WillisBack/dataset-financial-user-claim huggingface dataset:
transunion file # XXXX I was trying to verify bankruptcy on my credit report. Agency took to quickly to verify account. I challenge the verification method. After talking to the bankruptcy court listed they dont report records. I demand the correspondence ( paperwork ) received from the bankruptcy court. If no proof is given to me its hearsay. I demand to remove the bankruptcy if proper verification wasnt performed and thats something from the court. I have a letter handy that no transunion contacted them to verify anything in my name. Without proper papers from the court with my signature this remark will need to be removed per the fcra rules.
I was charged " excess tax fees '' multiple times when transferring money between accounts online. The fee is {$9.00} each time. These fees were charged XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Basically my credit cards have been paid to XXXX dollars for the past month and they have yet to update on my credit report. This was done purposefully and they never update the balaces correctly on credit cards or my other accounts. These accounts are off by hundreds of dollars.
To Whom  It May  Concern My Name is  XXXX   XXXX   XXXX  my complaint is with  XXXX   XXXX   XXXX  Mortgag e is two p arts, credit reporting to the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan with  XXXX   XXXX   XXXX  Mortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with   XXXX    XXXX . we were told by the person handling the modification process with  XXXX   XXXX , that for us to qualify for the modification, we had to be behind on our mortgage payment. I told him at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacted  XXXX   XXXX   about  this matter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
On XXXX2017 I sent in ( certified ) debt validation letters on behalf of myself, to all three credit bureaus. As of today, it is XX/XX/XXXXand I have yet to get a response regarding the matters on my credit report. It is well over 30 days, now entering the 60 day mark and past the grace respond period time. I am now requesting that all collections be removed from my credit report due to negligence by the companies to respond to my request in a tactful manner. Thank you
XXXX XXXX, XXXX XXXX, FL XXXX continue to call and email me even though a XXXX QWR prohibits any contact other than my attorney. The law firm Clarfield, Okon, Salomone & Pincus, P.L. has admitted to have the QWR, but hired the firm above to collect an unsubstantiated debt. I am in process of reporting this violation to the FLORIDA BAR, but this is a DIRECT VIOLATION of my rights and fits a continuing pattern of MALICIOUS and TORTUOUS interference with regards to the fraudulent debt this firm is claiming. Since XXXX the bank, servicers ( XXXX ), and attorneys have blocked my ability to work as a XXXX figure XXXX to the XXXX and financial industry, by reporting this fraudulent debt.
XXXX XXXX, XXXX XXXXTransUnionXXXX XXXX XXXX, XXXX XXXXCase Number XXXX XXXX XXXX, 2015 I received a letter from XXXX XXXX XXXX XXXX XXXX regarding the recent cybersecurity incident and that my personal information may have been exposed. In the process of attempting to sign up for the credit monitoring service with XXXX XXXX XXXX XXXX, I was unable to register for the service because your company shows me as " deceased ''. 

The XXXX staff instructed me to contact your company which I, also, did on XXXX XXXX, 2015. During that conversation with a person named XXXX, I was instructed that I needed to confirm my " non-deceaseness '' by providing a copy of my Social Security card and Form XXXX. You will find the requested information enclosed. Please correct your records to show that I am still among the living! XXXX informed me that I needed to contact the " Social Administration Department '' for a XXXX. I queried him a couple of times as to what and where I was to find contact information for said Department. So with those incomplete instructions, I decided to try the Social Security Administration, which is the Agency I needed to contact for XXXX. I suggest you have your employees read the entire screen during their contacts to ensure that all of the necessary information gets passed along. 

I inquired of your employee when, who and how I came to be shown as " deceased '' in your company 's records. He could not provide any clarification to my questions. I want an answer in writing with the details of the how, who, and when of the reports you received changing my living status to " deceased ''. It is incredulous to me that with the click of a few buttons in your data base showing me as " deceased '' should become an issue that I have to fix!!! 

Your immediate attention to this issue is vital. And provide a written notification to me that you have corrected your error. I can not enroll with XXXX credit monitoring until my status of " deceased '' is changed to " living '' in your data! 

