WillisBack/dataset-financial-user-claim huggingface dataset:
Trans Union Credit Claims that they verified a public record showing in my credit report with the US Bankruptcy Court of PR. This is false information as the US Bankruptcy Court of PR DO NOT share information with CRAs. 
Trans Union utilized XXXX XXXX for electronic verification purposes and therefore the information provided in my TU credit report is inaccurate as TU NEVER verified this information with the US Bankruptcy Court of PR. Based on Fair Credit Act this is a violation under this act and I am entitle to remove this innaccurate information from my TU credit report. 
Additionally this public record on the investigation report should be shown as DISPUTED. It does not. 

Please instruct Transunion to remove this inaccurate public record from my credit report.
The purpose of this statement is to complaint about the manner in which Penny Mac handled my foreclosure action. Since XX/XX/2016. I started processing a short sale and advise them of the intention of doing so. I have been in constant communication with them and was submitted and denied, with the suggestion to make a counter offer. Emails have been back and forth, however, they never expressed their intention to foreclose on the property and apparently they have executed the sale, without giving me the chance to dispute their decision. Moreover, they lead to believe that they were acting in good faith as they entertain the Short Sale offers, and corresponded via emails with seemly intentions to fulfill the sale. I would like to have the opportunity to be given the chance to finish the short sale as it would avoid the hurdles that comes with losing a property as a result of a foreclosure action. I would like to have the case reverted and be given the chance to fulfill the short sate at once.
On XX/XX/XXXX AND THE XX/XX/XXXX XXXX XXXX XXXX, and, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX pulled a hard copy of my credit report without my consent. I have been a victim of Identity Theft, and someone has been opening, different accounts, and applying for loans in my name using my information. I have filed a police report, and a Identity theft report. Over seven accounts been opened in my name, and mt credit has been ran 16 times these three companys pulled a hard copy off my XXXX and XXXX credit report on the dates above, I have not applied for loans, in yyears. I found this out when I pulled my credit report in XX/XX/XXXX. I contacted the three credit  companys to place a block on my credit for 90 days while all this is suppose to be fixed. I reached out to each of the three companys above and, they said they would remove them. They also told me that this was done online, that someone was trying to apply for a loan online at a local car dealership here in XXXX XXXX, Nv at XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV I called and spoke to the manager no help there.
The credit card was opened in XXXX of XXXX by internet. I am an identity theft victim and have identity alerts all over my credit bureau. There were to be no " NEW '' credit cards opened without calling me first! This credit card got opened without my knowledge and mailed to my old address. I moved from my old address in XXXX of XXXX to a new address. I have aggressively tried to work with XXXX of XXXX to resolve this issue and the have refused to work with me. When I finally realized this account was opened, I contacted them and reported it as fraud in XXXX of XXXX. They processed it as a blocked card and mailed me a new card which ended in XXXX. The first card ended in XXXX. They refused to fix their mistake. Since then they have sold it to a collection company. I will not be held liable for this identity theft! This bank is not willing to work with me
Bank of America  Charged OFF  my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement. Bank of america Continues to Report the account delinquent on my credit repo rts 7 +  Years after I settled this account for less than full balance.Bank of America Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the n ext 5  to 10 days. Bank of America Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but B of A was Not interested.     The Original dispute Involved B of A Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
I have called numerous times to get the lien release on vehicle which was paid off  XXXX  .17 and t hey stated its there policy too hold the title for 30 days. I have paid the entire loan in full. I am in a chapter  XXXX , but per the attorney, trustee, state of wi, and the financial the loan is satisfied 100 %. They have no rights to my title. Per laws they have to release lien to me immediately and have not.
On or about XX/XX/2018, Capital One decided that it was not going to increase my credit limit even though I told them that my income had significantly increased. Capital One also informed me that my former employee did not commit fraud even though he stole company funds by using the credit card. The total of this fraud is in excess of {$5000.00}.
