WillisBack/dataset-financial-user-claim huggingface dataset:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that TransUnion continues to report on my credit file : Bankruptcy Case ID # XXXX. 
I directly called the third party telephone number that is listed on my report and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. She also told me that there is NO inquiry from TransUnion or mode of verification from XXXX to TransUnion showing on my third party credit file. And she also stated that XXXX DID NOT verify the verification that TransUnion shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that TransUnion so-called " verification '' on XXXX WAS NOT REPORTED BY THEM BECAUSE MY THIRD PARTY CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. 
Thank you
I had a car loan with Santander that default back around XXXX 2011 and the car was repossessed. Santander is claiming the the car was damage but the time they saying it was damage it was n't in my possession. The damages that they said I cause to the car cause for the value of the car to be less then what it should have been and they was n't able to profit from it to the point the they break even and I do n't own any money and also its affecting my insurance rating. when the company they hired to repossess the car it was at XXXX and my car was park in the driveway behind my mother car and they move my mom car and had her car turn side ways in the driveway and on the neighbors grass and also my car was half way in the driveway and on our grass and they had the tow truck on our lawn and even destroyed our lawn also
After graduating college in 1994, I started repaying the student loans but then became unemployed and the loans were put into deferment. However, each year as I have tried to the get payments lowered to an amount that I can afford, Navient continues to say that deferment or forbearance is the only way to manage them. Now I am XXXX and have $ 150K+ loan balance that will never be paid off. When the loans first started they were through a bank and then went to XXXX XXXX and eventually Navient. This company has set out to make it hard for any one who struggles to make any payments. They have change guidelines and rules each time I try to renew the income sensitive repayment plan and end up placing me back on forbearance. There are many like me who would have paid on these loans had they been a manageable payment, but because they were usually 50 % higher than what I could afford, I know have this huge debt hanging over my head that will follow me to my grave. The consolidation they gave was a joke and did nothing to stop the interest accrual.
I sold an item on XXXX which was a digital code for a game I had to send the code through XXXX messaging I received a message saying the person did not make the purchase I thought they were just having second thoughts because I did not deliver the code right away So I double checked by sending them a message to see if they still wanted the code or they wanted a refund and they said they wanted the code So I sent the code and then after I sent the code they say their account is hacked and do not communicate with their account So I call XXXX and explain the whole situation and they end up releasing the money on PayPal to me So a couple of weeks go by and then I get an email from PayPal saying there was a dispute and so I call PayPal about the dispute and I explain what happened and they tell me to appeal the dispute and I did what they said I get the results of the appeal and I somehow loss and the reason was I have no protection for intangible items but under XXXX buyer protection the buyer had no protection to make a complaint on XXXX so the buyer went around XXXX and did it through their bank So I called Paypal the day I got the results and asked why I lost and I explained again what happened and he said he would allow me to appeal again So I called XXXX to let them know what was going on and they said let 's do a 3-way call with Paypal and then when we call PayPal the agent tells me I am not getting an appeal and I will not be getting credited back the XXXX dollars they charged me which is split up by XXXX for the item and XXXX for a chargeback fee So the buyer went around XXXX by going to their bank and I am having to pay for the buyer 's mistake
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The above law firm representing Midland negotiated a settlement with me on a debt obligation being reported to the three credit bureaus as derogatory/delinquent unpaid. 
I agreed to settle with a payment of {$500.00} in XX/XX/2018 in exchange for Midland removing all derogatory reporting to the credit bureaus and listing the account closed/settled. Instead, the took my payment as a " partial '' and list the account as derogatory with unpaid balance of {$410.00}. 
I am senior XXXX ( SSI ) and had the right to have the entire debt retired under federal law but decided to be responsible and hoped Midland was equally honorable and would adhere to the agreement reached via their legal representative. I am attaching a letter from the legal firm confirming this settlement we agreed to and also have a full thread of e-mails proving how this settlement was reached.
I ca n't transfer money out of my discover bank account. Instead, discover allowed a wire transfer to the same account and routing number. 
