WillisBack/dataset-financial-user-claim huggingface dataset:
- I Got a TransUnion Credit Report on XXXX/XXXX/16 - I Found an Unknown Fraudulent Collection Account with the Account Number XXXX in my credit report. 

- I Sent TransUnion a Dispute Letter and request for validation on this unknown medical account on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - TransUnion received the Dispute Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- TransUnion Fraudulent Verified this Unknown Collection account on XXXX/XXXX/16, they claim to have verified the information in the record and identified the provider of the information as XXXX XXXX XXXX XXXX XXXX. 

- I Sent a Debt Validation Letter as per instructions from TransUnion to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX - XXXX XXXX XXXX XXXX XXXX received the Debt Validation Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- I Sent a Debt Validation/Dispute Follow Up Letter to TransUnion with a copy my Debt Validation/Dispute letter to XXXX XXXX XXXX XXXX XXXX, on XXXX/XXXX/16 by USPS Priority Mail Tracking # XXXX along with proof of the XXXX XXXX receipt of the Debt Validation/Dispute. 

- TransUnion received the Debt Validation Follow Up Letter on XXXX/XXXX/16 as USPS tracking system shows. 

- TransUnion refused to properly investigate and once again Fraudulent Verified this Unknown Collection account. 

- As of XXXX/XXXX/2016 the XXXX XXXX XXXX XXXX XXXX have n't sent me any answer to the Debt Validation Letter - As of XXXX/XXXX/2016 I have never received any kind of contact from this XXXX XXXX XXXX XXXX XXXX - As of XXXX/XXXX/2016 TransUnion is still Fraudulently reporting this Collection in my Credit Report - I have attached proofs of this whole process - To Whom It XXXX Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown Fraudulent Collection Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent Collection Account XXXX be permanently removed from my TransUnion credit report immediately.
I received a promotional offer over mail from Citi Priority : Invitation Code : XXXX. Please find the attachment for the detail of the letter.

