WillisBack/dataset-financial-user-claim huggingface dataset:
I'm demanding that the credit reporting agency Transunion either provide me with their Method Of Verification in regards to this instant matter or as stated within the FCRA laws delete/ remove / block the disputed accounts immediately. This is also backed by the FTC, inwhom I will report this issue to next if this isn't solved. These two ( 2 ) accounts ( 1 ) XXXX XXXX XXXX {$180.00}, and ( 2 ) XXXX  XXXX XXXX XXXX {$950.00}, I have disputed for a few months now, but Transunion response by saying accounts verified. This is being reported without any physical documentation provided to me or them. I never recieved information regarding this Method used. Whom spoken with whom, what day, time, hour this investigation taken place. What lines of communication used, fax, email, phone, etc. Transunion without properly investigating these accounts has damaged my chances of getting any extended line of credit like a house.
I have the following 3 medical bills on my XXXX bureau only and after contacting XXXX via phone and email I have not received any information. 
GLA Collections has listed : XX/XX/XXXX {$210.00} medical bill XX/XX/XXXX {$140.00} medical bill XX/XX/XXXX {$130.00} medical bill I have faxed a copy of the police report showing fraudulent charges to both XXXX and GLA collections and have never received a letter in the mail, email or a phone call. 
I have Never lived in or near XXXX, KY and have never seen a Doctor for anything medical in XXXX, KY ever.
Equifax is reporting accounts they are not mine and I have submitted the proper paperwork to have these accounts removed from my credit report months ago.
On XX/XX/2016, my accounts were closed by PNC bank branch located at XXXX, XXXX in XXXX in an unjust and unfair manner. This morning I met with the branch manager, XXXX, to determine why my Social Security monthly benefit was not available in either my checking or saving accounts. I talked with various bank representatives on several occasions to address a transaction that was flagged as fraudulent. In an attempt to help a neighbor, a wire transfer was deposited in my account on XXXX/XXXX/16 and returned on XXXX/XXXX/16. I incurred a return of deposited item fee on XXXX/XXXX/16 for {$12.00} ; continuous overdraft fees of {$7.00} on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XX/XX/2016,XX/XX/2016 ; and continuous overdraft fees of {$21.00} on XXXX/XXXX/16 & XXXX/XXXX/16. The total of these fees is {$89.00}. As on XXXX/XXXX/16, my saving account was charged off in the amount of {$210.00} and my checking account was charged off for {$290.00}. I still do not understand all the fees of how I owe PNC so much money! Previously my accounts have always been in good standing since their inceptions. I attempted to be accountable for the error of trying to help a friend and asked XXXX to deducted the amount owed from monthly benefit but he said " the Social Security Administration has flagged these types of benefits to not allow any of it to be used to pay bank fees ... and that is why the account was closed. '' I ended up sincerely asking XXXX bus drivers to allow me to ride for free because I did not have any money leaving the bank. Honestly, I have not had any money since XXXX/XXXX/16 & my birthday was on XX/XX/XXXX. I am a XXXX and my only financial account is- I mean, was with PNC . Now, I think I have to wait for a check to be issued and sent to me via snail mail ( I will address this matter tomorrow ). No one from PNC contacted me to tell me what was going on and as important, how to keep the accounts active and open. They just closed them and left me broke with tears! Please help & thank you in advance!!
Approximately 8 years ago I signed up for XXXX services at an indirect store which I later found out is not a corporate store. I had XXXX until last year when all of a sudden I found out that all these years this account was under someone else social security number and that they have added phones to my account. I contacted XXXX right away and they told me that they would get back to by email several times and that never happened. Then I see I received my first debt collector which was very rude and did not know what was going on with my account. I tried to explain to them that they are going after the wrong person and that my social security number is not matching with the one you have. They filled the claim to collections and I saw that in my XXXX report. I reported immediately and they were able to remove the claim to collections verifying that it was the incorrect social security number. For 8 years I been using this account to build my credit and got nothing out of it but this fraud case. So after that first debt collector I contacted the XXXX XXXX XXXX complaint # XXXX and a member of the XXXX Customer Service team got in contact with me. They apologized for what happened and then asked me for my social security number to look into what happened and credit me for the mistake. Instead I found out that they used it to file another claim now with AFNI to come after me for this debt of {$2100.00}. There was also another debt collector before them and I asked for the original copy of the contract to show that this is not my account legally. AFNI collections has called me once and said that they will send me a packet with a copy of the original form instead on XX/XX/2018 I received another bill from the collection company. I would really like help in solving this matter, I spent countless time with many phone calls and nothing seems to work. Please be aware that XXXX has many cases like mine and has not done anything to protect its customers information.
XXXX XXXX hired collection agency to collect Debt that i did not owe this been going since XX/XX/XXXX. Each time the collection agency called i will return a call and explained that i never received any of the statement. I have no clue that I owe Electric bill because I am up to date paying all my utilities. Each time collection called i call XXXX also. The first two year XX/XX/XXXX-XX/XX/XXXX. i even went to police XX/XX/XXXX to file a report but they could not write a report because I dont have account/statement to show. Police said to disregard perhaps this is a called call trying to get my info over the phone he even warned me to be careful giving info over the phone.I sent letter to agency because the representative that i spoke he told me to send them a letter so they do n't told have to call again ( XXXX XXXX , XXXX XXXX : XXXX Dispute Department XXXX XXXX XXXX, IA XXXX ) I called XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX to really see if i have outstanding balance, it was verified that I do not owe anything under my name. In XX/XX/XXXX, I called XXXX again after i received a call from collection agency about the debt that I owe. XXXX representative said yes, its showing that i have outstanding account she gave me the amount and account number then transferred me to Fraud department. Fraud Department gave me their mailing address and gave things that i need to mail I was recommended to get a police report which i did for the 2nd time but the police only gave report number as reference he said this should be sufficient, I mailed the Copy of my Driver 's Lic, Bank Satement, Utility bill, Police report # and other documents showing my current address between XX/XX/XXXX-XX/XX/XXXX because this is what i told to submit this was mailed XX/XX/XXXX. 