THe account and routing number is correct but the bank will not let me transfer my cash.
I feel third-party debt collector Midwest Recovery Systems ( MRS ) is currently violating state and federal laws when reporting accounts to the credit bureaus. When MRS purchases old debts from an original creditor they never contact the consumer, neither 30 days prior to reporting it or 30 days after reporting it. They are in the business of reporting fraudulent or erroneous information to the credit bureaus with the intent to deceive consumers for financial gain. MRS has a history of reporting old accounts, outdated accounts, fraudulent accounts and inaccurate accounts to the three major credit bureaus without validation. When reporting these accounts they knowingly report invalidated accounts, inaccurate balances, erroneous open dates ( to re-age accounts ) to keep the accounts on credit reports longer and different address to avoid consumers complaints. Also, when you dispute their claim through the three major credit bureaus, they update your account with a blanket statement that it complies with the FCRA and age the account to include missed payments. 

Currently reported the following : XXXX ( credit report dated XX/XX/2018 ) Account name : XXXX XXXX Original Creditor : XXXX XXXX XXXX Date Opened : XX/XX/2018 Account Status : open Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX ( invalid number ) XXXX ( credit report dated XX/XX/2018 ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX ( credit report dated XX/XX/2018 has no collection account from Midwest Recovery Sys or XXXX ) ( Credit report dated XX/XX/2018 contains the following information ) Account name : Midwest Recovery Systems Original Creditor : XXXX Date Opened : XX/XX/2018 Account Status : closed Status Updated : XX/XX/2018 Bal : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX *MRS did not report to XXXX until XX/XX/2018 after I filed a XXXX complaint on XX/XX/2018. With a balance date or XXXX *MRS flagged my account on XX/XX/2018 as collections, with a balance date of XXXX *Updated XX/XX/2018 as FB ( failed to pay ) As you can see that this company has a habit of providing erroneous and conflicting reports to the different credit bureaus in an attempt to deceive for financial gain. I never opened an account with MRS or XXXX in XX/XX/2018 as they have reported. I find it odd that they never contacted me or sent any correspondence concerning his supposed debt. I also find it disturbing that they would report different information to the bureaus as well as continue to provide misleading and erroneous information while my dispute is being investigated. 

Spoke with XXXX XXXX of MRS XX/XX/2018 and she refused to discuss the supposed debt because I wouldnt provide my social security number or date of birth. I did not feel comfortable providing this information seeing that they have been very deceptive in their practices. 

At this point I feel I have no other option than to hire legal representation to resolve this.
I have a problem again with this company. Since they took over my loan over a year ago they have not once collected an automated payment. I then managed to pay a backlog of payments and a agreed a plan with them however they again failed to auto-draft my payment citing the fact that they would not do this while the account is in arrears. I then sent a cheque to there payment centre that they have not cashed. I now have a foreclosure notice from them and have been try to contact them. Emailing constantly and despite them being received they are now being deleted without being read. I have left message after message by phone and email with their representative without a response. I have the full amount of arrears in my bank account to pay and have continued to ask how I am supposed to pay this if they wont auto draft the money or cash a cheque. Please help as this situation is quite ridiculous. The loan is with ( Loan # XXXX ) I am concerned that they are deliberately trying to foreclose on my property through not collecting my payments. 
Bayview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
XXXX has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
I recieved a call from D2 management regarding a payday loan in which I never received. Was told this was XXXX loan from XXXX XXXX and I informed them that I havent gotten a loan and I ended the phone call
I have pulled my credit to find out there is a repossession of a vehicle linked to my name and personal information. I have never purchased a vehicle and would like this deleted from my credit files immediately. I have contacted the company and was advised I appeared as a consigner to a vehicle and that the car had been repossed. I have no knowledge of this and would demand this be deleted immediately from all my credit files as this information is innacurate and misleading as it 's fraud. I am requesting the company to provide proof and they ca n't provide anything that I opened this account such as id state issued, driver license, passport, social security card and they have none of this on file apparently
on XXXX/XXXX/XXXX, I became aware of the Equifax security breach, and was given incorrect / unhelpful information by the company about whether I was impacted. I now must go through my entire credit history and lock it down to avoid a potential financial disaster. It 's unreasonable that they are allowed to give a token amount of effort as a recourse to their customers - especially those customers that never even knew Equifax had their information.
