WillisBack/dataset-financial-user-claim huggingface dataset:
Trans Union Corporation ( XXXX : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. In addition, the address identified as XXXX XXXX XXXX, XXXX, VA XXXX is not mine ; I never owned, lived, occupied or established resident at this address. 
Furthermore, Trans Union Corporation ( XXXX : XXXX and XXXX ) and its subsidiary Trans Union LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; 3. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sen to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Trans Union Corporation and its subsidiary Trans Union LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 
Sincerely, I am /XXXX/XXXX , on behalf ofXXXX XXXX , Without PrejudiceXXXX XXXX ( Ret. ) XXXX XXXX XXXX, VA XXXX XXXX, 2015
This Is To Bring Under Your Notice That, I was Using Citi BankCard No. XXXX From More Than 7 Years, And When Today Am Trying To Use It For Online Payment It Declined My Payments. 
When I Got Its Reason From Its Executive It Was Really Very Shocking & Unethical On There Part That My Card Had been cancelled Without Informing Me & Without Taking Me into Consideration. The Reason Is Very Great ThatIf We Not Be Able To Use It For Few Months, They Make It Cancelled. 
We Expect Banks Will Only Stops Who are Bad Pay Masters. You People Really Made embarrassed While Using Your Card In Presence Of My Friends n Family. 
Previously I Had Inform Citi Bank For My Correspondence Address Changed In XXXX 2015, The Same Is Not Updated Due To New Aadhar Card Not Issued At That Time, Citi Bank Not Considered Landline Telephone Bill.
I called a couple of months ago to change my account information on where my payments will be coming out of it. I thought the agent did this but DID NOT change my information which resulted in me getting a overdraft fee to my bank account. This resulted in my bank closing that account and also me getting kicked out of the a hardship program. I DID NOT receive any communication letters regarding me being removed from the hardship program at all. I had to call XXXX XXXX where I found out this information. 

I just called and they just told me that the pulled a phone call and said I never told them I changed it WHEN I KNOW I DID! THEY DID NOT SEEM TO CARE THAT THEY OVERDRAFTED MY BANK ACCOUNT. I have been calm on trying to fix this situation and there is too many people giving the wrong answers. I KNOW FOR SURE I CHANGED IT BECAUSE THERE WAS NO MONEY IN THAT ACCOUNT!!!! Once again there was no communication letters regarding any of this. ALSO THEY DRAFTED MONEY OUT OF MY ACCOUNT AND NOBODY SEEMS TO KNOW WHY! I HAD TO DISPUTE THE CHARGES WHICH XXXX WAS TRYING TO FIX! I'M SICK AND TIRED OF THE RUN AROUND.
I have disputed on several occasions the information on my credit file report number XXXX with Transunion. XXXX XXXX, account # XXXX, which is reporting close but with also incorrect payment history. I was not late the numerous times in which they are reporting for the closed account, so that is incorrect. The account is outdated which according to FCRA I can request for an obsolete account to be removed from my credit file by Transunion. Since they have refused to delete the obsolete account, they continuously provide the same generic response indicating it is verified and correct. So, I have requested for Transunion to provide me with the format in which they disputed the old account with XXXX XXXX and I have requested who at XXXX XXXX indicated it is reporting correctly, as I know it is not. I am within my rights to request this information from Transunion. I feel they are giving this generic response instead of deleting the incorrect old account from my credit file. They have yet to provide me with this information. Next, they are reporting an inquiry from XXXX. I have never applied with this company and the company sent me a letter in which I have attached ; however, they indicated it was not necessary for me to forward to Transunion as they were forwarding a copy of the letter for the inquiry XXXX dated XXXX/XXXX/XXXX to be removed but it has yet to be deleted.
I had leased a XXXX XXXX XXXX. I had returned the automobile on XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. The evidence of this is the official Registration Cancellation Receipt from the Massachusetts Registry of Motor Vehicles. Chase indicated that the vehicle was picked up by Chase on XXXX XXXX, XXXX, but XXXX XXXX has no record of this activity. I sent a letter to Chase indicating this and a check for the end of lease payment of {$300.00}. Chase claims that I still owe {$340.00} which represents the additional one month possession of the automobile. 