Now, today XXXX/XXXX/XXXX i called the collection agency " Contract Callers # XXXX. I told that i spoke with XXXX XXXX Fraud Department and i explained that i submitted all the documents that they needed me to submit. She gave me the number to XXXX XXXX again. I called XXXX for XXXX times i explained my situation, then connection to Fraud Department again.They claimed that they never receive my documents and it has been 6 months, no one have ever got back with me. They want me to submit new documents by fax and email. Seriously? and ask to go back to police and get the report, seriously? This is very frustrating. Now collection is harrashing me again? XXXX representative gave me FCC # and web site. That 's why i have sending this information. i am hoping that this matter will resolve very soon five years. why its taking so long?
I was contacted by a mortgage broker representing XXXX XXXX XXXX XXXX. This is the same broker who I worked with to obtain my original mortgage and a subsequent re-financing for the same property. He called and told me rates were down and I could benefit from a refi. He requested my personal info to run a credit check and got back to me saying everything looked good. He then requested we do a refi on my primary home ( original conversation ) and also on my second home ( rental property ). I told him I would be interested only if it makes financial sense for me. He assured me it would and asked for {$1200.00}. to proceed with processing. I sent a lawyer the XXXX for transferring my mortgage from XXXX XXXX XXXX XXXX back to XXXX XXXX. ( XXXX XXXX was the original mortgage holder and XXXX XXXX XXXX obtained via refi ). Several months went by when I was contacted by a colleague of his with teh refi estaimates. They were completely ridiculous. They wanted me to refi and take out $ XXXX on rental property to pay down primary mtg to obtain a better rate. The costs were approaching $ XXXX and Imy combined mtg would decrease only {$170.00} per month. They also recommended I roll closing costs into my refi package. Hence, I incurred $ XXXX more debt and reduce my monthly payments {$170.00}. I told them I wasnt interested. We went back and forth for several months before they agreed to provide a new refi for only my original ( Primary ) home. This was attractive but it was n't making any progress. After months of calling them back and emailing and texting them I was told the underwriter has declined my application due to insufficient work history. I have been doing the same XXXX XXXX work for 20 years and qualified with same persons/entity for my original mortgage and refin. I also make more money than before and have more assets than before. I told tehm I want my {$1200.00} back and they said there 's one more option - I have to wait until XX/XX/XXXX to have sufficient work history. Interested rates went up twice since original rejection notice ( XX/XX/XXXX ). This XX/XX/XXXX I submitted updated documentation and was told yesterday I was denied again - same reason. I have been doing the same work for 20 years and teh broker know of the work before this process began and has worked with me before over the past 8 years. They were 100 % aware of my work history before they requested the {$1200.00}. I also believe they wanted to set me up with a bad and inappropriate re-fi agreement and when I rejected it they wanted out of the deal with me. Loan agreement is attached. Psswrd is XXXX. This in itself should constitute a violation of some consumer protection for inappropriate loans.
XX/XX/2016 GM financial hired XXXX XXXX XXXX XXXX to repossessed ( Steal ) four vehicles that they did not own titles or leans or have any financial obligation to. I had a loan that I was making payments on. I made payment arrangement with a rep and was keeping my obligations with the payments and never once informed that the vehicle was in a repo status. One morning about XXXX I went out to go to work and three of thefour cars were taken without my wife permission or knowledge, The police department was notified, we were informed they were repossessed. I explained and showed XXXX XXXX Police department that 1 vehicle was paid off and the other two were current and financed with other companies. I provided letters from the financial companies showing that the vehicleswere current and under no order of repossession.. XXXX police finally took the police report. Later that evening we received a call from XXXX XXXX XXXX XXXX saying that our vehicles were taken by mistake and they want to bring them back. When asked how did they get this number they would not say. Once the auto theft unit got involved the owner of the tow company meet with us and police. XXXX the owner showed my wife and I and gave XXXX police a copy of the repossession order requested by GM financial to repossess five vehicles and offered bonuses for each car they retrieved. None of the cars taken were financed by GM Financial. three of the vehicles were in my wife name who do not have an acct with GM. Gm called and on a recorded line stated well you have them back and offered no explanation but stated what are you going to do about the XXXX. Once they learned that the police were involved we did not hear from them for a while. They have charged Off the loan and put the charge off on all three credit reports.
Ally bank, I Leased a vehicle and paid all payments in time. They had XXXX as deposit. I returned the vehicle to a dealer in time of lease, with miles used much less than allowed on lease. Called Ally many times to return deposit. Answer was " wait till final statement ''. Vehicle was sent for inspection by different company, and Ally had 4 inspections. The cost started with XXXX and ballooned. Finally Ally demanded XXXX, after keeping the deposit. Car had minor wear and tear, which was supposed to be free repair per Ally booklet. 
Called them many times, spoke with agent and disputed charges. But the kept on sending threatening letters and sent to Ally asset recovery Center. NO help. Many similar reports on Internet about this ripoff
I can see, from previous credit reports, that the collection agency continues to change the name of the collection agency, the name of the original creditor and the exact dollar amount so that the debt remains on my credit report longer than 7 years. This tactic is nasty and unfair. My past credit information is attached. 

