WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB committee, This is in regards to below damaging derogatory collection report under my name XXXX XXXX as listed on Trans Union : XXXX XXXX XXXX Acct : XXXX This derogatory remark is listed only on TransUnion and not the other 2 credit reporting agencies. The amount of {$200.00}, was no where shown on any documentations provided by XXXX. 

Attempts to retrieve proof-of-obligation to both credit collections agency and credit reporting company : * On XX/XX/2018, I contacted XXXX XXXX XXXX over the phone to validate a collection remark of {$200.00} as listed on TransUnion. They recommended me to write them a written letter instead. 

* On XX/XX/2018, I mailed a written notarized and certified mail request to XXXX XXXX  XXXX requesting proof-of-obligation of the {$200.00} amount as listed. 

* On XX/XX/2018, I received a response from XXXX XXXX XXXX with an amount of {$37.00} paid transaction with my signature. A letter accompanying the copy of transaction mentioned that there will be a follow-up letter to showcase the proof-of-obligation to the {$200.00}. ( Please note this follow-up documentation letter was never received ) * On XX/XX/2018, I mailed my first notarized letter to TransUnion requesting the credit reporting company to provide me with all files that showcase my proof-of-obligation to the {$200.00} derogatory remark. With the letter, I included all of my correspondence with XXXX XXXX XXXX. 

* On XX/XX/2018, I received a letter from TransUnion saying that the investigation is " verified. '' No documentations in relates to XXXX XXXX  XXXX was sent over. 

* On XX/XX/2018, I mailed my second notarized letter to TransUnion re-requesting the credit reporting company to comply with my first request to send over any information, files, documents in relates to XXXX XXXX XXXX that verified the proof-of-obligation of {$200.00} that justified TransUnion to list this amount as owed in my credit report. I requested Trans Union to provide me with all files, and not just said that the item has been " verified '' without further information. 

* On XX/XX/2018, I received the same exact letter that I received on XX/XX/2018. Saying that the investigation result shows that it has been " verified. '' No documentation or files accompanied the letter, other than my normal credit report. 

* On XX/XX/2018, I mailed my third and final notarized letter to TransUnion re-requesting the same request as my second letter on XX/XX/2018. I mentioned that I will file a complaint to CFPB, California 's State Attorney General 's Office and XXXX XXXX XXXX. 

* On XX/XX/2018, I received the same exact generic letter I received on XX/XX/2018 and XX/XX/2018. 

I truly believe that TransUnion has been publishing derogatory remark without any supporting documentations that showcase the proof-of-obligation files as needed by the FCRA. 

I have attempted to contact both the credit collection company and provide the correspondence to Trans Union without any avail. 

Please lend me your expertise and help me resolve this issue as it is heavily damaging my credit worthiness. 

Thank you very much. 

Regards, XXXX XXXX ( XXXX XXXX ) XXXX
I called in to make a PRINCIPAL only payment to get my loan balance under a certain dollar amount so that I can be approved for a HELOC. I verified 3 times with the person on the phone that the payment is for principal only, and that conversation was recorded. I check my statement and I see that {$320.00} was escrowed and should not have been. My payments have all been on time, and my escrow is on a schedule as well. I made this PRINCIPAL only payment on XXXX and I reiterated the fact that I will be calling again to make my scheduled payment, that this payment has nothing to do with my scheduled payment in any way and it is for principal only. I have been in contact with supervisors who assure me they are working hard to correct their mistake, that they are just busy. They have been 'busy ' for almost a full month now and this has caused a number of issues with my financial planning not to mention the extra interest on this account charged as well as the other 3rd party accounts I planned on paying off with my HELOC. The approval to fix the mistake was issued on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 and I am still waiting. I have made multiple attempts since then asking about when the was going to be corrected each response has been they are busy in the department that handles it. Even if this is fixed at this point, the damage has been done and there does not appear to be anything that I can do about it.
I have lived in my home for nearly 30 years. My wife and I ( now deceased ) raised our kids and family here. I am now in foreclosure, all because of the very bad loan XXXX XXXX ( now Wells Fargo ) put me in back in 2007. This is a loan where the interest rate and payment goes up and so does the balance. It is called a pick a pay loan. I did not understand this loan when I took it out, I trusted the people at the bank who gave this loan to me. I am XXXX and English is not my first language. They made the loan sound so good, but now several years later it is proving to be very bad for me. As the payment has increased over {$500.00} per month I have tried to get Wells Fargo to work with me to fix this problem. However I ca n't make any progress. I have sent my paperwork to them many times but I have never gotten any help towards a modification. So I began working with a lawyer, who tells me the only way to get Wells Fargo to pay attention is to begin missing payments. So I do this and send in all the papers again many times. Still I have not gotten any help from Wells Fargo. 

