WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion is inaccurately reporting a chapter XXXX on my credit report. I have sent several debt validation letters for them to verify that the bankrucpy belongs to me. I have asked that they give me the following information. 
1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The  address 4. The telephone number 5. The documentation used to verify the dispute. 
6. The asset and liability amount of the bankruptcy that is supposedly reported correctly by your company. 


They only state that they have verified. According to Fair Credit Reporting Act. the credit bureaus must report accurate information. As of this date if they have verified the bankruptcy as being accurate. why is there a XXXX on the amount owed. I don not believe that someone would file a bankruptcy and not owe anything. Transunion has violated my rights by not accurately reporting information. I would like Transunion to verify and send me all of the information I have requested. If they can not verify correctly and report correctly. I would like for Transunion to remove this item from my credit report.
Ocwen will not let XXXX access my account. I use XXXX to track my payments.
My back ground report is out dated and I asked the company to make these corrections and XXXX received the same 7 year old report.
I have disputed  XXXX  public records that are showing in error on my credit report. I have sent certified letters requesting that they validate it and provide proof of who and what they have that verified the information. They are verifying through a 3rd party agency, not the original creditor. I have already spoke with the original creditor and they have verified that the credit bureau has not contacted them, and that they could n't provide the verification to them anyway by law. However even after submitting this information and requesting validation again, the credit bureau has continued to just send me notices saying that it 's been validated.
On XXXX of 2018 I received a alert through a credit monitoring system that a collection account from Hunter WarfieldCollection was placed on my credit in the amount of {$12000.00}. Prior to this alert I had never heard of this company or have done business with them. Furthermore, I had never received any letters, phone calls or any form of a collection notice from them nor am I unaware or it's affiliate listed. I disputed the debt with the three major credit bureaus : XXXX, XXXX and XXXX and have sent a letter directly to XXXX asking for the debt to be validated. 

Hunter Warfield, failed to respond to my request for validation with two written attempts but instead chose to have the account closed with the three major credit bureaus stating paid in full. The same day they re-opened the exact same account showing a new balance of {$12000.00} exactly {$1.00} more and still has not responded to any of my attempts to validate this debt and completely remove this item off of my credit reports ( XXXX, XXXX, and XXXX ) as this violates my rights as a consumer under the FCRA 15 U.S.C. & 1681 g & I have a right to be notified of a debt they say I owe. 

I am left with no other choice as a consumer submit this complaint in hopes of a quick resolution to permanently remove these items off of my credit reports
Upon checking my credit file with Transunion, I see that an account With XXXX has been removed and then reinserted between the week of XXXX through XXXX 2017. I have no legal binding contract with this collection agency. I would request that account in question be deleted permanently from TransunionXXXX and XXXX.
I owed a debt to  XXXX  ; they hired RMCB to collect the debt. The initial calls were with a very pleasant young man who honestly seemed as if he was trying to work with me. I made a payment with a credit card, let 's call it  XXXX , and attempted to set up a payment plan to pay the rest. The young man was so intent on my paying a settlement that he got a satisfactory amount approved throu gh his " manager. '' I  agreed and set up the payment with a different credit card,  XXXX , than th e one I  had used for my first payment. The payment was to come out  XXXX   XXXX ,  2017 . I called in to reschedule the payment to  XXXX   XXXX ,2017. The payment came out  XXXX   XXXX ,2017, but not on  XXXX , the card from which I authorized payment! They took the payment from  XXXX , for which I had not authorized payment. To make matters worse, I received the absolute nastiest letter on  XXXX   XXXX  that had been drafted  XXXX   XXXX  demanding payment. Remember, I had already made arrangements to make this payment on  XXXX   XXXX . All they had to do was wait 3 days before sending me the foolishness that they did. Very disrespectful!  XXXX  and other businesses need to know with whom they are doing business when they hire debt  collectors. Not a g ood look for any company.
