WillisBack/dataset-financial-user-claim huggingface dataset:
I have multiple accounts on my credit file that were added within the last month, non of these accounts are mine, I was informed that my credit file may have been merged with someone with the same or similar name, someone with a pervious address. Equifax refuses to fix this problem and continuously adds new accounts to my credit file every single day. They wo n't help me, they wo n't delete these accounts, and they wo n't un merge these XXXX credit files. I have personally called all these companies, and they ca n't find any information because my SSN does n't match anything they have on file. I 'm sick of doing Equifax 's job! They should be calling, NOT ME. They need to do their XXXX job. The accounts are n't mine, and I do n't want them on my file anymore. Furthermore, I have multiple accounts added to my credit file due to identify theft, and Equifax also refuses to remove those accounts as well. I 'm so sick of dealing with these rude mean people in their Consumer Affairs Department. They are mean, unhelpful, and just plain awful! I have the accounts that are n't mine listed below. 

XXXX XXXX XXXX XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$1500.00} XXXX XXXX XXXX, XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$47.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$35.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$890.00} XXXX XXXX XXXX XXXX, XXXX {$360.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX, XXXX {$0.00} XXXX XXXX XXXX XXXX, XXXX {$0.00} All these accounts were added to my credit file from XXXX XXXX, XXXX - PRESENT. I personally find it odd that the 3 years I have had a credit file that none of these accounts have been on my credit file until 1 MONTH ago, when some of them are 8 YEARS OLD! Equifax is a scam and they need to remove these accounts now. I will be filing a report with my local law enforcement as well as the attorney general about their practices. I have filed a police report about Equifax and these accounts with the XXXX Police Department, the report number is XXXX.
AARGON IS NOW SUBJECT TO A CLASS ACTION EFFORT! XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CLASS. COLLECTOR BREAK ALL CONSUMER LAWS IN THE BOOK, ESPECIALLY THE '' DOOD FRANK WALL STREET REFORM AND CONUMER PROTECTION ACT '' TITLE X.
This company received a letter dated XX/XX/XXXX from me requesting validation documents for account numbers XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.
constantly calling even after i have made deferred plans which put me at a monthly payment of 0.00 Last week someone called and i explained this to them and they called right back. Constant harassment
My complaint is with TransUnion about an account on my credit report listed under XXXX XXXX. TransUnion is damaging my character and humiliating. It has been an overly burdensome task to try to have this rectified through the dispute process. I have never owned a XXXX vehicle and never made any late payments. I have worked with XXXX XXXX and sent many letters to TransUnion asking them to provide documentation that they are using to confirm the account is mine, and that i had made said late payments. I request this account be removed from my credit report if they can not provide requested proof/documentation. I have rights under the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section XXXX and Section XXXX regarding their continued willful and negligent noncompliance with my requests. I pray for relief from this overly burdensome mark on my credit. I certify that this said vehicle was never mine and I never made late payments to XXXX XXXX.
I am writing to request a correction of the following information that appears on my Equifax, XXXX, and XXXX consumer report : I began as a co-signer on a loan with XXXX XXXX XXXX on XX/XX/XXXX and continued to make payments until the car was repossessed in XX/XX/XXXX the car was then sold and written off from a balance of@XXXX to {$16000.00} i then entered into a verbal agreement with XXXX XXXX XXXX to continue to make monthly payments to of {$200.00} dollars monthly on the account and have done so as we agreed for over a year. The current status of my account is not correct. The report shows that I am delinquent but I have made all of my payments on time as per the agreement with XXXX XXXX XXXX. I have contacted Equifax, XXXX, and XXXX and filed disputes via email as well as certified mail with no help.
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX these are unauthorized and its affecting me getting credit i never applied for anything
My Trans-Union Credit score was at XXXX onXX/XX/XXXX Five days later it was lowered 79 points to a Score of XXXX on XX/XX/XXXX. I call Trans-Union and told them that absolutely no changes, collections, or outstanding debts had been added to my credit history at all.

