WillisBack/dataset-financial-user-claim huggingface dataset:
Made complaint about Professional Placement that they were reporting inaccurate information that is negatively impacting my credit score. They admitted they did not possess the documentation to validate the debt and admitted they are knowingly reporting an inaccurate account opening date. They are still reporting the information to the credit bureaus despite knowing that the information can not be validated upon request. PLEASE SEE ATTACHED LETTER
In a previous CFPB case, # XXXX, I disputed incorrect reporting status from Equifax in regards to my XXXX XXXX XXXX XXXX XXXX XXXX. XXXX responded as follows : " Equifax has reviewed the complaint and its records. The balance on the XXXX XXXX XXXX account number XXXX has been updated to reporting a XXXX balance. XXXX XXXX XXXX account number XXXX is currently reporting a XXXX balance for this account. Written confirmation has been sent to you on XXXX/XXXX/16. '' About 30-days later, that information was updated by XXXX XXXX XXXX! Equifax again reports a balance owed and the account in open status.
XXXX XXXX XXXX, XXXX I received a letter from Experian stating that my disputed inquiries were going to be deleted. I reviewed my current Experian Credit Report and the same inquiries Experian stated in the letter that were going to be removed are still reflecting on my Experian Credit Report. 
XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX BANK - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX ( 17 TIMES ) XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.
We have attempted to get a permanent loan modification from Green Tree Servicing for our XXXX mortgage and they have denied us several times, even though we have been on a temporary loan modification for the past several years. They are using an excuse that our loan was originally through XXXX XXXX XXXX XXXX Trust XXXX and XXXX 's the one that denied our loan modification even though all of our payments have been made out to Green Tree and Green Tree is part of the " Making Home Affordable '' program to help people. I tried to contact XXXX but they are out of business. Almost all paperwork since we got the loan has gone through Green Tree. We even went through a government agency to help us with the process and were denied again. We do n't feel this agency knew what they were doing either but that is a whole different story. In XX/XX/XXXX we applied for a modification again and sent over all the paperwork, which is long and involved process. We did not hear back from them until I contacted them in XX/XX/XXXX and they said I have to send over the paperwork again because our pay stubs are outdated now. When I originally sent over all the paperwork everything was current but now they are saying we have to send it again for the 4th time this year! They raised our interest rate to 11.99 % from our previous modification that was at 4 %. Our payment has almost doubled and we can not afford it. We were granted this loan during the time when the banks were over extending people on their houses and we got taken in by this. We have XXXX mortgages on this house and the value of our house is not worth what the XXXX mortgage balance is, let alone what we owe on the XXXX mortgage. Green Tree Servicing people are rude and uncaring. We have made the same payment every month that we have for the last 3 years but since Green Tree raised our interest rate they are now harassing us saying we are late on payments. When I called in to try and work with them regarding them raising our interest rate I told the rep that I can not afford my payment to go up and he yelled at me and said I can afford it, I just choose not to pay it! I have never been spoken to like that by any other company I have dealt with. I feel like they have our loan information incorrect. We have gotten correspondence that contradicts what they tell us on previous correspondence. They send me letters with my account rep 's first name and extension listed but when you call they to speak to them directly you can not dial an extension and the rude people that answer the phone wo n't put you through to your account rep. One time I called and they told me my rep moved departments but then I found out from another person that the rep does n't work for them anymore. Then a month later I received a collection letter with that same rep 's name and extension. Obviously Green Tree is not correct with our information and our loan.
On XXXX XXXX, 2015, I attempted to submit a dispute regarding XXXX items on my TransUnion credit report : XXXX for XXXX Bank and the other for XXXX. I made it all the way to the uploading supporting documents for my dispute and hitting the " submit '' button, but at that time, I received a notice that TranUnion can not process my dispute online and that they would mail me information on how to complete my dispute via regular postal mail because my dispute required a " manual review. " I have made countless complaints against TransUnion and their practices, and as such, they have had me assigned to a " special handling unit '' each and every time I call. In other words, because I am exercising my right to complain about them, they are now retaliating against me by slowing down the dispute process and forcing me to submit my entire dispute by postal mail. 

This would n't be a problem ; however, in addition to their retaliation against me, this also slows down the dispute process and continues to negatively impact my credit file and credit score, as a result of mail time and manual processing, which is a complete lie on their part. 

