WillisBack/dataset-financial-user-claim huggingface dataset:
I have been requesting verification of the following public records that TransUnion continues to report on my credit file : XXXX tax liens : Docket # : XXXX and Docket # : XXXX. TransUnion continues to fail to provide me with the documents and the name and contact information for the " vendor, '' " source, '' or " company '' that was used to " verify '' the information as I requested. 
TransUnion 's investigation results include the following statement and I quote : " the information was collected from public records sources by TransUnion or a " company '' we hired. '' Exactly what company did they hire and what source did they use? They fail to even include the " company 's '' information such as name, address, and contact number on the dispute results that I received. I did not authorize TransUnion to receive any information about me from the " unknown '' company that they claim to have hired for verification. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting on my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX, XXXX, XX/XX/2009, 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. '' I request and demand that these XXXX tax liens : Docket # : XXXX and Docket # : XXXX are permanently deleted from my TransUnion credit file due to being unverified accounts IMMEDIATELY.
I previously attempted to resolve the matter of a public record unlawfully reporting on my credit report. The courts nor the state no any government body, FURNISHES DATA to any of the 4 major credit bureaus.

That is due to a 3rd party who I DID NOT AUTHORIZE to pull any public record with my name to sell that information to any organization nor share it with any organization. 

Anyone or Company who wishes to see a public record bearing my name needs to travel to the courthouse to view it in PERSON THEMSELVES if the matter is that important!!! 

Furthermore I opted out of XXXX XXXX and suppressed my personal information from being shared on the web or sold for profit. 

This is my last and final attempt and next I will file a lawsuit against Equifax.
This correspondence is in reference to XXXX. I rec 'd a letter from Capital ONe dated XXXX XXXX, 2015. THey still did not address any issue ofmy concern. THe letter states that she found no notes that my daughter conducted a XXXX-way call with her bank. I do n't believe her because they suppose to record phone contacts upon speaking with the consumer because it tells you that the call may be recorded. THat 's not true what she sent to me. I listen to the call because payment was made fvrom my daughter 's account and I could not take care of the issue because it was my daughter 's account. My daugher as told by her bank was never contacted to get payment. THe initial XXXX/XXXX/15 payment was noticied by me and I kept calling Capital One to see why payment had n't posted. We again calledc on XXXX of XXXX and payment still did n't post, meanwhile we are srtill in contact with Capital One about paysment. Finally we were told to get bank on a XXXX-way call because we knew money was in bank. They said the account was closxed, which is n't the truth. tHe payment wasd finally processed after she got her bank on phone about XXXX weeks after the original payment was called in. They are not pulling their records if so they would see that a XXXX dollar payment was finalized about XXXX/XXXX/15. Also I spoke with a person on Wed. XXXX/XXXX/15. She confirmed payment but becvause of so many notes on account she would have someon correct the misleading information and someone would give me a call in a couple of days. I have yet to receive a telephone call from anyone concerning this matter.
I had been in contact with the company regarding an outstanding debt. The account manager took it upon himself afterwards to call my relative out of state to discuss the debt.
My mortgage loan has been transferred to Bayview Loan Servicing and they have added a force placed escrow account to my monthly mortgage bill, even though I have been current on my insurance and property tax payments. Despite multiple attempts to straighten this out with Bayview, I have made no progress and this additional fee is part of my monthly statement which has caused major financial hardship for me. This is especially worrisome because my mortgage payment is scheduled to adjust next month with my payment increasing over {$1400.00} a month. I have called in to Bayview about this problem as well and they have said that they will possibly work with me, but based on my experience with them for the escrow issue I ca n't believe them. 

This problem began when I went to the county property tax assessor and challenged the value for my property. I opened up a dialogue with the assessor and presented him evidence that my property value was significantly lower than the amount assessed. The assessor AGREED with me but needed documentation and proof and needed the information to be processed through their system. As a result, I paid my property taxes based on the ESTIMATED tax that was going to be owed after the assessor processed my appeal of value paperwork. The county was fine with that as was I, but for some reason Bayview decided to step in and pay the original bill owed FOR ME, even though an appeal review was in process. Bayview believed I was avoiding paying my taxes and without any consultation added a forced monthly escrow charge to my bill. This has started a financial problem for me as I budget to pay my escrow twice a year, instead of being charged every month. 

My current mortgage payment is {$1900.00} a month ; this is due to a step modification that I received back in XXXX when my loan was with XXXX. I have made all payments on time, but the interest rate is now going up to 4.625 % and my payment is increasing to {$3300.00} a month ( not counting that additional escrow that Bayview has tacked on! ). I am still a small business owner ( I own a XXXX ) and business has never really rebounded after the recession in XXXX. I am able to make a decent living but have had to take on boarders in order to make ends meet. I am grateful that I received a modification back in XXXX but need Bayview to work with me to help me keep my home -- I have proven if given an affordable payment I will make it on time each month. 