The Trans-Union Rep simply stated that it was most probably affected by several hard Credit inquires. I explained the last hard credit inquiry occurred inXX/XX/XXXX, and had no others. The Rep continuously tried to sell me my Credit Score, I told them over and over again that I already had it. They told me unless I purchased my Credit score from them they could not proceed further to help me. They lowered my score also before in XX/XX/XXXX as well. This time I have attached proof of their fraudulent reporting, and a comparison with XXXX during the same time period. I want my Credit score put back to XXXX I have no credit factors that Trans-Union can produce that justifies lowering my Credit score by 79 points in 5 days.
when I was out of state my father received a home equity loan on his home in XXXX he had had a XXXX before this and his doctor had told me he was in need of 24 hr a day care. I talked with the doctor and social services about needing me to help him with his affairs. Their is not a easy or clear way for anyone being someones power of attorney to watch over another affairs when they do not want help. after the loan was taken out I had gone out of state to look for work that I was able to do because of my health and local economic down turn. My wife stayed with my father to see after him and help with what ever she could be allowed to by my father.He still was in command of his finances and other parts of his life but my wife cooked meals and cleaned house and drove him to any destonation he wished. when I had returned home the mortgage on his home of 49 years was behind and its county property taxes and a few other obligations. his bank and mortgage holder was XXXX XXXX in XXXX Washington but had been takin over by Umpqua bank. This XXXX branch and also the lead branch in XXXX, Washington would not let me look into his accounts or even ask questions. one one visit to the local branch my father had ask a question about his balance in his checking account and the teller replyed ... bring your check book in on Friday afternoon and I will take it home over the weekend and look into it. I ask my father if he had done this before and he told me yes a few times. I called the XXXX branch and reported the problem I felt had happen and was told they could not deal with me on my fathers accounts. my father did not want me to look into it any further and I did not until his passing in XXXX of this year when I found out his home was in foreclosure. I had told Umpqua bank I would take over the loan or get my own mortgage and they served me a law suite to remove my self and my wife from his home. I have done no other actions since that 3 days ago until now reaching out to the cfpb. If their is any way you can look into this I would be in your debt for life since I do not want my fathers home and my childhood home in the hands of the most unbelievable bank I have ever heard of! Thank you, XXXX XXXX XXXX
TRANSUNION, XXXX, XXXX ALL HAVE HAD THE PAPERS THAT SHOW ALL DEBT HAS BEEN PAID BUT IT IS STILL LISTED AS IN COLLECTIONS, IT SHOULD STATE THAT THE ACCOUNT HAS BEEN PAID IN FULL!
Bank of America XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX SSN : XXXX We started the short sale process with Bank of America on XX/XX/XXXX. We faxed in our authorization multiple times, requesting a payoff demand. XXXX is refusing to provide a Payoff Demand. Bank of America is refusing to provide any information whatsoever on this 2nd TD. 

I have tried to resolve this with Bank of Americas front end dept but no one will help me. In fact, on XX/XX/XXXX I was told that the 2nd TD was service released to XXXX along with the 1st TD in XX/XX/XXXX. I have since spoken with SPS and they DO NOT NOR EVER HAVE HAD THE 2ND TD. 

On XX/XX/XXXX I called Bank of America again. Spoke with XXXX XXXX. She could see the 2nd TD, said our authorization was not attached to the 2nd and therefore she can not help me. She said to fax the authorization in to her managers direct fax number and her manager said she would attach the authorization to the 2nd TD. 

I called back on XX/XX/XXXX and there is still no authorization attached to the 2nd TD. 

I called back on XX/XX/XXXX and there is still no authorization attached to the 2nd TD. 

On XX/XX/XXXX I spent over 2 hours on the phone with Bank of Americas employees and was transferred over and over again by Bank of America representatives who were RUDE, CONDESCENDING, IGNORED WHAT I SAID, REFUSED TO HELP ME, TRANSFERRED ME SO THAT THEY WOULD NOT HAVE TO HELP ME, SAID THERE WAS NO 2ND TD AND TRANSFERRED ME, REFUSED TO ALLOW ME TO SPEAK TO MANAGEMENT, AND REFUSED TO GIVE ME ANY INFORMATION ON A LOAN EVEN THOUGH I HAVE REPEATEDLY SENT BANK OF AMERICAS PROPRIETYARY AUTHORIZATIONS IN WITH THE CLIENTS SSN AND SIGNATURE. Bank of America had no problem attaching our authorization to the 1st TD - that was service released in XXXX, but absolutely refuse to discuss the 2nd TD with me and refuse to attach the authorization to the 2nd TD so that they may discuss it with me. 

As you can see from the title report there is clearly a lien on the property. It was with Bank of America in XXXX. -- -- -- -THEREFORE -- -- -- -- Bank of America has TWO options EITHER provide a payoff demand to me as the authorized third party -- - OR Reconvey the lien off the property. But THESE DELAY TACTICS AND GAMES HAVE TO STOP. It is obvious Bank of America is completely incompetent in dealing with these types of loans AND THIS IS PURPOSEFUL FRAUD ON THEIR PART. 


*******BANK OF AMERICA SEEMS TO HAVE NO IDEA WHERE THEIR 2ND MORTGAGES ARE THAT HAVE BEEN CHARGED OFF ********** NO ONE CAN HELP ME GET A PAYOFF DEMAND ********** THIS IS THE **THIRD FILE** WITHIN THE PAST 60 DAYS THAT WE HAVE HAD THIS ISSUE ********** OBVIOUSLY THIS IS A MAJOR PROBLEM WITH BANK OF AMERICAS RECORD-KEEPING. 


