WillisBack/dataset-financial-user-claim huggingface dataset:
After several attempts to communicate with Transunion via CFPB portal they have failed to provide me with any viable evidence bearing my signature showing the public records with my name and social on it.     Upon further investigation, I have retained new copies of my credit reports and noticed that you have overlapping dates along with the public record being removed from my file and then reinserted back. These errors have been reporting monthly resulting in credit denials due to the deformation to my file on behalf of Transunion. The said bankruptcy records are listed entirely inaccurate and represents a very serious error in your reporting.     I am maintaining careful records of this last communication with you before this matter is escalated to FTC and the Attorney General 's office that you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.     I further remind y  ou that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of Furnishers of information to consumer reporting agencies { 15 U.S.C. 1681s-2 } : ( 3 ) Duty to provide notice to dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
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As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you much now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company.
<P/>  Please see the attachments from   XXXX   XXXX   with my request honored to block my file as  of   XXXX   XXXX  .  You will also find documents from  XXXX   XXXX  showing the public records were removed from my file and then reinserted back to my file. You will also find a letter from the United States Bankruptcy  Court   XXXX   XXXX   of Georgia stating they DO NOT REPORT TO any credit   agencies. You will also find my Transunion Credit report reflecting how Transunion is reporting errors on my file.  <P/> I spoke with several people at Transunion  XXXX  the Supervisor who has stated they do not have any supporting documents to maintain the public records but they are not going to remove this error. I have found that Transunion will continue to break the law and violate consumers so I am now filing this formal complaint in efforts to reinforce proper actions.
On XX/XX/16 I tried submitting a purchase protection claim for my Chase credit card through their website eclaimsline.com. At the very end of the process you are required to provide a phone number to get a text - a feature that repeatedly failed to work. I then proceeded to try to use their contact form at https : //www.eclaimsline.com/XXXX and after filling out all of the information it also returned a message that an error occured please try again. 

I feel that this website is so shoddily constructed with every error requiring the customer to complete the process over and over again that it is specifically designed to discourage people from filing claims.
I recently transitioned my income property to a second home. The lender was not upfront that they required a year long period of time before they would approve this. In the meantime, they had taken my application, all my information, and charged me for an appraisal. I didn't find out until after 4 weeks that they wouldn't approve the loan because it was a prior rental, and instead bait and switched me with a 5.75 % rate ( vs 4.6 % ). I  declined that offer and they refunded the appraisal cost.
Back on XX/XX/XXXX I went to purchase appliances on Home Depot using my credit card for the amount of {$1200.00}. A month later I decide to cancelled this order an purchase a better quality appliances for higher amount. I was informed by this company that i will received a credit for the {$1200.00}. Later on XX/XX/XXXX I sow a credit for the amount described. Beginning of this year I sow the same amount reflected on my account and a note saying that this promotion will expire on XX/XX/XXXX. Since XXXX of this year I am trying to fix this used also I maked a disputed with Citi Bank witch determinate I did have the credit for {$1200.00} back on XX/XX/XXXX. Obviously this bank never took the moment to review the problem and simple they answer was what Home Depot informed but never give me the credit. Now is even works because this year City Bank and Home Depot as well never apply my payment on my account and they refuse to fix this problem. I do have all the proofs to support and strong evidence they are overcharge my account.
I sent experian credit reporting agency evidence that the mortgage has been paid on time back in XXXX they are refusing to remove it from my credit
I responded to an offer from HSBC Bank to open a checking account and receive a $ XXXX bonus. I submitted an application giving all of my private information and the application was rejected on the basis that the bank could not verify my identity. 

I called customer service and they said that there was a final decision by the computer. 

