WillisBack/dataset-financial-user-claim huggingface dataset:
On the XX/XX/XXXX, I received a copy of my credit report and found that a lot of the information contained in my credit report is not mine. This information includes the date of birth listed on the report, many Derogatory Trades, Trades, Collection Information, Address Information and Inquiries that are not mine. After reviewing my report and determining that most, if not all, of the information in question, has been added to my report by Equifax. I have been trying to work with Equifax since XX/XX/XXXX to try and get my credit report straightened out but, all I get from them is a generic letter that states that I need to provide more info. I have repeatedly provided the info that they request, and even more info than they request, and I still get no cooperation from Equifax. In XX/XX/XXXX, after getting no response from Equifax, I filled a complaint with the XXXX of XXXX and XXXX Georgia. After filling this complaint, I started receiving the generic " more info needed '' letter, but that is all I can get out of them.
I 'm not familiar with this debt and feel it should be removed. is been reporting for over 5 years and they continue to not work with me to remove it. This is hurting my family 's ability to get the financial help we need. Your help will be greatly appreciated. 

I attached the XXXX collections this same company is reporting and they 've sent harassing mail to me. I would like the all removed from the XXXX credit bureaus.
I am submitting a complaint against Diversified Consultants. Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX They were assigned a collection account in the amount of XXXX dollars on behalf of XXXX XXXX. I contacted XXXX and they stated they were pulling this back from the collections and that I could pay in full and the tradeline would no longer be reported on my consumer file. I paid in full. Diversified is still reporting this negative information on my file. In my opinion XXXX, or Diversified can not completely verify that the debt was XXXX percent accurate because I am owed money due to XXXX being cited and sued by the FTC for over 105 million dollars for cramming and premium text services. XXXX unlawfully charged consumers for 3rd party services that were never authorized. Therefore they can not fully XXXX percent confirm that my account information was accurate. They reported this to Diversified while the FTC was still investigating. While I have paid off this account, I paid it off being told that it would be fully deleted from credit file. Since the debt can not be fully validated from XXXX Diversifed should not be able to report this tradeline on my consumer reports.
My name is XXXX XXXX and my idenity was compromised while serving in the United States Military. The following student loan account were fraudulently opened in my name and are reporting as closed accounts on my Experian credit file. I am requesting that the items below be removed from my credit report. 

1. The XXXX / XXXX -> Account # XXXX 2. XXXX XXXX XXXX Account # XXXX 3. US Dept Of ED / XXXX Account # XXXX
On or about XX/XX/XXXX, I requested an annual credit report from the 3 major credit reporting agencies, ( XXXX, XXXX, Trans Union ). Each one of them issued a report that is incomplete with many years of payment data missing on accounts that remain open and active.

The account information is as follows : XXXX  : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
XXXX : XXXX 1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
Trans Union : XXXX  1st mortgage accounting report stopped on XX/XX/XXXX. The 2nd mortgage accounting report stopped on XX/XX/XXXX. 
NOTE : The 1st and 2nd mortgage was sold or transferred from XXXX to the current mortgage holder known as XXXX XXXX XXXX, ( Currently doing business as XXXX XXXX ), in  XXXX. This mortgage company does not show up on any of the reporting data at all. 

I tried to file disputes with each one of the reporting agencies and was only successful with one, ( Trans Union ), but they rejected my complaint with an attached comment that read, ( Our records show that the information you disputed does not currently appear on your TransUnion credit report ). I already new that and I was specific that I was disputing the missing credit reporting information. The other companies made it as difficult as possible to submit a dispute by timing out the sessions before I was able to complete the information, asking for incredible amounts of information, forcing me to sign up for an account, etc.

I also contacted my current mortgage company, ( XXXX XXXX ), informing them my 1st and 2nd mortgage payments made to their company are not showing up in any of the 3 major credit reporting agencies. They verbally told me that they have launched an internal investigation to correct this problem but it has been over 3 weeks now and I have not heard a word from anyone at the company as to the status of this supposed internal investigation. 

My wife and I are currently retired and living on a fixed income. This situation has placed an undue financial burden on us in the form of increased costs of home and automobile insurance premiums, preventing us from taking advantage of any refinancing and/or paying off of our high interest loans, being turned down for any type of credit due to lack of credit history reporting, etc.
I am getting at least 1-4 calls per day on my home and cell numbers from a automated caller claiming I owe a debt. I have never taken further steps to answer this automation as I am fairly certain I do not owe this debt.
he has no license as a XXXX in texas XXXX XXXX has taken money from a lot of people needs to be stopped asap
I did not know i can request an annual requested from XXXX to my dismay I then saw an entry from revenue system inc I then decided to call and inquire. I was told by a XXXX that NO RECORD FOUND he had me repeat name numerous times then transfer the call to a XXXX who is NOW XXXX who stated NO record found to read info on report and stated NO record to give phone # she will assist with credit report error. she XXXX XXXX called same day XXXX weeks a go in XXXX XXXX to say NO RECORD. I ask for the phone # of vendor, ac #, date of report and why the vendor NOR THEY NEVER wrote a LETTER to demand debt NOW UNABLE to give information an file this false report. I got NO ANSWER. She XXXX stated THIS WILL STAY ON THE REPORT I WILL NOT REMOE IT. I ASK FOR DETAIL INFOMATION AGAIN she XXXX XXXX stated if I continue to demand information I will NOT TELL YOU hung up. I then disputed the debt. 
I am in receipt of the report it stated that the DEBT is verified to be removed in XXXX XXXX. 
I then call the Revenue Systems Inc spoke again to XXXX he then acted extremely slow and asked same questions over and over again when I ask to speak to representative XXXX I was told that XXXX will call back that it is a Flood Insurance, ask for insurance co name, phone, detail of debt he REFUSE to provide. only XXXX can answer you. Upon calling back XXXX NOW stated that my husband took policy. I told her my husband died more then fourty years ago, NEVER CAME TO USA UNDER WHAT Authority SHE CAME To that CONCLUSION I WAS TOLD THAT I TOLD IT TO HER THAT HE TOOK POLICY AND HAS A LEGAL SIGNATURE ON THE DOCUMENT FOR FLOOD INSURANCE XX/XX/XXXX REQUEST AGAIN COMPANY NAME PHONE I WAS RUDELY TOLD SHE WILL NOT TELL OR GIVE ANY INFO AND IF I AM UPSET ABOUT THIS THAT IS JUST TOO BAD AND IF I CONTINUE TO ASK SHE IS GOING TO HANG UP AND THE REPORT STAYS. 
CHECK WITH FEMA I AM NOT IN A FLOOD ZONE. I AM A VICTIM OF FALE REPORTING FOR PERSONAL GAIN AND ABUSE OF FALSE REPORT WITHOUT MERIT, FAILURE TO PROVIDE EVIDENCE OR CONTACT MADE BY XXXX. PREDITORY AGENTS AND ACTED IN BAD FAITH UNDER THE FAIR CREDIT AND REPORTING ACT TO CAUSE HARM AND DENY ACCESS TO REASONABLE INSURANCE RATES WITH ANY COMPANY AND CAUSE INEBILITY TO GET CREDIT. THESE PEOPLE HAS DELIBERATELY ACTED TO CAUSED HARM TO ME.
Chase bank recently used faulty information to extort over {$3000.00} from me and my wife. XXXX they raised the escrow amount for our monthly mortgage by less than {$200.00}. We pay our mortgage automatically and I forgot to shift to the new, higher payment. Starting in XX/XX/XXXX, we received several threatening letters from Chase 's collection agency claiming we owed them over $ 3K. We raised the funds overnight and sent it to them. We did not owe them over $ 3K, though. We owed them less than {$300.00}. When I called them, I learned that : ( 1 ) Even though they deposited the checks I mailed them in XXXX and XXXX, and even though I no longer had access to those funds, they did not count them towards the mortgage payment because they were not the full amount. 
( 2 ) Because of that, their system generated an automatic letter to me claiming I owed over *Ten times the amount I owed* ( 3 ) When I then asked what would happen with the extra money I had given them over what I owed, they told me they had automatically applied it to the principle on my mortgage without ever asking me, and that in order to get it fixed, I would need to give Chase an addition {$140.00}. 
In short, they took money from me, did not apply it to my loan, threatened me unless I gave them over $ 3K and then used my money without asking me. Not only did their mistaken letter cause serious cash flow headaches for my household, but the icing on the cake is that in order to get them to do the right thing and use the extra funds the way I want them used, I have to pay them even more money. The situation is galling, and if it 's not illegal, it should be.
On XX/XX/XXXX Dynamic Recovery Solution sent me a collections letter about a credit card XXXX XXXX. This card was a part of my bankruptcy in XX/XX/XXXX. Over 23 years ago. The bankruptcy has since been deleted off of all 3 credit bureaus. Dynamic Recovery Solution recently brought this collection from another collection agency XXXX XXXX XXXX. I no longer have a debt and in collection for this credit card. It was resolved in bankruptcy court, and statue of limitation was over in XX/XX/XXXX ( 10 years ago ) This seems to be illegal on the part of Dynamic Recovery Solution.
Trans Union, as of XXXX 2015 I have noticed lag time reporting credit information to credit file. As of today Wednesday XXXX XXXX 2015 I have formally called in a complaint to Trans Union XXXX XXXX in regards to credit file not being updated, XXXX accounts last updated XXXX/XXXX/2015 XXXX accounts reported XX/XX/XXXX-XX/XX/XXXX. As of XXXX XXXX 2015 no accounts have been updated to reflect current status of account status in over 30-60 days. Trans Union credit agency representative in USA called me a liar regarding accounts, in addition said No information has been received from any creditor for Trans Union to update my credit file. 
This obviously is incorrect information given to me. 
All creditors reports are automatically generated by each creditor when statements are generated, In regards to XXXX and XXXX all creditors are reporting accurately to credit file and current as of Wednesday XXXX XXXX, 2015, No lag time. 
I asked Trans Union Representative How/why the other national credit agencies are reporting but Trans Union is not.?. 
He said it is not Trans Union, it is all your creditors fault for not reporting any information to Trans Union. I find this hard to believe when everything is automated. 
Trans Union Representative said there is No department within Trans Union to file a complaint regarding updated credit information in ones credit file. 
Trans Union representative had also said he has only heard of this type situation 3 times before during his employment with Trans Union and was unfamiliar with their procedure to correct the problem, Trans Union representative had mentioned in those cases it was a computer glitch software anomaly. Trans Union representative told me he would need to transfer me to IT but that could n't and would n't happen as he is unable. 
Trans Union representative told me I need to file a dispute against ALL my creditors so they can manually send in accurate current credit report, that makes no since to me. My creditors have reported to all credit agencies regarding individual accounts, I have called each company to confirm, they all reported to Trans Union every month.. XXXX and XXXX all show accurate and current month credit information. 
My dispute is not with creditors but solely with Trans Union XXXX XXXX They are unfairly reporting credit information, selectively. 
When I have applied for a credit card an inquiry is automatically added, when a creditor reports Trans Union delays updating credit report, in my case 67 days for XXXX accounts, 31-41 days for XXXX accounts, and XXXX account has not yet generated a XX/XX/XXXX statement. 
I was told by Trans Union representative there is absolutely No agency I am able to file a Compliant/Dispute against Trans Union, I replied I am able to file a complaint with C.F.P.B. 
and so I 'm doing so.
Abr recovery services has put me back on the collection credit report after being taking off about 6 months ago, I have sent this company letters and faxs over and over again a person by the name of XXXX stated about 6 months he would remove it from collection which he did now it is back in collections he is asking for more paperwork which was sent to this company a number of time
When I received my pay check on XX/XX/XXXX there was a garnishment so I called my payroll department to find out where it came from and how much it was for and the only information they could provide me with was to contact the general session court and provided me with a phone number to call. I called and was told it was from XX/XX/XXXX and was told I could contact Cavalry Portfolio so I called Cavalry Portfolio and the rep stated she could not help me and I needed to contact XXXX so I called XXXX and spoke with someone name XXXX and I asked her what this was pertaining to and at first she stated it was XXXX and XXXX and XXXX and that there was several things on there and I told her there was no way that XXXX and XXXX could be on there as I currently have XXXX and my vehicle is paid for that was financed through XXXX and she then asked if she place me on hold while she researched the account and then she stated it was for XXXX/XXXX. I asked her what was the original amount of this so called loan/credit card as I have never taken out a loan with this bank and said she did not know what the original amount was but stated they received a judgement in the amount of {$12000.00} back in XX/XX/XXXX. She went on to tell me that they had re-filled the garnishment 6 months later as they had not received a payment but stated that they received a garnishment in the amount of {$87.00} on XX/XX/XXXX, she stated that I made two {$50.00} payments via money orders in XX/XX/XXXX and that I had paid a total of {$3200.00} and I asked her how could that be if I only made 2 {$50.00} payments plus the one garnishment for {$87.00} plus the one the just took for {$330.00} clearly that does n't equal out to be {$3200.00}. XXXX stated that I had faxed them a copy of my pay stub and car payment and a medical bill as well as my cable bill back in XX/XX/XXXX and had agreed to pay {$50.00} a month. I think that something needs to be done about all of these debt collection agency 's that go around buying up old debts and harassing consumers over time barred debts and on top of it can not even provide you with the original amount needless to say I thought you can not be sued on a time barred debt. Something needs to be done to protect the consumer especially when they go in and obtain a garnishment on a time barred debt. I would like my money returned and the garnishment STOPPED!! Otherwise I will have to seek the advise of an attorney.
Previous complaint ID :   XXXX   Previously, I had compained that Machol & Johannes had sent confidential material to a third party. Their response at the time was that they had to do so because it was required by law to send it to my physical address. However, since then, I have been able to review past court documents and can prove that Machol & Johannes VIA THEIR OWN CERTIFICATE OF MAILING that they were able to send materials to my   XXXX   XXXX   , which is where I get my mail.
I discovered that they sent this confidential information to my father right after trying - and failing - to garnish his bank account. I believe they were either trying to trick him or delay my ability to respond to the garnishment.
New complaint.
That 's related to my current complaint : They just simply did n't send the required legal notices this latest time they levied a bank garnishment. They did that on   XXXX    XXXX , 2017. I discovered via court records that they filed related documents. But this time there was no Certificate of Mailing because they did n't send me anything - I found out about the garnishment from my bank.
I have been doing research and the company has a long history of such practices.
I previously asked my friend XXXX XXXX to type up & send this complaint for me and the company responded stating that you are not authorized to communicate with third parties without the appropriate authorization. The previous complaint # is XXXX. So here I decided to copy & paste the complaint ....
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I noticed this account is on my credit report. I filled dispute with the credit bureau, the collection agency verified the debt to the credit bureau, so then I wanted them to verify this to me and the following is what has happened. 1. On XXXX XXXX, 2017 I requested from Portfolio Recovery, signed application & statements for the above referenced account. ( ATTACHED ) 2. On XXXX XXXX, 2017 Portfolio Recovery responded requesting I sent the request for substantiation to XXXX XXXX XXXX XXXX VA XXXX. On XXXX XXXX 2017 I resent the original request from XXXX XXXX, 2017 to XXXX XXXX XXXX XXXX VA XXXX ( ATTACHED ) 3. On XXXX XXXX 2017 I received statements from Portfolio Recovery, however they were sent with out the signed credit application, so I responded back you on XXXX XXXX, 2017 requesting signed application ( ATTACHED ) 4. XXXX XXXX, 2017 I sent another letter advising Portfolio Recovery the address on the statements is an address I have never lived before and requested a fraud packet from them ( ATTACHED ) 5. On XXXX XXXX, 2017 again Portfolio Recovery sent me the same letter sent on XXXX XXXX, 2017 instead of sending me the fraud packet I requested on my previous letter to them on XXXX.XXXX.2017 ( ATTACHED )
I am writing because I had a loan with XXXX which I paid thousands of dollars in interest which was for a school that is closef. None of my credits are any good. I would like a resolution.
Hello My name is XXXX I have sent 3 certified letters the first one was for Identify theft, the second one was for Experian to have unauthorized inquires removed from my credit report. someone keeps apply for credit cards and credit and Experian are not doing anything about it, they told me to contact the companies who pulled my credit and I have but they tell me to contact the credit bureaus. My credit is very important to me and I have tried many times calling them and sending dispute letter and they do nothing to protect me. I need must of this inquires remove this is why I have a fraud alert. If I need credit I will contact the companies myself. Please help me with this issue, I do n't know what else to do. thank you very much
XX/XX/2017 I am being hit with a hard inquiry from Discover Card. 
This was fraud as I did not apply for another Discover Card as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX and XXXX were also gon na remove it but still have yet to do so.
I XXXX XXXX hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with Experian, XXXX and XXXX XXXX respectively. The attached medical collections were instantly filed by XXXX, XXXX, XXXX XXXX XXXX, a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medical invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question. 2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid. In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of XXXX XXXX XXXX XXXX XXXX for a continuous illegal collection practice ( s ) against consumers without any consideration of the law. An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations. My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of XXXX XXXX XXXX XXXX XXXX along with a permanent injunction against same from this continuous abusive practice.
in the month of XXXX i call capital one call in an payment on XX/XX/XXXX, i check back on my account on XX/XX/XXXX in which i spoke whith an capital one rep, he told me that my 25 min payment was deny by my bank the told him the reason why was because it was not money in the account to cover the payment, so we call my bank which is XXXX ( XXXX XXXX ) an rep from them told capiital one rep that was an supervior, that the reason why the money did noy withdrew was because, capital one fail to colcect, on the note, it was not because it was not money to cover the XXXX $ payment note, that they did not deny that, that capital one did colcect to note or the money, afther she confrim or told, them the capital one rep said thats funny, ask for XXXX banking info i told she the bank rep told them, then he said ok, we capital one is going to corcet this.the bank rep hange up me and the capital one rep was on the line he told me to hold on, he was going to fix it, or corrcet it, he came back on the phone said the bank said that the reason why was because it was not money to cover the payment, then i told him " we just got off the phone whith my bank she told just mins ago that that was not the reason why, that it was beacause of you all, why did not you colcect the note '' ) i also ask if i can faile an complant so i can get the statement letter ect..he said no.