WillisBack/dataset-financial-user-claim huggingface dataset:
I have submitted multiple requests of TransUnion to delete two tax leins ( released tax leins ) as it does not meet the minimum requirements as detailed in the latest credit reporting changes in XX/XX/XXXX. 

Beginning on XX/XX/XXXX, the three major credit bureaus, TransUnion, XXXX and XXXX, will no longer report tax liens or civil judgments with incomplete information on individuals credit reports. Again, as of XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, AND ( 3 ) FULL Social Security Number and/or date of birth ; That being said, I attached a copy of both NC Revenue State Lein Release letters and NEITHER of the letters maintain the required MINIMUM information and thus must be removed from my TransUnion credit report. 

XXXX and XXXX have both removed the 2 leins from my credit report based on this info, BUT Transunion refuses to delete the items and be in compliance with the new credit reporting law. Therefore, I have no choice but to file a formal compalint with you so that they can remove the released tax leins from my TU credit report.
Paid up with Bank of America. Have proof. Have proof of insurance scam. Have proof of forged documents.even have them on tape admitting that what they did was a mistake. Went to Sen XXXX in Delaware. Had all proof .They worked WITH BOA. Saying they would help. But stood by and did nothing.My husband was AT the XXXX XXXX in XXXX. To hear about the XXXX XXXX in protecting XXXX buildings and hear bullets zing by hitting the building. BUT you have to stand there because you are a XXXX. XXXX XXXX. he served and still had to leave his home after 12 years. Why because of the country Wide, BOA mess. And no one wants to help in Delaware.Please help us. XXXX XXXX XXXX XXXX XXXX XXXX We have proof. in writing and on tape.
Student loan care promised to reduce my monthly payments and it has been over a year now. They charged me {$1400.00} for the service and nothing was delivered. I asked for a refund and they said only a portion of about {$1100.00} will be refunded. I said that is fine at this point I want nothing to do with them. It's been over a few months and nothing has came in the mail in a form of a check like they promised. I emailed countless times and was told it will be present. Still til today nothing has came in. Please help close these scammers down.
I have never done business with this company or had a debt sold to this company. I have requested multiple times to have it removed from my report and submitted documentation showing it should n't belong to me but received a statement stating they will conduct no further investigation.
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Collection Agency : XXXX XXXX XXXX Credit Reporting Agency : XXXX Debt Amount : {$3500.00} Date of Debt :? 

I have been disputing this debt since XX/XX/XXXX with XXXX. I have asked for verification that I did any business with XXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I finally called XXXX, and they stated that the collection agency " XXXX XXXX XXXX '' has verified the account. 

I then called XXXX XXXX XXXX and asked them to produce something that shows this is my account. They only said that they have my name, social security and an address that I never lived. 

I then hung up with them and called XXXX XXXX XXXX XXXX XXXX XXXX ( the original creditor ) and asked them to produce a signature or document from the original date of service and she did n't have it and referred me back XXXX XXXX XXXX. 

They have not produced any item that shows this is my debt. 

