WillisBack/dataset-financial-user-claim huggingface dataset:
When the equifax security breach was made public, I logged into their website and requested the credit protection they were offering, not knowing that I was giving up my rights to take legal action. When I signed in, it indicated that I was at risk. I would like to rescind my agreement to the credit protection so that I have the right to take action if necessary.The Equifax website makes it almost impossible to submit a request such as this. With all of the inquiries to Equifax, their wait times are horrible. I have since frozen my credit reports for all 3 agencies. 

XXXX XXXX
I 've contacted XXXX & Transunion on several occasions regarding a bankruptcy that appears on my credit file that is not mine. I have literally called them hundreds of times, also spoken with supervisor after supervisor. I 'm not getting anywhere with this company. They continue to report an inaccurate bankruptcy XXXX, even after the new law in XXXX XXXX came into effect. This should not be on my credit report at all. I 've also explained to them that somewhere there was an error in reporting. XXXX has already deleted the bankruptcy as they verified that it in fact, DID NOT BELONG TO ME! I 've wrote XXXX & Transunion asking them to remove this unverified information from my credit report and follow suit. Still they refuse and state it 's been verified? Who verified this bankruptcy? What method was used to verify this bankruptcy? I 've contacted XXXX XXXX and I 've given them my social security number, they stated they do n't have any inquiries from XXXX or Transunion even checking to see if this information is correct. I 've also contacted the US Bankruptcy court, and they 've also told me they have no information associated with my name and ssn. Please make Transunion and XXXX  stop victimizing me by taking advantage of their consumers with their higher power. This is creating a hardship for me, as well as defamation to my character.
Equifax offers a tool, in response to the breach that recently happened, that tells you based on your last name and 6 last digits of your SSN if you were affected or not ; I was told I was indeed affected by the breach. As such, Equifax has divulged my information without my consent.
I have a XXXX account listed on my Trans Union, XXXX and XXXX credit report that opened on XXXX XXXX, XXXX and was XXXX. My XXXX credit card account has a balance of {$2500.00}, those transactions/charges are all fraudulent and unauthorized charges. The charges do n't belong to me. I have a fraudulent and unauthorized hard inquiry on my XXXX and XXXX credit report. The following hard inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX/XXXX. I Trans Union, XXXX and XXXX to add and list the following phone number to my credit report : XXXX. Creditors is to call me first at either : XXXX or XXXX before approving or extending any credit offer.
I am filing this compliant because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and ca n't verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as you can. Thanks
I have attempted to dispute several accounts and inquiries on my credit report that do not belong to me with Experian since XXXX XXXX. I sent in my personal information such as my license with address on it. Not only did Experian not do any investigation on it, they sent me a notice stating that they thought this was a suspicious request and that they wanted me to call to identify myself. I went ahead and did what they asked. I called Experian and gave them all my identifying information as well as answered several of their security questions and after going through all of this I am asked what I want to dispute. I tell them about all the inquiries which are reporting on my report over the last 6 months and how they do not belong to me and I am wanting to dispute the validity of them. I am then told that they can not initiate any investigations on inquiries and that I would have to call the creditor myself .... 

I am no expert at laws but I have researched the F.C.R.A. and I know that they can not simply chose to ignore my investigation requests. I also am not happy that they are claiming they ca n't investigate inquiries or set them up for a dispute when I know they can. I feel that this is a form of discrimination because I am from XXXX and they are simply refusing to help me when this is something that I know they do on a daily basis for millions of other Americans. Please help me in getting Experian to do its job properly before I have to file a lawsuit against them for discrimination and their violation of F.C.R.A.
onXX/XX/XXXX I took out a mortgage loan with XXXX XXXX XXXX XXXX XXXX for the amount of {$300000.00}. I was promised a low interest rate and low monthly payments, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rates were higher than promised and it only kept increasing. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX XXXX as a nominee for XXXX XXXX XXXX a New York Corporation to XXXX XXXX XXXX XXXX XXXX  as trustee on behalf of holders of OPTEMAC Asset Backed Pass-Through Certificates, Series XX/XX/XXXX. The assignment of mortgage has the date of mortgage as XX/XX/XXXX in the amount of {$350000.00}. How is that possible when I purchased my house onXX/XX/XXXX in the amount of {$300000.00}? OnXX/XX/XXXX XXXX started an action against me in the amount of {$350000.00}. How is that even possible when I had paid well over {$91000.00}. I have tried fixing the problem several time. Every time I submit a loan mod it either take a long time for them to process or I am always getting denied. I am a victim of the housing crisis and I feel that there is a fraudulent element to what is happening to my mortgage loan.
Kohls has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
XXXX XXXXXXXX XXXX called a former girlfriend and stated that I was being sought over a bad check that I wrote. 