With quickest regards, XXXX XXXX XXXX XXXX ) CC : Consumer Finance Protection Bureau
XXXX   XXXX   XXXX   XXXX   (  XXXX  of    XXXX   XXXX  , Co. ) was was contracted by hospitals for medical bills I could not afford to pay when I became  XXXX  in  XXXX . The court awarded them {$2000.00} to get from me in  XXXX . Meanwhile I went to work for  XXXX   (  who hires the  XXXX  ) in order to try to pay some of my medical bills and    XXXX   XXXX   gar nished my wages an amount of {$1300.00} in  XXXX . Until labor laws made it unlawful to garnish wages when a person only makes minimum wage. They never sent a bill for the remaining amount until this year they ran it back through the court and never claimed they had already collected the money they had garnished and only claimed the original amount awarded was still unpaid. Now they are trying to collect the full amount awarded by the court of {$2000.00} all over again. I have documents to prove all of this.   Thank you  XXXX   XXXX
This debt was a XXXX bill that was paid when I transferred service to my current phone provider. I advised Midland Funding to verify this but got no response. I also have been harrassed about this debt outside of FDCPA guidelines.
I started paying these loans back in XXXX. I wondered why I still owe almost {$2000.00}, when I only borrowed {$11000.00}. I pay $ 79 monthly. This loan was transferred to Naviet in XX/XX/XXXX. from XXXX XXXX with a {$10000.00}. balance, which I just found out by reading their web site. Interest rate is XXXX. I looked back some months it was high as {$25.00}. in interest and some months as low as {$6.00}. I really don't understand what they are doing, but extending my payments and stealing my money. I graduated college 21 years ago!
I have previously submitted a complaint regarding this matter unfortunately I wasn't able to follow up on it on time. 

Both XXXX and XXXX  have been reporting inaccurate information on my report.. 
The are listing an Account with XXXX XXXX and a second one with XXXX as being good standing and pay as agreed when it's not the case. 
The account with XXXX is not mine and was fraudulently opened. I have contacted XXXX probably 10-15 both personally and via regulating agency without any success. 
The Account with XXXX XXXX is legitimately mine ; however they never reply or acknowledge any request to help assist how the fraudulent charges were committed in order to assist me with filing a police report. 
I have contacted both reporting agency multiple without any success, Both agency are claiming that I am paying on those account which is also false. The last time I make any charges on payment on the XXXX XXXX Account was probably in XXXX or XXXX and the Account with XXXX is not mine. 

I spent hours initiating dispute with XXXX online only to find out at the end that this service is currently unavailable and I always end up sending everything by certified mail. I am requesting that both agency investigate this matter seriously and remove the incorrect info from my record. 

Also there are numerous discrepancy with my Mortgage payment history since XX/XX/XXXX, always payed my Mortgage ahead of schedule I have also provided both agency with a payment history regarding this matter.
Hunter Warfield is reporting an inaccurate collection account which they have no proof of. They claim they are collecting on behalf of XXXX XXXX for carpet replacement due to damages they said I made to the carpet when I lived there but they have no proof. Last year, I contacted Hunter Warfield to  dispute the debt and to inform them I had no knowledge of such damages and asked them for before and after pictures of the carpet showing the condition when I moved in and pictures of the carpet when I moved out, as well as a copy of the receipt showing the amount XXXX XXXX paid to supposedly replace the carpet which they are charging me for. I also informed them that the carpet was old and had stains when I moved in and that I had included that on my move-in inspection list which I turned in to XXXX XXXX. After 30 days of my dispute to Hunter Warfield, they sent me a letter notifying me they were not able to obtain the proof so they agreed to remove from my credit. Which they did. This year, Hunter Warfield sent me a letter they obtained from XXXX XXXX saying I owed for carpet repairs as their proof. That is not proof. Pictures and receipts are proof. Anyone can just type up a statement saying I owe them money but that does not mean it is true. XXXX is just trying to get me to pay for new carpet because it was already old and needed replacing. Also the move in check list I gave XXXX XXXX when I moved in is my proof that the carpet was already stained.
I am currently in the process of purchasing a house in New Hampshire, I was told a few months back to try to dispute any inaccurately reported accounts on my credit report to help improve my scores prior to locking in a rate. The on-line dispute section of the major credit agencies was very confusing and difficult to navigate and as a result of my challenges I inadvertently disputed a short sale ( an account that closed in XX/XX/XXXX ) I contacted the credit agencies of my error and that I wanted to retract my dispute but a report from the creditor had already been made. I was told that I needed to contact the creditor and have them correct the " last reported '' as XX/XX/XXXX as the " last reported '' date now shows XX/XX/XXXX. The repercussions of this last reported date is major, what resulted is that when my loan goes to electronic underwriting through XXXX, the software THINKS that since this was report in XX/XX/XXXX that I 'm " CURRENTLY IN FORECLOSE '', and subsequently disapproving my loan. Under the instruction of the credit agency Equifax & XXXX I contacted the creditor XXXX XXXX XXXX to get help to resolve this mistake. XXXX XXXX XXXX was more than willing to help and was understanding of this error. Their credit corrections department called to the highest level at Equifax and XXXX & XXXX and tried to electronically change that " last reported '' date to reflect XX/XX/XXXX, they even went so far as to supply me with a letter that reads " The " last reported date of XX/XX/XXXX is an update that was requested in error. There has been no activity on this loan since it closed in XX/XX/XXXX '' signed by XXXX XXXX Servicing-Office of the President XXXX. Here is what XXXX was told by Equifax " they explained to me that it could n't be removed ( embedded software programming ) ''. I also reached out to Equifax by phone and fax and to XXXX by phone spending hours on hold and explaining my situation to several managers at various levels, ultimately at the end of those calls and faxes, I was told by both Equifax & XXXX despite the creditors letter, their calls, my calls, my faxes, that they are refusing or " unable '' to change that last reported date to XX/XX/XXXX. Without this correction my family of XXXX kids are going to be effectively homeless if this change is not facilitated by the XXXX credit bureaus to reflect the last report date of XX/XX/XXXX. My loan flatly will not be approved without this correction. I am happy to supply the letter from the creditor XXXX XXXX XXXX and provide contact information for XXXX XXXX at XXXX XXXX XXXX. Respectfully, I would ask you please, please help me to get this resolved as quickly as possible.
I have an account with XXXX XXXX XXXX XXXX that was awarded to my wife in our divorce on XX/XX/2014. I notified the bank and they were suppose to stop reporting on my credit report as I was no longer responsible for the account. They continue to report this account as a charge off since my ex wife let the account go. She original owed {$7200.00} she paid about {$770.00} because now the balance is {$6400.00}. I have n idea if this balance is accurate as I have no contact with my ex wife.I have written to all three bureau several times asking for the removal of this account and have even provided a copy of my divorce decree for them.
I have filed a Cease and Desist with Navient formerly Sallie Mae to not call me. They have been calling me daily for the last week. I am not late and do not owe. Have requested in writing valid loan information and they have not sent to me. 