I am now in foreclosure with Wells Fargo. I make money from retirement income and also I have rented out rooms to boarders and my grandson lives with me and helps out. I have enough money to give a fair payment to Wells Fargo. But because of this very bad loan they put me in XX/XX/2007 I now see everything falling apart. Why wo n't this bank help me and work with me? My Attorney told me these pick a pay loans are very bad and now illegal?? I want some help from Wells Fargo to get out of this situation.
1. I received an alert email from the credit institution this morning on XX/XX/2018. 
2. A collection agency suddenly put {$4800.00} on my credit report. I do not recognize this amount and did not receive any detailed information although I requested that they should send the the detailed one to the attorney.

3. When I was terminated by phone suddenly on XX/XX/2018, although there was no debt but {$1000.00} credit I could not receive my credit amount when terminated. 
After several month, the company forwarded the sudden debt to the collection agency, XXXX XXXX & XXXX XXXX without any notice. 
4. Please delete immediately the collection amount on my credit report. That's not my own.
I deposited my payroll check into my account on Friday XXXX/XXXX/16. They released {$200.00} and placed a hold on the rest until XXXX/XXXX/16. I called and asked if they could speed up the process. I have bills to pay and they flat out said no. They said I had too many overdrafts. I said I was n't even signed up for overdraft. They made a huge excuse that the government made changes to protect me and what not. I got paid on XXXX/XXXX/16 again and it was placed on hold yet again for another two weeks. I can not believe this. I 'm falling behind on everything and it 's my payroll check not a personal check. I need my money now. I have XXXX and I need to buy diapers and food.
PNC LN XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX XXXX We have submitted our authorization and a complete short sale package to PNC. They have set a foreclosure date for XX/XX/17, are refusing to provide a payoff demand to an authorized third party, and are also refusing to review the file for a short sale. <P/>PNC has not ever attempted to contact the homeowner. The homeowner only found out her home was going to foreclosure last week and only because real estate agents started calling her. PNC has never contacted the homeowner, has never attempted to do any kind of workout option with her, and this is violation of State and Federal Law. <P/>Since the homeowner is XXXX years old, PNCs lack of legally required communication also raises questions of Elder Abuse. Elder Abuse is a violation of California law. <P/>Since we already know that you are going to claim you have contacted the homeowner, we want proof of this. I want to know the date/time that you have contacted her in accordance with state and federal law. <P/>Weve had issues with pnc before regarding their lack of communication with their own homeowners, and we end up having to file a CFPB complaint on every file we have with them. We are tired of the hacks in their legal dept telling us that we are lying and they have done nothing wrong. In fact, in every response that we get back from their legal hacks we are told we are lying. How is it possible that in all of the CFPB complaints against PNC for the consumer to be lying 100 % of the time??? We have closed over 2400 short sales in the last 9 years. PNC is saying that we lie on every single complaint? Does that sound like Reality to you?? When is the CFPB going to enforce the laws that are in place to protect the homeowner?
I have a credit card account with Capital One which had a balance due amount of {$460.00} with a due date of XX/XX/XXXX. I paid off the whole balance on the account by the due date, and I have a copy of the receipt. I later received a bill the following month for the XX/XX/XXXX statement with a balance due on the account, showing as a finance charge on the amount I had paid off. The statement should have been showing a XXXX  balance. I never used the card after I paid the last balance off, so my account should be showing a XXXX  balance. So I called capital one, and asked them why they were charging me the finance charge on the account that was paid off and up to date, and should be having a XXXX  balance. They told me the finance charge was incurred even before I paid the balance off. However, there was a finance charge already included on the balance that I paid off. They told me I should have contacted them to get a payoff quote before paying up the balance on the account. I told them I have never heard of such a thing, as I have other credit cards and when I pay off my balances in full, none of them has ever come back to charge a finance charge on the account that was paid off. Capital one would not reason with me, but still insisted that the account had the finance charge balance that must be paid. I requested to speak with a manager, and they gave me a supervisor to talk to, who was still telling me the same thing. So, I told them I was going to report them to the consumer affairs department. Now, as of today XX/XX/XXXX I already received a new statement from Capital One showing that they added another finance charge and past due fee to the last amount I had in dispute with them. This is an unfair and unethical practice by Capital One, which I feel the government should know about, because they may be doing it to a lot of other people who may not be checking their account, and getting away with it. I hope you would be able to resolve this issue, after which I will have to close my account with them, since they can not be trusted anymore. I have paid my balances in full in the past with them, and never had this kind of problem, so this is a new way they are trying to " steal '' from from innocent consumers. I hope if anyone reads this, and have a Capital One credit card will start reading their statements carefully, to catch any irregularities like mine. Thank you for your assistance on this matter.
