WillisBack/dataset-financial-user-claim huggingface dataset:
I have disputed, as well as sent an Identity Theft Report to TransUnion in reference to a Bankruptcy and some unauthorized credit inquiries that are showing on my credit file, and I keep getting a verified response back from them. They are not advising of how or who they are verifying through. I have called the Superior Court listed in the BK and I 've been told that they do not report nor verify anything with credit reporting agencies, I have checked with multiple third party consumer reporting agencies to see if TransUnion have attempted to verify this item with them and I have been told no, because it would have been a violation of the FCRA since all of my consumer files have a freeze on them due to identity theft. So I am unsure if TransUnion has tried to verify or validate this inaccurate account that is reporting on my credit file or if they just say it 's validated because it simply appears. I 've asked for the name, address, and telephone number, of who they contacted in order to verify the information. I 've asked to be informed of the name and title of the person in which they speak to to verify the information, I 've asked was the verification done in writing, was a UDF form used, or was this through an electronic automatic dispute verification and were you able to reach them at the same address/phone number listed on my report? 

I 've asked all of these questions so that I could follow up to see what information I would need to supply to have this information corrected, but have yet to r'cve any of the requested information.
After sending written notice twice and filing a complaint here, I received an e mail from the company assuring me my number was removed from the database, but still getting more calls. 

My previous complaint.. 
Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Product : Debt collection Issue : Communication tactics
None of the options listed above describe the situation I had. My issue with Americollect is that I have never heard ANYTHING from them. I went to apply for an apartment and this was not a big enough deal for me to not get the apartment but they have had outstanding debt that they have never tried to contact me about for two years now and it seems to have tripled in size because of the delinquency. I am happily going to pay the debt as soon as their office is open, I am just extremely upset about the lack of an attempt to contact me in what seems like a blatant attempt to grow the size of the debt.
Comerica Bank Parent Company of Direct Express, has failed and/or refused to issue my Social Security Benefits and a timely and prompt fashion. On at least two occasion XXXX XXXX and XXXX XXXX deadlines were failures. I tried to exhaust my remedies at corporate level but to no avail. I spoke with gentlelady for the eastern board name XXXX. I explained to her I went to the postal office on 2 different occasion s superior told me there was absolutely no mail for for direct Express. I told her this the answer she could offer is that pay federal XXXX for XXXX dollars. Keeping in I 'm on a fixed income and over on rent other bills.then spoke with XXXX who operates Quailty service for Comerica bank. She totally avoid Ed me.I ran out of options. This complaint is my last resort. To this date XX/XX/2016.I Respectfully ask that CFPA look into this matter at your earliest convenience. And compel These entities with all rules regulations of law. To issue my debit MasterCard. ASAP and and other relief you may offer thanking you in advance for your assistance ....
I received a 1099-C form from a debt collector for a debt that I have tried to get information on but have never received proper verification that I have previously requested. From verbal conversations it appears to be some sort of home loan that I took out in XX/XX/2008 through my mortgage company, XXXX. During the mortgage crisis my home went into foreclosure and the company was sold to XXXX XXXX XXXX. I was able to modify my home loan and refinance all the debts owed at that time. I have since refinanced my home and am in good standing. Any prior home loans were taken out as secured by my lenders and when modified I received reconveyances and title insurance. This appears to be a scam and a modification of my original secured home loan that was refinanced. Apparently, they believe they can collect as unsecured but won't give me any information to date. I dispute taking out any unsecured loan. I have never paid anyone or am I aware that I owed anyone separately. I can get reconveyances and title reports if necessary. I further dispute this debt as they say it was taken out in XX/XX/2008 and is no longer collectible according to a Financial Credit Act. I was in financial distress for years as a result of medical issues and XXXX  that left me with an XXXX XXXX XXXX XXXX XXXX/XXXX/and XXXX. I dispute this debt and ask that the 1099-C be voided. Thank You!
My prepaied bluebird checking account, by american express was charged {$300.00} on XX/XX/XXXX for purchase to XXXX XXXX XXXX. I contacted my bank immediately to dispute. They eventually issued a temporary credit for the amount. On XX/XX/XXXX I got an email that my account was permantely closed and the credit of {$300.00} was reversed as the fraudulent charge was denied and bluebird considered the charge authorized. They did not provide any proof of this being an authorized charge yet I DID provide proof it was fraudulent. XXXX XXXX provided me with an email stating they could see it was a fraudulent charge and would work with my bank to get me my money back. I provided this email to the bank. They closed my account, are holding all my funds, including my upcoming direct deposit paycheck, XXXX took the {$300.00} from me without proving the charge.
I requested that ChexSystems remove an erroneous address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) from my ChexSystems report. It seems ChexSystems is refusing to respond or remove the offending information.
