WillisBack/dataset-financial-user-claim huggingface dataset:
***First off this is not a request for any kind of fraud alert or Security Freeze to be put on my report**** DO NOT PUT ANY KIND OF ALERTS OR FREEZES ON MY ACCOUNT. <P/>I have to say this upfront because EXPERIAN is really bad about just putting a freeze on the report as their way of saying they have responded to my request. <P/>The FCRA Specifically says that all credit inquiries must be back by factual truth and proof to show permissible purpose and I am here to say that EXPERIAN is not following the law. They have inquiries on my report that do not show factual proof, truth or permissible purpose and they WILL NOT REMOVE THEM. <P/>I am demanding that the following inquiries be removed from my credit report as you can not produce permissible purposes for them. DO NOT SEND ME A RESPONSE BACK SAYING THEY MUST STAY AS A PART OF FACTURAL RECORD AS WE BOTH KNOW THAT IS A LIE. 1. XXXX ONXX/XX/XXXX I DO NOT HAVE A XXXX ACCOUNT AND THERE IS NO FACTUAL TRUTH OR PERMISSIBLE PURPOSE SHOWING THAT I WAS GRANTED A LINE OF CREDIT WITH THEM. REMOVE THIS IMMEDIATELY. 2. XXXX XXXX XXXX ON XXXX THEY DID NOT RUN MY CREDIT FOR ANYTHING AND I AM DEMANDING THAT THIS INQUIRY BE REMOVED 3. XXXX ON XXXX I HAVE NO IDEA WHO WHIS COMPANY IS AND THIS MUST BE REMOVED IMMEDIATELY AS I DO NOT HAVE ANY ACCOUNTS WITH THEM. 4. XXXX ON XXXX THEY CAN NOT SHOW PERMISSIBLE PURPOSE THEREFORE THIS INQUIRY IS AGAINS THE LAW, REMOVE IT. 5. XXXXXX/XX/XXXX I HAVE NO IDEA WHO THIS COMPANY IS AND I WANT THIS INQUIRY REMOVED AS IT VIOLATES THE LAW REMOVE IT 6. XXXX XXXX XXXX. XXXX I AM DEMANDING THIS BE REMOVED. I NEVER HEARD OF THIS COMPANY, AND I DO NOT REMEMBER ENGAGING THEM FOR CREDIT, THIS IS AGAINS THE LAW SO REMOVE IT. <P/>ONCE AGAIN YOU DO NOT HAVE MY PERMISSION TO PUT ANY KIND OF SECURITY FREEZE OR FRAUD ALERT ON MY ACCOUNT. YOU ARE THE ONES BREAKING THE LAW SO STOP IT, AND REMOVE THE ABOVE INQUIRIES IMMEIDATELY.
Capital One 360 has locked my account for no reason and I ca n't access my funds. I 've called them to close my account and send me my funds. They have yet to do so. Whoever 's reading this, DO NOT do business with this company. They have the worst customer service I 've ever experienced with an online bank!
There is an Equifax hard inquiry on my credit report dated XXXX XXXX. I do not recognize this inquiry nor have had my credit checked during that quarter. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.
I filed a complaint last year but thinking that Chase was going to resolve the issue did not follow through with it. I am still about to lose my home after Chase lost my cashiers check and my loan modification paperwork, only to find it a year later. Even though it was found they still will not work with me on a modification. The modification that was worked out in 2010 was perfect. I should not be punished for them losing my paperwork. I have all the documents that i can send to you from the past 4 years. I dont want to lose my home. It is not my fault that my paperwork was lost. Please help. I want to go to the original loan modification in 2010. The finance rate and payments where going to alot lower. My rate now is 8 %. I am just an average person trying to make a living but wanting to keep my home ...
I contacted Equifax today at XXXX to follow up on an investigation regarding XXXX. I spoke with XXXX of Equifax ( id # XXXX ). She asked me to verify my name and when I did, she stated that my name has the suffix " XXXX '' at the end. I told XXXX that my name does not have any suffix. XXXX told me that I needed to send in my identification. I informed XXXX that I had sent my identification and social security card to Equifax over 30 days ago. I also informed XXXX that I have already disputed this information with Equifax around XX/XX/2017. XXXX did acknowledge receipt of my identification. 

Even after Equifax received my identification to verify my name, Equifax has continued to report information about me under a name that does not belong to me.
Due to unwillingness to secure their databases properly, Equifax ( and more importantly the individuals whose personal data they keep ) fell victim to a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Information on some XXXX and up to 44 million XXXX residents was also compromised. The breach was originally discovered on XX/XX/XXXX although it was not publicly reported until XXXX XXXX, 2017. Equifax executives sold {$1.00} million of their personal holdings of company shares days after Equifax discovered the breach and more than a month before the breach was made public. I too fell victim to the attack and have had my personal data compromised. It is unacceptable and outrageous that a company in charge of protecting such vital information for millions of people could allow something like this to happen.
A XXXX XXXX XXXX, left a voice mail on a distant relatives phone stating his name and that he was with an " Altantic Recovery Solutions debt collection agency ''. Stating '' that its an extremely important matter against her that she contact me immediately. That this was not a solisitation. Tell her to contact me here immediately '' This same message was left on my husbands family, unlisted public answering machine for all to hear. 
Ive never received anything in the mail by this company or ever heard of them. 
they have violated the 3rd party disclosure law and i will pursue any charges that are available to me. 
Thank you
XXXX XXXX XXXX left me without running hot water for 8 days. As recourse I withheld the rent for 8 days as per California Renters Rights. I had XXXX service the hot water heater that should have been replaced. XXXX reported it unrepairable and shut it off to be replaced. Its passed the statue of limitations and I already disputed and won with XXXX XXXX XXXX XXXX. Credit Bureaus Associates contacted my employer under false representation using false statements. They informed HR of this debt not owed. The caller Id showed XXXX XXXX rather than CBA. The rep was rude, harassed me and would not allow me to speak. I was never asked to be recorded nor was a pre recorded disclosure played. Call made X/X/17 at approx XXXX XXXX
Applied for XXXX dollar loan lende wanted 24 payments of XXXX paid back to them. 
Big rip off over XXXX dollars for only XXXX loan.
I have been trying to contact both XXXX and Experian to place a freeze on my credit report for several days. I was XXXX of the persons affected by the XXXX breach. 

For XXXX ... each time I try to enroll in their free service and/or request a credit freeze I get a website error. I tried calling their toll free number, but the folks there just referred me back to the website. It 's an endless loop of XXXX in which nothing is working. 

For Experian ... I tried to pay for the freeze on my account to avoid signing up for their monthly service XXXX {$4.00} to start, {$24.00} per month thereafter XXXX, however, I was not able to do that either without sending them a police report showing identity theft. I tried calling, but apparently there are no live humans working at Experian. It was an endless loop of automated system XXXX in this case. 

Next step, call my local police department, and file an identity theft report against Equifax so that I can freeze my credit with Experian? 

Much praise to XXXX. Their process was free and flawless. For Equifax and Experian, I do n't know what to do now. I ca n't afford the expensive private services to protect myself. In my opinion Equifax should be putting fraud alerts out for all affected persons automatically without them having to do anything.
After viewing a copy of my  credit report, I noticed a collection account placed on my credit report from Online Information Services  on  XXXX   XXXX ,    2013  for {$190.00} I am requesting that you let me validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name, and hospital/medical provider to which I owe the debt, and a detailed breakdown of th  e fees that I allegedly owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act { HIPAA }, to protect my privacy and medical records from third parties. I did not give my permission to any of my current or prior medical providers to release my medical information to a third party.
I am aware that the HIPAA does allow the release of limited information about me but anything more is only to be revealed with patient authorization. Therefor, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my identification used upon service and my signature with the provider of service to release my i   nformation to your company Online Information Services Cease any Credit Bureau until this debt has been validated by me.
Gulf Coast is inaccurately and unjustly reporting a debt of XXXX dollars on my credit files. I have never received validation of this debt, or anything proving ownership or I am responsible for payment of this debt. Furthermore, based on the dates reporting on my credit files, if, this debt is mine it would have been re-aged. Re-aging is a violation of my consumer rights and FCRA. This is a common practice by collection agencies to maximize collection time.
I have repeatedly mailed, emailed and called to request that the escrow for insurance be removed from my account, but Ditech still charges me for it and threatens to charge late fees if I do n't pay the full amount. Everytime I call, Ditech notes the change request in the " system '' and verifies that they have received the hand written request and emailed proof of insurance, but still no changes to my account. There is no accountability and I can see why Ditech has filed for bankruptcy, lost XXXX dollars for this type of abuse towards their customers.
On XXXX XXXX, 2016 at XXXX XXXX, I received a call from ( XXXX ) XXXX. The caller was female and stated she was with Transworld Systems and asked me to verify my identity ( last XXXX of my social and/or birth date ) before she could disclose why she was calling. I told her that seemed fishy and I would not give any identifying information without knowing why they were calling. She refused to give more information and said they would contact me by mail. I conducted a reverse lookup on the phone number and it returned to an individual located in XXXX, TX, not any company. 

Today, XXXX XXXX, 2016 I got a call from ( XXXX ) XXXX. I have had repeated calls from this number and no one ever answers on the other end. I had a call from this number on XXXX XXXX at XXXX, on XXXX XXXX at XXXX, and today at XXXX. I chose to call the number back to ask to be removed from their call list. The person answered as " Transworld Systems '' and asked who I was. I gave only my first name and told them I wanted my number removed from their list. She asked if I was ( my first and last name ) and I said yes, then she said they had been trying to reach me. I told her that I had already spoken to someone and they refused to tell me why they were calling. I also told her that I have no outstanding debts and that there was no other reason for them to be contacting me. I asked to speak with a supervisor to be removed from their call list. She never offered to transfer me to a supervisor, but confirmed my telephone number and said I had been removed from their call list. When I looked up this phone number, it did not come back to a company, but showed up on a list of possible scams.
1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.  XXXX  5.   XXXX   XXXX   6.   XXXX   XXXX   7.   XXXX   XXXX   XXXX   8.   XXXX   XXXX   9. Chase Bank To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
I responded per the FDCP Act Validations of debts with a phone call. I attempted to advise the company that this is an open court case that has no decision for any debt owed. I was told I had no rights unless I was an attorney. When I read the Fair Credit Act I was told they would continue to collect in violation of my call. The letter is dated XXXX/XXXX/2016 and my call was placed XXXX/XXXX/2016 after receiving the mailing. The representative first did not identify herself then said her name was XXXX. When I told her she was violating the act and my rights as a consumer requesting to speak with a supervisor, she placed me on hold and then came back and hung up. When I called back the phone call was sent to voice mail and I did leave a message letting them again know this was an unlawful harassment and that I did not consent to third party involvement in an open court case and that it required settlement in court.
Logged into AnnualCreditReport.com to get credit report. Chose Equifax. Clicked on the download PDF button. It brought up a screen that said it can not provide my credit report at this time and kicked me out of the system and would not allow me to view the report.
XX/XX/XXXX At the moment of the Blizzard that was happening that day in XXXX XXXX, I have been at XXXX XXXX which is a XXXX XXXX. On XX/XX/XXXX. My husband XXXX XXXX and I had a flight to XXXX XXXX  where we wore supposed to take the flight with XXXX XXXX to XXXX. Once we got to the airport we have been told that our flight is canceled. We have had our flight booked with XXXX XXXX to XXXX XXXX. Our flight from XXXX XXXX  with XXXX XXXX was scheduled on XX/XX/XXXX.The soonest date XXXX XXXX could reschedule us to get to XXXX XXXX was on XX/XX/XXXX. The claim is for XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX which refused to cancel our flight despite the natural disaster. We couldn't get to XXXX XXXX due to the Snowstorm. We called the XXXX  XXXX as soon as we knew that we won't be able to get to XXXX XXXX. They refused to work with us and refund the flight we couldn't take due to the natural disaster. After that, I called the bank ; they seem to be understanding of our situation. They refunded the money and started the claim.On XX/XX/XXXX,  I saw a transaction of the XXXX flight and XXXX XXXX XXXX was refunded for the service that we never get to use. I'm not sure why the chase company allows them to charge me for the services I never got to use due to a historic snowstorm. I have been a loyal customer for a long time. I send some evidence of my presence at the XXXX at the time, cancelation of the flight, evidence of the natural disaster and ask you to review my claim. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
They continue to call after I 've made a payment on XXXX XXXX and made payment arrangements. Asked them to not call me on Sunday and they call 7 days and week multiple times a day. Then when I call to speak with a Manager they hang up on me.
I have asked Transunion to investigate XXXX XXXX XXXX XXXX reporting of an account on my credit report several time. This account is charged off for the past 5 years but it first delinquency date happened on XXXX/XXXX/XXXX over 7 years ago. However XXXX XXXX XXXX XXXX is reporting this credit card as been paid up until XXXX XXXX, although I became delinquent on this account as of XXXX XXXX and was never able to make a single payment ever again. I have requested payment information from XXXX XXXX credit union several time to no avail. Then I have disputed payments history accuracy with Transunion, XXXX nad XXXX and some how the payment history comes back verified. When I asked Transunion to provide me with name of the person wo is verifying this information they refused.
I was on Bank of America website last week to make a payment to my mortgage account. 
The website was having issues, I was not able to submit a payment. 
I made a complaint via the on-line message center, I never received a response from BOA. I went back into BOA yesterday to try the payment again, there was NO mortgage listed there at all. 
I called BOA, they said the Sold my mortgage to XXXX XXXX XXXX XXXX which is a total SCAM company. I do NOT want my Mortgage sold, I like having my mortgage account with Bank of America. I have several accounts with them. This is extremely distressful and all I want is for Bank of America to NOT sell my mortgage to anyone. 
The worst part is I already, previously had this mortgage with a Scam Company before it was with BOA, it was COUNTRYWIDE MTG. 
I do not need another Scam company handling my Mortgage! Please help! 
Thanks, XXXX
( I a lso did not receive a notice of right to dispute. ) Apex called my cell phone asking for me. They wished for me to verify certain personal information before talking to me, which I declined to give since they did not tell me their name or company information. They said this was about " an account '' I opened ( without any details, no company, no amount ), and did I open said account? I asked what account, and they said they could not tell me until I gave them my information. I declined again, saying I was not going to give personal information to someone over the phone not knowing who they were. They said they were Apex. I said that I have no idea who that is, and declined again to give out information. They said " Then I ca n't help you '', and hung up on me. I had no idea this was a legitimate business until something showed up on my credit report. I never received anything in the mail from them. They also recently called my parents ' home where I no longer live. In this day and age, personal information needs to be protected. It is absurd that Apex calls asking for information without even stating who their company is, the caller 's name, or even what account they are referencing. Any shady person can do these things, why would a legitimate company?
This complaint is against Equifax I have contact Equifax on a number of occasions of an abnormality with my credit report. It appears that XXXX different credit profiles switch back and fourth. XXXX profile showing none of my active accounts and the other showing all my accounts. 
I spoke with an FCRA attorney, the term is called " split '' profile. Meaning, I will see XXXX credit report, creditors will see another ( or in my case XXXX ). For a number a months I have disputed this requesting Equifax to fix this - however, I will get the same automated response by them sending me a new report with no new information updated or stating that the information I am disputing are not reflecting on my credit report. 
I have attached the XXXX credit reports that reflect what I am speaking of. 

This irregularity has caused me not to be granted credit - not able to see what is going on with my credit report and dispute its inaccurate information. 
There are a number of inquiries on my credit report that I did not authorized - I have already contacted each credit granting company on my report with no resolution - and I keep getting denied by Equifax and not showing proof that I authorized those inquiries. 

I would like to add, according to the FCRA attorney these mistakes that Equifax has caused me calls for compensation for my time and effort and violations that they have caused for not fully reporting my credit report.
On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.
The company/collection agency has placed a debt collection on my minor son 's credit report. I have contacted the Credit Bureau Experian and after conducting an investigation on my dispute, they continue to jeperdize my son 's credit history with an account not belonging to him that is been obtained by someone else while he was a minor. Under law, no underage is to open, sign for, or acquire any debts. The account DOES NOT BELONG TO HIM!
Ronald H Reynolds on XX/XX/2018 stated by his letter and signature he was no longer on this account ending in : XXXX and that the creditor XXXX XXXX XXXX XXXX had recalled the account. 
Ronald H. Reynold is still collecting money for this account of {$200.00}. XXXX plus per week. Still mailing me mail about this account and created print outs in which are not correct as XXXX  print outs of how much is taken out. Ronald H. Reynolds is doing no more than committing fraud. If your not on the account why are you still contacting me & filing for updated garnishments with out mailing notice to dispute.