WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX credit reporting shows account open. 
XX/XX/XXXX credit reporting shows account closed and states that a foreclosure action has begun, Which is incorrect, the foreclosure action what started XX/XX/XXXX. 
XX/XX/XXXX credit reporting states they count remains closed. 
XX/XX/XXXX credit reporting shows that the mortgage account had been removed from my credit report, even though the foreclosure action was still in litigation in court. 
I have requested from XXXX XXXX XXXX accounts relationship manager, XXXX XXXX, to investigate why the account was closed and removed from my credit report. At present a formal investigation has not begun and it XXXX XXXX insist that the account is still open and litigation remains in court.
To Whom it May Concern : I have an ongoing issue with TransUnion. Macys department store placed XXXX identical negative reporting on my credit file. In fact it only applies to TransUnion. 

Macys account contained around {$200.00} in unauthorized charges that they never investigated and now it grew up to {$700.00}. I have tried to check my account online, but it transfers me to XXXX credit cards. When I enter all the info - it says they have no info about such account existence. I contacted XXXX - no response. 

So I am tried to dispute the accuracy. As a result- they placed XXXX more negative report on my file. So now my report contains XXXX negative identical reports for the same XXXX thing. 

I tried to explain this to Transunion - included screenshots, sent copies from other credit bureaus, showing that the account numbers are the same and amounts/opening/closing dates are the same. Nevertheless, they sent me the same " updated '' report, saying thank you for the concern, both negative reports will remain on your file. 

So at this point I will be filing the complaints with Government agencies, to see if you could help me with it. I dont know if TU does not investigate the cases, or they have too many incoming cases to review, that in the end they dont even review anything at all. Or just the poor training of investigators. 

I have copies from Transunion if CFPB needs in order to pursue the investigation. 

Thank you.
I contacted JJ Marshall on XX/XX/XXXX regarding a debt I was not aware of, I was only asked if I wanted a copy of the report. I told them at that time my husband would contact them. I decided to contact them again on XX/XX/XXXX the person I spoke with for the second time was rude, he also told me that my husband contacted them in XX/XX/XXXX and took full ownership for the acct in question. They have full knowledge that this acct does not belong to myself. I never had a joint acct with my husband anywhere. They are refusing to take it off my credit report, this is the first time that I was even aware it was on my report. I have had my report run various times in the past 8 months and it was not until I tried to purchase a house, that they showed up on my report.
THIS IS A NEW COMPLAINT BASED ON Portfolio Recovery Associates LETTER DATED   XXXX   XXXX   XXXX   ATTACHED.
<P/>
Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; My complaint is in addressing the amount of the debt of {$2300.00}. Portfolio Recovery Associates, LLC and the seller Creditor   XXXX   XXXX  , who failed to provide proof of debt, as to the electronic purchase from   XXXX   XXXX   to Portfolio Recovery Associates.
<P/>
Portfolio Recovery Associates, per the attached letter dated   XXXX   XXXX   XXXX   did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
<P/>
Portfolio Recovery Associates, LLC, is perpetrating a fraud which is a violation of the, FAIR DEBT COLLECTION PRACTICES ACT, As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ), section 807. False or misleading representations, ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; Portfolio Recovery Associates, did not prove it paid {$2300.00} to   XXXX   XXXX  , as they failed to provide proof of debt via copy of the electronic purchase from   XXXX   XXXX  . Their letter dated   XXXX   XXXX   XXXX   is ambiguous as it did not provide the copy of the sellers electronic transaction, nor did it contain a copy of the payment made by Portfolio Recovery Associates, LLC, in the amount of {$2300.00}.
On XX/XX/XXXX I sent money in the amount of {$800.00} USD to my friend in XXXX. According to Paypal my recipient should have had the money by XX/XX/XXXX. As of XX/XX/XXXX she has not received the money. I called paypal to authorize release of the funds since I am the sender. They refused to release her the funds saying that since I am not the recipient they could not speak to me about her account. I am the SENDER. I use this service to send cash to friends and family in times of need. Paypal is unnecessarily withholding funds from recipients. 

Transaction ID XXXX
On XX/XX/XXXX I was laid off of my job of twenty two years. I am now unable to receive my XXXX from social security. Because Experian have allowed my history of all my employers to be deleted. 

ExperIan is denying me my credit report, yet they 've given others access to my credit report. Someone had an address on XXXX for Michigan and I have never lived there, nor have I visited there. 
I am a senior citizen and am being denied freedom of information by Experian. This credit agency is violating all of my rights, by also denying me freedom of information. That belongs to me. 

