls a credit report to furnish a copy of the report they pulled including the report number to the consumer and not tell them they ca n't do n't or wo n't because it is not their policy. 
I would also like fines imposed if a consumer can prove the any information that was previously removed has been reinstated.
On or about XXXX, I accidentally locked my COINBASE account. I have had no access to my account or my money since that time. I am completely locked out and have submitted a case file for help. I have called 4 times since then and each time I call I am assured my case is being escalatedand to please be patient and wait for a response.. I have repeatedly submitted my DL and selfie photo numerous times, and each time the identification software rejects it. I need someone to help me regain control of my account.

I can not file taxes until I can access my account and have no means to see what has occurred with my account. PLEASE HELP!! The promises I have been given that this will be rectified have all failed. I am at my wits end and am in desperate need of access to My Money!!

This is inexcusable and there should be a laws that protect investors from non-responsiveness. I am completely at the mercy of Coinbase and then are not responding. 
I need to file taxes!! 
I need my money!! 
I need legal assistance. 
HELP!!
On XX/XX/2018 I sent a request to dispute a dent I found that was being incorrectly reported on my credit reports. I requested information proving I owe the debt and received a simple letter head letter from CKS the amount I owe and nothing proving I owe the debt or any signed account information the debt even belongs to me. I requested this information. 

On XX/XX/2018 I sent a second request for the same information requesting signatures and more information from the original creditor being I never received my original letter to dispute this debt prior to reporting within 30 days as allowed under the Fair Credit reporting Act. 

I'm not getting any response to validate or prove I owe the debt.
LETTER TO COLLECTION COMPANY DESCRIBING SITUATION : Dear XXXX XXXX XXXX , XXXX : This is to serve as formal dispute of charges on Original Account # XXXX with BMW Financial Services NA LLC and your Account # XXXX regarding an Automotive Deficiency in the amount of {$14000.00}. This account is invalid, and this is a formal demand that said account be voided and closed with report of illegitimate debt to all credit bureaus effective immediately. BMW Financial Services NA LLC ( henceforth BMW Financial ) negligently handled said account and caused XXXX XXXX XXXX XXXX hardship during the attempted sale of her lease as well as refused to cooperate with XXXX XXXX in her attempts to satisfy the debt therein. XXXX XXXX attempted on multiple occasions to sell the lease on said account through various costly means from her own funds. XXXX XXXX had on numerous occasions contacted BMW Financial to obtain assistance in sending vital documents to the purchaser of said lease account, three separate purchasers, and encountered costly delays as well as poor customer service on part of BMW Financial. This negligent handling of the transactional process cost XXXX XXXX the sale of said lease account on each occasion due to the purchasers not trusting the process. XXXX XXXX was completely cooperative with BMW Financial through consistent communication and follow up. XXXX XXXX, upon seeing that BMW Financial would not assist her in any professional manner regardless of how many attempts she would make to sell said lease account to satisfy her debt with BMW Financial, felt bullied and trapped by BMW Financial ; and therefore, XXXX XXXX turned the vehicle attached to said lease account in at a local BMW dealer as advised by BMW Financial. BMW Financial was only cooperative with XXXX XXXX at that time when they advised her how to turn in said vehicle. This process on the part of BMW Financial led XXXX XXXX to believe they wanted to trap her into doing same. XXXX XXXX cleaned and detailed said vehicle at her own cost and transacted the return with courtesy and professionalism, which was completely opposite of anything she had encountered with BMW Financial. The debt being discussed herein would have easily been satisfied had BMW Financial cooperated with XXXX XXXX on her numerous attempts to satisfy said debt with BMW Financial. BMW Financial should be ashamed of the way BMW Financial representatives negligently handled XXXX XXXX account, continued to harass her through attempts to collect on this illegitimate debt, and smeared her reputation with said potential purchasers and other known associates of XXXX XXXX causing her punitive stress and damages. XXXX XXXX will be forced to take further action with the XXXX XXXX XXXX, social media outlets, news media outlets, as well as legal action if BMW Financial does not void and close any and all attempts to collect on said account as discussed above. 