I have not received the {$400.00} bonus that the promotion has promised after I enrolled the offer and then met all the requirements stated in the letter : I have funded my existing eligible Citi Priority with more than {$100000.00} and I have been maintaining the balance until today.
I have received several calls and letters from the debt collection company Great Lakes. They have failed to state who the original creditor is but insists that I will be subject to wage garnishment. I received a letter from them stating that if I do not set up a payment plan with them then wage garnishment will happen by XXXX XXXX, 2016 The letter they sent says the amount owed but it does not state the reason or the company it came from. Great lakes is not listed on my credit report so I do n't why they are bothering me.
Th is company has been reporting that I have paid them on my credit report. I have never paid a dime to Navient. In addition, during the dispute I have not received any kind of communication from the firm, but a collection agency stating that I owe some off amount. I do n't believe they have accurate information on my account. The fact they are reporting false information is enough for me to ask that account be removed for vio lating FCRA regulations.
I paid off my loan on XX/XX/XXXX and after calling to see how long it wold take to receive the title I was given different answers every time I called from 2-3 days, 7-10 days to 15-30 days. I called at least twice a month since I paid it off and as of today I still have not received it or the payoff letter that they said I was supposed to receive. The last conversation I had was XX/XX/XXXX and was told by XXXX ( she would not give me a last name or operator number ) in the " Resolution Dept. '' that she would resend the payoff letter that I should receive in 7-10 days and that they would send me a duplicate title which would take an additional 2-4 weeks but they would send it XXXX. She told me she would call me today at XXXX to confirm everything but I did not hear from her. The case number is # XXXX. I asked her to let me know how many times I had called and she said she could not look up the calls unless I gave her specific dates that I called even though the people who I spoke to in " Customer Service '' seemed to be able to pull them up on their computer when I spoke with them.
There is a company by the name of Credit Counsel , Inc. located XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX representatives name is XXXX XXXX. He has been sending me letters and calling me trying to collect a debt from " XXXX XXXX XXXX XXXX '' which I do not owe and after speaking to the XXXX XXXX XXXX corporate office they assured me this company does not represent them and that I do not owe them any money. I have attempted to have this XXXX XXXX understand that there is a mistake but all he does is threaten me with reporting to my credit and insult me calling me a liar and a fraud and that i'm going to pay for this. I have emailed him papers showing I don't owe them but he doesn't care. I have no idea who this guy is and i'm tired of him calling and harassing me its been going on since XXXX of this year and he claims I owe {$5000.00}.
XX/XX/2017 a " hard inquiry '' was reported on my credit report from XXXX XXXX. I have never been affiliated with XXXX XXXX. I have never been a member of them, have never even stepped for in their facilities, nor have I ever even gone onto a XXXX XXXX Website. I think I have been involved in identity fraud in this situation. 
This is the first course of action I have made against XXXX XXXX.
I disputed the debt with the credit bureau wanting to have the debt verified but all I received was typed up letters. I have no contract with Account Resolution Services
I have the following companies and Equifax know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from Equifax or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
US Bank, XXXX - charged off XX/XX/XXXX. I fought this. I was in touch with bank teller in XXXX, TN. He wasn't even with the Mortgage dept. i could have paid off balance where i was a few months behind due to unemployment. 'XXXX '' sent my account to charge off status. I called several times to have this reversed. 
Since that time, i never received a statement, nor had to pay on the account. 
XXXX XXXX. receive a statement, after my main Mortgage account was sold to XXXX XX/XX/XXXX. 
The statement reflects $ XXXX due XX/XX/XXXX in delinquency -- 5 years later when there was no resolution within that time to set up payments.
I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  & XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX & XXXX back, spoke with another rep this time and they advised that the information is verified by the 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. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy & child support is mine. In addition to child support they are also reporting XXXX XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX invalidly I have no contract with these creditors, these accounts are unverified and not mine so are reporting invaliding as well.
Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXXDate Filed : XX/2017 Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XXXX 2017 CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/Experian/XXXX credit report immediately. See Attached document as documentation
I had an old account deleted from my credit file by all 3 CRA last month and this month Equifax has since added it back to my credit file ( XXXX XXXX XXXXt ) is the account however I have not received any supporting verification stating that the account belongs to me and according to the CRA once any information/account has been deleted based on lack of verification of a dispute, any subsequent reporting can not be reinserted unless accompanied by a Certification of Accuracy that provides the missing certification. See FCRA 611 ( a ) ( 5 ) ( B ). That requirement applies to any furnisher, not simply to the prior furnisher. The CRA must approve the Certification before they can reinsert. if they reinsert, they are required to send specific notification to the consumer within 5 business days.If reinserted 3 days ago, then you should be getting a notice from the CRA within a few days. If no notice is sent, you can presume the furnisher did not provide a Certification to the CRA, and thus the required procedure was not followed. In that event, you would provide evidence to the CRA of your prior dispute, thus establishing lack of furnisher compliance with section 611 ( a ) ( 5 ) ( B ) ..
I MADE MY WIFE AN AUTHORIZED USER ON MY AMEX ( ACCOUNT OPENED XX/XX/XXXX ) BELIEVING THAT IT WOULD HELP HER CREDIT AND THAT AMEX WOULD DO AS OTHER BANKS. IT ENDED UP DAMAGING HER CREDIT SCORE BECAUSE IT APPEARED AS OPENED IN XX/XX/XXXX. WHEN I CALLED AMEX THEY ADVISED THAT THIS WAS THEIR PROCEDURE AND I COMPLAINED BECAUSE THEY HAD NOT DISCLOSED THIS TO ME OR MY WIFE. WHEN I ASKED THEY REVERSE THIS THEY ADVISED THIS WOULD THEN APPEAR AS A CLOSED ACCOUNT ON MY WIFE 'S REPORT EVEN THOUGH NEVER DISCLOSED ANY OF THIS TO HER.
XX/XX/XXXX, we started making extra principal payments due to a car loan being paid off. We either make 2- {$400.00} payments or 1- {$800.00} payment each month. My Mortgage payment is {$900.00} ( {$890.00} ). On XX/XX/XXXX I checked our Mortgage Statement and in XX/XX/XXXX, Nationstar started mixing up my principal payments and mortgage payments. When I make my principal payments, I go thru their system, and check off " make a principal payment '', so clearly there isn't an issue. I called XXXX and explained to him what is going on. He said he would fix it and it would take 24 hours. So since I am trying to keep track of my balance so I can pay off my mortgage early, I checked after my two payments - one Mortgage, one principal were cleared from my bank at the end of XX/XX/XXXX. To my horror, the payments again were mixed up - the {$800.00} payment was marked as Mortgage and my {$900.00} payment was marked as principal. AND now my statements as far back as XX/XX/XXXX are also all messed up. I called again and the lady said the system always takes in the mortgage first ( and according to my bank statement it did ), but their system did not do it the way she said. It got them backwards. Today, XX/XX/XXXX, I tried to make a principal payment and now their system tells me I need to make a mortgage payment first. Which I did and it cleared my bank on XX/XX/XXXX. To say that I am mad, is an understatement. I just made copied of my bank statement, all of the copies of my mortgage payments, all of my copies of my principal statements plus a copy of my mortgage statement showing them of all of the mixups.
XXXX XXXX from First Source Advantage called me at XXXX XXXX on XX/XX/2018 trying to reach someone else who has not lived here for almost 10 years. I also spoke with Supervisor XXXX XXXX. 

I do not appreciate being called and harassed based on information that is almost a decade old. I have never done business with First Source Advantage, and I am not delinquent on any debts. I have an " Excellent '' credit rating. 

Both XXXX and XXXX defended the call by saying that was the information they had in their data base. Using information that is almost a decade out of date to call and harass someone who is not delinquent in their debts is an unacceptable business practice. 

Also, my phone number is a national and state registered Do Not Call number. I have never done business with First Source Advantage. Yet they  called me anyway.
PennyMac continues to delay payment of my contract 's invoices. Payment of this invoices is necessary for my contract 's to order supplies and complete the necessary repairs to my home after XXXX XXXX. Over {$100000.00} of damages need repaired before my family can move back into our home. Meanwhile, PennyMac continues to hold over {$100000.00} in their escrow account while it draws interest for them. I have received nothing but difficulty and obstruction fromPennyMac at every turn. 
The did send one check for one contractor ... .it was for the wrong contractor AND it was for the wrong amount. I had to overnight the check back to them which had to be " processed for 2-3 days '', then they had to wait for their own check to " clear '' before they could re-issue a new check. But then they said they did n't have all the documents they needed from the right contractor to process the new check ... despite the fact that I have fax confirmation showing the documents they requested had been sent a minimum of 2 times each.
On XXXX XXXX, 2016 I redeemed XXXX Everyday Rewards points on my Citizens Bank XXXX which entitled me to a cash deposit of {$120.00} to my Citizens Bank XXXX deposit checking account. The deposit normally takes 3-5 business days and as of XXXX XXXX, 2016 I have not yet received it. The redemption was made online. On XXXX XXXX, I notified the Everyday Rewards department by telephone and was assigned case # XXXX to my complaint. Since then I have made several telephone calls to check the status of my complaint but could not receive any information other than they were working on it. On XXXX XX/XX/2016 the branch manager of the XXXX ( PA ) branch called them in my presence and could not get any information. Given Citizens Financial Group 's past history of misappropriation of depositor funds, I can not help being suspicious of their behavior in this matter. I am therefore requesting the assistance of CFPB in resolving this matter.
I applied for an Income-driven repayment plan on Studentloans.gov, and Nelnet confirmed receipt XXXX/XXXX/XXXX. Nelnet 's website and IVRU state the status is " pending '' and, if pending, I should allow 3 business days for it to be processed. It 's still not processed as of XXXX/XXXX/XXXX. I tried to call but was getting the run-around. My husband had a similar experience with a different loan servicer. He completed loan rehab in XX/XX/XXXX or XX/XX/XXXX and subsequently requested the IBR/ICR forms. He completed them and sent in multiple times, but everytime he talked to them, they said they either had n't received it or it was still processing. In the end, we gave up. I thought it might be different now with the streamlined online process, but it seems not. Are they waiting on me to default? They keep sending me emails and posting on XXXX how they can help if I 'm behind by arranging a new repayment plan, but there 's no follow-through. Please help.
We are currently with PNC mortgage. In XX/XX/XXXX I was forced to switch jobs and took a XXXX decrease in pay due to my previous position being eliminated. We attempted to refi in XX/XX/XXXX. PNC explained to us that because we were in good standing, we did not qualify for any refi programs that help lower our payment ( we were in " too good '' standing ). We asked how to get involved in any special programs for refi and they stated that we would have to miss 3 consecutive payments in order to qualify. I didn't understand why we would have to fault in order to get a lower rate? 