I am requesting that this be removed from my credit report
I have several inquires on my credit report that I did n't authorize. I did n't apply for credit or do any business with these company 's.
this debt has been placed on my credit report, it was my wifes debt from a injury, this debt was suppose to have been paid by the company she sued and was court ordered for it to be paid. Last year Capital Accounts , llc. contacted me XXXX XXXX in regards to a medical bill owed to the XXXX and XXXX XXXX in XXXX, AL. I gave the lady who called all the information regarding the debt including the attorny who handled the case for me. After that discussion, no other person nor any mail from them has ever been recieved for me or my husband. I recently got on XXXX and checked my score and the debt was still on my account, i disputed this thru XXXX who removed it off my report due to inaccuracy. In XXXX 2016 we decided to purchase a home and had my husbands credit pulled, and to our surprise they attached this debt to him, without any contact to him via mail or phone. I have contacted the atty. that handled the case, as well as this collection agency who put this on my credit report. Yesterday XXXX/XXXX/16, starting at XXXX, i spoke with a XXXX, who coulnt pull this debt up using a name or XXXX last XXXX social and nothing under mine at all, after about 30 minutes he finally located it, he informed my that my husband was also responsible for this debt since he was the primary on our insurance, i told him i belived that not to be true! I told him I would call back. I called back and then spoke to a XXXX around XXXX and she informed me after 30 minutes or more of even locating our information once again, that he apperantly had been to the office and signed paperwork, i told her i hoped she was recording this because my husband has never signed anything in XXXX XXXX office, first off he does n't XXXX, the lady became very quiet and stated that this was my bill, i then again to explain this over again to her and i have become aggitated because they ca n't get the information straight. This morning I contacted the dr. 's office and they told me they no longer use this agency anymore. I called this afternoon and have been run in complete circles from one debt rep to another and on who stated his name as XXXX XXXX, supervisor, he decided he would send me to another bigger supervisor and low and behold i was back with XXXX again who stated he did n't even know who the XXXX was or the supervisor, i laughed and felt concerned what kind of place are these people running. Again today I got nowhere with this. It is still on my credit report under XXXX for XXXX amt and on my husbands credit report as another, also this company does not mind sharing anyones personal information, as they pulled up my husbands account and discussed it with me without asking his permission first.
I RESPONDED TO A CITIBANK , N.A . PROMOTION WITH CODE : XXXX ON XXXX2016. I OPENED A NEW CHECKING ACCOUNT AND HAD UNTIL XX/XX/XXXX2016 TO DEPOSIT {$15000.00} AND MAINTAIN THAT BALANCE FOR 30 CONSECUTIVE CALENDAR DAYS. AFTER 30 DAYS I WOULD HAVE A {$400.00} BONUS DEPOSIT INTO THE ACCOUNT " WITHIN '' 90 CALENDAR DAYS AFTER THAT DATE. I MADE THE $ XXXX DEPOSIT ON XXXX 9,2016 AND MAINTAINED IT THRU XXXX2016 ( 30DAYS ). I THEN WAITED 90 CALENDAR DAYS STARTING XXXX2016 THRU XXXX2016 ( 90 DAYS ). I DID NOT RECEIVE THE {$400.00} BONUS. I CALLED THEM ON XXXX XXXX AND XXXX XXXX, 2016 AND THEY GAVE NO EXPLANATION AND SAID I COULD ONLY FILE A COMPLAINT EVEN THOU MY STATEMENTS VERIFIED MY TRANSACTIONS. THEY SAID I COULD WAIT UP TO 30 MORE DAYS FOR A RESPONSE AND WOULD NOT ALLOW ME TO DISCUS ISSUE WITH THE PROPER DEPARTMENT. I COMPLIED WITH ALL REQUIREMENTS FOR OVER 4 MONTHS NOW AND WANT THE {$400.00} THEY PROMISED IN WRITING IN 90 DAYS. THANKS FOR YOUR HELP.
The collection company, financial recoveries, claims that they sent me the verification letter after they talked to me, but the fact is that 1 ) I did not remembered that they ever contacted me and 2 ) I never received the verification letter. I do n't know this debt until the landlord told me I have a collection record in my credit report. 

The reason I did not receive is might be they send to my old address. It 's their mistake in their job that fails to verify my information before they sending out the document. The key thing is that they put this information into my credit report without sending me the verification letter, nor notifying me that this debt has not been paid by the insurance yet.
HSBC Mortgage Corp. has failed and refused to send me monthly mortgage loan statements for a year, despite repeated requests that such statements be provided to me, and legal requirements under TILA and other statutes that such statements be provided.
I was previously enrolled in a XXXX XXXX XXXX ( XXXX ). I last deposit to XXXX was in XX/XX/2017. XXXX and myself notified all creditors that I enrolled in through XXXX   that my services were withdrawn. XXXX XXXX ( XXXX, XXXX, & XXXX XXXX XXXX card services ) refused to acknowledge this and continues to report to all credit report agencies for three of my XXXX XXXX Credit Cards are managed by XXXX. I have submitted three separate disputes to all CRA 's and XXXX XXXX without success. Each time I provided the official letter from XXXX and a personal statement verifying my withdrawal from XXXX. I have been managing my own financial responsibilities and making on-time payments through my financial institution bill pay services. XXXX XXXX is not complying with the Fair Credit Reporting Act by continuing to report inaccurate information to all CRA 's.
Dates/amounts XX/XX/2018 - amounts {$2400.00} XXXX Transfer, {$510.00} XXXX, {$510.00} XXXX Total charged {$3500.00} This was a purchase for a camera. After contacting someone to purchase their camera, a XXXX XXXX, I was told to send the money via XXXX since his XXXX hit the max transaction amount. I transferred the {$2500.00} via XXXX and another {$1000.00} via XXXX. I trusted the XXXX service since it was available to do through the Bank of America mobile app. After about one week, I had still not received the camera so I contacted my bank and filed a claim. Claim was rejected, and they told me that the money that was transferred went to another Bank Of America account, but could not give me details on the account holder so I could file a police report. 