I have student loan debt and was in default for a long time. When I finally got a job I did n't really make enough to make payments, but instead of trying to work out a solution I ignored the problem for a while. I finally started working things out in 2014 and qualified to consolidate all my loans but XXXX, which were getting ready to garnish my wages. I asked the collection company if they would release them to be consolidated but they refused. My wages are being garnished at 15 % of my total income, not just disposable income. It is my understanding that it should be 15 % of whatever I make over the federal poverty level. I have tried to ask the collections to correct it, but they said that my employer must not be using the form given them to figure the correct amount. Bottom line, I can not be self sufficient and be on my own with this amount of money coming out of my check every pay. I would like them to adjust the amount they take or add those loans to my consolidated loans in which I qualify for the income based repayment plan which is more affordable to me. I do n't want to end of losing my job because I ca n't afford transportation there. My living expenses are a hardship just to take care of bare minimum items.
I made an ebay purchase on XXXX XXXX 2015 through paypal to the XXXX for {$370.00}. Paypal billed my paypal account associated with ebay AND my paypal credit card account. Discussions with paypal go something like this, they say to call paypal if I call the credit card section and vice versa. I suspect this is the tip of the iceberg and I am not the only one being cheated our of my money. I felt when I talked to the XXXX arms of paypal the system was rigged to never refund anyone any money.
In checking information on Equifax 's " XXXX XXXX XXXX '', I discovered and address, XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at.
Dealership fraudulently used my personal information to obtain an automobile loan. Vehicle failed Maryland safety inspection and repossessed against previous owner ( " XXXX XXXX XXXX XXXX '' )
Private Mortgage Insurance Cancellation and Termination my loan is 80 % decreased from original value and property appraised more value but chase declined to remove PMI
Since XX/XX/2018, Pay Pal has been holding my money while purporting that other accounts belong to me. I have demanded that Pay Pal, Inc. validate their claim of this alleged debt and Pay Pal, Inc. has met this demand with dishonor.

Pay Pal, Inc. has admitted that one account does not belong to me and was in fact identity theft. Neither of these alleged debts have been validated and it is now XX/XX/2018, while Pay Pal, Inc. is still withholding {$240.00} from me.

This is a direct violation of the FDCPA ( federal law ) in which Pay Pal, Inc. is subject thereto. I hereby demand that Pay Pal, Inc. return my money immediately. If Pay Pal, Inc. wishes to no longer do business, they should issue a check for my funds and close the account since Pay Pal, Inc. has not validated this claim after having more than 6 months to do so, while the law ONLY permits 30 days.
I have XXXX complaints. I would like both addressed as the company has refused to address one of the complaints, which I have registered with you on two occasions. The other complaint is a new one. 
1. XXXX/AES refuses to send monthly statements for the interest. I want to pay the interest so it does n't continue to accrue. It is currently over {$3000.00} on a {$6000.00} loan. Usurious. 
2. We just received notice that the loan is being submitted to a collections company.The loan is in forebearance.
Midland  funding is reporting inaccurate information to my credit report.I have never had an account with this company.A dispute was sent by the credit bureau and came back verified.
XXXX XXXX/XXXX  XXXX has been reporting the incorrect month and year of last payment made. They have been reporting the last payment made XX/XX/XXXX. The correct date for last payment made was XX/XX/XXXX. I will include my TransUnion credit report. XXXX XXXX  has been reporting this error for awhile. I would like them to at least consider making an update to the information that they have been providing TransUnion
I checked my credit report and discovered an account from a company called XXXX XXXX. I have no idea who or what this is, nor do i have knowledge of the debt they are reporting. I have never been contacted by this company. I contacted the original creditor, XXXX XXXX, and they stated there is no balance for my old home address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX or under my social security number or the account number : XXXX. They also stated they do not use this company for debt collections, imposing that this is a fraudulent account. XXXX XXXX provided me with my confirmation number that VERIFIES a {$0.00} balance : XXXX.
