WillisBack/dataset-financial-user-claim huggingface dataset:
To begin, my previous dispute with the Consumer Protection Bureau against Transunion was not properly addressed. Originally, I demanded validation from the following creditors : XXXX XXXX and XXXX XXXX to prove the amount they seek to collect is valid. They have not provided any evidence or information to me to substantiate their demand for payment. Transunion did not provide an explanation of how they verified the creditor has complied with my validation request to allow them to continue reporting the information. All Transunion has done is describe how TransUnion verified the balance due. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the creditor 's compliance with MY DEBT VALIDATION REQUEST. 

Although, it is not Tranunion 's obligation to mitigate disputes between consumers and data furnishers, it is Tranunion 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; the creditor can not report information that they can not validate to me, the consumer, after I have requested it. This letter is advising you that the company has not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the continuation of reporting their furnished information. 

Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I own and operate a conglomerate that focuses on the acquisition of well performing small businesses and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.
We have a complaint against Nationstar Mortgage. There was no willingness to work things out for us, in order to help us! We have tried so many times to modify with them, so we could keep our home, which we love, and have taken such good care of for over 18 years! They instead raised the price of our mortgage, instead of reducing it! They Never had intentions to help us homeowners! We know other banks who have helped other homeowners to modify and keep their homes, Nationstar is not one of those, they are not interested in helping others!
Equifax continues to breaks the laws and commits numerous FTC violations regarding my credit file. I opt out from promotional inquires XX/XX/XXXX. I placed a credit freeze on my file XXXX XXXX. Not only have Equifax allow my credit file to be pulled by unknown companies last year Equifax continues to allow companies to pull my file after the credit block was place on my file. Equifax is XXXX of the reason I believe that my credit file has been compromise, stolen and misuse. Equifax does not protect my information. I continue to receive offers from third party companies because of this lack of security and protection of my credit file.
Rushmore loan services company repeatedly neglected to renew my wind insurance coverage then enstated their own coverage and charged my escrow XXXX for 6 months premiums. Hours on the phone since XXXX 2016 with the help of my insurance broker I got my own insurance reinstated but they still charged my escrow that XXXX dollars. For " my security '' that do n't do emails. Almost impossible to track my communications and faxes with them. I had to pay inspectors to inspect the house because they let my insurance lapse. I feel this may be a common practice for them to collect some extra revenue. It seems criminal to me. I 've never been blatantly lied to and ignored so bad in my life. Please help and make sure they 're not doing this to other people as well.
FCO ( fair COLLECTIONS and outsourcing ) has a debt on my credit report that is not mine. I have filed disputes against them and have had it taken off my credit reports many times due to no actual contract between myself and FCO. And it keeps popping back up under either a new kind of debt ( revolving credit, loan ) or a new start date. This is clearly illegal and unethical and I want this item removed from all credit reporting agencies permanently as suggested by my lawyer to do so after they were shown how FCO is getting around the process at the credit agencies. Clearly they have been hit with lawsuits in Washington DC   for similar reasons. I was never brought to court about this ridiculous amount of {$2300.00}. Or given a chance by FCO to dispute before put into collection. Nor have I been given proof that I have signed any kind of contract with them for them to come after me for a debt.
I received a credit card and new account package in the mail from BarclaycardUS. It was addressed to me at my home address and had instructions for activating the card. I did not open an account or request a credit card account so I called to request that the account be closed immediately. Unfortunately, Barclaycard could not address the matter unless I provided my date of birth, last XXXX digits of social security, mother 's maiden name, and phone numbers for the account. I told the representative that I did not open the account and I refused to give them any personal information. They were not able to address the matter unless I provided this information. I asked to be transferred to their fraud department. That representative also requested the same personal information and I again refused. I told them I simply wanted to advise them that I did not open or request an account in my name. They told me they were unable to help me unless I provided the personal information. I hung up and filed this complaint.
I was stunned once I viewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Equifax had a security breach announced in XXXX 2017 and my information including social security number, credit cards, driver 's license etc. was compromised.
Experian is refusing to delete an account that is older than seven years, and that is reporting inaccurate information, I was never late in XXXX of 2016. I consolidated my Department of Education loans with XXXX Loans.
