WillisBack/dataset-financial-user-claim huggingface dataset:
In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court. Th is tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both Transunion and  XXXX  are refusing to remove this from my credit report.
I sent {$520.00} to a friend in XXXX via Money gram. I stated I wanted the money sent in US dollars when she asked if I wanted US dollars or Euros. When my friend went to pick up the money it was in Euros and he had the added hassle and expence of having to convert it back to US currency. The receipt was folded up and stapled together with only the recipient 's name and reference number highlighted and visible. When I found out he got the money in Euros rather than US dollars I removed the staple and found that Money Gram gets extra money when it converts my US dollars into foreign currency. Doing so benefits Money Gram financially but is counter to my request for sending US dollars only. I'm sure it is company policy to maximize their profits by ignoring the customer 's request and it was no mistake they sent my money the most profitable way for the company.
Wells Fargo opened a fraudulent personal loan under my name and social security. I've personally complained to the company directly at least over 10 times. All Wells Fargo has done was open and close cases without addressing any issues. They make false promises of throughly investing my claim or returning calls to management call backs none which has taken place. Ive went about and beyond sending all requested documents to even sending letter and travel documents to prove I wasn't even in the states to open the account. My claim has failed on deaf ears. I've tried to escalate to the highest level in Wells Fargo but nothing has been done.
I purchased {$750.00} of Litecoin with Coinbase on XXXX/XXXX/XXXX. Their expected delivery date was XXXX/XXXX/XXXX. It is now the XXXX/XXXX/XXXX and I still have not received anything. My credit card statement shows Coinbase transaction of {$750.00}. I contacted Coinbase through their website and only received generic responses. Opened a Case # XXXX with their support. So far nothing. Not a single email, phone call, and attempted to call them. Only to be put on hold for over an 2 hours then they hang up the phone.
I am XXXX yrs old. Live on fix icome. I could not cover my mortgage payment so bank of America charged me a total of XXXX dollars XXXX nsf charges and XXXX XXXX fee for having my account negative. for 3 days. I spoke to them thet said they could only reimburse me XXXX. I told them I had contacted the bank but they could not do anything because it was automaticlly going to take XXXX tries to withdraw the money. Yet Bank of America still kept charging me nsf fees. Which I think is an abuse.
On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
After 11 months of loss mitigation efforts, a modification was offered, however they only gave me 7 days  ( 5 business days ) to review and come  up with a down payment of  XXXX . We had an appeal sent out today to give us more time, but the down payment they are requiring is to " create an affordable payment '' however, I can not come up with that kind of down payment when they know my hardship was loss of income. I am back to work now and look forward to working with them but a down payment of  XXXX  is counterintuitive and almost impossible.  <P/> Also, I have been in review for several months and the sale date for   XX/XX/XXXX  was never cancelled, so we are citing " dual tracking '' and we are requesting that the foreclosure be placed on  hold while we try to find another, more reasonable solution. They are stating if I do not pay them  XXXX  by tomorrow the sale will still take plac  e on  XXXX 2017.
The lender moved for a foreclosure judgment or conducted a foreclosure sale in violation of Regulation X 1024.41 ( g ) or ( j ), which is a covered error under Regulation X 1024.35 ( b ) ( 10 )
During the months of XX/XX/XXXX through the present XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has assisted me in attempting to refinance mortgages on two of my properties. XXXX XXXX XXXX, Vice President ( XXXX ) is working closely with me regarding refinance process. In reviewing my credit report XXXX XXXX noted that their were errors on my report regarding Home Equity Line Accounts. Specifically, on my New Jersey home XXXX XXXX Case was reporting three home equity lines where in fact there was only one. In addition, they were reporting these home equity lines as open lines of credit which they were not. Consequently, I requested a letter from XXXX XXXX XXXX specifying that there was only one account, not three, and that this account was no longer an open line of revolving credit, but was in fact closed and therefore should be recorded to the credit agencies as an installment loan not an open line of credit. Numerous letters wee sent to Equifax stating this fact. No matter how XXXX XXXX XXXX structured the letters, for some reason Equifax consistently found the letters unacceptable. They finally advised XXXX XXXX XXXX XXXX  that the most recent letter received by them from XXXX was acceptable and that my file updated and further instructed XXXX XXXX XXXX XXXX to pull a new file as per the attached email from them to XXXX XXXX XXXX XXXX onXX/XX/XXXX. Once this report was requested by XXXX XXXX XXXX XXXX it reflected no corrections whatsoever. When XXXX XXXX XXXX XXXX contacted Equifax by phone to call the XX/XX/XXXX email to their attention they were met by a rude, uncooperative, and hostile response. Equifax informedXX/XX/XXXX that even though they instructed XX/XX/XXXX to pull a new credit report and even though they acknowledged the acceptance of XXXX XXXX most recent letter they nontheless refused to correct and update my credit report. This resulted in a substantial drop in my credit score because XXXX XXXX XXXX XXXX pulled a second credit report ( as per the instructions of Equifax ) and because of their refusal to correct and update my credit report. This has caused me irreparable harm in that I was unable to obtain mortgage re financing at extremely favorable rates and terms and has caused increased interest rates on other obligations. Therefore I am requesting assistance in demanding that Equifax honor its XX/XX/XXXX memo and that Equifax also retract the second credit pull of XX/XX/XXXX and that they immediately correct all records and my score accordingly once their records are corrected.
