WillisBack/dataset-financial-user-claim huggingface dataset:
Transunion continues to report inaccurate and outdated info on my credit report. They refuse to remove data even though I have provided proof it 's incorrect. After them denying me and me coming back several times with different evidence, forcing them to update my report and even though they have continually victimized me, they continue to make it as hard as possible for me to get my report updated to accurately reflect my information. They following data is inaccurate and should be removed! Address ( es ) : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - They have my current address and it 's apartment XXXX! - Employer Name XXXX - I have never worked here - XXXX XXXX - It 's not mine AND it 's more than 7 years old! XXXX - I never authorized or opened this account. XXXX - I never opened authorized or used this account. The following inquiries are fraudulent and NOT the result of fair use - XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX. PLEASE stop ruining my life and reporting this inaccurate data! Transunion is very sloppy in their verification process. They have previously marked info " verified '' on numerous occasions and I came back with letters from the company saying the data did not belong to me. PLEASE make them do better.
I came into PNC 's XXXX XXXX location to open the accounts on XXXX/XXXX/14, however the slips are dated XXXX/XXXX/14. I did not fill them out. The person who opened my accounts, XXXX XXXX XXXX, is the one who filled in both deposit slips. This issue is with the deposit into the checking account- it is off by {$12000.00}. I was n't given credit for the correct amount of the certfied check deposited. The checking account deposit was {$2000.00} in cash plus the certified check. The amount of the check was {$16000.00}, but I was only given credit for {$4800.00}. The total deposit amount for the checking account should have been {$18000.00}, not the {$6800.00} I was credited. If you look at the deposit slip you can see the errors XXXX XXXX made. At the same time I opened the checking account, I opened a savings/money market account in which there was a cash deposit of {$12000.00}. After speaking with customer service many times and getting nowhere ( I kept being told that the error would be corrected and to wait a few business days for my adjusted credit to post ), I escalated my dispute and it was sent to PNC 's Retail Escalation Department. I initially heard back from XXXX XXXX in their Retail Escalation Department, who left me a voice message stating she investigated my dispute, saw the error made by XXXX XXXX, and would contact me again once the missing funds were posted to my account. The dispute I made was only regarding the deposit error made to my checking account. The deposit slip and credit appiled to the savings/money maket account was correct and therefore there was no reason for me to make a dispute for that account. I later got a call from XXXX XXXX in which she made the assumption that the certified check was split as I could not have had a total of {$14000.00} in cash with me ( I was given no basis for this assumption ) when I opened the accounts and that my dispute was being closed. I have spoken with cusomer service multiple times and have been told there is no documentation reflecting/supporting the determination by XXXX XXXX that the certified check was split. I went to the local branch and was told by the manager that only the Retail Escalation Department can do a credit adjustment for deposit errors. PNC 's policy for disputes is to issue a provisional credit 10 days after that dispute number is opened. In order to avoid giving me a provisional credit of {$12000.00} PNC keeps closing out my disputes without giving me notice it is closed. I am not given a reason why or who closed it. I keep calling customer service, am told my dispute is closed, and then have to open a new dispute. I ca n't reopen a closed dispute and the new dispute restarts the 10 day clock for the provisional credit.
Crown Asset Management , LLC and XXXX. XXXX XXXX XXXX. for amount of {$2300.00}. I had sent Crown Asset Management , LLC a debt validation on or about XX/XX/2017 who Crown Asset Management assigned or sold the debt to XXXX  XXXX XXXX XXXX, XXXX to collect the debt. The debt validation was sent to XXXX  XXXX XXXX XXXX XXXX , XXXX and they did not respond to my demand. Now Crown Asset Management , LLC assigned or sold the debt to XXXX. XXXX XXXX XXXX. and XXXX. XXXX XXXX XXXX. is now suing me. I have no knowledge of this debt.
Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request ( dated XX/XX/XXXX ). Equifax has violated the FCRA 30-day-to-respond regulation ( As of their XX/XX/XXXX frivolous request for id info, any subsequent investigation will put them past 30 days ). The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
XXXX XXXX XXXX  is reporting a collection account to all 3 credit  companies in the amount of {$4900.00} this account is not mine I have been disputing this account for a long time. I currently have sprint for the past 2 years for my cell and company services an my account is up to date with them. 
I need written confirmation from XXXX XXXXXXXX XXXX that this is my account.