XXXX   XXXX  contacted my employer and called my place of employment. I do not know what the call is in regards to. She needs to cease all calls to my employer for they are not allowed.
Equifax Dispute Issue I contacted Equifax about a collection posted to my credit report in XXXX 2017 and submitted a dispute over the phone with them, confirming that my date of birth, social security number, and name was correct in their system. 15 days later I called to check the status of the dispute and found out the collections agency, XXXX XXXX had the correct person. As this was fraud and not an account of mine I submitted a re investigation in XXXX  2017. It was still found to be an account of mine, which was not, as the birthday and social security numbers were not the same, so I submitted a third re-investigation. By this time I was fed up with Equifax and their lack of looking at the details in seeing that the information did not add up so I called XXXX XXXX myself and they said that the account was indeed not mine. The fact that Equifax still decided the account was in my name and deserved to be on my credit report shows the complete incompetence of the company. The investigation process used by Equifax is ridiculous as they must not investigate much into disputes as I was able to figure out more information than they were. This makes me wonder how many more have been subject to this company 's ignorance and why nothing has been done by the consumer financial protection bureau to fix these issues and Equifax 's lack of professionalism. It took me investigating and days of contacting the company and equifax to fix this issue that was all due to Equifax 's incorrect reporting. How does a CRA validate submitting a collection with different social security numbers and birth dates to someone 's account and how come the CFPB is not holding them accountable for this?
There are incorrect addresses, phone numbers and name. 
The debt against me from XXXX XXXX XXXX should not be in my name, that debt should be taken against a former boyfriend/my childs father/ roomate, XXXX XXXX XXXX
I PURCHASED XXXX GOGGLE {$25.00} GIFT CARDS AND WHEN I WENT TO USE XXXX-IT HAS ALREADY BEEN USED. STILL HAVE THE GREY SECURE MARKINGS AND CALLED AND NO HELPI PURCHASED XXXX GOOGLE {$25.00} GIFT CARDS FOR MY SONS BIRTHDAY AROUND THE LAST WEEK OF XXXX 2015. I PUT THEM IN A DRAWER AS I HAVE A IPHONE AND HAVE NO NEED FOR THEM. MY SON ASKED IF HE COULD HAVE XXXX CARD AND I SAID YES, WE BOTH SCRATCHED OFF TOGETHER AND IT SAID REDEEMED. I WAS SHOCKED AND CALLED GOOGLE IMMEDIATELY AT XXXX. THE LADY I CALLED ON XXXX XXXX 2015 TOLD ME IT WOULD GET INVESTIGATED AND TO SEND PICS VIA EMAIL TO GOOGLE VIA EMAIL AT XXXXXXXXXXXX .I DID AND SHE SAID SHE WOULD GET BACK TO ME MONDAY OR TUESDAY XXXX THE XXXX AS IT WOULD BE LOOKED AT. I CALLED THEM ON TUESDAY THE XXXX AND THEY SAID THAT IF I DID NOT HAVE THE RECEIPT THERE WAS NOTHING THEY COULD DO. KEEP IN MIND THAT I SPENT {$75.00} AND THE CARDS GREY SECURE MARKINGS WAS STILL IN TACT AND GOOGLE SAID ALL XXXX CARDS WERE REDEEMED. AS U CAN SEE IT IS VERY FRUSTRATING AND I ASKED TO SPEAK TO A SUPERVISOR. THE NEXT PERSON ON THE LINE TO SPEAK TO ME WAS XXXX, HE WAS RUDE AND TOLD ME TO TAKE THE SCRATCHED CARD TO WHERE I PURCHASED AND AND BEG FOR MY MONEY BACK AS GOOGLE WOULD NOT DO ANYTHING TO HELP ME. WHEN I ASKED TO SPEAK TO HIS BOSS/HE WOULD NOT LET ME AND TOLD ME THAT I WOULD LOSE MY {$75.00} AND HE WOULD NOT HELP ME. I FEEL THAT THIS IS UNPROFESSIONAL AND UNETHICAL. I DONT SEE HOW A CARD COULD BE REDEEMED IF IT IS NOT SCRATCHED. I AM COMPLAINING TO MAKE IT KNOWN TO HEADQUARTERS AND TO MAKE THIS RIGHT. I JUS WANT MY SON TO HAVE A NICE BIRTHDAY AND IT SEEMS LIKE I AM GOING TO LOSE {$75.00} BECAUSE GOOGLE DOES NOT WANT TO HELP AND STAND BEHIND THIER PRODUCT. PLEASE CONTACT ME AND GET BACK TO ME AS SOON AS POSSIBLE AND HELP. THANK YOU FOR YOUR CONSIDERATION.
