WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax has been notified their information is incorrect on the following account : XXXX XXXX   XXXX ( This account is listed twice. ) Ive reviewed my records and the last activity on this account occurred XX/XX/XXXX ( Equifax 's records show the date of delinquency as XX/XX/XXXX ). No  further activity occurred. I am asking that Equifax require this creditor to provide proof of the activity on the account, and by proof Im not simply referring to their printed records. They must provide a ledger accounting of all payments and dates. Otherwise Equifax should remove this account entirely. Additionally, it can not be both charged off and late as the report shows. Also, confirm that there was NOT any activity created by my ex-wife, XXXX XXXX, instead of me. This account is NOT listed by either XXXX or XXXX. Obviously their records are correct and Equifax should adjust their records accordingly.
Hi. Sadly- my house was illegally forclosed on in 2010. We were made to file bankruptcy. 
I should not have to suffer because XXXX XXXX stole my house. Can you please help me take XXXX XXXX off my credit report and my bankruptcy? 
.... The very least that could have been done when they were n't made to follow through with the indepent forclosure review.
had a prior complaint ( Complaint number : XXXX Date submitted to CFPB : XX/XX/2017 Date sent to company : XX/XX/2017 Product : Debt collection Issue : Attempts to collect debt not owed ). I did not receive a copy of the original settlement letter from Zwicker and Associates stating the amount and terms of the agreement. I need that from XXXX or Zwicker and Associates. They stated an amount but they did not send documents or proof of agreement. I was told the original settlement amount was 65 % of the XXXX total. That is roughly 2600.00.  When I requested this in writing along with an itemized receipt I was told I would not get a letter until completion of payments ( which I was told was XXXX, not XXXX. ) Zwicker made the agreement so they should have it in writing somewhere. Something showing the total amount and not just verbal. They have already received XXXX and XXXX and XXXX are now requesting the full amount of XXXX again. Is this legal??
Last XXXX, I signed up for a credit card auto-pay at Bank of America. 
The auto-pay was to pay my credit card from my bank account. 

Last XXXX, I found out that my credit card was not being paid. 
I called customer service and they did not know of any auto-payment. 

I went to my local BoA to address the matter. 
The woman who helped me called customer service and came back and told me that they are investigating the matter. And in 2 weeks, that I would get a phone call w/ an explanation. 

2 weeks later, no phone call. No explanation. 

I called the branch and they did not know of any investigation or why I was told their was one. The woman who, told me their was one, did not work at that branch, she was just working at that location on that day. 

They gave me a number. I called. It was another customer service line. And they did not know about the auto pay or the investigation. 

I called the branch again, and they scheduled an appointment with me. 
The branch manager apologized and deducted that the auto-pay form did not go through the proper channels- and was lost and/or discarded. 

When she called the head offices and explain the matter, they put me on the phone with a rep. The rep said I was about to go to collections but they stopped it, and took approx XXXX dollars from my account and put it towards my card. 

The branch manager apologized again. And I left. 

What I did not know-at the time was that tmy credit card was shut off ( its a Bank of America card ) and that my credit scored suffered greatly because of their mishap. 

If possible, I would like this matter investigated and have my credit score reassess.
An outstanding balance owed to XXXX was transferred to Caine & Weiner. I received communication in form of a letter on XXXX XXXX, 2016 of this debt. I immediately contacted the firm and let them know that I had ever intention of paying the debt but that at the time I was also unemployed ; however I would make payments until the balance was paid in full. I spoke to a person named XXXX, XXXX and let them know that I did not want this going on my credit so I wanted to set up a payment plan to avoid further action. I paid {$25.00} each month to avoid it going on my credit. I received a call about a week ago and the person from Caine Warner said they were calling to see if I wanted to pay the debt in full since my balance was down to {$190.00}. I told the lady that I was unemployed but that I would be making a payment in XXXX since I was paying {$25.00} each month. She was friendly and said " ok '', she was just following up. I check my credit report almost weekly and was surprised to find that the firm has reported this unpaid debt to a credit bureau after they told me that as long as I made payments, it would not go to a credit collection. I immediately called again today to XXXX and spoke to a man. He now informs me that even though I called and told them the debt was mine and even though I am paying each month, the debt has to be reported to the credit bureaus after 60 days, regardless of whether or not I am paying it. This does not make sense? None of the other reps ever told me this? We agreed that if I paid it would keep the outstanding bill from going into collections. Now someone else is telling me something else? I want this account to be taken off my credit immediately. I made arrangements with this firm to fully pay down my outstanding debt, they led me to believe that as long as I paid they would not turn it over to a credit bureau and now it is on my credit. I feel they misled me and did not provide me accurate information. The man I spoke with today is now telling me that the other people I 've spoken with were " pretty new '' and probably did n't relay the information correctly to me. Well guess what? That is no excuse! If their employees are not properly trained then they should not be working there giving out wrong information.
showing late which it shouldn't be showing late payments for the account number listed below. Experian haven't provided me the paperwork and information by law the credit Bureau suppose to check and send to me. This is reporting inaccurate on my credit report. Please no XXXX. 