I have attached photos dealing with the conversation we had below. The number turned out to be a burner, and his names were false.
Back in XX/XX/XXXX I requested a {$2900.00} Balance Transfer be made to XXXX 's. <P/>I have been advised that this payment has been made to XXXX 's but they state that this payment has n't been made or at least not posted to my account ending in XXXX. <P/>I have requested on several occasions a copy of the payment so that I may forward this to XXXX 's to get this cleared up. <P/>It has been 4 almost 5 months and nothing but I am being charged this amount on my monthly statement as having been paid. <P/>I need to show proof to XXXX 's so they can get this payment posted and fees adjusted to my account.
I have done the money transfer by using Western Union on XX/XX/XXXX at XXXX XXXX EDT. WU have promised me that within 5 minutes I will get the call from validation department & after that my brother can collect the money in XXXX. Their validation department has not called me until now ( XX/XX/XXXX-XXXX XXXX EDT ). Because of their false promise, my family has a tough time in XXXX & I also had a sleepless night. My family was looking for money urgently. I had made several calls to them during the last 14 hours. They are saying same line again & again that I will be receiving a call from their backend ( Validation ) team. They have not kept their promise & now Im asking them to cancel this transaction then also they are repeating same line that I will be receiving call from their backend ( Validation ) team ASAP, this time they have added another word to the line that I will be receiving a call in next 24 hours instead of 5 minutes. 

I am paying transfer fee & they also earning from dollar exchange rate on their terms & still they are not doing what they are supposed to do. I do not have any idea how they can streamline this process & stop doing false promises. My hard earned money is on no man zone & you know the importance of money at right time for personal usage. 