XXXX   XXXX  ard in   XXXX   XXXX     lists missed payment but I did not miss any. Account is closed and is also too old to be on file on my credit reports.
Chase credit card I have continually reported as a FRAUDULENT/ NO KNOWLEGDR OF account BECAUSE 1. I have no knowledge of opening This account or incurring this debt and 2. They have continually reported the WRONG ADDRESS after I have addressed them Several times about it. I live in a 7 story high rise with over 60 apartments and they have my apartment as listed as XXXX apt XXXX XXXX XXXX XXXX MA with NO LETTER PRIOR TO THE # which includes every apt #.
Apartment number, although Ive reported to all three bureaus my address is to include an Apt XXXX with anything. Ive shown them my ID and repeatedly told them That this is not my account and there would be no way of getting my mail if they had addressed it to XXXX XXXX XXXX XXXX  alone, it would have been set out in the public lobby for anyone to grab. I believe someone else took a pre approved offer or had My info previously and they have opened the account and made it deliquient. Also, none of the phone numbers when I called to check with them have I been associated with. Please Id like this removed from my Credit report as I believe XXXX has already removed it.
dynamic recover solutions.calling me all time of the day even on week ends.threat me a bout taking me to court.this is not my DEB.SOME ONE OPENING UP A ACT IN MY NAME WITH XXXX XXXX PHONE IM MY NAMEI INFORMED THEME THIS IS NOT MY ACT IN 2014 5 YEARS A GO BUT THEY KEEP THREATING ME.
I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.
Guild refusal to release my check to repair my home from water damage along with having my XXXX XXXX XXXX insurance cancel due to not releasing the check in a timely matter my home now have black mold and my floors are bare without carpet both of my master bathroom closet and my master bedroom closet have black mold in spreading in different area of my home. I have made numerous attempts to fix this problem with Guild Mortgage first they told your office they never received the check in XX/XX/XXXX to the fact it has expired must be cash within six months. XXXX XXXX XXXX issued a second check in XX/XX/XXXX which they now have and due not want to release. Guild Mortgage lack of sending my insurance check because I fell behind in my mortgage. Guild Mortgage have try to foreclose on my home and still have not sent this check the water damage happen on XX/XX/XXXX. It is almost a year and my kitchen floor is also coming up. They continue to ask for a contractor bid and what major repair in my home. In the estimate itself a contractor is not needed. The repairs in my home is for me to buy carpet and padding, in two rooms of my house. Buy a new bathroom vanity these items along take measurement and have been done. Closet repair, paint and clean floors. Money to get a dump truck to remove a damage bed, damaged carpet and padding and old tile to be throw out which these items are and have been on my back porch. I do not need a contractor for what is on the list of things to do from XXXX XXXX insurance company. All Guild Mortgage was supposed to do is sign the check and return. Guild Mortgage have been deceptive and continues to be to the point your agency is part of the federal government and I have the documents to prove they received before my first compliant was filed. I ask your office to call XXXX XXXX XXXX XXXX to speak with the office regarding both checks and also if additional repairs was needed in my home I would have gotten additional money but due to Guild Mortgage not releasing the check my home now contain almost a year of mold in my home which my younger daughter had to temporary move out her room suffer the most damage. XXXX XXXX XXXX XXXX, my claim examiner XXXX XXXX can also verify Guild Mortgage is to only sign and return. I file to claim regarding Guild Mortgage withholding my first and second repair check due to massive water damage. As well as stopping my mortgage company to fix my home after the damage to verify this statement XXXX AND XXXX when they stated to your office they never received the check. I am sending today the XXXX XXXX receipt and the copy of the check issued and send to Guild Mortgage before filing an complaint on XX/XX/XXXX is when it was mail to my home and XX/XX/XXXX federal government acknowledgement of false statements given to your office on my behalf. Also, I am sending a copy of the second check that was reissued and mailed on XX/XX/XXXX sent by XXXX as well. Guild Mortgage still have not given me a Loan Modification and requested documents was given