I did not possess the automobile during this time because it was at XXXX waiting to be picked up. I have written all of this in an email and sent it to Chase as well as a written version of this with a check XXXX {$300.00} mentioned above ), a copy of the plate return receipt, and the condition report provided by Chase. Chase claims that the Massachusetts Registry of Motor Vehicle Receipt is not sufficient proof that the XXXX was returned on XXXX XXXX, XXXX. Please help me.
A company called Perfection Collection just reported two collection accounts on my credit report for {$2700.00} & {$2500.00}, respectively. Prior to these accounts appearing on my credit report, I did not receive a notice of my right to dispute. I understand that this is a violation of federal collection law.
repeated calls to my cell phone from XXXX XXXX XXXX XXXX. 
they said they were Wells Fargo Home Mortgageand asked to speak to someone I never heard of. 
Told them wrong number on XXXX/XXXX/15. Calls continue every few days. 
Same number called on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15.
I disputed this error ( debt that I do not owe ) XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. This agency never responded on either dispute. They finally responded when I filed a complaint but still did not resolve this matter, claiming that they could not find the account and needed me to provide them with more information. I have provided my name, my social security number, my birthday and my address. The burden of proof is not on me. This erroneous debt is defaming my name and causing me to be denied for credit. By the laws of the finance code Sec 392 their time to respond or investigate is up. If this company needed more information they could have requested that from me when I first disputed this error. I need this deleted from my credit file immediately!
in 2010 i obtained a harp mortgage from bank of america since modification i paid the mortgage every month on time after the first year i received a letter sTATING I AM ELIGABLE FOR A XXXX XXXX DOLLAR CREDIT SINCE MDIFICATION I WAS BEING REPORTED TO THE CREDIT BUREAU AS DELINQUENT THIS RUINED MY CREDIT SCORE i tried unsucesssfully to rectify this error speaking to several people at bank of america without any success what can be done
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re  : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with The United States Bankruptcy Court and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Sent one month ago to no reply.
My reports shows judgement it 's not mine I have been disputing for several months but still on XXXX credit bureau also I did offer in compromise with irs and paid settlement in my reports showing judgement from irs collection when I settled with irs I need my reports corrected asap please
In XXXX XXXX, my account was transferred from XXXX XXXX to ATG Credit to collect a debt that is owed to XXXX XXXX. In XXXX XXXX, I received final statement from XXXX XXXX that my remaining balance for my debt was in the amount of {$25000.00}. However, when ATG Credit first contacted me to collect this transferred debt it stated that I am to owe {$32000.00}. I contacted ATG Credit on several attempts to communicate that the balance due did not match what I have paid towards this debt. I also informed ATG Credit that the debt they attempted to collect does not have the monthly payments I provided to XXXX XXXX for the last two years accounted for. I still provided ATG Credit with monthly payments in the amount of {$250.00} from XXXX XXXX- XXXX XXXX, as I was instructed that they would resolve the matter. I was told from a representative at XXXX Credit that they would communicate with XXXX XXXX and the original collector, " XXXX XXXX '' to confirm my remaining balance. However, I have not received any confirmation and no one has resolved the matter. XXXX XXXX, I asked for ATG Credit to remove my credit card information and to stop taking payment until the matter is resolved. From XXXX XXXX, this is still an issue that has not been resolved. I am continually receiving letters from ATG Credit stating that I owe {$32.00}, XXXX in full, but nothing that confirms they are looking into resolving my remaining balance due. I have not received payment confirmation from ATG Credit for payments made between XX/XX/XXXX-XX/XX/XXXX, even though I have requested this each month. I changed my address to my parents ' address in the event that I was not receiving their letters, but even with the change in address nothing was or has been delivered to my parents ' address as well. I worry that this company is collecting debt with no clear statement of what the remaining balance is. It should not take a matter of six months to communicate with the debt collector what the remaining balance of the loan should be. ATG Credit has been very rude and provided poor service to resolve this matter. I have faxed and emailed ATG Credit my last balance statement from XXXX XXXX as proof of what my remaining balance should be, and the matter was still not resolved. This collector is not doing their part to fix this issue.
I paid my account listed with XXXX XXXX in full in XX/XX/2018. I submitted proof of payment and filed a dispute with XXXX, TransUnion and XXXX  In XXXX notifying them that my account had been paid in full and that XXXX XXXX stated that the account would be removed from my credit report. 