Signed,
I received an email approximately 3 weeks ago stating that a loan for {$3400.00} was taken out in my name at Check n Go. I never applied for this. I called the company. There are XXXX sections within the company : the website and physical stores. The website had no record of my information. They claimed they were unable to look up my information within the store portion. There are no Check n Go stores in New York State where I reside. I filed a report with XXXX as they said to do. No one has followed up with me. I am now receiving emails that I owe {$470.00} on Friday.
XX/XX/2018 I sent a Cease and desist letter to the company requesting to cease all further communications. 
Today I receive a collection notice from the company
I have been trying to dispute transactions I made over product that was not received and/or not as described. I went to Chase to dispute these transactions, but they keep telling me I need to prove that I have not received the product. I am perplexed as to how they expect me to prove this and even more so as to why they have not so much as tried going to the company that has n't sent me my product and asked them for tracking numbers, which the company has refused to provide me. I have been with Chase and never have they done such an outlandish thing. I paid for product that has not been sent out for months now, how is there a question about my charge back? And also, why is my dispute circling around Chase and not being brought to the company of which I am disputing charges?
I have been attempting to lower my repayment amount or get it deferred through the Navient website since XX/XX/XXXX but it was denied by them. When I asked they said that I needed to be working 30 hours a week in order to qualify for any of the programs. I submitted the paperwork showing I was working 30 hours a week but then never heard back from them. I did n't want to ruin my credit so I made three months of full payments but considering this three months was about 10 % of my income for the year ( {$1000.00} when I made about {$XXXX} ) I found this to be especially burdensome. I found out today none of that was true and I should have been filing under the FSA which Navient never told me.
I made a phone call to Delta Management Associates to inquire about the status of a loan rehabilitation application. The call was placed on XXXX XXXX at XXXX. While I was trying to obtain information, the Delta representative I was speaking to, a male with a southern accent, muffled the phone and started making jokes and laughing with a colleague. Based on the flow of the conversation, it can be safely assumed that he was making fun of the issues brought up during my call which constitutes abusive behavior and language. Abusive language does not need to limit itself to obscene language - it can also apply to tactics made to mock, diminish or otherwise ridicule a consumer. I felt ridiculed and his behavior was highly inappropriate. I requested to speak to another customer service representative and was transferred over to XXXX XXXX, who handled herself in a more professional fashion. This representative 's behavior was unacceptable and needs to be addressed promptly.
I have a credit inquiry dated XX/XX/2017 from CARMAX that I did not authorize.
A Paypal credit account was opened in my name and charged {$220.00}. When I informed Paypal, they asked me to send an affidavit. After sending the affidavit, they rejected my claim- and I am still being held liable. I called, and they rejected my claim again. I did not open this account, and I should not be held liable for their poor fraud prevention systems.
Information stopped showing up or being delivered to my mailing address, I found it is being sent to an old address with my private information and loan information. I can not get a live person from Navient on the phone to correct the issue or to even be able to pay them/set up a payment plan.
On XX/XX/XXXX, I settled an old debt for less than the full amount. I was told, in writing, that the account would be settled for that amount. Today, I received a notice that there was a change on my credit report. Instead of it saying the account had settled in full ( for less than the entire amount ), they simply lowered the balance. I have called the office multiple times over the past few days and have a hard time reaching anyone. I have been calling because I have a court date with them scheduled for this Tuesday ( XX/XX/XXXX ), and it doesn't appear they have informed the court we have settled. When I finally reached someone earlier this week, they told me they were sending a letter to the court that afternoon. However, I spoke with the court this morning, and they informed me that the date has not been cancelled yet. I feel like the company has been very disingenuous during this entire process when I am simply trying to move past a difficult period in my life. 

I am attaching a copy of the settlement letter, a copy of my proof of payment of the agreed upon settlement amount, and a copy of the screenshot showing the updated credit reporting information as of this morning.