I told the representative that based upon their offer, I submitted all of my private information including date of birth, passwords, bank account numbers social security number addresses etc. and that they took this information fraudulently.
On XX/XX/2018, I closed my checking account with Capital One Bank. At the time I signed the papers to close the account I was told I had to close all auto pay accounts. I called the next day to close an autopay I had through this Capital One account for a XXXX Credit Card. They said it was too late, and that they were already processing the payment. I acknowledged, and I am prepared to pay for, the overdraft fee and amount of this original payment - even though I then paid XXXX directly over the phone through my new bank account ( with XXXX XXXX. ) However, a month later I went to charge a 4 payments for XXXX through XXXX XXXX, via XXXX, each roughly {$13.00}, {$17.00}, {$3.00} and {$3.00}. Although I had closed my Capital One bank account, Capital One did NOT mark the account as closed. A debt collection representative called me on the phone and said I owed over {$600.00} in overdraft fees as they re-opened the account when XXXX XXXX went to charge the account - instead of just reporting the account as closed. This was not an automatic, recurring payment. I had other payment methods available to XXXX  ; however, Capital One allowed XXXX   to charge the account multiple times resulting in multiple overdraft fees. I have tried to resolve this issue with Capital One and XXXX  ; XXXX  refunded their charges but is unable to assist with Capital One overdraft fees - fees that would have been avoided if the account would have remained closed from the XX/XX/XXXX date as I signed off on. I closed this account. No further charges should have been able to post to this closed account. I have paperwork I signed noting that the account was closed. I want Capital One to charge me only for the {$42.00} and the resulting overdraft fee from XXXX.
Lamont, Hanley, and Associates of XXXX XXXX XXXX, XXXX has repeatedly billed me, XXXX XXXX XXXX, for medical debt I do not owe. This debt was supposed incurred by my wife, XXXX XXXX XXXX, when she was on dialysis and was under the protection of Medicare A and B as well as private insurance. 

The original creditor, XXXX XXXX XXXX XXXX XXXX, has sent me and my wife written notice that they will desist from attempting to collect the alleged owed money, and I have provided a copy of this letter to Lamont, Hanley at least five times. 

Please also note the following : Lamont , Hanley & Associates has repeatedly sent me correspondence with an incorrect zip code in their letterhead -- even after I pointed out the error. They also withhold their unit number from their letterhead. I must assume they are doing this to other clients as a method of dodging disputes. You can see their real address and zip code on XXXX XXXX at this link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I consider XXXX XXXX XXXX a party to this complaint. Therefore, a copy of the complaint should be forwarded to that party as well. 