XXXX XXXX XXXX XXXX  XXXX
XXXX and my son had established checking, savings, commercial, credit card accounts with {$2000.00} in checking overdraft protection with US Bank in XXXX MT for at least XXXX years. I was insured under the FDIC for XXXX XXXX fraud but was never informed that the monies US Bank took without my consent was illegal under the rules of the FDIC. They violated many rules and I was a victim as documentation I 've included shows. The prosecuting attorney in this case told me after catching the lady behind this scam that US Bank will pay all monies taken from me and restore you and your sons credit due to them being insured by the FDIC. US Bank will not pay me for any money they took out of both my sons and my account. They cleaned me out of all monies in XXXX and my checking accounts, took {$4000.00} in overdraft protection, left me and my son bankrupt, bounced checks, mortgage went to XXXX % & the letter attached sums up the events that followed. What I did n't no then is I was insured by the FDIC and being an innocent victim this tsunami US Bank caused to me and my son should of never happened in the first place and the prosecuting attorney agreed. I paid back all the money to try and save XXXX and my credit. To this day XXXX credit is ruined and so is mine & to this date no restitution has been paid from US Bank. I 've tried to talk with US Bank for years and their response is we ruined your sons credit and yours and we owe you nothing. I asked to talk with the President of US Bank in XXXX, MN and a cubical employee would not allow that and the FDIC says to settle this major issue with US Bank. I need your assistance in this matter due to their negligence, and ignoring my requests.
Dear Sir/Madam : Loan # XXXX I am asking for your assistance with resolving multiple issues with M & T Bank. The attached letter to M & T bank lists the issues that remain unresolved despite several attempts to resolve them with M & T bank and XXXX Mortgage services who is the mortgage service company. 

The loan defaulted and foreclosure proceedings was stopped when a modification agreement was offered by XXXX and was accepted and successfully completed. Now M & T Bank is not honoring the modification agreement monthly payment amount. M & T has suddenly increased the monthly payments from {$3100.00} to {$5200.00}. Also, I believe that M & T bank is not deducting the legal and other fees discharged in my bankruptcy discharge obtained on XX/XX/2015. 

Your assistance will be greatly appreciated in resolving these issues with M & T Bank and hence saving my home.
I have submitted numerous of dispute letters regarding a debt that has shown up on my credit report for some time now. I sought legal advice with a lawyer and per form 609 : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

I sent a letter to Experian on XX/XX/18 in which at this time the account is : XXXX XXXX, ACCOUNT NUMBER XXXX RESULTS for report # XXXX for XX/XX/2018 as : ACCOUNT UPDATED ( no proof of this being my account ) During this time the account was purchased by a Collection Agency by the name of : XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX I sent a 609 letter to Experian on XX/XX/18 in which at this time the account is : XXXX XXXX XXXX , ACCT # XXXX RESULTS for report # XXXX for XX/XX/2018 as : ACCOUNT UPDATED ( no proof of this being my account ) I AM DEMANDING TO SEE VERIFIABLE PROOF. 

I have also submitted the same letters to XXXX and XXXX in which the have removed this from my credit report.
i have opened a 2013 auto loan that is no longer active, but it is still on my credit report as a charge off profit write off. I am just trying to maintain my image and credibility. I just need this account that no longer serves a purpose, off my credit report please. By the way, if this fix is delayed, i will lean toward litigation.
I have disputed several times that Equifax has business inquires listed on my personal credit file. I use my XXXX number for all business inquires why are they on my personal credit file. There is also XXXX small medical bills that should n't even be listed. I need help
I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 I've sent certified mail # XXXX received by Equifax on XX/XX/18 In which I have repeatedly stated that bankruptcy info listed in my credit report is inaccurate, I've also requested that Equifax provide all documents that Equifax is required under 15 USC 1681g to have hard copies of on file. If Equifax does not have the required documentation, Equifax is required under FCRA 1681i to delete the report. I've also cited FCRA 623 ( a ) ( 5 ) which states if Equifax can not validate the information it must be removed. I've also cited FCRA 609 ( a ) ( 1 ) ( a ) with requires Equifax to verify information through physical verification, each time Equifax has denied my request to provide physical documentation, and has instead cited XXXX as the source of their alleged validation, which is completely in violation of FCRA 623 ( a ) ( 5 ). I've also cited XXXX XXXX XXXX. XXXX, XXXX XXXX , Et Al., v. Equifax, where Equifax has violated the FCRA. On my credit report from Experian it shows someone used my last name, a different address and variation of my SS #, this is obviously why a bankruptcy is showing up on my credit report, which could be easily done by anyone.
Allegiant Capitol Recovery keeps calling me. Leaving messages. They do not state that this is an attempt to collect a debt, if you are not " so and so '' please disregard this message. She doesn't leave her name just a contact number. She says if we dont hear from you or your lawyer then " best of luck. '' I found the company name by XXXX  their phone number. XXXX
On XX/XX/XXXX I mailed a dispute letter along with a police report and Affidavit of Fraud to Experian credit reporting agency regarding some accounts that were not opened by me. There was a fraud alert placed on my credit file on XX/XX/XXXX, however the accounts I disputed were never investigated as I requested. 