Someone robbed me, XXXX XXXX in XX/XX/XXXX and stole my drivers license and social security card. XXXX XXXX XXXX XXXX XXXX, I 'm denied health care. My health is deteriorating as a result of this credit agency. 
And is pretending to be me. If Experian trace the wage earner courts they will be able to determine it 's me. My payments were payroll deducted by my former employer and paid to the courts. I 've reported all credit agencies to the Supreme Court in the state of Tennessee. Since you feel as though you it 's alright to deprive me of the fair credit act/freedom of information. You 've given my information to others. I 've mailed everything you requested on XX/XX/XXXX. Someone changed the name on loan number that belongs to XXXX XXXX XXXX. The name was changed to XXXX. 

The loan was discharged twice through the courts, once on XX/XX/XXXX and XX/XX/XXXX. I 'm sure the Supreme Court will be interested in this information. If this agency contact XXXX they will learn my identity have been stolen. Social Security also. This agency have allowed people to get houses using my personal information.
Starting XXXX/XXXX/XXXX State-Bridge became my loan servicer for my mortgage account that was previous held with XXXX XXXX XXXX. Since State-Bridge took over I have nothing but problems. 
First, starting with the billing. From the date they became the servicer in XXXX all the way through XXXX of XXXX the billing statement were not correct. It was n't till XXXX of XXXX when the bills became to look normal. At this time, I was informed there was an over payment to the Escrow account and a refund would be issued, payment would decrease. Beginning of XXXX I notice on the billing statements being sent that our LTV ( loan to value ) ratio was showing at 114 %. Still to this day I have yet to get any answer or response to why this is. When I attempted to call State-bridge regarding this they continuously tell me that is what XXXX reported to them. I have a letter from XXXX stating this is not correct. In addition I recently got a notice that my Escrow Analysis have a deficit for the year of XXXX in the amount of XXXX. On XXXX/XXXX/XXXX I spoke to XXXX on a conference call with myself and husband around XXXX est time. We spoke to rep name XXXX, he stated that the shortage was created due Statebridge not having proof that I had homeowner insurance, only later to find out when speaking to XXXX ( sup ) and a conference with their vender that deal with insurance was told no this is not the reasoning for the short fall. 
Going over the statements printed in XXXX my husband and I realized the billing for each statements varies, for example one month there was not any PMI insurance charge and the very next month its double. Also the statement printed XXXX XXXX the change in the mortgage payment was XXXX after an analysis was done it dropped to XXXX ( unsure why the analysis was done mid year ) and a surplus check of XXXX was disbursed back to us. This is the main issue is the billing, and not being able to speak to anyone in the escrow department. You can only reach State-bridge escrow department via email, and no one answer you directly..

I am unsure why the change in the escrow.. I do n't understand how to you get over payments back one year, nothing change in taxes/insurance but yet its a short fall and no one can answer the question. 
State-bridge sup XXXX XXXX refused to send my any writing documentation of the change to my account. He did not know to navigate on their website. No one I have ever talked to at state-bridge gave me the correct information and their supervisor will admit they need more training.
I have an account with citi and while having this account I have been charged late fees since I had the account after numerous of times contacting the XXXX # to have my due date changed and was told that it could n't be changed and asked if the late fees can be waived since my due date could n't be changed this card has ruined my credit and has n't helped me in any way.
My account was discharged in bankruptcy and court ordered that all debts have been paid. Bayview Loan Servicing corrected all information on my credit report per court and lawyer and then when I was in the middle of doing a refi i find that they changed all of the information on my credit report. They now removed all information showing that it was in bankruptcy, They put that my account is 150 days past due, my mortgage payment is {$300.00} higher than the actual amount. I feel that they are doing this constantly to keep me from refinancing to another company. I have contacted a lawyer and am preparing to sue the company. I am highly stressed and distraught over this entire process. They are reporting fictitious and different information every month.
Experian lost millions of identities due to their negligence. It is suggested to have Experian check the so called XXXX XXXX to see is your information was lost. 
Do it! 
You will see that the whole thing is fraud on the part of Experian. 
They find your email in a few places over the past many years and now to fix a problem We can have a free month. 
We must give a credit card number. 
A month later Experian will automatically rip everyone off for the next month and all months till the end of time. 

I have seen this profile on other rip-offs before.
I have been contacted by Monterey Collections claiming I owe a debt for annual maintenance fees for a timeshare unit in XXXX. I timely responded to their initial correspondence requesting proof of debt, including signed documentation proving I am personal liable to pay this debt. 