Dont think I have ever written a bad check, and even I had it should not be allowed to discuss such things with a third party. 

Phone call was on XXXX18
I have spoke with  XXXX  a supervisor at   XXXX   XXXX   today, at   XXXX   XXXX   est. she agreed that the information was not associated with my credit report and still refused to have the inquiry removed. Why does a debt collection company do hard inquiries in the first place? The inquiry took place on   XXXX   XXXX  , 2016
I have private loans with Navient. One of my loans has a co-signer, the total balance is {$37000.00}. On XX/XX/XXXX I applied to release my cosigner as I have made 12 consecutive on time payments based on principal and interest ( which is stated on the website in order to apply for release ). Originally they denied the request as my account history shows 3 late fees, which was a mistake on the billing department since I have been on autopay for over a year. On XX/XX/XXXX I was charged the first late fee of {$8.00}, the second late fee was charged on XX/XX/XXXX for {$3.00}. These two late fees were reversed on XX/XX/XXXX and {$12.00} was credited to my account. My account was never late but for some reason there system shows my account associated with late fees. I had several phone conversations with the cosigner release department to explain this and there was nothing they could do to my account and kept shuffling me around to other departments. The second refusal to deny my cosigner release, was due to the fact that they reduced my interest rate to 1 %. When I had called back in XX/XX/XXXX, I had several phone conversations that were recorded by Navient, explaining the rate reduction program and that after making 12 consecutive payments I could have my cosigner released. I spoke with XXXX, the supervisor, in the cosigner release department and showed her my account history which shows I have been making 12 consecutive on time, principal and interest payments. I was never explained to on the phone by reducing my rate that this would effect the cosigner release. XXXX then said she would research and listen to the recorded calls. It took her a few weeks in XXXX and when she got back to me said they could not find the calls. She asked me to email her and she would push it through. on XX/XX/XXXX, I sent an email stating what had happened. I then received a letter in XXXX for the denial, based on not making 12 consecutive on time principal and interest payments on the original interest and a forbearance on another account I have. Neither was explained to us at the time on the recorded calls, which they say they can not find, although they have record of our calls. I have spoken to Navient several times since and they still say they are researching and continue to shuffle my case through the system with no resolution regarding the late fees noted on the account and release of my cosigner.
I have made several attempts in the past 3 years requesting the removal of these collection accounts directly with all 3 credit bureaus and the creditors that claimed I owed them via certified mail and phone. ( XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, ) are not my accounts and I keep on being told that it is verified after sending disputes. Some are even accounts that were removed and were bought by another collection company. They have recognized this issue and it has still remained on my credit reports. I have disputed directly with the companies who were not able to verify the information when requested. They could not provide original documents bearing my signature and it still has not been removed. I have been disputing these items so much that all Credit Bureaus put a fraud alert on my account without my request and the creditors maliciously changed the status on my accounts.
On XXXX XXXX, I received a notice from Pennsylvania Higher Education Assistance Agency also known as FedLoan Servicing, that my account was over 60+ days past due. This was impossible as I have made a payment the same time each month. It was on an autobill pay from my account. When they finally discovered the issue it was determined that they misappropriated my funds to pay a debt that were in a administrative forbearance. As a result they were submitting a ticket to correct the issue, it was now XXXX XXXX, and the issue is not resolved and I am continuing to get notice of a my account being past due. I was contacted by a credit agency regarding this past due amount that was not past due. This is in violation of a multiple consumer debt protection laws. The Pennsylvania Higher Education Assistance Agency response your request is still pending.
On XXXX XXXX, 2015 ACE CASH EXPRESS withdrew the final payment on a loan I had taken out with them with a 6 month repayment plan. The payment went through fine and there were adequate funds to cover it. Two weeks later ACE CASH EXPRESS began calling me non-stop, stating that the payment had been returned by the bank because of insufficient funds. I checked with the bank multiple times and this turned out not to be true- the statements show the payment cleared. When I informed the lender of this they told me I had to prove it and have continued with harassing phone calls and demanding money telling me it had gone to collections. In order to stop the harassment I sent in an extra payment. Please note this lender also provides borrowers with no documentation of their loan, no online account access where you can see how much you have paid and owe and so on. Borrowing from ACE CASH EXPRESS is dangerous for consumers. I have attached my bank statement showing the payment went through successfully on XXXX/XXXX/2015.
I have sent letters to the three credit agencies ( XXXX, XXXX, and Transunion ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.
Suntrust Mortgage has been trying to collect unauthorized fees and charges they say are due on my mortgage account incurred during a personal bankruptcy. Suntrust refuses to return my calls, provide ANY documentation invoicing or accounting of mentioned fees in spite of request to do so by legal council. Suntrust states these charges were incurred during a personal bankruptcy. Charges authorized under this bankruptcy were authorized and paid in full ONLY by the bankruptcy trustee. Suntrust was duly notified by the bankruptcy trustee that ALL debts and charges were satisfied in full. This bankruptcy has been satisfied for over two years. Suntrust refuses to accept mortgage payments, provide ANY statements, documentation or legal correspondence regarding this issue in spite of demands to do so by legal counsel and myself. No one at Suntrust will take responsibility for this issue.
I requested vailadation on XX/XX/XXXX from XXXX XXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.
I am XXXX. I have XXXX children and a XXXX wife. Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX filed bankruptcy and did something to my property. I escalated to HUD, and HUD asked me to contact FTC to file IDTheft, and also HUD asked me to contact the Federal Reserve with a reference number XXXX. Federal reserve directed me to consumer finance as Third Federal is associated with Consumer Finance. 