XXXX XXXX XXXX XXXX cc : XXXX XXXX XXXX
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX XXXX
I have found a XXXX acct with negative remarks on my name I have no knowledge of this acct please remove it asap.
I have attached Equifax 's response to my complaint filed with CFPB.Gov XX/XX/2014 regarding XXXX XXXX XXXX, and you will see in the attached documentation Equifax deleted the account from my credit file after their investigation, however they have now improperly reinserted it. Equifax has violated the FCRA by reinserting this account improperly. No notice was ever sent to me to tell me they had any intentions on reinserting the fraudulent information as they are required to do as a matter of law. The account number for XXXX XXXX XXXX is XXXX and you will find they have improperly reinserted this. <P/>I am providing Equifax 's original response stating they deleted the account to prove this is an improper reinsertion. I have contacted Equifax by phone, fax and certified mail to have this corrected and removed from my credit file, but Equifax refuses to remove this improperly reinserted informaiton.
I recently submitted a complaint against Regions Bank in regards to their illegal practice of changing transaction orders in an effort to charge more overdraft fees than would have been made had the original transaction order been kept. I have just received a letter in the mail from Regions Bank regarding this complaint. In this letter they say that they have reviewed our accounts and they can find no instance of an overdraft fee being charged on a day when the transaction would have been under {$5.00}. Therefore there was no bank error so they can not refund our money. Of course they ca n't find an instance of it happening because they changed the order of the transactions before they charged us the overdraft fees. I feel I am getting the same run around as I did when I contacted them before about this problem. They ca n't find a problem because they did such a good job at covering up what they were doing in the XXXX place. They will never find an instance of it bc they changed the transaction order. That is the problem. That practice is illegal. They have been fined and sued over that very practice already and yet here they are doing it again and getting away with it because they say they ca n't find a problem they created. Please help us! This bank is taking advantage of consumers ' trust and ruining our lives. Because of what this has done to our credit we can not get loans, financing etc. we struggle to get things we need to live a normal life and are harassed by collection calls in reference to the debt caused by this banks practices of changing transaction orders. We can not be the only ones they are doing this to. Please help!
at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and XXXX XXXX is reporting to report I owe XXXX to XXXX I have disputed and they removed account now XXXX  is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track number-XXXX XXXX XXXX XXXX XXXX as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.
I have a home loan w ith Wells Fargo that is currently in arrears. I have spent the last year working with agents o n negotiating a reasonable payment plan, restructure, or loan modification, but I can not seem to get through the red tape. I feel I have not been accurately reviewed for any other options that would lower our monthly payments. I have done everything I can possibly think of to resolve matters with  Wells Fargos agents, but my pleas for assistance have been ignored. Wells Fargo re ceived {$25.00}  XXXX  dollars in bailout funds from t he U.S. Treasu ry. As such,  Wells Fargo  should be helping struggling homeowners like me, rather than pushing them toward foreclosure. Wheres my bailout? I am now in danger of losing my home to foreclosure, and need your offices help! A SALE DATE IS SCHEDULE FOR   XXXX   XXXX   XXXX  !!!     In  XXXX , I purchased my home signing a purchase money loan originated with  XXXX   XXXX . In  XXXX , I refinanced my mortgage signing a new loan originated with  Wells Fargo . In  XXXX , I received a loan modification. I timely tendered my mortgage payments on time as agreed for  XXXX  years. However, in  XXXX , Due to the struggling, I lost a substantial amount of business revenue along with the building I owned and ran my production company out of. I did the best I could to keep up with my mortgage payments, going as far as depleting my savings and reserves, but eventually defaulted on my home loan and was moved to foreclosure status.     In  XXXX , I contacted  Wells Fargos ag ents advising of my struggles to tender my mortgage payments. I was advised by  Wells Fargos  agents that I am not eligible to apply for a new loan modification at that time. However, recently, Wells Fargos agents offered me the   opportunity to apply for a new loan modification. I completed and returned the loan modification application, along with all required documents. After receiving what I can only call a runaround and paper-chase, with agents requesting and re-requesting the same documents repeatedly, no decision has been rendered. No other home retention options have been offered. A SALE DATE IS SCHEDULE FOR   XXXX   XXXX   XXXX  !!!     How is it possible that  Wells Fargos a gents have not afforded me the opportunity to be reviewed for a reasonable and fair resolution? My income is enough to afford a reasonable monthly mortgage payment and resolve this matter. I am certain that there are home-retention programs for which I qualify,  yet Wells Fargos  agents are denying me access to them. There is no justifiable reason fo r Wells Fargos agent s not to work with me and consider me for government programs such as a restructure, loan modification, and forbearance.
Santander is reporting inaccurate late payments on my credit which are severely damaging my credit scores.     The original creditor for this debt was actually  XXXX   XXXX . It was opened on  XXXX / XXXX / XXXX  with a loan amount of {$29000.00} this debt was then acquired by Santander who has been servicing the account since then.     After the acquisition, the  Affordable Care Act  was implemented causing our  XXXX    XXXX   XXXX    income to be decimated. This unfortunately led to the situation where our vehicle was repossessed by Santander on  XXXX / XXXX / XXXX .     After the repo, we wrote the attached   Repo Letter at which point Santander disappeared and continued to report my loan account under Paid as agreed on my credit. We noticed that they were reporting an incorrect car payment of {$460.00} and an account number on my report that did not match my records so I also disputed this with the credit bureaus during that time.
This is when Santander   suddenly changed their status from paid as agreed to severely delinquent with no explanation as to why. When that reporting change occurred, my credit scores dropped over  XXXX  points which completely devastated my credit.     I called  Santander many times to dispute how they were reporting ( based on the fact they received {$10000.00} at auction ( + ) charged off {$12000.00} ( + ) pre-repo car payments we made of {$17000.00}, all totaling {$40000.00} ) however, despite already writing off and collecting this {$40000.00}, Santander claimed we owed another {$16000.00} which if that was accurate, they would be saying we contractually owed them {$57000.00} ( and as you can see by the attached doc labeled Original Sales Receipt, the total contract, with interest, was for {$44000.00} ) and interestingly if you were to add that {$40000.00} ( from what they wrote off and collected ), to the {$4000.00} weve paid them during our settlement agreement, that total equals {$44000.00} ( which exceeds the contract amount of {$44000.00} ).      Despite all this, in  XXXX , I decided to contact  Santander to settle the unresolved debt. After contacting Santanders Collections department and speaking with a Manager  named  XXXX  at ext.  XXXX , he agreed to settle the supposed {$16000.00} balance owed for {$6000.00} - the payments are $  XXXX  which Ive paid every month since  XXXX / XXXX / XXXX .     Their records will show that I have paid the agreed upon payments of {$150.00} every month since then without ever missing a payment. As a matter of fact, I have taken it upon myself to make payments before the scheduled due dates to show my resolve in getting this cleared off from my credit.
I lost my job and my unemployment expired.i had a notice ( not sure what they were telling me. ) As soon as I had some money, which was in the beginning of XX/XX/XXXX, I sent them over {$2000.00}. They have not responded in any way. I have filed for XXXX XXXX XXXX and am waiting for a determination. 