I will not be able to survive the impending increase in rate and payment as well as the additional escrow fees Bayview is saddling me with. I am concerned that they just do n't care about their clients based on the way they have handled my escrow account
ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOCIATES HAS CALLED MY CELL PHONE REPEATLY PHISHING TRYING TO COLLECT A DEBT I DO NOT AND NEVER OWED THEM AGAIN ONE BROWN PENNY! THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION ACT! NEVER A LETTER COMES BEFORE THE UNLAWFUL PHONE CALLS TO MYSELF AS WITH THE IILEGAL TACTICS OF PHISHING TRYING TO COLLECT A DEBT WHICH PORTFOLIO RECOVERY ASSOCIATES IS KNOWED THRU OUT THE COUNTRY FOR! I REPORTED THEM ON THE SAME COMPLAINT XXXX ON XX/XX/XXXX ALSO CALLED THE XXXX XXXX   XXXX AND TOLD THEM TO STOP THIER NONSENSE! THE FLORIDA STATE ATTORNEY WILL GET MY NEXT LETTER TI GET THEM TO STOP VIOLATING THE LAW. I  AGAIN DO NOT OWE THEM ONE BROWN PENNY OR ANY MEDICAL INSTITUTION THEY ARE PRETENDING TO COLLECT FOR! I AM A XXXX FOR OVER 30 YEARS AND KNOW WHEN A FRAUDULENT PRACTICE IS BEING DONE TO MY REPUTATION AND MYSELF!
With failure to regulate credit reporting agencies, or their ability to continually lie, misinform, and fail to investigate factual issues, instead just consider their own financial well being without serving the consumer. In order to join the pending class action against XXXX, or not join I sent XXXX a copy of all my identifications, social security verification, and address verifications, and they still refuse to investigate information. In their response they list my actual name, but embedded within their report is a name that is not legally my identification, which is the method they use to continue reporting inaccurate information. Additionally, In a previous disputes which has caused me economic harm, they have listed two public records bankuptcies, which I disputed, they responded with they verified the information with a third party and it remains, I contacted the third party vendor concerning the entries, and received a letter which i provided to XXXX, which was ignored, and a response that they wouldn't reinvestigate information that they have previously investigated, given the fact that I proved that their information was inaccurate, they continue to fail to perform their statutory duties under the regulations.. Most recently on XX/XX/18 i received a letter stating that they refused to reinvestigate a entry on my credit report, XXXX, indicating that they had previously investigated it. In that request, i provided proof of my name, address, social security number to XXXX, and they still refused to reinvestigate, considering the fact that they entry is verified with inaccurate information on their part, but in their statue violation performance when information doesn't verify, XXXX will just add the name of the wrong person, to justify their entry. In this XXXX entry, XXXX  previously deleted an account reported as XXXX XXXX XXXX XXXX, which is the same company as XXXX, but refuse to delete this unverifable entry. 
It is my belief that XXXX will ignore their responsibility to factually report accurate information to the CFPB, which again will give me leave to join the pending class action against them for the same performance.
I have been trying to get assistance with Citi Mortgage for 3 years now. When my hardship started my daughter was a XXXX. Now she is going to be XXXX. There has been a lot of time wasted and no solutions. My case was unjustly closed twice due to missing documents, they had those documents on file and they had me re apply again wasting more time. I am attaching my letter explaining more, and my authorized third party provided me with their notes with names, dates and ID numbers. I just want a fair review and i want to start paying my home again with an affordable mortgage payment.
Sent a letter all 3credit bureaus for the credit collection agency, American credit bureau to validate that i owe this debt and the collection agency sent letter with black marker scribbled on it. I feel this is a HIPPA violation.
XX/XX/2018 Capital One, Quicksilver Rewards I have written to Capital One to stop sending me their details about Capital One Quicksilver. I DID NOT ASK THEM TO SEND ME ANYTHING, I DID NOT CONTACT THEM.

I've called XXXX to no avail. I have told them this is how fraud starts - with someone else getting their hands on these mailings and opening an unauthorized account in my name. THEY DO NOT CARE! They have sent me one letter for the last six months. They claim they can't stop them from coming! That is a lie!!!!