This is affidavit of the truth. My XXXX XXXX XXXX truck was illegally reposed XXXX/XXXX/XXXX from XXXX XXXX XXXX out of XXXX Alabama. This was my deceased husband truck who passed away XXXX/XXXX/XXXX. My XXXX year old daughter inherited my deceased husbands truck when he passed away. In XXXX I received the title and XXXX letters from USAA that truck was paid in full. USAA claims they have no documents on the truck and I have no contract it is a done deal. They stated I have to talk to XXXX and XXXX. They also stated I have a contract with these companies. I have asked for proof and sent XXXX certified and also a XXXX page fax. As of today XXXX/XXXX/XXXX no debt has been proven to me. My vehicle has been stolen from me and I do plan to go forward and sue and what I have learned XXXX companies are involved with this criminal matter. XXXX from XXXX stated they are going to auction my XXXX XXXX XXXX my property who I have the certificate of title and XXXX letters from the bank. This has done an emotional number on myself and my XXXX daughters. I do hope you look in to this and demand the auction to be stopped and my stolen property to be returned ASAP! I have also put a lien on this vehicle as I am the true and only owner. I have also been to the Probate office and they also stated I was the true and only owner per XXXX XXXX. It was also brought to my attention the title was transferred in to my name XXXX XXXX. I find this odd as I had this done when my husband passed away XXXX/XXXX/XXXX he was a veteran served his country and this is the thanks his family receives. I want my stolen property returned tomorrow. I also do n't recall giving permission to these copies to trademark my name or copyright. Please take care of My XXXX XXXX XXXX asap. If Securitisation is illegal under US legislation - primarily because it is fraudulent and causes specific violations of R.I.C.O., usury, Antitrust and bankruptcy laws. And it flies in the face of public policy in numerous ways, as is expounded in extensive detail in an analysis to be published in our journal Economic Intelligence Review XXXX ( XXXX ) with several pages of book, article and case references. 

To begin with, securitisation violates US State usury legislation. Secondly, all 'true-sale ', 'disguised loan ' as well as 'assignment ' securitisations are essentially tax evasion schemes, and the penalties for tax evasion in the United States are excessively severe.
Hi!I'm verified costumer at coinbase .com.I wired $XXXX from my bank to the coinbase platform .i try to buy some coins with my money and they locked my platform .I can;t buy ,sell or withdraw my own money .I e-mail them they send only automated messages .I call them they said they can't override the system ,as i ask them to put my personal information manually and unlock my platform ,and they also send me an automated message ,how to pass the ID quiz as they call .I tried every combination i could think of .So i have no access to my account They don't contact me an no help from them.Another guy recommend you guys who has the same problem and you solved it and hopefully you can help me too!  I'm just a family oriented person who try to invest my XXXX future !Thank you! case id at coinbase; XXXXXXXX
In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Experian then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX Agent XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Experian or any XXXX XXXX XXXX. 
The only clear thing is that the Experian is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Experian. I humbly ask for assistance in having this information deleted from my Credit file at Experian.
I have sent several written requests to this company that is reporting negatively on my credit report. The dates that I have sent to the company is XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have not received any responses from this company. It is having a negative impact on my credit profile.
This company, valentine and kebartas llc, calls me up to 10 times daily from several local and out of state phone numbers, some of them being, XXXX and XXXX. They will never give me any information and demand my name, phone number and other indentifying information. I have called them after hours and discovered they are alledging to be a collection agency for XXXX XXXX. I did cancel an account with XXXX recently and am working through paying the balance as my new provider is paying my fees. XXXX is aware and claims they never sent my information to an outside agency. These people harass me all day and have been told, verbally and in writing, to cease doing so. They refuse.