Good Day XX/XX/XXXX I repeatedly try to work out an agreement with XXXX to lower my monthly payments from {$340.00} to a minimum of {$150.00} due to my employment status has changed after my car was totaled. After my car was totaled by the insurance they paid XXXX XXXX XXXX nearly {$11000.00} which left a balance in XX/XX/XXXX. I made a payment in XX/XX/XXXX of {$200.00} a payment of {$150.00} in XX/XX/XXXX also {$150.00} in XX/XX/XXXX ; which does not constitute being more than 30 days late & causing my credit score to plunge. Also I spoke to gentlemen by the names of XXXX ( XXXX ) & XXXX ( XXXX ) back in XXXX & they stated that the last couple of reps never completed what I requested or never have the ability to fill my request of a lower monthly payment. Also my issue with WFDS is that 2 reps before XXXX & XXXX assured me this was something they could take care of ; if I knew from the beginning they couldnt process my request I wouldve had the chance to use another option. But I wasnt giving that opportunity so this is the reason Im disputing. Again this will be the 2nd letter I had to type ; XXXX XXXX XXXX WILL NOT NEGOTIATE LOWERING MY PAYMENT FROM THE INITIAL PRINCIPLE BALANCE PAYMENT OF {$340.00} TO A MINIMUM $ XXXX   MONTHLY WHICH I HAVE BEEN REQUESTING SINCE THE CAR WAS TOTALED OUT IN XX/XX/XXXX. The point is that the reps I spoke to XX/XX/XXXX/XX/XX/XXXX lied & stated that it can be reduced which never happened until I kept getting phone calls from the automated service to call in which caused my suspicion. My issue is how can you still charge the principle balance amount when the principle amount is not there. Also I requested 2x to have it reduced in which I was told by 2 reps it would be completed and it had me under false pretenses that it was completed. Also I never disregard paying XXXX Ive made payments what I could afford ; so they have no legal right reporting me to the Credit Bureaus without at least reducing my payment as requested previously.
I paid the monthly payment, online through Capital One 's website, in the amount of {$50.00}. The minimum amount owing was {$46.00}. The next morning when I checked my bank account, the site had taken {$1400.00} from my account! I called and was told there was a hold on the payment, since they thought it was " odd '' ... .but they could n't do anything about it, except put me in touch with a representative from my bank. My bank said they could dispute the charge, and reverse it, and that 's what I did. I then sent a payment of {$50.00} via a check, ( not wanting to go through that nightmare again ), which they received and cashed. Two days later I received a letter saying my credit card had been closed, but I still owed the balance. Then I get a bill from them for the entire balance, plus a late fee and over limit charge.
The company has been refusing to properly validate a debt that has been on my credit report for a long time, and I have been damaged as a result. The company claims that I had an original account with some other party and they have been assigned the right to collect it. They need to provide proof of everything about that to me. They need to provide the original contract between them and the original creditor with a true signature and a signature of a qualified employee of that original creditor, they need to provide the full accounting, they need to provide proof of the assignment or the purchase they made from the original creditor. The right of subrogation does not exist for a stranger to the transaction. XXXX, XXXX. There is no right to substitute someone or some entity that was not on an original contract. It is not allowed. I have never done business with this company and I have no idea who this company is. Additionally, I know they have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize them to have access to the information. I intend to pursue filing a legal complaint unless they immediately delete this item from my report and stop all attempts to collect. Of course, I want that in writing too
I purchased a XXXX XXXX XXXX from XXXX XXXX buy here pay here in XXXX XXXX. According to there web -page application process they advertise Helping people rebuilding their credit. Not so, when asked if they report to the Credit Bureau I was advise no. Why advertise this This is deceptive and Abusive practice to customers who want a chance at rebuilding their credit No I have n't been on time, but let me believe is wrong. I want a refund of The payments I have made so I can work with honest people that wo n't lie tour To me. I would have never found this out if I had n't pulled my credit report..
I am XXXX of the small church, The XXXX. 
Our church is a customer of the bank Chase, account NO. -- XXXX, account name : XXXX. 
The bank has caused our complaint since XXXX. 
We found a serious problem in our account : The checks that we had issued and the bank had paid in XXXX were used again in XXXX, the bank paid to someone ( XXXX ) about {$1800.00} ( four checks ) from our account. Even though the name ( XXXX ) of " pay to '' was written over the original names that they were already used. We guess an employee of the bank used the used checks. This problem came from the chase bank 's mistake 100 %. 

