WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX I defaulted on a Bank of America credit card, which caused my promotional rate to sky rocket to the default rate. I contacted BofA and asked them what my options were to get the rate lowered, they told me I could opt out, that would close my account and look in a lower rate until the balance was paid. I agreed to do that. A few months ago i pulled my credit report, I see that BofA is reporting " account closed by creditor '', I disputed this with the credit reporting agencies, BofA responding saying that was correct. I sent them a certified letter, letting them know that they are reporting incorrect information, they responded saying they are not. I called and spoke to someone that told me my account had been closed by the creditor, in XX/XX/XXXX, I told them, thats false, i closed it in XX/XX/XXXX. We have gone round and round, they claim they have done XXXX investigations and found that they in fact closed it in XX/XX/XXXX. Well I was either mislead in XX/XX/XXXX or im being mislead now, and in XX/XX/XXXX i was not informed they closed the account, had i been informed I would have told them then that was incorrect. Only did I find out their claim to have closed the account in XX/XX/XXXX, during my attempts to have them report correctly to the credit reporting agencies. I closed the account in XX/XX/XXXX, regardless of what their bias investigation is showing now. there has been no activity on the card except payments since XX/XX/XXXX. Bank of America is such a huge corporation, its hard to believe that they have such shady business practices. Lying to their customers.
Disputed with company online XX/XX/18 stating I did not have knowledge of account. The company updated account XX/XX/18. Having not known what that meant i sent via certified mail XX/XX/18, a letter ( example uploaded ). The dispute was opened XX/XX/18 and company again updated XX/XX/18 without the requested verification. XXXX  deleted the account stating meeting FCRA requirements XX/XX/18.
I am disputing Ocwen 's account that my realtor and the buyer 's realtor could provide {$1500.00} each to me for my relocation fee as long as it was not on the XXXX form. That does n't make sense because they never provided a means by which the fee could be allocated to me. When XXXX XXXX, my realtor spoke to me he was uncertain how to make that happen if it could not be addressed on the XXXX form ... .also the paragraph from XXXX XXXX, 2016 that XXXX informed Ocwen to move forward without incentive is untrue. I never gave consent to that and there is nothing in writing to that consent. I needed the money to move. This response does not address the relocation funds from my initial complaint from case # XXXX ... I have submitted another offer for the short sale at $ XXXX and learned that the negotiator is still refusing to pay the relocation money which contradicts what is in the contents of the attached letter. Ocwens ' response did not address my concerns. I need the relocation fee to move.
BYL Collection Services LLC is trying to collect on a debt that they can not provide proper validation for. No original source document meaning a signed contract between me or even between the original creditor to show this debt is mine has been supplied. They are breaking the law, I want them to cease and desist with all collection practices and all communication. If the are representing an original creditor then the original creditor needs to supply me with the original contract that has my signature on it or an official call recording of any specific conversation that I had to become liable for this debt. They are violating section 609 of the FCRA and I do not want them contacting me anymore.
The debt collector company XXXX XXXX XXXX has various collectors call me. One left a voicemail X/XX/17 around XXXX on my cellphone shared with my husband and daughter, naming herself XXXX in it. My husband listened to the whole voicemail that XXXX left for my debt. They also keep calling my work, where I have repeatedly told them they ca n't contact me here due to policies. The phone line is to be for my work to schedule reservations only. I told a woman this yesterday when she called and she once again called me again today at my work not too long before XXXX. I told her she needed to stop calling my job, that it is a business line and her repeated calling here could put me at risk for my job, she continued to ask if I was available to talk, ignoring what I just told her, to which I replies no I 'm not, goodbye. My job does n't have caller ID so I am unsure if they used the same number as when they call my cellphone. The collector calls 2-3 times a day and uses both my shared cell phone number and my work number to make those calls. I have told them the first time they contacted me that I was in contact with the medical company that I owe money to, the health insurance was billed incorrectly, they keep billing my old XXXX instead of my new XXXX, and until its corrected I only make payments on what I know I owe 100 %. It 's getting to the point I dread answering the phone lines at my job because a bulk of the time it 's the debt collector.
Attached to this complaint is all the evidence and records proving that TransUnion is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof. 

An investigation needs to be done regarding TransUnions abusive and reckless method of verification process. 

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. 

The following information is being reported inaccurately, falsely and unfairly by TransUnion. 

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. 

I don't ever recall paying any of these accounts late/after the due date. 

Attached you will find credit reports pulled by me from TransUnion on two different dates. The late pay information for the same accounts are different between the two dates. This proves that TransUnion is reporting the accounts inaccurately. 

TransUnion is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from TransUnion 's inaccurate reporting. 

METHOD OF VERIFICATION I would like TransUnion to provide me the name of the original creditor, the address and phone number of the original creditor, the person at TransUnion who verified the dispute with XXXX XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If TransUnion can not send me these simple items, then I demand the accounts be updated to PAID/NEVER LATE. 
I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 

TransUnion must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX can not hold in court as per the noted court cases. 

XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX ( TransUnion ) The XXXX data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent and inaccurate accounts it may create for consumer credit reports! 

At this time, TransUnion does not need to falsely verify these accounts again. The only acceptable thing they need to do now is to update them to PAID/NEVER LATE immediately! 

I demand to see TransUnion 's method of verification and the documents they relied upon to verify these accounts at the time of my dispute regarding these particular accounts as per the FCRA.
a derogatory payoff report for a debt owed to  XXXX   XXXX  reported by  XXXX   XXXX  is on my credit report but it is a debt incurred and paid off by my father for a service he signed up for at his address in Fla. I have nothing to do with this debt but because we share the same name it has somehow ended up on my report but the credit reporting agency listing it has refused to remove it from my report.
Hello, I am writing this message because I am having a problem with the transunion credit bureau. As im going over my credit reported dated XX/XX/XXXX. Ive noticed multiple inquiries on my report that I have not authorized. Now by reading and doing some research there were a glitch in their system which occured, so that may have an effect on this matter. I know I have a few accounts listed on my credit reports as well that leads to inquiries, but the ones that are not attached to an account does not belong to me. The credit bureaus are supposed to give me a 5 day notice that inquiries were supposed to be placed on my report and I never received any type of notification. I called today and spoke with a XXXX and XXXX, and was told I had to send a letter to the creditors. Here are the inquiries listed XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ( i have XXXX account with them, not XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
I have received multiple letters and phone calls from HSBC regarding complaints lodged by me for the way they handled my recent refinance. In each instance they make promises about when they will call and talk to me as well as when I will hear back from them in written form. Once again they do not live up to their promises or meet their obligations. The most recent dates that they committed to and that have come and gone were a return phone call that was suppose to happen on XXXX/XXXX/2015. And letters to me promising a written response back to me by XXXX/XXXX/2015 and again by XXXX/XXXX/2015. None of which happened. I am asking that you please take some kind of legal action against them on my behalf. They are not a reputable company to do business with.
A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted within recent years.In addition.the date of 1st delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.The disputed account is XXXX, XXXX, XXXX XXXX acct. no. XXXX.
All three major credit bureaus have illegally hoarded consumers personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is for the consumer financial protection bureau to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security numbers, date of births, financial accounts or credit/debit card numbers, driver license numbers, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer. Consumer wishes for damages of 10 million dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like to thank the consumer financial protection bureau for protecting her/his Personal, Family, and Household.
On XX/XX/XXXX, 2017 sent by wire transfer $XXXXX to Coinbase's bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

I printed the Deposit USD form with all the appropriate information, took it to my banks so that they could perform the wire transfer. I have this form in my possession as well as receipt from the bank documenting the transaction.

I have in my possession the Fed IMAD wire number that documents this transaction. I provided this to Coinbase.

My legal name on the bank account matches my legal name given to Coinbase.

In Coinbase's instructions on their website, I was assured that this was the fastest way to fund my account and that funds would be credited when received.

Four days later, after numerous attempts to contact their Customer Service department by their web form and by telephone call, the only information that I can get is that my case has been "escalated" and that I should here from a "specialist" in the coming WEEKS! Yes, weeks.

The following information is currently posted on their Customer Service page in reference to my issue:

"XXXX XXXX
I have sent in several disputes with Transunion, for erroneous reporting and not investigating information properly, I have a account on my credit report, with XXXX XXXX. stating I filed chapter XXXX  Bankruptcy, I never ever filed Bankruptcy and this company and Transunion are getting a away with Fraudulent information, that is affecting my credit and stopping me from buying a house, attached you will find two documents from the pacer system for the state of NC and one for Nationwide results!
I 've submitted multiple cases via Coinbase website, I was told that " they 'll follow up with me. '' I have yet to receive any information regarding my case ( s ). They disabled my account due to me verifying ID and address. I sent them my photo ID and address and I 'm still locked out of my account. I also contacted Coinbase Support via XXXX on X/X/2017 ; they replied with " A specialist will follow up with you soon. '' It 's almost impossible to get support from them. I 'm trying to remain calm and patient, but it 's frustrating when I have money in there that I ca n't manage. Coinbase is a solid app overall, but the customer support is unacceptable.
Dear Customer Service Department, This is pertaining to the package dated XXXX XXXX, 2015. The information included does not address the fact the payment being billed for PMI has increased and does not coincide with the documents signed with XXXX XXXX. Also, it states that Green Tree has not completed an analysis since the service of the account, however, in prior mailings, it indicates otherwise. Additionally, a payment remittance has not been received for the second month consecutively, which further solidifies the mishandling of the account. 
Consequently, on your Green Tree 's own website, it displays how the escrow account is used for various payments and how it could potentially change from year to year. Listed are taxes ( which I pay directly to the county ), insurance premiums ( which I pay directly ), but no mention or PMI. If my PMI has been predetermined based on my refinance with XXXX XXXX and should not be modified, then why is there a change when the factors provided do not apply to my circumstances and or loan? 
Lastly, it states in the same package dated XXXX XXXX, 2015, that all RESPA letters should be sent to XXXX XXXX, SD. Sending correspondences via the mail are very problematic as my experience has shown that documents are either not received and or not annotated not in sufficient properly. I am paying accordingly to what the documents in the refinanced stipulated, therefore, anything additional would constitute fraud.
TransUnion is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same name as me but does not belong to me. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once with their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. They have 30 days to prove their claim to me or they must remove from my credit report. Its well past 30 days as i started contacting them in XX/XX/XXXX. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends, and there is also another XXXX XXXX at my employer. 