Please advise on the best way to handle this.
I am attaching proof from my credit report that these 2 accounts on TransUnion are reporting wrong and that both the creditor and TransUnion are refusing to verify, correct or remove them as per the requirements of the FCRA. 

I 've submitted substantial evidence in this case and have disputed multiple times with both parties to no avail. These must now be deleted from my credit report. I am also attaching my correspondence with both parties. 

Accounts listed incorrectly : XXXX XXXX listed twice Problems : 1st account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company. 
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$1300.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified 2nd account : is listed as 60 days late, even though there 's no balance and the account does not list that it 's been transferred or sold to another company.
There 's been no update on this account since XX/XX/XXXX. 
There 's still a monthly payment on this account of {$5800.00}, even though it 's neither open, contains a balance, is still being paid on or has been updated Reports late payments that i know to be inaccurate and were never verified Due to the fact that it 's clearly being reported wrong and no one wants to conduct an actual investigation per the FCRA, these items must be deleted at once from my credit report!
My consolidated federal student loans were recently purchased by a new servicer : Navient ( XXXX ) After a few months of regular, automated payments consistent with my 20-year level repayment plan ( started in XXXX ), I received an email saying that my payment would change ( it was reduced by more than half ). Upon logging in to the website I observed that Navient had changed the terms of my loan repayment to extend the loan until XX/XX/XXXX. Prior to the change, I was scheduled to make the final payment in XXXX XXXX. Upon calling Navient, they were unwilling/unable to tell me whether the change in payment plan would result in me paying additional interest on the loan. There is also no information on the website detailing the full amortization of the loan ( previous student loan servicers have provided such information ). 