I began a lease with Ally Bank in XXXX XXXX on a XXXX XXXX XXXX. I was instructed that I could turn the car in to any XXXX Dealer. On XXXX/XXXX/XXXX, I turned the car in to XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX, CA XXXX.The car was accepted by XXXX XXXX and I was given an Ally Smartlease Odometer Statement. For a long time, I did not receive anything from Ally recognizing the turn in of the vehicle. I contacted them in XXXX XXXX and Ally said they did not receive any info from XXXX nor receive the car. I then contacted General Manager XXXX XXXX at XXXX asking what happened to the car and the reporting to Ally. He could not find any paperwork on Ally picking up the car. So, XXXX filed a Stolen Vehicle report on XXXX/XXXX/XXXX with the Dept of CA Highway Patrol. Meanwhile, Ally keeps dinging my credit rating. After many calls and providing the Odometer statement again to Ally, I was able to finally receive a payoff amount of {$710.00} from an Ally employee name XXXX. I immediately paid the amount. Then I received a letter dated XXXX/XXXX/XXXX from Ally stating that there was an amount due of {$76.00} and that it was also a Notice of Intent to Report Negative Information. So, I contacted Ally immediately, and provided the Odometer Statement and Vehicle Report to XXXX in Cust. Svc.. Yet, Ally again dinged my credit rating on XXXX/XXXX/XXXX. After many calls, Ally said everything was cleared up and I received a check dated XXXX/XXXX/XXXX for {$1600.00} for Refund of Payments after vehicle turn in. Then I received another letter dated XXXX/XXXX/XXXX from Ally stating that my account was referred to their Asset Recovery Center and that I owed {$20000.00}. And I was again dinged on my credit rating by Ally on XXXX/XXXX/XXXX. After making several calls, I was told Ally needed to do an investigation and I was asked to again send them the Odometer Statement and Vehicle Report. I faxed the info to them and included a copy of the remittance check stub I had received. Still no resolution and Ally again dinged my credit rating on XXXX/XXXX/XXXX. I ca n't keep having my credit rating go down and I am not responsible for the {$20000.00}.
Transunion XXXX ; Account Number ( XXXX ), Name ( XXXX Hospital ), Amount ( {$340.00} ) -- -- This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with.
Bank Of America listed an offer for the BankAmericard Cash Rewards Card. In order to entice me to apply for this card, the card benefits offered were : {$0.00} annual fee ; {$100.00} online cash rewards bonus offer ; 1 % cash back on every purchase, 2 % at grocery stores and now at wholesale clubs and 3 % on gas for the first {$2500.00} in combined grocery/wholesale club/gas purchases each quarter Calculate rewards Cash Rewards Low Introductory APR offer Show details Cash Rewards Get a 10 % customer bonus every time you redeem into a Bank of America ( R ) checking or savings account. If you 're a Preferred Rewards Cash Rewards client you can increase that bonus to 25 % or more. 

I applied for the card and logged into Bank Of America 's website to check on the card and noticed that I was charged a {$39.00} annual fee. I contacted Bank Of America and was advised by a rep that the they could not remove the {$39.00} fee and that the card also did not include the {$100.00} online cash rewards bonus offer. The Bank Of America rep advised that this was based on a credit decision. 
