WillisBack/dataset-financial-user-claim huggingface dataset:
I contacted the BBB regarding a mis-reporting of my credit score from TransUnion LLC. They report to me XXXX credit score that falsely leads me to believe I am in " fair '' market value for obtaining credit or a loan, but then they report a totally different score to the lender or creditor. This is " Unfair '' credit reporting and biasly misrepresents my credit worthiness. The score they report to me, should be the same score reported to the lender or creditor. 
Both the BBB and TransUnion completely side-stepped the issue and the only resolution they offered was to send me a " free '' credit report. 
I have also contacted them regarding a credit reporting from a " claimed '' creditor that indicates I owe them money for a rental property from 2013. I did not owe the money then and disputed it with the creditor. The creditor refused to show " proof '' that I owed and they never acted on their claim ( i.e. filing suit to obtain a legal judgment making me responsible for said amount ). I have asked for proof of Court Ordered Judgment stating that I owe this creditor, but they refuse to produce or admit that they actually have one. Without this proof, they have no legal right to place this item against my credit. I have repeatedly asked for its removal as there is no proof that it is my responsibility to pay, but both TransUnion and the creditor will not comply. Again, this is " Unfair '' credit reporting and in direct violation of the FCRA and consumer protection laws.
I disputed an account on Transunion. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of Transunion, and XXXX. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and  Transunion told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.
I needed to thaw mine and my husband 's credit so our bank could review our credit to redo a line of credit with them. Apparently, because I thawed our credit we were signed up for a credit monitoring service for a trial of {$4.00}. If we did not cancel it we would be charged {$19.00} a month. I do not need credit monitoring, I keep my credit frozen. 
I called to ask how I was initially signed up and they were unable to answer me. I was also being billed twice every month. So {$4.00} times XXXX and {$19.00} times XXXX since XXXX. 
I called and asked for a refund. They said they will cancel my membership and refund for one month only. I called my credit card company and they can dispute XXXX. They can not dispute XXXX. They were told to have me call and ask for a refund. I did, and they would not.
I have public records reporting on my credit report that are due to identity theft and I would like to them be finally be removed and blocked permanently from my file. I have attached an updated copy of my FTC fraud identity theft affidavit which lists the fraudulent public records and it is signed and notarized by my local law enforcement and the court. i also have a letter from the United States Government showing proof my identity was stolen along with my fingerprints and my social security number and all of my personal information for someone to act as me and file taxes and other things under my name illegally they say it was part of a cyber hack. Please read over it carefully to fully understand my misfortunes and the current hardship this disaster has caused me. I 'm currently trying to get a mortgage for my family and I ca n't with these fraudulent public records on my file so please remove these immediately upon receipt of this complaint
On XXXX XXXX XXXX XXXX XXXX received an email from XXXX XXXX with the email address of XXXXXXXXXXXX, which stated my application had been approved to complete surveys. I was asked to verify my information which I did. Continuing, the email then stated that the information would be used for payment to execute my assignment as well as my wages. 

I received a XXXX email from the same person as above which stated : XXXX assignment to start the next day, Note that a check will be sent to you by XXXX overnight to proceed with the task immediately. 

I received a check by XXXX on XXXX/XXXX/XXXX in the amount of {$1200.00} at which time I was to deposit in my bank XXXX XXXX Bank XXXX and withdraw funds of {$1000.00} and complete assignment. To complete assignment I was to wire the XXXX to the XXXX store in XXXX, Colorado payable to XXXX XXXX for pick up by her. Then to complete a survey after assignment was processed. 

On XXXX/XXXX/XXXX I received another XXXX containing another check in the amount of {$1200.00}, was to complete the assignment the same as before to the same location as above and to the same person XXXX XXXX at the XXXX, Colorado XXXX store. 

Within XXXX minutes my bank XXXX XXXX Bank XXXX contacted me, XXXX XXXX advised he believed this is a money laundering scam and advised me to cancel the transaction and redeposit the XXXX back into my account, which I did. 
I was also advised to file a police report with the La XXXX XXXX, which I did on XXXX/XXXX/XXXX case # XXXX. He made copies of all documents, check, bank info, receipts. 