There is no good reason why I can not have my dispute processed online like everyone else. TransUnion is directly retaliating against me because of the numerous complaints I 've made against them over the years, which now has boiled down to negative, inaccurate information remaining on my credit report.
Original loan was created by us Dept of Education on XX/XX/XXXX. I filed for Chapter XX/XX/XXXX. At some point during the Chapter XXXX my loan was transferred to Fedloan Servicing. My Chapter XXXX was fully discharged XX/XX/XXXX with all debts satisfied. Fedloan shows that I owe them {$870.00} on the loan and the court shows paid in full. Payments from the court were paid to US Dept of Education. When I spoke with a rep from Fedloan Servicing, I was informed that it was not their fault the payments were sent to US Dept of Education and they were not recovered to them and it was not their responsibility to research this matter and that I pay it or it will go into default. My credit report shows the original loan from US Dept of Education was rendered and that it is closed. Fedloan Servicing shows the original loan amount and dates as US Dept of Education but the account is past due. I have disputed this with the credit bureaus with no success. This is also preventing me from rebuilding my credit.
I reported this before & never got a reply. XXXX XXXX verbally agreed to let me make payments. I made all but {$35.00}. I never got a receipt for any payments made nor was I contacted about the remaining balance. I was told it would be removed from my credit if I made payments. Instead they garnished my wages for {$35.00} plus fees. It was never removed from my report & now shows I was in collections for the full amount negatively affecting my credit. They were in breach of a verbal agreement & I would like it corrected immediately.
On XX/XX/XXXX I used Western Union ( WU ) money transfer services at XXXX, XXXX XXXX XXXX, XXXX, MD XXXX to transfer XXXX XXXX, XXXX XXXX dollars ( {$1200.00} ) to XXXX XXXX, my brother in XXXX. 

Due to XXXX holiday festivities in XXXX ( XXXX ) and local WU agent/vendor systems ' lack of connectivity XXXX couldn't immediately receive the transfer. When businesses reopened on Tuesday XX/XX/XXXX I got a text at about XXXXET from WU that XXXX picked up the money, but the person wasn't my brother so I immediately informed WU that someone else fraudulently received the transfer. WU sent a canned email to wait for a 20-day investigation. 

After 4 weeks I got letter that I won't be reimbursed. A copy of the investigative report which I had asked for copies in my interactions with WU on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX wasn't included. It became apparent that WU didn't care- not committed to resolving my case- probably because they have the resources to hire the best PR/legal minds available. 

In frustration due to contemptuous treatment and blatant stonewalling, I emailed WU 's CEO, XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX, an Executive Resolutions Specialist replied stating that the case is open. She emailed on XX/XX/XXXX that the money was paid to my brother. I replied/asked for the investigation and on XX/XX/XXXX she stated that she won't release it to me because of consumer privacy issues - but I'm the consumer who lost {$1200.00}. 

She said I share these information with local law enforcement for a subpoena request of their investigation to be sent to : XXXX or mailed to XXXX XXXX XXXX XXXX XXXX XXXX, Attn : Custodian of Records, XXXX XXXX XXXX XXXX, XXXX, XXXX, CO XXXX quoting fraud file # : XXXX. 

The XXXX Police Department said they dont have the power to subpoena for information so I contacted the Marylands Department of Labor, Licensing and Regulations ( DLLR ) who subpoenaed WU. DLLR sent me those documents sent by WU, and I respectfully disagree with WU 's conclusion of which DLLR accepted. Based on the documents provided, WU paid the money to someone whose face and signature I don't know. The issue that WU doesn't want to acknowledge is that either hackers or their vendors are sharing money transfer details with others - so scammers took on my brother 's identity and had all the money transfer details to fraudulently claim my money. Unfortunately, I'm not the only one and WU doesn't want to acknowledge that their vendors and/or hackers are stealing customers ' money transfer. 

Please is there anything your office could do to help me recover my {$1200.00}? I'd be eternally grateful for your help I state unequivocally that XXXX and I are the only 2 people who knew about the transaction. I re-affirm that he didn't make the withdrawal - he was nowhere near the place the money was collected. This {$1200.00} is my hard-earned money and WU needs to refund me. It's lapses in their supply-chain that caused this theft. WU reneged on their duty of care and trust
TransUnion will not report my perfect payment history of my XXXX home loan # XXXX, according to XXXX XXXX of XXXX, until a mysterious TRANSUNION employee named " XXXX '' refuses to let XXXX reinstate my home loan trade line on TRANSUNION until I sign a letter she will write for me, then I will return this letter to XXXX and they will forward it to TRANSUNION and then and only then will TRANSUNION allow my perfect payment history to show on my credit report. 
I have called TransUnion many times since XXXX XXXX of XXXX told me this story last week. I was not given a letter to sign. I wrote my own letter begging to have my home loan reporting correction on my credit report and I posted this on twitter via private direct message to both XXXX and TRANSUNION. 
Please help me and my autistic son. We are ruined financially until the correct and true information shows on my credit report. I do n't know if there is a XXXX. Both XXXX and TransUnion have refused to give me any information about her. She has not made any notes on my file that will help us find her. If she exists, she is holding my credit score hostage. If she does not exist, XXXX is making serious false accusations.
XXXX XXXX XXXX is the second mortgage on my property. The first mortgage, XXXX XXXX, has agreed to a short payoff settlement. But, XXXX XXXX XXXX has not responded with a short payoff letter so that I can move forward to refinance my property. 

