WillisBack/dataset-financial-user-claim huggingface dataset:
I received an email on XX/XX/XXXX about Equifax data breach that affected many consumers. I was one of the consumers that it affected. I called Equifax on XX/XX/XXXX to have inquiries and other items removed off my credit report, because of this breach. I talked to a rep and was told " NO '' they could not remove the items off my credit report. The email that I received stated the following " XXXX, As you may know, millions of Americans had their personal information exposed by the recent Equifax data breach. Also, they have been hit with a lawsuit over the breach that affected 143 million consumers. Equifax failed to protect the consumer data it collects, including millions of Social Security numbers, names, email addresses, birthdates, and other personal information lost to cyber thieves ''. I feel that Equifax should be able to delete items from my credit report, because of this breach. Here is the following inquiries that was not deleted off my credit report because of the breach. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX/XXXX XX/XX/XXXX 10. XXXX XXXX  XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX **I have dispute many times with Equifax about being an victim of identity thief and now I learned that Equifax has breach many consumer data. Need Equifax to removed the inquiries off my credit report and two collections that are on my credit report : 1.  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$XXXX} 2. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) for {$XXXX}
I found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with chase. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with transunion. It's been over 30 days and there are still accounts that haven't come off.
On XXXX XXXX 2017 my credit card was utilized for an excess of {$720.00} this amount could be a little off because of additional fees an so forth however I reported this to barclaycard As well to the police and they are still making me pay for it I have a police report in XXXX XXXX Ive spent countless hours going back and forth with my credit card and today they said they are not considering this fraud. Please help
I do not have a legal obligation to this company.There are no signed contracts with them. Yet they have reported the debt as delinquent to the credit bureaus. I have provided them with court documents providing proof of the current and legimate mortgage holder. They continue to harass me with constant mailings. This has been going on for months. They are a debt collection agency posing as a mortgage company.Their reporting date is  XXXX     2010. Also they have issued an insurance policy WITHOUT my signature on an insurance application and without having insurable interest. Totalling illegal yet they are allowed to continue to operate.
The company XXXX appeared on my XXXX credit report on XX/XX/2017. It appears to be a national credit card cos.under business type listed near the inquiry. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a credit card. I informed the company that I have not submitted any form of application for financing or a credit card and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.
Disputed negative items on my credit report except for XXXX XXXX XXXX. XXXX XXXX XXXX is a legitimate collection on m y credit report. However as a result of my dispute of my credit report equifax deleted everything except XXXX XXXX XXXX. As of todays date of XX/XX/2016 they have placed a collections back on my credit report of XXXX.
We make twice a bi-weekly payment on our Wells Fargo ( WF ) mortgage, a {$1900.00} payment on each payday, so that two payments equals our monthly payment for principal, interest and escrow of {$3900.00}. We " skip '' a payment in three payday months ( typically around XXXX and XXXX as these are near XXXX and XXXX and give us extra spending money ). This has not impacted our meeting our total monthly payment and we have done this since the origination of our mortgage in XX/XX/XXXX. 
Per WF on XX/XX/XXXX, they misapplied one of our XX/XX/XXXX payments, putting it towards principal only and recording in their computer system that we were short a payment since then. Oddly, this did not raise any flags until XX/XX/XXXX, when we began being bombarded with phone calls from XXXX. I XXXX this number, found it showed up on many sites reporting scam robot callers, and did not answer. I did listen to one of the messages, claiming to be from WF about our mortgage, and then went to our online account, saw our payment was showing as past due, and called the WF number from our statement. 
After lengthy discussions with XXXX ( who told us there was nothing WF could do and we would need to make an extra payment to correct WF 's computer error ), I was transferred to the next tier. XXXX ( XXXX ) said WF would need XXXX as the mortgage investor to agree to WF correcting their mistake, and that XXXX may not agree that and my family and I may just be out of luck and forced to make an additional mortgage. That is completely unacceptable. We are now filing a complaint. 
For the period of XX/XX/XXXX - XX/XX/XXXX we have had two payments a month deducted from our credit union account ( per the attached statements ). XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. We have paid our mortgage. WF 's computer/clerical problem is WF 's problem. We request : Our payments be updated properly to reflect we are current and have been current on our mortgage. 
The late fee applied to our account on XX/XX/XXXX be removed. 
All harassing phone calls stop immediately. 
Confirmation from WF in writing that there no negative reports have been made to any credit repository.
Unauthorized credit cards listed on my credit report that I did not authorize while also pulling my credit report. My personal and private information was pulled on XXXX XXXX, XXXX by XXXX XXXX XXXX in California which was deemed impermissible. My personal and private information was also stated in audio copyrighted in XXXX XXXX that is now public knowledge ( ref # XXXX ) Since this person responsible for obtaining my social security number had XXXX pull my information, I have had attempts of people trying to use my social security number to open accounts in my name.
I have been in the process of trying to transfer a balance to a new card from  Chase Card Services for a mont h. A cashier 's check was sent to  Chase Card Services   on   XXXX   XXXX    2017   for the full amount of my card balance in order to transfer the balance to my new card. I first called  Chase Card Services o n    XXXX   XXXX  2017    . I was told that when a check is received, it would be posted to my account. Also, told that there was nothing that could be done on their end in the process, except for posting the payment when received. The representative told me it could tak e 7-10  business days to process the payment. I was also told that I would be charged an interest payment, so my balance transfer would n't be my last payment. I waited several days before calling back on    XXXX   XXXX  2017    . I was told that the check had not been received. I asked to speak to a supervisor, at this time. The Chase supervisor told me the same information about processing the payment, but also added that it could tak e 3 weeks to a month to process this type of payment. In the meantime, I had to make 2 pay ments-one to  Chase  and  one  to my new card company on the same balance. I 've now received another reminder fro m Chase that my ne xt payment is due, still no balance transfer posted. I 've spoken to credit lenders and reviewed timelines for balance transfers to take place, and 30 days is excessive. I 'm concerned that my balance transfer is purposely being delayed in order for  Chase Credit Services  to continue to receive payment and interest on an account I have made efforts to transfer.
The debt collection is erroneous and I do not owe any debt to them. XXXX never sent me a final bill as they had an address of a home I have never lived in. I was never called, emailed nor did I ever receive a physical bill. There was no way I could have known I had an outstanding balance
I open up a fraud investigation on a credit card account discover financial service and its has a high balance of XXXX and I didnt apply for this card and it was open on XXXX with a credit limit of XXXX and never applied and I send XXXX  and XXXX documents to have this account to be removed and it was put back on my credit report on XXXX and I called XXXX  yesterday on XXXX to have the credit block in place and they refused to do so and protect me from fraud and I have a membership with XXXX and XXXX never explain that the company has a claim dept for customers who had fraud charges I have a membership with XXXX and they refuse to remove that account off my credit report and its hurts my score and it went down to XXXX and Im so worried about my current credit cards and they will be closed due to low credit score ... .XXXX told me I need to contact discover to have this fruad account removed and I contacted discover too many times and at first they said I wasnt held liable for this account and few weeks later they said I cancel the fraud claim and I never made a request to cancel my fraud claim discover credit card resume it and they are taking too long to resolve it its been over a year ... XXXX and XXXX removed this account off my credit report XXXX refused to do so
I have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted XXXX/Equifax with no successful resolution. It says the account was open on XXXX, 2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.
I had both a XXXX XXXX XXXX " Fidelity Investment Rewards '' Visa and an XXXX XXXX. When Fidelity migrated the card servicing to Elan XX/XX/2016, both cards were issued as a Visa. I called Elan to request the cards be merged so I did n't have XXXX identical cards. They assured me it 'd be no issue. Two weeks later they called and said they needed to know which account I wanted merged into which. I said I did n't care. They said it 'd be done in a couple days. 