PNC Bank sent me a letter stating that my account would only be reported as " Account paid for less then full balance '' but after looking at my credit report, they are still reporting the current status as a charge off, then previous listed the account as a repossession from XXXX 2012 until XXXX 2012 which is not true. How can this account be a repossession? It is not a vehicle.
I am a victim of identity theft. The following collection accounts and credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, {$150.00},XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX,XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX  for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.
I have been working with my loan servicer for well over a year with a mortgage I have been struggling to pay on a property that since the XX/XX/XXXX financial crisis is no longer worth what I owe on it. I have had a signed purchase agreement since XX/XX/XXXX for a short sale - not as much as what is owed, but a cash offer at current market value. Whether intentional or not, the process of trying to work with my loan servicer has been hindered by vague and ambiguous communications, mixed messages, and constantly changing demands from them. I have done and provided all that they have asked of me, yet to date they still have not rendered a decision on the purchase agreement that is now over a year old, nor have they offered any alternative resolution, or any relief whatsoever. I had wanted to include my request for assistance and accompanying documentation but that was 74 pages, and over the 10mb limit for attachments, but I am including a letter from my loan servicer acknowledging receipt of this information. I am also including a recent email from the title company who is working on the short sale, as well as a XX/XX/XXXX letter from my loan servicer notifying me that the status and my request had changed, but neglecting to disclose what the change was, why it had occurred, or what I needed to do about it. My attempts to resolve this issue were again met with mixed messages and changing demands before it was finally resolved. A letter with complete information would have clarified the issue and facilitated a much speedier resolution.
Just because the company responds does not indicate the problem was addressed. Complaint # XXXX is not a duplicate but a continuation of my household goods being confiscated immediately after foreclosure as payment for the debt discharged in bankruptcy. XXXX XXXX instructed XXXX to secure the property I was residing in. They auctioned my contents and I need to be reimbursed or the contents returned. I believe a response is not a resolution!
Due to a divorce, and reduction in household income, my first lien holder, XXXX reduced my interest rate and established an escrow account. I am getting ready to make the third trial payment with them. While it is a partial release of pressure on my finances, the second mortgage holder, Wells Fargo has refused to assist in any way. I have forwarded to Wells Fargo, a copy of the written offer of modification by the 1st lien holder. However, Wells Faro has turned me down three times, including an appeal.
Company has placed a collection on my credit report and it has damaged my credit. I do n't know the company nor do I have a signed contract with me. I have asked them to removed this inaccurate information and continue to ignore their wrong. I 've filed a complaint with the BBB and have n't gotten anywhere. I 've never did business with this company and would like for this information to be removed for my credit. Thanks
I sent an investigation request to Equifax on XX/XX/2018. Nearly two months have passed, and I have yet to receive a response. I even sent a follow-up letter on XX/XX/XXXX, but that has also gone unanswered. Equifax was supposed to respond within 30 days.
XXXX XXXX and Webster bank. Several problems : 1. Requested through another bank to transfer funds out. It's been 20 days and despite several promises, nothing. Very long transaction just to make a transfer. 
2. Even with the long wait to transfer, they were able to send a check for the wrong amount and for benefit of the wrong person but under my account number. The gaining bank called me and was very confused. An hour on the phone corrected it!

3. As a veteran when seeking VA medical care, the bank can't deposit funds employer contributions to my account. That changed on XX/XX/2016, under the Veterans Health Care Choice Improvement act. Did XXXX XXXX change their continued policy of not depositing those funds? Nope. 

This bank is the worst financial institution I have dealt with. Very poor and customer service is non-existent even after making several calls to the bank with their promises to fix!
Credit reporting transunion agency has ignored my request on a disputed account and did not honor New York State law XXXX In addition Credit reporting agency listed account to be removed off credit report on XX/XX/2016 and did not remove.
I was not notified any any form before business listed derogatory information on my all three credit bureaus as required by law. I notified business and also went through XXXX XXXX XXXX requesting business send proof of notification before placing negative information on my credit report but business has not responded.
