WillisBack/dataset-financial-user-claim huggingface dataset:
NOTE : This is my second complaint to CFPB about the same issue. And my 5th dispute with TransUnion TransUnion have yet to provide me with ANY copies of original documents ( a original signed contract with my signature ) as required by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA TransUnion are required to PROMPTLY DELETE this Negative XXXX XXXX account # XXXX. 

Note : XXXX have Deleted this UNVERIFIED ITEM
yes XXXX XXXX XXXX collecting off XXXX XXXX after 10 years of this bill she got {$660.00} still balance {$1700.00} pay for court ssi taxes XXXX michigan takeing it from XXXX leaveing her with {$0.00} amount. steeling XXXX XXXX   yearsold women.
Good morning, I have an account with Nissan Motor A which I have never been late until this month, the reason I am the co-signer of a leased car, the owner has been injured also this company never called mentioning that a payment didnt go trough on the correct date therefore, the owner made the payment online and never wen trough but on the web page say it did, so they never reported that the payment didnt go  trough never received calls until this Saturday the XXXX which was already 30 days late and got reported to the credit bureau and got damaged, so on Saturday since they finally called i made the payment and And told me to call Monday to get removed the report that it shouldnt be an issue since I paid on Saturday but got no luck they told me they wont do it cause its not their faul when it is
Our household received a letter at our family address from Transworld Systems, a debt collection agency, attempting to collect a debt owed to XXXX XXXX by " XXXX XXXX XXXX. '' NO ONE in the household is named " XXXX XXXX XXXX. '' We DO NOT owe money to XXXX XXXX.
SIR IN MID XX/XX/XXXX I TOOK OUT A ON-LINE LOAN FOR XXXX DOLLARS.I WAS UNDER THE IMPRESSION THAT I HAD 48 MONTHS AT {$290.00} PER MONTH, THIS WAS NOT THE CASE AT ALL, IT WAS {$290.00} BI-WEEKLY.AFTER SEVERAL WEEKS PASTED THEY AGAIN TOOK {$290.00} FROM MY BANK ACCOUNT.I THEN CALLED RISE AND TOLD THEM THEY HAD MADE A MISTAKE AND THEY TOLD ME IT WAS I WHO MADE A MISTAKE.I EXPLAINED TO THEM THAT I WOULD LOOSE EVERYTHING IF IT CONTINUED, THEY DID NOT RESPOND.APPROX.3 WEEKS WENT BY AND I APPLIED FOR ANOTHER LOAN TO PAY OFF RISE, AND SENT THEM A CHECK FOR THE LOAN AMOUNT OF {$3500.00} IN WHICH THEY RECEIVED AND APPLIED TO MY ACCOUNT.I THEN CALLED RISE TO MAKE SURE THEY APPLIED THE XXXX PROPERLY AND THEY TOLD ME THE ACCOUNT WAS STILL BEHIND, THEY SAID I STILL OWED XXXX DOLLARS BECAUSE THE CHECK DID NOT GET THERE IN TIME.SO NOT THEY CONTINUE TO ADD EVERY TWO WEEKS {$250.00} TO THE XXXX. 
NOW ITS UP TO {$850.00} AND THEY SAID ANOTHER {$250.00} AND THEY WILL CONTINUE TO DO SO.
this company keeps calling saying I have a returned check from 20yrs ago and threatning court action but they will not send anything to me in the mail proving it is my debt, I have requested more than 3 times that they stop calling and mail something to me so I can see the prof ... ..they are also calling my mothers phone, my fathers phone and my house and cell phone, I havnt spoken to my father in over 17yrs and what could my mother possibly have to do with it? 
other numbers called as follows ... ... 
XXXX XXXX XXXX
Chase does not allow customers to set up repeating payments in a specified dollar amount from a Chase checking or savings account to a Chase credit card account. The only option is the minimum payment due or the full balance due. This seems to be designed to prevent customers from paying down their credit card balance at their affordable pace without having to manually enter each scheduled payment thereby maintaining higher balances longer and making more interest income for Chase.
We was purchasing vehicle from a dealership and arrived with my own financing. These inquiries are not authorized. GM Financial   XX/XX/18 XXXX XXXX XX/XX/18 XXXX Bank XX/XX/18 XXXX XXXX XXXX XX/XX/18 Please have these inquiries removed as they were not authorized. Dealer provided a letter stated these inquiries were made inadvertently and they should be removed.
After reviewing my credit file I have come across information reported from XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.
Bad customer service by HSBC, principal payments made but were not applied to principal correctly. On the phone for hours trying to resolve issues and get pay off for loan
Collector came to my home honked horn for XXXX minutes with only my sick mother in law home. She finally came to the door and the lady asked if she was me. She said no she was n't. The lady demanded to know where I worked, what I drove, and when I 'll be home. She did n't tell the lady anything and asked the lady to leave the property. She refused and continued to raise her voice at my mother in law. She was asked to leave again and still refused. Mother in law said that she would call the cops if she did n't leave. Woman said that she would come back next time with officers to arrest me and threw a letter at my mother in law. Also note we do have no trespassing signs at several locations on property. 

Company also calls my phone several times a day and leaves voicemails that are threatening in manner demanding I call and resolve the matter before further action will be necessary. 

On another occasion she called my mother in laws phone ( never gave any number besides mine ) tell her to call her back and made it very known company and that she was trying to collect from me. My mother in law was a customer of company before bankruptcy. I assume that was how she obtained her phone number.
I have a credit card and checking account with bank of america and the accounts disappeared from my online banking profile. When I called Bank of America, they indicated that they had marked me as deceased in their systems and began the process of closing those accounts. They could not give me a reason why this occurred and I am I concerned about potential identity theft.
On XX/XX/ 2017 I went to XXXX closed an account to start an account with my husband. I was told in order to close the account the account had to be fully paid and so I paid. The account was cancelled and my husband and I purchased a new phone and started a new line, which is my current line. Every two months i received a bill for the cancelled line i called XXXX every time i received the bill and every representative i spoke to promised to have the fees and cancel the account. It has not been forwarded to a debt collector and affecting my credit. XXXX is now saying because its been forwarded they can no longer access that account to confirm previous calls or account activity.
IHAVE MUTIPLE I NQUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT TRANSUNION,  XXXX ,  XXXX  FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.
I took out a loan with Big Picture Loans for {$600.00} to help me cover my rent. When I signed the agreement online I did not know that the interest rate would be an APR :  XXXX . Which is tremendously high. I have been paying at {$320.00} or more a month which has been affecting my other bills causing me to be late or short. As of now I have paid out {$1300.00} on a loan that was for {$600.00}. This is ridiculous and outrageous I have a child in College and one in high school and have been struggling. If this continues on I would have paid more than {$3000.00} on this {$600.00} loan.
Pmt Order Due Date Beginning Balance Principal Balance Payment Amount Interest Ending Amount Payment Status Delinquency Stat us 01  XX/XX/2017  {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 02   XXXX     {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 03   XX/XX/2017   {$600.00} N/A {$160.00} {$160.00} {$600.00} Regular Current 04  XX/XX/2017  {$600.00} {$1.00} {$160.00} {$160.00} {$590.00} Regular Current 05  XX/XX/2017  {$590.00} {$3.00} {$160.00} {$160.00} {$590.00} Regular Current 06  XX/XX/2017  {$590.00} {$4.00} {$160.00} {$150.00} {$590.00} Regular Current 07   XXXX    {$590.00} {$5.00} {$160.00} {$150.00} {$580.00} Regular Current 08  XX/XX/2017  {$580.00} {$7.00} {$160.00} {$150.00} {$570.00} Regular Current 09  XX/XX/2017  {$570.00} {$9.00} {$160.00} {$150.00} {$560.00} None 10  XX/XX/2017  {$560.00} {$12.00} {$160.00} {$150.00} {$550.00} None 11   XXXX   {$550.00} {$15.00} {$160.00} {$140.00} {$530.00} None 12   XXXX   {$530.00} {$19.00} {$160.00} {$140.00} {$520.00} None 13   XXXX   {$520.00} {$24.00} {$160.00} {$130.00} {$490.00} None 14   XXXX   {$490.00} {$31.00} {$160.00} {$130.00} {$460.00} None 15  XX/XX/2017  {$460.00} {$39.00} {$160.00} {$120.00} {$420.00} None 16   XXXX   {$420.00} {$50.00} {$160.00} {$110.00} {$370.00} None 17  XX/XX/2017  {$370.00} {$63.00} {$160.00} {$100.00} {$310.00} None 18  XX/XX/2017  {$310.00} {$80.00} {$160.00} {$83.00} {$230.00} None 19  XX/XX/2017  {$230.00} {$100.00} {$160.00} {$61.00} {$120.00} None 20   XXXX   {$120.00} {$120.00} {$160.00} {$34.00} N/A None
On several occasions, once successful, I have tried contacting Equifax about my credit score. My score was over 700+ and took a serious dive when false information was reported. I immediately after filed a dispute, and the information was removed. However, my score never recovered the score it had at the time prior to its decline. The low score remained.