Today I received an alert from my credit monitoring service that Elan did a hard credit inquiry on XXXX or more credit bureaus. I was absolutely shocked. Nobody even mentioned that would happen, and if they did I would have said absolutely not, do n't bother merging the accounts if that was a requirement. It 's illegal to run a hard inquiry without a customer 's consent, and that 's precisely what Elan has done. 

This letter serves as notice of dispute of the hard inquiry ( ies ). I demand that Elan contact all three credit bureaus and have the inquiry removed immediately. 

I am also sending this as a complaint to the Consumer Financial Protection Bureau because Elan 's actions violated my rights as a consumer. 

Please respond within the required 30 day timeframe confirming all credit inquiries posted without my authorization have been removed.
My Monthly payment for my credit card ending XXXX is showing as past due for the month of XXXX 2016 and I now owe the company a payment of {$58.00}. My monthly payments are due on the XXXX of each month. I made a payment of {$50.00} on XXXX XXXX for the XXXX 2016 statement and a payment on XXXX XXXX for the XXXX 2016 statement. However, Capital One is claiming that because my XXXX payment posted before the XXXX of the month it was applied to my XXXX statement deeming my intended payment for XXXX as not paid and reflecting my account in a delinquent status.
It has reappeared after the balance was settled prior to XX/XX/XXXX. It was already satisfied in XX/XX/XXXX and was never {$200.00} that some fake inflation. It went into collections in XXXX XXXX and never went above $ XXXX-XXXX. This is against FCR Act protocol and the Virtuoso Company should be penalized for excess coercion.
I called   XXXX   XXXX   XXXX   XXXX  and spoke to  XXXX . I called in response to the written letter that this company sent to me. They said that the debt I had disputed was valid. I looked up my receipt from  XXXX . Not only is the amount owed incorrect. On the bill they sent me there was unreturned equipment which my  XXXX  receipt show was returned. I used to work for  XXXX  and I know as a matter of fact that  XXXX  is well known for charging for service after the disconnect date as shown on the bill that was sent to me. I disconnected service on    XXXX   XXXX  , 2017 and returned  all of my equipment as well on that day. Also my receipt shows my current bill amount that was not the same as Convergent says I owe. I have tried during my call to get them to talk to me about the bill which they themselves said was not mine as my social security number did not match and told me to call  XXXX . When I called  XXXX , they told me to call Convergent. I want to make sure that this bill does not ever show up again on my credit report. I have attached all the documents to show the error
My husband was injured on the job in XXXX 2014. I called Wells Fargo in XXXX 2014 to see if there was anything I could do because I did n't want to get a bad pay history with them, and they told me all I could do was try to refinance. Because we lost XXXX of our income, my pay history ( and credit as a result ) has gone down the drain over the last year. Every time I talk to a rep, I have to explain my situation again and am again told I 'll have to refinance, but when I explain my pay history, I 'm told I wo n't be able to qualify for it. So I am basically stuck in this cycle.
They never sent any info. the amout is completely wrong. Had credit berau verify to no advail. These people need to be more accurate and send proper info.. They need to remove from my credit. They should not just be able ro pit on someone credit report.
Equifax is reporting accounts that arent mine and i am asking for them to remove the accounts that i have listed below Public record Chpt XXXX Bankruptcy ( Not Mine ) 1. XXXX XXXX ( 2 ) accounts 2. XXXX XXXX XXXX 3. XXXX XXXX/ XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX ( 2 ) Accounts 7. XXXX XXXX XXXX/XXXX ( 2 ) accounts 8. XXXX XXXX XXXX. 
9. XXXX XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX. 
12. XXXX XXXX XXXX 13.XXXX XXXX XXXX