However, the whole purpose of me applying for that particular cash back card over other credit card offers was because of the {$0.00} annual fee offer and the {$100.00} online cash rewards bonus offer. Bank Of America did a bait and switch, offered services for signing up on the card, then issued the card, and refused to abide by the terms of the offer, arguing that its based on credit decision. Well, I was approved, and in fact issued a credit card, the same credit card I applied for. Therefore, the offers should have accompanied that card. Instead, bank of america ran my credit, reducing my credit score, knowing that they were not offering those benefits on the card.
My loan was sold to RoundPoint Servicing Corp for loan servicing before my 2nd payment ( last XX/XX/XXXX ). I tried setting up a bank account for payment, it took multiple attempts as they kept losing my submitted forms and/or bank account information. I then wanted to make biweekly payments, which required an additional form and bank information ( same bank, same account number, etc ). Well they lost it again multiple times. I went on the prepay {$5000.00} of principal on my mortgage. I called to inquire as to why my biweekly payments had not started, and they told me in order to do this, I had to be ahead on my payments by one month. Simple math people. That {$5000.00} payment knocked about 50 months off my mortgage. I opened an account with a local bank and added that bank to my online account at RPS. Several times I have tried to make this account my primary payment method and this has gone on to be ignored. I have called and chatted online with representatives who consistently tell me different things, including today. The representative ( XXXX was her name, I took screenshots of this conversation ) informed me that now there will be a billing issue because I have 2 bank accounts for this loan. Despite this, she was not willing to fix this. She flat-out refused to fix this despite knowing this is going to be an issue. All these issues and not one person has been able to assist me in resolving this or making payment easy and with options promised. I have repeatedly requested the simple option of biweekly payments and have repeatedly provided whatever documentation they have requested. I requested a supervisor contact me and as of this writing they have not called. Every contact I have had with RPS has been a hassle. It seems they go out of their way to be a problem. They go out of their way to not be willing and/or able to help. I have been nice about this, I don't get ugly. I have seen other similar complaints online and I wanted to get this out there for others to see. I will not be buying a house with a loan that uses RPS for servicing. I will also be researching on which regulatory authority to complain to for this.
On Friday XXXX/XXXX/XXXX I was in receipt of a phone message alllegedly from XXXX stating that needed to call a phone number XXXX to discuss a debt that I do not have nor was any other information given about any so called debt I might have. 

I believe this was an attempt to coerce me into giving private information to sources that use such information illegally. 

My concern is that such organizations give false information out and this gets picked up by credit agencies and create false reports hat cause me to be denied emplyment or creatre false reports tha tlower ratings in other areas. 

AT NO TIME WAS ANY DOCUMENTS EVER PROVIDED SUCH AS A BILL OR OTHER REPORT INDICATING THAT I OWED ANYONE ANYTHING IN THIS MATTER
I tried to open up another account with Wells Fargo my old account was closed out do overdraft fees and I paid off all my old overdraft fees and I'm still having problems trying to open up a new checking and savings account can you please tell me why and what's going on
I received a call at XXXXXXXX XXXX Thursday, XX/XX/2018, which I answered. There was a slight hum and click, and then the phone rang as if I had called whoever this was, and I immediately recognized that this was the process of an auto-dialer. An individual identified himself as only his first name, asking for someone by name, at which point I asked for his name and company, and asked why he was using an autodialer. After asking several times, without confirming any personal information at all from me, the individual divulged that he was with CCS, and that he understood that he was not supposed to be using an autodialer. I informed him that it was against the law to do so, and he stated that he could not continue the conversation and hung up the call.
XXXX Bank removed my inquiries from XXXX but they did not remove all them from Equifax. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.
REFER TO COMLIANT XXXX, TILA VIOATIONS, FCBA, FDCPA, T.C.P.A, FCRA AND OTHER STATE CONSUMER LAW INFRACTIONS.