On XXXX XXXX, 2017 I placed an online order with XXXX XXXX. I had the order shipped to my home address. The package never arrived after I received notification. The package was erroneously shipped to my previous address where I have not lived in 3 years. Prior to this order XXXX XXXX has delivered orders and mail to my current address. I contacted XXXX, the post office and lastly XXXX XXXX. They insisted that the error was not theirs and I should go and retrieve my packages. I asked 3 times to speak with a supervisor and they denied that request. I just wanted them to re-send the merchandise. I called back and asked that they credit my account the {$110.00} XXXX that I already paid ) and they refused,
Hello, My name is XXXX XXXX on XX/XX/XXXX a pension disbursement check from XXXX XXXX XXXX XXXX XXXX XXXX was deposited to XXXX XXXX XXXX in a IRA the amount of {$7200.00}. I made another withdrawal in XX/XX/XXXX of {$1200.00}. I made another withdrawal of {$1500.00} in XX/XX/XXXX. I forgot about the money years later and never withdrew anymore. The bank was taken over by Bank of America and I inquired about the money and I was told there is nothing in the account. So I would like to know where the remainder {$4500.00} plus interest.
I have constanlty harras by this deb collectorOF A DEBT THAS IS XXXX YEARS OLD. IS THIS LEGALUNDER NAME OF PATANAUDE AND FELIX APC. 
THI IS PHONE NUMBER IS XXXX XXXX XXXX NUMBER IS XXXX XXXX
I am an XXXX representing four individuals in a federal lawsuit alleging that XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ), among others, including XXXX XXXX, Transworld Systems, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX are unlawfully collecting student loans they do not own by virtue of the loans being purchased by XXXX XXXX XXXX XXXX ( " XXXX '' ) during its bankruptcy. The case is pending in Maine, Docket XXXX.
The XXXX have over 370 collection lawsuits pending in state court in this state that my clients believe are unlawful. The lawsuits are unlawful because the Trusts do not own the loans. The loans are " Postpetition Purchased Loans '' as that term is defined in the XXXX Bankruptcy in US Bankruptcy Court - District of MA, XXXX XXXX Docket XXXX ( XXXX ). The Plan is Document XXXX and the Plan Trust Agreement is Doc XXXX.
In short, the XXXX are claiming ownership of loans that were purchased by the XXXX.
This is a SIGNIFICANT problem because student borrowers are being chased by the XXXX Plan Trustee 's collection agents and The Trusts for the same loans, payments have not been credited, false and damaging information has been transmitted to credit reporting agencies and borrowers are being harassed. My clients settled what they thought were the XXXX loans for thousands of dollars and were nevertheless sued by the Trusts on the same loan.
trans union has names thats not me on reports also open account from XXXX XXXX  date open shows XX/XX/XXXX is incorrect XXXX  has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX  OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX XXXX one is XXXX XXXX XXXX open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting
My husband and I are trying to purchase a home through he VA program. I noticed a collection from a company called AD Astra on my credit report. To my knowledge, I am not familiar with the amount they are saying we owe and what it could be from and when. We watch are mail closely and do not recall receiving anything from this company stating what this is about. We did some research and decided to dispute the account and request validation. We disputed this in XXXX and re-disputed in XXXX. We have yet to receive any correspondence back from them. This is really frustrating and concerning and next year we plan to purchase a home and need to make sure the credit is in top form. I decided to file a complaint as a last resort since sending them a formal validation letter in affidavit format obviously is not working.
there is no sufficient information to support XXXX, Experian and XXXX XXXX claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX
Transworld Systems Inc, on behalf of XXXX started garnishing wages from my account for a XXXX XXXX on XX/XX/XXXX for the amount of {$260.00}. After the garnishments started, I paid the balance off in full with a one time payment on XX/XX/XXXX. In the process of them processing my loan payment, they deducted an additional {$270.00}. I contacted Transworld and an refund was issued for {$270.00} on XX/XX/XXXX. I deposited the check last week ( XX/XX/XXXX ) with XXXX XXXX, and I was informed on XX/XX/XXXX that the check did NOT clear. I repeat, Transworld sent me a refund check that bounced. I contacted them 5 times over a three day period -- from Tuesday evening XX/XX/XXXX ) to Midday Thursday ( XX/XX/XXXX ) -- and I get the same answer from every customer service rep ... email the supervisors. I have emailed the supervisors with a copy of the check and left a few voicemail messages and I have yet to receive any response. So as it stands they basically took me for {$270.00}.
On XX/XX/2017 I paid Capital One the balance of my credit card online in the amount of {$470.00}. I then inadvertently made a second payment online and overpaid my credit card by the same amount of {$470.00}. The payment cleared and my account is showing a credit balance for the {$470.00} with Capital One. I have called the company repeatedly, the first time they said they had sent the credit in the form of a check back to me to an address I no longer lived at. I asked to change my address and to re-send the refund, they refused to do either. After speaking with them again today, they are refusing to send a refund at all. They are now telling me that it is in their fraud department and they don't and won't send that credit balance back to me, even though they know both payments have cleared, they do have my money, and there is no fraud.
