WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) XX/XX/2016, hard inquiry listed on credit report without knowledge ( XXXX XXXX ) I checked my credit report and did not give my permission for hard inquires from any of these companies
Transunion and XXXX is currently reporting 2 collection accounts that i have no knowledge of. I was never given a DV from either company and they are incorrectly reporting on my credit file. 

XXXX XXXX - i disputed this account with the CFPB and the company also stated that they have no accounts reported. but its being reported by Transunion ( doc attached XXXX XXXX XXXX - also is another collection being reported and i have no knowledge of and was not given a DV
When I changed Chase credit payment ( always in full ) from monthly check to automatic bank withdrawal, Chase changed autopay settings from full payment to minimum payment. Although I was advised in writing in the consumer advice accompanying the card that this change is automatic, I never read it -- my fault not to read the voluminous fine print. Interest charges accumulated for a few days until I realized this had happened, changed payment details to full payment and persuaded Chase to refund the interest ( {$190.00} ) which they did. So far so good. But Chase reckoned somehow that there was a residual in the second month and, despite having been paid in full on time, Chase assessed a second interest charge ( {$140.00} ) on XX/XX/2016. This charge did not appear on a statement until XX/XX/XXXX and I did not notice it until XX/XX/XXXX. My argument to 2 different supervisors that, having refunded the first payment Chase should also refund the second, was rejected because they claim the 90-day interval ( XX/XX/XXXX from assessment to XX/XX/XXXX ) had elapsed. I claim that the interval should begin on XX/XX/XXXX when I was first notified, unsuspecting that there would be any late charges because all payments after XX/XX/XXXX were made in full on time. Chase expressed sympathy and I believe would have refunded but for the way they calculated 90 days. They refused refused to reconsider, we did not reach agreement and we left the matter unresolved, except they have the money.
There is an account ( XXXX ) listed on my consumer report as a derogatory account, that has been closed for 8 years, and all XXXX agencies refuse to delete the account.
I previously submitted a complaint to CFPB. While the company did respond, the response did not offer any resolution XXXX XXXX. The details of this complaint are presented in the attached documentation. We agreed on a Deed-in-Lieu and the company wrongly claimed that we withdrew from the program. I would like the company to reopen my approve Deed-In-Lieu and allow me to proceed.
I 'm writing this complaint regarding my Membership Rewards Program from XXXX XXXX. I applied XXXX XXXX XXXX card last XXXX and keep doing normal spending on it. When applying the card it shows spend {$3000.00} and receive XXXX Membership Rewards points. I spent {$2800.00} on my XXXX. Statement and {$4900.00} on my XXXX. Statement which was far exceeded {$3000.00} spend requirement. So when I trying to transfer XXXX points from my Membership Rewards account ( Which I have XXXX Reward points in my account ) to my XXXX account it noticed me I ca n't do that because my spending is under their review to make sure all my spending are eligible. I definitely ca n't accept that so I contacted them via online chat, email and phone but they ca n't provide a workable solution. Since I need the points ASAP I have to file a complaint here.
XXXX FAILED TO REMOVE ALL HARD INQUIRIES FROM TRANSUNION AS PROMISED. THE INQUIRY WAS INVALID BECAUSE OF FRAUD ALERT.
I am not aware of these accounts. Furthermore, Transworld has never sent me any bills or notices to my house so that I could dispute them.
I was haggled into a " sampler package '' of a time share with the tactic of being 0 % APR for the first six months on this credit card. This was after almost two hours of high pressure tactics. It was not only afterward that I regretted it but very much so a month later learning this purchase was at 18.99 % the bank informed me. They gave me a run around to get it fixed and it still is n't fixed. The first gentleman I talked to I vented my extreme frustrations on with learning about how I was scammed a second time. He told me to call XXXX XXXX and if they did n't work with me, he 'll submit the dispute. The second time I called with my Financial Advisor I learned they are partners with XXXX XXXX and sent my information to their customer care of whom can only be contacted by fax. I am completely unsatisfied with XXXX XXXX. I do not want this credit card. I do not want this purchase that was made on this credit card. My next step is to put a complaint against XXXX XXXX XXXX. The money lost below is not including the interest. I have not paid yet but so I do n't mess my credit up I will have to. I am going to fight my best to get out of this scam.
I am formally writing this letter of complaint to you in regard to Transunion Credit Bureau. 

Transunion has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : ( account # XXXX  ) in the amount of {$570.00} and ( account # XXXX  ) in the amount of {$570.00} Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Transunion in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Transunions failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Transunion that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Transunion immediately delete the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored.

Note : This CFPB complaint is solely directed to Transunion Credit Bureau. 

Thank you.
Nationwide has wrongly reported my name to the Credit Bureau on behalf of XXXX XXXX XXXX XXXX. Whenever, I called XXXX, they tell me to call Nationwide Collection Agency for details. But when I contact Nationwide, Manager XXXX XXXX stated that XXXX owned my accounts. I strongly believe that they are falsely tried to collect debts that are outdated. Nationwide recently sent charges from XX/XX/2012 and XX/XX/XXXX for {$2000.00} to XXXX. That 's Wrong! I do have Medicare.
We had an issue of a plumber breaking a pipe and flooding our home..the new plumber did not get a permit or have his work inspected.when we had a city and state inspection done there were many things he did out of code he received a fine but we have had XXXX plumberso in the home to correct his mistakes and have not lived in the home for 1 and 1/ 2 years I informed the mortgage company and had to miss 3 payments since that time I have been deny the opportunity to pay the next 3 months every month I have been told I can not make any monthly payment just the entire am trying or nothing and of course the bill gets higher.. 

XXXX
My XX/XX/XXXX house payment went up {$900.00} without my prior knowledge. Literally the day before I was set to make the payment, XX/XX/XXXX, my husband got an automated call about the account, although, nothing specific was stated. 5 days after the payment is technically due. Turns out the escrow account was empty because Nationstar gave us back the money in the escrow account and lowered the payment by {$400.00} one year ago. After doing their escrow analysis in XX/XX/XXXX,  which was n't much of an analysis, considering we had lived in the house 9 months, they did n't take into account the fact that it was a new purchase and the taxes were going to increase. I had already paid the supplemental tax in XX/XX/XXXX of over {$4000.00}. If I had any clue that it was a mistake I would have called but I thought that perhaps they had collected too much when we closed our loan in XX/XX/XXXX because so much money is taken from you, honestly. Nationstar ended up paying the increased taxes ( {$5900.00} split ) in XX/XX/XXXX and XX/XX/XXXX but did n't tell me that the escrow account was severely depleted. Now I have to borrow the money to replenish that escrow account otherwise the new payment would be a burden. Any time they could have told me. I realize I could have looked at the statements but everything is done online and it 's very user friendly, very simple to pay without looking at the statement. I had no reason to believe I needed to double check anything. No one called, no one emailed, there were no alerts on the account. Also when I spoke to them over a week ago they told me they were going to send it to an escrow research dept. I just spoke with them and there 's no record of that. What kind of way to do business is this? I did n't know, but they should have known and could have been, at the very least, courteous enough to let us know, instead of dropping it on us like a XXXX. Badly done Nationstar or XXXX XXXX.
I 've been battling with Wells Fargo Bank since XX/XX/2016, pertaining to a Home Equity Line of Credit. This account was mishandled by Wells Fargo Bank, subsequently Wells Fargo Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however Wells Fargo Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost one year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and XXXX have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. Wells Fargo Bank 's callous disregard for providing accurate information to XXXX   and XXXX is truly egregious and XXXX and XXXX  's unwillingness to correct and/or remove the false information from our credit reports has been extremely frustrating.
We ended our lease with notice because of an attempted child napping by XXXX Ex Husband. Case # XXXX XXXX police provided panic buttons to us and the leasing office people. We had to stay for court and convict XXXX XXXX XXXX before we were free to leave the area. We decided to return to Oklahoma XXXX area. XXXX had a VPO in force against XXXX XXXX. 
XXXX and I decided to try buying instead of renting and were shocked to find XXXX had placed information on our credit reports that is FALSE, claiming we owe {$5900.00}!! There are XXXX Collection agencies putting false information on our reports so it is on 2 times!! The XXXX collectors are actually the same. They WERE XXXX XXXX XXXX and changed to Fair Collections and Outsourcing " FCO '' or XXXX XXXX XXXX. When FCO was contacted by the XXXX XXXX they added XXXX as a collector for XXXX XXXX because their address is here in Oklahoma XXXX. I have contacted XXXX XXXX and disputed the debt but the creditor shows the lease. Fact is, XXXX XXXX never returned out deposit!! So, they owe us {$1300.00} plus interest!!
I receive multiple phone calls a day from Franklin Collection Services attempting to collect a debt from a XXXX XXXX. I have no idea who this person is and each time I ask to have my number removed from their call list. I am told that they are removing my number each time, but just receive phone calls from a different number the next time.
I feel like I am at a disadvantage against Ad Astra. I have explained my self in debth and requested they stop their aggressive and annoying methods of contacting me and yet they refuse to hear me out. This account should be deleted from my credit report. they are making me reach un realistic means to proof myself to them while i sit back and allow them to pretend that they are a legitimate business and that they care about the oidenty theft i endured. I have asked them to remove this account from my credit report, not so much because of their obviously ILLEGAL tactics of trying to obtain a debt from me, but because etches was not a loan that I EVER requested nor are there any items of proof or any evidence or ANY investigation for that matter. I am very offended and afraid of this company. They had been calling and calling my cell phone and home phone at all hours of the day and when I bought my concerns here to this portal they denied EVERYTHINg and claimed that it never happened and then they proceeded to pretend like they cared about me and the fraud that wa done to me and that they sent me numerous pamphlets and paperwork to followup and go to the police station and have NOTORIZED! Who are these people! I have to bend over backwards to prove myself? I ams so offended by these people, I am so afraid of these people. I have asked them in the past to leave me alone and they have not. Then they tried to act like they were good people when I brought my fears here to your CFPB portal. I think that they are fake and liars. I have read MANY traumatizing stories about this company and someone had blogged about coming to this portal and filing complaints and stopping the,. But they continue to send me voice messages. They even spoke to my mother and discussed the " debt that I was Scheuled to pay ''. I have NEVER schedule any payments with them. I am certain that this was not lawful. Most importantly, who is going to investigate their usage of robotic voice calling? I have relied those annoying calls. I WIL Not submit to these people. they expect me to go to hell and back to prove myself yet they can not follow the law themselves and prove anything back to me! All they have hurtfully done is repeatedly defended their " clients '' who ever that may be against me and I feel ABSOLUTELY HELPLESS AND HURT! What are my options? I will not deal with them anymore. They are deceitful and XXXX!
I work for the government and was part of the computer hacking that happened there. I was notified by office of personal management that all my info including fingerprints were hacked. I do not look at my bank accounts often and it only came to my attention when my debit card was declined.Then I realized several payday loans were opened under my name and my bank accounts were emptied I filed fraudulent charges with   XXXX   XXXX   XXXX   approx. 20 times and my debit card was canceled and reissued 4 times including canceled once by the bank when a person claiming to be me called for information. I have done everything that the government instructed me to do including submitting a fraud report to the FTC and the IRS. I also mailed letters to all payday loans that were taken out in my name. Prior to this I had a  XXXX  credit rating this brought it down to about  XXXX  and it is slowly going back ( now  XXXX  ) I do not owe this money and do not feel I should pay this. If my credit report is looked at I have an excellent history of repayment. Only blemishes are during this short period when my info was stolen. I currently have a protection service monitoring my information and have a fraud alert placed on my bank accounts. Someone attempted to file my income taxes electronically. Even my paypal account was hacked into.
hippa cra violation never late and showing inquires that are not mine sent police report enclosed are hippa and cra violation honda included with showing a late everything i sent to everyone XXXX breach has cost me my life
Each year Ditech pays my FLOOD insurance from my escrow. My FLOOD is paid by ME personally each year ( from inception of flood policy ) & has NEVER been a part of my mortgage. My Flood ins refunds me MY annual payment & I repay it BACK TO mortage escrow. My escrow does n't show I paid it & DiTech wants to raise my monthly mortgage payment & pay " shortage '' + when they were NEVER AUTORIZED to pay my flood insurance. I AM " NOT REQUIRED '' TO CARRY FLOOD INS. IN MY AREA. I call, I write, I email, I fax, to NO AVAIL for a response to my issue & get them to stop paying my flood insurance. This goes on for months, I pay the shortage ( s ) & monthly payments STILL GO UP. THIS IS AN ANNUAL EVENT almost from inception.
I claimed a chapter XXXX bankruptcy in 2008 and it was discharged with {$0.00} balance and I have disputed it with both credit agencies and it still will not come off my credit report..The local bankruptcy department had told me to file a complaint with you to get it taken off my trans union and XXXX reports.
I had XXXX accounts with the debt collecting agency called BYL collection services I paid the debts in full and the collection pay status was satisfied. I asked the agency that once the accounts are satisfied can they remove the debts off of my credit report due to the fact that these debts are causing hardship to my life I am not able to apply for a loan without high interest rates or if I apply to rent a apartment or open a credit card I receive negative feedback due to a debt that I paid. The agency state they can report the debt as paid and show a ) balance but they will not contact the XXXX credit bureaus to remove from my credit report.
I have made numerous attempts to TransUnion to have the account XXXX XXXX XXXX ( account # XXXX ) removed from my credit report, and each time, I have been informed, this account has been verified, and there is no change to my report, in other words, the negative information will remain. I have also made numerous attempts to contact XXXX XXXX XXXX ( certified return receipt XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX class mail and telephonically ), and I have yet to receive any response in any form of communication from this company. I find it remarkable, TransUnion is able to gain verifiable, satisfactory and legal communication with XXXX XXXX XXXX, and I the person they claim has the debt, can not. 
According to the Federal Credit Reporting Act, TransUnion has a responsibility to report accurate information. It has been and continues to be my position that TransUnion is reporting inaccurate information. I have also sent you ( TransUnion ) several letters ( certified return receipt, first class mail and facsimile ) asking for your methods of verification and you have failed to respond. 
According to paperwork received from XXXX XXXX XXXX XXXX account # XXXX XXXX they are a debt collection agency, who purchased the account from XXXX XXXX XXXX the original owner of the debt ). Based on my TU credit report, XXXX XXXX is no longer reporting the debt because I did not owe the debt, and the delinquency date had expired, however TU has allowed the collection agency to continue reporting the debt and the debt has become extended passed the original delinquency date. 
I have also written via XXXX class mail, certified receipts ( which I can provide tracking numbers and signatures upon request ), and facsimile, asking TU to provide me with their method of validation, to which I have received no response. 
I would like TransUnion to discontinue reporting erroneous information on my credit report, and remove the account XXXX XXXX XXXX immediately. I would also would like to know their method of verification as outlined in the attached letters. I am attaching XXXX XXXX XXXX XXXX letters XXXX of which were received by TransUnion.
In XXXX, XXXX XXXX XXXX XXXX purchased the property located at XXXX XXXX XXXX, XXXX XXXX, OH XXXX. In XXXX, XXXX refinanced the property for {$92000.00} with XXXX, a Delaware corporation. The payments were {$950.00} per month beginning XXXX XXXX through XXXX XXXX for 24 months {$24000.00} plusXXXX XXXX, XXXX thru XXXX XXXX, XXXX for 60 months XXXX equals {$79.00}, XXXX. 
$ XXXX $ XXXX {$12.00}, XXXX. 
Since XXXX XXXX, XXXX and son XXXX have attempted to get the loan modified with XXXX. On XXXX XXXX, XXXX, XXXX filed foreclosure on the property in the XXXX XXXX under Case number XXXX XXXX XXXX. Count XXXX of the complaint alleges that {$82000.00} is owed on the property, when, in fact, only {$12.00}, XXXXXXXXis owed. I believe that XXXX is committing fraud.
XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX  Account Number : XXXX Dates : XX/XX/XXXX I've disputed this account over and over saying it is not my account and requesting that they provide me proof or remove it. 

XXXX XXXX XXXX XXXX Account Number : XXXX Dates : XX/XX/XXXX This account was never late. I've have disputed this with this company time and time again. Now this account has been paid off completely and it is still showing up negatively on my report. This is not fair.
On XXXX XXXX, XXXX a check in the amount of XXXX was mailed to Home Depot. However, I continued to get phone calls regarding non-payment on the account. I explained on multiple occasions that I had mailed a check on XXXX XXXX. After continued calls, I faxed a copy of the check to Home Depot offices. On this copy, I stated all pertinent information such as date mailed and account number, my name, address, and phone number. The calls continued! On XXXX XXXX or XXXX, I called and asked to speak to a supervisor to try to explain the situation ( check sent but not posted or cashed ). The supervisor said he could stop the ( harassing ) phone calls for 4 days. On Saturday, XXXX XXXX, I began to receive phone calls again regarding this account. At this time, I decided ( it was also recommended by the Home Depot representative ) it would be best to put a stop payment on the check and have a new one issued. On Monday, XXXX XXXX, I did have a stop payment issued in order to send a new check in the event that the first really was lost. Upon calling to get an accurate mailing address, I am advised by the robot that I have a balance of {$0.00}. Again, I ask to speak to a supervisor and I was informed that the check was posted to my account on the XXXX of XXXX. Why was I receiving calls as late as the XXXX? Although the check was posted, it had not been deposited. Upon deposit the check could no longer be honored as stop payment had been requested. A new check was sent immediately. As a consequence, Home Depot has reported me as being over 30 days late in payment. All attempts to rectify this with Home Depot and correct the credit report has been in vain. Furthermore, My account balance is now XXXX dollars and change with no further charges having been made.