Another issue is whenever my score climbs a little, then it drops significantly again, all while my usage, and non late payment stay intact. My score is constantly pushed down to the 600 level. Is this based on race, socioeconomic status or something else? I'm not sure.

My credit utilization remain under 4 %, never over 35 % and no late payments for the past year+. I was told that other factors contribute to my declining score, but they failed to show what those factors are. I have not moved in past 13 years and my student loans are current, I make timely payments and keep my usage low. What other factors could influence keeping my score below a 700 level? I understand that credit don't just jump, but how do you explain my score rising over 700 and continue to fluctuate when I have managed maintaining a great credit profile.

I have tried submitting a dispute online, but is never able to due to being rerouted to paying a fee for services. I did pay a fee once after told I had to look purchase my credit score to address inaccuracies. They still have not fix the problem. What can I do? I am all out of options and don't know if I can pursue this legally.
BANK OF AMERICA is reporting a claim on my credit report which is showing as a closed derogatory charge-off with {$600.00} balance, which I believe is inaccurate. 

I've sent two certified letters to the company. The first one was delivered on XX/XX/XXXX- with no reply, no requested documents provided, no validation of the account & did not mark the account as disputed with the credit bureaus with the legal time frame of 30 days, as stated and outlined in the FRCA. 

In my letters I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

The second letter was delivered XX/XX/XXXX, 30+ days after the initial letter requesting yet again proof of validation & to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the debt & the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 
In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account, balance & derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the certified letters I sent to the company, copy of the 2 delivery confirmation receipt, & information/account status being reported by the company to XXXX, XXXX  & XXXX as of XX/XX/2018.
Capital One has associated my phone number with someone else 's delinquent account. They are calling me every XXXX hours and will not remove my number from the other persons account.
After multiple attempts through calls and internet, from an unverified number Frauders were able to social engineer ( with a sin and zip code ) a USAA employee in to allowing access to my accounts. The Frauders were able to get thousands of dollars and my families personal information and even though USAA know it 's fraud ( this same event happened a ton of times ) and they were at fault. I was not alerted or contacted by USAA of the failed attempts on my account. USAA failed to place process and procedures and training to ensure that this ever happens again. Even this morning, the verification process did n't happen and I was able to speak to someone about my account and a manager about my account with out security questions even though my accounts are on high alert. These repeated failures continue to led to this same act of fraud.
In XX/XX/XXXX I reviewed my credit reports and found that there was an account reporting inaccurate information in my credit files. This account is reporting as a charged off account with a balance of {$500.00} reporting under the account number XXXX. On XX/XX/XXXX I wrote my first letter and mailed it certified delivery to XXXX XXXX and requested full validation  pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay you. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 
I received no response so I wrote a second letter to XXXX XXXX and mailed it by certified delivery on XX/XX/XXXX ( see attached supporting documents ). 
It is now ( 8 ) months since my initial letter requesting validation and since it is over the 30 day time frame since the mailing of my request to XXXX XXXX this company is in violation, they are out of compliance. 
Under advise, I wish to informed XXXX XXXX that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
This company IQ Data International keeps calling me and I have advised them I was in dispute, the representative XXXX was very rude threatening me and demanding I send her information to her managers email will driving. Advised her I was driving and she told me send it anyway. She began threatening me saying Im moving forward with actions against you. Very rude, I called and spoke to manager and she was just as rude. This happen on XX/XX/XXXX. @ XXXX. She has been calling me over and over for about hour.
Company stated number on caller ID was a 3rd party tracker process server. Refused to provide company name when calling, when requested, or when contacted by phone. Stated Company Name was " Global, that 's it ''. They stated they owned the dept and called XXXX.
1st first Virginia is a loan place they have called and taken so much money for a XXXX loan they said its nothing I can do but let them take it the money the loan has been paid for its XXXX I have paid XXXX in interest. No one should ever go there Im so sad and sorry I used them for service! Please dont go to that place!