I was contacted by a person who claimed that I had won {$2.00} XXXX in a drawing. The person informed that to claim my prize, I would be required to send {$1800.00} USD as an advance on US income taxes owed on the prize money. The caller requested that I send the money via Walmart money-gram transfer. The caller specified that the funds should be sent in XXXX phases : XXXX for {$1000.00} and the other for {$850.00} and that each should be sent from XXXX different Walmart locations. 
The caller also requested that I keep the winnings secret from everybody so that others will not harass me for a share of the winnings. 
As I became more skeptical of the prize, I requested that the caller provide me with written confirmation of my prize. The caller then e-mailed me what appeared to be valid documentation from XXXX XXXX XXXX indicating that I had in fact won a prize. 
Based upon that information, I wired the first {$1000.00} to the caller in XXXX. I attempted to wire the second portion for {$850.00}, but the employees at Walmart strongly recommended that I not send the money. I complied with their advice and did not send the second installment. 
When I informed the caller ( " XXXX XXXX '' ) he became angry with me and informed me that I should have told the employees at Walmart that the reason for the transfer was none of their business and that I should have insisted on them completing the transfer. " XXXX XXXX '' informed me that without the advance payment on the taxes owed, I could not hope to collect my prize of {$2.00} XXXX. 
I also noted that the " documentation '' e-mailed to me indicated that the taxes due would be {$25000.00} USD. 
I subsequently sought the opinion of my tax advisor on this matter. He reviewed my documentation and recollection of events and informed that it was his opinion that I was the victim of fraud. 
The next day, the caller, " XXXX XXXX '' called to inform me that I would need to transfer, bank-to-bank, {$25000.00} to complete the required advancement of the taxes owed. 
When I informed my tax advisor of this new request, he stated that he would like to be present when " XXXX XXXX '' telephoned. 
The next day when " XXXX XXXX '' called, my tax advisor answered the phone. XXXX XXXX immediately hung-up and then called back about XXXX seconds later. On the second call, I answered and XXXX XXXX wanted to know if anyone else was present. I informed him that my tax advisor was present with me. When my tax advisor confronted XXXX XXXX about the fraud, XXXX XXXX became angry and demanded to know my tax advisor 's name and stated that he would come over and have him fired from his job. 
Over the next hour or so, XXXX XXXX repeatedly called my phone to harass and insult me for informing a third party of this transaction. 
I now understand the fraud that has been perpetuated upon me, and my hope is to inform others of the methods used by the fraudsters in their attempts to steal money from unsuspecting elders.
Hard inquires that I did not authorize and that ca n't be verified specifically. Student loan that is showing up has duplicates and reporting negative (   XXXX   ). Incorrect address (  XXXX   XXXX   XXXX   XXXX   ).   XXXX  revolving account  XXXX   XXXX   XXXX  and  XXXX  credit card. Also, a incorrect name  XXXX   XXXX . I 've been given the run around about these issues and never a direct answer or verification of the list of items mentioned.
On XXXX XXXX, XXXX, my home was foreclosed on. The first month of delinquency was XXXX XXXX for the XXXX and XXXX mortgages. The derogatory information remained on my credit reports for 7 years from that date of first delinquency and fell off XX/XX/XXXX. This year, XX/XX/XXXX, Real Time Resolutions re-inserted the XXXX mortgage on my XXXX and XXXX credit reports with new inaccurate information. I disputed this inaccurate information with XXXX and XXXX on XXXX/XXXX/XXXX. I also sent Real Time Resolutions a certified letter with return receipt demanding validation. I still have not received any supporting data for this debt but Real Time Resolutions has supposedly verified the debt with XXXX and XXXX. The home was foreclosed on in XX/XX/XXXX, so it is impossible for any activity to have occurred after that date. Real Time Resolutions re-aged the last activity to XXXX, which is a lie. I sent the credit bureaus in all of the supporting data showing that the re-insertion was an old debt from a foreclosure from XX/XX/XXXX and they have ignored my requests to delete. I feel the acts of Real Time Resolutions are unethical and violating my rights to fair credit reporting. The derogatory information remained on my credit report for the 7 year length that the law allows and Real Time Resolutions should not be allowed to re-insert this old debt.
