WillisBack/dataset-financial-user-claim huggingface dataset:
The first time this company reach out to me was via email. The same day they emailed me my mother received a phone calling telling her if she didn't return the call rearguards to me she would then be charged ( a voicemail was left and saved with this message ). I reach out to them told them i paid the debt they said to send proof. I sent the letter i received and used the last time i was contacted about this same debt. I also told them this was now the 3 agency to contact me about this debt and i don't understand why. They told me they believe this was one that was accidentally double sold and after i take care of it it should be the last time. I sent the letter and they emailed me back saying the company i paid is fake, the letter doesn't give proof i paid it and so on. They then have called me numerous times on my cell phone and on my work phone. I told him to cease and desist all calls when he called me work, he then called my cell phone and wanted to argue telling me hes helping me. I told him to send me a letter he said we did an email, i said no mail and do not call me anymore and then hung up.
I want to report TransUnion violation of the Fair and Accurate Credit Transactions Act [ FACT ACT ]. I have tons of trade lines on my credit report. One of the trade lines, reported by XXXX [ Opened on XXXX ],  erroneously reported my account was being " 30 days late '' in XXXX of XXXX, even though I mailed them a payment check. When I opened a dispute through the TransUnion website, TransUnion forwarded the dispute to XXXX, and let XXXX have the SOLE decision to make a decision without reviewing all the facts and documents presented to them. To give the creditor sole power to make decisions is an illegal process that can result in incorrect information on a person 's creditor report. 

I hope this error gets resolved by TransUnion because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report. My account history shows that I have a 12+ year history of perfect payment. 

I have attached copy of the check I mailed to XXXX as proof that a payment was sent to them. I want TransUnion to update my account status to remove the " 30 days late '' to accurately reflect the status of my account according to the Fair and Accurate Credit Transactions Act ( FACT ACT ). Since they house all the data, they have a legal responsibility to make sure it is accurate. 

The Consumer Financial Protection Bureau have said federal law requires the credit-reporting companies to conduct a reasonable investigation and update the data to show necessary changes or delete the item.
Huntington Bank is attempting to UNDERMINE the CFPB and any other gov't regulations by retaliating against consumers who report truthful and troubling policy practices. 
Huntington bank closed my checking account as retaliation for reporting to the CFPB ( see case numbers XXXX and XXXX ). 
If this is the new norm of financial institutions, it will severely undermine the purpose of the CFPB or any other gov't agencies attempt for future correspondence from consumer 's. Unless, of course, the CFPB takes immediate action, that is recognized as a decisive deterrent. 

As a result of Huntington Banks retaliation I will have several checks/payments go unpaid and returned costing me fees and hurting my relationships with the payee 's. THERE IS NO WAY I HAVE ANY REASON AT ALL TO TRUST HUNTINGTON BANK after everything that has transpired. Huntington mentions I can still deposit funds into my checking up to XX/XX/XXXX, but why would I trust them and what if the checks/payments I have coming in do not post by XX/XX/XXXX? I can not see any reasonable person trusting Huntington Bank who has experienced what I have experienced with them. 
Let 's be clear on what transpired : -XX/XX/XXXX : I opened a Huntington Bank personal account and deposited {$500.00} cash - I also ordered checks and paid {$27.00} -XX/XX/XXXX deposited another {$800.00} cash -Dec. XXXX, XXXX I deposited my monthly salary check from White Tree marketing of {$9000.00} XX/XX/XXXX Huntington Banks online banking displayed the check had cleared and I had {$9500.00} available to withdrawal - XX/XX/XXXX I walked into a XXXX XXXX, Mi XXXX branch to withdrawal {$9000.00} ( this withdrawal was for an investment into my brokerage account ) however, Huntington Management refused to give me ANY funds, when I requested a reason why the police were called to escort me out of the bank ( see my previous complaints ) - Huntington 's investigation provided the CFPB and myself with untruthful information, therefore I responded with facts. Understand everything I have claimed with respect to Huntington 's untruthful information, I can back up with irrefutable facts. 
Note : I am more than willing to provide these facts to any gov't agency Days after I called Huntington Bank out for lying I received a letter from them dated XX/XX/XXXX informing me they are closing my account. ( see attached ) In this letter signed by XXXX, ( who will likely be Huntington 's scapegoat ) XXXX reiterates the following " XXXX, if you have further questions, you 're welcome to call me directly at XXXX etc ... 