OnXX/XX/2017, I send Equifax a dispute letter to take off the current bankruptcy on my credit report. Equifax responded back to me saying XXXX  Bankruptcy Court reply back verifying this bankruptcy on my credit report. And then I sent a 2nd dispute letter on XX/XX/2017. After that Equifax again sent a letter saying the bankruptcy court again verified this on my account. This is clearly a violation under Fair Credit Report Act.
On or about XXXX XXXX, 2006 I was with the intention of purchasing a home, however the Trustee and the law firm is in conspiracy to defraud me of my land. XXXX XXXX, Wells Fargo /dba America 's Servicing Company , LLC . The law firm XXXX XXXX XXXX XXXX and its attorney 's are in violation of the following : 1. Secured Transaction, which makes it enforceable.
2. National Banking Act.
3. RESPA 4. TILA They are also culpability for a crime that was committed. Additionally, they are in violation of the National Banking Act.
Evid XXXX XXXX XXXX.
ATTN : XXXX XXXX XXXX /dba C.E.O.
c/o XXXX XXXX XXXX  XXXX, OH XXXX Wells Fargo Bank N.A.
ATTN : XXXX XXXX XXXX  d/b/a C.E.O.
XXXX XXXX XXXX, XXXX XXXX, California XXXX
Received a letter on XX/XX/18 from FBCS , Inc trying to collect on an old debt that is past the statute of limitations in the state of Ohio and is no longer on my credit report. They say that I owe I owe {$1800.00} to XXXX XXXX XXXX and then XXXX XXXX, and now this bottom feeder collector has now bought the old debt. They even gave me the option of paying only {$550.00} to settle the debt ...
Im so tired of How the bank rearranges my debits and constantly charges over draft fees I spend most of my money back to the bank in hundreds Im on a fixed income and I know if I use my card and money not there I get a {$35.00} fee..However I also go to atm pull mini statements and call almost daily to keep track of my acct ONLY to notice that they rearrange items and Hit me with {$70.00} fees at a shot several times I cant afford this and after yrs of watching this happen I came here to find help. Example My automatic ins pmt came out, it left me minus over {$200.00} they pd it and charged the fee {$35.00} Ok ( it wasnt suppose to be on auto pmt ) so got it Now that was pd on XX/XX/XXXX it was on my auto call when checked acct ..My Deposit came in of {$310.00} and {$22.00} so it covered that pmt and fee but left me still overdrawn over {$200.00} and both were done around same time due to early deposits for holiday Yet although dep was in I was charged {$70.00} My XXXX deposit of {$430.00} came in and Now they changed the dates of actions ( to XX/XX/XXXX ) and I had {$160.00} to the good then bank charged me again {$70.00} and left me minus $ XXXX..This has been happening like forever I need help ... ... also I have been minus at times but went right away to put the money in on the same day but still charged {$35.00} fee It use to be if a dep was made prior to XXXX that same evening, no fees were charged Well not anymore I went to bank to question it.. Thanks XXXX XXXX
XXXX XXXX and XXXX customer service person at Pacific Union Financial said they over paid our annual homeowners insurance premium because they made a typographical error. As a result, this created a huge escrow shortage in our account. Due to their error, they raised our mortgage payment. Pacific Union paid our annual homeowners insurance premium in the amount of {$2200.00} instead of {$290.00} and as of XX/XX/XXXX our house note went from {$700.00} to {$1100.00} a month. They were previously taking out {$150.00} a month for taxes and insurance out of our escrow account up until XX/XX/XXXX. As of XX/XX/XXXX, they now take out {$550.00} a month out of our escrow account. 
In XX/XX/XXXX, we got a check from XXXX XXXX for {$2000.00} for overpayment. There was no accompanying letter so we thought we over paid something. We have since made a {$2000.00} payment back to Pacific Union but our account still has not been corrected. We were told they would have to do an escrow analysis first before they could fix our account and lower our house note. Then XXXX said they would have to wait for taxes to be paid before they could do an escrow analysis. We called so many times and talked to so many people and were always told to call back in a few days, a few weeks etc., but our account still has not been corrected even though taxes have been paid. We have asked to speak to a supervisor and get put on hold and no one ever picks up. We have asked for supervisor or management names and info as to where to complain about this but were told they didn't have that information! This is horrible and a total nightmare. We have also been given conflicting information by some of the customer service people who said our house payment went up because Pacific Union mistakenly bought unnecessary flood insurance ( we already have flood insurance through XXXX XXXX XXXX XXXX ). We were even told we were going to get a refund however, XXXX XXXX and XXXX said that was not true and our account was never charged for that. 

I am XXXX years old and a XXXX XXXX veteran. My wife is XXXX. We live on Social Security and trying to come up with {$1100.00} a month is a huge struggle for us especially when they are the one who caused this problem. We have never missed a payment or made a late payment but we don't know how long we can keep up having to pay {$1100.00} instead of {$700.00}. Our other bills have to be paid, too. We need our account corrected and our payment lowered and no one at Pacific Union has done anything to fix this. We need immediate assistance as our money is dwindling and we don't want to lose our home because of a typographical error. PLEASE HELP US!