I purchased a XXXX Hyundai Sonata to replace a total loss vehicle and when I was discussing the loan with the finance manager I specifically told him i was going to pay the loan off early and was there any fees or early pay off fees and he said " No ''. the paperwork and bank are showing a {$190.00} processing fee that i feel I should not have to pay when I originally had my own bank and they convinced me to go with their bank for the loan.
On XXXX/XXXX/17 a charge, " Other decrease '' of {$38.00} was charged to my mother 's account, whose only income is XXXX payments. I contacted Citibank customer service, who indicated that it was a charge but for a different account, which was closed years ago. They said they could not take my complaint and asked me to write to Citibank Exception Processing in XXXX XXXX, Texas. It has been a month since I sent them a letter and so far no response from Citibank.
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX Consumer Complaints American Coradius International LLC Consumer Financial Protection Bureau XXXX Headquarters XXXX via website XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX XXXX, CA XXXX XXXX : XXXX/XXXX/XXXX statement from American Coradius International LLC I received the attached creditor demand dated XXXX/XXXX/XXXX just after the XX/XX/2017. I was surprised as this was the first time I became aware of an outstanding matter with XXXX. I have not used XXXX in years, and when I joined my use was infrequent. I do not even know my log in credentials. If I owe money for some reason I would appreciate the details. To have revert to a collection agency was unfair and slanderous tactics. 

Kindly provide detail for this matter so we all can arrive at proper satisfaction. 



XXXX XXXX
My Mortgage is through Rushmore loan management. We are now in mediation. I applied for a loan modification in XX/XX/XXXX which was approved so I started making the payment via verifiable funds ( XXXX XXXX ). For six months I made payments. In XX/XX/XXXX I had to have XXXX and my short term XXXX was declined. So again I fell behind. Now according to them they sent me papers confirming my modification after the 6 months of payments which I never received. Not knowing the modification was not final and falling behind again, I request another modification. Now I found out that the payments I made in XXXX went back to XX/XX/XXXX. Which put me 19 months behind, So of course I tried to work it out and requested a new modification. That was denied so I appealed and it was denied as a FINAL denial. So now mediation. Well at mediation XX/XX/XXXX I was informed that my fixed rate loan was changed to a ARM and it has doubled my payment plus the late fees and repayment plan. Over 3000.00 a month they want. I never like this company and have heard of many people to whom have also had issues with them. They are hard to get on the phone don't return calls and never give you all the facts.
The same debt is and has been reporting XXXX on my credit report. The original creditor is XXXX XXXX XXXX XXXX XXXX and the duplicated account is XXXX XXXX XXXX which was opened on XXXX 2014 for the same amount. Please see the attached credit report provided by my mortgage lender. This single debt should not be reporting XXXX and is in violation of the FCRA.
I paid off the remaining balance on my loan on XX/XX/2019 and cancelled my enrollment in autopayment ( which has been going on for years ). NAVIENT processes a payment on XX/XX/2019 for {$270.00} even though the loan balance was zero and the autopayment shows up in the website as stopped. They said it was already scheduled. They then said it would take 30-45 days to refund the over-payment. This is a scam. Everything is run by computers and I checked the balance on XX/XX/2019 and it showed zero and said the load was paid-off, also showed autopayment was cancelled. 
I then told the agent on the phone that they should pay me back interest at the 5.125 % that they charge me to hold my funds. 
Again this is a scam by a large company and the most complained about financial institution in the USA, probably the world. 
If they can withdraw funds from my bank in a single day, then there is not reason why they should not be able to retunr the funds in a single day.
I disputed the accuracy of the information reported on my credit report XX/XX/2017. I never received a response detailing the debts accuracy and fairness.
I 'm going through the process of freezing my family 's credit. This is taking time and why I have n't called the agencies yet. My issue is, Ohio has a law allowing us to freeze our minor 's scores : http : XXXX However, Transunion and XXXX do not provide an option to do this. This is contra to our law. I should be able to as the parent without an actual identity theft action.