I contacted XXXX XXXX XXXX in reference to late payments displaying on my credit report. My account was in forbearance during the time the of the " late payments ''. XXXX XXXX XXXX reported to me there would be nothing they could do to change my credit reporting and that I would only be able to have the late payments removed by contacting the credit bureau. Upon contacting Equifax on XXXX XXXX,2017 I  explained to Equifax and provided the letter of forbearance asking that the late payments be removed from my credit report. Equifax refused to remove the late payments. I am desperately attempting to clean up my credit report and since the accounts were in forbearance at this time, the could n't possibly late payments.
The bureaus are allowing fraudulent accounts to remain on my report in spite of me filing complaints with he FTC and submitting a police report of identity theft. They are allowing negligent enablement of identity theft and violating multiple FCRA laws.
XXXX transferred servicing to Greentree but did not notify me properly of the transferring. XXXX previously notified me that they were transferring the servicing and subsequently sent me a letter notifying of the cancellation and disregard the letter. I paid XXXX through XXXX until I received a return of payment. I contacted Green Tree who stated they had received transferred payments from XXXX and my servicing had transferred since XXXX 2015. Green Tree requested I pay the XXXX payment although the payment had been made to XXXX thus I have made XXXX payments in XXXX month. As of today the payment has not been transferred and I was required to make a payment. This property is on an active Chp XXXX BK but when speaking to the Green Tree representatives, all of them today due to transferring back and forth XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX ) she stated that the property showed the stay had been lifted. On further investigation she advised the stay was associated to another property. Therefore second inaccuracy is being reported erroneously on my credit and not paid as agreed and I am receiving collection calls in violation of the Chapter XXXX BK. I contacted XXXX and spoke with XXXX XXXX XXXX who confirmed my XXXX payment and all prior payments had been transferred to GreenTree. He is investigating. He could not confirm the supposedly relief of stay that Greentree indicated XXXX had provided but transferred me XXXX XXXX who after my explanation asked to place me on whole and the call was disonnected. I recalled and spoke with XXXX XXXX who stated their records show no motion of relief.
I am a Citi Double Cash cardholder and am completely frustrated with Citi, as they have begun holding my payments for up to 10 days for verification before they reinstate my credit availability on the card. We obtained the card last fall and have always paid the card balance in full every month ( sometimes multiple payments per month to keep the balance from growing ). We make our payments electronically, via the Citi website, debiting our checking account at XXXX. The first several months we had the card, Citi would reinstate our credit availability on the card immediately following the initiation of the payment. Due to the velocity of our recent payments, Citi has begun to implement the " hold for verification '' on our payments, not reinstating our credit limit, even after the payment has cleared my XXXX account. I could understand a 24 hour, even maybe a 48 hour hold to be sure the ACH debit has cleared and funds are received, but knowing the funds have been transferred to Citi and having them hold them for " verification '' is completely dishonest and misleading. In speaking with a Citi customer service supervisor today, she alluded to the fact that when customers increase the velocity of their payments, thus obtaining the 1 % cash back reward quicker, Citi decides to exercise this practice of holding the payments. There is nothing in the Cardmember Agreement about making too many payments or the ability of Citi to hold payments for verification. Citi is being deceptive in its marketing of the Cash Back Card and its benefits and the " hold for verification '' practice is unethical and wrong. 
Any assistance you can provide in helping me cause Citi to end its deceptive practices would be greatly appreciated.
I had XXXX HELC loans with XXXX XXXX that were sold to PNC Bank XXXX account XXXX was coming up for renewal XX/XX/XXXX, XX/XX/XXXX I received an offer to convert XXXX to a 30 Year Fixed rate at the rate of 4.74,. which I did and started making the new payments as of XX/XX/XXXX. The other XXXX loan ending in XXXX which was coming due XX/XX/XXXX I was not offered the same program, when I questioned PNC, I was told verbally that my payment history was not sufficient, never late and I am the same borrower that PNC converted the other HELO loan to a 30 year fixed. I was told that I could apply for a modification or refinance. Modification was out of the question, I have excellent credit and in PNC paperwork they state that a modification may effect my credit. I got my new payment for XXXX due XX/XX/XXXX {$960.00} ( {$540.00} ) more than my old payment, 20 year ammorization @ 6 % interest. I was not disclosed as to a rate or term prior to my receiving a bill. I asked at the branch and I was told that I received letters in regards to my payments, I did, but never what my rate was going to be, never what the treasury bill that determine the rate was, just here is the amount, pay it. I feel that I was not properly disclosed, I had requested by email and in a verbal conversation for PNC to sent me copies of the last XXXX disclosures they sent me. To resolve this I am requesting that PNC give me the same terms on the XXXX loan that they gave me on the XXXX loan. Thanking you in advance, XXXX XXXX
I called and talked to an agent with the ID # XXXX as well as her supervisor with agent ID # XXXX on XX/XX/2018 about accounts listed on my credit report as open and in collections. As well I filed a dispute online a month ago. They refused to fix it. I have documentation in the form of Filed Bankruptcy Schedules as well as a Order of Discharge under U.S.C. SS XXXX Ordered By the honorable XXXX XXXX XXXX Eastern District Federal Court Michigan on XX/XX/2018. As such all and any accounts included in the bankruptcy must be listed as closed and included in bankruptcy. The company is not acting in good faith to correct the issues. This has caused me personal damage. And is illegal under FCRA. I have attached a copy of my report that clearly shows a account listed as open and currently in collections. But it also says in Bankruptcy. As such they know it was discharged, and they refuse to fix it and close or remove the account.
XXXX XXXX XXXX, Account # XXXX, amount {$7100.00}. I have sent Equifax a copy of Police Report and Equifax did not remove account.
Capital one inquires dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I remember on but others no
Caliber Home Loans engaged in the prohibited practice of " Dual tracking '' after becoming the servicer of the loan and knowingly violated loss mitigation procedures pursuant to XXXX.
I asked XXXX to investigate the information regarding XXXX XXXX Credit Union. The CRA swears that the information is valid and refuses to invesitigate when I know for I fact the account is over years old. I got approved for a loan with XXXX in XXXX and the XXXX reported deliquency was in XXXX. The CRA has down XXXX. While XXXX was the date the car was repossessed. So how can that be?
Time : Early - Mid  XXXX  Problem : I Was Being Restricted From Withdrawing Funds Via ATM. Upon Request Why, The Bank Representative Said It Was Due To Change Of PIN. I Never Changed My PIN. Someone On The Inside Was Restricting Me From Withdrawing For Reasons Yet Unknown. This Was The  Second Time. The First Time They Claim It Was Due To The ATM Card. The Card Was Still Fairly S till New. I Found It Odd Due To The Fact That I Was Able To Make Purchases With It Before The Issue. So  I Closed My Ac counts.   Someone On The Inside Was Selling My Info. I Ca n't Prove It, But My Gut Is Strong On This Feeling. Forensic Science Can Reveal The Veracity Behind My Claims.   Fast Forward To  XXXX . The Same Institution Has Purchased The Brokerage Firm I Have An Account With.
XXXX client, XXXX XXXX is a victim of identity theft. She reviewed an XXXX Credit report and found an inquiry made under a fraudulent application submitted XX/XX/2018 to American Express ( XXXX ).  This item is being report to XXXX credit reports. An official dispute of this inquiry was mailed certified with return receipt to XXXX XX/XX/2018 however that inquiry is still being reported to her XXXX credit reports as of today and XXXX has failed to reply to the status of the investigation as is their obligation under FCRA.
i have XXXX auto leases with toyota financial services of XXXX .I am a XXXX resident and XXXX of the XXXX cars have no problem .The third vehicle was assigned an incorrect address so bills were not recieved as well as a cure letter or XXXX letter. 
toyota repossesed my car unknown to me and came on my private property while I was not home and took the car without knowledge
On XX/XX/XXXX, I applied for an online loan. The only site to approve me was XXXX. I went through the verification process, received the loan and started the repayment process. I started to read reviews on this company and I found out this business is not licensed in Nevada, however they have been charging me outrageous fees. How do I get them to stop before they send wage garnishment requests to my employer?
XXXX is reporting a different amount owed on each credit report. Non of the balances are the same and they each differ some by over {$2000.00} in balance. I 've sent letters in the past asking them to correct the issues but the balances still remain uneven. Transunion just removed two of the loans but XXXX and XXXX has not.