By XX/XX/XXXX, I was struggling with paying the mortgage. My wife and I decided to finally follow the direction of PNC and we stopped paying the mortgage. In XX/XX/XXXX, I contacted a complaint line and explained my situation with PNC. They stated that " they would never say that '' and that " they would never tell anyone to miss payments ''. I was absolutely floored. I was angry that I used this as a last resort and that I have NEVER missed a payment in the 12 years that I have been with PNC. They logged the complaint and called a few days later and said " sorry, nothing we can do ''. I made the XX/XX/XXXX payment immediately. on XX/XX/XXXX, went online to pay my entire missed months of mortgage so that I could leave PNC and I was unable to pay and they stated that I could no longer deal with them. A few days later, I received an attorney letter with all past due months and an additional {$800.00} fee for the letter being sent to us. I quickly explained the situation to the PNC attorney and that I was trying to pay online but they wouldn't listen. I paid the entire balance in full ( because we were told to withhold the payments by PNC ). We then reached out to PNC in XX/XX/XXXX to get back to refinance the house and they stated that because we have missed any payments, we are no longer able to refi the home. We are now stuck in a mortgage that is almost 2 points higher than any other mortgage out there.

PNC was deceptive in their offers and how to circumvent the system and then denied any wrongdoing and penalized my family for doing what they said. You can look over my payment and credit history prior to intentionally missing those payments. Absolutely perfect payment history prior to this issue.
Last year I talked to the XXXX XXXX XXXX XXXX. I told them I did n't feel comfortable with their service and they said if I did n't want to proceed further I did n't have to. Today I received a debt collection notice on behalf of them from XXXX attempting to collect on that debt. I never used their services because I can literally do it for free. I am not responsible for this debt because they never did anything for me after I said I did n't want to use their services.
XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX is a collector for XXXX, a hospital the XXXX.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to normally receive medical treatment at a VA facility, in the event of a medical emergency we can go anywhere and our treatment is covered.I was having the feelings and XXXX XXXX of a XXXX XXXX.I was on the phone with the VA..who told me to call 911.I arrived by ambulance to XXXX was treated in emergency care.I told the hospital that I had VA benefits at the time of service. YOU MUST DELETE THIS ACCOUNT..YOU are under CFPB CONSENT ORDER scrutiny for exactly this type of wrongful billing without debt validation. 2.XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. Some time ago I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was defrauded by two salespeople double-teaming me.They sold me a plan of unlimited usage that I was happy with.When I received the 1st bill there was a multitude of many undisclosed charges and fees.I was angry at the obvious commission based fraud that I decided not to pay.Whatever I signed was explained as XXXX dollars per month unlimited service.What I received was nothing like what I ordered.If anything was changed it was changed after my signature by the salespeople.YOU MUST DELETE THIS ITEM AS YOU PARTICIPATE IN FRAUD and damage my credit as well. 3. XXXX XXXX XXXX XXXX XXXX ... .While the Dept. employees may be literate they have a mathematical error prone thinking.My report is inaccurate.NOT ONLY have they been paid in full, they have been overpaid.They have received two TRO 'S totalling XXXX dollars.XXXX report is attached for evidence even though it 's wrong too! The Dept. was paid this money in XX/XX/XXXX! You must delete according to FCRA.President Trump will receive copies of whatever you do which will support his plan to abolish the XXXX XXXX XXXX where dates, times, and amounts never match the facts. THE XXXX ACCOUNT has recently '' verified '' and I expect the other incompetents to do so as well with the current Equifax disputes. However ... where fraud occurs as in XXXX XXXX AND XXXX XXXX XXXX, the proper action, according to FCRA, is to " block '' the item from the report until the facts are sorted out.
I am currently experiencing extreme difficulty with the credit bureaus. Experian, XXXX, and XXXX are all reporting my XXXX Accounts as a revolving debt. The definition of revolving debt is- Revolving debt is debt that typically has a variable interest rate, an open-ended term and payments that are based on a percentage of the balance. Revolving debt has a pre-determined limit, agreed upon by the lender and borrower. 
Revolving debt is the kind of debt that credit cards offer and is usually an easy way to get credit. It can be a useful tool when used with discipline. This is damaging my score and affecting my lively hood. My revolving accounts such as XXXX XXXX Credit Card, First Premiere, and XXXX XXXX are all in good standing. I have been paying about XXXX-XXXX % of my balance charged every single month. My credit score should be much high than it is. The credit reporting agencies are in direct violation of The Fair Credit Reporting Act where it states, '' Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate ''. XXXX account number XXXX, XXXX and XXXX should be reporting as UTILITY not revolving. XXXX acct number XXXX should have a XXXX balance and account number XXXX should have a balance of {$160.00} not {$380.00} reported. Due to the erroneous reporting since XXXX 2014, my credit score has suffered tremendously. Revolving accounts reporting as past due or late can damage a consumer 's credit report and in this case I have suffered severely.