As of todays date, XXXX and TransUnion is still incorrectly reporting the above listed account as an unpaid collection. 

Attached is a letted from XXXX XXXX stating that my account is paid in full and that they have requested for the account to be removed from my credit report.
The collection agency, Midwest Recovery Systems, was added to my credit report on XX/XX/2018. The debt or the account with the original creditor isnt mines.
I dispute all the information contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX. I request to receive a comprehensive report of all updated verifiable information.
A company operating as Commonwealth Financial, and a website of XXXX, of Pennsylvania, did report to the XXXX credit bureau that they have a deliquent account in my name. 
They did not however make any effort to contact me first, such as with a standard form notifiying me of an alleged debt and their intention to report it to a credit bureau.
Late fees since XXXX XXXX to XXXX XXXX needs to be review with lender. We believe the late fees are incorrect.
I purchased XXXX giftcards together valuing approximately {$1500.00} from Giftcards.com of XXXX. When I attempted to activate the cards, I was unable to do so and directed to contact customer service. I called and was told that they were unable to help me and would escalate it to their " second level department. '' They said it would take XXXX business days to receive a response. That was on XX/XX/XXXX. On XX/XX/XXXX, I still had not received a response and am still out {$1500.00} which I badly need. So, I called again. This time, I was told that they could offer me no information or help and that it could take an additional XXXX hours to receive a response. So, I waited a third business day. On XX/XX/XXXX, after receiving no contact, I called again. I spoke with a XXXX, then a supervisor, then a XXXX. All three told me that they could offer me no information or help and said that it would take another XXXX business days to receive a response. It is XX/XX/XXXX, and I have received no contact from XXXX. I need this resolved immediately. XXXX has wrongfully frozen my account for no explainable reason resulting in personal losses of time, frustration, and expenses.
SUBJECT XXXX about CHASE BANK. 

