WillisBack/dataset-financial-user-claim huggingface dataset:
I have reached out several times to TransUnion by letters, disputes online, as well as phone calls and filing complaints with this forum.   Transunion is reporting a bankruptcy that was  discharged a s well as accounts associated with it. I have sent dispute letters and in their response, they stated, " verified thru the Bankruptcy Courts. '' I have enclosed a letter from the clerk of court, which clearly states that they DO NOT provide or verify bankruptcies with the credit bureaus nor anyone else. There is a public record entry that was placed on my credit report and I have been trying for ove r three  months to get this incorrect entry removed. I have spoken with numerous representatives, supervisors, and managers in regards to the public record and I have yet to get this inaccuracy rectified. This is my seventh attempt to dispute this item in which I have not received satisfactory results. On  XX/XX/2017    I mailed a notice to TransUnion in effort to have the inaccurate item removed or for the credit bureau to produce written documentation including my signature, with enlightenment to how TransUnion has verified this public record. I inquired to know this information as the public record continues coming back as my public record. In addition to my several written request, I have spoken with various customer service representatives an d 3 of the 5 informed me that the request/dispute is sent as a message to the courthouse and once the court verifies it, the information is sent back to the credit bureau. After seeking legal consultation, I was advised to contact the court directly to inquire on their protocol and procedures, for submitting public records to various credit bureaus. After I contacted the court, the clerk advised me that they do not disclose, release or verify any information with the credit bureaus or any 3rd parties. At the point, I c ontacted TransUnion once again and spoke with another representative who at this time advised me the information is verified by a 'runner ' who goes to the court house. I asked what information does the 'runner ' give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. At this time, the representative was unable to answer my question so I requested to speak with a supervisor. The supervisor advised me due to this being an ongoing re-investigation that there is no 'runner ' involved. The supervisor told me that they use a form which is sent to the courthouse. I asked what form and exactly where the form was sent. I asked if she could provide me with a copy of this form. TransUnion refuses to give me any physical documentation ( whether tangible or electronic ) that they claim to have that verifies this bankruptcy is mine. I am requesting assistance in getting this ongoing issue resolve.Transunion violated the  Fair Credit Act by providing me False information I would like for the bankruptcy as well as asso ciated accounts, delete from my credit report and to receive an updated report showing so.
I was approved for a loan modification with Nationstar Mortgage in XX/XX/XXXX, but it was an adjustable interest only rate of 3.0 % and it will end in XXXX XXXX. I will not be able to afford the mortgage once it doubles next year. I applied for a loan modification for a new fixed rate for 30 years but was denied because Nationstar Mortgage already gave me this terrible modification and said that my application resulted in a negative NPV ( Net Present Value ). I used the government website, XXXX and it says that I have a positive NPV and easily qualify for a loan modification. I just want to be approved for a fixed 30 year interest rate that will no go up so I can keep my family in our home.
Company known as 1st Recovery has made repeated phone calls to my cell phone, my parents house phone and my dads cell phone. Refuses to stop calling. Calls all phones right at XXXX, XXXX. Relentless Continues even after asked not to call. I ca n't even get a straight answer as to what this is about.
I have disputes the accuracies of the reporting for both accounts I have with this company. I sent dispute letters XXXX XXXX XXXX XXXX, XX/XX/2018 and XX/XX/2018. All of which I still havent received a response. This is way past the 30 days the company has to respond
I 'm not able to pay on my loans because I have a XXXX issues to where I can hardly work a full XXXX well job. I need help with this I would like to repay even if it 's a small amount or something out my taxes every year like XXXX % of my loan until paid off. Can someone help with this