I 've proven month after month that Equifax is reporting the wrong information and they continue to report inaccurate and incomplete information on my credit report and they are in violation of the FCRA : XXXX - XXXX - # 1 You have a date of " XX/XX/XXXX '' and I 've proven this to you month after month and you have n't done anything about it! 
# 2 you are reporting a balance of {$11000.00} when this is a released and PAID tax lien! 
# 3 you have an inaccurate court name " XXXX XXXX '' when you must list the court name accurately ; this is NOT accurate! 
# 4 you have the wrong liability amount # 5 you have the wrong reference # XXXX - # 1 You have a date of " XX/XX/XXXX '' and I 've proven this to you month after month and you have n't done anything about it! 
# 2 you are reporting a balance of {$2100.00} when this is a Satisfied judgement and my credit report even says this! 
# 3 you have an inaccurate court name " XXXX XXXX '' when you must list the court name accurately ; this is NOT accurate! 
# 4 you have the wrong liability amount # 5 you have the wrong reference #
I'm beyond frustrated at Navy Federal!! I keep getting fees on top of fees. I'm making deposits and then charged NSF Fees and then when debit card purchases come through which if the funds were not in my account in the first placed would be declined. But when they clear my account I'm then charged overdraft fees. I was told on XX/XX/XXXX a debit card purchase for {$3.00} caused my account to become negative, but this is only after I was charged two {$29.00} NSF Fees at the time I used my debit card {$3.00} was available in my account. This same issue happened on XX/XX/XXXX when a debit card transaction cleared my account on XX/XX/XXXX for {$59.00} but I was not charged an overdraft fee of {$29.00}. It is absolutely ridiculous to charge me NSF fees and Overdraft fees at the same time once debit card purchases ( funds are in my account or purchase would be declined ) post to my account. Spoke to XXXX the supervisor on XX/XX/XXXX and she could not tell my why I was charged {$29.00} in once instance and not the other. It's infuriating when the financial institution you bank with can't even inform you when you are or are not assessed fees. In addition to this madness I was told XXXX was submitting the {$15.00} payment again through my account on XX/XX/XXXX ( can't see it and was told by XXXX that they do not submit ACH Payments twice, yeah ok ) I was told by XXXX to make deposit ( done at XXXX XXXX  on XX/XX/XXXX while on the phone with XXXX ) and call between XXXX - XXXX on XX/XX/XXXX to have transaction processed for payment only to be told by XXXX the supervisor that it is only a process that can occur if the error is on Navy Federal and between the hours of XXXX - XXXX ( deposit made at XXXX ).
Ocwen Loan Servicing second time around since XX/XX/XXXX granted a Hemp Mod but will not cancel foreclosure proceedings. In XX/XX/XXXX company took extra money without my permission out of my bank account.I was never served in person only publicly by their attorney XXXX XXXX with the excuse could not locate me when indeed forwarding address was all along in my mortgage.Submitted an affadavit to the courts in XXXX with attached charges.I will submit the court transcript to you.Then the first Hemp Mod was revoked.The judge has the envelope papers came in.The explaination was I mailed in papers too late.It looks like Hemp Mod was revoked 2 days after recieving them.Up to this day Ocwen has not provided me with a copy of those closing papers.I have to make the assertion those closing papers were fake.This time around everything was submitted by me early.It is impossible to have a mortgage and being in foreclosure at the same time.I strongly believe as a customer I have been abused by this company and their attorneys.XXXX XXXX called me immorale and that ignorance of the law is no excuse.Ocwen retained XXXX.Company entered and broke in and items have disappeared out of my house during my absence.The garage door is damaged.Door frames and locks broken out.My attorney has the pictures.I filed a report w the XXXX.Neither Ocwen nor XXXX   have assumed responsibility for the damages.
I had a checking account with Chase Bank. I checked my balance and found out my account balance of {$890.00} was showing {$0.00}. I called Chase bank and they referred me to their fraud department. I called the fraud department to report stolen money from my account. After many long phone calls, it was discovered that a ( false ) levy was issued against my checking account. I searched the court and found a ( false default judgment ) against me. I went to a Dispute of levy hearing and received 2/3 of my money back. Later, the case against me was dismissed ( false default judgment ) because I never had a WAMU credit card.