Because Navient refused to provide the information I was asking for, I requested that they change the payment plan back to the original terms. I do n't believe that a student loan servicer should be able to change such terms unilaterally ( especially if it will result in a greater cost to the borrower, which is my suspicion in this case ).
In 2009 I bought a new Scion XD from a Toyota dealership in XXXX, CA. I ended up paying cash for this vehicle, but the dealership never remove the financing options from my contract. Thus, when the title was created it was sent to Toyota Motor Credit Corporation. When Toyota Motor Credit Corp. realized they did not have a lean against my car and received my title by mistake, they mailed it back to the same dealership I purchased the car from without notifying me of the mistake or making any corrections with the DMV. In the seven years I owned the car, I never received any letters in the mail or a phone call or e-mails about needing to make any corrections either. Recently my car was involved in a XXXX. I was XXXX. My vehicle was totaled and while trying to settle with XXXX I was informed that I still had a lean against my car by Toyota Motor Credit Corp. I was then told that I would need to correct this issue first before I could receive any money for my totaled car. I am a struggling XXXX who works almost six days a week with XXXX and correcting this mistake took me over four days of driving to the dealership, a visit to the DMV, waiting for a loan release form to come in the mail, and paying shipping XXXX fees which the dealership did not want to pay ( even though this was totally their mistake. ) The dealership is now saying my original contract has disappeared since it has been so long, providing no real proof that I did or did not pay cash in the first place. Yet the Toyota XXXX dealership did call Toyota Motor Credit Corp and confirmed there was no lean on the car. The Toyota dealer/Toyota Motor Credit Corp. had no remorse of any kind for the inconvenience, hassle, and possible damage to my credit over all these years. In fact, I was told at the Toyota XXXX dealership that this happens all the time! I do n't think this is fair and/or right considering all I did was give them over XXXX and be a loyal customer. 
Thank you, XXXX XXXX
my car was repo for being 4 weeks being. I just had my car painted, new tires, new, bumper and more. The repo company drug my car out of my yard not only damaging my car but leaving marks and damage piece of my yard where it looks as if they hit the curve while removing my car. You can see in the pictures below the evidence and also the paint from my car.Now my car is also having an hard time switching gear.
I completed a refinanc e in  XX/XX/XXXX . This refin ance paid in full a loan I had wit h    XXXX   XXXX   XXXX   at  XXXX .  XXXX   XXXX ,  XXXX   XXXX   XXXX , CA  XXXX . Instrument number  XXXX  dated   XX/XX/XXXX  for  the amount of {$15000.00}. ln #  XXXX  date no satisfaction of lien or re-conveyance has been recorded to remove this lien from my title.   I have confirmed that  XXXX  acquired     XXXX   XXXX   XXXX   on   XX/XX/XXXX . Ac quired     XXXX   XXXX   XXXX  ,  XXXX   (   XXXX   ) i n  XXXX , DE.
transunion said that they would delete my inquries from their computer glitch in my last dispute through cfpb transunion has not done done what they said they would do please remove my inquries
Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. 






XXXX XXXX XXXX. XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$110.00}
I mailed a letter on  XXXX   XXXX ,  XXXX  by certified mail in order to dispute information in regards to a negative debt that is reporting on my credit report that I have absolutely no knowledge about. Experian received the letter on  XXXX   XXXX ,  XXXX  and they completed the request on  XXXX   XXXX ,  XXXX . This is the 3rd time I have sent certified letters to Experian in regards to this account. According to the FCRA Rules, FCRA 623 ( b )  ( 2 ) and 611 ( a ) ( 1 ), i t states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report and provide documents. The fact that I received a response in 8 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this negative account reporting on my credit report display as a sign of financial trouble when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for this negative account that does not belong to me. I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. The fact that they said the account was verified means the company had to provide documentation.  XXXX   XXXX   XXXX ,  XXXX  Edition,  XXXX , defines  Verify as, 1 ) " To  prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. ''  2 ) To  confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
Yesterday we found {$4900.00} in fraudulent ACH Debits taken out of our personal checking account at XXXX XXXX from XX/XX/2018 to XX/XX/2018. They were all through Paypal eChecks or Instant Transfers. Upon calling Paypal, we discovered there was another Paypal account set-up by " XXXX XXXX '' using our bank account information ( none of these transactions came out of our own Paypal  account ). Paypal immediately suspended the other account and has told us that they are willing to refund us for fraudulent charges of the last 60 days, but that our bank would need to submit an ACH reversal to do so. 

When speaking with XXXX, they are not willing to do an ACH reversal for the last 60 days, only the first 60 days after the first fraudulent ACH debit. When we initially spoke with our bank about the fraud, we flagged all Paypal charges as being fraudulent ( since XX/XX/XXXX ), although a few hours later we spoke with Paypal and realized that the XXXX and XXXX charges were not fraudulent ( we had actually made these ). Therefore, only charges since XX/XX/XXXX were fraudulent and we immediately informed XXXX. XXXX has since refused to change the date of ACH reversals to XX/XX/XXXX, as it should be, and they are not willing to submit ACH reversals for all fraudulent transactions even though Paypal will accept the ACH reversals the last 60 days ( XX/XX/XXXX - XX/XX/XXXX ). This obviously leaves us in a very tough position, as we will lose out on the majority of our money as the two 60 day periods do not line up! Upon doing research online, this also appears to be a very common fraud problem for consumers that use both Paypal and XXXX. 

What's the value of your claim ( in US $ )? {$4900.00} Date of transaction/travel date : XX/XX/2018 to XX/XX/2018