Iberia Bank has reported on my Consumer report that I have {$410.00} as a charge off which is incorrect. I worked with the main office of Iberia Bank getting all of the fees correct that my local bank messed up on. I was trying to close my savings and my checking account. The employee left my checking account open due to a XXXX  charge that was still pending on my account and stated that once that cleared they would freeze the account and I would have to come in a sign. By the time I came in there was over 400.00 of NSF fees that the bank was allowing some autopay transactions go thru knowing I was closing the account and was told that I didn't have to worry. I would have time to change all my information and notify my creditors I was closing that account and give them new account information. Once working with the main office of Iberia Bank, they removed most of the fees and I did a phone payment for {$260.00} as the final payment on XX/XX/2018. There was no charge off or any issue with the debt. This is inaccurate information. I did go in and out of this bank and speak with 3 employees, including the manager over the woman who completely lied to cover herself. She made the error, admitted it to me and then when I got XXXX XXXX  involved at the XXXX XXXX branch in XXXX XXXX, she completely lied.
This Collection agency Weber & Associates continue to refuse to validate the debt claimed to be owed to them and have also violated the FDCPA Section 807 ( 8 ) I have proof they did not validate the debt. They also violated and failed to communicate the debt was disputed within 30 days of receiving my letter to do so. They even sent a latter which validates they did not adhere to the FDCPA policy within the allowed timeframe per the date they received my first request which was XX/XX/18. Please see the return receipt ( s ) for reference.
Rented a car from XXXX XXXX XXXX in Colorado. I was parked and hit. I gave the license and insurance of the individual who caused the accident. Months later, i was charged for the repair. I thought it was handled. The rental car agency sent the item to collections. This should not be on my report. I was the victim of a crime. I have been under duress, making payments.
I was in the process of getting a mortgage through Quicken Loans. I felt my rate of 4.25 % was n't the best rate I could get, so I began looking at other banks in the area. I was told by XXXX XXXX that other banks would give me a lower interest rate, but then last minute say I would have to pay origination fees and points to keep that rate. Quicken Loans would not do that to me. So I stayed with Quicken Loans. When I received my first loan estimate, it had those closing costs of {$2100.00} ( {$790.00} origination fee + {$1300.00} for XXXX whole point ). I immediately contacted XXXX asking why those fees were there. He assured me that Quicken Loans would credit the entire {$2100.00}, and those would not be included in the closing costs. I was satisfied with this response until I saw a new Loan Estimate still showing {$1100.00} for XXXX points. I once again called to ask why that was there. I was again told that it would be gone and not affect me. At one point, I had been told that at closing, I would only need the 20 % down payment plus or minus {$100.00}, since the seller was paying closing costs of {$4500.00}. I received my final loan estimate, and it showed I was going to have an additional {$620.00} I would have to pay on top of the 20 %. I once again complained to them saying that if that {$1100.00} of points were taken off, the sellers {$4500.00} would more than cover the extra {$620.00} I was having to pay. They would not take the fee off, or believe that I should n't be charged for it. Finally, this morning, the morning of closing on the house, they called and admitted that when they listened to our conversations, I had been told that I would not be charged any origination fees or points. However, since the seller was paying for {$4500.00} of closing costs, the {$1100.00} was included in their expenses. They would not credit the {$1100.00} because it would make seller closing costs less than the {$4500.00}. I told them they could at least charge half a point, or something less, to make the extra money I had to bring to closing, be less. They refused and do n't believe it should be taken off, since the seller is paying for it anyway. This is an extra {$630.00} out of my pocket when I have just paid a 20 % down payment. I could really use that money at this time, and they have taken it from me. When I was at closing, the woman with the title company said they were terrible to work with. She and my realtor ( and a lender I spoke with afterwards ), all agreed that it looked like they were just charging bogus fees to eat up the seller 's {$4500.00}. They said it definitely seemed like fraud. I went and spoke with the lender in that office, and he confirmed that they had done me wrong. He said I should be able to get an interest rate of 4.125 % with no points or fees, yet they charged me {$1100.00} to get a rate of 4.25 %. The lender recommended I file a complaint here, as what they had done was completely unfair to me. Another complaint we had was that they really drew out the process of closing. My realtor thought I should be able to close almost 2 weeks before they let me.