They are breaking the law again.
When I applied for a Sallie Mae loan I was given three different repayment periods : 10 years, 15 years and 30 years. The repayment period dictated how long I had to repay and in addition affected my interest rate. When I originally applied for my loan, I selected the option for a 30-year repayment term for lower monthly payments, in exchange for a higher interest rate. However once I entered repayment, my interest rate was still for a 30 year loan, but my " estimated payoff date '' is ten years from my " repayment start date ''. As a result, my payments are calculated based on 30-year repayment period interest rates and a 10-year repayment period. There is no way ( to my knowledge, or under my own investigation ) to change my " repayment start date '' nor when I requested a promissory note or reviewing my own documents there was any indication of how long my loan repayment period is. When I asked Customer Service for this information, they could not provide it to me either. So, the basis of my complaint is that my payments are much higher than they should be and that I have paid much more in interest because my payments are calculated using 30-year repayment term interest rates in a 10-year repayment term.
I pulled my credit report from XXXX, on XXXX/XXXX/XXXX and XXXX. Wells Fargo has continually reaged a debt monthly that was charged off in XXXX. I had tax consequences in XXXX. They ca n't say a debt is still owing if they have charged it off. I want them to remove the still owing or past due balance. They are also doing this to my ex husband. They have violated the Fair Credit Reporting Act for over 3 years by re aging a debt written off and closed in XXXX. XXXX XXXX was the 180 day write off period. the FDOD was XXXX XXXX. 
I will never be able to get back on my feet if they continue this illegal tactic for both my self and my ex husband.
I 've called and sent a letter to TransUnion about inaccurate inquiries on my credit report. Every time I call, I 'm told they will be on my report for two years and that any company can put an inquiry on my credit report. I then informed them that I 'm aware that you should n't be able to put an inquiry on my file without me authorizing it. The FCRA states that the only permissible purpose for pulling someone 's credit is for ; A firm offer of credit, insurance, employment and or court ordered. I 've received a letter today stating the inquiries will remain on my credit report for two years. I did not authorize these inquiries as to why I 'm disputing them.
**THIS IS NOT A DUPLICATE** I mailed a payment into Chase Auto Finance and payment/ envelope was returned. 

I am resubmitted to have this issue taken care of. I have provided a copy of written check/ envelope that was returned. 