On XX/XX/XXXX I spoke to a representative at Experian, she informed me that the accounts were never placed in dispute, she then claimed to have put both accounts in dispute while I was on the phone. 

On XX/XX/XXXX I called and spoke to XXXX in the fraud department at Experian, she informed me that the XXXX XXXX acc # XXXX opened XX/XX/XXXX, was placed in dispute, however was an automated verification stating that information XXXX XXXX have in their system match the information that was reported, therefor Experian left the frivolous information as is on my credit report. 

XXXX also stated that the XXXX XXXX acc XXXX opened XX/XX/XXXX account was never placed in dispute as i requested on XX/XX/XXXX and on XX/XX/XXXX. XXXX also state that she was able to locate my police report and the ID Theft Affidavit i sent to them however she doesn't know why the accounts were not previously investigated in XX/XX/XXXX.
I was called yesterday regarding a debt, had no prior knowledge about it. Lady was rude and threaten to take me to jail and garnish my wages. I asked for a written letter before making payments and was refused. They called again and was rude yet again, I was threaten again with jail and wage garnishment. I again asked for this in writing and was told they couldnt and have mailed things before. I have not gotten anything. Was called a liar as well and hung up on
A credit collection company forgave some debt. I received XXXX XXXX 's in the mail. The credit collection company is still reporting the balance before the forgiveness. I sent copies of the XXXX 's to Equifax and they are refusing to change the balance on these accounts.
I have had issues with Fedloan Servicing since they 've taken over my loans. The company is hard to deal with on a general basis, its more of a chance of getting someone who knows what they 're doing and cares about their job. 

They give inconsistent information for the XXXX XXXX XXXX XXXX program. I 've had trouble certifying my income based repayment plan 3 years in a row, each time they 've incorrectly closed my application saying I did n't send in enough information. All three times they received the information that they requested and needed to render a decision. Two years ago I had issues with it and had to have my bank stop payment to them due to their errors and my payment going way up. 