The company called ARA Prelitigation Firm contacted me from a private number and said that I was listed as a point of contact for an individual who has XXXX pending check fraud alegations against them. They are going to verify my residence and my place of employment so that documents can be delivered to me accordingly. If I am just a point of contact what kind of documents am I responsible to receive? They are trying to collect non existing debts from easily convinced individuals who will fall for their scare tactics ... I am not one of them!
Dear CFPB, When I initially took this loan out it was not transparent that 6 installments of XXXX {$150.00} would be due. This interest rate would be equivalent to 780 % which is also considered loan sharking. The payment schedule was not made visible until after the loan was electronically signed. I have contacted the company via email and requested no further debits be taken from my bank account and that as I have now paid {$450.00} for a {$350.00} loan that it should be considered " settled. '' The company has ignored my request and upon research I have found information that this company is involved in fraudulent and illegal activities. Please find below a payment schedule the company for my account taken from it 's online center. My Account Loan Details Customer Name : XXXX XXXX Application No : XXXX Original Loan Amount : {$350.00} Principal Balance : {$200.00} Loan Docs : View Want to Make a Payment?
View Options Status : Current Loan Effective Date : XX/XX/XXXX Loan Maturity Date : XX/XX/XXXX APR : 602.043 Interest Balance : N/A Original Scheduled Installments : 6 Current Installment Cycle : 4 Current Due Date : XX/XX/XXXX Current Due Amount : {$140.00} Interest Paid To Date : {$300.00} Principal Paid To Date : {$140.00} Last Payment Amount : {$140.00} Last Payment Date : XX/XX/XXXX Loan Payment Schedule Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Status 01 XX/XX/XXXX {$350.00} {$91.00} {$140.00} {$57.00} {$250.00} Regular Current 02 XX/XX/XXXX {$250.00} {$17.00} {$140.00} {$130.00} {$240.00} Regular Current 03 XX/XX/XXXX {$240.00} {$34.00} {$140.00} {$110.00} {$200.00} Regular Current 04 XX/XX/XXXX {$200.00} {$40.00} {$140.00} {$100.00} {$160.00} None 05 XX/XX/XXXX {$160.00} {$64.00} {$140.00} {$84.00} {$100.00} None 06 XX/XX/XXXX {$100.00} {$100.00} {$140.00} {$46.00} N/A None
I received notices that a collection account from Midwest Recovery Systems LLC originally known as XXXX XXXX was now showing on my credit reports for {$890.00} as of XXXX/XXXX/XXXX. It is also showing twice on my XXXX report. I have never been notified by this company about an outstanding debt, they just placed a collection on my report and started calling and leaving me messages on my phone.
Ditech has held my 2nd mortgage for several years untilXX/XX/XXXXwhen it was taken over by XXXX XXXX XXXXXXXX. Upon viewing my first statement from XXXX XXXX XXXX I noted that it said my loan was paid ahead until XX/XX/XXXX but that I had a balance due from Ditech in the amount of {$24.00}. On XX/XX/XXXX I contacted Ditech and learned that even though I pay {$250.00} every month to cover a set monthly payment of {$230.00} in which the additional amount goes to principle, the overage was not going to principle but was rather being held by the company until the total overage was {$210.00} at which time they applied it to the payment for XX/XX/XXXX ( without my consent or knowledge ). When they did this, not  only did it appear as though I shorted them on a payment but they were then able to keep {$140.00} of the funds as interest instead of applying it to principle like I intended and like they showed on every months ' statement they were. Based on this history, it likely means they are currently holding {$110.00} that should have been applied to principle since XX/XX/XXXX and are just going to keep it. Here is how I got that amount : $ XXXX-XXXX=XXXX x 8 months= {$110.00}.
ATTN CFPB THIS IS NOT A DUPLICATE COMPLAINT, CAPITAL ONE HAS PROVIDED ME WITH A RESPONSE TO A COMPLAINT THAT I FILED, I THEN RESPONDED TO THIER COMPLAINT, IT IS NOW XXXX XXXX, 2015 AND I HAVE NOT HEARD BACK FROM THEM IN REGARDS TO MY RESPONSE TO THEM. SO I WOULD LIKE FOR THIS TO BE PROVIDED TO THEM IN REGARDS TO THEM FAILING TO RESPOND BACK TO ME IN THE TIME FRAME ALLOWED TO THEM ACCORDING TO THE FCRA LAWS. 