A guy I was dating XXXX XXXX stoled my identity got this card in my name before we were married in the evening og XX/XX/XXXX. When I found out that this and other cards were in my name without my knowledge I filed for divorce immediately. XXXX other accounts were declared fraudulent. This one was not even though XXXX admitted to Barclay Bank that he was responsible for it and was made responsible for it in our marital settlement agreement. I did not know that I was on this account. I did not sign up for this account. I have asked for proof that I signed up for this accounts in XX/XX/XXXX and XX/XX/XXXX and have not received it. It has hurt my credit my credit rating and I want it removed.
This is concerning Wells Fargo. They did not open an account without my knowledge ( that I know of ) But they pressured me to open an XXXX checking and saving account. If I did not I was told my XXXX checking/saving account would have fees. With the XXXX extra accounts, I was to transfer money to the XXXX accounts once a month. then no fees. At the Wells Fargo office I was told they set it up to automatically transfer for me. They did not. My fault, that I did not notice for several months. I incurred fees on all XXXX accounts.
Borrower mortgaged his primary residence in XXXX for {$450000.00}. The loan is presently either owned or managed by Wells Fargo and is in default. The sale date is XX/XX/XXXX. On XX/XX/XXXX borrower gave verbal authorization to Wells Fargo to speak with borrowers loan broker. The broker made 5 separate calls to Wells Fargo. The number they provide is a call center than has no authority other than to refer the matter to another department. The loan broker spoke to 5 different parties. Three of them acknowledged the authorization for the loan broker to represent borrower for one day. The last representative could not locate the authorization that 3 other representatives found. Most of them recommended that the loan broker speak with another department. In the first case he was transferred to a disconnect. In the second case he was transferred to unending music. The third transfer was back to the same call center. A fourth transfer was to an outside and apparently unrelated company. The total time spent trying to speak to someone at Wells Fargo was 2, 1/2 hours and was totally unsuccessful. Two of the representatives said that the sale date could be extended but the requirements were impossible to satisfy. A pair of representatives said that a loan modification might be possible but the loan broker was not transferred to the proper party, and it was almost certain that discussion of a loan modification would be futile. Also the rate would be unfair and punitive if it could be accomplished. It is apparent that Wells Fargo is stonewalling borrower, with the intent to go to sale so that borrower loses his home or a sale is postponed and borrower is forced to pay unreasonable rates for the near future. Equally troubling is that Wells Fargo is aware that borrower is a minority and is being treated unfairly, much more than a non-minority. Finally borrower has a new lender who will lend enough money to pay Wells Fargo everything they claim is due. This lenders primary requirement is that the notice of default be lifted. Borrower owes about {$470000.00} and the home is worth approximately {$690000.00} at market value. Borrower is also able to make the monthly payments as due, and would be far better able to make the payments on a new loan at market interest rates. Since borrower is presently making all payments monthly as due, Wells Fargo is not at risk of any loss at all by lifting the notice of default. The notice may also be invalid for legal reasons. This is bad faith on the part of Wells Fargo.
My mortgage loan was sold from XXXX XXXX XXXX to PennyMac in XXXX of 2016. I had at that time been approved for a mortgage modification trial payment. In XXXX, when my first trial payment was due i called in to make that payment. The phone rep asked me my checking account number for the payment. I told them i would like to pay with a debit card, my reasoning behind using that form of payment was that i am on a fixed income and i only get paid once a month so i had to wait till the end of the month for the payment ( within the 30 days required of course ) and i wanted to make sure that payment was made instantly in the event the checking account took to long as i was making sure other payments did n't go through first. This would have put me in a place where my trial payments were not late. 
The rep would not accept the debit card as payment so i was only left with XXXX option of paying through my checking account. The second month came around and i made the payment through my checking account, and the payment bounced as i was n't able to make a more immediate payment with my debit card putting my loan payment through as a priority. 
When i went to make my final payment in XXXX i was told i was kicked off the modification trial agreement. I stated at that time if there were any funds missing i would be able to ensure those payments were complete and they would not discuss this with me. Where i do realize the terms of a modification trial payment is to make the payments on time, i feel as though i was almost set up to fail by denying me an alternate form of payment. I was told " no banks take payments through debit accounts '' which is an absolutely XXXX statement as ALL the accounts i have had accepted those types of payments.
Specialized Loan Servicing will not give us an accurate principal balance on our loan. The took over our loan in XX/XX/XXXX and the payment history report we received shows the loan balance is going up and not down. We have asked several times for assistance and we continue to get documents that are not helpful. Our loan is currently underwater and it could be due to this issue. The original loan was {$72000.00} in XX/XX/XXXX and now the Servicer states that we owe {$76000.00}. SLS is not reporting our loan to the credit reporting agency either. We have never modified or refinanced this loan. The property value is currently only {$40000.00}.