I have been negotiating with XXXX since XX/XX/2018. Three months later there has been no response. I had to file bankruptcy to keep from the property being sold at a foreclosure auction. I do have refinance money in place. The mortgage company has offered XXXX {$70000.00} as a short payoff amount but the representatives have not responded almost three ( 3 ) months later. 

I need this resolved soon or the bankruptcy will not continue to give me extensions.
***I used this category because your website only allows certain types of problems to be reported*** My Loan Rehab Program is being serviced by Alltran Education. I agreed ( by phone ) to become enrolled in the rehab program for my debt some months ago. I gave them my banking information, and was told a loan rehabilitation agreement was being sent for my signature, to be returned to them. After three {$300.00} payment had been made by automatic debit, without a written, signed contract, I received a call on XX/XX/18 at XXXX, where their representative indicated that I had not sent back said agreement ( I never received one ). I asked when it was sent, and they could not tell me. I told them to send it again, as their own management doesn't seem to have any control over what's being done, and as they never even recorded it being sent in the first place. I call them on XX/XX/18 at XXXX to ask if it had been sent. They said it had been sent on XX/XX/18. Not having received said agreement, I call twice on XX/XX/18 to verify it had indeed been sent, and was told by a representative and a supervisor that it had been sent on XX/XX/18. I have not received this contract yet, 13 days " in the mail '' so far. In the meantime, I see from DOE correspondence that the three payments made as of this date have not been recorded on DOE files or systems. I recently sent proof that these payments are being made, but I don't know if the DOE is recording them properly. I have asked that a case worker be assigned my file to monitor compliance of this contracted debt collecting company. I ask this again, as I can not trust the loan service company to be either honest or honorable. I need these payments to be recorded promptly, as I am seeking to apply to the loan forgiveness program after the mandatory 9 payments have been made on time - three have been made on time so far. I wish I could trust the DOE and Alltran to do the right thing, but I can't, so I'm asking for some attention to this matter. Thank you
Transunion and XXXX have failed to respond to my written disputes within 30 days per FCRA 611 ( A ) ( 1 ). There is an inaccurate bankruptcy type and docket dates reporting on my credit reporting. I have written Standardized 605 ( B ) affidavits of truth of facts and FTC report because my social security number is also reporting incomplete which does not comply with the Fair Credit Reporting Act 609 ( a ) ( 1 ), by not  reporting my social security number entirely which is not reporting 100 % accurate information as required by FCRA 609 ( which is why the bankruptcy has been removed from XXXX XXXX and XXXX ).