My home is under protection because of my case against XXXX. Third Federal Savings and Loan located at XXXX XXXX XXXX, XXXX, OH XXXX has provided me a six-month forbearance of no payment from XX/XX/XXXX thru XXXX XXXX, and I receive Third federal statement every month. Now, Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX did something to my property Every minute we are worried about our home and my children can not focus on studies. Please help us recover my home.
The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX XXXX XXXX has no responsibility over the debt of XXXX XXXX XXXX XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.
XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX The above medical debts were recorded on my XXXX, XXXX & XXXX credit Bureau In the year XXXX. I reconciled my debts when I received my Income Taxes .I decided to retain an attorney thru XXXX XXXX XXXX XXXX   XXXX XXXX challenge XXXX XXXX XXXX XXXX with An intervention using Legal Action for a Validation Demand on all credit Bureaus. 
They were required to remove them immediately. 
Removal date was XXXX. XXXX. With total disregard of the Law and my Consumer Rights they Sold the debts to Phoenix Financial Services. Phoenix entered the same debts in XXXX and XXXX XXXX. 
I have discussed this with them numerous times about the Legal Action. 
I have not been able to rent a place much less buy a car on credit since XXXX. 
Please can u do something about it perminatly. 
Thank you
I had a check made out to my son I was attempting to cash using a POA. I reached out to Ace Cash Express at XXXX XXXX XXXX XXXX FL XXXX. I spoke to XXXX. She stated that they could/should be able to cash the upon confirmation of 3 items : 1 ) call the attorney to confirm the check is legitimate 2 ) Call the XXXX and confirm my son is there ( the reason for the POA 4 ) Speak to the person that notarized the document to confirm that is legitimate Once these steps were completed I awaited word that her manager would sign off on the check. 
The manager XXXX the District Manager called. He stated they would need another/a 2nd POA from my son in XXXX specific to the check. I explained that was redundant and I will see my son on Saturday and take him to cash the check. 

