WillisBack/dataset-financial-user-claim huggingface dataset:
back in XX/XX/XXXX, I had purchased a product ( all 3 credit report from the 3 bureaus ) forXXXX. this was due to the unfortunate aftermath of the XXXX data breach. after discovering and making corrections on my credit report via XXXX, I received a letter from XXXX stating that my request was fulfilled and I needed to check back with each additional bureaus to assure the changes were reflecting as well. So I decided to jump on Experian to check my report, it was then that I was offered to create an account which would allow me to monitor my credit score and report for FREE. like any story it sounded too good to be true in fact there was a small fee of {$4.00} that needed to be paid. I paid the {$4.00} fee and ensured that there weren't going to be any featured or future charges so I immediately called Experian to have my membership canceled, I took extra steps to go ahead and even turn off the debit card that I used just to be on the safe side since I barely use the card anyway. Fast forward to XX/XX/XXXX after recently turning my subject debit card on I saw a charge of {$39.00} on my account dated for XX/XX/XXXX and processed on XX/XX/XXXX. I immediately called the customer service line and WAITED for 1H:32MIN before I was able to speak to customer service Rep. after an additional 35 min ( total phone time now at 2H:7MIN ) the supervisor offered me a {$19.00} refund and stated that's all she could do at her level, I then proceeded to ask her for the next higher echelon which according to her would be " XXXX '' to help me resolve my problem and get me the rest of my {$19.00} back. now before you tell me that I should have read the fined print which I did and called to get my account canceled, it wouldn't even be fair because these guys weren't actually able to charge my account for all this time, which means I wasn't even able to enjoy whatever this product they offered, and as you can see below I had plenty of time on the phone waiting to be spoken to that I even successfully navigate their complex website to cancel my account myself. 
with that being said, I respectfully asked that you issue my refund in full ( {$39.00} ) or for the case {$19.00} if the supervisor I spoke on the phone with, promised to refund the first part, her name was XXXX XXXX I believe ( could be off on the spelling ). 
You can imagine that I have spent a lot of time these guys, I ask again please issue my refund on the XXXX card ending in XXXX ( full card number is XXXX ) email confirmation of canceled account : On Wednesday, XX/XX/XXXX XXXX XXXX, Experian XXXX wrote : Experian Membership ID XXXX XXXX Member Sign In " My Name '', see your FICO Score now for free. 
Your Experian IdentityWorks Premium benefits have ended. Knowing where your credit stands can help you make better financial choices and get closer to the things you want. 
How to make the most of your new free account :
To CFPB, Starting from XX/XX/XXXX as a point of reference to start from, I had noticed I had a few Voicemails and opened and listened to them. I had been out of the country from XX/XX/XXXX-XX/XX/XXXX so was not answering my phone for international phone calls. After listening to the Voicemails I realized it was Upstart who I hold a loan with. I called them and asked if there was a problem with my account. They indicated I had 3 late payments added to the last 3 months of payments. I was surprised and asked why, which I was told that I was late on all those payments. I recalled the past five months dates and amounts which my checks cleared on : XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX {$790.00}, XX/XX/XXXX - {$790.00}, XX/XX/XXXX - {$790.00}. My grace period end date is the XXXX of each month which after late fees are assessed. 

The following is the information I received via email about the amounts I owed for the referenced months. 

XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} XX/XX/XXXX payment : Notification Received on XX/XX/XXXX and monthly payment referenced {$790.00} In speaking wit Upstart and you can see above, for the month of XX/XX/XXXX my payment was mistakenly XXXX cents short ; Payment : {$790.00} vs owed {$790.00}. I accidentally made a mistake with the XXXX cent increase from my previous months payment, but then all the following payments you can see I over paid by XXXX cents each month. In all me email notifications about the upcoming payment, those payments never included any late fees in the notifications or added them to reflect my true amount due. I was under the impression I was always make the full amount payment, but in fact because XX/XX/XXXX payment was XXXX cents short, all my payments thereafter were first being applied to the late fee which was applied to the XXXX cent shortage on XX/XX/XXXX payment. Which then had my account never fully paid and another late fee charge to occur every month. If the mentioned emails are needed as evidence, I can provide. 

I have reached out to Upstart and spoke with them, but they are unwilling to take into consideration in the amount which started this whole fiasco of XXXX cents, and that I for multiple months after overpaid by XXXX cents. I am asking for all late fees to be waived ( 3 each in the amount of {$15.00}, totaling {$45.00} ). 