My wife and I had a bank account with USAA Federal savings Bank starting in XX/XX/XXXX. On XX/XX/XXXX, both my wife and I could not log into our accounts. We called USAA and all they could tell us on a recorded line was that they closed the accounts. We had over {$10000.00} in the accounts combined and several fraud claims they were refusing to investigate. We have retained an attorney to file a lawsuit to recover the funds accordingly.
I returned XXXX items after being approved by the Limited card, I returned the items and was owed a refund of {$120.00}, but the Limited went bankrupt and now Comenity Bank still wants me to pay and I dont have the merchandise as I returned it.
I have been going back and forth with CAP ONE AUTO FINANCE in regards to a vehicle that has been XXXX  out and a title never arrived. This company is still reporting a negative $ XXXX balance on my report after telling me that my balance is {$0.00} and the title is in the mail.
Financed motorcycle through XXXX XXXX XXXX on XXXX XXXX XXXX. Paid off account to {$0.00} balance on XXXX XXXX XXXX. 
Contacted Capital One about title and was informed original title was sent XXXX XXXX XXXX. Never received. Contacted again and was informed that Release of Lien was sent XXXX XXXX XXXX. Never received. Capital One phone representatives have claimed documents were sent to correct address via USPS with no tracking number. 
Included as an attachment is the statement noting that I have a {$0.00} balance on the account. Also included is a scanned receipt of purchase on XXXX XXXX. 
DMV confirmed that Capital One has to send me either the original title or the Release of Lien due to it being a paper copy. 

I originally contacted Texas Attorney General 's Consumer Protection who referred me to the Office of Consumer Credit Commissioner who referred me to the Office of the Comptroller of the Currency who referred me to the Consumer Financial Protection Bureau.
I am in bankruptcy as of  XXXX   XXXX . As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. A hard copy of my credit pulled for work purposes ( all   XXXX   bureaus ) shows a   XXXX   XXXX   XXXX   account. I never had a  XXXX  account. there is a memo that states it  may  be a   XXXX   XXXX   XXXX  account which was included in my bankruptcy.  XXXX  is reporting that it is included in my bankruptcy, as well as is reporting it in collection. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of collections has crushed my  credit score  and needs to removed ASAP. This is double hitting my  credit score  : once for being in bankruptcy and again for reporting me in collection. THIS REPORTING IS ILLEGAL.  XXXX  reports : Collection as of  XXXX   XXXX  to  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  and Filed Chapter  XXXX  Bankruptcy on  XXXX   XXXX ,  XXXX . This information is inaccurate. My wife and I filed for bankruptcy protection on  XXXX . Our Chapter  XXXX  was converted to a Chapter  XXXX  and is still open.
We are trying to refinance our mortgage but Ditech has not been providing the information we are requesting them. We are asking them to provide a mortgage rating for our First and Second loan with them. Our Broker, XXXX XXXX, requested a verification of mortgage on XX/XX/2018. He called the following day and was told that they will provide it to them. They fax the balance of our mortgage to him but did not include the mortgage rating he was requesting, he was told that it will be provided in six business days from XX/XX/2018 but they kept sending the same information. We called, last Monday, XX/XX/2018 and was told that it will be mailed directly to us within 3 business days but never received anything. It appears that they our sabotaging our wish to refinance and seek your help to direct them to do their job and provide a mortgage rating for the past 12 months for our first and second loan with them so we can close our refinance transaction. We don't understand why they are doing this to us.
My federal student loans are currently in in-school deferment. Some of them are in deferment until XXXX of XXXX, others through XXXX XXXX. Yet for years now I have been receiving inaccurate and misleading information from Navient that I have payments due each month. Everytime I log into Navient 's website, it shows a payment due date for the coming month. I also receive misleading and inaccurate information in emails from Navient saying I have a payment due next month. However, whenever I call the customer service hotline at Navient I am assured that my loans are in deferment, there are no monthly payments due, and that I should " rest assured. '' It is difficult for me to discern which information on their website is accurate and which is inaccurate. I have also tried to be proactive to prevent missing any payments or making any late payments. I have requested, multiple times, to set up autopay and link my current bank account so that in the event that a payment is due ( either in error, or because I was simply too confused by the inaccurate and misleading information on their website to understand that this time it really is due ) an autopay would take place. However, Navient continues to tell me that since my loans are still in an in-school deferment I can not set up an autopay. I have to wait until my loans come out of deferment until I can set up autopay. But everytime I log into the Navient website, it looks as if I am in danger of missing the payment due next month. The whole system seems intentionally designed to deliberately trick students into missing a payment and being hit with late fees and interest rate hikes. This causes me extraordinary stress as I never know if I am about to miss a payment or not. For example, according to their website and the emails that they sent me I had a payment due yesterday, XXXX XXXX, XXXX. I could n't call their customer service due to the holiday weekend, so I did n't sleep last night worried I was missing a payment. When I call them this morning they told me essentially to ignore the information I was receiving via email and on their website. But someday ignoring that information could result in a missed payment. When should I ignore the information and when should I heed that information? It is extremely distressing and confusing.