FCRA 609 ( a ) ( 1 ) ( a ) requires XXXX and TransUnion to provide ALL INFORMATION on my credit file per my request clearly and accurately. Neither has provided me with the method of verification in which they used to verify this inaccurate reporting as Section 611 ( a ) ( 6 ) and ( 7 ) providing me with the name of the courthouse, persons name they verified the dispute with, address, telephone number, and DOCUMENTATION USED TO VERIFY THE DISPUTE. 
So I disputed with the furnishers name and address listed on my credit report under the furnisher rule 660.4 ( e ) with the bankruptcy court listed and the courthouse responded on companys letter head that neither TransUnion or XXXX  has contacted it and that is did not report or provide this information to no credit bureaus. Responsibilities of Furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] requires complete and accurate information to be reported.
My identity was stolen and a lot of accounts were taken out in name including student loans. Please help me to rectify these fraudulent accounts : Dept. of Education/XXXX in XX/XX/XXXX for {$68000.00}. Ive constantly called them to setup payments to avoid it dragging my credit down any further. This is not my account!! Other accounts are as follows : XXXX XXXX XXXX XX/XX/XXXX Balance : {$1100.00}. 
XXXX  XXXX/XXXX  XXXX  XX/XX/XXXX Balance : unknown XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX credit limit : {$2000.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Item is being reported to my credit report without permissible purpose. I requested that the reporting agency and creditor provento me that the account is mine, such as any document bearing my signature that I consented to commerce with their company. Despite failure to show any substantiating documents proving my ownership of this account, and my non-consent to XXXX, the creporting agency has adjudicated the claim to keep the negative item on my credit report.
I received today an updated TransUnion credit report. There is an account that is showing as adverse ... XXXX  ... .this account was never paid late back in XX/XX/2013. I have contacted the creditor personally a few times and it has been agreed that the account will be corrected and put on my credit report as a satisfactory account that is paid as agreed. They put the status as paid as agreed but yet listed it as an adverse account which is affecting my credit score. XXXX has corrected the issue as of date. TransUnion will not correct my credit report.
I never received a letter reflecting that i owed anything to this company. I settled and paid 50 % to get it off my credit report. But they said they would not delete the item.
i have so many credit inquiries on my reports that i do n't even know these companies. plus i have a collection account from XXXX that is banned from fdca. i have called all XXXX credit reporting agencies and got no where. sometimes ever very rude. i hope you can help
I have had a credit card account with CITI for years and have been paying on it ever since and on time an paying it down. My account was closed in XX/XX/2011, but I have always been able to pay this account on line since that time. The account always shows up as the typical credit card web site with total amount due, your payment history, payment due, and when it is due. You can also go back and see any pending or applied payments, just as with other cards. Every month during the same time I pay this card and pay over the amount due. I must also add that over the years this amount due has change and in the last 2 years they increasingly have lowered the payment. Regardless, I pay and have been successfully paying it down. I can always check to see that at that moment my payment is pending and eventually it shows up as paid. My account works like this even though it says closed. I also receive the usual paper information in the mail each month with the same details and additional information like account finance interest rates and fees. No other details were on my paper information about any problems. I have received no notices or anything by email. This month when I go into pay, which was today, the account shows only one simple statement, Account alert : this account is closed. For inquiries, call XXXX. Unlink this account from my User ID. When I call the number it is a card activation line and it says account closed. When I click the Unlink this account from my User ID and it goes to a page and it just shows We Cant Find This Page ( 404 ). I tried talking with an  account manager on line where it shows you that it can and she or he said clear my browser. I did and it did not work. I still could not see my account information or find it. Next I called the company at the customer number they give and talked with several people who just kept telling me the account was closed and that is why it does not show up. I said that it just a bull excuse because I have been using the site as normal for years and it always shows all of my account information. They suggest I call the payment in and I said that will not work. I kept arguing with them getting no place and so I kept asking for mangers. I have talked with the last one and they dont know what to do. I pretty much know what I think is really going on and that is they have tried for years to get me to pay this account off or agree to increase my interest rate by scam games. Currently, I pay 6.74 % and over the years they have tried to trick me into paying 15 %, 19 % and I assume now even more. I made my contract them on my lower rate years ago as a fixed rate. I can only assume this is another attempt to force me into paying more or paying the account off. The simple fact is they can not provide me with any reason as to why I could for years pay online like everyone else does and now all of a sudden out of the clear blue I cant when my account has always been in good standing since XX/XX/2011.
Western Shamrock failed to provide me a " Right to Cure '' and this account is still being reported to credit bureaus although it is involved in litigation. They continue to friviously report in retaliation against me to all 3 credit companies although this account is involved in pending litigation.
This relates to XXXX with Barclay 's Bank. The charge in question in in litigation. Therefore still in dispute. Yet the bank that did little to dispute the charge is fraudulently reporting this to credit people as past due. The merchant ordered the wrong equipment and is not man enough to admit their mistake. XXXX ordering materials was new in his job and likely did not know there were two different model GPS units available for the vehicle. I do not pay for wrong materials. Stonewalling this complaint with the same bank blind eye does not make it right. 

XXXX XXXX
The company SANTANDER continued to request payment for the Acura they had in their possession. They took the car and charged collection as though I still owned it. This is theft. Please advise.
I went to college in   XXXX   for 3 months and was charged over {$15000.00}. I am now  XXXX  and will neverbe able to work again. {$15000.00} is an extremely HIGH amount to be charged for 3 months especially since I returned absolutely everything to the school when I became  XXXX . Please help me.
I was added as an authorized user on a XXXX Secured Credit Card without my permission. I am not legally liable for this card. Closed on XX/XX/2017.
Keep getting a phone call from an area code that is local to the number I have. They say that they have to talk to me about collecting I debt. I have no debts that would be calling this way. I have done research and this particular company is known to be shady, putting things on your credit and stealing money.