WillisBack/dataset-financial-user-claim huggingface dataset:
After investigating an unfamiliar debt listed on my credit report, which I looked into after being denied credit, I discovered that the debt listed on my report was for a different person, at a different address, for a different and lower amount than listed on my credit report.   I asked   XXXX   to investigate this obvious fraud, and they came back with the stance that they would keep it on my report until    2024  and include my statement detailing why it is fraudulent.     This is a breach of trust and failure to investigated reported debts and uphold accurate credit reporting rules as is required by credit reporting agencies. Because of this misconduct, I request that CFPB investigate this debt repo rt ( previously reported here ) and compel the credit bureaus to increase screening and implement debt validation practices and to be forbidden from reporting false an d damaging information on a consumer 's credit report.     This credit bureau will be held liable for damages caused for acting in bad faith and failing to verify reported debts.
As has been the case for more then 18 month, Experian has transmitted through the United States Mail information that they know to be false, in statements concerning investigation a legally authorize dispute. Additionally due to their insecure credit reporting which offers not process of verification of accuracy, Experian has subjected me to attack by others or entities, and reporting their issues because of their lack of statutory security and verification process inaccurate reporting. 

Specifically Experian is maintaining the almost accurate report on this consumer, XXXX XXXX, Not XXXX XXXX XXXX, the additional XXXX isn't accurate, which means the report isn't accurate. Experian as advised by two credit lenders is maintaining and merging two separate credit files, one accurate associated with this consumer, and a second one operated by some entity or person using similar information. 

The merged report that Experian is subjecting me to has a name of XXXX XXXX XXXX, while removing the name from this consumers report, they refuse to remove the inaccurate information from the report. Specficially XXXX Bankruptcy XXXX is reported as XXXX XXXX XXXX, not XXXX XXXX, additionally the additional merged report operated by some person is using address XXXX XXXX XXXX, XXXX, SC XXXX, and social security number XXXX, which isn't this consumers. If the name has been removed from the report, and while similar in numbers, the number of XXXX isn't mine, since mine is XXXX. I advised Experian that their utilizing that address is creating this merging situation but they refused to address the problem. 

Specifically Experian isn't investigating anything, they are blanket stating that they verify information, as stated the bankruptcy belongs to XXXX, not XXXX which is this consumer. Experian reports an account previously removed but reinserted without the statuory requirement of notification, in the dispute on report XXXX, they removed the name that isn't verified as mine, while not removing the erroneous address of XXXX XXXX XXXX, XXXX, SC XXXX. As stated in previous disputes Experian states that creditor report this address, no creditor on my report report any such address, that's materially false. XXXX with account number XXXX, couldn't possibilily verify because on its first point its name is the name that they, Experian just removed. 

As further proof of the failure to safeguard this consumers information, the following inquiries were obtained with the following social security number but appear on my credit report, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card Appfolion residential screening
Since XX/XX/XXXX, I have received notifications from Creditors SpecialtyService Inc. Due to illness, I did not have the ability to address the debt or communicate with the collector. In XX/XX/XXXX, with my health declining further, I attempt with the help of my sister to resolve the debt. Due to other concerns with finances, my intention was to declare bankruptcy. The only communication ( see call log attached ) with a representative was made in late XX/XX/XXXX, who gave me what I need to do to resolve. All attempts since that phone communication have gone unanswered ( see call log ) and it appears that the company is either no longer in business or my have gone bankrupt. I need to resolve this debt and clear any cloud on title of jointly owned property with my siblings. I am ready to resolve the debt, but have no means to connect with the company to do so.
I disputed the fact that a Chapter XXXX bankruptcy that I filed XXXX and was dismissed on XX/XX/XXXX should no longer be reported on my credit report. The laws clearly state that ChapterXXXX bankruptcy will remain on your credit report for 7 YEARS from the date filed, which it should have been removed XXXX. I XXXX disputed this in XXXX, with Equifax. Equifax reported that this bankruptcy was mine and verified XXXX. As of today it is still on my record. XXXX XXXX and XXXX did remove the bankruptcy XXXX. I again disputed with Equifax in XXXX about the bankruptcy, and again they claimed it was verified as accurate. After talking with a customer service agent with Equifax, they informed me that I had to call the bankruptcy court and dispute the record. On XX/XX/XXXX I called the court, and they advised me that they do n't report anything to the credit reporting agencies and that I needed to consult with an attorney. Nevertheless I 'm getting tired of the run around and the time its taking to resolve this. Especially when the XXXX other credit reporting agencies have since removed the negative information from my file.
I have a business Chase account that was opened in XXXX. Unfortunately, due to my business not doing well I am not able to make payments on this account. ON XX/XX/XXXX Chase reported the late payments to my personal credit. I called Chase on XX/XX/XXXX and asked them how they can report a business credit to my personal credit report.

They told me that is was in my original contract and stated that if I went 120 days that they would report to my personal credit. I asked the Chase rep to please send me the original singed contract so that I can see where it states that. I got a letter in the mail 2 weeks later from Chase stating they can not locate this contract. 

I am 100 % sure that this account should have never been placed on my personal credit and since chase can not provide the contract they should have this deleted ASAP from my report.
CarePayment allowed me to set up an auto bill via my credit card to pay monthly installments. They then shut the auto pay off without my authorization and charged me late payments. 

They had no authorization to shut off my auto pay. The nature of auto pay is that it is automatic, there should be no reason for me to do any " updates '' with them monthly to keep my auto pay turned on. This is just a way for them to charge unwarranted late fees.
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Dynamic Recovery Solutions has called my employer multiple times, even after being told to not call again. First call was about 3-4 months ago, and again today XXXX/XXXX/2015. Phone number of XXXX was left. I have checked my credit report and there is nothing on there that is unpaid.
I am a victim of identity theft. The following debt collection accounts : XXXX XXXX XXXX XXXX, {$960.00}, and XXXX XXXX XXXXXXXX  XXXX, {$12.00}, XXXX are fraudulent, unauthorized and dont belong to me. I have been receiving harassing phone calls daily at XXXX XXXX from representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX XXXX, using abusive and profane language against me, making death threats, threats of taking legal action against me, and threats of me going to jail and prison. I informed representatives from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX   XXXX, that the debt and account is fraudulent, unauthorized and not my debt. XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX, is in violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law.
Me and my wife got approved for a home loan at 4.25 with tier B credit levels. I had a few medical debts that I was told to leave alone considering we had already gotten approved, and we didnt want to change anything that could affect our credit. It was a loan on a construction home that was going to be ready to close on the first of XXXX. With that being said we werent given the chance at a rate lock of the 4.25 because the loan officer and processor couldnt get any paperwork turned in or requested in a reasonable amount of time. The final rate lock would have secured our loan. The problem is that they never discussed any of this with us when it was supposed to be done which was 90 days before XX/XX/XXXX. When they did finally decide to run the credit for the rates, a few medical bills in the past opened up as new open debts. This caused my score to drop well below any approval for any mortgage. I do understand that the medical debts are still my responsibility. I also take full responsibility for my debts. My problem is that I was following the directions of the bank employees step by step and they decided that they would reciprocate their efforts with laziness and lack of communication. I do apologize for the complaint being out of order and misdirecting. I have been put through six months of an emotional roller coaster. Just to have to be given a very hard and unclear no to the house that we watched be built from the ground up. The personal investment that was taken by Navy Federal and their lack of commitment can not be undone. I really hope that other customers dont have to be put through what me and my wife have been put through.
XXXX doubled the balance of my loans on my Transunion CRA. A lot of the loans are duplicated. Please fix this as it is showing an inaccurate statement of debt.
I want information about how people are obligated to have their information shared with the credit reporting agencies. I called and spoke to a lovely representative who explained that people can not opt out of having their credit information shared. She read a passage and tried to guide me to it, but I can not find that information, regardless of the terms I use in the search. I do n't know by what authority credit reporting agencies have a right to information. All other breaches of information are with stores or employers - where people voluntarily used their services and provided their information. In the case of Equifax, sharing information is not voluntary.
XXXX is saying I owe money. I have not used XXXX in over 10 years. Yet debt collectors keep reselling an old account. Copied from my credit report : Account Details Last Reported XXXX XXXX, XXXX Collection Agency CONVERGENT Original Creditor XXXX XXXX USA Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$970.00} High Balance {$970.00} Remarks Placed for collection Creditor Contact Details CONVERGENT OUTSOURCING XXXX, WA XXXX ( XXXX ) XXXX
My account with Kohls was closed because my husband died. They told me to open a new account in my own name. I have always paid my account on time. Closure dinged my stellar credit rating. I have a Kohl 's MVC ( valuable customer rating ), entitling me to discounts, etc. They ca n't transfer this to a new account. The response to my complaint about closing my account and inability to transfer my status, was '' we 're very sorry, please call the company president. " So much for being a good customer. Kohls = Scrooge in my opinion!
On XX/XX/XXXX, I purchased a pair of XXXX audio headphones. After using them, I was n't satisfied with some of the features such as sound quality and noise cancellation. On XX/XX/XXXX, well within the 30-day return period, I proceeded to the store to return the item. I was then told I was not allowed to return the headphones. When I inquired as to why, I was told that I had made " too many returns '' and could not return merchandise for 1 year. I was given a slip with the name of the third-party vendor that BestBuy utilizes to monitor return activity. Nowhere is such information listed on their receipt, or in the store. The merchandise was functional and completely returned in the original packaging. When working with the BestBuy Executive Resolution Specialist, follow up was by coincidence slow to intentionally ensure if I were able to return the item, I would miss the 30-day window. After demanding an update, XXXX informed me that she was unable to lift the blackout of returns and offered me a {$100.00}. At that time, I advised how disgusted I was with the treatment and felt that since this was the best customer service I could get, I 'd take the gift card. HOWEVER, XXXX, denied my acceptance of the offer, and instead informed that XXXX XXXX XXXX   that I declined. Per the documentation, that is an outright fabrication. This return policy is deceptive. We as consumers do n't have any idea that our purchases and returns are even being monitored. Let alone, that we only have limited capability to truly determine if we 're satisfied with the purchase. This policy is well hidden and extremely convoluted leaving a consumer to feel as if they do n't have rights. This is an unfair and deceptive business practice employed by BestBuy. First, as an Elite member,  we are given 60 days to make returns based on the volume of purchases. Secondly, as a BestBuy credit cardholder or Elite Member, they NEVER disclose that they track purchases based on your e-mail or account information to limit the amount of returns you can make. So while BestBuy has their " general '' return policy posted in stores, what they do n't advertise is that they have two separate return policies in place that greatly limits the consumer ability to fairly choose whether a product is right for them. Therefore, I demand that Best Buy honor their offer of providing a gift card, as well as lift the " blackout '' of no returns from my account immediately.
I noticed multiple inquries on my credit report with all XXXX bureaus ( XXXX, Transunion & XXXX ) that I did n't recognize. I sent each bureau a letter in writing advising I did n't authorize the inquries. I also noticed that on XXXX alerted me that my personal info was sold on some black marker website. I need all of those inquiries on my report removed. The only inquries that I authorized were my mortgage from XXXX XXXX.
I accidentally submitted a payment of XXXX ( full balance, not the statement balance ) to be paid from a checking account. The payment was posted that business day, however the balance in the checking account was not at XXXX. This payment was kicked back. The following business day ( a Monday ), the checking account balance was above that amount, the payment was retried, and completed successfully. 

I was charged a {$25.00} for the return and retrial of the payment. I do n't believe it cost the company {$25.00} to perform this service. It seems to be a purely punitive measure by the Credit Card company.
California Accounts are not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... They also have not sent me validation of the debt.
My complaint is about Navient and in particular one of their collectors, XXXX. Several years ago my son applied for a student loan in which we cosigned for. He had been making payments until he was injured on the job and was fired. He is presently unemployed. He has tried to make payments, however small, in good faith, but because it 's not the amount they want they have refused them. They have contacted us on a weekly basis for payment, but we are unable to pay. My husband is very ill and we are struggling with our own medical bills and are heavily in debt. I understand it is their job to try to collect but it hit an all time low this week when they started calling my place of work. ( I only work part time because I take care of my husband and take him back and forth to his doctor 's appointments. ) The worse, though, is when I got a call for my boss last night that they somehow got a hold of her private, unpublished home phone number and harassed her XXXX daughter! This has got to stop! I 'm afraid it is going to cost me my job.
Capital One Bank allowed my XXXX year old, by going online to their site, to set up an online banking link to a custodial savings account with no questions asked and no notification of the adult custodian. He was also allowed to switch from paper statements to electronic with his email address as the recipient, so no one would know. He then was able to make XXXX separate ACH withdrawals totaling {$750.00}. The " Bankers '' at our branch were mortified, telling us that if he walked into a branch he would not have been allowed to conduct any business without the custodian on the account. They tried to help us but the only thing they seemed able to do was to refer us to the online banking fraud department. An " investigation '' was done, and not surprisingly, no fraud was found, as the end recipients of the transfers answered the inquiries saying there was no fraud involved. No one beyond the branch personnel seems to understand or take any responsibility for the negligence of the bank in breaking their own rules. Custodial accounts are set up to protect the money from underage individuals without the maturity to manage money. This has been a monumental breach of trust. I ca n't imagine we are the only people this has happened to. I believe the bank should restore the funds to the account, regardless of whether they can get the money back from the end recipients or not.
I have been paying this Equity Home Loan for 10 years. I have paid over {$100.00} every month for the past 10 years and this month they said that I will now have to pay {$220.00} a month and if I do n't they are going to take my home. I am XXXX and XXXX and I get a total of {$820.00} a month. I do n't have enough money to pay my mortgage, this loan, utilities and have food to eat. These people prey and the elderly and are trying to take my home. They said that all the money I have paid for the past 10 years has not been taken off the loan at all. After 10 years I still owe the same amount if not more.
This is the second request for help with my mortgage. I currently owe XXXX to prevent foreclosure. I was denied a second time any workout options. I am required to pay the full XXXX before XXXX XXXX. I explained to my mortgage company that my husband got a part time job for more income but no other options were offered. 

Please help me.
I have filled numerous complaints with TransUnion and they finally responded by removing the 3 loans that were originaly XXXX XXXX XXXX XXXX # XXXX which were well over XXXX years old. XXXX sold these same loans to XXXX XXXX XXXX. 
TransUnion only removed just one of the XXXX XXXX # XXXX and not the other 2 were left on the report. The remaining 2 also need to be removed. These other 2 loans are both numbered the same which are # XXXX both reported on X/XX/17 according to theTransunion Resolution Summary. 
The remaining 2 XXXX XXXX are the same XXXX loans and need to be removed from my credit report also. We were warned by the refinance agencies that TransUnion would be difficult to deal with and they were right.I am old living on a fixed income and need to refinance my house but the the game playing by TransUnion still continues. Why did n't they remove the others like XXXX did?
Our loan was sold by XXXX XXXX XXXX to Seterus. We were not notified. We called because there was no loan statement sent. XXXX XXXX XXXX advised us of the change, and when we did hear from Seretus, they assured us were not late. My wife called them to confirm. Less than two weeks later, on a Sunday, we receive a FedEx package advising us we are in default and threatening foreclosure.
The company is from California so I know no one in that state I live in New York. This caller started in XXXX and calls were every other day. After two weeks I started to notice it was once a day I answered the phone and no one answered. This is now XXXX and I saw it 2 times a day and also in XXXX Now in XXXX three times a day. Today XXXX/XXXX/XXXX they called me at XXXX I answered and no answer. So I got the Number from my phone and called it. It was a collection company. I could not here the name because the woman spoke with an accent. I am not feeling well and I have had enough. I want this harassment to stop as I said they are calling me 3 times a day. The name of the company is called XXXX XXXX XXXX. I just called them again and a man answered I understood him and he said this is an attempt to collect a debt.
Equifax would not let me get past the security questions, which were all questions related to a Home Mortgage loan than I never took out, which makes me suspect that fraud may be involved and I need to know what the proper route to take is to identify if any fraud has been made. 
XXXX XXXX XXXX XXXX XXXX
Regarding Selene Finance : Recently I applied to refinance my home. The new company I'm working with says that I have a 30 day late payment for XX/XX/2017. I've submitted evidence of my XX/XX/2017 payment being paid on time yet they have continued to report it as 30 days late. They opened an investigation and somehow concluded that it wasn't paid on time, even though I sent them bank statements as well as the check from the bank, showing the date it was paid. ( This was last year when I tried to refiance then as well ) I've tried multiple times to speak with a supervisor of the company and every time I call, I'm told that I need to call back as they are too busy. I've called over 20 times now and still get the same response. Currently I have received a letter stating that they are investigating the situation again, just like they did back in 2017. This process takes up to 60 days and I'm currently trying to refinance my home with another lender, again. The new lender states that we are in jepordy of losing the rate lock due to the amount of time it is taking for my current company Selene Finance to fix their mistake. Please do something to get these people to fix what they messed up. 
Thank You, XXXX XXXX