I want this to stop! I did not contact them, I do not want their card, I do not want potential fraud.
XXXX XXXX XXXX XXXX I am a long time customer and I am writing you because I just received XXXX packages via US Mail one with a trial period for HAMP because I am behind one month on my home mortgage. This is the one home I own and live in with my XXXX sons. I 've heard horror stories about getting into HAMP then at the end of the trial period get denied and then I must pay the difference right away to then avoid foreclosure. I work for the XXXX and really need your help with this matter, yes we are the little guys but we are your customers that do n't want to be left out in the streets with their children. My hardship began with my divorce as she quit claim the home to me, and I 've raised XXXX my sons on my own, then just recently in XXXX my grandmother passed away and we all had to help with the funeral payments. I was working 10 months a year because I work for the XXXX, but now they finally gave me 12 months employment, which I 'm thankful and grateful. I will consult with my attorney whether he advices me to do the HAMP and I will then let Wells Fargo know. I 'd like to catch up so that I could be current, I just need to know the exact amount which is the month of XXXX and now on the XXXX the month of XXXX. I will pay XXXX at the XX/XX/XXXX. Most of my family have accounts with Wells Fargo and I am begging for your help and attention to this matter, I do n't want to be left homeless with my XXXX sons. My home preservation agent is
I took out a Home Equity Loan from First Citizens Bank, XXXX, SC XXXX on XX/XX/XXXX in the amount of {$43000.00}. Payments were made on time from XX/XX/XXXX thru XX/XX/XXXX. No payments were made from XX/XX/XXXX thru XX/XX/XXXX. First Citizens charged off the loan on XX/XX/XXXX. 

On XX/XX/XXXX, I received a notice from Mr. XXXX XXXX XXXX, XXXX, Attorney for First Citizens. He stated, that pursuant to the South Carolina Supreme Court Administrative Order XXXX, I had the legal right to be considered for Foreclosure Intervention, which included a loan modification. See attached file ( # 1 Right to Intervention XXXX ). 

On XX/XX/XXXX, I wrote Mr. XXXX, stating that I would like to discuss a loan modification See attached file ( # 2 My Request for Intervention XXXX ). Subsequently, I received a phone call from First Citizens. After some discussion, the First Citizens representative agreed to the loan modification, providing I repay all past due amounts, agree to a new payment schedule, and sign a Confession of Judgement. See attached file ( # 3 Judgement by Confession XXXX ). I was also told that the executed Judgement would serve as the modification document. I further agreed to have First Citizen draft payments against my bank account on a monthly basis. All payments have been made on time and as agreed from XX/XX/XXXX thru XX/XX/XXXX. See attached file ( # 4 First Citizens Statement XXXX ). 

Under the Modification Agreement, once the past due amounts were paid, all subsequent payments were to be applied to Principal only. In the Spring of XXXX, I discovered that First Citizens had charged {$2100.00} of my principal payments to interest. First Citizens agreed this was the case See attached file ( # 5 First Citizens letter XXXX ). First Citizen has  never updated their records to correct their error. 