I've contacted XXXX via certified mail on XX/XX/XXXX again on XX/XX/XXXX and a third time this year on XX/XX/XXXX Each time I contacted them, they say they verified as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 

I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collecting from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Transunion and XXXX, XXXX, XXXX XXXX
The balance in my XXXX  account is XXXX, there is a pending authorization on hold from XXXX for XXXX, which was canceled and will fall off, a total of XXXX. I've attempted to add a bank account to withdraw funds, the app will not allow me to add an account, numerous calls were made to XXXX  support, reps do not know why account will not allow it. I've requested account closed prior and again here, I also need a check sent to me for remaining funds, XXXX
i had a laptop for sale on XXXX, this dude sends me a email regards to the laptop. He tells me that hes out of town and needs is as soon as possible. He tells me hey ill send u a check and cash it ill send u some extra cash so you can send it to me and pay the cost to have it here the next day. i was like okay? thinking i never have done anything like this so i go to my bank deposit the check a couple of days later my account was closed and ever since ive been tring to get this fix as soon as possible and i have no leads on anything.
I have made proper TAX XX/XX/XXXXpayment on XX/XX/XXXX, online by echeck. 
I have contacted Bank of America local branch, they provided certified Bank statements to showing that : 1 ). The correct checking account number in this eCheck. 
2 ). I have sufficient fund in my checking account. 
Unfortunately, this echeck was returned, even without reaching my checking account at all. 
I hope you can evaluating what has happened to my 1st payment on time, and kindly waive the property TAX later fee and interest. 
By the way, my father passed away at the end of last year, I went back to XXXX and come back a bit later. So I mad a last minute TAX payment. Otherwise I would make a payment much earlier. This is the 1st time happened to me for a returned check. 
My wife and me to live in this property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( Account # XXXX ), my wife XXXX XXXX has XXXX XXXX XXXXXXXX allowance. In the mean time, we are in the process of make title name change to XXXX XXXX and XXXX XXXX, then we can apply for a TAX exemption with XXXX soon. 
This incidence is the irresponsible handling of my echeck by BOA online service, no communication with me, no alert messages at all. Though I have made several calls for this echeck and try to make it go smoothly. BOA should be responsible for later fee and interest fee charge, returned check fee etc over {$400.00}. The BOA online service is very poor, each time, it take me at least one hour to reach a representative. Even a branch of BOA manager has taken over 30 ' to reach a BOA online service representative.
I requested a copy of my credit report via Annual credit report. I contacted Experian on XXXX XXXX, XXXX to correct inaccurate information. The individual updated all of my personal information per my request ; however refused to delete inquiries though I advised that I had not authorized the inquiries and was unaware who those companies were. The representative from Experian stated that it was MY responsibility to contact the companies who illegally pulled my credit. Though I was upset by this, I did contact each one, that day. They all referred me BACK to Experian because they had no record of my ever applying for credit with them and stated it was Experian 's error. I sent a letter via certified mail on the same day, tracking number XXXX XXXX XXXX XXXX XXXX which they received XXXX XXXX, XXXX requesting again for the erroneous credit inquiries to be removed because I had not authorized them and per FCRA only permissible purpose for pulling someone 's credit was for a firm offer of credit, insurance, employment or court order. This week, I received another letter from Experian explaining what credit inquiries are and they were not removing them. I pledge that I have no knowledge of the following credit inquiries that are erroneously being reported by Experian even after it has been brought to their attention : XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX ( I 've had a savings account with them since XXXX however I did not apply for any new products with them this past XXXX ), XXXX XXXX/XXXX/XXXX ( this should be under promotional because I never applied with them until XXXX/XXXX/XXXX which is supported by the opened account XXXX XXXX XXXX/XXXX/XXXX ( the inquiry on XXXX/XXXX/XXXX was authorized by me when I opened an account this past XXXX, according to XXXX XXXX the XXXX/XXXX/XXXX should be a promotional inquiry NOT a hard inquiry ). 
I am requesting that Experian, immediately remove the aforementioned credit inquiries.
Encore is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

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