I have been disputing an account with AFNI who bought an old ( and paid ) debt from almost XXXX years ago. Not only is it on my credit report when it should not be, but they are also RE-AGING the debt to show a date from 2016, and responding to my dispute requests with lies to keep it on my report. I have not been able to get any information from AFNI on what date they show as first delinquency, but I have not used the phone service of the original creditor in nearly XXXX years and therefore the SoL is definitely passed regardless. I have submitted multiple dispute requests to XXXX   and each time they close out the dispute by saying the account meets FCRA requirements. It does NOT! And re-aging collection accounts is ILLEGAL.
Daughter of involved in an accident vehicle was a total loss. I did not have gap insurance and my daughter who was hit outside her vehicle has back has fractures and dental work. I can not pay at this time I have told them numbers told and we both receive calls daily I have spoken to them and explain paying the gap is not my prioity. Accident occured in XXXX and they call all XXXX people on contact list. On XXXX XXXX my parents home XXXX sister and my brother in law all answered there call and so its harrassment at this poiny. I have not moved my by hers have not changed and the call references at least once a month for the last XXXX. Just be a use I tired of repeating myself.
I have disputed with all three credit bureaus. About 2 collections on my credit report for the amount of {$340.00} reported on XX/XX/XXXX. And {$59.00} for XX/XX/XXXX. I have no knowledge of Ar Resources. I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC.
I have submitted a dispute XXXX with TransUnion for a negative account that is listed XXXX on my credit report. It is obvious that there is a mistake because of the matching information ( creditor, account number, individual account, installment account, secured, balance, date opened, pay status, date closed ) on both of these accounts. However, one of the accounts shows that the date opened is XX/XX/2012 and the date closed is XX/XX/2012 which, again, clearly show a mistake since an account ca n't be closed 2 days before it is ever opened! TransUnion supposedly has verified that the account information is correct and both accounts remain on my credit report. This is still inaccurate information and I do n't understand how it can be verified as correct XXXX when it is obviously incorrect if for no other reason than the fact that the open/close dates on one of the accounts listed are not even possible! How can I get this removed if TransUnion claims that the accounts are verified and accurate?
I fell behind on credit card payments for my Capital One Card. I called on XX/XX/2017 and worked out a payment plan with them for {$32.00} a month at 4.25 % interest for 60 months. The next month, I start receiving collection notices from a collection agency for the balance due. I have continued to make the payments of {$32.00} to this day to the Capital One Card. They are still reporting the account as open and delinquent in addition to the new collection agency. 
In addition, I have tried resolving it with Capital One Card and they will not even speak to me and told me that my payments had bounced in which they had not. I tried to dispute with the credit reporting agencies to no avail.
I have tried numerous times disputing what the credit card companies are reporting. I also sent letters to the credit bureau telling them that I did not apply for a job or was granted credit with these people and I wanted them removed and I have not received a response from either XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX payment {$54.00} missed XXXX payment XXXX Closed account - would not remove late fee XXXX Went into XXXX XXXX store in XXXX XXXX and paid balance of {$58.00} XXXX received another bill for missed payment in XXXX due date of XXXX - would n't remove fee even though account closed and Paid in full - said they could not remove it after the account was closed Received new bill with ANOTHER late fee XXXX - XXXX with a minimum charge of {$2.00} = {$29.00} so my bill is now {$63.00} in late fees Called XXXX - was transfered to a manager - was on hold for 25 minutes ( seriously on -purpose ) - would not remove any late fees - said it was in terms and conditions and could n't help now that account is closed. So now the last 2 bills are just late fees on late fees! I was a XXXX member of XXXX XXXX. The lack of customer service from XXXX and it 's employees to help me has been ridiculous. I took care of the payment that was due - spoke to a XXXX customer service person on that day in front of the store manager. Could not believe I received a bill for a LATE FEE on a closed account that I had settled two days late. Now another bill with another late fee - no product - just late fee on late fee. Unbelievable that a bank can do this and not even try to waive/correct the situation.
PAYMENT I MADE FOR XX/XX/2018 IN THE AMOUNT OF : {$1500.00} CHECK # XXXX CLEAR OUR BANK ON XX/XX/2018 ; PAYMENT SENT TO FREEDOM MORTGAGE ON XX/XX/2018. 