I HAVE PROVIDED CAPITAL ONE WITH ALL THE NECESSARY INFORMATION THAT THEY HAVE REQUESTED FROM ME SEVERAL TIMES, THE LAWS REQUIRES DATA FUNISHERS ( WHICH IS CAPITAL ONE ) TO HAVE BOTH XXXX % COMPLETE AND ACCURATE RECORDS AS YOU CAN SEE FROM THIER LETTER SENT TO ME, CAPITAL ONE MUST NOT HAVE ACCURATE RECORDS IN REGARDS TO THESE ALLEGED ACCOUNTS INFORMATION. AS A CONSUMER I HAVE THE LEGAL RIGHT TO REQUEST MY ACCOUNTS INFORMATION FROM CAPITAL ONE AT ANY TIME, AS LONG AS CAPITAL ONE IS CONTINUING TO PROVIDED INFORAMTION TO THE CREDIT REPORTING AGENCY 'S. 

AS CAPITAL ONE IS NO DOUBT AWARE WHAT THEY ARE DOING BY CONTINUEING TO REPORT DISPUTED INVALIDATED INFORMATION ON THESE ALLEGED ACCOUNTS IS A VIOLATION OF THE FCRA LAWS. 



I am writing in reference to the dispute the accounts referenced here in my letter ( CFPB # XXXX ; XXXX ). 
I have disputed these alleged accounts information as inaccurate with Capital One, and you have come back to me and stated you were able to VALIDATE these alleged debt. How is this possible? Under the laws of the FDCPA, I have contacted Capital One myself and have been unable to get you to legally VALIDATE these accounts in their entirety. 
I enclose copies of my requests for you to VALIDATE these alleged debts in their entirety. These alleged debts are not mine and I was given any evidence of my obligation to pay these alleged debt to Capital One. 
The FCRA requires Capital One to VALIDATE the validity of the items within 30 days. If the VALIDATION can not be verified, Capital One is obligated by law to remove these items. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
I have a problem with Equifax. I formerly had a charge off with XXXX XXXX XXXX. I was able to make contact with the company and they agreed in writing to remove this account from all of my credit reports. XXXX and XXXX  removed the account but Equifax has not. I even sent them the written proof from XXXX XXXX XXXX showing them that it should be removed. However Equifax still has the account listed as a charge off on my report.
I filed a Chapter  XXXX  Bankruptcy in  2005 . Case  XXXX . The bankruptcy was  discharged without a reaffirmation agreement. Bank of America is aware of this. They continue to report the mortgage account when it becomes delinquent as if I owe the money. They are able to foreclose if the loan is delinquent but they can not pursue for money damages. They should not be reporting that I owe them money or collecting on a debt that was discharged.
Consumer portfolio services place my loan status on XXXX major credit bureaus as charge off without any written consent to me nor have they answered any email or phone messages i am late on loan and informed them of death in household being cause of reason
During my process, I set up a payment with XXXX XXXX and the agreement was to remove it from my credit report after I pay off the debt. I paid off the debt and next thing you know I have a judgement letter in my mailbox. The judgement has been requested to remove it off my credit report since they ( XXXX ) had proof that I had paid off the debt from the letters I sent.
My American Express Serve Prepaid card has been duplicating charges since XXXX/XXXX/2016. I did n't notice the issue until XXXX/XXXX/2016. I am now in the negatives in my account and American Express has not fixed the issue. I am traveling out of state and to have this issue because of American Express and to not be able to reach anyone with customer service is extremely unprofessional. I want the charges taken off of my account and my original balance restored.
XXXX/Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Dear Sirs : I applied to XXXX/Synchrony Bank to purchase some furniture. It was 18 months interest free. The total amount was {$1900.00} dollars. I had made monthly payments on time and paid it down to {$1100.00} Dollars. I had XXXX and no longer could work the job that I had due to the XXXX I was in. Synchrony Bank started charging me an interest rate of 29.99 % and late fees. My balance is now {$2700.00}. I know of a person who has gone through the same thing and his balance is up to {$10000.00} dollars. I have tried to communicate with them to see if they would just let me pay back the original balance of {$1100.00} dollars and they will not hear of it. I feel there is no way I can not pay this back ever with the interest rate and late fees applied every month as high as it is. Please help me and other consumers. This so wrong to treat consumers this way. 
Sincerely, XXXX XXXX
I have sent them two letters asking them to properly validate this debt, they have sent me back nothing more then generated computer copies that does not validate what I asked for in anyway. 

I keep getting the run around with useless reply letters that do not properly validate in anyway. 

I have also have sent them stated that I am exempt, because my only source of income now is from SSI, with no regards to this letter. 

Amount is {$1400.00}
According to my credit report dated XXXX/XXXX/2014 my XXXX XXXX utility bill is more than 90 days overdue. However, I have not missed a payment since opening the account XX/XX/XXXX. The credit report also states that the account is current, but the payment is late. I have disputed this with Transunion but have not gotten a response. I will mail supporting documentation via USPS.
On XX/XX/XXXX I tried to log into my personal and business checking accounts with Suntrust. Said wasnt available and didnt work for mobile. I called and they told me over phone- we closed your account and you'll be mailed your check. They wouldn't tell me why, how, when. 
That is my rent money, my grocery money, my gas money. They did not notify me in writing, via a call, text, nothing. No warning. No reason. 
I went into a branch as I am traveling in XXXX. They tried to call corporate. They said with no " activity '' on the account for five days then account would be closed and check then 10 days and then sent. They said the closing process started XX/XX/XXXX! I had funds automatically setup from other companies transferred to the account, automatic withdrawals setup etc and they did not tell me to not interact with my account until I had to have a branch call and find out details of how I can access my own money on XX/XX/XXXX. I had to ask! So the bank can take money into my account, allow attempted debits, refuse the debits but accrue the funds and gain interst on my money, all well penalizing me in multiple ways- 1 ) charging me fees when the attempted debits dont go through even though I wasn't told not to use my account or explained why, 2 ) stealing and hoarding my money and my companies money and gain interest on it- and grow the funds because they can accept deposits on a " closed account '' but can release it to the owner of that account, 3 ) prolonging the release of funds as they did not tell me or give me any sort of details that when something interacts with my account- even a return or automatic transaction- it makes it so my funds are prolonged from me 4 ) no way to access my own money for over a month causing XXXX XXXX XXXX  such as XXXX and XXXX 5 ) no access to see what has and hasnt been attempted etc to my own account to see when I can get access /what merchant transactions are accurate etc. This has to be illegal! They said they would mail me a letter. I have  received nothing. This is XX/XX/XXXX. They have had my money and no plans to release it. What am I to do!? How can they not give 24 hours  notice, explain a week ahead of time? If my rent is late my landlord evicts us. That money was for my rent. So now I will be evicted, can't buy groceries and am unable to buy gas. How is this even legal?! And the bank is tricking me bc they won't tell me anything about what has posted/not and didnt tell me not to issue checks at start of month etc or to cancel my subscriptions etc. They just want to hold onto the funds. This is ridiculous!!!!!! On top of it they charge me XXXX and XXXX each month which I was charged to have an account, then they are going to charge me each debit attempted on the account even though I was unaware of what was going on as they didnt communicate with me to have things changed.
I have a home loan through NationStar Mr.Cooper.I signed a loan adjustment with them a few years ago and the numbers seem to be way in there favor.I did not chose this company, XXXX XXXX closed and signed over my loan and I had paperwork stating it was paid in full.I think they took advantage of me.I have been reading up on all the lawsuit activitiy with this company.My house was damaged by a small fire.I recived my insurance check and am worried about sending it to them to sign off.I have read many complaints about them keeping the money.I have paid for all the materials and made all the repairs out of pocket.I have a terrible feeling they are going to keep the check and pocket the money like they have with many other customers.Can you please help me?? Please, Im a good guy, never been in any trouble, no repos or foreclosures, very good credit, was a XXXX and do a bunch of XXXX XXXX with XXXX XXXX and XXXX XXXX, Thank you.XXXX XXXX XXXX XXXX XXXX
Hello,

Thank for your time.  On Friday XX/XX/XXXX attempts to transfer funds to two of three accounts held at Etrade Bank.  Upn not being able to transfer funds either by ACH (check) or Direct Deposit i phoned customer service.  The rep stated the accounts were in the process of being closed and refused to provide any explanation for the closures, and also wouldn't provide a supervisor whom could more insightful explanation of the situation.