NOTE : I have made over a dozen attempts over the past XXXX weeks to contact XXXX, not once has she answered the phone, I always get a voice message. Therefore, XXXX ( XXXX ) times I have left a clear voice message ( the first on XXXX ). Not one time has she or anyone else returned my calls. Additionally, today XX/XX/XXXX I called the numbers at the bottom of XXXX letter, as XXXX offered and was left on hold for over XXXX minutes, the representative continued to act ignorant of my issue and Sue nor anyone else from XXXX department would take my call. 

Hey Huntington Bank ... '' I hear what you do NOT what you say ''
In the XX/XX/XXXX green tree servicing bought out the servicing rights from XXXX XXXX XXXX. The first month and a half were as usual, the people were confused but helpful when I called and asked what happened with the transfer of servicing. I had mailed my XXXX payment with my XXXX payment book statement as we always did. Two weeks later we received a late notice. The notice informed us that the full amount had not been paid, that they had increased our escrow amount to match what they called their policy. they like to keep an extra 6 months on top of the normal escrow amount available. We called and they told us about their escrow policy, two days later we received a letter in the mail detailing their escrow policy. So basically we had the option of our rental propertys loan to go up XXXX a month or pay XXXX. I refused to pay any additional escrow above what was needed. That 's when the phone calls started, a representative named deny called me XXXX times a day, telling me I was not fulfilling my obligation to green tree. Not fulfilling my obligation as a man he once said. One time even sending me to another representative to try to get me to start the short sale process, on my home that in his opinion was way underwater. XXXX which it was but so was everyones ). My argument was I had an agreement with XXXX and they should honor that not vice versa. Still the calls came. finally we did write a check for the additional escrow after three weeks of nonsence, and filed a complaint with green trees management. Two months later I refinanced XXXX. It was worth paying almost XXXX in closing costs to rid ourselves of this bogus XXXX company.
This company calls my business looking for someone that is not here. They fish for personal information. They use threats and intimidation. They are rude and obnoxious. They continue to call even though told that the person they are asking about is not here. 

I will not be threatened by some random low level XXXX XXXX collection agency looking for information on someone not at this number. If they call again, I will call the police.
I have a bank account with BoA where I have been a account holder for over 16 years, I have my mortgage and direct deposit with them. I requested overdraft protection with them on my regular checking to be funded by my direct deposit account, instead it was setup backwards, now I am not sure how it occurred but the bottom line is I have over a {$100000.00} dollars in cash and bills flowing through them every year. I guess I am so small that they need to charge me for fees that I should not have been charged for and then can easily tell me no we will not help you. I called on XXXX/XXXX/2016 to their help line and was told no we can not help you. I am going to begin to move my funds away from them ASAP but just wanted to file a formal complaint on a company that does not care about it 's customers. I know they see all of the cash flowing through my accounts and could have easily refunded the small {$35.00} fee. I know if XXXX folks ask for {$35.00} it 's XXXX but I am sure it is still a small amount compared to the XXXX they make and the salary of their CEO.
last month on or around XX/XX/XXXX we went to make the payment which normally had been due on the XX/XX/XXXX for XXXX and we were late on the payment for XX/XX/XXXX from a 2 week off period with no check. Citibank normally will add  some to the payment but it was XXXX and when we went to livechat the woman harassed us and said this would be the payment from now on starting in XX/XX/XXXX without even asking why it had been late. She was unwilling to listen and harassed me and I am XXXX and do the bills for my wife. Now when I went to pay today it had the full amount of over 2000 on the payment. Home depot has been running a hidden promotion with no notice anywhere in the store that if you spend over XXXX it automatically is a promotion and nothing said or posted anywhere about their new hidden scam being shown. The rep was unwilling to work with us to have the payment the same as before and was very hostile so I cut the chat. We want an audit and investigation into their hidden promotions and these btw are illegal and showed up 3 months after the purchase was made in our online payment. Also we are suppose to get a paper bill in the mail each month and they haven't sent one in over 6 months. The payment date is the XX/XX/XXXX and this rep decided to say it was due on the XX/XX/XXXX with no prior notification of the change or authorization or paper bill sent to us informing us of the change.
I have been repeatedly contacted at my office which I. Stated I could not be contacted at. XXXX the individual tries to force me to verify personal info social dob etc. says unpaid balance from XXXX XXXX XXXX XXXX collecting for XXXX I send to send letter or contact alt number I would not give personal info. He then said he will contact my employer to have wages garnished. Fairly certain. This is illegal and not a legal payday company or in Florida. Not to mention debt collecting policy etc. these people harass and should be shut down
I experienced financial difficulties and was denied a modification with Caliber mortgage. I then requested a Short Sale to avoid a foreclosure. In addition the HOA payments were late and the HOA was suing for payment and the City of XXXX XXXX XXXX lien refused to assist and advised that they would rather foreclose due to lack of manpower in their office. While we were in the Short Sale Process, the negotiator advised that we had a foreclosure sale date of XX/XX/XXXX. Caliber 's representative advised our agent on XX/XX/XXXX that she needed to have the HUD1 updated to reflect changes necessary to approve the short sale and thereafter we would have XXXX days to negotiate with the HOA and XXXX lien. Our agent complied. However, once we filed the Ch XXXX BK, our agent was advised they needed a Court Approval for the Motion to Sell. Our attorney advised that we would need an approval from the Lender to request the Motion to Sell as is Customary. Our agent also consulted with the Lender 's BK attorney regarding the situtation to find out why they were requesting the Motion to Sell before receiving the approval from the bank. The paralegal at the Attorney 's Office XXXX XXXX XXXX advised that there must be a confusion and was going to check with the Bankruptcy Department at Caliber. Also, the Negotiator at Caliber keeps telling our agent that their is a Foreclosure Sale date up for XX/XX/XXXX, while the paralegal advised that the sale was on hold. It appears that the lender may not be adhering to the BK rules? I was also advised that per the bank, I had to resend the offer we currently have within XXXX days of the foreclosure date to be able to review in order to avoid a foreclosure. This does not make sense at all. Additionally, we requested a HAFA short sale and the same negotiator advised at the onset that we could not do a short sale via HAFA, yet they participate in the Hardest Hit Fund Program. This loan was originally an FHA loan and then apparently transferred to a non FHA loan when the loan transferred from XXXX XXXX XXXX to Caliber Mortgage. Furthermore, our property had roof damages and I filed a claim XX/XX/XXXX. The check was sent to us with the then lender XXXX XXXX XXXX 's name along with ours. We were advised that because we were in financial hardhip it had to be done this way. Again, this did not make sense as we could not cash the check at XXXX XXXX XXXX. Finally a letter was sent to XXXX XXXX and what occurred next was unimaginable. We were asked to send them the {$5000.00} check for damages apparently so that we would get a replacement check without having them on the check so that we could cash it. All this time we were trying to work with the insurance adjuster and he accused us of cashing the check and could not send a duplicate check. Soon after it was found out that Caliber Mortgage has cashed the check and we have not heard back from anyone advising regarding this issue. I could not cash the check for XXXX years, yet XXXX XXXX XXXX can dispose of our funds so easily to Caliber??? We urge you to assist us in investigating thouroughly this situation.
I am filing this complaint because TransUnion Credit Bureau has ignored my request to provide me with the document that their company has on file that was used to verify the account I disputed. being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA* they are required to " promptly delete all information which can not be verified '' that I have disputed. Thank you for your prompt attention to this matter.
My XXXX credit report indicates that Synerprise ( a collection agency ) reports that I have a {$300.00} in collections. XXXX reports that I do not owe this Bill. My insurance provider XXXX XXXX XXXX reports that I do not owe this bill. XXXX XXXX ( original creditor ) reported that the billing was in error and that I am not liable for the bill. I have been trying to get this matter cleared up since XXXX 2015. The erroneous information reported by Synerprise to the Credit Bureau is having an adverse effect on my credit score.
I have a certified letter to them to not contact me before XXXX They still contact me and now are contacting me at work, via email. Also they sent me an email, which I have that says " per our conversation the other day '' here is ... I did n't have a conversation with them, I just called them on it and XXXX people XXXX and XXXX admitted to use this letter in order for me to contact them. My bill is n't even 30 days late.
I was an authorized user on a Capital One credit card. I asked to be removed several months ago, XX/XX/2017. 