Thank for you time and effort.
LOT OF CREDIT IS OLD.I want them off my credit now. lot of the credit is not true. I want to take it off my credit report now.
Chase Credit Card is listed on my credit report. I did not charge anything on that card. It was fraudulently used by someone other than me.
On or about XX/XX/XXXX I discovered that Trans Union was reporting an alleged Tax Lien on my credit report known as : FEDERAL TAX LIEN, XX/XX/XXXX,  XXXX, RECORDER OF DEEDS, INTERNAL REVENUE SERVICE, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth. 

On XX/XX/XXXX I sent Trans Union a letter ( see  attached ) using Certified Mail and not only disputed this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. 

The response I received from Trans Union was they undated the file ( see attached response ). How can you update a file without sending an employ to the Court House and obtain accurate and verifiable evidence of such an account? 

It 's important to note here that on XX/XX/XXXX the Credit Bureaus agreed to remove any and all such incomplete records that were missing the above mentioned information ( see attached letter from the XXXX XXXX XXXX XXXX, XXXX ) that the CB 's agreed to comply with the Attorney Generals throughout the Country. 

It is also important to mention that neither XXXX or XXXX are reporting this alleged Tax Lien ( see inclosed reports ). 

I contacted the Clerk of Court and ask them what their reporting procedure is for reporting information to Trans Union and the Court responded that they do not directly supply or report any Court information to Trans Union unless Trans Union sends an employee to the Court House ( see attached letter from the Court ). 

I also contacted XXXX XXXX and about this allege Tax Lien and they responded that there is no record of this alleged Tax Lien in their records either ( see attached letter from XXXX XXXX ). 

Suffice to say that Trans Union needs to comply with both Federal and State Laws and delete this erroneous filing immediately and send me copy of that deletion for my records. 

Thank you for your kind consideration. 