****************************PLEASE SEE CFPB COMPLAINT FILED ON XX/XX/XXXX -- CASE # XXXX ************************** ****************************PLEASE SEE CFPB COMPLAINT FILED ON XX/XX/XXXX -- CASE # XXXX **************************
To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/XXXX. 
We have been going round & round with Nationstar Mortgage ; who has turned into XXXX XXXX XXXX, since XX/XX/XXXX. We tried repeatedly to get a mortgage modification for months and finally received one in XX/XX/XXXX. We made our 1st payment on the modification and 2 days before our 2nd payment was due, we received a letter stating that there was a signature missing on one of the pages. They were going to send me the page that hadnt been signed and told me not to make our 2nd mod.  payment until the error was corrected. That is where the nightmare with them started all over again. 
I continue to have the same problems & issues with Mr. Cooper as I always did with Nationstar. I have sent 2 ( two ) complete RMA Packages to them and its always the same old thing ; didnt receive, pages missing, can you resend, etc. 1024.41 ( b ) Receipt of Loss Mitigation application - A servicer shall exercise reasonable diligence in obtaining documents and information to complete a loss mitigation application. 
They have now scheduled a notice of sale for XX/XX/XXXX. We have done everything over & over to try and avoid this from happening again but they seeming are steering our property into foreclosure for what I feel is their own monetary gain and total disregard for us losing our home that we love. Violation of The Real Estate Settlement Procedures Act ( Regulation X ) XXXX Loss mitigation procedures. The Consumer Financial Protection Bureau established rules to protect mortgage borrowers from costly surprises and runarounds by their servicers. 
How is it that we are in foreclosure again when we have been sending and resending paperwork in to get the modification reinstated that got off track because of one missing signature? XXXX ( g ) Dual Tracking is prohibited. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure. CFPBs mortgage servicing rules ensure that borrowers in trouble get a fair process to avoid foreclosure, borrowers shouldnt be surprised by the start of a foreclosure proceeding until they have had time to explore all available options. 
They now tell me there is nothing they can do to postpone the sale date or modify the loan. Mr. Cooper Mortgage continues to violate the Dodd-Frank Consumer Protection Act. They have dual-tracked my mortgage while avoiding an opportunity to work out something rather than foreclosure on us. 
Please help us postpone the sale date of XX/XX/XXXX.  We would be devastated if they were allowed to foreclose on this property. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX keep continuing to send a collection debt to collection agencies who in turn keep reporting on my credit report that I owe XXXX {$250.00}, for an account that was opened " apparently in my name '' ( NONE of the collection agencies EVER provided PROOF that I EVER signed any contract or agreement with XXXX ) in the period between XX/XX/XXXX and XX/XX/XXXX which I was overseas for that period completely. I fought the collection with the credit agencies many times and it has been removed every time I fight it. But XXXX keep hiring collection agencies to collect the debt.
Called company to make a payment they informed me they do not supply receipt of payment until debt is paid in full. XXXX XX/XX/XXXX I called into make a {$550.00} payment the rep told me it had to be set for a payment play and taken out until paid in full. They do not take partial payments nor do they supply receipts of the payment plan. How are you suppose to have proof or track that payments made.
I did not authorized the company to check my credit Comenity Capital/HsnXXXX
A debt validation letter was sent to Syndicated Office Systems 30 days ago and no response was ever received. Despite failing to respond within the 30 day time frame, the company is still reporting negative information to the credit bureaus.
The bank sent my money to the wrong account through their mobile app, and have admitted that they are not sure what happened or how money sent to my mobile number was sent into another account. Some of their suggestions have been like so : 1. Whoever had my current mobile number before I had it is probably the person receiving the money. This ca n't be because this number was generated for me XX/XX/XXXX and there were no smart phones in existence on Earth. 
2. Someone set up the mobile app on their phone with my number. This is a clear flaw of their security and they say it 's not their fault. They, however, can not explain how someone can set up a mobile app with only incoming money capabilities. 
3. I am stupid and do n't know how to setup a banking mobile app. I 'd like to note I have XXXX banking apps in my smartphone only, plus another XXXX that I use with regularity on the same smartphone, and have never had this happen to me with any other service. 

They are unwilling to take my money from the wrong account because that account was setup with my mobile phone number. A mobile phone number my bank has had since XX/XX/XXXX, when I opened my first checking account. Another security flaw. 

The amount the bank owes me in mobile transfers is {$720.00}.
Optimum Outcome XXXX robot calls cell phone frequently. The message does not state the business they are collecting debt for or how to submit a payment. 

FDCPA AND TCPA ACTS guidelines state debt collectors to must identify business debt is owed to, amount of debt, how to pay debt. 

A business was owed debt and my account was credited in XXXX. The business stopped the harassing letters in the mail but Optimum Outcome keeps calling cell phone frequently. 

The business who has credited my account has been contacted VIA many EMAILS to stop Optimum Outcome robot phone calls to my cell phone number. 

Record all calls from XXXX on cell phone for records so legal action against Optimum Outcome is an option. 

Optimum Outcome does not provide an address of their place of business. I am sending a cease and desist all calls to my cell phone letter to this address which was online. 