I had a checking and a prepaid accounts with Chase Bank, and on XX/XX/XXXX I contacted the Chase XXXX number to file a dispute on a transaction that was posted to my prepaid card incorrectly, and that dispute request triggered the representative at the overseas center to enter my name and credit information on XXXX XXXX XXXX without informing me of that. He also shut my accounts with Chase without my knowledge. A few days later when I was trying to make an atm deposit, I noticed that my card was not working and went to the local branch in XXXX XXXX, CA, and after sitting with a representative for over an hour, I was informed that my accounts were shut and closed by the bank and no further information was giving to me. I contacted Chase Bank several times to try to get the information on the unexpected closure of my accounts and the response was that they did not have any additional information. OnXX/XX/XXXX I filed a complaint with BBB and received a letter from Chase Executive Office dated XX/XX/XXXX advising me that Chase Bank submitted a request to remove reporting of my information from XXXX XXXX XXXX. On that letter, there was a contact name for XXXX ( ext. XXXX ) and I called on XX/XX/XXXX to speak with her and ask if correction to my information have also been made for Chase Bank, and XXXX was unavailable, so I spoke with XXXX. XXXX had no information in regards to correction to my Chase file, so I contacted Chase again on XX/XX/XXXX and spoke with XXXX, who also had to access to that information. He told me that someone from that department would contact me to discuss that information and later on, I received a call from a representative named XXXX, who confirmed that Chase has requested removal of my information from XXXX XXXX XXXX, but not from Chase, and I can no longer bank with Chase. She did not provide me detailed information on why and how this remark was added, or how to have this information corrected with Chase. I have no history of fraud or account abuse and I believe this negative remark to both XXXX XXXX XXXX and Chase Bank was done in error, so I want to request assistance to get a corrections to my credit records and personal information with the Chase records as well.
On XX/XX/XXXX at XXXX I received a email from my credit monitoring alert from XXXX  XXXX that I had a new account alert and I checked it and it stated that I had a NEW ACCOUNT on my XXXX from Midwest Recovery Systems , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX and for type it stated N/A and contact number it stated also N/A. So then I checked my XXXX XXXX alerts and it stated I had one DEROGATORY MARK ( my first one ) it stated I owned {$890.00} from XXXX XXXX XXXX  opened on XX/XX/XXXX and reported XX/XX/XXXX which dropped my score on XXXX 3 Points for something I that I have no cash advances currently. I checked out XXXX and this Midwest Recovery System has so many complaints and the same issues with people. I worked so hard to maintain my credit and I will not stop until this is fixed.
XXXX XXXX make it a practice to periodically check customer 's credit reports apparently. Then based on that they lower credit limits. I understand that they think this is necessary even if the customer has am excellent history with them which does not seem to matter. However, It is totally unethical to lower credit limits that are intentionally below a customer 's balance causing them purposefully to be over limit which intern they quite promptly report to the credit bureaus. When purchases were made they were made with the perception that the amount used was available at the time. These practices are not only unfair to the consumer they are unethical.
XXXX / Dob XX/XX/XXXX REPORT XXXX TRANSUNION CC Consumer Financial Protection Bureau I 'm exercising my rights to requesXXXX XXXX XXXX t verifiable proof of negitive events you have listed in my credit file The 15 U.S CODE & 1681g - Disclosure to consumer requires CRA to disclose the sources of information reguarding the XXXX XXXX XXXX XXXX Mn XXXX negative events that are beging reported by your agency upon request of the consumer this is not a dispute account XXXX XXXX closed account account XXXX XXXX late payments closed XXXX XXXX account That has not been reported on in Years.. 
XXXX XXXX LATE PAYMENTS and all credit inquires that are not showing any active accounts on my credit file I expect that you will provide verifiable proof as required under the 15 U.S CODE & 1681g disclosure to consumers If you are unable to provide such proof with in the timeframe I expect these negative events to be remove from my credit file please communicate your intentions in writing. I have asked you to comply and do whats right but you fail to do so.. 
XXXX I have included you in on this Because I 'm going to take legal action if this request do n't get solved ... Also for evidence for my case Thank you
As per previous filed complaint XXXX they are reporting delinquency in past and adding comments again even though they said they would not any more. I have made all agreed payments and am now only owing this months payment yet. Again I have paid all payments as agreed and they are reporting incorrectly again ...
I first reached out to XXXX, XXXX on Saturday, XX/XX/XXXX regarding a new inquiry on my credit bureau. I informed them that my credit was run without my authorization. They told me to dispute the charge with the credit bureau. 