Im looking for your help so that Western Union will return my money & should start respecting the consumer time & needs.
I called to verify the address to send my request for removal of a paid debt that is on my credit report. I spoke with XXXX XXXX at Financial Management Solutions, she stated that the address on the XXXX credit file for company was not correct. I requested the correct address to send my request for removal. As I proceeded to tell her that I was sending correspondence to have this debt removed, she became very nasty, would not answer my questions, and kept asking for my number, I requested again an exact explanation of the process she refused and begin to say I was arguing with her about my " unpaid debt '' I stated I was not arguing and if she gave me a chance to speak or complete my sentence without her bullying. I was very upset and she continued to tell me and insult me. I asked for a supervisor and she stated that was her and that she said all she has to say. I I told her I have a right to verify the information, she continued to state that I keep talking and not giving her my phone number. I asked again for clarification of the process and she hung up on me. I called back a gentleman answered the phone, I was transferred to her again and she started to yell, I said that she is required to validate the information, and speak to me in a respectful manner. I said if she does not stop being abusive I will report her. She oh you are threatening me .... and hung up on me. I am very upset and I still do n't have the information on how to get this paid debt removed from my account. Please help me.
I am a Victim of ID Theft and I am trying to improve my credit. I went through a lot and I owe {$50000.00} without certification and I am XXXX years of age. I have asked for consolidation of my school loans, I applied for a credit card with XXXX XXXX. I was turned down due to negative items on my credit file, when I checked I have XXXX negative accounts without any explanation that everything was consolidated. Now the negative items are there from XXXX plus negative items of school loans still from XXXX XXXX.
In XXXX I was trying to get another XXXX XXXX  to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor Equifax to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake Equifax/XXXX deleted a different XXXX account from my credit report. I had a XXXX XXXX with XXXX  for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason Equifax and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/XXXX XXXX they said they NEVER delete accounts from credit reports. I asked that Equifax put the account they removed back on my report and they said they can not because XXXX is the one that deleted the card. XXXX told me Equifax has it on my older reports and should accurately report it XXXX can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.
On XX/XX/XXXX I was charged {$62.00} for a recurring payment, which I had called the company and told them to cancel my service Since I did not have that much in the account I was charged {$34.00} by the bank. I noticed that the charge had been attempted 3 times, it was on the third time that they had paid it and applied the fee. If there wasn't enough money in the account why did they go ahead and pay the charge? Then charge me a fee? They did it again on XX/XX/XXXX for a charge of {$5.00}. And again on XX/XX/XXXX. They did not pay the {$5.00} charge but charged me {$68.00} for {$5.00}! Then they went into my other XXXX accounts and took out {$20.00} from my savings account on XX/XX/XXXX and {$140.00} from my Liquid account on XX/XX/XXXX to cover their fees. I called twice to get this resolved and was hung up on. I did find out that when I opened the other accounts I agreed to have money recovered out of my other accounts, NO I did not! If I had known that I would have closed them all. And now I was charged another {$34.00} fee for a {$10.00} charge on XX/XX/XXXX. So my account is now - {$43.00}!
This is my 3rd dispute w ith GM Financial regard ing the inaccurate reporting of 30 days late for  XXXX    XXXX  . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
repeated phone calls on my cell phone and to my work. Called my ex-husband, my XXXX neighbor, threatened me at work. called 5 times within 10 minutes at my job. Yelled at me they wanted HR and then the payroll manager to garnish my wages. I told them I was at work and could not receive phone calls. Immediately after receiving this information, they called repeatedly with more threats.
Associated Credit Services first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. I return all they sent to me was statements. However they sent me nothing that validates that this debt is mine, no SSN, no Date of Birth. I want the debt deleted ASAP.
Was on a payment plan with a law firm for XXXX XXXX XXXX for a debt owed and have been making payments to them the law firm has went ahead and garnish my bank accounts for over XXXX when only XXXX is owed they have taken 100 percent of my wages and other and has left me nothing to live off of
There are XXXX accounts on my Transunion file reported by XXXX that transunion refuses to remove even after the company sent deletion letters to have the account removed. I requested that the company provide me with validation regarding their claim, and they never provided the documentation. I filed a complaint against the company with the CFPB, in which they were not able to validate the account and agreed to have the information deleted from my credit files. Transunion sent me an updated report from XX/XX/2015, and these accounts are currently listed. By law, if a company can't validate the information they are reporting than it must be removed from the credit files. Additionally, I have disputed this information with Transunion in the past, and they have always verified that these accounts were validated and verified as accurate. Being that the company requested these accounts be deleted, I am not understanding why Transunion will no comply and removed these files from my record. XXXX sent these request electronically to Transunion before this file was mailed to my home and the accounts are still listed. Please assist me with getting these accounts removed as the company XXXX requested and as I have kindly requested.
I have been XXXX for 15 years there is a {$850.00} debt on my report from 2014 for XXXX I was in XXXX records will reflect the facts.
We have account with XXXX XXXX XXXX. We applied for a business loan and was turned down because Transunion reported that we are Serious Delinquency, accounts not paid as agreed, time since delinquency is too recent or unknown and number of accounts with delinquency. So I checked the credit report it is XXXX that is reporting that our loan was charged off XXXX XXXX put we are making payments. We checked the credit report again on XXXX, XXXX and it says charged off as bad debt, profit and loss write off and closed. We have been making payments, so should we not make anymore payments or what? Where have my payments been going? We applied for a loan did not get it. We XXXX XXXX XXXX XXXX we really could use a loan did not think there would be a problem. This is hurting our business we went to several places could not get one our personal credit is always checked. We have worked real hard to have good credit. One of our store credit cards have lower our credit line. When will this stop? Is it XXXX or Transunion or both. We have never had a problem like this. Hope you are the right place to go.
I have asked for validation and verification on several occasions and these people have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX , XXXX, or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX , XXXX, FEDERATED LAW GROUP, PLLC has sent me a notice of lawsuit filed, but since this is a communication from a DEBT COLLECTOR they would have to take the consumer to a UNITED STATES DISTRICT COURT to get a competent jurisdiction to say that I owe them anything which they have not been able to show. These individuals have put entries into my personal credit reports and they have been disputed but they still show up as my account. I did not give them my private non-public information so I do not know how they obtained it. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so They have harmed my consumer natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX XXXX, FEDERATED LAW GROUP, this is aiding and abetting fraud on the Consumer who is a natural person.
I have contact Equifax a few times in writing regarding 3 collection accounts that they are reporting on my credit report. 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX. The last letter I send certified with tracking number XXXX. In which they have failed to comply and send their method of verification I also requested they remove any other names besides the one listed on my letter that I send them and any request that they remove any other addresses listed besides the one on the letter I submitted to them. Not only is my name common there are others in my area with same name as myself. No ENTITY may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY OF TRUTH, ACCURACY, COMPLETENESS, AND COMPLIANCE TO XXXX XXXX so they have failed to prove and refused to delete the unverified, unproven or no complaint accounts that they are reporting.