Optimum Outcomes , Inc . 
XXXX XXXX XXXX XXXX, NC XXXX
I got divorced in XXXX of XXXX. At the time of the divorce, part of the settlement was to allow my ex-wife to stay in our marital home since we had a young daughter. We agreed we did not want to disrupt her life. When I left the home as part of the settlement my ex-wife agreed to take over the house expenses and mortgage. It was an adjustable mortgage with XXXX XXXX. During the years she has tried to refinance the mortgage into her name before it began to adjust but does not qualify, we then tried to look at HARP options but the mortgage is not owned by XXXX or XXXX XXXX so we were told no on that option. Fast forward, she has been paying the mortgage in hopes her income would go up and she would be able to refinance out of my name. The mortgage began to adjust as of XXXX XXXX. I was recently laid off last year during XXXX XXXX, and went from making XXXX to each year less and less. Now in XXXX I am making XXXX. My ex-wife decided to leave me with the house after she realized she would not be able to put the mortgage in her name so I have had to move back into the home. I have contacted Quicken loans to try to do a modification to a fixed mortgage since the rates are adjusting and going up and now I make a lot less, I provided all the documentation they required every XXXX weeks. After providing the documentation every XXXX weeks I realized I was not getting anywhere, I called and escalated my case to their XXXX relations group. I spoke with a XXXX XXXX in the executive office who said he was a supervisor. I spoke with several Quicken employees who said they were supervisors and were not. XXXX XXXX, XXXX XXXX, XXXX XXXX. The company employees lack integrity. Anyway, after several calls to follow up and back and forth, XXXX XXXX told me my modification request was denied, his reason was I made too much income. I asked how was my income calculated he refused to disclose the math, how can you tell some XXXX they are denied and not explain why? In addition to this I also received my mortgage statement for XXXX with an additional {$180.00} fee showing up on the statement with no explanation of why. I called to ask them why and to remove it and they have yet to resolve the issue. The executive relations rep XXXX slipped up and said it was XXXX charges, when I questions it further she said she was not sure what is was and would look into it. She was also suppose to be a supervisor, when I asked to speak with her supervisor, she said it was XXXX XXXX. Again Quicken employees are being dishonest. I feel absolutely uncomfortable with with them no XXXX in there executive relations group seems to be honest and I do not know who else to go to to hear my case.
I am trying to freeze my credit file with TransUnion in order to protect my identity because TransUnion and other credit reporting agencies can not be trusted to keep my information secure. While attempting to freeze my account with TransUnion I am repeatedly, both over the phone and on their website, told I am required to pay {$5.00} to freeze my credit file. This is in direct violation of Colorado State Law and TransUnion knows this is the case, as they display the information on the following website. 

https : //www.transunion.com/XXXX For the record, I have never wanted TransUnion or any other credit reporting agency to control and exploit my personal and financial information for their own personal gain. I think it is absolutely ridiculous that these companies are able to leverage my information for their personal gain and are not even required to protect the data I do n't want them to have in the first place.
Several items I have only seen a few because I was denied online view. Credit cards I have never had and other debts that make no sense biking amounts. I 've car loan not mine my car was given to me by my mother it was 1993 since last cart loan. I had lost many ss card birth certificate and dl card after my motor home was towed and sold while I relocated to another state. Please he 'll this is scaring me. This is the only information I hand from the XXXX credit company s
Over the past several months, I 've continued to receive phone calls from First Recovery about debt collection for a person that does not work at the number they are calling, which is my office and a government office. I 've made several attempts to update whomever is on the customer service end to remove this number off the list. The collector is looking for a specific person : XXXX XXXX. That individual does not work the line they keep calling over the past year nor do I know the person. Every time I receive the call from this company, i 've updated the customer service person and yet I continue to receive phone calls/msgs. After several frustrations over the past year, back in XXXX XXXX/XXXX/XXXX, i decided to do my own research online to find this XXXX XXXX person and guess what, was able to find her. I gave the customer service person the updated contact information back then because it seems like they ca n't do their job. It took me less than 10min to find her online. I received a call from this company XXXX/XXXX/XXXX. Morning of XXXX/XXXX/XXXX, i call back to once again update First Recovery and again I receive a call back XXXX exactly the same day XXXX/XXXX/XXXX calling about the same thing. I am beyond frustrated and can not believe people ca n't do their job to find the right person. Stop calling this number government office line. PLEASE STOP CALLING THIS GOVERNMENT LINE looking for the person as the individual does not work here nor do i know the person. Every time I ask the collector to update, they said they removed the number but i still continue to receive several phone calls over and over again. Every time I ask about which company this is, the customer service person/debt collector hangs up on me. Finally, at least i was able to find out that it was FIRST RECOVERY.