With phone calls to the customer service dept. who refused to provide  any explanation or answers as to why the company abruptly closed and blocked the accounts I found the accounts open online through the online banking site end of the company.

From the Online banking site, a request as follows:

START----------->
Sent: XX/XX/XXXX XXXX XXXX
Reference Number: XXXX

Customer Service Message:


Dear XXXX XXXX,

Thank you for your message regarding your account.

At this time E*TRADE has chosen to no longer do business with you because there has been abuse of this account and known fraud. As a result this account will be closed. 

Should you have additional questions, please feel free to respond to this message or contact our Customer Service team at XXXX (+XXXX XXXX). Our representatives are available 24 hours a day, seven days a week.

Sincerely,

XXXX XXXX
Sunday - Wednesday XXXX - XXXX ET
XXXX (XXXX)
Associate Financial Services Representative
E*TRADE Securities LLC
Ocwen Loan Servicing is running a scam that they now impose a {$10.00} fee for paying your mortgage on their website if it is more than 10 days past the due date. This is true even if you are still within the grace period. Apparently, I have to write a check and use snail mail to pay my mortgage otherwise they charge $ XXXX {$19.00} to pay electronically or over the phone. We all know the transaction costs for processing electronic payments is minimal and this is just an attempt to try to make people miss the deadline and incur late fees. This is an unfair business practice that the government should be prohibiting. It costs them no more money to process a payment on the XXXX of the month than it does on the XXXX, but it eliminates the grace period that was provided by law. Because I ca n't just change my loan servicer when they adopt obnoxious processes, the government should be stepping up and regulating these practices. It would be nice if the Consumer Financial Protection Bureau actually protected consumers from these outrageous practices. Because it costs them more to process paper checks, I will go ahead and start mailing checks again.
XX/XX/XXXX I applied for a refinance, I was told that Bank of America had on my credit report that I have not been paying my Home Equity Line of credit. I have receipts as I go into the branch and pay. The Branch did not know why the mortgage department said I owe when there records say I am up to date ( I have the record the branch gave me ). I called the equity department on XX/XX/XXXX, they said the branch can't see what I really owe and that I was short on my payment for the last few months. I paid what I was told and was also told that within 10 days my Credit report would reflect that I don't owe Bank of America anything. Just found out that Bank of America has on my credit report that I owe {$49.00}. I asked where did that come from and was told XX/XX/XXXX. I am now told that they will not fix my credit until next month. They keep lying and lying and charging me every time I call. The Branch can't help, they don't know what to do either. I feel as I am being held ransom by Bank of America.
I am writing on behalf of My common law husband XXXX XXXX -paquet and myself XXXX XXXX this is in regards to a credit card with XXXX  XXXX XXXX XXXX debt collector XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX for the amount of {$700.00} XXXX and I took this credit card put as a joint card we took XXXX insurance son this card due to my fight with XXXX Incase the worst senecio happened. 
I XXXX XXXX filed a chapter XXXX and received a dischargeonths later we receive letter regarding this debt and others not discharge XXXX XXXX was not Part of the chapter XXXX so now he owes this entire debt I XXXX have wrote numerous emails as well as on the websight of Attorney Raush Sturm XXXX XXXX XXXX  XXXX XXXX XXXX wi XXXX XXXX no response except weekly threats weekly letters even though I XXXX have called acknowledged and in receipt of all that mail and harassment there are laws to protect us from this type of harassment it shouldnt be a threat it needs to cease and desist immiediately. I XXXX have sent a letter stating this debt will be paid in small outs due to our financial hardship and due to both XXXX and XXXX both on card I XXXX will be following up as this company receives payment of any type I do not want threats of legal harassment as we are doing our best on XX/XX/2018 XXXX sent a small check letter included as the websight does not allow us to make a payment with out checking account and we will not feel comfortable with giving out banking I formation such as routing and account number I am coming to you to sto the letter notifications abuse threats and give us time to pay this and at time Of completed full payment removed off XXXX and XXXX credit report not with paid less than owed or charged off I would line this completely removed I would please appreciate the respect or the letters calls to stop and let us make this just and right