I received an e-mail from you stating that Chase Bank responded to my complaint that they were " working on it '' .The last e-mail from you stated that the case was closed. That answer is absolutely not acceptable!! Chase Bank has been " working on this issue since XX/XX/2017! They do not answer my repeated phone calls and still have not returned my money which was never intended for that bank in the first place. Chase has had my {$2000.00} ACH check for over FIVE MONTHS. By now a solution should have been reached. I need action not words. I am still without my money! 
PLEASE HELP! 
XXXX XXXX XXXX XXXX
My loans are being serviced by XXXX XXXX. I am apart of the Public Service Loan Forgiveness Plan. They are miscalculating my payments-not counting qualified payments from my employment at XXXX XXXX XXXXXXXX XXXX XXXX and the XXXX XXXX XXXX   where I was/am a XXXX XXXX. Both have been certified as qualifying employers. Yet, they have not counted all my qualifying payments. I called them on the phone and was given no real reason why more than half my payments have not been included in my total from my employment at XXXX and the XXXX XXXX XXXX. In XX/XX/XXXX when I first submitted they came back and told me I had 27 qualifying payments. I was employed at XXXX from XX/XX/XXXX-XX/XX/XXXX and  was making monthly payments at or more to the IBR payment range from while employed there. I understand that only payments after XX/XX/XXXX count towards PSLF plan but they have not counted payments during this timeframe that do count. I left XXXX in XX/XX/XXXX and have been employed by the XXXX XXXX XXXX as a XXXX XXXX ( XXXX XXXX  ) and XXXX XXXX XXXX XXXX worker. I just turned in my certification for XXXX in XX/XX/XXXXand they come back and tell me I only have 78 payments approved total from both employers and extended my final pay off date by years. I have should have 69 payments just from the XX/XX/XXXX. So even with them not fully counting all my payments yet from XXXX, based on them telling me they counted 27 already in XX/XX/XXXX, then I would have at least 96 payments. Whenever I call them they keep extending the time frame that they need to figure out why the payments are not all being counted. I am very concerned that XXXX is mismanaging my account and this will affect my outcome with the PSLF program. It is not fair that I am meeting the requirements and their poor handling of my account is extending my time before I can qualify to write my loans off. Can you please assist me in getting them to review my account appropriately and according to the rules so all my qualifying payments are counted from XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the XXXXXXXX XXXX XXXX. It is very frustrating to hear no real explanation from them regarding why they have miscalculated my account and to keep having their review process extended.
1. This intent of this email is to dispute the blatantly inaccurate and/or illegal credit updates that Ocwen Loan Servicing L has conducted. I vehemently contest the assertion ( s ) made by Ocwen Loan Servicing L that this account ( Loan Number : XXXX ) has been delinquent since it was assumed by XXXX XXXX XXXX. As you thoroughly review the information that I provide it will be clear that Ocwen Loan Servicing L is knowingly, purposefully and willfully reporting inaccurate information. 2. Included in this packet is the original assumption documents which show the terms of the assumption. In those documents Ocwen Loan Servicing L & XXXX XXXX agreed to the terms which clearly stated that the account would be considered current so long as kept all payments current as outlined in the assumption documents. Additionally, within this packet you will see there is no agreement or mention of negative credit reporting for this assumption a Ocwen Loan Servicing L has repeatedly informed me there is. When I inquired as to what legal document gives them the right to report an account as delinquent when its not they repeatedly couldnt produce any documentation with my signature agreeing to such egregious terms. 3. Ocwen Loan Servicing L and XXXX XXXX have pulled every dirty trick in the book to foreclose on my mothers home. The only problem is they couldnt due to my mother being allowed to collateralize my bother ( XXXX XXXX ) and my land without out written consent. This is what ultimately led to the assumption with the new terms that are now in force. As an XXXX XXXX XXXX XXXX, Ive worked very hard to establish and maintain good credit but all of that stands to be wiped out if Ocwen Loan Servicing L isnt stopped from posting fraudulent account status to my credit report. 4. In closing, after investigating the background of this company there exist many complaints and pending litigation. If this matter isnt effectively resolved I will lose my security clearance and my XXXX  career which Ive worked over 19 years building. All of this will be lost because of a company filing false credit updates. I can provide additional proof if required, that this account has never been delinquent since the transfer to XXXX XXXX XXXX. My ultimate goal is to either have the entries corrected and remove the negative information to include the negative implications on my credit history and totally bar this company from reporting information. 5. What actions can CFPB take if my assertions are proven to be true? What type of authority does CFPB have to correct the wrongs of Ocwen Loan Servicing L? 6. My contact information is as follows : Cell Phone ( XXXX ) XXXX and Email : XXXX
When applying for my credit card with XXXX XXXX, I was under the mistaken belief that XXXX XXXX would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the Federal Reserve Bank XXXX XXXX, that XXXX XXXX created the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with XXXX XXXX Bank did any XXXX or employee notify me that your bank created money by a journal entry XXXX out of thin air ). After discovering this, I am prepared to proceed against XXXX XXXX for bank fraud. The banks transactions relating to me lacked XXXX necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States XXXX, XXXX XXXX, XXXX XXXX, Paragraph XXXX confers upon a bank the power to lend its money, not its credit. In XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX S.E. XXXX XXXX XXXX ), the court stated : XXXX T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX Bank XXXX XXXX, XXXX S.C. XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. XXXX also XXXX Bank XXXX XXXX v XXXX, XXXX F XXXX ; XXXX Lns XXXX XXXX XXXX ). 
XXXX XXXX did not notify me that it created money by journal entry XXXX out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from XXXX XXXX to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 

This account with XXXX XXXX was created under fraudulent terms and violates United States XXXX, Title XXXX, Section XXXX, Paragraph XXXX. XXXX XXXX has agreed to close the account but not remove the account from my credit report. I do not want fraudulent accounts on my credit report. 

A copy of the notice sent to XXXX XXXX explaining the fraud is attached.
My XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XX/XX/XXXX, Experian will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with XXXX balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.