The derogatory remark should be removed. If not I will be seeking legal representation to have item removed, since I have provided sufficient evidence of returned mail item.
I received a call with no one on the line. When it hung up I dialed back. The agent refused to give me their name, business name or what it was regarding unless I give my social security number or date of birth. When I told them I would not do so unless they identify themselves they stated they would keep calling until I did. When I told them to add me to the do not call registry they stated I had to provide my social security number to be added to it. I told them it was a violation of the FCRA to do so, and to refuse to even identify themselves, so they hung up. When I called back again they identfied themselves as Halstead Financial and refused to give any further information stating they would review the call and solve it internally. No agent identified why they were calling, and only the second stated it was an attempt to collect a debt.
I purchased a vehicle that was financed through XXXX on XXXX XXXX 2014. Every payment was made on time and in ful however the credit union has reported me XXXX days late for XXXX, XXXX, and XXXX which is incorrect. The car was totaled in XXXX, insurance paid off {$14000.00} and the remaining balance of {$6900.00} was covered by my XXXX insurance. XXXX has refused to update my account and has listed me as XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX, XXXX days past due for XXXX on a balance of {$6900.00} even though that amount has been paid since XXXX. This account was NEVER late and is paid off. I have disputed this with all XXXX bureaus, XXXX fixed the issue after reviewing my proof however XXXX Transunion believe XXXX and say they trump any proof I provide. XXXX, the collection manager from XXXX contacted me after I filed my disputes after I told her to contact my attorney to discuss the matter she told me XXXX and hung up on me.
On XXXX XXXX, 2016 I received a letter from Macy 's thanking me for an inquiry that I DID NOT MAKE. The next day a refund check was issued for the balance on my Macy 's card in the amount of {$310.00}. I called Macy 's customer service immediately to figure out why I received these letters in the mail and was left on hold for a total of 2 hours and spoke to various representatives in various offices. They were able to identify that a fraudulent payment of {$300.00} was made to my {$100.00} limit account in XXXX, and that a fraudulent request for the balance to be refunded as a check was made shortly after. They told me they would issue a credit to my account to take care of the balance and that it would reflect on my next billing statement. I was advised not to cash the check that was sent to me. They assumed the payment was applied to the wrong account. On my XXXX billing statement I noticed on XXXX XXXX there was a payment reversal in the amount of {$300.00} and that was the reason for my card that I owed NO money on to now carry a {$300.00} balance. I waited the month they instructed me to, and attempted to use my card for a {$30.00} purchase in the store. When the purchase was declined, the sales associate called customer service to help me figure out what was going on with my card. I was on hold and in the store for a total of about 1.5 hours. There was no resolution and I paid cash. When I got home, I called their Fraud department and again, was on hold for over an hour while managers and service employees combed through my account records trying to figure out how the payment was made to my account without my consent and how the refund was authorized BY FAX without my permission and without proper identification. The request made by the fraud department was to send them a copy of my license for identification along with a description of the fraud my account has endured. I was completely thorough and included dates and descriptions of the transactions. I mailed everything in, and never received notification of receipt nor a response on any kind of progress with my case. The lady from the fraud department reassured me that the original disputed amount as well as all late fees associated with the fraud case would be taken care of and that all negative reporting to the credit bureaus would be removed upon resolution of the case. She advised me to close the account to stop the accrual of further late fees. I have been consistently charged a late fee for a balance that i never authorized for a total of 7 months with still no resolution. This has had a horrible effect on my credit score because of the monthly reporting of an unpaid balance. Also having to close my first and oldest account of 10 years has had a negative impact on my credit score as well. This is unacceptable. On XXXX XXXX, 2016 I received yet another letter from Macy 's regarding the check they issued to me on XXXX the XXXX notifying me that I have 60 days to cash the check I never asked for before they place a stop payment on it.
On XX/XX/2014 account was opened. I went to the dentist but used my insurance which everything should had got paid for. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
On Monday, XX/XX/XXXX I contacted the # on my Chase Slate Credit Card to report that I had lost my card. I was told by the person on the phone that my account would be closed and that I would receive a card in the mail in 4 - 5 days. <P/>I received credit card fraud alert on XX/XX/XXXX for an attempted XXXX XXXX purchase of {$640.00}. I checked my card activity online and noticed several purchases for XXXX. <P/>On XX/XX/XXXX, I contacted Chase Slate # and reported the erroneous charges. I inquired as to why activity was appearing on a chard that should be closed. Person on the phone stated that they had no record of my calling and closing the account. They stated that they are taking care of closing the account. I explained that if this is the case then it appears that these erroneous purchases are an inside job. <P/>At this point I am concerned about the credibility of this company and the security of my credit related information. <P/>Note : After contacting Chase the first time, I did find my card in the trunk of my car on XX/XX/XXXX. The card has been in my possession and I did not authorize any of the erroneous purchases.