I would like to talk to them about purchasing the house, as I now money available for me to purchase the home. Otherwise wil be homeless as i am single and do not have anywhere else I to live permanently.
My ex husband opened an account in my name at XXXX XXXX. He paid it off but XXXX turned this over to a collection bureau, XXXX XXXX. I have called XXXX repeatedly, with recorded phone calls, where I am told I do not owe them anything. They told me to dispute the bill with the credit bureau and I did so. They turned around and verified debt. I called them back and once again they said I do not owe them anything. If this is not resolved immediately I will be turning over my phone calls to the Attorney General, The FTC, and I will sue for damages. I am tired of the games and of being destroyed for a bill I have proof I do not owe.
While reviewing my credit report I noticed a charge off account from XXXX XXXX. I have never had an account with them. The information on my report read their name, no account number, no payment information, just 90-day late payments, there is also a balance for {$110.00}. No other information could be found. So, I called the customer service number on the website and was transferred to the credit department. I was repeatedly asked for the account number and order number, when I was unable to furnish this information, I was transferred without notice to another agent. This happened three times. I finally was asked again and when I could explain the situation, the young lady told me to fill out an application for fraud on the FTC website and mail it to them. Well when I explained that the site is down due to the government shut down. I got an oh well is there anything I can do for you response. I asked if she could provide me with information that validate the account was mine or even an account number she said no and to dispute with the bureaus and file the claim for FTC. They wasted 20 minutes of my time by placing me on hold and transferring me to agent to agent without notice and still could not verify or provide me with any information. Please do not contact me through email, mail, or phone. All contact is to be made via this website only.
I was in the process of putting my student loans in In-School Forbearance. During that period my student loans went into 90 days late payment. I did not realize this! I would have paid during that time, but received no notification at the address I lived. I did not know. I have disputed this twice with my student loan provider and with the credit bureaus, but they have not taken it off of my credit report. It has negatively impacted my credit, but they have made no adjustment or had no mercy though I have no previous record of late payment, or any following this incident. Thank you for your help!
I'm went in to XXXX XXXX XX/XX/XXXX with a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, XXXX Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.
on or about XXXX XXXX, 2016 I sent a dispute letter and filed a complaint with consumer financial protection related to Experian unfair business practices, failure to verify fraudulent information and delet it completely.