Weltman, Weinbert & Reis sued me for a debt that was never mine. I incurred charges against an old XXXX credit card, which were fraudulent. Eventually I signed an affidavit with XXXX stating these charges were not mine and were the result of fraud. The matter was settled/closed. XX/XX/XXXX XXXX XXXX XXXX began trying to collect this debt. I called them and told them the matter and disputed this on my credit report, which on at least one bureau the negative info was removed from my report. XXXX then sold this " debt '' to Weltman, Weinberg & Reis, who then sued me. I paid this debt on XXXX to avoid going to court. This is very embarrassing for me and would have been worse, had I gone to court and been portrayed as a dead beat. Look at my credit report and you can see I pay my bills and have great scores. I paid {$1400.00} to close the matter.
I have a  XXXX  credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of   XXXX   XXXX     or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf    XXXX   XXXX    ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  XXXX  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  XXXX  ). Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called Northstar Companies - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  XXXX  rep and they were n't aware of the cos or if the management of my account has been transferred from  XXXX  to Northstar.
There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all three credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.
The department of treasury took my income tax fo r 3-4 year s starting after  XXXX   2011  the year I graduated The  XXXX    XXXX   XXXX   XXXX   Should of sent me a receipt for paying instead of sending me anything stating i paid making it seem like i didnt pay them anything i need justice because this is really damaging my credit.
While applying for a Home Equity Line of Credit with XXXX XXXX XXXX, I noticed they performed 5 Hard Inquiries on my credit on the same date! XX/XX/2017. Totally unnecessary. These many inquiries affected my credit score. It takes 2 years for them to go away.
I have disputed with this company before. My credit report is showing a collection for XXXX XXXX XXXX XXXX. I have never stayed there. Im asking them to provide a signed lease or any other documents showing the XXXX XXXX XXXX with my signature.
On XX/XX/XXXX, I reported the unethical manner in which a law firm/collection agency obtained a judgment for their client. The reference number for this case is XXXX, ( still under investigation as of today 's date ) within this complaint I detailed how this process will greatly harm me and my family. Well just like I proposed in my complaint -- the three reporting credit agency included this information on my credit reports as of XX/XX/XXXX, my credit score has decreased 35 points. I am requesting again that this agency intervened in this process, upon reviewing my previous submitted complaint you will find that I reference my concerns as it pertains to my credit report and how this information will affect my credit score.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX CARD XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XXXX   XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XX/XX/XXXX {$14000.00}
Experian is absolutely refusing to give me a receipt for the money I 've spent with them. I paid XXXX dollars for a credit freeze and they are refusing to write me a receipt. Thus comes directly from management. Their industry has let ALL of my personal information " slip. '' I have to sue XXXX  to get me money back. Experian either wo n't send me a receipt because they are trying to protect their industries money or because they are prejudicial against my XXXX heritage. Either way it is unscrupulous and purposeful.
Despite four mail certified written requests to Experian credit bureau, XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. The unverified items listed on each letter remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Experian has NOT provided me a copy of ANY original documentation, a consumer contract with my signature on it, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not  be verified.
The situation at hand started with me wanting to relieve myself from debt with students by accommodating a lower while getting my loans paid for. I previously was working with a company called XXXX. Eventually as time with by, I came across several phone calls asking me if I wanted to sign up with the program of student loan debt forgiveness with XXXX XXXX. Finally entertained the idea because I thought those type of calls were scams but talked about it at work over the phone. The conclusion from that conversation was that I was going to be forgiven from my student loan debt after so many months of paying XXXX XXXX $ XXXX after the initial cost upfront of {$600.00}. As a few months passed working with them, I began receiving letters from FedLoan stating there was {$0.00} being made to my account each month and obviously I became concerned. Reached out to XXXX XXXX to cancel because what they told me then was something different from before. Today, XX/XX/XXXX, I reached out to FedLoan and was explained that XXXX XXXX was a scam service that charges people for the same free services they provide when I explained i I went through them to try and get my loans forgiven. Immediately told me to file a complaint against them.