We claimed the bank to return our money {$1800.00} to our account XX/XX/2016 ( claim No. # XXXX ). But the bank did not even though we have asked every week. They are repeating, " wait ''. The branch bank : No, XXXX address : XXXX, TX XXXX We think the bank must return our money at once. We need the money.
Our automobile leasing company, Nissan Motor Acceptance Corp. ( NMAC ), began paperless statements. I did not know this. We don't use computer that often. I realized that we did not get a recent bill and contacted them. I was informed that we were 2 months in arrears nearing a third month overdue. I immediately paid 3 months to become current and requested they return me back to mail statements. I found out shorlty after it was reported to the credit bureau as delinquent and our credit score was reduced almost 100 points. NMAC should have contacted us by phone or mail to alert us we were late with a payment so we could have paid our bill, for sure, less than another passing month. Also notify us that if we didn't respond it would be reported to credit bureau. There is no customer service here at all.
-XX/XX/XXXX : was supposed to get a refund of over 300.00 from Delta Airlines credited to my account. This has not happened. 

XXXX XXXX : cash deposits not immediately credited XXXX XXXX to present : rent and car loans repeatedly submitted and rejected, causing multiple insufficient fund fees and late fees XXXX XXXX to present : debits and credits posted in an irregular fashion
On my Equifax credit report, I have a negative item from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NV XXXX in the amount of XXXX. 

On several occasions over the past month I have disputed with Equifax that this debt was was actually paid as agreed, and requested proof that the debt was not paid as agreed. Each time I receive a reply that that have confirmed that the debt is being reported accurately. 

However, on not once has Equifax or XXXX XXXX XXXX XXXX been able to provide me with a single document showing that I did not pay the debt as agreed, even though I have requested such documentation. It appears that Equifax is simply asking XXXX XXXX XXXX XXXX " are you reporting this accurately '' and taking their word for it. 

How can Equifax be verifying this debt without having some sort of back up documentation that it was not paid as agreed? Why hasn't this documentation been provided to me? A ledger card, contract, or any number of other items would suffice in proving this debt was not paid as agreed. I have attached my most recent request to Equifax that outlines some examples of documents that would satisfy me as proof that I did not pay this debt as agreed. 