I filed a dispute the same day with Equifax. On XX/XX/XXXX I received an email from Equifax stating that they were unable to remove the inquiry and to contact the company directly. I then filed a complaint with XXXX  on their website. I was contacted by XXXX XXXX of XXXX on XX/XX/XXXX regarding the inquiry. I explained to her what happened, and she assured me that she would be forwarding my information to her legal team and that the inquiry would be removed. 

I then contacted Equifax myself on XX/XX/2018 to check the status of the removal. I was told by the representative that nothing had been submitted regarding the inquiry. I then emailed XXXX again the same day but I never got a response back. I then decided to wait 30 more days to allow more time. 

On XX/XX/XXXX, I filed another complaint on XXXX website. I was then contacted by XXXX XXXX. I explained to him what all happened, and he said he would be the one handling this matter from now on. Ive been corresponding with him for the past five months, and the inquiry has yet to be removed. I have been in contact with Equifax was well regarding the removal. It seems that XXXX is giving me the runaround.
I saw an a d on Facebook  stating you could sign up for a membership at  XXXX    XXXX   XXXX   for just {$1.00} down. I 'd always wanted to join but the start up fees had always been ridiculously high. I called the  XXXX  location Saturday  XXXX   XXXX , and spoke to a gentleman named "  XXXX  '' who pumped me up and made me even more excited to finally join my dream gym. I asked him when my first payment would be due - he said  XXXX   XXXX  ( later when I spoke to  XXXX  at  ABC Financial I  cited  XXXX   XXXX  but going back in my bank account, remembering when I signed up I realized it was the  XXXX  ). Fast forward to  XXXX   XXXX  and I get a notification from my bank saying my card was declined for {$35.00} at  XXXX    XXXX   XXXX  . Admittedly, I should have contacted them then, but since I knew I would n't have any money I did n't worry about it. Fast forward to Friday,  XXXX   XXXX  - I get a notification that  XXXX  has been removed from my account by  XXXX    XXXX   XXXX  . I was furious because it was an unexpected expense that left me with only  XXXX  dollars. I called  XXXX    XXXX   XXXX   and spoke with a young woman named  XXXX  and told her I wanted to cancel my membership because of the charge. She apologized and told me that  ABC Financial  handles that, then proceeded to give me their phone number. I spoke to a woman named  XXXX  who said that because I only paid the {$1.00} down my first payment was due within that month. I said I was never told that and she said it was on the contract. A contract I had never had the opportunity to go and sign. She also said it was sent via email, but I 'd never received  one. So n ot only had I not even signed a contract, I had no idea that I 'd be charged.  XXXX  fee plus a late fee.  XXXX  then proceeded to tell me the only way I could cancel my membership is with a {$100.00} dollar buyout. Before she could finish, I hung up.