On XXXX/XXXX/XXXX I received a message from XXXX XXXX asking why I had cancelled the XXXX transaction, I told her this was a scam and my bank advised to cancel the transaction and redeposit the money into my account. 

On XXXX/XXXX/XXXX received a message from XXXX XXXX XXXX additional email that XXXX more checks were coming and to follow directions for the assignments the same as before. Then received a message from XXXX XXXX to shred the checks when I received them. 

I have no way of attaching all documents to this report but will mail in if I can get an address to send them to.
I initiated an request for removal of a {$5400.00} federal tax lien on my Transunion credit file on XX/XX/2018. The federal tax lien was satisfied, released and withdrawn by the IRS. The IRS filed form XXXX Withdrawal of Filed Notice of Federal Tax Lien After Release with Clerk of Superior Court of XXXX XXXX XXXX XX/XX/2018. 
Transunion responded on XX/XX/2018 that it was being reported accurately. 
I verified with the Clerk of XXXX XXXX that this federal tax lien has been withdrawn and it is no longer reportable. 
Transunion did not properly contact the Clerk of XXXX XXXX to verify this lien.
My mother XXXX XXXX was a XXXX and has been a victim of identity theft, bank fraud. I was also a victim of identity theft. A Wachovia bank employee had access to my mother 's personal information and safe deposit box. My mother had Treasury Bills ( unrecovered ) and my birth certificate ( unrecovered ) in her safe deposit box.She fraudulently added herself to my mother 's accounts. She had siphoned off money from one account into an account going to her home. Over XXXX was stolen. In addition she opened a joint checking and savings account with my information obtained from my mother 's account without my knowledge or consent. Wachovia Bank terminated her from her position after an investigation and returned most of the money. I later found charges and a savings account fro a printout. I wrote the bank 's President in XXXX, North Carolina. My hopes of getting an apology and assistance with a prosecution were dashed in a letter dated XXXX XXXX, XXXX, '' We have investigated your concerns and found no evidence to show that fraud was committed on XXXX XXXX 's accounts ''. In XXXX XXXX, Detective XXXX XXXX XXXX of XXXX Crime Unit started an investigation after I called. Finally in XXXX XXXX the detective called she arrested the employee. Municipal District Attorney XXXX XXXX ensured me a new trial and a conviction but did not follow through. I hired an attorney and contacted Wells Fargo now the bank of record. I recieved a small settlement. The employee was not prosecuted and the bank did nothing to assist or call for an arrest and the investigation. All the losses totaled {$100000.00}.
Today XX/XX/XXXX I received 3 phone calls from XXXX at One Main Financial who stated that the matter was urgent and that she needed to speak to me right away. I had called previously and called once more and finally got her on the phone. She then told me that my XX/XX/XXXX payment did not post and that it was coded that my bank account was frozen. I told her no way. I told her that I just left the bank and my account is fine. We spoke of other methods of making a payment and she agreed that my wife could call with a debit card to make the payment. She smugly told me she was just worried about my account. This suppose concern seem odd to me immediately. 
I later spoke with my wife about the matter and she told me she was in our bank account and that payment did go through with no problems. I also recalled being online earlier and seeing that the payment showed posted for XX/XX/XXXX. On that subject, I had went into the local office, on XX/XX/XXXX and changed my banking information and XXXX processed the payment electronically. Nevertheless, I called XXXX back and told her the payment with through just fine and that it showed online and that I even spoke with One Main customer service department who confirmed the payment. She ask me to screenshot her the XXXX XXXX XXXX payment. I told her I was n't sure I should do anything like that. She said she would have to contact her Manager because she shows a code 16 and the payment is not showing that she sees. I then called customer service back and spoke with XXXX XXXX and he told me we actually made two payments of {$100.00} for XX/XX/XXXX that went through fine from he sees. I then requested to speak with a supervisor. I also explained to XXXX XXXX problems my wife and I have had in the past with this office. He apologized for our troubles. Somehow I got disconnected when XXXX XXXX transferred. I called back and spoke to XXXX who would not give me XXXX XXXX but said she could transfer me and transferred to a voicemail box with no greeting and I left a message assuming I had the supervisor. She said, as did XXXX XXXX the supervisor 's name is XXXX XXXX. My wife called and as asked by XXXX ( at local office ) but was given her voicemail box and found that telling. Neither my wife or I have received a call back from the local office. It appears very obvious to us that I/we were being harassed deliberately by this office, as my loan is close to being paid off. As of this writing I have no heard back from the supervisor I requested a call back from. Having worked in as a customer service rep, I can say that I believe the above employees deadpanned my complaint to the company.
I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Phone : ( XXXX ) XXXX in XX/XX/2018 regarding a debt from XXXX that in my recollection was paid in full. The debt was for {$450.00}. I called the collection agency and asked them to validate and verify the debt. I was sent a bill from XXXX, that simply showed a balance, but did not provide any details of the reason for the debt. I called the collection agency the week of XX/XX/XXXX, and after being transferred multiple times, the representative from Convergent explained that they could not find the account and I should call back. I called back and spoke with a representative during the same week, and explained what was sent to me. She was kind and empathetic and said they would send a detailed, itemized bill that would explain the debt. I heard nothing after that. I was notified on or around XX/XX/XXXX that the company reported the debt to XXXX.

I called the collection agency and explained that I still have not received information that validates the debt. The person became combative and said there's nothing they would do about it. I asked to speak with a supervisor and was hung up on.

I've submitted two disputes to XXXX, and the outcome was that the company validated the debt. I have still not received any information that validates this debt, according to the FDCPA guidelines.
I have a a unverified account from SOURCE RECEIVABLES MANAG #  XXXX . I had previously disputed this account. I have never done business with SOURCE RECEIVABLES  MANAG.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOURCE RECEIVABLES MANAG Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that   SOURCE RECEIVABLES MANAG Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
According to Equifax 's website, my personal information was affected in the latest data breach that occurred from mid-XXXX through XXXX 2017. This breach occurred as a result of Equifax 's failure to take a reasonable, prudent level of care to protect the information from theft. As a proximate result of Equifax 's failure to take proper care, my information and the information of approximately 143 million American consumers was stolen by unknown persons, and may be used to commit crimes and other harm against myself and/or others, either now or in the future. The potential harm that I face as a result of Equifax 's failure to take reasonable care ranges from simple theft and inconvenience, all the way up to total financial ruin.
Asked Experian to update my profile several time regarding my name and address. I sent my ss card along with my utility bill as proof of my address and the correct spelling of my name. They are still reporting XXXX XXXX XXXX XXXX  NC and XXXX XXXX XXXX XXXX XXXX  nc. Which are both inaccurate. For reasons due to fraud, I need the bureaus to reflect XXXX XXXX  and XXXX  XXXX XXXX XXXX  NC XXXX.
Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted XXXX XXXX XXXX who is the collection company handling the accounts. I've asked on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that XXXX looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. Reporting by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Bankruptcy Court
The debt appeared on my credit report in XXXX XXXX 2014. It lists an apartment complex that I never lived in, stating that I owed a debt for it.They started calling me telling me that if I didn't pay the amount of {$2600.00} I wouldn't be able to get an apartment and giving me quotes from customers saying that the debt with them ruined their credit and they needed to pay it off. Being a young college student, I paid {$1100.00} total and then I did research and saw that their tactics were illegal and that I could dispute the collection. I tried to dispute the debt countless times and they called me almost daily telling me that I needed to pay this off at all hours of the day and night. Last year, I gave them a cease and desist letter and they haven't contacted me but still haven't removed the debt that was never mine. They were never able to send me a signed contract validating the debt. I do not owe this company.
Honor Finance calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.
There is a collection showing on my credit from Rent Recovery Solutions LLC. 
The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place. 

I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. 

I want the account removed from my reports since it's proven unduly burdensome to contact the collector.
We dealt with McLean Mortgage and XXXX XXXX was our loan officer. We had to pull out of our contract and loan to buy a home due to personal emergency reasons and with that being said, instead of respecting our decision, she took the matter into her own hands by calling my husband 's Human Resource department multiple times asking about his job security. XXXX XXXX was in no position to do this. This was not her place to do that. By her doing this, she made my husband 's life at work a lot tougher and much much worse than it was. XXXX yelled at my husband and cursed at him and told him that he was full of XXXX and that we were both acting childish. This is not how you speak to another human being, let alone a XXXX woman. She also said, '' why do n't you just get the house, and if your husband loses his job, after a month or so, just get a new one! '' By her telling us this, this lady should not be a loan officer anymore because this tells us that she has written up many loan applications to people that ca n't necessarily afford it, has no integrity and she degrades people and is absolutely awful to the clients.
Westlake Financial Services financed my loan ( 4year ) on my truck in XX/XX/XXXX. I had the truck 9 months and the truck was totaled at no fault of my own. XX/XX/XXXX. I owed XXXX on the truck. The at fault driver of the accident only had XXXX worth of insurance. They paid XXXX to West Lake in XX/XX/XXXX. West Lake will not refinance the loan for the other XXXX dollars. They said there is a daily interest and a lot of the money they was paid in went to the interest. They will not look at it as though its a 4 year loan and more than half is already paid off, they hit me every month with late charges and interest. The monthly payment was XXXX a month. I had to have another vehicle so I now have two truck payments of XXXX a month and XXXX a month. I can not afford both. I have tried to make smaller payments to them ( XXXX ) and they still want the whole amount of XXXX and charge me late fees and etc. They are aware that the truck was totaled, XXXX XXXX came and took my truck. If you paid a majority of the loan off in the first year why wouldn't they work with us and take off some of the interest or at least lower the payment and be feasible.
I was trying to payoff the balance of my mortgage with Feedom Mortgage. They would not quote a payoff over the phone or in the website. They said there is a {$30.00} charge for the payoff amount. I am not selling or refinancing my home. I sent a check from my banks bill pay for {$34000.00} which was the principal balance on my statement. The check was dated XX/XX/18. On XX/XX/18 I received a letter with the check enclosed saying the funds must be certified. I called customer service on XX/XX/18 and was told by the CSR that it was against the law to accept the check. I asked her what law she was referring to. She could not answer but said they could not accept more that {$9900.00}. I told her that was referring to CASH transactions, not from accepting checks. 
I feel that Freedom Mortgage is not acting in good faith and trying to put obstacles in my path to collect more interest and fees. Also, I found my loan agreement and Truth In Lending Disclosure from my loan and there is no mention of a {$30.00} payoff fee. ( I did not have to have it in writing ) I am now required to pay a fee to my bank to issue a cashiers check to pay the account plus an additional months interest on the loan.
Reporting in accurate information on my credit report I am in and have been in active chapter XXXX bankruptcy since XXXX XXXX. My loan was purchased by SN Servicing and since they received it they have been reporting my mortgage payments 90 days late for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. They should not have been reporting my payments late as I have been paying my Trustee a month ahead and while I am protected under BK they should n't be reporting. They are now paid in full as agreed and I ca n't get an apartment or mortgage because of these negative marks. I have called them and spoke with XXXX and her Manager and they advised me to dispute through the credit agency I just need a letter stating this information they reported is inaccurate so I can obtain approval on a purchase but they refuse.
I have  two  consolidation loans with navient. I have been paying for  25plus ye ars. I did not authorize my student loans to be consolidated and yet they were in  XXXX . They are done in  XXXX . However, I have paid over twice the loan amount originally in interest when I could have been done with my loans years ago. I have tried to reach navient and can not get a person to answer a phone call. This is not right or fair.