How can it possibly be legal, or ethical for a company to that is responsible for providing accurate consumer information to report such information and then claim that have verified it without providing appropriate documentation of the debt?
I have been making charitable contributions of money to individuals in XXXX for approximately three years through Western Union , Inc. These are now XXXX very poor families. There is nothing unlawful or divisive about these contributions. Lately I have made nearly XXXX transactions per month of small amounts of money for these families to purchase food, clothing and other life necessities. Suddenly I was arbitrarily and capriciously blocked from using their services. An action quite contrary to their advertisement. I have sent emails as I was directed by the company 's email and spoken to several company representatives to no avail. On XXXX XXXX, 2015 I was on the phone with XXXX different individuals for more than an hour and was told by the last individual that the action was result of a " business decision ''. Each individual indicated they did not have privilege to the information relative to the reason for this action. Whereas my attempts to interact with the company for resolution have each failed I turn to this agency for assistance with resolution.
Information that was removed from my credit report according to Credit Karma. This was over 6 months or so ago when I disputed the accounts and they were removed. As of XX/XX/2018, when I checked my Credit Karma account, these accounts were put back on my report. By law, this is illegal. There must be something in writing concerning this. I have not received anything. This is causing henderence to my credit report and score. I would like for XXXX  to remove these and keep them off. Please advise.
I am a member of Wells Fargo. I have noticed that on several occasions they would take the money out of my account only to put it back in there the next day. Example if I purchased a room on Tuesday they would take the money out and the next day putt the money back in the account. At first glance I thought that it was the merchant doing this, however, I was completely wrong. They did this with my phone bill and with my hotel purchases. They would take it out and put it right back in the next or same day. My checking account was over drawn in the amount of XXXX. That made my rent late, and my car note late as well. At first glance I thought it was me but it could n't be I only use my card for major purchases. Wells Fargo has taken my whole check saying it was nsf fees but how when I only use it for major purchases and deducte it from my account. I am appalled and vey disatifed. What am I to do?
I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on my credit report.
On XX/XX/XXXX my ATM card was stolen and several unauthorized withdraws were made. Upon reporting to Bank of America onXX/XX/XXXX and they said they would promptly investigate the issue. Instead the bank 's fraud team promptly denied the issue on XX/XX/XXXX. As of now XX/XX/XXXX I just received my fraud affidavit yesterday on XX/XX/XXXX Therefore hindering my and law enforcement 's investigation. I have been to the XXXX XXXX Sherriff 's Office XXXX XXXX XXXX Station on XXXX XXXX and spoke with Deputy. XXXX XXXX and Deputy XXXX XXXX of the XXXX XXXX on the dates of XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX. As of today I have not received any provisional credit nor has my fraud claim even been investigated by Bank of America. Now that they have provided me with the fraud affidavit I will file an official police report by no later than XX/XX/XXXX.  Also several online transfers were made using my personal information to fund these purchases and withdraws. Bank of America has repeatedly lied to me and force stopped my investigation and also has closed my account.
This original credit card issued through XXXX XXXX XXXX account # XXXX in the amount of or close to {$90000.00}, has had no correspondences, payments and or activity on it in more than 6 years and the time statue in Ca at this time is time should qualify for collection agencies listed below NOT to be able to pursue any legal remedies.
I have a private institutional loan that was serviced by ACS for several years and I made payments through their website. Recently, I got an email from ACS saying that their company name was changed to Conduent but I would still be able to log into my account with my username and password and make my payments. 
However, that was not the case. I could not log into my account with my credentials. I tried changing my password and after having an unreasonable amount of trouble doing this, I got into my account. Once I was into my account, the website kept displaying error messages when I attempted to make a payment and I was ultimately unable to do anything. 
On two separate days I attempted to send Conduent a message via their " Contact Us '' web form on their website. 
They have never responded to my messages and I have still not been able to make a payment.
What you are doing TransUnion is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and TransUnion, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency XXXX not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, TransUnion you are reporting a XXXX XXXX student loan that is more than 10 years old ( from the original delinquency date ) and that account is negatively impacting my credit score and decisions of lenders, including the REMARK SHOWN IN THAT STUDENT LOAN ACCOUNT ON MY CREDIT REPORT AND THE FACT THERE IS NO PAYMENT HISTORY. 

These are my XXXX requests : ( 1 ) Remove that XXXX XXXX student loan from my credit report now, it is older than 10 years from the date of original delinquency ; it is outdated information negatively affecting my credit score and the decisions of lenders ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of that XXXX XXXX student loan account ; send the ORIGINAL DELINQUENCY DATE to either my email address on file with XXXX or my mailing address on file with XXXX or through an electronic online file at your website that I can access. That information is not my right, but if the student loan is not outdated ( it has been less than 10 years from the original delinquency date ), I will withdraw my request to remove it from my credit report. That date is imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you TransUnion for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you TransUnion
Debt doesn't belong to me, company put in on my credit. Never had a XXXX account before. I asked them to remove it, they still have it on my credit.
I received an email on XX/XX/2018 from my Transunion account stating my credit dropped 36 points. I called and was told they could not offer me an explanation as to what caused it to drop, they reviewed the 6 factors that may have cause it, I explained nothing had changed from XX/XX/XXXX to XX/XX/XXXX to  have caused that drop. They offered me a copy of my credit report. Once I received and found no changes from XX/XX/XXXX to XX/XX/XXXX that could have caused a 36 pt drop I called again. I spoke to XXXX ( XX/XX/18 ),  XXXX explained the 6 factors and went over my accounts with me which I explained they were all the same, nothing has changed. XXXX could not give me a reason for the drop, I was transferred to a Supervisor XXXX. XXXX also could not explain why it dropped 36 pts but explained he  would remove a few accounts that would be dropping soon anyhow. About a week later my score went back up to XXXX. On XX/XX/XXXX I got another alert that my score dropped 39 pts and the 1 change in my report was a balance decrease of {$310.00} on my XXXX XXXX. I have been working on my credit for some time now and having Transunion dropping my score by 36 and 39 pts at a time is causing a huge hardship for me, especially when they can not explain why its being dropped. I can not work on fixing a 36/39 pt drop when they can not explain the reasons. I hope you are able to assist me with this issue.