I had one SIMPLE request for XXXX ( he refused to provide me his last name ). I requested ALL my personal information be removed from Ace Cash Express ' System. I have never, nor would I ever, do business with them and did not feel comfortable with my ss # /DOB/ address etc in their system. 
XXXX refused to remove my information. 
I informed XXXX I provided my information based on the XXXX 's statement that she could cash the check. I would not have given my information to Ace if not for her stating they could do the deal. 
My personal information is mine and I chose to protect it. I feel its completely within my rights to have it removed from their system. I do not nor have I done business with them -- they have no right to hold my information hostage like that. 

I would respectfully request that ALL my personal information be purged from their system. 

Thank you!
CapitalOne opened a credit card in my name XXXX XXXX, XXXX. I never received the card. It 's never been used. I ca n't log into online banking,
The bank just repossed my car today. They claim the do not have give me written or verbal notice to do so. The bank is Huntington Bank in Ohio. This problem started with them on XXXX/XXXX/15 when I called to reschedule an automatic withdrawal from my checking account to Friday XXXX/XXXX/15. On XXXX or XXXX they took the money out and my account was overdrawn {$350.00} plus fees and other debits there after for total of {$450.00}. However it took them until XXXX to send me a check. I have been behind on my bills and budget since. So today they punish me and take the car.I ca n't believe they can do this without notification. Can you please help? I would like my car back.
My repayment schedule that was provided by Navient does not match what is actually being withdrawn from my account. They are withdrawing more and I keep asking them why, and they say it was because of the forebearance that I had done a couple of years ago is now catching up. But I have been paying on time and hasnt missed a payment for 3+ years now, even making more payments than the usual, and I 'm still not ahead based on their repayment schedule.
XXXX and XXXX are showing that my past Mortgage with NationStar is showing XXXX days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact NationStar and XXXX  and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and XXXX needs to state that the past mortgage with NationStar has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
This company is calling me 4-5 times per day. They have gotten me in trouble at my job for calling. I have explained to them the circumstances and that I would be unable to make a payment for the next two months. I explained that after two months, it 'd be no problem. I have begged repeatedly for them to stop calling me. They have told me they have the legal right to call as many times per day as they want to if I do not pay them the money owed. My payment was due less than two weeks ago. I have spent a minimum of 30+ minutes a day explaining the situation over and over again. I literally do n't have anything to send them yet.
Receivables Performance Management ( RPM ) has misrepresented the facts in order to try and collect on an alleged debt. I had previously filed a complaint against RPM disputing the alleged debt and stating that I have never received a validation letter. RPM responded that I had spoken with them in XXXX 2016, which is a flagrant lie because I did not speak with them in XXXX 2016. They are lying which is a flagrant violation of the Fair Debt Collections Practices Act. I have asked for verification as to the XXXX 2016 phone call because I did not speak with them in XXXX 2016. I have disputed the debt and RPM has not provided me any documentation as to how they own or are authorized to collect on this alleged debt and validating that I would owe such a debt because I dont. In addition, RPM agents hung up on me twice on XXXX XXXX, 2016 when I called to dispute the alleged debt. RPM has repeatedly lied stating that they do n't have a record of the phone call which is a flagrant lie. RPM is engaging in serious violations of the Fair Debt Collections Practices Act with their abusive and deceitful debt collection practices. I do n't owe any alleged debt to them and am disputing the debt. I want the alleged debt removed from my credit report. They are constantly trying to fish for information when you ask them to verify the information which is another flagrant violation of the Fair Debt Collections Practices Act.
I am attempting to refinance my home and the mortgage company requested a pay-off form to be emailed to me. I called because of course this function is n't available online. When I finally spoke with a person after being hung up on by the " automated assistant '' they said it would be emailed out to me right away. I still have not received this form and it has been more then  XXXX . I tried calling back and they put me on an infinite hold after I state my name and they see I have called before. I have since lost my home loan rate and will not be able to refinance because of the inability to obtain a  ONE PA GE FORM stating the remaining balance of the loan if I paid it off to be given to the underwriter. I have worked in customer service and have never received as poor of service as I have in the past  XXXX , and not only that they COST ME MY REFINANCE. I have spent months trying to get approved and hundreds of dollars on an appraisal and thanks to  Navient I  am unable.