I advised Chase bank, and they never re-opened my account, nor did they refund me the {$95.00} legal processing fee they withdrew from my checking account.
I am sick of these Credit Agencies. Over and over I go thru the dispute process, they just change the reporting each time, they never verify it. 
I attached the XXXX print out because when you pull XXXX directly it does n't point out it 's own mis reporting, besides I fight thru the XXXX.com, it wo n't let me thru so I have to go pay each time. I am not being taken again1- attached page of XXXX, you can see it 's XXXX and XXXX XXXX my name, it is reporting XXXX accounts on a payment plan, that plan was paid and discharge 2 years ago2- Attached page from XXXX reporting XXXX accounts with no payment history. I have requested the history and the accuracy of the last payment date, no response. In the words of XXXX XXXX, " trust but, verify '' apparently not with XXXX, they just tell me to pound sand when I do n't trust them anymore because when I request to verify information or simply delete the account if the vendor ca n't verify the information- why so difficult? 

XXXX-attached First Horizon reporting, Like me you can see the reported history does n't match the last payment date. What they did is transfer to XXXX, so my record looks like I have XXXX mortgages that were late and lowers my score. XXXX XXXX made a mess of my Modification request, transferred it, threw out my paperwork. After XXXX times with full submissions and my attorneys help, XXXX completed it in 2014. I am requesting the entire XXXX be deleted as no one is able to actually verify the payment history and they should n't be rewarded for making a mess out of the account. While I was in XXXX XXXX, no reporting was available, the moment it was discharged, this erroneous reporting shows up.
EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS CONTINUED TO REINSERT INFORMATION THAT WAS PREVIOUSLY DELETED STATING THAT THEY VERIFIED THE INFORMATION WITH THE VIRGINIA XXXX COURTHOUSE ON PUBLIC INFORMATION THAT IS REPORTING WHEN THE CFPB DID INVESTIGATION ON THESE ITEMS WHERE EQUIFAX RESPONDED THAT THE ITEMS WERE NOT REPORTING. AND THAT THEY HAD REMOVED THEM FROM THE CREDIT FILE AS A RESULT OF THE INVESTIGATION. I ALSO CHECKED WITH THE VIRGINIA XXXX XXXX HOUSE AND THE XXXX VA COURTHOUSE WHERE THESE SAID JUDGEMENTS WERE BEING HELD. THE CLERK OF COURT RESPONDED TO ME BY RELAYING THE FOLLOWING THAT THE VIRGINIA XXXX AND XXXX COURTHOUSES DO NOT GIVE CREDIT REPORTING AGENCIES THE PERMISSION TO REPORT THE CONSUMER CREDIT FILE AND THAT THEY CAN NOT PUT JUDGEMENTS ON MY CREDIT REPORT, AS THAT THE COURT DOCKETS DO NOT DISPLAY A SOCIAL SECURITY NUMBER TO ATTACH THEM TO. EQUIFAX HIRED AN OUTSIDE VENDOR TO GIVE THEM THE INFORMATION WHICH I DID N'T EXPRESSLY OR IN WRITING GIVE EQUIFAX PERMISSION TO GIVE ANY OF MY PERSONAL INFORMATION TO A VENDOR SUB CONTRACTED BY THEIR COMPANY. FURTHERMORE ALSO SHOWS THAT EQUIFAX CONTINUES TO PUBLISH NON FACTUAL INFORMATION ON MY CREDIT FILE WITHOUT PERMISSION AND CONTINUES TO RE INSERT INFORMATION TO MY FILE AFTER THE INFORMATION HAS BEEN REMOVED ALSO THIS HAD CAUSED ADDRESSES AND INFORMATION THAT WAS FRAUDULENT TO RE APPEAR BACK ON MY CONSUMER CREDIT REPORT CAUSING THE INFORMATION TO RE-AGE WHICH ARE CLEAR VIOLATIONS UNDER THE FCRA SECTIONS623-624 AND SHOWS THAT EQUIFAX WILL NOT COMPLY WITH FEDERAL STATUES. AND CONTINUES TO HANDLE MY CREDIT REPORT NEGLECTFULLY. PLEASE REVIEW PASS CFPB DISPUTES TO SEE THE RESPONSE OF THE INFORMATION AND RESOLUTION DECIDED ON THESE ITEMS CASE ID XXXX CASE ID XXXX CASE ID XXXX