Such documents do not exist as I am not the original owner and never signed any. I bought this unit in the after market and at that time only assumed the then current year 's maintenance fees which were paid at the time of purchase. 

They have not supplied me as requested any documents showing a legal responsibility to pay this ongoing fees for some undetermined time and have been reporting to the credit bureaus a debt that I do not owe, thus negatively affecting my credit. 

I have disputed the debt twice with the credit bureaus and each time they have sent me as letter which is attached stating : " Please note that per the FDCPA, you had 30 days from the date you were notified by Monterey that your account had been placed with Monterey Collections, to request to dispute this debt. You were notified by Monterey Collections on XXXX/XXXX/2013 and were sent notifications at that time. You failed to request for verification within the necessary time frame. " I have responded to both of these letters that this claim is false and sent them proof in the form of a letter on their company letterhead that is dated within the 30 days of their original collection attempt letter acknowledging my receipt of my request for debt validation ( also please find attached ). Even though I did timely respond, they continue to hid behind this excuse and continue to falsely report this debt. 

This company has ignored my repeated threats to file a complaints which is why I have been forced to finally do so.
XXXX, confirmation number XXXX, is reporting outdated, inaccurate and credit slander information on my report. There are double accounts, address ad current is almost 8 years old, and fraudulent I 'D theft accounts disputed with XXXX directly shown as current. They are Willfully Negligent in reporting and maintaining accurate information. I plan to also contact the California Utilities Commission to file a complaint and the .CA Attorney Generals Office.
Chase Bank refusals to release final disbursement of {$25000.00} +, Insurance Companies held funds after XXXX % construction of insured house was completed. 
This is the second time that I needed to take action against Chase Bank for the same act of refusing the release of funds.
I sent XXXX XXXX at XXXX XXXX Hospital in XXXX, NC copies of my daughter 's Medicaid card for her XXXX XX/XX/XXXX. All the other providers ( aka, the surgeon 's bill ) was covered by Medicaid. Why XXXX XXXX purposely keeps losing my daughter 's Medicaid information is beyond me.
The company JPL Recovery solutions has repeatedly called me at work after I instructed them not to, and they have discussed my debt with our office assistants threatening to garnish my wages, they said they did not know it was a work number even though they have called multiple times with these threats
On Sunday XX/XX/XXXX, I applied for a Chase Sapphire Preferred credit card. This card in particular stood out due to the XXXX point bonus when you spend {$4000.00} or more in three months AS WELL AS a 0 % intro rate for 12 billing cycles. There after it would be 17.99-29.99 % variable. I decided that this was a wonderful option & took the offer. I signed in to my online banking & noticed it stated the apr was 17.99. I was so confused so I called the Chase credit card department. They stated they had no such offer. I told him to go to the website, creditcards.chase.com & the promo would be there. He said it wasn't & to go to the branch to fix the problem. Today, XX/XX/XXXX, I walked into my nearest Chase on XXXX XXXX XXXX in XXXX, CA. She saw the offer I saw & applied for. She immediately got on the phone & tried to correct this for me. The representative she spoke to also said the same thing. They could not see the offer. The branch employee sided with me but said there was nothing in her power to correct this glitch. I am so careful on running my credit. I want the offer I applied for & not this one that was given to me. I feel so mislead & I keep getting the run around. It's not fair that their false advertising that's published is not given to me even though it's on their website.
RE : Confirmation # XXXX I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On XXXX XXXX, 2017, I sent them my dispute letter requesting that they verify all data for the disputed accounts and I 've yet to receive anything of the sort. <P/>Because its been well over 30 days and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the accounts I wrote to them to investigate and verify since XXXX XXXX, 2017. <P/>I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.
The original creditor was XXXX Bank from about 10 years ago. The account was closed and charged off to a collection agency. The collection agency was not XXXX who I am filing the complaint against for submitting false inaccurate information on my credit report. I been disputing this w/all XXXX agencies for sometime now. The Debt Buyer has purchased an old debt that was included in my Chapter XXXX Bankruptcy. I have legal documents that was included in my discharged. I have never had any business with Capitol One Bank since 10 years ago and never will. My Bankruptcy representative made that clear.
XXXX XXXX XXXX {$590.00} It is unlawful to attempt to collect a debt twice There is no contract, no valid claim ... account was settled with original creditor XXXX XXXX XXXX XXXX XXXX   and I called creditor and was informed that your method of verification is often not updated and in error ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow, and remove You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I applied for a Discover credit card that was offering no interest for 21 months, I found the offer on the computer and called the company over the phone and talked to their representative, and went ahead with the offer this was in XX/XX/XXXX, and I should have had zero percent interest till XX/XX/XXXX, now I get my statement and they are charging 23 % after 6 months, I called them XX/XX/XXXX and they now claim I did n't read the fine print about the zero percent was only for transfers and that purchases are to be charged interest after 6 months, THIS IS CLEAR BAIT AND SWITCH, and was not what I was told on the phone when I got the card. How can you let them get away with this??? 
Their must be others they done this to and do I have any recourse as I can not pay this off as I am XXXX and on a fixed income and now STUCK with this high interest rate. 

