WillisBack/dataset-financial-user-claim huggingface dataset:
According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. 

Transunion needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. I have sent Transunion XXXX letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Transunion to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Transunion have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the  alleged creditor to validate the debt, insteading of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Transunion has reported in error and for Transunion to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.
I consulted XXXX to consider taking my legal case. I was told that I needed to pay a retainer so the law firm would be able to take my case because they where pro bono to the max. After making payment, I suspected that the firm turned my retainer into an opinion letter with no real consideration on representing my case and notified the law firm that I already paid for an opinion letter and I was only interested in having my case represented. The law firm use bait and switch tactics presenting me an opinion letter with various errors and conspired to make me talk to their XXXX and used that as the sole reason to deny representation after the fact. I was told that I may have to pay fees to the doctor but I was never informed that I would have to talk to a doctor and the single reason my case would be denied representation could be based on just that fact. Additionally, the law firm invoiced me and went back and added more charges after the fact. The service that I was led to believe I was paying for was substantially misrepresented and converted into a fancy email with many material factual errors and when those errors where mitigated the law firm decided to fall back to the 30 minutes XXXX as the sole reason to shirk their duty. I was substantially led to believe my case needed to be evaluated so that I could be represented by XXXX when in fact XXXX only planned to rush an error prone glorified email report with no real intentions of representing my case using any means to reduce the merits of my case even though I corrected the majority of the discrepancies only to be denied from their internal XXXX report even though a retainer had been solicited. Retainers are generally used for the duration of legal representation in my opinion and this bait and switch tactics is not acceptable.
On XXXX/XXXX/15 my identity was stolen & several charge cards were opened in my name. This person also went to my bank on XXXX/XXXX/15 in attempt to withdraw funds from all of my accounts. Luckily a wish bank teller refused & called me. On XXXX/XXXX/15 I called Macy 's ( they were listed as XXXX of the fraudulent accounts ) to say that the account was opened fraudulently. I was told that the card had not been used yet & they closed the acct. In XXXX XXXX I received a Macy 's bill for {$1300.00}. I called Macy 's again & was told that the card had been charged on XXXX but a processing delay meant that the rep had n't seen it when I called. They said they 'd send me the fraud claims forms & they did ... 2 MONTHS LATER. I submitted my Identity Fraud Affidavit, Police report, proof that I was at work XXXX miles away that day, & proof of identity. I waited a month & called Macy 's to check on my status ... they claimed that they never received my proof, that is until I showed that I sent it via certified mail. I was told that they 'd " expedite '' my claim ... I called in XXXX XXXX ; nothing had been done. Macy 's reported the account as delinquent & my credit was suffering. They told me that I could do nothing about that but promised to " expedite '' my claim ( again ) ... nothing happened. I called in XXXX, same thing. This time they PROMISED that my claim was being " expedited '' for real this time. In the meantime, Macy 's is still reporting the account as delinquent. I called today & requested an update on the account as well as their address to their legal department as I was going to have an attorney send a Letter to Compel. They refused to give me the info. I was put on hold three times, each for about 45 minutes before the line was disconnected. 

My rights as an identity theft victim have been violated by Macy 's reporting the account as delinquent while it is under investigation. I also feel that they are stonewalling the process my taking 8 months to investigate my claim. I have always been willing to provide more proof if needed. I feel that the fact that my bank alerted me and can verify that this person has a fake ID under my name ( XXXX misspelled ) ; that my work requires us to use a fingerprint to clock in ; that I have a police report ; and that I called Macy 's to report it as fraudulent before they knew the card had been used should be sufficient. Their refusal to provide me with the legal departments address is sleezy at best.
I was aprroved for a discharge XX/XX/2018 with Department of Education. I have had all my XXXX loans paid in full and, closed being reported to all three credit agencys. The last loan I had was with XXXX. I spoke to XXXX after all loans were paid, and was told my loan would be reported as, closed, and paid. XXXX still has not reported to all 3 credit agencys about my loan being paid off by XXXX XXXX XXXX XXXX. This is effecting my credit score, and I told them it was they said they would report it as, paid and, closed. This is a 9 almost ten year old student loan that has been paid, and should be reported that as, FCRA Rules. I have tried to work this out with XXXX but, have not gone very far. I do not understand why they have reported inaccu info to my credit report, but it is illegal to report such.