XX/XX/XXXX
My husband and I closed some credit card accounts after paying them off and after a bankruptcy. Apparently he kept a XXXX XXXX Credit card that I did n't know about and ran it up before he passed away in XXXX 2012. I just now found out that this account is adversely affecting my credit.
I drafted a letter to Experian on XX/XX/2018 requesting removal of unverified accounts and/or details of the validation of verified accounts which was received by their agent on XX/XX/2018. Experian did NOT respond within the 30 days required under the FCRA which is a direct violation of the law. The response received was postmarked AFTER the 30 days they are allotted by law. I will attach proof of the tracking and their postmarked response.
I have reviewed my credit report and found inaccuracies from XXXX XXXX. i sent them a letter asking them how i still owe your company for this debt. I have received a XXXX on this account and i do not owe this company. This company is taking away my FCRA rights.
Keep receiving harassing and suspicious robocalls from so called Global Credit & Collection Corp. from the phone number XXXX almost every day. I have no past due debts with any creditor and I have not received late payment letters from any financial institution or any other. Have n't received any official document or letter from that company either.
Hello, Equifax is allowing an inaccurate reporting on the  XXXX  account in my credit file. The balance on this account is {$3400.00}. This account was charged off. This account also was cancelled/forgiven by sending the IRS and myself a  XXXX  in  XXXX  with an identifiable event code G, the decision or policy to discontinue collection. Equifax allowing  XXXX  to verify this balance on my report is a form of "  Collection  ''. After cancelling/forgiving this debt the balance should be then updated to {$0.00}. This is a failure to timely update the credit report required under FCR A 623 ( a ) ( 2 ).  Included a have a formal copy of my    XXXX   XXXX   from   XXXX  with all supporting info that this debt was cancelled/ forgiven/ extinguished. Also included is a copy of my drivers license and social security card for identity verification. This was last disputed with Equifax on  XXXX / XXXX / XXXX  via case number  XXXX .
I filed a complaint on 2 companies regarding the same issue back in XX/XX/XXXX - First one on XXXX XXXX = Complaint # XXXX & Second on XXXX XXXX Complaint # XXXX. This is now the 4th time. 
Below is the history with XXXX XXXX - In XX/XX/XXXX, this was on my credit report with ( 1 ) XXXX XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) I disputed these with the credit bureaus and it was removed from my credit report. I began looking for a home in early XX/XX/XXXX and ordered my credit reports to find XXXX XXXX had placed these 2 accounts with ( 2 ) XXXX   XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) again I dispute & it is removed. I was a few days from closing on my home in XX/XX/XXXX when I recieved a call from the Mortgage Broker telling me I could not have the loan because a collection was just filed on my report. I was in complete amazement to find that it was XXXX XXXX again, they had placed 1 account for {$530.00} with ( 3 ) XXXX XXXX. I  filed a dispute with the credit bureaus and filed 2 complaints with Consumer FInancial Protection Bureau, 1 on XXXX XXXX = Complaint # XXXX & the result was the CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and on XXXX XXXX Complaint # XXXX & the result was the Company responded on XX/XX/XXXX & was removed from my credit report. On XX/XX/XXXX, I called my bank regarding a car loan & was told no because I had a recent collection. Ordered my credit reports again & now for the 4th time XXXX XXXX has placed that {$530.00} account with ( 4 ) AFNI, INC. 
Each time XXXX XXXX has sent the account to a collection agency, they change the account number & the date opened. This causes a collection to be on my report & shows late payments which has caused me a lot of grief at a minimum. I have attached copies of the previous complaints I filed with your agency, pages from my credit report reflecting the XXXX XXXX account with the different collection agencies over a period of time. 
Please Help Me!
They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from XXXX, Experian, and XXXX Thanks
This CRA did not forward all my documents to the original creditor and ignored my efforts to get proof how they complied with The FCRA 15 USC 1681 623a7 and Utah law 70c-c72016, If this was complied with I would have known in advance these mistakes.
I have a bank account at SunTrust that I opened last year. It has a mandatory minimum of {$500.00}, or a $ XXXX monthly fee occurs, unless a direct deposit occurs to the account. I have been out of work for a number of months and I have had to use money from this account so the balance has gone below {$500.00}. As I have no job, there have been no direct deposits. A fee was charged to me last month and will continue to be till I find a job or replenish the {$500.00}, which I ca n't till I get a job.
OnXX/XX/XXXX I noticed that my Checking account had an unauthorized transaction in the amount of {$260.00}. I first contacted the creditor ( XXXX ). The representative stated that she did not see any transaction in that amount in my account. I proceeded to say, that those funds were taken from my account, which is causing me to go negative in my account. I then contacted Wells Fargo, the representative from Wells Fargo then stated that the amount in dispute was pending and that it would take about 1-10 days for the matter to be resolved. Since I have business with XXXX the Wells Fargo representative stated that this is not a fraud transaction. I called Wells Fargo todayXX/XX/XXXX and mentioned that my checking account keeps on getting overdraft because of this issue. The representative stated that I should call XXXX and ask them for the funds to be released so that I can get my money back faster. I contacted XXXX and their representative stated that they don't see the charge of {$260.00} posted to my account. They see that the amount was taken but they do not know where the money was posted to as is not reflecting on my account. They stated it would take about 48hrs for them to give me an answer. In the mean time, this is causing me stress because there are other automatic transactions coming out from my checking and it keeps on causing for me to get overdraft. I'm upset over the lack of actions taken from both ends.
Call ed PNC office today regardin g an issue with them using my additional {$200.00} pmt for the principal and applying it to my automatic pmt of {$280.00}, resulting in an {$83.00} draft from my bank and no additional pmt on the principal. Found out that the last {$200.00} check that I sent for the  XXXX    XXXX   pmt did arrive at the right time, had the words " apply to principal '' on the check, but they decided to apply {$170.00} to the principal and {$23.00} to the interest for no apparent reason, totally disregarding my instructions. Was told that the checks are not processed by a person so that must mean a machine is determining to disregard the instructions and they are taking money that was designated for the principal and applying it for the interest, I assume, to accelerate their interest pmt and decrease my principal pmt. Had I not caught this, in 5 years, when the loan is due in full, I would have not owed the actual amount that I should have, had they applied the money correctly. I was then told to insure that they money is actually applied to the principal, that I have to go to a branch office and physically watch the loan office apply the amount correctly.   I can o nly imagine how many pe ople are being affected by this scam and have no idea that not all of their additional money is applied to the principal as instructed.
XXXX reported to all 3 credit bureaus, that I was late 30 days in XXXX and 60 days late in XXXX both in XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XXXX XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.