Back in XX/XX/2014 we was sent a judgement from XXXX XXXX XXXX, we was told that a lien was placed on our home .when we sell the house the money would be taken from the proceeds. Did not hear anything from the co for four years until XX/XX/XXXX when they garnished our checking account and tripled the amount we have a -XXXX. We had enough money to pay the debt, we was told that it would be frozen for a week, it is now 2 months later and XXXX  XXXX XXXX still has the account frozen. XXXX XXXX XXXX says it is XXXX XXXX and XXXX XXXX  says it is midland. We need to know why a co is allowed to keep your accounts frozen, they have their money. They threatened to garnish wages for another account. Why would a co be allowed to not care and tells us that our accounts can be frozen for as long as they feel like it. This should not be allowed to not help or given a reason that our accounts can be frozen as long as they feel like it. My husband is getting ready to retire and dont know how to handle social security. The file number is XXXX.
I have a subsidized and unsubsidized loan with American Education Services. I have been paying a few dollars extra every month and today I reviewed the account and found out that they have not applied any money towards my principal. When I called them, they said my account is in a " pay ahead '' status and explained that the money is being applied to the principal but it just does n't reflect the account yet. I do n't understand where the extra money is going and they ca n't provide me with an accurate amount I owe stating the " system '' will figure it out if you decide to sell your loan. 
I 'm concerned that AES is not paying down my loan and in the end I will end up paying more.
I took out 2 checks in the amount of {$240.00} each, I paid them both back twice, borrowing the same amount each time. I could not pay them back and I have been asking repeatedly and told by customer service that if I waited that I could set up a payment plan through collections but instead the company is calling my friends, and even my spouse who was not on the referrals list so they should not contact him at all.
Federal tax lien reports as unpaid and open I have submitted disputes with documents ( XXXX withdrawl of filed notice of federal tax lien after release XXXX to show that the lien has been withdrawn. Equifax still comes back that lein is accurately reporting which it is not
Citibank is reporting a negative foreclosure and balance every single month. This is erroneous and they are affecting my credit & financing.
My Loan Originator/ Realtor signed Documents on my behalf without Authorization to do so. My husband and I were reviewing Residential Purchase Agreement and received word that XXXX XXXX went ahead and completed a Residential Purchase Agreement on our behalf. The Documents were signed Electronically using her own personal email and work email. She does fraudulent things like this often and we are tired of it.
Report no. XXXX I have contacted the credit agency on multiply occasions asking for the methods they used to verify my accounts. 




After 3 times I received a response stating the accounts were verified. I was not asking to verify the accounts but HOW they verified the accounts. I asked specific questions on how they verified the accounts and have not received an answer
EQUIFAX IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES XXXX XXXX AND XXXX XXXX.
Someone hacked my daughter 's deposit mobile on her cell phone and deposited XXXX checks into XXXX separate accounts. The hackers also did several other transactions with the accounts from grocery stores and various ATMs. The funds from the fraudulent checks were immediately available so the hackers transferred the funds between the accounts until they found an account that they could withdrawal money from an ATM. The bank says we are responsible for the money taken even though we are victims of identity theft. The bank has procedure for customers to file for identity theft and are victimizing us twice. We have filed police reports and reports with the FTC.
Reporting for original creditor. Accounts are paid. They have bought these accounts and still trying to collect