XXXX XXXX
Someone in the State of Utah has obtained my personal information. They were even working with my social security number. There were numerous collection accounts showing on my credit report. I have been successful in removing several but not all. These accounts are not mine and I do n't understand why the credit bureau is refusing to remove them. Please advise as to how i can have these removed as they are seriously affecting my life. Im trying to move into a home and this is causing a huge problem. I could potentially be homeless with my XXXX children. 
thank you!
I was called by XXXX XXXX letting me know on XX/XX/XXXX some one did a credit increase online for my XXXX XXXX account to XXXX. Then on XX/XX/XXXX a purchase of {$12000.00} was made at XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX NY XXXX phone # XXXX XXXX XXXX. 5 pieces of jewelry. A fraud case was open case # XXXX. I.have spoken to various people over the course of XXXX to XX/XX/XXXX. I was told the case was closed on XXXX and I was not found responsible. Letters would be sent to all 3 credit bureaus. Well on XX/XX/XXXX I reviewed my credit and this fraudulent activity has caused my score to drop from XXXX to XXXX. I was told this would take 30 days to be corrected. My credit is important and it seems no one wants to rush to get this corrected.
I am a military member of navy federal credit union. I was looking for a part time job, and was contacted via email on a at home job offer. I was mailed a check for suppliessupplies I deposited the check in my account at the local navy federal, and was given the direction to send a XXXX to the supplier. Not realizing it was a scam due to my hopefulness and being excited about bringing in some extra cash. Once I realized that it may have been a scam I contacted navy federal. They informede there was nothing they could do till the checked cleared as fraudulent. So security locked my account, and told me to come back in a week and they would see what they could do. A week goes by and my account goes - {$2800.00}. The check was indeed fraudulent. I went to the bank and asked if I could make some type of payment arrangement because I could not afford paying that amount back. They told me no, I 'm responsible for the charges and there is nothing they can do to help. I spoke with a XXXX XXXX bank and they said navy federal should have been able to tell the check was fraud before they allowed me to cash it. And I specifically remember the bank teller being unsure of the check and asking her supervisor about it but the supervisor said it was fine. I understand my mishap, but navy federal bank tellers are horribly trained to look for these fraud checks. So now I am behind on all my bills on my navy federal account which includes my car loan personal loans and credit card and line of credit. I was already financially struggling, now I 'm in a black hole. Navy federal will not do anything to help me. Now with no money because I did not receive my last check because it went to the negative balance, no money for next check, behind in all my bills including rent with no help from anyone. How is it that navy federal has no protection for there military members and families. How is it that the people that serve your country can end up homeless and hungry, and in even more debt because of a scam, and their bank not care. I understand my fault, but being in the military I forgot about the scumbags in the world that prey on innocent people looking for a better chance in life.
This is my SECOND complain exactly on the same issue. XX/XX/XXXX after filing my my original complaint Bank of America agreed and " corrected '' the problem until XXXX XXXX when the exact same TEN DAY HOLD issue started again XXXX I have a large XXXX Mortgage " Line of Credit '' with Bank of America. Whenever I make a loan payment over {$5000.00} ( which I do often ) BoA places an automatic TEN business DAY HOLD on each payment EVEN if my payment is made by a Federal Wire Transfer and even on my business checks written from Bank of America on the grounds that they unilaterally determined that any payment over {$5000.00} is " suspicious '' EVEN wire transfers and checks drawn on their own bank. Given the definition of a " Line of Credit '' typically involves a certain velocity velocity for large payments and withdrawals. TEN DAY HOLD is simply stupid
I scheduled payment to BBVA Compass through my XXXX checking account on XX/XX/18 for {$88.00}. XXXX XXXX sends a paper check to BBVA Compass which should arrive within 5 business days. On XX/XX/18, I contacted BBVA Compass to find  out why my payment had not been posted. They responded that they had not received it. I placed a stop payment on the check on XX/XX/18 as I figured it had been lost in the mail. It was not a regular payment anyway, but an extra one. I contacted BBVA Compass again and let them know I placed a stop payment on the check and asked if it would cause any issues with my account. I was told all I needed to do was contact XXXX and make sure the stop payment was in effect - nothing about a fee they were going to charge me. On XX/XX/18 they received the check and presented it despite my letting them know I had stopped payment. They then charged me {$16.00} and refuse to credit it back despite my thorough explanation of what has transpired.
Commonwealth continues to insert fraudulent accounts into my credit file. Not only are these accounts getting inserted commonwealth is failing to communicate to me that they hold any accounts under my name. I am not being given my right to dispute the validity of each account to inform Commonwealth that these accounts do not belong to me and are a direct result of identity theft. You are hereby notified that I am a victim of identity theft and the accounts listed below that appear on my credit file are a result of identity theft. I I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I have been denied by over 160 rental applications. XXXX, TransUnion and XXXX  are attacking me and forcing me to live in the streets and in XXXX   shelters. This country is using credit scores to gain acceptance into rental housing. It is demanded everywhere to have a minimum XXXX credit score in order to even apply for a rental apartment. I can not get a rental apartment and am forced to live with relative. This is an attack against a human beings right to shelter and healthy physical and mental wellbeing. I file a criminal attack against these bureaus. Why is my student loan in my credit report when it is on foreberance? I see only two issues on my credit and that is the student loan from XXXX XXXX University and the XXXX XXXX bill who sold all {$15000.00} worth of property. They sold all my property and some in brand new condition and yet still charged me {$2000.00} to settle the account. What is happening to America when the constitution is being buried in the ground? This is against inalienable rights and an attack against my mental and physical wellbeing. I have over thirty years of established credit and the attack is that the credit reporting reports nothing of positive influences but only seeks issues in which to destroy citizens rights to satisfactory living and lifestyles. Something must be done. I have over thirty years of payments and working with creditors to establish credit and yet my credit is worse than when I left high school in 1995. When I left high school in 1995 my credit was a XXXX the minimum and I never established any credit with anyone. I am XXXX XXXX years old and my credit is worse than when I left high school and have have made hundreds of thousands of dollars in payments to creditors. So what if I fell behind or missed payments once in a while? What kind of abusive criminal attack is this against the American citizen.
XXXX and XXXX  wells fargo student loans. They have marked me down for a 60 and 30 day late when this was reported incorrectly. I talked with the agent back in 2013 but was not successful. The loan was paid off and they still reported it 60 day and 30 late. This is very incorrect information. 

XXXX XXXX
I was contacted by XXXX with United Check Recovery Bureau. I asked him to remove my number and to not contact me further and he refused and continued to talk with me about the debt of a former spouse. I asked him again and he continued to harass me and not acknowledge my request to remove my number. 

I finally told him I was going to file a complaint he became rude and laughed at me and said " File a complain with who? '' I told him the FTC and at that point he decided to listen to my request to remove my number. 

He was trying to be intimidating after I had already told him 2 days earlier that I am divorced and not responsible for the debt. 

The phone number that dialed me from was XXXX
I 've have disputed this a few times and have provided Equifax supporting documents to clear this from my credit report. I 've attached my 2009 tax return regarding this tax lien that was file against me. 

Respectfully, XXXX XXXX XXXX
Please view all enclosed attached documents and take appropriate steps to have bank and all re comply to the standards set forth for the protection from online consumer thefts. 