I worked with them for 3 years on the income based repayment plan and the XXXX program before one of their employees told me that the bulk of my loans did n't qualify. So the bulk of my loans had no qualifying payments, three years of lost payments for forgiveness. I feel like I receive subpar customer service and they have no incentive to provide better service because they 're locked in with the government to administer student loans and the XXXX program.
Was checking my credit report from the 3 major credit reporting agencies and notice that information on my credit is incorrect XXXX partial # XXXX, and XXXX XXXX XXXX/XXXX   XXXX  showing up as negative on my credit and would like these DELETED from my report these have been included in my Bankruptcy Chapter XXXX, bankruptcy XXXX
I have been going over my credit report, and have noticed that Equifax has been posting inquiries on my report that I did not authorize. Moreover, there are instances of duplicate entries. 
The ONLY inquiries that I have authorized are below : -- XXXX XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX ( XXXX XXXX, 2016 ) -- XXXX - XXXX XXXX ( XXXX XXXX, 2016 ) There is no excuse for any other inquiries on my report. Moreover, XXXX XXXX was given my report twice in one day ( in XXXX ) and again ( in XX/XX/XXXX ) was given my report three times within 5 days. XXXX XXXX vehemently denies requesting it this many times. The only financing I sought out ( and received ) was a direct result of the inquiries I DID authorize above. I believe there is a huge mistake. Equifax needs to correct this - giving copies of my credit report without my express written consent violates FCRA. 
Moreover, Equifax 's notorious " canned '' response of " Inquiries are a factual record of file access '' does not apply when they 're giving it out freely to other people. FCRA says their must be a permissible purpose - you can not give copies out just because someone asks Equifax and most DEFINITELY can not give out copies without my permission. 
The only inquiries to be on my report at this time are the XXXX that I mentioned above. I am not currently seeking credit, and have only sought credit during the aforementioned 5 times above. 
Anything else from TODAY 'S DATE to XXXX XXXX must be removed. Permissible purpose was not established nor granted by me as I did not ask for credit, and these are not soft inquiries. They are hurting any future chances of me legitimately asking for credit, which means it is hurting me financially. 
My identification has been uploaded for your convenience. 
A copy of this complaint has been forwarded to my attorney, as will any ensuing responses from Equifax that detriment what I am requesting.
CREDIT COLLECTION SERVIC~ {$130.00} ~Opened XX/XX/XXXX ( XXXX ) CREDIT CONTROL SERVICE ~XXXX~ opened XX/XX/XXXX ( XXXX ) I have submitted Disputes through the credit reporting agencies and have asked how the debts were verified and they can not give me an I have verified that both collection agencies are not licensed to collect in Florida
On the XXXX XXXX credit file Sam club show XXXX account open on XXXX XXXX/2011 for the balance of {$1.00} ( 2 ) times and another one for {$2300.00} ( 2 ) times i contacted them previous time about the issues they never fixed all my my XXXX credit score not reported accurate by same club that cause me to get a credit card
We would like to file a complaint with the Consumer Financial Protection Bureau and or the Federal Trade Commission concerning the inability to resolve a recurring issue with Caliber Home Loans. 
This is the second time in two years we have had to contact the CFPB/FTC concerning Caliber 's refusal to stop sending out statements, and now solicitations, via USPS, in which our personal information pertaining to our mortgage data including balance, name, address and interest rate is printed as well as the last few digits of our account number. We have explained to Caliber countless times that our mail service is not reliable and continuing to send this information leaves us vulnerable to potential identity theft should our mail end up in the wrong hands. We have requested instead that they send us correspondence via email. These requests were made multiple times every month for over a year including countless phone calls, faxes, emails and letters ; ALL of which Caliber denied receiving. 
Furthermore, only after the FTC became involved and asked for Caliber 's written response did Caliber finally stop sending monthly statements and agreed to start sending emails. Although the hard copy statements did stop we have NEVER to date received an email statement from Caliber. 
Several months ago Caliber started to barrage us with letters soliciting us and no doubt other customers to refinance their existing mortgage. In these letters under the headline : Let 's Get Personal ... Caliber states our mortgage balance, our interest rate, my husband 's full name, address and the last XXXX digits of our account number once again our requests to have Caliber stop this reckless behavior has fallen on deaf ears. Additionally, as our prior experience has taught us ; Caliber only has XXXX phone number available for customers to call. Each and every time we have called this number the result is always the same. Repeatedly, we are put on hold and then told that a supervisor is not available. Promises to return calls are never fulfilled and the insanity continues. 
We are hoping that the CFPB or the FTC will require Caliber to provide a more transparent access to management in all areas of the company including published phone numbers, names and titles of individuals within their company in an effort to provide their out of state customers with real help rather than a generic phone number manned by individuals that according to our experience have neither knowledge or the ability to handle customer issues. Additionally, we would ask that the CFPB or the FTC investigate Caliber 's refusal to comply with our countless requests to cease and desist sending out any correspondence via USPS that contains our personal information and that Caliber stop the harassing practice of solicitation. 
Thank you,
I have been trying to resolve the issue of insurance charges to my account for over  six months. There is a escrow account attached to my account that should have never been   established I have provided proof of private insurance and certificate of liability insurance from  XXXX   XXXX   XXXX  to certify that the policy of insurance in respect to my property.     I am still being charged and escrow of {$99.00} each month on top of fees and fraudglent balances of money charged for something that I already have had in place for over the last 10 years!!     My account needs to be adjusted and the fees to be reversed and credit back to my account
I have disputed several inquiries many times with Equifax and they refuse to investigate these fraudulent inquiries. I have contacted all creditors directly and they have referred me to Equifax. These were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX, XXXX XXXX XX/XX/2016 I am requesting information on how Equifax conducted their investigation into my previous dispute ( s ).
On  XXXX   XXXX , I sent the following letter to  XXXX ,   XXXX  , and  Trans Union  ; asking them to correct errors that appeared on my credit report.  XXXX  has responded with a list of the corrections but I have n't heard anything back from  XXXX  or  Trans Union .
In XX/XX/XXXX I was informed of a company called XXXX XXXX. This program was to help you find a home with selection of home to choose by number, and an agent would get in touch with you..You had to go through XXXX XXXX XXXX  and show proof of signing up with them to have an agent contact you by showing you the homes with no down payment nor closing cost only Rent To Own. NEVER happened the company has no contact, but XXXX XXXX XXXX   started taking payment out of my Checking account on XX/XX/XXXX first payment then second one in XX/XX/XXXX up until XX/XX/XXXX, contacting them they have only returned one payment, and I have nothing removed from my credit as said, nor have I seen the Agent to view any homes.XXXX was debited out of my account in order for me to use The XXXX XXXX but never has.

Thank You XXXX XXXX