I have not been removed yet and the primary card holder has allowed the account to go delinquent, which negatively affects my credit.
I have sent in XXXX/XX/XX/XXXX payments and XXXX XXXX has not cashed my checks. I tried to call them and got recorded message they are not accepting calls. When I checked the internet to see if they were still in business it indicated that XXXX XXXX closed effective XX/XX/XXXX to contact a number that is listed for XXXX. When I called the number it was Resurgent spoke with XXXX XXXX on XX/XX/XXXX he confirmed that XXXX XXXX closed effective XX/XX/XXXX. I advised that I have not received any letters or documentation of this. He directed me to contact new servicer XXXX, XXXX, XXXX XXXX XXXX. Who are these people? Are they going to steal my money like XXXX XXXX? Why are these companies/lawfirms sending letters notifying customers? I need debt validation letters from Resurgent and the new servicer. I need proof.
My ex had a bank account with  XXXX   XXXX  in Arkansas  in 2014 tha t was overdrawn and he never paid it off. I was an authorized user on the account. The amount is {$700.00}. I went to the bank to pay it off on several occasions and they say that my name is not on the account and I am not allowed to pay it off or even make a payment on the debt. But the account is on my report.
IC System is reporting a debt of {$380.00} from XXXX under my name to XXXX credit reporting agencies -- XXXX, XXXX, XXXX. Unaware of such an account, I requested that IC System send me specific information pertaining to this debt under Texas XXXX XXXX XXXX XXXX XXXX XXXX ( see attached letter XXXX. According to XXXX XXXX, when requested, a debt collection agency or credit bureau must provide the alleged debtor with specific validation information concerning their alleged debt within XXXX calendar days. 

The debt validation request was mailed via XXXX Certified Mail with Return Receipt on XX/XX/2016 and received by IC System on XX/XX/2016. IC System has been given more than XXXX calendar days to provide a timely response, but has failed to respond at all. 

Per XXXX XXXX XXXX d ) ( XXXX ), failure to respond to the request within XXXX calendar days, or failure to validate the debt, requires IC System to delete their tradeline from all credit reporting agencies. 

In addition, since receiving a request for validation, IC System has submitted a " XXXX '' remark to the credit reporting agencies ; an action that I did not request. I merely requested more information about an alleged debt, which is fundamentally different from disputing such debt. IC System took it upon themselves to report a dispute that I did not request. 

IC System is not only attempting to collect a debt that they can not or have not validated, but their collection practice is irresponsible. This feels like a bullying tactic to ( XXXX ) make a person feel guilty about requesting more information, and ( XXXX ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.
XXXX XXXX is reporting an account in the amount of XXXX to credit bureaus. The account was charged off in XX/XX/XXXX with a balance of {$13000.00}. The vehicle was sold for XXXX. The cost of repossession was approximately {$1100.00}. The company starting charging interest on the account after it was charged off and closed with out sending me any detailed statements about the interest. The company reported this account in XX/XX/XXXX with an amount of {$9100.00}. They kept charging interest until XX/XX/XXXX when the amount reached {$10000.00}.
On XX/XX/XXXX I transferred {$1300.00} from my XXXX acct to PayPal acct via mobile phone the deposit never occurred n when I followed up with PayPal they said the money transferred to another account with the same phone # as mine and they can not do anything about it. I have filed complaints with FDIC on XXXX only as they do not have jurisdiction on PayPal. I have numerous internal complaints with PayPal n both banks blame each other n take no responsibility in resolution its been 2 months now???
I Have good credit and TJX Rewards wont upgrade mycredit card to a master card and I do n't think that its fair.
I have disputed multiple bankruptcies on my XXXX, XXXX, and XXXX credit report. The issue that concerns me is LexisNexis. I contacted LexisNexis and told them, they were reporting inaccurate information to XXXX, XXXX, and XXXX. I also asked LexisNexis to place a security freeze on my file. They sent me a letter stating that a security freeze is now in effect as of XX/XX/2018. Also, the security freeze would prevent LexisNexis from releasing my XXXX reports or scores derived from the information therein. On XX/XX/2018 I received a letter from XXXX  stating they verified multiple bankruptcies through LexisNexis once again. even after the security freeze was in place. 

This matter has affected my life in the worst way. I need the CFPB to assist me with this because my rights have been violated.
for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail
I am a co-signer on a loan with XXXX which is serviced by Great Lakes. I was contacted by XXXX as the primary borrower is 140 days past due with payments. I requested an accounting in writing from XXXX XXXX XXXX and was informed that they do not provide statements of debt. I called Great Lakes to confirm the financial information regarding the amount past due that I was given by XXXX XXXX XXXX. They told me the past due dollar amount. I requested a statement of the debt owing from Great Lakes and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that XXXX XXXX XXXX and Great Lakes gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.