And I received a letter from Freedom Mortgage stating, As of the date of this letter we have not received your payment due XX/XX/2018. and my Bank Statement showing check # XXXX clear my Bank on XX/XX/2018. also, Freedom Mortgage never acknowledge my Tax Exemption, and my own home-owner insurance, Never remove from my ESCROW PAYMENT EVER SINCE. AS WELL, THE RATES KEEP GOING UP HIGHER AND HIGHER WITHOUT NOTIFYING US ABOUT THEIR CHANGING MADE ON OUR VA MORTGAGE LOAN. ASKING FOR STRICT SCRUTINY TO BRING THE LIGHT OF JUSTICE, AND RIGHTEOUSNESS TO THIS UNSCRUPULOUS, MALFEASANCE CONDUCT BY FREEDOM MORTGAGE. GOUGING US FINANCIALLY, AND FINAGLE CF. FILCH US FINANCIALLY. MY TAX-EXEMPTION ... .PERSONAL EXEMPTION NUMBER : XXXX FOR QUESTIONS CALL : XXXX. THANK YOU FOR YOUR INTEGRITY HELP. XXXX WAS THE BUILDER OF OUR HOUSE WE'RE AT RIGHT NOW.
I have sent Equifax XXXX certified letters asking them to verify that items being reported on my credit report be verified correctly under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
They continue to respond that the items listed have been verified yet ignore my requests to provide copies of original documents with my signature on them.
XXXX XXXX XXXX XXXX XXXX attempted to collect a fraudulent debt ( including several other collection agencies ) reported by XXXX XXXX Bank to the major creditor reporting agencies in the amount of {$660.00}. 

Under the Fair Debt Collection Practices Act., the collection of said debt on XX/XX/XXXX has been disputed and validation of the debt was requested. 

Although the debt was removed from my credit file after the seven year derogatory reporting period in XXXX ( adversely affecting my credit file ), the fraudulent account remained in collections for an extended two year period. 

The original creditor has refused to negotiate a settlement and all collections agencies involved have yet to verify the debt of record.
I recently obtained a copy of my credit report from Equifax. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX and XXXX, I wrote to Equifax advising them of the unauthorized inquiry. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
There was fraud on my account which was unauthorized and my bank will not provide me with a refund.
I had a collection account that has been constantly reported by multiple agencies and removed each time I have submitted a dispute, as it is incorrect. The information was recently reinserted under XXXX , XXXX . When I noticed, I disputed the issue, but Equifax has left it on my credit report. 

Most recently it was reported by XXXX XXXX XXXX out of XXXX, MS , and was very quickly removed when I disputed it on the report. Now, like I said, it is showing up under XXXX, from whom I did not receive notification nor had an opportunity to ask for verification. However, the previous companies could not verify the information when I requested it, so I am simply looking to have this erroneous information removed.
On XX/XX/18 I sent a payment of {$320.00} to XXXX through XXXX XXXX with XXXX. She banks with XXXX  XXXX XXXX and at the time said that she could see it processing, but then never received it. My bank has said the transaction has been completed. So she doesn't have the money, and I don't have the money. This was for rent and I now face possible eviction if I can not receive this money within the next month. Any help would be greatly appreciated.
These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted. 

COLLECTIONS XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention
I opened an account at Citi, i think its a brokerage account but i opened it at the branch. this account was opened in XX/XX/XXXX or around about that time. I have been trying to close the account since XX/XX/XXXX. I have gone back to the branch they have said they cant help me. I have gone to another branch they have said they cant help me. i think its their wealth management people that need to do this. but they will not tell me who to contact or where to go to get it. 
I have tried calling the number on the statement, i have tried calling the secondary broker they used that sent me a letter saying the account is considered abandoned. all the numbers they give me have gone back to the same auto attendant that has no human option and no option to help me. 
I called their other back up broker XXXX  multiple times and they finally gave me a number for Citi that went to a voicemail for which i have left at least 5 messages for.

I know this sounds rediculous and i sound crazy, but i have written FINRA as well, and no one seems to respond to me. 
My account number is XXXX and the value of the account is about {$5000.00} or {$5500.00}. I am not sure where to turn to, as no one will help me. I think spending ten years to try to get my money or stocks back from a bank like Citi is  excessive and the amount is not even that much. I have statements and letters but i dont have anything recent as they have stopped sending statements and i have changed my address.