Initially noted theft XX/XX/2001. 
XXXX, XXXX provide more details with dates and time stamps. 
Because of difficulty with Ofcr. XXXX of the XXXX XXXX, PD, other venue is being sought out to expedite prosecution.
I have disputed a state tax lien on my credit report with Equifax. The first attempt was denied and stated that the tax lien was reported accurately and they needed additional information. I then filed another dispute with them, this time providing a copy of the letter from the courts, signed by the judge stating that the state tax lien was vacated and withdrawn because I did not live in that state during that tax year. Equifax once again denied my request to remove the tax lien from my credit stating that I needed, even MORE, information like two copies of identification, a copy of my social security card, the letter, and a bunch of other information. I was also informed by the state where the tax lien was originated that they have contacted each of the credit bureaus and informed them that the tax lien was in error and has been vacated and withdrawn. I have sent the letter out from the court ( which includes my social security number on it, so there is no confusion as to who it belongs to ) and the only bureau to give me the run around and refuse to delete the tax lien has been Equifax. This has become extremely frustrating considering I should have never had the tax lien on my report in the first place.
The credit companies are reporting I have a Bankruptcy and Tax liens reported by different courts. The courts DO NOT report Bankruptcy or Tax Liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
XXXX, XXXX ACCOUNT # XXXX amount XXXX date XXXX
I have contact Design receivables numerous times to validate this deb to be mines. I have asked for my signature to show that this debt actually belongs to me and have yet to hear any correspondence from this collection agency. I have also ask if they are governed to collect debts in my state and city. This debt doesn't belong to me and every attempt that I have made I have never gotten a response. Yet this debt goes up and I am also wondering how can a debt owed increase. I would like this account removed for because it doesn't belong to me.
I have a Rush Card prepaid debit card, and my direct deposit posted to a card that I do not have nor exists, but suddenly showed up in my account after their " glitch '' on XXXX XXXX, 2015. I can not transfer my funds onto my actual debit card because the " card '' that my funds were deposited on is inactive. It 's inactive because it does not exist. I called member services through rush card and was told that my issue was escalated as high priority and within 24 hours they would transfer my funds to my actual account so they will become accessible to me. Instead. It 's 72 hours and nothing has been done. I keep getting the run around, and no one from their customer service can tell me how I can get hold of my money. My bills are do, my daughter needs food, and they refuse to help me transfer my funds out of this inactive card. I understand they did have technical difficulties over a week ago, but it 's been 11 days and their systems are still inactive and holding consumers funds? All I need is my funds transfered so I can withdraw my money.
My Wallet Was Stolen From Me At The Mall After Telling Multiple People That Work For TD Bank That I Suffer From A XXXX XXXX And XXXX XXXX XXXX XXXX And I Have To Keep My Private Informations written Down In My Wallet They Still Refuse To Reimburse My Money And Continue To Deny My Claims
i had received a loan from atlantic bay mortgage. in the very beginning i signed a disclosure being approved for a loan of XXXX and they also sent me a estimate a week later. all full well knowing how many houses i had and how much rent i collect on each one. so it was so posed to be only XXXX % down on an investment loan. as what the disclosures i signed showed. then came the closing and they changed it up on me with out giving me 3 days of notice and no new disclosures to sign as the new law states. i had to call to find out why i had to come up with so much more money in the very end. thats when he told me XXXX XXXX requires XXXX % down since i have so many # of houses.which changed the loan amount to XXXX. i said you never told me, then he said. " oh i never told you? thats my bad! '' i asked if they could change it back to XXXX % down being that they never told me until i had to call them up wondering what the change was. even knowing they threw me a curve ball with out any notice at all, he and his boss said there was nothing they can do about it now.
In my previous dispute with XXXX ( XXXX XXXX credit card account ). I mentioned that I was an authorized user on XXXX XXXX 's account. This account entry was removed from my XXXX  and XXXX  reports without either consent and had not been updated on XXXX since XX/XX/2018. In the letter dated, XX/XX/2018, from XXXX, they specifically stated that they would submit a request to the credit reporting agencies, XXXX, XXXX and XXXX to request this account appear on my credit profile. It has been well over 60 days and my reports are not updated. This account has not been added to my XXXX nor XXXX report. This is unacceptable and is poor customer service on behalf of this company. Being that XXXX XXXX XXXX see attached letter XXXX, with the XXXX XXXX XXXX, provided this acknowledgment and is yet to fulfill is very questionable about the practices of this company. This is deceit to the fullest as they have not reported to the bureaus for them to update my profiles accordingly and I am therefore suffering pecuniary consequences. 

Update my credit reports accordingly and immediately as I have been delayed well over 60 days. I would also like a copy of the request this company is sending to the bureaus as proof of receipt that they are indeed advising the bureaus to update, but the bureaus are blatantly not reporting.
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.