To whom this may concern I sent out a certified letter asking the company to send me a document bearing my signature and they did not do so. The report was removed from my credit account. The company is using illegal tactics because they sent a letter stating that it will not show up on my credit again and it did. They had numerous of time to send a letter or document bearing my signature and that never happened. I am receiving abusing and threatening calls from them saying I owe them. I dont owe them anything and I would like for this illegal tactic to be investigated.
I never did business with XXXX XXXX, they 're consistently reporting inaccurate information on my report stating that i owe them XXXX which i do n't recall borrowing from any credit card company. i disputed this issue by calling XXXX, i never got any response or documentation of proof that i own this complay but the derogatory marks remained on my report.
I have been having my mortgage Loan since XXXX, original loanmade as a NON escrow loan. Taxes were added in XXXX, due to adispute with the City of XXXX XXXX. Original loan was made and serviced by America Home Mortgage, they later changed there name to Homeward Residential. In XXXX XXXX the servicing of the loan was transferred to OCWEN Loan Servicing. Ever since XX/XX/XXXXI have paid my own Insurances. In XXXX of XXXX, I received anescrow analysis for XXXX, giving a breakdown of the escrow, with no floodor home owners insurance being collected.In XXXX XXXX, I receivedan escrow analysis, indicating that Ocwen was going to collect forthe flood insurance and my new payment was increasing by as {$450.00}, for a {$1200.00} flood policy. there was no explanationas to why they were doing this, even though they had proof thatflood policy was enforce, with Ocwen as Loss payee. I calledOcwen to inquiry as to why my payment was increasing by $ XXXXXXXXand was just told they were going to start escrowing for floodinsurance. As I explained to them the Original Lender and myOriginal note and Mortgage contractually did not call for an Escrow. 
I was then told to Pay the shortage and send a letter requestingto remove all escrows, which I did on XXXX XXXX, XXXX, and with in XXXX a new analysis removing the escrow and a new payment willbe calculated with out the escrows. As of this date this has not beendone nor has a new analysis been preformed. I have made theprincipal and interest payments as per my contractual obligationson the Note, each month. However Ocwen has posted the paymentsto the Principal Interest and escrows, even though I have spoken tono less then XXXX representatives of Ocwen, only to be told : it is stillunder review, the escrows have been remove, a letter will beforth coming, you are current on your mortgage, we willrepost the payments etc ..., as of this date NOTHING from them. 
Now they are Reporting to the credit bureau that I am {$3000.00}. 
past due, and this has caused some problems. I have NEVERbeen late on this mortgage and I pay my bills monthly. Thiscompany has a horrible reputation for doing very strangethings to people concerning there Mortgage loans, I feelthat they will want to take my property, which by the way is about $ 50,000..Underwater.
I have an account on my equifax report that is not mine. XXXX is showing on my report XXXX and i did not receive or approve this account. I have sent several requests to this company for proof of debt and have received nothing from them each time. This is fraud and needs to be removed from my credit report immediately.
IN REFERENCE TO MY PREVIOUS COMPLAINT # XXXX, I JUST TRIED AGAIN TO SUBMIT AN ONLINE COMPLAINT/DISPUTE THROUGH TRANSUNION 'S WEBSITE, TRANSUNION.COM, AND I CAN ONLY GET AS FAR AS ENTERING MY EMAIL ADDRESS AND CHECKING FOUR BOXES, AND THEN WHEN I CLICK " CONTINUE, '' NOTHING HAPPENS. NOTHING HAPPENS AFTER I REFRESHED THE PAGE FOUR TIMES. ABSOLUTELY NOTHING. THIS COMPANY IS OUT OF CONTROL. HELP! TRANSUNION ADDED A FRAUD ALERT TO MY ACCOUNT, AND I NEVER EVEN CONTACTED TRANSUNION REGARDING A FRAUD ALERT IN THE PAST YEAR. WHAT IS GOING ON?
i was pulled my credit report and came across this hard inquiry that you applied to my credit report XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing This inquiry could stay on your report untilXX/XX/XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. 
this is a copy from my credit report i have contacted you about this and you told me you have no information on me because i dont have an account with you and i would like this removed off my credit report because i did not give you my permission to run my credit and it was not suppose to be run/checked without my authorization
In XX/XX/XXXX I was paying my loan and Key Bank was applying my principal payments to fees I complained and they agreed to stop this behavior, The statements then started coming with no explanation of the amount due or how previous payments were applied. so from XX/XX/XXXX thru XX/XX/XXXX I called each month to get a principal and interest payment amount from customer service at Key Bank they would tell me the amounts to pay and I would go pay that amount. ( still no explanation on how my payments were applied on my statements ) on XX/XX/XXXX I again called Key Bank customer service for the principal and interest payment amount, I then went to Key Bank where the branch manager told me that Key Bank would not allow me to make any payments. I immediately contacted Key Bank to find out what was wrong. no one could tell me. Since XX/XX/XXXX, the last one and 1/2 years I have been trying to make my principal and interest payment to Key Bank to find that they still wont except any payment of principal and interest. Since XX/XX/XXXX Key Bank has charge me late fees penalty and legal fees which I have objected to. damaging my credit in the process. Key Bank continues to refuse payment unless it includes all late charges and fees. 
Key Bank refuses to reinstate my loan in good standing and except payment from me until i pay all fines and fees created by Key Bank thru no fault of mine. 
Key Bank refuses to provide any explanation for their behavior in this matter or an explanation of the fines and fees I have called and/or emailed on a weekly or daily routine to try and work something out but after explaining the situation hundreds of times to what seems like hundreds of people in many different department I have gotten nowhere except for numerous calls about foreclosure unless I pay all fines and fees. 
I am supper stressed out and concerned about my home!! 
Can you HELP ME please.
Experian is reporting false information on my credit report. Two accounts do NOT belong to me, and these accounts are hurting my credit and my ability to obtain potential employment. I believe these XXXX negative accounts were removed in the past, but sold to another third party collection agency in hopes to collect on a debt that does not belong to me.
I submitted an investigation request to XXXX and Trans Union on XX/XX/XXXX. They were supposed to respond within 30 days, but they have not.
ProCollect sent documentation claiming a debt was owed to a previous apartment community in which I resided. The claim states the debt is owed due to insufficient notice, resulting in liquidated damages of {$1300.00}. However, an addendum to the lease agreement provided two options and the option executed explicitly states that I do not agree to pay liquidated damages. " Lease to '' date of XX/XX/2017 and " move out '' date of XX/XX/2017 showcase that I in fact did not terminate the lease early, nor stay beyond the " lease to '' date. Thus, no debt is owed to this organization. I have provided copies of all documentation to ProCollect, as well as written a letter clearly articulating the above with specific reference to sections within the lease agreement, ledger, notice to impose a claim, and addendum.
In  XXXX   2017, I sent a request to each  XXXX ,   XXXX   and Trans Union regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verif ication.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :   XXXX   : Responded by ADDING an initial fraud alert  Trans Union : R esponded by ADDING an initial fraud alert  XXXX  : Has failed to make any response to the request.
I have an IBR plan. My first payment was due XXXX XXXX or XXXX. 
I set my online banking to mail the payment so it got there by the deadline. I got an email on XXXX XXXX or so saying that my payment was late. I called and spoke to someone who told me she had located my payment and applied it to my account. Today, I got another call from Navient saying that my account is 20 days past due. They are saying that I have to get proof that the payment was sent from my bank because they ca n't find it, even though the woman I spoke to earlier this month TOLD ME SHE FOUND IT AND APPLIED IT TO MY ACCOUNT. Even if she had n't, they should have processed it by now anyway. Since this is my very first payment, I am very worried that Navient ca n't correctly process my online banking payments and that I am going to have to deal with this problem every month. I also do n't want to have to go through this rigmarole of phone calls and sending proof of payment every month just because they ca n't keep track of payments. They also offered to give me a forbearance until this is resolved, but that is really dishonest of them since I only am allowed a certain amount of forbearance during the life of my loan. I should n't have to use it to let them fix their mistakes.
Hospital never told me I need to make a separate payment ( 1 ) For hospital ( 1 ) Hospital doctors Found out toward end of XX/XX/XXXX So need doctor part put under a low payment agreement {$10.00} a month After see faithfully at paying starting to become removed not as a negative on credit report as is now .So can rebuild my credit to 600 by prayerfully the middle of XXXX for by end of XXXX my home will become Solar energy ( If possible combine into one not several plus as is now on account ) Ask XXXX XXXX XXXX Va for copy of payments been paying toward hospital faithfully and see none toward the Hospital doctors but was never told there was two and both completely separate from each other I would of added this medical expense and been paying on it all ready. 

Will pay through XXXX XXXX XXXX as long as receiving payment
Today, X/X/2017, I found out that there was a security breach at Equifax. Equifax setup an application to check if anyone was impacted by submitting their last name and last 6 digits of SSN. I found that I may have been impacted while my wife was not.
I really hope you can help me, there is inaccurate information on my credit report. Because i'm not sure what information you require regarding each account, i have enclosed a copy of my credit report with the incorrect items circled, and my explanations written right next to them. Please update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. Thanks for your help! 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX