WillisBack/dataset-financial-user-claim huggingface dataset:
I have  sent Autotrak several certified letters concerning the false, bogus info they are sending to the 3 credit bureaus. They 're re-aging this account to keep this negative info on my credit file longer which is hurting me mentally, physically and financially. Autotrak h as violated laws under FCRP/FDCPA. If this account is not remove ASAP I will sue them for defamation and financial injury  (   XXXX  vs.  XXXX   XXXX  ) which carries a fine of $  XXXX /per violation.   I never received any type of paperwork  from Autotrak.  I spoke to  XXXX   ( Customer Service ) ext .  XXXX  on  XXXX / XXXX /  XXXX    XXXX    XXXX   he told me the address they had on file was a  XXXX   XXXX , Georgia address and on  XXXX / XXXX /  XXXX    XXXX  I spoke to a  XXXX  ( Customer Service  ) to ld me the same the same thing. I have NEVER lived in Georgia!!! I updated my address with  XXXX .    XXXX  told me the balance was {$12000.00} and the date the contract was sign was  XXXX . After speaking with  XXXX  she told me the balance was {$5900.00} and contract was sign ed  XXXX .She al so told me my last payment was  XXXX .  Autotrak is reporting false info which against the law. This is the reason they not replying to my certified letters!!!
- XXXX/XXXX/17 I got identity theft and XXXX ( American Express ) called me to confirm if I applied for it. 
I said no and they cancelled it However they did not cancel my hard inquiry and I called them back to remove this. 
The reps did not know how to go about this as they were unable to find my application. 
So they hung up on me few times which left me with no choice to contact the CFPB. 
I even asked XXXX to remove the hard inquiry but they were unable to. I thought this was weird too since XXXX  handled it very well and quickly. 

XXXX XXXX also sent a declined letter of an application that I DID NOT submit. 
Yet they are also hard to reach to get this hard inquiry removed too. 

Please advise how I can get this amended immediately.
Wells Fargo has charged me a {$15.00} fee in connection with an individual ( relative ) wire transferring money into my checking account. Wells Fargo refuses to refund the full wire transfer fee of {$15.00}. My position is that the fee is unfair, inequitable, and that Wells Fargo did not fully and properly advise me of this fee when I opened the account.
I HAVE CALLED THIS COMPANY NUMEROUS TIME AND i ALWAYS GET THE COLD SHOULDER OR ONE OF THIER REPS TELL ME THE PERSON THAT HANDLES THIS IS ALWAYS OUT OF THE OFFICE. THIS DEBT WAS PAID BY MONEY ORDER LAST MONTHALSO i HVE CALLED THE COMPANY FOR XXXX WEEKS STRAIGHT
I reviewed my credit file. Found information I did'nt recognize. I contacted the company which was reporting the negative remark on my credit with a copy of my credit file, my government issued I.d . and social so I could be easily identified. I received a letter from the company ( XXXX XXXX XXXX ) stating they were not able to locate my information in there system and it was in fact incorrect and contact the credit agencies. I called the 3 agencies and sent in my government issues i.d., social, and a copy of this letter and an explanation to get this information removed from my file. They stated they couldnt locate the files multiple times. Tired of getting a run around I filed a complaint with the cfpb. The agencies then stated they would " investigate this '' they sent me a letter stating they were able to verify it. Stating nationwide stated this even though i got a letter from them stating otherwise. Nothing was attached or sent as proof that the debt was verified. They have failed me a a consumer as they did not properly investigate the matter and send the required proof that was used to verify the debt. I will attach the letter I received from nationwide recovery themselves as my proof. I have done everything that is required by me and I expect XXXX/Transunion/XXXX XXXX XXXX to do so also.
I have been waiting for my title pink slip to be returned to me long ago after I paid the loan off, as a Disabled Veteran and elderly person the company had no idea where it is? 

The Calif. DMV said that the company has a history of failing to return title loans after they are paid off.
My complaint : TransUnion crediting reporting agency refuses to allow me to access my free annual credit report online. 
Background : In XXXX I enlisted the assistance of the Office of the Missouri Attorney General to gain online access to my TransUnion annual credit report. On XXXX XXXX, XXXX, I was able to access the report online. In XXXX I skipped TransUnion. On XXXX XXXX, XXXX I attempted to access my free annual credit report from TransUnion online. As soon as I entered my identifying information, TransUnion 's system displayed a message refusing online access. Several weeks later, I received an unsolicited paper copy of the report, which is unacceptable : I want online access. 
Here is how the CFPB can help me:1. Please find out why TransUnion refuses to allow me online access to my free annual credit report ; and let me know the answer. 
2. Require TransUnion to allow me to have online access to my report each year. 
Thank you.
Summary : Equifax is deceptively phishing people into waiving the right to participate in class action lawsuits. They 're doing this by setting up sites like https : //trustedidpremier.com/, that ask for PII ( last 6 of social and last name, which can be used to derive entire SSN ) without explaining that entering the information means you agree to the Terms of Use, which includes waiving the right to class action lawsuits. And after a hack that exposed close to 50 % of the US population, it 's a bait-and-switch designed to cover their interests instead of the people who info they exposed. 


Long Form : EquiFax got hacked in XXXX, and 3 managers sold {$1.00} million USD in stock between the time of the hack and when the details were announced ( XXXX ). 

Equifax touts itself as a credit authority, forcefully storing my private data, including my full SSN, addresses, accounts open/closed/loans, full name, and other facets of my identity. Apparently they participated in painfully lackluster Operational Security between sites, leading to a breach that affected about 1 in every 2 adults in the United States.
All that aside, they 're probably going to walk with a slight fine, and they 're still going to have access to my information.
They 're pushing sites like https : //trustedidpremier.com/ to " check to see if you 're affected '', but do not tell people : ( 1 ) Checking to see if their private information was exposed when their systems got hacked means they automatically agree to their Terms of Use, containing a clause that waives your right to class action lawsuits.
2 ) They still need to wait a week and physically see if the company whose poor security threatens your credit threw you under the bus. No automated emails, I have to manually go onto their website next week. 

For something that is completely out of consumers ' control, why do people have to go out of their way to mitigate their exposure to the mistakes of a " credit authority ''? I get it, I work in XXXX, and the User Agreement/ToU helps catch bad guys and things like that, but for something that will very likely lead to a class action lawsuit, it 's a deceptive practice to create a website that claims to check whether or not their main business exposed PII to hackers, but instead allows for them to have a list of everyone who waived the right to participate in the all-but-inevitable class action lawsuit. 

Since XXXX is a " company of EquiFax '', one is led to believe : 1. The time between the hack and the announcement was filled setting up XXXX as a corporate phishing attempt to get a list of people who " volunteer '' for ID theft mitigation at the cost of participating in a class action lawsuit. Mind you, I can freeze my credit outside of Equifax, so their service is not only redundant, but anti-consumer. 

2. They still intend to passively accept and store people 's PII as though whatever attack vector has n't been exposed. 

They also lied ; they said that people 's SSNs were n't exposed, but other reports indicate that they were
pursuant to FCRA they did not provide a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) ... ( A consumer contract with my signature on it ) in under section 611 ( 5 ) ( A ) of the FCRA- you are required to ... properly delete all information which can not be verified The law is very clear as to be civil liability and the remedies available to me for negligent non-compliance
About the two accounts Private Student Loans of my Daughter and I am the Co Signee own by : American Education Services the amount are {$14000.00} and the other is {$15000.00}, its a Default since 2006. Right now in Credit reporting Agency is in accurate of the total amount??? ... ... Then this collection agency the XXXX XXXX XXXX .they buy the loan..is XXXX  balance and charge off ... .Now they sue me and there is Judgement already freeze my bank account and garnish my salary. and the Limit of Limitation passed Already and what i need is the Debt Validation ... Any help can be appreciated on you company ..Thank you very much
This is in reference to case number XXXX. This case was summarily closed as being a duplicate. In actuality it was attempt to clarify the erroneous result of the investigation. 

Please consider the following : Attn : CFPB, XXXX XXXX Thank for the time and effort you have given to my situation. 

A. The matter regarding credit for {$5000.00} for a charge made to XXXX B. The matter regarding credit for {$2800.00} for a charge made to XXXX a. The result of your review is based on your misunderstanding of the timeline and coincidence of the amount and reason ( s ) for disputes. 
Recognize there were XXXX separate charges for {$5000.00} in close to one another. The first was to XXXX ; transaction XXXX and the other to someone from XXXX XXXX, XXXX, NV : transaction XXXX. 
I called in a dispute in XXXX. 2016 for the transaction XXXX in the amount of {$5000.00} by someone in XXXX NV. I did not make this charge. As you can see by the foreign fees I was in XXXX. Yes when noticed this charge I immediately called it in. The card ending in XXXX was cancelled by your fraud department and I was given a new number ending in XXXX. This was handled as it should have been and thank you for the great service at that time. 
Now fast forward to present time. I am now disputing the transaction XXXX, a charge I did make at that time in the amount of {$5000.00} to XXXX. XXXX has been shut down for fraud by the government and has gravely impacted its members due non-access to products and services and the internet marketing system. 
b. The charge for {$2800.00}, transaction XXXX to XXXX  was mentioned in the initial case submitted through CFPB. This is a charge that also represents the payment made to this failed company. The refund in the total of {$7800.00} is requested. XXXX + XXXX = XXXX. If I have to or there is a need to file a separate claim for this charge based on the same reason : FRAUD, then I will do so. Please advise. 

My response is in direct response to XXXX XXXX, XXXX XXXX, XXXX XXXX  received by mail.
I sent a response letter to Enhanced Recovery Company, LLC XXXX XXXX XXXX, XXXX, FL XXXX on XXXX XXXX, 2015 to verify and confirm a debt they claim was mine, and I never received a response. Yet within 30 days of the letter sent to the this Collection Company, they immediately reported a deliquent notice of {$450.00} to all three bureaus. 

This Credit Company violated all my rights. According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e - False or misleading representations. 

I contacted the original Debtor to further verify and confirm the nature and validity of the debt, and " is '' this debt associated to me or an act of false identity. They confirmed to me via telephone conversation that there was no debt of this nature found in there system or outstanding! 

As a result of Enhanced Recovery Company, LLC reporting an erroneous and false claim, I am personally being injuried via the this credit report. My credit scores has fallen from XXXX down to XXXX which affects my work and economic status. 

I would like to seek financial relief in addition to having my credit reinstated by all three bureaus immediately!.
The company involved is Zions Bancorporation, N. A. The issue is the fraudulent way they go about requesting proof of insurance. I would say at this time, the problem is systemic within the industry. The scam goes like this. Your mortgage company request proof of homeowners insurance for a mortgage. However, they require that it be sent by facsimile only. WHO USES FAX IN THIS DAY AND TIME? I am surprised they don't request a stone tablet. Anyway, it makes it too convenient for the mortgage company to say that they never received the fax. THEN, they charge your mortgage balance for insurance. They don't tell you exactly, and you would never know because your payment never changes but the banks and mortgage companies are pocketing millions in fees. I know because I check my account. ALSO, this is the second time that this has happened with this particular organization. And the last time, they vowed that they would take emails. THEY LIED. All companies I have ever done business with employ these tactics to take advantage of poor and unsophisticated mortgagors. There should be a law against this practice.
I have actually tried working with this mortgage company for almost XXXX years now ( as have many others ), I have filed for loan modification which was a waste of time and effort and resulted in several more months of additional reasons of non-acceptance of paperwork, which is very hard for me to do, and thousands of dollars more owed as they would accept no payments or funds from us but kept adding not only paymrnts, but fees, insurances and other amounts as they like. 

But on to the next chapter and questions as I am done fighting that which is like hitting your head against a brick wall, they have is a reason for everyhing, regardless of if it makes any sense or not and I am not well enough to keep this up. 

What I need to know and can not get answered is this question, again of which the answer may involve many thousands of dollars. I can not get an answer. I do not think ghe wuestion is difficult but it is extremly important to have the correct answer before we proceed. Specific question follows :
I believe that the XXXX credit bureaus are grading my credit report in a discriminatory fashion and allowing companies to add negative items that are inaccurate and are not being properly varified by the credit bureaus. Which has caused my credit score and report to suffer as a result. And, cause me hardship in my personal finances. Which has allowed lenders to disqualify me for different loan products, such as credit cards and home loans. So basically, it 's not lenders being discriminatory, it 's the credit bureaus. Because the are not making companies report adequate evidence to prove the the validity of the claims, which they would not do to other Americans consumers.
In XXXX 2015 I bought a foreclosed property owned by U.S. Bank National Association. We closed on the house on XXXX XXXX, 2015. Upon Inspection of the Settlement Statement ( HUDXXXX ), it was discovered that there was an error in how the prorated property tax was figured and I was shorted by about {$260.00}. I have been in touch with the settlement agent XXXX XXXX XXXX XXXX on several occasions. They acknowledge the error and they have said that they have referred the matter to the seller ( U.S. Bank National Association ) for payment of the amount they shorted me. However, After more than 5 months, I have not received the payment due me. I am attaching a copy of the Settlement Statement and copies of all emails between me and the settlement agent documenting all our interactions regarding this matter.
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to XXXX for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
I am filing this complaint because Optimum Outcome has ignored my request to provide me with the documents that their company has on file that was used to validate the account I disputed.I have sent a debt validation letter to Optimum Outcome and have yet to receive a response in regards to " my '' so called debt that was sent Certified mail and i have proof showing that it was received. I actually did received a response for a completely different person/account that does not even live at my location. Being that they have gone past the 30 day mark and can not validate these accounts, they are required to promptly delete all information which can not be validated. Please resolve this manner as soon as possible. Thank you.
On my correspondence to the credit bureaus last XX/XX/XXXX, I disputed how this account is still reporting despite the following : - Collecting and pursuing collection on an account that is way passed the statute of limitation. - Collecting and reporting an account that has been sold several times to different companies. ; - Collecting debt on an account that they dont have lien which I believed made this invalid.- Collecting debt on an account that they dont have lien which I believed made this invalid. ; - From the original Lender to the succeeding companies who acquired and transferred/sold the account I NEVER receive any notification that there has been any sale or transfer from one company/lender to another. I never received anything back from this company nor from any of the credit bureaus. I only received a response from XXXX that the item has been removed but, this invalid item is still reporting to XXXX and Experian. XXXX ref # XXXX.
" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Experian XXXX Account Number ( XXXX ), Name ( Collection Account ), Amount ( {$340.00} ) -- -- -This account is not a legit report. I never recieved a bill from XXXX Hospital. I called and verified that they had the incorrect address. As soon as I found out this account was reported on my credit as a collections I contacted them and paid ASAP. They stated that they apologize but there 's nothing they can do to remove it. If I had received a bill I would 've paid it then. Please remove this from my account as it was not my fault that I did not receive a bill but it is paid and should n't have been in collections to begin with. 

XXXX Account Number ( XXXX ), Name ( XXXX ) -- -- -This account is due for removal XXXX. Now when it got close for it to be removed it changed to a later date. It 's been negatively reporting on my credit for 7 years already. Please remove ASAP. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit. 

XXXX Account Number ( XXXX ), Name ( XXXX XXXX XXXX ), Amount ( Unknown ) -- -- -This account has been transferred and is reporting properly on same report. Please remove this from credit as it is a duplicate with a unknown amount that 's hurting my credit.
I have a mortgage with Freedom Mortgage. Previously I paid through my local bank. They sent the company a PAPER check. 

Starting in XX/XX/2018 it was done by Electronic transfer. 

I have sent the company three payments totaling {$19000.00} in XX/XX/XXXX. 

NONE have been credited to my account as of XX/XX/XXXX I called my Bank in late XX/XX/XXXX and they confirmed that the payments were sent through the " Federal Reserve ''. 

They contacted the mortgage company - no response from the mortgage company I contacted the Mortgage company and was told they were aware of the problem. They were conducting an " investigation '' to find out why, internally, they did not credit the payments to my account. 

They, so far, have not credited my account and have not communicated the results of their internal " investigation ''. 

I do not think I should have to wait to get my money credited while they decide where their internal controls failed. 

Plus what do I do about my next loan payment?
I 'm trying to get my credit report from Equifax. I got some weird questions that I have done nothing with said company to open a mortgage, bank card, etc. and it said I failed the security check for these stupid annoying questions.
Chase has consistently reported a credit card account for me that is not mine. They have sent it to collections and received a judgment for the monies even though my repeated requests for them to send me a copy of the signed card agreement has not been met. I had XXXX signature loan with Chase back in 2007 which has been paid. I had no other accounts with them.