Capital One has made numerous inquires into my credit since XXXX. Not a single one of those were authorized. I have not been shopping for either an auto loan or a credit card. I am currently in Chapter XXXX bankruptcy and not even allowed to apply for credit. I have filed disputes online with the credit reporting companies as well as mailed something to Capital One requesting removal. I have, to date, received NO PROOF that I agreed to these inquiries. When asked for proof I received a letter that just said " Inquiries are a factual part of your credit ''. I have not, and will not, ever apply with Capital One for anything. This has been affecting my application for a mortgage during my Chapter XXXX. I want the following inquiries removed from ALL Credit Reporting Agencies. 


XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry XX/XX/XXXX - Inquiry
In XX/XX/XXXX, I opened a secured credit card with Capital One current amount {$600.00}. Never had any late payments or over limit. Capital One provided free credit monitoring. In XX/XX/XXXX I opened a secured credit card with XXXX XXXX who checked my credit. Capital One credit monitor sent an email stating there was a change in score. On XX/XX/XXXX, I received email from Capital One stating they were sending a new card XXXX XXXX with a tracking number that showed the card had been sent to an address in Maryland. I have never lived in Md. or used an address in Md so I immediately called Cap. One. They said my old card was closed and not to use it. I could not log in online to make payments as usual. They reported the Md. address to all three credit bureaus. I talked to three people one of whom directed me to go a bank and call back. When I called back from a bank I was told to send in a utility bill to prove my address. They could have said that on any phone. On XX/XX/XXXX, I replied to the XX/XX/XXXX email and told Cap 1 to close the account and to send payment statements by mail. A few days later I received in the mail from Cap 1 addressed to me a solicitation to open a new account Towards the end of XX/XX/XXXX I  called to make payment and spoke to gentleman with heavy XXXX accent who refused to accept payment due on XX/XX/XXXX. On XX/XX/XXXX, Cap 1 credit monitor alerted me to change in score. I learned my score went down XXXX points because Cap 1 reported 30 day late payment.I believe Cap 1 did all of this because I opened an account with XXXX XXXX.
Due to receiving adverse action, I requested a credit report via XXXX mail from Equifax in XX/XX/2015. I never heard a response from the company or received my report in the mail.
They took my refund due to my student loans but I applyed for IDBR and it was approved on XX/XX/2018 so I thought that my loans were out of default and I am applying for a hardship because me and my XXXX children are being evicted, I have a shut off on my water and my d.p.l is about to be shut off. And I am no longer employed
I am submitting this complaint about experian credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.
Innovate Auto Loan bought my loan from XXXX XX/XX/2018. Both XXXX and My innovate loan  and XXXX XXXXXXXX XXXX are reporting on my credit like I have 2 loans on ONE CAR. The payments i made to XXXX this year stopped reporting after XX/XX/XXXX. They need to be updated and the account needs to be closed. My Innovate loan is NOT reporting my current auto payments to the credit bureaus accurately they have my current monthly payment listed as {$390.00} a month its actually {$360.00}. They just updated my credit report to ONLY reflect the month of XX/XX/XXXX but made it seem like i made a {$500.00} payment only. I have made I have paid XXXX. + plus some bogus fee for them to take my payments every 2 weeks. So far I have paid a total {$1000.00}. I have called them multiple times my last call was to them today where i was advised they will not be reporting XX/XX/XXXX payment until XX/XX/XXXX with no explanation as to WHY!
My loan is currently being serviced by Rushmore. A lender/servicer can not collect on a debt that is transferred during the default of the loan, which is what happened here since the previous servicer was XXXX XXXX XXXX. Additionally, the main issue is that the BENEFICIARY of this is XXXX XXXX XXXX XXXX, whom was NEVER REGISTERED in the State of California. Because XXXX XXXX XXXX XXXX was NEVER registered in the State of California the Deed of Trust shall be void ab initio. My violations as a Homeowner in the State of California have been severely violated at this point and Rushmore has failed to reach out to me nor provide me with the opportunity to explore my options.
Transunion has violated the FCRA law ... And they are erroneously reporting information on my credit file that they have obtained from a third party source. They have not provided any proof that their information is either court ordered or has any authorization bearing my signature that they report directly to the Bankruptcy Courts or Public Records. It is defamation of character as well.I plan on seeing this through until I get a favorable response according to the laws of the FCRA.
I pulled a copy of my credit report and identified credit inquiries that are are in error. I have sent XXXX certified letters along with a copy of my ID, SSN, and residence proof to which Equifax sent me a letter stating they needed a copy of my ID, SSN, and residence proof which was previously submitted with my original requests. I called numerous times to the credit bureau attempting to resolve this only to be hung up on, not transfered to the correct department in which I asked to speak to, had representatives be verbally abusive and rude. I filed a complaint only to get a response back stating that the inquiries reviewed and of factual record. This is not accurate as how can something be reviewed and I am given a response back in 24 hours. I also sent letters to the creditors only to have most of which returned due to the address being incorrect on the credit report that is listed. Furthermore the other XXXX Credit reporting agencies have deleted the following inquiries because the following credit inquiries were not of factual record. i have no business with these inquiries and a fraud alert has been placed on my credit file, however the following inquiries have not been deleted from Equifax but have been deleted with the other XXXX credit reporting agencies. 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 XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX CC XXXX/XXXX/XXXX.
Castle credit Repeatedly called nonstop almost every hour of the day. Saying theyre lawyers or police or theyre the court going to sew me or Im under investigation and thwyre going to report me if I dont answer. Theyve also called family members saying the same things and my job. Theyre very vulgar and rude wouldnt say who they were at first. Just that they wanted money.
XX/XX/XXXX   XXXX   XXXX    Requested a " Stop Junction '' from Ocwen Mtg. Selling my home on the court house steps. After illegally FORECLOSING!!!
Judge award  ed   XXXX   XXXX   .from pri nciple, {$47000.00} from areages & REPAIR CREDIT, of which they NEVER DID.   Come  XX/XX/XXXX , They IllegalLY FORECLOSED ONCE AGAIN!!!   CAUSING HAVOC ON MY SM. BUSINE SS ; ( OCWEN ADDED A SERVICING FEE, OF OVER {$9000.00} WHICH GREW TO {$18.00}. THAT IS WHEN THEY TOLD ME TO " PAY OR QUIT ''. AFTER 6 YRS. HAVING SHOWN PROOF OF 12  payment 's, GOING BACK FROM  XX/XX/XXXX , ONLY   HAVING PROVED them to have been notarized, front & Back, THAT THIS MT   G. FIRM, Ocwen HAD BEEN EMBEZZLING my HOUSE PAYMENT 'S!!! NEVER HAD I BEEN GIVEN CREDIT. THEY CONTINUOUSLY ASK FOR PROOF OF PAYMENT FROM PREVIOUS MONTHS. MY     BUSINESS    NOW, OVER 20YRS, WHICH I
  XXXX   XXXX   OWN & OPERATE   HAVE SUFFERED IMMENSELY : ( NOT MENTIONING MY HEALTH IS NOW   FAILING DUE TO   XXXX  !!! I 've CONTEMPLATED SERIOUS ACT 'S ONLY HAVING REALIZED, THIS PLACE IS TEMPORARY!
I requested for validation within XXXX days or to cease communications and this was not honored. ( XXXX/XXXX/15 ) I received another letter from the collection agency ( XXXX/XXXX/15 ) which is a violation of the FDCPA as validation was not provided. I sent another letter on XXXX/XXXX/15 requesting for validation again and granted another XXXX days. Validation was NOT provided to me and I am requesting that all communications be ceased, and that this account be removed from my trade line. 

Given the FDCPA violations described above, I am seeking damages for each offense up to {$5000.00}. 

Your response is greatly appreciated as soon as possible, XXXX XXXX
I was a cosigner on my husband car that was almost 3 years ago I communicated with debt collectors before they removed it off my account which was with Chrysler capital also the car was given back to the people without a hassle and all of a sudden these people XXXX XXXX for XXXX which they said it was open on XXXX XXXX 2017 which is false information and have my critic messed up I am trying to get my life in order trying to get things together and I feel like these people is purposely trying to tell him tear me down it is really stressful so my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX So my life and me trying to change is a woman growing from a young lady I just want to do was write in life and I 'm constantly being not down for days that was n't me all I want is things to be done correctly and not falsely accused on my behalf could you please help me sincerely XXXX XXXX
We have repeatedly for months received phone calls from XXXX XXXX XXXX x XXXX regarding debt collection. I returned the call the first time they called and found out they were looking for a person not associated with us or our phone number. I was assured we would be removed from the calling list. This happened again, again I was assured we would be off the list. We are receiving continual calls. I called them back today, they claimed to have nothing on file with our request - a lie on their part. The name of this firm is National Enterprise System. This company can not seem to understand that the person they are looking for has no tie to us.
After XXXX letters mailed to Transunion via certified mail they have not corrected the information that is being reported. Transunion has had well over 90 days and several letters containing correct information and they have not done any investigating or reinvestigating.
I feel that Paypal has deceived me about their service because of 1 ) very limited, contradictory and poor information on their website. 2 ) customer service agents who stonewall, repeat provably incorrect information and contradict each other 3 ) repeated failures to respond or follow up with a response 4 ) claims that you can access your money by following various steps only to discover the money is still " on hold. ''
About a week ago, I contacted Paypal about my paypal account being closed with a remaining balance to the credit card I have with them. The only way I am able to make payments towards the account, is to be able to login to that account. They closed my account and locked me out because I opened that specific account with them when I was  XXXX . I am now  XXXX  years old, and I opened a credit card with them about 2 years ago. I was over the age of 18 when I applied for the credit card with them. They recently locked my account so I can not log in to make my payments. Why are they just noticing now that I opened the paypal account when I was  XXXX ? I have about {$500.00} balance to pay off with them and now I cant log in to make the payments.. I called and spoke to a manager and said I can make payments over the phone. Well, trying to make payments over the phone is very difficult as when I call, I have to be on a waiting list to talk to someone instead of simply logging in to make a payment. The manager said that my account is locked and that I cant regain access because when I opened the account, I was under 18. He said another option is to make a new paypal account and transfer that balance by applying for another credit card but that it may affect my credit score. This is very unprofessional that they would lock me out from my account when I have to make monthly payments!! If I cant make these payments, I will hurt my credit score and get charged interest when this is not my fault.. I do n't care if they close my current account but I want to pay off my credit card balance first.. I cant keep calling to wait 35-50minutes over the phone to make a payment. It 's inconvenient for me when it takes 1 minute to just log into my paypal account and make a payment. When I go online to the paypal help center to see how to make a payment over the phone, they ask me to log into my account to get a code to make an easy payment. Well, I cant even log into my account to get that code to pay.. So how am I supposed to make a payment?! This company is going to turn my   XXXX   credit score into crap. I am a dependable borrower but Paypal is going to hurt that status. I need them to give me access to my account until I pay off the balance..
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I entered into a repayment plan with Navient from XX/XX/XXXX-XX/XX/XXXX. My monthly payment ( which is automatically deducted from my checking account ) is consistently misapplied, resulting in my loans becoming past due and frequent phone calls from the servicer. I have contacted Navient multiple times to resolve this issue, and yet there has been no resolution. This is frustrating as even though I make a monthly payment, my loans are consistently at risk of becoming past due if the servicer misapplies the payment and I do not catch the mistake. Conversations with the servicer have not brought any results, as this issue keeps coming up. I am concerned about having my credit negatively impacted if the payments continue to be misapplied.
The problem is that the collections account is listed as XXXX and I received notification from Firstsource Advantage called XXXX they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.
Enclosure XXXX XXXX XXXX XXXX, VA XXXX Ref. Home Equity Loan XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Nations Lending Mr. XXXX XXXX XXXX Loan Officer NMLS # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX XXXX : Mr. XXXX XXXX XXXX Dear Mr. XXXX : SUBJECT : Loan Number XXXX In follow up to our XX/XX/XXXX telephone conversation, the purpose of this letter is to once again request the fulfillment of the loan services advertised by your company. 
On XX/XX/XXXX, the requested {$500.00} check made to your office, cleared my financial institution. Shortly thereafter, I received the enclosed letter dated XX/XX/XXXX from your office requesting additional documentation/outstanding information. I complied with your request for the additional information however ; I have not received compliance from your office as of this date. 
If you are unable to provide the service marketed by your company, please refund the initial {$500.00} as an act of goodwill and closure. Please provide a written response to this letter within thirty ( 30 ) days. 
Sincerely, XXXX XXXX cc : CFPB file