YOUR HELP WOULD BE GREATLY APRECIATED XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX phone XXXX
I was able to get my report from transunion but when I returned minutes later to get the reports from the other XXXX agencies it said it timed out and that I could n't get either one online.
I had an account with XXXX XXXX but closed the account and XXXX XXXX   sent information to a collection company for un-returned equipment that was later determined to have been returned. When I contacted XXXX XXXX they informed me that they would have the information retracted from the collection company which is named The XXXX XXXXbut the company never made the adjustment. 

In addition, the amount that is listed as owed is XXXX and is NOT an amount that XXXX XXXX listed as being owed. 

XXXX XXXX sent me an email stating that I have a credit of XXXX and one for XXXX. There is no balance on the account with XXXX XXXX and the collection company refuses to make the corrections on either of the 3 credit reporting agencies. 

Please help me to correct this issue and have it removed from all 3 CRAs I am attaching a copy of the correspondence from XXXX XXXX with the above stated information listed.
The bank returned my mortgage payment when there was sufficient funds in the account. 
The fees for returned items ( two times this month ) leave the account without enough money to reprocess the payment, even though there was enough money in the account when the check was processed. 

See XX/XX/17 - XX/XX/17 {$11.00} balance -- - no account minimum.
Writer resided at XXXX XXXX XXXX and upon moving out, keys were returned and expenses satisfied, XX/XX/2013, The apartment complex claimed that I owed a fee of {$500.00} and I didn't know about this until XXXX XXXX notified me as I was in the process of starting rental process with them. Writer phoned XXXX XXXX numerous times to question the unknown fee, manager at the time would hang up on me or simply have secretary refuse to put my calls through to her, since I could not get in touch with with anyone, I satisfied the unknown debt through their payment system in order to secure the new apartment with XXXX, yet XXXX XXXX continues to refuse to remove the negative item from my report. I am not the first person XXXX has done this to, being vindictive.
Nationstar Mortgage purchased my loan and converted it to simple interest. 
They then apply my payment which was made at the beginning of my billing cycle to the last day of my billing cycle, earning the maximum interest on the loan and making it stand still for several years. They change the name of the company to Mr Cooper and change the billing cycle day constantly to continue the fraud.
I emailed Simon 's agency inc asking for a detailed explanation of a bill they have in my name and when/where the charges incurred. I have not heard back from them. They are reporting to credit bureau and I have NOT sent me a letter or any information as to what this is about. I had a lot of problems as a result of a messy divorce and an ex roommate. I am thinking this has something to do with XXXX of those XXXX situations. I came out of treatment for XXXX a few years ago so I had moved to NY temporarily to be treated at XXXX XXXX XXXX XXXX. I have an ID card from the hospital as proof. I would like this removed from my credit right away until I am given the info requested so it can be resolved.
I had a 60 day past due status reported to the credit agencies by Navient, but my XXXX statement and XXXX statement both show no amount past due. My account also has a " 3rd Delinquency Notice '' on XXXX XXXX, but there is no first or second notice. Additionally, since the claim is that I was 60 days past due on my XXXX payment, the fact that it was reported in XXXX makes no sense - it also should have showed up in my XXXX statement which is less than 60 days. I have called and sent in a complaint via their dispute mechanism, but never received a response or resolution.
******THIS IS NOT A DUPLICATE***********THIS IS NOT A DUPLICATE********** I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I have reached out to the credit bureau on more than one occasion to advise of my credit being pulled without my permission. These are the accounts that are unauthorized inquiries : 1. XXXX XXXX   XXXX/XXXX/XXXX 2.XXXXXX/XX/XXXX3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10.XXXX XXXX XXXX/XXXX/XXXX 11. XXXX XXXX 12. XX/XX/XXXX XX/XX/XXXX13.XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX.